I replaced my Chase card about 6 months ago after a couple of dozen charges for mobile game downloads from google turned up on it. Today, I discovered that someone registered my Chase replacement card to an uber account, and they've been using the account for Ubereats. They charged 8 meal deliveries in the last 5 days ranging in price from $12.99 to $38. They even tipped one of the drivers.
There are no other fraudulent charges on the card, just UberEats. I have an uber account, but they didn't use my uber account or the credit card associated with my uber account. So they registered a new uber account(s) using my Chase credit card information, which means there is a mobile phone number(s) and physical address(es) (for food delivery) associated with the fraud.
I never let my credit cards leave my physical possession. This particular card can't be cloned by brushing up against me because of protections that are built into the card. My computers always runs active antivirus software and MalwareBytes, with updates and full scans daily. All security patches are installed as soon as they're available. I never use credit cards on public wifi, and my wifi is encrypted at all times. All of this leads me to believe that Chase or some retailer has been compromised again. Or maybe it has something to do with that Equifax hack when all of the info from the credit files of 149 million Americans was stolen after Equifax received an FBI warning that they had a major security vulnerability -- a vulnerability, as it turns out, that they did not address. But I'm not sure Equifax has actual credit card numbers, other than the last four digits of the card numbers.
In the case of the most recent Chase fraud, the thief might be tracked via an associated phone number and physical address for food delivery, but I have no confidence that Chase will actually follow up with law enforcement. Maybe they'll deny payment to uber and maybe uber will follow-up locally with police. I'm not sure how that works, but I sense a complacency about small time credit card fraud. The fraud specialist I spoke with today said they definitely do pursue the cheats if they're in this country, but, last time, the fraud person said that he's not supposed to tell me this, but they usually don't do anything except credit the customer.
I guess nothing will ever top the time that someone used my credit card number to PAY TUITION AT A CATHOLIC SCHOOL in Bridgeport, CT (800 miles away from me). i guess they wanted their child to be raised with higher moral standards than their own.
It shouldn't have been all that difficult to track who did that because they're child is enrolled at the school, but I wonder if there was any legal follow up in that case. At the time, I was tempted to call the school, but even if they could figure out, I can't imagine they'd tell me the identity of the parent who used my card number.