BitPay Card ATM cash withdrawals return Sep 5th *edited*

[Crusherrr]

I have not been hit as of yet.....these thieves that are doing this are sure going to a lot of trouble for such small amounts....They must be getting blank cards and then transferring the individual card numbers on to them with some sort of a machine.. If the bitpay card was chipped this would be even more a challenge for the thieves. Very strange but i read stories about how easy it is to acquire this stuff plus numbers on the dark web

Yeah no reason not to use chip cards. That being said, why would the charges immediately show up as fraud for a $60 store purchase? Anytime my CC's had suspicious charges they asked me first before declining them. Also, why would it be at a B&M store in CA but show up 3 weeks later as being made in NY.

Idk, it doesn't add up to me. Very sketchy for sure. I just don't see how an ATM located inside a busy grocery store could have had a skimmer on it. Unless it was placed there by an employee (certainly possible). I never made any purchases, only ATM withdrawals.

[littlekona]

Yeah no reason not to use chip cards. That being said, why would the charges immediately show up as fraud for a $60 store purchase? Anytime my CC's had suspicious charges they asked me first before declining them. Also, why would it be at a B&M store in CA but show up 3 weeks later as being made in NY.
Idk, it doesn't add up to me. Very sketchy for sure. I just don't see how an ATM located inside a busy grocery store could have had a skimmer on it. Unless it was placed there by an employee (certainly possible). I never made any purchases, only ATM withdrawals.

yea it's not a skimmer its either an inside job where and employee sold the account info or some hack job I would think. They probably figure it would cost them way to much to send out new cards to everyone like most banks would and are just hoping this does not viral

[BeatTheJerk]

BitPay now accepting Ether to our e-wallets

[TheMoneyShot]

yea it's not a skimmer its either an inside job where and employee sold the account info or some hack job I would think. They probably figure it would cost them way to much to send out new cards to everyone like most banks would and are just hoping this does not viral

So I reviewed the merchant's I used before my card was fraudulently used.

1. Comcast/Xfinity over phone pay bill quite a few times.
2. Amazon once then deleted card on account
3. Walmart in person. Only one location. Quite a few times.

I mean.... it's crazy.... how does someone get your number in California? Someone must of stole numbers somewhere. Inside job at Bitpay? Absolutely crazy.

[littlekona]

So I reviewed the merchant's I used before my card was fraudulently used.

1. Comcast/Xfinity over phone pay bill quite a few times.
2. Amazon once then deleted card on account
3. Walmart in person. Only one location. Quite a few times.

I mean.... it's crazy.... how does someone get your number in California? Someone must of stole numbers somewhere. Inside job at Bitpay? Absolutely crazy.

either a hack job or an employee stealing info at bitpay and selling it onto the dark web..Bitcoin for all it's good has made money transfer among criminals very easy and you see more and more of this stuff

[Ghenghis Kahn]

Does this shit company even have a fraud department?

[wiseguyjer]

anybody ever receive an email from them noreply@cardfraudalerts.com

[Bsims]

One of the few smart things I've done is to empty my card and stopped using it.

[themike78]

I use my card everyday no problem. It's like any other bank or debit card. It has the potential to get hacked. Just need to be careful keeping your info private.

[mrpapageorgio]

Anytime I load it, I promptly use it to get a MO or pay bills that take a cc limiting the risk of fraud.

[TheMoneyShot]

Anytime I load it, I promptly use it to get a MO or pay bills that take a cc limiting the risk of fraud.

Seems like that's the best choice now. Crazy how people are obtaining other's card numbers

[Optional]

anybody ever receive an email from them noreply@cardfraudalerts.com

Looks like a genuone email address of Lincoln Savings and Affinity credit union

people can easily spoof the sender email address though

[NYproGambler]

I received those email.. they sent me replacement card and couple days later, I receive that email again saying someone try to use my card for $200 at walmart and it was approved when I only had $3 balance left in my card.. they are sending me new card once again..

[themike78]

I received those email.. they sent me replacement card and couple days later, I receive that email again saying someone try to use my card for $200 at walmart and it was approved when I only had $3 balance left in my card.. they are sending me new card once again..

That makes no sense. How could they charge your card $200 when only $3 was on it? I tried once to see if it would approve me when I was a dollar short and it declined me. Are you saying you have overdraft ability on your card?

