Has this happened to you?

res3567 · 11-20-2009, 08:17 PM

Someone managed to get a hold of my debit card info and withdrew $1000 over two days this week.

Has anyone had this happen?

Rupert · 11-20-2009, 08:26 PM

No, but I am very careful with my plastic. It never leaves my sight, is never taken from me at a restaurant for processing at their machine unless I am standing right there, and you would have to kill me to get my PIN numbers, and you still wouldn't get them.
Regards!

geauxpez · 11-20-2009, 08:43 PM

Originally posted by res3567

Someone managed to get a hold of my debit card info and withdrew $1000 over two days this week.

Has anyone had this happen?

Yes...twice...within 2 weeks right around Christmas time 3 or so years ago. Our bank got really suspicious that maybe we were doing it the second time it happened.

We no longer use debit cards EVER! Now we charge EVERYTHING on an REI Visa card and pay it off every month...then at the beginning of the following year we get a nice dividend for gear.

Ratmagiclady · 11-20-2009, 08:44 PM

Erf. No. But I haven't had a thousand dollars in the same place in a very long time.

res3567 · 11-20-2009, 08:51 PM

Originally posted by geauxpez

Yes...twice...within 2 weeks right around Christmas time 3 or so years ago. Our bank got really suspicious that maybe we were doing it the second time it happened.

We no longer use debit cards EVER! Now we charge EVERYTHING on an REI Visa card and pay it off every month...then at the beginning of the following year we get a nice dividend for gear.

Please! What was the out come?? (I am sooo pisssed rite now!!!!!............)

areidjr · 11-20-2009, 08:52 PM

I did have my identity stolen along with my bank account information. The perp went to a branch of my bank in another city and tried to make a withdrawal. The clerk became suspicious when she asked for ID and he gave her a driver's license with my info and his picture. The person looked significantly older than the birth date would indicate. While stalling the perp, the clerk called my home and spoke to my daughter and asked if I was out of town. Of course, I wasn't. The authorities were contacted and he is now in jail.

Bottom line is that I got lucky and lost nothing.

I hope you can recover your money.

res3567 · 11-20-2009, 08:58 PM

Originally posted by areidjr

I did have my identity stolen along with my bank account information. The perp went to a branch of my bank in another city and tried to make a withdrawal. The clerk became suspicious when she asked for ID and he gave her a driver's license with my info and his picture. The person looked significantly older than the birth date would indicate. While stalling the perp, the clerk called my home and spoke to my daughter and asked if I was out of town. Of course, I wasn't. The authorities were contacted and he is now in jail.

Bottom line is that I got lucky and lost nothing.

I hope you can recover your money.

Goodness! At least yours was better than mine. I see this crap all the freggin time like on bank ads etc. I always say this happens to the other guy...... But now it happened to ME!!!!!!

Ari · 11-20-2009, 09:49 PM

I was on a plane to Arizona - some kids, with just my NUMBER, not my actual card,bought cartons of cigarettes, a 1000 dollar grill and a few meals (all while I was on a plane - a 5 hour flight!!!!) in 2 states on my debit card. I couldn't even pay for a cab to the hotel. I called the home depot and asked them how they bought a 1000 dollar grill with just a number. He said it was ok with him if two teenagers came in to buy a grill with a handwritten card number. Yikes.......I had my tickets. It took about a week for the bank to sort it out, but I got every penny back.

mickeyobe · 11-20-2009, 10:01 PM

I wasn't aware of any problem until the bank stopped transactions on my card.
They told me my card had been "compromised" to the tune of several thousand dollars.
The bank assumed the loss and promptly issued me a new card.
I still don't understand how it was "compromised". The bank told me of several ways it could have been.
I got the sense that every person has a spending pattern and when there is a deviation from that pattern something or someone sounds an alert.
I understand the perpetrator was caught.
I have since put a $1000.00 limit on my card. Me spend $1000.00 at one time. Ha!

