Over the last 4-5 years, my credit card number has been twice "hacked" somehow. The responsibility for these erroneous charges have, luckily, not fallen on my shoulders. The credit card company was quick to recognize them and, after confirming they weren't my charges, quickly reversed them and canceled the credit card number. Other than a few days without a credit card while a new one was issued, both incidents were relatively hassle free. Since then, however, my spending habits are under much more scrutiny than they used to be. I often get calls or emails "just checking in" to make sure a charge on the card is mine. Up until most recently, the calls were a bit irritating because most of the time they left a message, and I had to take the time to call back and deal with those automated menus. I would try to remind myself that these calls were for my protection and I needed to appreciate the service regardless of the hassle. Over the last few months the company has made it far easier. Now they simply send out an email address noting any questionable charges. It says to contact them if I don't recognize the charges, and if I do, just disregard. It couldn't be simpler.
But this week, these security measures took a seemingly unnecessary turn. I purchased some items online from one of our department stores and ended up returning about half the order back the store. Since we have one nearby, the items were returned to the store rather than sent back in the mail. That same afternoon, after the return was made, one of these check-in emails arrived in my inbox. This time, the email shared there had been a CREDIT to my account, and I was asked to contact them if I didn't recognize it. Now, I'm no credit card thief, but I'm pretty sure a hacker isn't going to put return charges back onto my account. Maybe they've taken their security measures just a bit too far?
7 hours ago