Post # 1
Well ladies I need some advice. I checked my bank statement online and there was a weird charge for over $100 from a gas station dated 1-14-13. Well I called the bank and they said the card was physically swiped but how could that be possible when I was home tonight and had the card in my back pocket? I called the bank and they had mentioned something about filing a police report? I don’t know what to do. On top of that I won’t get my money back for close to two weeks.
what do I do?
Post # 3
Have you ever been to that gas station?
Post # 4
Someone stole the card info and used it to create a physical card.
- Call the bank back. Tell them you want to cancel your card and please issue you a new one.
- Call the police and tell them what happened.
Post # 5
I’m so sorry that happened. It sounds like somehow your information was stolen and used by someone else.
Call the bank back and have them freeze your account so no other charges can be added.
Call the police and file a report that your card # was stolen and used.
Talk to the bank about getting the money back.
Talk to the bank about getting new cards with different numbers.
Check any other cards and accounts and make sure there has been no activity on them/possibly change cards and passwords as needed.
Check with the major credit reporting agencies- Trans Union, verifax (I can’t remember the name of the third). Report that you had a stolen card, so that it has a minimal effect on your credit score.
I hope you are able to work everything out
Post # 6
No I haven’t used that gas station. Bank files a claim but the money that was stolen probably won’t be on my account for up to two weeks. Bank is sending a new card. The only time I used my card today was at fresh and easy I’m just so mad.
Post # 7
Thats nuts. They should be crediting you back right away during the investigation. Police do not need to be involved. This has happened a few times to me, and I’ve never had to do more than just put in a fraud report with the bank.
Post # 8
Happens all the time. It will be fine.
Post # 9
@figgnewton: Be happy it was only $100. Stop your card and have the bank issue you a new one. I would also close that checking account to be on teh safe side and re open a new one. I recently had my card number stolen and used to purchase over $2,000. It also happened to me a few years ago. RiverBride13 is right this happens all the time and it will be fine. Just be careful were you use your card in the future. The bank is liable to return your money to you for fraud. It will take a few days, it sucks and yes it is a set back, but it will all work out. Worse things can happen 😉
Post # 10
This happened to me last year. Someone got hold of my cc info and booked a hotel room in Russia. Ive never been on a plane let alone have plans to go to russia (although a vaca would have been nice lol). I just called the bank and they reibursed me the $ right away and issued me and FI new cards. Why is it taking your bank so long to give you the $ back? Thats crazy. And like the pps said, no need to involve the police. Unless you have a feeling you know who it is of course.
Post # 11
I’m more calm now. Turns out my dad had this happen to him last year. (Didn’t tell us he is very private.) I was mostly upset because the guy on the other end sucked at speaking english (nothing against other ethnicities) and kept asking me:
Did you use your card at 7:15? No I was at home since 5.
Did you loose your card? No it’s in my hand as we speak.
Did you give your card to whoever stole your number? No it’s in my hand.
Do you know the person who stole your card number? No.
Ma’am it was physically swiped. How is this possible if you have it in your hand? I don’t know.
Do you know who might have wanted your card number? No.
Have you recently lost your card? No.
Post # 12
this has happened to me with 2 different credit cards. the first time it was my nordstrom visa a few years ago. they called me to ask if i’d tried to make a purchase at home depot and i said no. i had the card in my possession and the lady said theives get the number from a list and create a physical card. she cancelled my card immediately and sent me a new one. it happened again a few months ago on my chase card. one of the purchases went though but the 2nd one didn’t. they called and i told them i hadn’t made or authorized the purchase so they credited my account, closed it and sent me a new card. most credit card companies will call you if something comes up that’s out of the norm of your usual spending. it’s never happened on my atm card so i don’t know if banks are more difficult about dealing with it.
also, it’s pointless to call the cops. there’s nothing they can do for you.
if your bank is being an asshole about it and not giving you your money back right away, i would switch banks. not cool.
Post # 13
It’s not that uncommon.
Your card was likely skimmed at an ATM or gas pump and that info was used to make a dummy card. Since gas pumps don’t check ID, it’s an easy way for someone to use your card without having to show ID.
There is no way your credit card issuer has never heard of this before. It’s so common, in fact, that it is covered under fraud prevention on all of my cards, automatically. I’ve never had to pay for charges like this, nor have I had to file a police report.
Post # 14
@crayfish: Exactly this. My bank gave me a “provisionary refund” immediately. Then they did an investigation. I kept the $ of course because the charge was fraud but if it turned out that the investigation showed that the charge was me, they would have taken the $ back. Im suprised your bank doesnt have a policy like this…
Post # 15
@figgnewton: what do you do? file a police report and then call the bank back and give them the police report # – it will be way easier to gety our $ back if you file a police report.
BTW when my wallet was stolen – the entire $25,000 that was charged on both credit and debit cards was returned within 12 hours or so (the credit cards took a little bit of time, debit card was credited back within 1 hour). They give you the money back provisionally, then take about 1 month to conduct the investigation in which the police report number is important. They send you the report to fill out within 1 month and you just return it and the case will likely be closed.
Post # 16
“There is no way your credit card issuer has never heard of this before.”
I totally agree with this. OP, since your bank sounds like their customer service is sub par, I’d switch to another banking institution once they get this straightened out. There’s no excuse for a bank to not know about the card skimming scams and people making dummy cards. It’s happening everywhere.