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My credit union is blocking RockAuto transactions. #4679684
02/27/18 02:04 PM
02/27/18 02:04 PM
Joined: Dec 2006
Posts: 8,366
Illinois
mrsilv04 Offline OP
mrsilv04  Offline OP
Joined: Dec 2006
Posts: 8,366
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.


2004 Silverado - on its 3rd Jasper engine in less than one year.
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679692
02/27/18 02:22 PM
02/27/18 02:22 PM
Joined: Oct 2014
Posts: 3,907
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 3,907
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.

Last edited by CKN; 02/27/18 02:30 PM.
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679694
02/27/18 02:24 PM
02/27/18 02:24 PM
Joined: Oct 2014
Posts: 1,226
NoVA
Jimzz Offline
Jimzz  Offline
Joined: Oct 2014
Posts: 1,226
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]


yup
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679697
02/27/18 02:27 PM
02/27/18 02:27 PM
Joined: May 2017
Posts: 109
VA
MSTUEBER Offline
MSTUEBER  Offline
Joined: May 2017
Posts: 109
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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Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679722
02/27/18 02:49 PM
02/27/18 02:49 PM
Joined: Feb 2013
Posts: 10,717
Phoenix, AZ
Nick1994 Offline
Nick1994  Offline
Joined: Feb 2013
Posts: 10,717
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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Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679741
02/27/18 03:11 PM
02/27/18 03:11 PM
Joined: Oct 2009
Posts: 3,233
Wet side WA
JohnnyJohnson Offline
JohnnyJohnson  Offline
Joined: Oct 2009
Posts: 3,233
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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Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679747
02/27/18 03:22 PM
02/27/18 03:22 PM
Joined: Aug 2004
Posts: 19,990
CA
The Critic Offline
The Critic  Offline
Joined: Aug 2004
Posts: 19,990
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.


2011 Toyota Prius - 173k - Various 0W-20 (Brew)
2007 Honda Accord 2.4 - 131K - Mobil 1 EP HM 5W-30
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679749
02/27/18 03:23 PM
02/27/18 03:23 PM
Joined: Nov 2005
Posts: 858
Senoia, GA
thooks Offline
thooks  Offline
Joined: Nov 2005
Posts: 858
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.

Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679765
02/27/18 03:43 PM
02/27/18 03:43 PM
Joined: Apr 2014
Posts: 1,861
Spring,Texas
Bud_One Offline
Bud_One  Offline
Joined: Apr 2014
Posts: 1,861
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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Re: My credit union is blocking RockAuto transactions. [Re: CKN] #4679787
02/27/18 04:18 PM
02/27/18 04:18 PM
Joined: Dec 2006
Posts: 8,366
Illinois
mrsilv04 Offline OP
mrsilv04  Offline OP
Joined: Dec 2006
Posts: 8,366
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.


2004 Silverado - on its 3rd Jasper engine in less than one year.
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679791
02/27/18 04:26 PM
02/27/18 04:26 PM
Joined: Nov 2008
Posts: 9,048
Phoenix
dishdude Offline
dishdude  Offline
Joined: Nov 2008
Posts: 9,048
Phoenix
They're protecting their member's money...that's all.


2018 Challenger SRT
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679794
02/27/18 04:35 PM
02/27/18 04:35 PM
Joined: Mar 2017
Posts: 5,481
Gone
PimTac Online content
PimTac  Online Content
Joined: Mar 2017
Posts: 5,481
Gone
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.




Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679801
02/27/18 04:53 PM
02/27/18 04:53 PM
Joined: Oct 2014
Posts: 3,907
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 3,907
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".

Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679826
02/27/18 05:54 PM
02/27/18 05:54 PM
Joined: Mar 2008
Posts: 5,946
Michigan
ZZman Offline
ZZman  Offline
Joined: Mar 2008
Posts: 5,946
Michigan
Never had an issue


2003 Mercury Grand Marquis. Rotella T6 Multi-Vehicle oil
2008 Sebring Hardtop convertible. Rotella T6 Multi-Vehicle oil
2006 Kawasaki Vulcan 900 LT. Amsoil Metric 10w-40
Re: My credit union is blocking RockAuto transactions. [Re: mrsilv04] #4679839
02/27/18 06:15 PM
02/27/18 06:15 PM
Joined: Jul 2013
Posts: 2,213
Outer Banks, NC
NormanBuntz Offline
NormanBuntz  Offline
Joined: Jul 2013
Posts: 2,213
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.


2017 Honda Odyssey SE, 15K
2013 Honda Accord LX, 58K
2007 Honda Ridgeline RTS, 87K
2007 Infiniti M35, 106K
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