Mickey

graphicgr8s · 11-20-2009, 10:03 PM

Originally posted by Ari

I was on a plane to Arizona - some kids, with just my NUMBER, not my actual card,bought cartons of cigarettes, a 1000 dollar grill and a few meals (all while I was on a plane - a 5 hour flight!!!!) in 2 states on my debit card. I couldn't even pay for a cab to the hotel. I called the home depot and asked them how they bought a 1000 dollar grill with just a number. He said it was ok with him if two teenagers came in to buy a grill with a handwritten card number. Yikes.......I had my tickets. It took about a week for the bank to sort it out, but I got every penny back.

I hope they fired his sorry a$$.

flyer · 11-21-2009, 05:34 AM

Originally posted by Ratmagiclady

Erf. No. But I haven't had a thousand dollars in the same place in a very long time.

Even though you don't have a $1000.00 in your account, if someone clones your card, they just put a piece of paper in an envelope and make a "deposit" in an ATM, and then they withdraw it. And your screwed. Always be very careful with your debit card.

Rupert · 11-21-2009, 02:10 PM

Originally posted by Ratmagiclady

Erf. No. But I haven't had a thousand dollars in the same place in a very long time.

Ratlady, this is one of those perks in life that you may not have even noticed. While identities are being stolen left and right, it would be a stretch to imagine someone trying to steal your identity. I can just imagine someone trying to cash a check and identifying themselves as the Ratlady.......not likely they would have much success is there? Now I can see them picking old Al, or some of the others but a Ratlady or a Rupert are just not your prime targets.

Regards!

SteveM · 11-21-2009, 02:28 PM

Yes...when I lived in the States. Unlike in Canada, the debit cards there could be used without a PIN. I seem to remember that the debit system was run by Visa...you could sign and have direct access to the cash in the bank account. Anyways, someone emptied my bank account buying jewelry. Apparently they didn't have my card but just gave the card number and scribbled something that wasn't my signature. Luckily I was back on the west coast visiting family, so it was easy to prove that I was not the one making the purchases and I was covered.
Replacement cards being issued here this year have imbedded chips that the ATM reads....not just the information written to the strip. So far they are "apparently" impossible to clone.

flyer · 11-21-2009, 04:33 PM

Originally posted by smc

So far they are "apparently" impossible to clone.

Some people in Canada managed to clone those cards without even seeing the card. They managed to make a portable scanner that was able to retrieve the information on the card while the card was still in your pocket as long as they could get to within a few feet. There goes the safety of the embedded microchip!

SteveM · 11-21-2009, 05:09 PM

Originally posted by flyer

Some people in Canada managed to clone those cards without even seeing the card. They managed to make a portable scanner that was able to retrieve the information on the card while the card was still in your pocket as long as they could get to within a few feet. There goes the safety of the embedded microchip!

I know you can do that with the chip inside the black strip, but the second microchips can't be modified to use a different PIN and the PIN information is not stored within the chip....new ATMs are needed and most customers won't start to get them until 2010. Are we talking the same thing? That would suck if that's the case...

11-20-2009, 08:17 PM	#1
res3567 Veteran Member Join Date: Sep 2008 Location: Houston Tx. Photos: Gallery Posts: 1,876	Has this happened to you? Someone managed to get a hold of my debit card info and withdrew $1000 over two days this week. Has anyone had this happen?

11-20-2009, 10:01 PM	#9
mickeyobe Veteran Member Join Date: Dec 2006 Location: Toronto, Ontario, Canada Posts: 1,759	I wasn't aware of any problem until the bank stopped transactions on my card. They told me my card had been "compromised" to the tune of several thousand dollars. The bank assumed the loss and promptly issued me a new card. I still don't understand how it was "compromised". The bank told me of several ways it could have been. I got the sense that every person has a spending pattern and when there is a deviation from that pattern something or someone sounds an alert. I understand the perpetrator was caught. I have since put a $1000.00 limit on my card. Me spend $1000.00 at one time. Ha! Mickey Last edited by mickeyobe; 11-20-2009 at 10:06 PM.

