Wells Fargo Bilt Credit Card: unauthorized charges reported by cardholders (Update)

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Update 1/27/23: Bilt has sent a follow-up e-mail to cardholders confirming that the fraud issues where the result of a “BIN attack:”

This incident occurred as a result of an external fraud attempt to guess account numbers and other card related data (for example, expiration date) to commit fraud. In short, the fraudsters tried random combinations of account information to see which ones work.

In the same e-mail Bilt said that cardholders would have 1,000 points deposited into their accounts within 30 days as thank you for being patient with the company. It also changed the number to report fraud. The new number is 833-404-2272. (h/t: DOC)

It sounds like there are fairly widespread issues with unauthorized charges popping up on Bilt credit cards issued by Wells Fargo. The first version of the Bilt card that was issued by Evolve doesn’t seem to be affected. At least one reddit user reported fraudulent charges on his card before he even received it.

A Bilt representative issued this statement on reddit:

Hey all – quick update from Bilt. We have been made aware of a global fraud ring that has been launching what are called BIN attacks. In short, they use compromised merchants to randomly test millions of potential card numbers to see which ones work, focusing in on one card range at a time. While many of these card attempts get blocked (often invisibly to the customer), occasionally charges make it through. This has been happening across banks and we are aware that a few of Wells Fargo Bilt cardholders have experienced fraudulent charges as part of that.

Please note that you will never be liable for any fraud. Wells Fargo is reaching out to any impacted customers. And you can also contact Wells Fargo’s fraud team directly at 1-800-723-5533. They will remove any fraud charges and overnight you a new card. We put our customers’ security first and will make sure that this is resolved for you quickly. Thank you again for your patience!

BIN is short for “Bank Identification Number.” It’s the first 4-6 digits of a credit card number and it identifies the card issuer. If these charges are indeed the result of such an attack, it would mean that personal information linked to the card most likely hasn’t been compromised. Hopefully, that’s the case. Note that, while the statement says “a few,” DP’s suggest that this problem has affected “quite a few” cardholders.

If you currently have a Wells Fargo-issued Bilt credit card, check your statement ASAP and call the Wells Fargo fraud team at 1-800-723-5533 if you notice any fraudulent activity.

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Fenspinbi

Happened to me as well; Wells bounced 18 transactions, but one from the University of Glasgow got through since it was a trusted merchant ($0.18). I caught it right away, and Bilt sent me a new card within a week. Didn’t need to overnight it, since I only use it on the 1st, mostly for autopays, and use Chase/Amex cards for everyday carry. This was probably one of the worst credit card products they could’ve defrauded, since very few points enthusiasts are using the card for non-bonused spend, and such transactions stick out like a sore thumb.

Last edited 11 days ago by Fenspinbi
DSK

Happened to me as well as my daughter. Wells caught and denied each transaction. Key thing to note is if it happens to you, they will overnight new cards without any pushback.

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the card has had an issue, both inside and outside the award travel world.” In a statement to Frequent Miler, Bilt Rewards noted this is the result of “BIN attacks” wherein randomly generated card numbers […]

[…] the cardboard, out and in of the world of award journey, has an issue.” In a press release to Frequent MillerConstructed Rewards famous that that is the results of “BIN assaults” through which […]

[…] unauthorized charges to their accounts starting last week. A Bilt representative confirmed that a global fraud ring targeted Bilt cards issued by Wells Fargo. I’ve been checking my account ever since, and fortunately, our card was not compromised in […]

Pam

DP: I had read the reports of even new accts being targeted before I was approved 4 days ago. So far so good…

M D

Same. Was alerted by Wells Fargo of fraud attempt on 1/14 – charge of less than $1 in Brazil. Thankfully they caught it, denied it, and canceled my card.

Ninja San

Happened to me as well; few < $1 charges from Brazil. Fortunately WF rejected it and reported it to me.

Denise C peñaloza serrano

They lied to me that it was a credit card and that they would give me 200 when I did it and it was just a lie

Earnest Lee Wright

About article 16 and article 15 dwi access to the account amount transferred from public office m1 money supply to bank’s shipments.

Bilt Shills

Lolz…

I am kerrious where Richard is in the comments now? Not to be seen!

S N

Happened to me. Got an alert for a small ~$6 transaction on an online app in Mexico. The card had blocked it and wanted me to text back if I had made the transaction. I called immediately, and they had be trying multiple small transactions apparently. Got a new card overnighted and have turned it off on the website until I am ready to use it for this month’s rent.

Searts

That’s awful people’s hard earned money people stealin’ it without a conscious attached. Thank heaven’s you got that situated out.

Last edited 24 days ago by Searts
Frank

I’ve had several fraudulent transactions make it through on my BILT cards (one card replaced already, but fraud continues) for several thousand USD. A few others seem to have been caught and rejected. Reported them all but they remain on the account balance. WF in process of investigating but awful experience in the first 5 months of having the card. Will probably close the account as soon as I can.

MHR

me too Frank, i have 5 transaction fraud. They replaced my card to a new one however, all these five transaction been moved to the new account. They said they will replace it again I called the dispute center to do this, but these transactions to show on my account if this is not been cleared with in two weeks. I have to go back and deal with it. I do admire this card to be honest, I will do my best to solve this issue. I need to be patient with them as well because they face a huge fraud problems with many customers so sometimes I need help as well.

Mike Saint

This happened to me as well and I’m 100% sure somehow hackers are hacking into Wells Fargo which is really really scary. I don’t use this card often and don’t use it online. I had several attempts last week in Brazil. Fortunately Wells Fargo declined the charges but it’s a major pain to get all my card replaced but they were kind enough to priority Fed Ex it. It only took 2 days but it’s scary hackers are hacking into Wells Fargo.

MHR

Me too Mike, all my transaction from Brazil. 5 of them. some other from UK.

Mike Saint

Im not sure what the future holds when hackers can just randomly generate this many credit card numbers, expiration dates and Security codes. I don’t think it’s a data breach as much as it’s just powerful computers generating millions or combinations per minute.

Probably will be much more of this in the future.

Raina

I think the way to go would be getting passcodes on your mobile phones. That is how it works in many countries

Anthony

I had thousands spent at an Apple store in Madrid. Bilt took care of it and issued me a new card.

MHR

Hello Sir,
Please, can you explain how they take care of it did you see it as a balance credit to your account because mine still show as a true transaction?.

Anthony

I had to call in and report the charges as fraudulent. They were handled then.

Ilana

This happened to me too- interestingly, they didn’t overnight the new card, and instead sent it by regular mail, but I didn’t push them on it.

Pam

I received my new card today USPS. Ridiculous after all the fraud they wouldn’t spring for tighter delivery controls?!

Danielle F

Happened to me too. I feel more comfortable that it wasn’t a mistake I made but also uncomfortable that this affected so many people

PointsMan

Happened to me, multiple hits but only one went through. They were all <$1 transactions in the UK