(Closed) DEBIT CARD FRAUD…anyone deal with this before?

posted 6 years ago in Money
Post # 3
Member
251 posts
Helper bee
  • Wedding: October 2012

File from your location asap. Just have it documented will make all the difference. Actually do it now!

Post # 4
Member
869 posts
Busy bee

I’m really not sure about the issue about your bank being local, but I think most financial instituions should have some sort of 24/7 fraud reporting line…  Usually, from what I understand, as long as you report the charges, the bank should proceed with the fraud claim and you should get your money back.  I had one really shady experience last Dec where someone hacked into my online banking and transferred over $9000 to a cross border account (to US from Canada).  It was the bank who called me immediately, and as soon as I said it didn’t happen, they proceeded with the fraud claim and I had my $ back in 48hours.  (My account was frozen in the process, though, and they claimed it must have been a virus on my computer (nolonger have that one).  Hope you can get your $ back!  

Post # 5
Member
10573 posts
Sugar Beekeeper
  • Wedding: January 2011

Is there a number you can call?  Here afaik you can call banks at anytime, even when the branches aren’t open.  The whole banking system in the US is very different though.

Sorry this happened!  A while ago I had to get a new debit card (and remember a new pin) and just recently, DH’s cc was cancelled (and he’s still waiting on a new one) because of fraud.  That was caught for us though, and it was still frustrating.

Post # 6
Member
1856 posts
Buzzing bee
  • Wedding: March 2013

It’s the worst feeling, isn’t it? I’ve had it happen several times.

First of all, it’s really important to talk to your bank ASAP. That’s obviously going to be a bit tricky if they’re closed until Tuesday, but definitely call or go in immediately.

In terms of a police report, I’ve never filed one when this has happened to me, but it might be a good idea given that your bank won’t be open for several days and you want to make it clear this wasn’t you spending this money. The main issue I can see is that you won’t be able to have your debit card shut down until Tuesday which gives this awful person a while to spend your money. I’d call the non-emergency police line and ask what you should do. Police reports are filed in the area you live.

The good news is that once you let your bank know, they’ll cancel your old card (shutting off this person’s access to your account), give you a new card, and they’ll investigate. If it’s clear you weren’t the one using it, most (all, probably) banks will return that money to your account.

So sorry this has happened. So frustrating, and even worse with a holiday weekend and a hurricane.

Post # 7
Member
5388 posts
Bee Keeper
  • Wedding: December 2010

So sorry this happened. I would look to see if your bank has a 24/7 fraud hotline. By the way, QT is a gas station.

Post # 9
Member
1856 posts
Buzzing bee
  • Wedding: March 2013

Fingers crossed for you!

Post # 10
Member
10573 posts
Sugar Beekeeper
  • Wedding: January 2011

Whoever this person is, they have horrible taste in food!  Every now and then I think a burger from BK can’t be as bad as I remember, and I end up reminding myself.  How the fuck did he/she manage to spend $15 there?  Gross!

Hopefully they get food poisoning!

Post # 11
Member
1400 posts
Bumble bee
  • Wedding: September 2012

Def. call that number. I’ve had this happen like 3 times and it is so annoying! Just get a job people stop stealing my hard earned money!

You will probably have to fill out some paperwork and then it can take a while, but you should get the money back.

I was lucky, my bank actually caught it for me each time before I ever noticed.

Good Luck!

Post # 13
Member
3583 posts
Sugar bee
  • Wedding: August 2012

@LizLemon:  Because of the BK charge, I’m thinking your card was swiped at a gas station machine. There are programs that are loaded onto cards that upload to the POS which send the info back to a server in BFE. At that point, their card becomes like a bank, able to swipe as you would.

What’s interesting about this is that they won’t use debit and they won’t go to another gas station because they need your PIN, zip, to do so. Your bank will cover it because it’s backed by Visa/MC, whatever but it’s quite a pain in the ass waiting for a card. Report it asap, see if someone will western union the money to you, and file a polic report for your records in case something happens to your credit score for some reason.

And ladies, useyour card as a credit card whenever possible so you are never liable for these types of horseshit situations.

OP, I am so sorry. What awful timing!! 🙁

Post # 14
Member
3583 posts
Sugar bee
  • Wedding: August 2012

@AB Bride:  Gasp!! How dare you. I started my period yesterday and had not one, but TWO whopper jrs yesterday. Nom nom.

Post # 15
Member
3583 posts
Sugar bee
  • Wedding: August 2012

@trugem:  

OP, was that one of the first charges?? I wonder if that’s where they swiped it. Try to remember because you’ll want to inform them too. Youre likely not the only one this is happening too. Gawd. People suck.

ETA- as soon as you call (they’ll be 24/7) they’ll ask if you want to freeze or cancel the card. I would just cancel in case they try to use the account 6 months from now. 

Post # 16
Member
11272 posts
Sugar Beekeeper
  • Wedding: April 2012

@LizLemon:  i hope it works out for you.  definitely call right away so that they can put a hold on your account. 

i can’t believe people actually do this.

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