[solring]

...sitting on hold now to talk to a CSR about the four fraudulent charges from this week... 1 Vitamin Shoppe in Colorado on the 21st, 2 Walmarts in California on the 22nd, 1 Home Depot in California on the 22nd... All charges for $16 or less. Only had $35 on the card since I only leave enough on the card to pay for money0rder fees.

[themike78]

...sitting on hold now to talk to a CSR about the four fraudulent charges from this week... 1 Vitamin Shoppe in Colorado on the 21st, 2 Walmarts in California on the 22nd, 1 Home Depot in California on the 22nd... All charges for $16 or less. Only had $35 on the card since I only leave enough on the card to pay for money0rder fees.

So were these purchases done online? If not how did someone make in store purchases without the card?

[DroopyDog]

So were these purchases done online? If not how did someone make in store purchases without the card?

These arent chip cards.... they have machines to make the magnetic strip with the card details, rather simple.

[TheMoneyShot]

So were these purchases done online? If not how did someone make in store purchases without the card?

Interesting. Yep... I'd ask the fraud department the same thing. My guess is... the rep wouldn't tell you. They'd just ask you if the charges were valid or not.

Just curious... anyone with that new MCO BTC card... does it have a chip built in? Or just a mag strip?

[TheMoneyShot]

These arent chip cards.... they have machines to make the magnetic strip with the card details, rather simple.

Yep. I use to own an Evolis 3 mag printer card machine. Used it to print gift cards for a company I owned. The advanced unit can encode the magnetic strip with ease. I have no programming experience.... and even I could program the numbers on the strip. All these thieves need are the numbers.

[littlekona]

Fyi via twitter

If you hold a @bitpay card CHECK YOUR BALANCES NOW! Myself and 4 other Bitpay card holders that I know have all had fraudulent charges from California. I think its possible @bitpay has had a serious security breach that they have NOT DISCLOSED yet.

Response
In the past few days, we've received a handful of reports like yours + have informed the card program manager. As you probably know, BitPay does not manage or hold card numbers, so right now we are awaiting further details. We will update you + any impacted customer ASAP.

[themike78]

These arent chip cards.... they have machines to make the magnetic strip with the card details, rather simple.

Ok. Yeah. I have heard of that so somebody copied the card obviously if they were in store purchases. I fukin hate thieves. Hopefully they get caught. All the cops would have to do is check the surveillance camera at whatever store the purchases were made. I would definitely make a police report. Don't know if cops would even bother doing that though.

[ehp6737]

Ok. Yeah. I have heard of that so somebody copied the card obviously if they were in store purchases. I fukin hate thieves. Hopefully they get caught. All the cops would have to do is check the surveillance camera at whatever store the purchases were made. I would definitely make a police report. Don't know if cops would even bother doing that though.

Good luck with that assuming the victim doesnt live in the same state. That's why you always see fradulaunt charges initiated in a different state and/or online. Most local police are still not capable of effectively pursuing cyber crime, especially across state lines. Too many issues with jurisdiction.

These types of crimes across state lines are generally federal, but the scammers know the FBI wont get involved until the dollar amount is in the tens of thousands. This is why they hit small and move on to the next card and spread around the charges in different juristictions

[ehp6737]

anyone with that new MCO BTC card... does it have a chip built in? Or just a mag strip?

Yes, MCO has a chip. Overall so far it seems their security is much better than bitpay. A little annoying with extra steps to transfer/load, but good for account security.

A few cons I noticed so far though.......

1) pretty low monthly w/d limit, unless you stake some serious $$$ to get a better card

2) the bank backing is located outside the US, so Ive had a few charges declined for this reason. For instance, I tried to pay my monthly Hulu bill the other day and they told me it was declined because they only accepy US cards. Most other places it has gone thru though.

3) Not a huge deal, but unlike bitpay its min $25 to transfer crypto from wallet or reload card. Not a big thing, but every so often I need to topoff $10 or something to pay a bill, but end up having to load $25

[littlekona]

Just got email acknowledging the issues from bitpay

[Jnas]

Just got email acknowledging the issues from bitpay

me too

[DontTailMe]

"Hi _____,
This week, a handful of BitPay cardholders let us know about unauthorized purchases made online and/or at several specific retail stores. While these appear isolated, we wanted to encourage you to review your transactions in light of what we have learned.
BitPay does not hold your card number or process **** card transactions. As such, we are working with BitPay’s card program manager to investigate all unauthorized transaction activity with **** and resolve these issues as soon as possible.
Please report any unauthorized card transactions directly to 1-855-884-7568. A cardholder services specialist will help you.
The BitPay Team"

[DontTailMe]

Yes, MCO has a chip. Overall so far it seems their security is much better than bitpay. A little annoying with extra steps to transfer/load, but good for account security.

