22/10/2024
Beware recurring fraudulent charges on credit cards due to “Recurring Merchant Tokens” (meaning only that the fraud kept occurring over and over with the same merchant)
Posting this as I hope it will help others avoid the pain of talking to fraud departments multiple times.
On Sunday (20th) (6:19pm), I noticed a DoorDash transaction on my credit card, which was not ours (by the end of the night they hit my cc 5 times). I’ve never used doordash before, and don’t have an account. I called my credit card company (Suncorp), who dutifull put a stop on my cc and cancelled it and requested a refund request and ordered a new card to be issued.
Before I even received the new card, I got yet another pending DoorDash charge on 21st (14 transaction over a 5 hour period). Total withdrawal was $2,501.77!
I spoke to Suncorp again and explained that this card was meant to be cancelled and that this was the second time this happened with DoorDash, they made comments that the transaction originated from my apple wallet — I mentioned that the cc number was different on the last 14 transactions opposed to the first 5 and Suncorp said it was because it was my new card number that I hadn’t even received yet.
Suncorp informed me that DoorDash uses something called a Merchant Token, and therefore links to your account not a direct card, so when the new card was issued it basically rolled over. So Suncorp have blocked the apple wallet feature and remove 24 tokens linked to our account.
Anyway, thought I’d share, in case it helps anyone else in solving credit card fraud for merchant wallets without having to go through multiple card replacements!
So angry and frustrated. I now have no credit card (which we have many direct debits set up on and payments started to bounce today) and limited access to my accounts. Grrrr so frustrating!
