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#4679684 - 02/27/18 01:04 PM My credit union is blocking RockAuto transactions.
mrsilv04 Offline


Registered: 12/08/06
Posts: 8263
Loc: Illinois
I tried to make a purchase at RockAuto this morning, but could not get payment to go through. RockAuto was providing a message to me that my credit union was denying the transaction.

A few moments later, I got an automated call from the CU's fraud department, asking if I'd tried to make a purchase there. Yes, it was me, and indicated that it was OK.

I tried again 15 minutes later. Still being denied.

I called the CU about this. I was told that they've placed a block on all RockAuto transactions due to a sudden increase in fraudulent transactions. If I wanted to make a purchase from them, I'd have to request a temporary removal of the block, and then I'd have a certain amount of time to complete the transaction.

Nice.

Anyone else seeing issues like this with RockAuto? Sounds like it might be a good time to keep a close eye on your bank statements if you've purchased from them lately.
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#4679692 - 02/27/18 01:22 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
CKN Offline


Registered: 10/14/14
Posts: 3686
Loc: Utah
I have a couple of co-branded cards (Sam's Club/Lowes Hardware) by Synchrony Bank. To say this bank is paranoid about "unauthorized transactions" is an understatement. I never use the Lowes Card- and the ONLY reason I keep the Sam's Club Card is because of attractive rebates on certain categories. If not for this I would drop the card in a second.

It sounds like you need to talk to the branch manager at the credit union-as I would find this restriction unacceptable. If they refuse to budge-find another card/credit union (I have others as well) that are not as paranoid.


Edited by CKN (02/27/18 01:30 PM)

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#4679694 - 02/27/18 01:24 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
Jimzz Offline


Registered: 10/03/14
Posts: 1140
Loc: NoVA
I have never had any issues with RA and my CCs being wrecked. I know RA has extra checks on their system for CCs so maybe it happened in the past and some banks/Credit Unions still have them marked as questionable?

E-mail RA to see what they say. [email protected]
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#4679697 - 02/27/18 01:27 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
MSTUEBER Offline


Registered: 05/19/17
Posts: 109
Loc: VA
I had same trouble with Discover using RockAuto. I had to open a email from Discover and verify that I was making a purchase. Then punch in a security code into RockAuto checkout page to complete transaction.
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#4679722 - 02/27/18 01:49 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
Nick1994 Offline


Registered: 02/19/13
Posts: 10097
Loc: Phoenix, AZ
I had that happen a little over a year ago with Chase bank. Rock Auto’s built in system was declined. But Rock Auto also allows PayPal and that went through.

Chase declined transactions 6 times for me in the year 2016 thinking I was making fraudulent purchases. I dropped them and went to a credit union. Been happy ever since.
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#4679741 - 02/27/18 02:11 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
JohnnyJohnson Online   content


Registered: 10/22/09
Posts: 2734
Loc: Wet side WA
Just remember there are lots of other Credit Unions. Call them and ask them what the story is.
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#4679747 - 02/27/18 02:22 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
The Critic Offline


Registered: 08/30/04
Posts: 19793
Loc: CA
No problems with Chase Sapphire Reserve and RockAuto purchases. I have a fairly consistent spending pattern for auto related purchases (both online and retail), so perhaps that has something to do with it.
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#4679749 - 02/27/18 02:23 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
thooks Offline


Registered: 11/30/05
Posts: 825
Loc: Senoia, GA
I believe I had a call from the CU Fraud dept when I bought brake rotors and pads from them about a year ago.

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#4679765 - 02/27/18 02:43 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
Bud_One Offline


Registered: 04/19/14
Posts: 1832
Loc: Spring,Texas
I use Paypal when I purchase from Rockauto.com , never have had an issue.
I use a credit union as well.
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#4679787 - 02/27/18 03:18 PM Re: My credit union is blocking RockAuto transactions. [Re: CKN]
mrsilv04 Offline


Registered: 12/08/06
Posts: 8263
Loc: Illinois
Originally Posted By: CKN
It sounds like you need to talk to the branch manager at the credit union-as I would find this restriction unacceptable. If they refuse to budge-find another card/credit union (I have others as well) that are not as paranoid.


Considering that late last year, this same credit union blocked around $900 worth of fraud, before it was charged to me, I don't think I'll be giving them a hard time about this.

I'm betting they see a pattern that they simply don't like, and don't want any part of.
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#4679791 - 02/27/18 03:26 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
dishdude Offline


Registered: 11/14/08
Posts: 8732
Loc: Phoenix
They're protecting their member's money...that's all.
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#4679794 - 02/27/18 03:35 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
PimTac Offline


Registered: 03/04/17
Posts: 4233
Loc: Soviet State of Washington
IT would seem that if the card holder has already verified that they are conducting business with RA then the credit union could whitelist them for that user thus avoiding this.
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#4679801 - 02/27/18 03:53 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
CKN Offline


Registered: 10/14/14
Posts: 3686
Loc: Utah
Originally Posted By: mrsilv04
Originally Posted By: CKN
It sounds like you need to talk to the branch manager at the credit union-as I would find this restriction unacceptable. If they refuse to budge-find another card/credit union (I have others as well) that are not as paranoid.


Considering that late last year, this same credit union blocked around $900 worth of fraud, before it was charged to me, I don't think I'll be giving them a hard time about this.

I'm betting they see a pattern that they simply don't like, and don't want any part of.



If it's a credit card in question-you wouldn't have been responsible for the $900.00 anyway. I had the same thing happen on a (fraudulent) $500.00 purchase (that went through) and told them it wasn't mine. They have a way of cross checking phone numbers and what have you in "dispute cases".

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#4679826 - 02/27/18 04:54 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
ZZman Online   content


Registered: 03/17/08
Posts: 5773
Loc: Michigan
Never had an issue
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#4679839 - 02/27/18 05:15 PM Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04]
NormanBuntz Offline


Registered: 07/27/13
Posts: 2121
Loc: Outer Banks, NC
You don't say whether it was a credit card or a debit card. You have more protection with such online transactions if you use a credit card.
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