CZ- what you described in your original post wasn’t necessarily a data breach or invasion of privacy, but instead, probably an algorithm that got trip-wired to prevent potential fraud. Small purchase, then larger one, although I don’t see a 22 dollar purchase as something to raise an eyebrow (robotic or otherwise).
I had a similar experience with Amex with whom i have had an account forever. I used it for the first time to pay a third party food delivery service that picks up from restaurants. Shortly after that, i had a relatively large expenditure. That signaled to Amex that the card or card owner data might have been compromised, b/c apparently, a lot of data thieves will feed themselves using one of these restaurant delivery services, then go wild on bling. That behavior was caught by the Amex algorithm and essentially suspended or reigned in card activity until i finally talked to the right person in the fraud department.
The frustration for me was that it took several calls- and all to the wrong people- who assured me no issues existed with my account. It wasn’t until I got to the "right" person in the fraud department that they explained the procedure, and then removed the flag on my account.
Ostensibly, this is for our own protection. But the "safety device" can over-react or kick in even when there is no foul play afoot. Isn’t that your complaint, as well as trying to get it rectified?
I had a similar experience with Amex with whom i have had an account forever. I used it for the first time to pay a third party food delivery service that picks up from restaurants. Shortly after that, i had a relatively large expenditure. That signaled to Amex that the card or card owner data might have been compromised, b/c apparently, a lot of data thieves will feed themselves using one of these restaurant delivery services, then go wild on bling. That behavior was caught by the Amex algorithm and essentially suspended or reigned in card activity until i finally talked to the right person in the fraud department.
The frustration for me was that it took several calls- and all to the wrong people- who assured me no issues existed with my account. It wasn’t until I got to the "right" person in the fraud department that they explained the procedure, and then removed the flag on my account.
Ostensibly, this is for our own protection. But the "safety device" can over-react or kick in even when there is no foul play afoot. Isn’t that your complaint, as well as trying to get it rectified?