Fraudulent activity on debit card

[The Old Jaybird]

my "hip" grandson says one of the new scams is to take a photo of the card, front and back, and you have all the numbers to use later. This is common at restaurants where the server leaves with your card for a couple minutes.

 

[spencer60]

Yup, that's all most online places require... although some will ask for a ZIP code.

 

[kuduman]

Scratch the security number off the card... it's not embossed. You only need that for online shopping, and you can keep it written down at home.

 

[spencer60]

^^^
Checked on mine and all of them are stamped... I guess you could sand it down smooth though without damaging the card.

 

[Jackie Graham]

I would agree with it being an inside job. I just went through someone washing a check. Now the check was written to an individual that runs a business. She deposited it at Bank of America in Conyers the same day. No possibility of anyone outside the bank touching it as she is the only one to have touched it. 3 months later it was run through again for over $4k. The original amount was $80.
Now how does someone get ahold of a check once it is in the banks possession if they are not working at the bank or in their system?

 

[fastfish66]

Anyone else having issues?

Last month, I replaced my card as the chip no longer worked and walmart among others didnt accept the swipe. 2 weeks later I had fraudulent activity. 8 transactions from Twitch Entertainment for 19.95 each.

I reported to the bank. And got a new card.
This week, I recieved letters stating my card is compromised. The other letters said no prior fraud/error was found and they were taking the money back from my disputes. I check my history last night and found a new fraudulent charge for $350.

There is more to the story but I'm not happy with United Community Bank. Calling them again...

Two new cards and this mess to deal with... fighting with the bank over the obvious.

Stay the hell out of walmart.

 

[GFB]

No way Id be using a debit card for anything more than an atm visit. Get a cc. Let them handle the fraud when it happens. I recommend American express. Been with them 20 years. Ive never had my card hacked but I did get taken for an item on ebay years ago. They immediately refunded my money and went after the seller who turned out to have a criminal record.

Ive also been with several visas. Every one of them was hacked at one point or another. I dont know what Amex does different but their fraud protection is superior based on my experience.

Amex does seem to do better. They also offer checking accounts that come with a debit card these days. I'd imagine their better security comes with it. I still prefer to use a cc as much as possible.

 

[Psilloh1]

I got clipped for 2 Laptops in Bogata on My Amex gold card. Heres the kicker the declined the first attempt! They then approved it the second time!

No problem with it… They said their bad and deleted charges

 

[spencer60]

I would agree with it being an inside job. I just went through someone washing a check. Now the check was written to an individual that runs a business. She deposited it at Bank of America in Conyers the same day. No possibility of anyone outside the bank touching it as she is the only one to have touched it. 3 months later it was run through again for over $4k. The original amount was $80.
Now how does someone get ahold of a check once it is in the banks possession if they are not working at the bank or in their system?

It used to be that banks would send you all your old cancelled checks every month, but that hasn't been the case for decades now.

I'm guessing the bank probably hires someone to dispose of old checks, so it may be someone at the disposal firm too.

Not sure what kind of checks you use, but mine have a pretty obvious security pattern that would make a washed check fairly obvious. Not that that would stop it from getting through the system.

 

[Jackie Graham]

I spoke to the bank and they are supposed to check for duplicate check numbers but that didn't happen. It still falls on the bank if someone can take a check while it's in their system. Obviously there is a hole in their security process somewhere. I am sure that I am not the only one this is happened to.