So we bought a whole bunch of crap online for Sarah for her new Mac Pro, and we’ve been buying a whole bunch of things, like groceries, down in Hilton Head. The day we bought the Mac Pro, I knew that I’d get a call from Discover Fraud Prevention, because it would look pretty weird what was happening.
So, fine, I called their fraud prevention agency, and spent some time verifying I was who I was, enumerated all my purchases, and all was well.
Two days later, I’m at Publix trying to buy myself a few bottles of beverage, some hummus, salsa, and chips, and I get a NOT AUTHORIZED message on my credit card. Now, being the smart traveler, I’m carrying around a fist full of cash, so this doesn’t present an immediate problem.
I get back to the ranch, call Discover, and spend four times as long verifying my identify (my age (no, not my birthday), my e-mail, my phone, my work phone, my mother’s maiden name, my last 4 ssn, my most recent purchase, etc.), and then I’m told the same pitch from a few days ago. We argue back and forth, because I’m livid at this point, and I go through and verify my purchases again, and I’m told “no, we’ve never talked to you about this.”
I say “yes, you have” in much less polite terms, and eventually she figures out that “yes, oh my, we have, I guess we just didn’t clear the hold then, and it took.” Splendid. Fraud prevention is good, but if they can’t keep their prevention program straight, how are they going to detect real fraud? It pays to discover.