Possible data breach through Westgate/Comenity

[LeahLeahBoBeah]

Has anyone experienced a recent breach involving a Westgate Comenity card?

I'm helping a Westgate owner who has been the victim of fraud. She has purchased with Westgate several times (that's another story), and during the last purchase, they opened a Comenity card and charged the deposit to it (of course, without being fully transparent and open to her about what they were doing.) The card has only ever been used through Westgate and Westgate Cruise & Travel and she's never carried a balance on it. In June and July, five separate charges for purchases through two companies showed up on her bank statement. The bill was set up on autopay, so she didn't notice it for a few weeks.

I'm trying to track down the possible breach source, and there are only a handful of ways it could have happened. The most likely scenarios are system breaches at Westgate, Westgate Cruise & Travel, or Comenity, or someone got their hands on documentation that included the full card number when the account was first opened and sat on using it for more than two years.

Has anyone experienced something similar and been able to narrow down where the breach occurred? Or is this maybe a larger, more common issue that no one realizes is happening, so no one is talking about it?

 

[dioxide45]

Has anyone experienced a recent breach involving a Westgate Comenity card?

I'm helping a Westgate owner who has been the victim of fraud. She has purchased with Westgate several times (that's another story), and during the last purchase, they opened a Comenity card and charged the deposit to it (of course, without being fully transparent and open to her about what they were doing.) The card has only ever been used through Westgate and Westgate Cruise & Travel and she's never carried a balance on it. In June and July, five separate charges for purchases through two companies showed up on her bank statement. The bill was set up on autopay, so she didn't notice it for a few weeks.

I'm trying to track down the possible breach source, and there are only a handful of ways it could have happened. The most likely scenarios are system breaches at Westgate, Westgate Cruise & Travel, or Comenity, or someone got their hands on documentation that included the full card number when the account was first opened and sat on using it for more than two years.

Has anyone experienced something similar and been able to narrow down where the breach occurred? Or is this maybe a larger, more common issue that no one realizes is happening, so no one is talking about it?

Chances are you won't be able to figure out where the breach happened and if you do, it won't matter. It is up to the bank (Comenity) to figure that out to protect their bottom line. I would suggest just disputing the transactions and moving on.