topic Re: Debit card compromised in Community Chat

Debit card compromised

SeaMaiden — Wed, 30 May 2018 15:42:59 GMT

I was doing my check of my account online as I always do yesterday morning ... saw two charges that stood out as not charges we( hubby and I) had made. One was pending from Sunday and the other had gone through the day before. They both were for the same amount, from the same grocery store.

I went to the store yesterday and they were able to find the first charge. It was made at the self checkout..( which we never use) and they purchased a case of beer ( which we never buy) and then took out $40 cash.

I assume the charge this last Sunday was for the same( beer and cash) it was for the same exact amount. The amount ( about $60.00) is more than we usually spend at the grocery store and we never take cash back.

So somehow the card was skimmed for the information somewhere....

We never use the debit card onlne... and if we take cash withdrawls we only go throught the bank, we buy all our gas with cash only.... so it is hard to say where our card was skimmed. I guess the chip feature is not really very helpful in stopping thieves......

We went to the bank yesterday and have new cards coming and a new pin . The bank is taking care of it swiftly and there was no problem having the money returned to our account. I am just glad I caught this early. It pays to check all your accounts daily. We bank with Bank of America. They took care of us very well.

Re: Debit card compromised

Lipstickdiva — Wed, 30 May 2018 15:47:53 GMT

I'm confused how someone went into an actual grocery store and used your card numbers without actually having your card? I can understand the numbers being skimmed and on-line purchases being made, but I've never been able to just type in numbers from a card at the grocery store. I have to have the card on me to use it.

Re: Debit card compromised

Mz iMac — Wed, 30 May 2018 15:50:15 GMT

I don't care what the chip manufacturers say about its protection, I still keep my chipped cc in a RFID protection case and/or pocketbook as well as all my other cards w/my personal info encoded.

~~Knock on wood, I have never been a "victim."~~

Re: Debit card compromised

Trinity11 — Wed, 30 May 2018 15:51:09 GMT

Bank of America had a large issue recently with a store that apparently had a breach. I was informed and sent a new card and number. This was their credit card.

As far as a debit card ...my financial advisor told me many years ago to only use it to take out cash from the bank. I have never bought anything with it because it would give thieves access to my other accounts.

Sorry this happened to you. I had my identity stolen about 3 years ago and it took quite awhile to clear up.

Re: Debit card compromised

SeaMaiden — Wed, 30 May 2018 15:51:45 GMT

@Lipstickdiva wrote:
I'm confused how someone went into an actual grocery store and used your card numbers without actually having your card? I can understand the numbers being skimmed and on-line purchases being made, but I've never been able to just type in numbers from a card at the grocery store. I have to have the card on me to use it.

They are able somehow to transfer the info onto another card... or a dummy card. Probably why they used self checkout.

Re: Debit card compromised

NickNack — Wed, 30 May 2018 15:51:50 GMT

Like LipstickDiva I don't understand how they can use a card at the grocery store without having a physical card. This happened to me one time with my debit card being used at a Starbucks in a different state. It was used about five times in one day for gift cards. They attempted to use it the next day after my bank had closed the card. I guess they had to have a card made for themselves illegally.

Re: Debit card compromised

Trinity11 — Wed, 30 May 2018 15:53:20 GMT

@NickNack wrote:
Like LipstickDiva I don't understand how they can use a card at the grocery store without having a physical card. This happened to me one time with my debit card being used at a Starbucks in a different state. It was used about five times in one day for gift cards. They attempted to use it the next day after my bank had closed the card. I guess they had to have a card made for themselves illegally.

The thieves make a duplicate card. That is what I was told when my identity was stolen.

BTW, I think it happened to me by giving a medical office my Social Security Number and they wanted a credit card on file.

Re: Debit card compromised

NickNack — Wed, 30 May 2018 15:54:12 GMT

@Mz iMac wrote:
I don't care what the chip manufacturers say about its protection, I still keep my chipped cc in a RFID protection case and/or pocketbook as well as all my other cards w/my personal info encoded.

~~Knock on wood, I have never been a "victim."~~

@Mz iMac If you see a symbol of radio waves on your credit card that means you have an RFID chip and the RFID protection will work. If you don't see that symbol it will not work. Neither my debit card or the credit card that I use have that symbol.

Re: Debit card compromised

Alison Wonderland — Wed, 30 May 2018 15:55:44 GMT

I have my debit card through BofA and use their Text features to get a daily message about my account balance. It also allows me to text at any time and get a real-time update on my balance and the last 5 transactions.

It helps keep me posted so I always know if something is wrong and don't have to wait for a monthly statement or go searching for the information.

Re: Debit card compromised

SeaMaiden — Wed, 30 May 2018 15:59:36 GMT

@Alison Wonderland wrote:
I have my debit card through BofA and use their Text features to get a daily message about my account balance. It also allows me to text at any time and get a real-time update on my balance and the last 5 transactions.

It helps keep me posted so I always know if something is wrong and don't have to wait for a monthly statement or go searching for the information.

@Alison Wonderland Thanks for the info!

Re: Debit card compromised

Lipstickdiva — Wed, 30 May 2018 16:08:05 GMT

@SeaMaiden wrote:
@Lipstickdiva wrote:
I'm confused how someone went into an actual grocery store and used your card numbers without actually having your card? I can understand the numbers being skimmed and on-line purchases being made, but I've never been able to just type in numbers from a card at the grocery store. I have to have the card on me to use it.
They are able somehow to transfer the info onto another card... or a dummy card. Probably why they used self checkout.

@SeaMaiden, so they made another card?

