(Closed) Hurt.confused.scared.whats next?

posted 5 years ago in The Lounge
Post # 3
Member
642 posts
Busy bee
  • Wedding: February 2013

Have you ever been to that gas station?

Post # 4
Member
5886 posts
Bee Keeper
  • Wedding: October 2010

Someone stole the card info and used it to create a physical card. 

  1. Call the bank back. Tell them you want to cancel your card and please issue you a new one.
  2. Call the police and tell them what happened.

Good Luck!

Post # 5
Member
1026 posts
Bumble bee
  • Wedding: September 2012

I’m so sorry that happened.  It sounds like somehow your information was stolen and used by someone else.  

I would:

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 # 7
Member
14404 posts
Honey Beekeeper
  • Wedding: June 2011

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
Member
668 posts
Busy bee
  • Wedding: April 2013

Happens all the time. It will be fine. 

Post # 9
Member
134 posts
Blushing bee
  • Wedding: April 2013

@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
Member
612 posts
Busy bee
  • Wedding: November 2013

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 Fiance 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 # 12
Member
2515 posts
Sugar bee
  • Wedding: December 2011

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
Member
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

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
Member
612 posts
Busy bee
  • Wedding: November 2013

@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
Member
11752 posts
Sugar Beekeeper
  • Wedding: November 1999

@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.  

By The Way 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
Member
3691 posts
Sugar bee
  • Wedding: December 2011

“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.  

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