A few cons I noticed so far though.......

1) pretty low monthly w/d limit, unless you stake some serious $$$ to get a better card

2) the bank backing is located outside the US, so Ive had a few charges declined for this reason. For instance, I tried to pay my monthly Hulu bill the other day and they told me it was declined because they only accepy US cards. Most other places it has gone thru though.

3) Not a huge deal, but unlike bitpay its min $25 to transfer crypto from wallet or reload card. Not a big thing, but every so often I need to topoff $10 or something to pay a bill, but end up having to load $25

It isn't a strict ATM limit though is it? Isn't is just a limit on how much you can withdraw for free? But yeah, it's not a great card for that. It's great for spending for the cash back. I'd recommend sending some coin there for spending on whatever you're going to buy anyways, and send the rest to whatever other BTC -> USD conversion process you use.

I've never had my MCO declined anywhere, and I use it wherever takes V. I.S.A. I don't have Hulu tho

[SCI]

Yes, MCO has a chip. Overall so far it seems their security is much better than bitpay. A little annoying with extra steps to transfer/load, but good for account security.

A few cons I noticed so far though.......

1) pretty low monthly w/d limit, unless you stake some serious $$$ to get a better card

Yeah. These cards are designed to load for card purchases and to have access to ATM cash if you need it.

The Bitpay card makes more sense than the Crypto.com card if you want to do ATM withdrawals more often than debit purchases.

The Crypto.com card debit purchases is obviously much better than Bitpay with mco coin back on all purchases. Even cash back is included from debit purchases for free mco.

[Optional]

It isn't a strict ATM limit though is it? Isn't is just a limit on how much you can withdraw for free? But yeah, it's not a great card for that. It's great for spending for the cash back. I'd recommend sending some coin there for spending on whatever you're going to buy anyways, and send the rest to whatever other BTC -> USD conversion process you use.

I've never had my MCO declined anywhere, and I use it wherever takes V. I.S.A. I don't have Hulu tho

That's the second person in 24 hours I have seen look at their confusing website and think there was $200/mth limit on ATM withdrawals.

It's $200 worth of fee free ATM withdraws, and then 2% charge for amounts over that.

[ATC727]

To withdraw funds into the crypto app... you go to “transfer” and copy the BTC address. It’s as simple as that correct ?

[solring]

...sitting on hold now to talk to a CSR about the four fraudulent charges from this week... 1 Vitamin Shoppe in Colorado on the 21st, 2 Walmarts in California on the 22nd, 1 Home Depot in California on the 22nd... All charges for $16 or less. Only had $35 on the card since I only leave enough on the card to pay for money0rder fees.

Sat on hold for 45 minutes, never answered.

Called back this morning, answered within 4 minutes. CSR was clueless about pretty much anything. Not sure she could even tie her own shoes unassisted.

Card closed and replacement will be sent. 7-10 business days. It can be expedited, but must have $25 in account...which I don't since the fraudulent transactions reduced the balance below $25 and even though the other card is closed, I don't trust putting any more money in until the new card is activated.

Sending me a dispute form via email to indicate which transactions were not mine. Form then has to be faxed or snail mailed. Could take up to 45 to 60 business days to resolve, "but probably sooner, depending on how quickly you can return the form".

[ATC727]

Is this ur first time ever experiencing fraud on a card?? Jesus Christ enough of this. We all got the email, we all know how to dispute. Please end this conversation already

[DontTailMe]

To withdraw funds into the crypto app... you go to “transfer” and copy the BTC address. It’s as simple as that correct ?

That is how you would send bitcoin to the app, yes. But I hope you don't mean "withdraw" directly from a sportsbook without a middleman wallet.

[DontTailMe]

That's the second person in 24 hours I have seen look at their confusing website and think there was $200/mth limit on ATM withdrawals.

It's $200 worth of fee free ATM withdraws, and then 2% charge for amounts over that.

"No Fee ATM Monthly Withdrawal Limit (2% thereafter)" That's confusing?

[ATC727]

Daily limit is 500.
It’s free for $200.
Anything over $200 it’s 2% charge.