I'm not a criminal so I don't think of these things. LOL

Sorry this happened. It stinks. It's happened to me before but the numbers were used for on-line shopping. My bank was excellant about it but it's still a major hassle.

Re: Debit card compromised

Lipstickdiva — Wed, 30 May 2018 16:11:53 GMT

@SeaMaiden wrote:
@Alison Wonderland wrote:
I have my debit card through BofA and use their Text features to get a daily message about my account balance. It also allows me to text at any time and get a real-time update on my balance and the last 5 transactions.

It helps keep me posted so I always know if something is wrong and don't have to wait for a monthly statement or go searching for the information.
@Alison Wonderland Thanks for the info!

While that seems like a good idea, I would be leery about having bank information texted to me. That seems like just another way for personal information to be intercepted.

I would never even go to my bank's app and log in to my account from anywhere but a secure wi-fi location. I'm very careful about the sites I go to if I'm in a mobile hotspot.

Re: Debit card compromised

sunshine45 — Wed, 30 May 2018 16:12:12 GMT

@Lipstickdiva wrote:
@SeaMaiden wrote:
@Lipstickdiva wrote:
I'm confused how someone went into an actual grocery store and used your card numbers without actually having your card? I can understand the numbers being skimmed and on-line purchases being made, but I've never been able to just type in numbers from a card at the grocery store. I have to have the card on me to use it.
They are able somehow to transfer the info onto another card... or a dummy card. Probably why they used self checkout.
@SeaMaiden, so they made another card?

I'm not a criminal so I don't think of these things. LOL

Sorry this happened. It stinks. It's happened to me before but the numbers were used for on-line shopping. My bank was excellant about it but it's still a major hassle.

LOL i am not a criminal either, but they have been doing it this way for many years. with all of the alerts and online access though, people can catch it much more quickly than waiting for a bill to arrive. people get stolen drivers licenses that way also.....ever wonder how so many underage kids can get into bars and clubs?

Re: Debit card compromised

VaBelle35 — Wed, 30 May 2018 16:12:29 GMT

I never use my Debit Card. It sits in my house until I need to take out cash from an ATM which is like once every 6 months.

Re: Debit card compromised

excpa — Wed, 30 May 2018 16:12:39 GMT

I had a similar experience at my (former) credit union. Unfortunately, the money came out of my checking account and claimed to be an Amazon charge. According to Amazon, it wasn't. According to the credit union, Amazon was responsible and should reimburse me. It took over an hour to close my account and I'm out the money.

It seems the rules for credit unions is not the same as credit cards and banks. Credit unions do not protect their customers, or, at least, this one decided not to. I had a savings account, a checking account and a debit card and I'll never use them again.

My BAC experience was similar and BAC handled it very well.

Beware credit unions.
Their staff leaves much to be desired at every level.

Re: Debit card compromised

SeaMaiden — Wed, 30 May 2018 16:14:19 GMT

@Lipstickdiva wrote:
@SeaMaiden wrote:
@Lipstickdiva wrote:
I'm confused how someone went into an actual grocery store and used your card numbers without actually having your card? I can understand the numbers being skimmed and on-line purchases being made, but I've never been able to just type in numbers from a card at the grocery store. I have to have the card on me to use it.
They are able somehow to transfer the info onto another card... or a dummy card. Probably why they used self checkout.
@SeaMaiden, so they made another card?

I'm not a criminal so I don't think of these things. LOL

Sorry this happened. It stinks. It's happened to me before but the numbers were used for on-line shopping. My bank was excellant about it but it's still a major hassle.

@Lipstickdiva This is all new to me as well.... It is very upsetting. Yesterday I felt odd all day and weirdly less safe.... just a feeling I had going through the hassel of talking to everyone and getting everything taken care of. I feel fortunate to have not had issues with thieves at all all up to this point. A wake up call to really be more aware and on top of things the best I can be.

Re: Debit card compromised

sweetee2 — Wed, 30 May 2018 16:16:00 GMT

My card information was stolen from a Red Box. By that evening they had charged 2000 dollars at Sam's club through the self serve line. I called the store and talked to the security officer and asked him why the lady up front didn't notice the same people coming in time after time. da.

Re: Debit card compromised

sidsmom — Wed, 30 May 2018 16:17:26 GMT

@SeaMaiden

So the only time the card is used is at the Bank for cash, yes?

Is through an outside ATM...or inside?

Re: Debit card compromised

SeaMaiden — Wed, 30 May 2018 16:17:37 GMT

@excpa wrote:
I had a similar experience at my (former) credit union. Unfortunately, the money came out of my checking account and claimed to be an Amazon charge. According to Amazon, it wasn't. According to the credit union, Amazon was responsible and should reimburse me. It took over an hour to close my account and I'm out the money.

It seems the rules for credit unions is not the same as credit cards and banks. Credit unions do not protect their customers, or, at least, this one decided not to. I had a savings account, a checking account and a debit card and I'll never use them again.

My BAC experience was similar and BAC handled it very well.

Beware credit unions.
Their staff leaves much to be desired at every level.

@excpa Thanks for sharing this info. It is really best to always ask to see the bank or credit unions policies for debit cards... they really do differ bank to bank and the rules can change at a moments notice. I just read this recently.

Re: Debit card compromised

corita — Wed, 30 May 2018 16:18:51 GMT

@Trinity11 wrote:
As far as a debit card ...my financial advisor told me many years ago to only use it to take out cash from the bank. I have never bought anything with it because it would give thieves access to my other accounts.
----------------
I was told the same thing by a banking person!!!