I did somehow have two different cards (an Amex and a Visa) compromised at the same time about two months ago, and I do wonder if it was some kind of skimmer setup - if it was just one of them then I'd assume it was just some online store I'd used it at that had been hacked, but I've not used both those cards on the same sites.
I got a notification asking me to confirm a transaction on the Visa and then looked in my app and found they'd actually got another transaction pending at a hotel. I called them up and the hotel said they would "kick out the guests" and refund me. Not sure why they didn't want to call the police on them, because when I called later they said I should report it to the police, but all of the transactions had been refunded so I literally had zero loss and there was nothing really to report... It was them who'd provided the services and suffered the loss, the hotel should have had the police remove them!
Anyway, on the same day the Visa had been used at the hotel, I also had some fraudulent transactions on the Amex, although most of them seemed to be automatically refunded by the vendor themselves (so maybe it was flagged by the vendor's anti-fraud mechanisms and refunded to avoid a chargeback from American Express) before I cancelled the card. They'd tried three times with a similar amount and they'd all refunded.
The other weird thing was that the hotel that the Visa was used at claimed that it had to be a card-present transaction or in a digital wallet, but I didn't get any notification about it being enrolled in a digital wallet and I always had the physical card with me. So not sure if that was mistaken or BS or if they managed to somehow fake the digital wallet.
But yeah it didn't work out for them because I caught the transaction the same day they'd checked in to a hotel with the card and then both were cancelled that day...
The hotel refunded the pending transaction, so they are the party that suffered the financial loss. If they hadn't done that, then the credit card company would have done a charge-back on the disputed transaction and made me whole, and I wouldn't have suffered a loss in that case either. The first question the police forms for reporting fraud or cybercrime are "how much have you lost" - they don't care if it's 'nothing'.
It's the hotel that has to clean the room, has lost consumables, and has lost revenue from it not being available to be booked...
I got a notification asking me to confirm a transaction on the Visa and then looked in my app and found they'd actually got another transaction pending at a hotel. I called them up and the hotel said they would "kick out the guests" and refund me. Not sure why they didn't want to call the police on them, because when I called later they said I should report it to the police, but all of the transactions had been refunded so I literally had zero loss and there was nothing really to report... It was them who'd provided the services and suffered the loss, the hotel should have had the police remove them!
Anyway, on the same day the Visa had been used at the hotel, I also had some fraudulent transactions on the Amex, although most of them seemed to be automatically refunded by the vendor themselves (so maybe it was flagged by the vendor's anti-fraud mechanisms and refunded to avoid a chargeback from American Express) before I cancelled the card. They'd tried three times with a similar amount and they'd all refunded.
The other weird thing was that the hotel that the Visa was used at claimed that it had to be a card-present transaction or in a digital wallet, but I didn't get any notification about it being enrolled in a digital wallet and I always had the physical card with me. So not sure if that was mistaken or BS or if they managed to somehow fake the digital wallet.
But yeah it didn't work out for them because I caught the transaction the same day they'd checked in to a hotel with the card and then both were cancelled that day...