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Orchard acct closed due to Fraud


TTigggers
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If anybody has ever had this happen please give me your story.

Well today I received an e-mail from orchard it said:

As a service to you, and in an effort to protect your Orchard Bank Card Account, we periodically attempt to confirm the authorization of recent transactions on your account. Please take a moment to confirm that all recent transactions made using the above referenced Account were authorized by you.

Orchard Bank Card Fraud Prevention Department

When I called I verified my personal info and security questions. I went on to find out that there was a charge from yesterday for $129.00 which I did not make. The CSR told me that they would have to close the acct and issue me a new one.

The Question is how will this look on my credit report? The TL was only about 6 months old. I would hate to start it over again just as my old 1 was starting to show a nice history.

How would Orchard Know it was a Fraudulent Purchase? I have made purchases larger than that without question.

Just a little confused I have never had anything like this happen before.

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If anybody has ever had this happen please give me your story.

Well today I received an e-mail from orchard it said:

As a service to you, and in an effort to protect your Orchard Bank Card Account, we periodically attempt to confirm the authorization of recent transactions on your account. Please take a moment to confirm that all recent transactions made using the above referenced Account were authorized by you.

Orchard Bank Card Fraud Prevention Department

When I called I verified my personal info and security questions. I went on to find out that there was a charge from yesterday for $129.00 which I did not make. The CSR told me that they would have to close the acct and issue me a new one.

The Question is how will this look on my credit report? The TL was only about 6 months old. I would hate to start it over again just as my old 1 was starting to show a nice history.

How would Orchard Know it was a Fraudulent Purchase? I have made purchases larger than that without question.

Just a little confused I have never had anything like this happen before.

They may have been alerted by a merchant.

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They may have been alerted by a merchant.

But what would have let the charge go thru?

My last purchase was at Crown Jewelers (I paid my down payment)

I wonder if they don't have a secure site?

I have made thousands of transactions online and never had a problem until now.

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I've had this happen on a couple of my CC's, it was just a random check I think. When CSR closes the account and issues a new card it shouldn't affect the TL. I had 3 fraudulent charges appear on a CC last year, and when I spole to the CSR about it, they deactivated the card and issued me a new one with a new number. It remained the same account with the original account date of the original card.

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I've had this happen on a couple of my CC's, it was just a random check I think. When CSR closes the account and issues a new card it shouldn't affect the TL. I had 3 fraudulent charges appear on a CC last year, and when I spole to the CSR about it, they deactivated the card and issued me a new one with a new number. It remained the same account with the original account date of the original card.

Glad to hear that it shouldn't affect the TL :D

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