Debit Card Fraud Attempts

Carmie · ‎10-25-2010

I just got an e-mail from my credit union. Someone tried to use my debit card in AK and MN to make purchases and also with Amazon. I live in PA.

The charges were $752.49 at Target

and $400+ at Walmart

Amazon was less than $1

They tried to use the card multiple times and thankfully, it was declined. I only have $340 in my checking account and my account is set up to deny over charges and not take the funds from my savings. I dodged a bullet.

I just got off of the phone with CS. I still have my card in my possession and haven't used the actual card for weeks.

Watch your CC and bank accounts. These scammers are working overtime.

I will make sure I don't have a lot of money in my checking account and check it often.

Dang these thieves!

deeva · ‎03-09-2010

You were lucky, these crooks never quit.
I keep my debit card locked unless I'm going to the atm to get cash.

Tinkrbl44 · ‎08-23-2010

@Carmie wrote:
I just got an e-mail from my credit union. Someone tried to use my debit card in AK and MN to make purchases and also with Amazon. I live in PA.

The charges were $752.49 at Target
and $400+ at Walmart
Amazon was less than $1

They tried to use the card multiple times and thankfully, it was declined. I only have $340 in my checking account and my account is set up to deny over charges and not take the funds from my savings. I dodged a bullet.

I just got off of the phone with CS. I still have my card in my possession and haven't used the actual card for weeks.

Watch your CC and bank accounts. These scammers are working overtime.

I will make sure I don't have a lot of money in my checking account and check it often.

Dang these thieves!

@Carmie

SO glad these attempts were caught and you're financially okay!

Question ....

Has anyone you've talked to have any theories as to HOW they got your card and pin numbers?

Nightowlz · ‎03-11-2010

Sorry that happened. So glad your credit union caught it.

They know your spending habits.

Someone was trying to buy some steel in New Jersey one time. The credit union knew it wasn't us. They caught the guy when the steel was delivered or so that's what I was told.

I saw someone was using my Visa card another time when I got online to check when I purchased something. I called to report it. Someone was trying to make purchases as I was on the phone with the fraud dept. They shut it down fast. I would have loved to see their face.

I still had my cards each time someone has used them. I have never lost any card. I have no idea how they got my info.

When these crooks make all these charges with credit cards they don't have the stores are out the money not the credit card companies. The stores don't do anything about it. Too expensive. That's what the guy at the Discover Fraud Dept told me.

FLtricia · ‎02-18-2012

Many debit cards can be used as a charge card also. Mine is one of them. They do not need a pin number to use as a charge card.

Tinkrbl44 · ‎08-23-2010

@deeva wrote:
You were lucky, these crooks never quit.
I keep my debit card locked unless I'm going to the atm to get cash.

@deeva

These days, I use my self-checkout at the grocery store and can get up to $60, no fee. It works for me and it's a much safer environment, too.

A person walking out of a bank could easily have money on them.

A person coming out of her grocery store might still have some money, but less likely, and less likely she'd be mugged.

Times have changed.

Carmie · ‎10-25-2010

@Tinkrbl44 wrote:
@Carmie wrote:
I just got an e-mail from my credit union. Someone tried to use my debit card in AK and MN to make purchases and also with Amazon. I live in PA.

The charges were $752.49 at Target
and $400+ at Walmart
Amazon was less than $1

They tried to use the card multiple times and thankfully, it was declined. I only have $340 in my checking account and my account is set up to deny over charges and not take the funds from my savings. I dodged a bullet.

I just got off of the phone with CS. I still have my card in my possession and haven't used the actual card for weeks.

Watch your CC and bank accounts. These scammers are working overtime.

I will make sure I don't have a lot of money in my checking account and check it often.

Dang these thieves!

@Carmie

SO glad these attempts were caught and you're financially okay!

Question ....

Has anyone you've talked to have any theories as to HOW they got your card and pin numbers?

No, I got an e-mail and a phone call ( that I left go to voice mail) that said there was a fraud attempt.

I signed into my Credit Union Account and there was a message to call the fraud center.

The Rep was from India. He read me a list of charges and just wanted to know if they were valid... yes or no answers.

Then he gave me another number to call if I see any more charges that are not mine.

I don't know for sure if the charges were attempted on line or in person. The Target Store is in Brooklyn Park, MN.

Walmart, Bentonville, AK and Amazon, WA.

The CSR had a strong accent and was reading and didn't want to go off script.

I have no clue where somone got my number...it had to be on line charges because they would not need my PIN number. Who knows?

I am a bit upset. One of the charges they read was over 9k. I am so thankful, I have auto transfer from savings to checking disabled.

elated · ‎06-09-2010

You just have to be vigilant with your cards and check them everyday. I always know what is going on with my credit and debit cards. People are just out to get the consumer every chance they get. Fraud is running rampant and scammers are smarter than ever.

I am glad your bank caught it and alerted you. The $1.00 charge on Amazon was a test to see if it would go through.

roeroe1005 · ‎03-13-2010

Ugh, what a pain in the you know what for you.

I see the Amazon $1 charge. So the next one would have been $$$.

I have alerts on all my cards. If the charge is more than $2, I get a text from the bank. No matter where/what I purchase.

My Discover card was always getting slammed. I've had a freeze on that account for quite awhile. Several years ago, I bought tix for an upcoming performance of the Nutcracker at our local county center, where the Knicks' "B" team plays. The next day I get a call from Discover that someone tried to charge $1,900 worth of Knicks' tickets. Wonder how they got the card #??

Carmie · ‎10-25-2010

@roeroe1005 That's scary.

The last time I used my debit card was to charge $10,000 for a " Guitar Off my Back" for an Aerosmith concert back in August for my son at JoePerry website.

The concert was cancelled and it took about a month, but the $10,000 was returned back to me.

I also bought $5000 concert tickets. I wonder if someone there kept the numbers. Maybe they thought there would be money in the account. ( I just transfer money as I need it and don't keep a big balance)

That's food for thought.