11-21-2009, 02:10 PM	#12
Rupert Veteran Member Join Date: Sep 2006 Location: Texas Photos: Gallery \| Albums Posts: 25,123	One of the perks in life! Originally posted by Ratmagiclady Erf. No. But I haven't had a thousand dollars in the same place in a very long time. Ratlady, this is one of those perks in life that you may not have even noticed. While identities are being stolen left and right, it would be a stretch to imagine someone trying to steal your identity. I can just imagine someone trying to cash a check and identifying themselves as the Ratlady.......not likely they would have much success is there? Now I can see them picking old Al, or some of the others but a Ratlady or a Rupert are just not your prime targets. Regards!

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11-20-2009, 08:26 PM	#2
Rupert Veteran Member Join Date: Sep 2006 Location: Texas Photos: Gallery \| Albums Posts: 25,123	No, but I am very careful with my plastic. It never leaves my sight, is never taken from me at a restaurant for processing at their machine unless I am standing right there, and you would have to kill me to get my PIN numbers, and you still wouldn't get them. Regards!

11-20-2009, 08:43 PM	#3
geauxpez Veteran Member Join Date: Jul 2008 Location: Atlanta Photos: Gallery Posts: 1,196	Originally posted by res3567 Someone managed to get a hold of my debit card info and withdrew $1000 over two days this week. Has anyone had this happen? Yes...twice...within 2 weeks right around Christmas time 3 or so years ago. Our bank got really suspicious that maybe we were doing it the second time it happened. We no longer use debit cards EVER! Now we charge EVERYTHING on an REI Visa card and pay it off every month...then at the beginning of the following year we get a nice dividend for gear.

11-20-2009, 08:44 PM	#4
Ratmagiclady Veteran Member Join Date: Nov 2008 Location: GA Photos: Gallery \| Albums Posts: 13,563	Erf. No. But I haven't had a thousand dollars in the same place in a very long time.

11-20-2009, 08:51 PM	#5
res3567 Veteran Member Join Date: Sep 2008 Location: Houston Tx. Photos: Gallery Posts: 1,876 Original Poster	Originally posted by geauxpez Yes...twice...within 2 weeks right around Christmas time 3 or so years ago. Our bank got really suspicious that maybe we were doing it the second time it happened. We no longer use debit cards EVER! Now we charge EVERYTHING on an REI Visa card and pay it off every month...then at the beginning of the following year we get a nice dividend for gear. Please! What was the out come?? (I am sooo pisssed rite now!!!!!............)

11-20-2009, 08:52 PM	#6
areidjr Veteran Member Join Date: Sep 2007 Location: Pittsburgh, Pa, USA Photos: Gallery Posts: 529	I did have my identity stolen along with my bank account information. The perp went to a branch of my bank in another city and tried to make a withdrawal. The clerk became suspicious when she asked for ID and he gave her a driver's license with my info and his picture. The person looked significantly older than the birth date would indicate. While stalling the perp, the clerk called my home and spoke to my daughter and asked if I was out of town. Of course, I wasn't. The authorities were contacted and he is now in jail. Bottom line is that I got lucky and lost nothing. I hope you can recover your money.

11-20-2009, 08:58 PM	#7
res3567 Veteran Member Join Date: Sep 2008 Location: Houston Tx. Photos: Gallery Posts: 1,876 Original Poster	Originally posted by areidjr I did have my identity stolen along with my bank account information. The perp went to a branch of my bank in another city and tried to make a withdrawal. The clerk became suspicious when she asked for ID and he gave her a driver's license with my info and his picture. The person looked significantly older than the birth date would indicate. While stalling the perp, the clerk called my home and spoke to my daughter and asked if I was out of town. Of course, I wasn't. The authorities were contacted and he is now in jail. Bottom line is that I got lucky and lost nothing. I hope you can recover your money. Goodness! At least yours was better than mine. I see this crap all the freggin time like on bank ads etc. I always say this happens to the other guy...... But now it happened to ME!!!!!!

11-20-2009, 09:49 PM	#8
Ari Veteran Member Join Date: Feb 2007 Location: Freehold, NJ Photos: Gallery \| Albums Posts: 856	I was on a plane to Arizona - some kids, with just my NUMBER, not my actual card,bought cartons of cigarettes, a 1000 dollar grill and a few meals (all while I was on a plane - a 5 hour flight!!!!) in 2 states on my debit card. I couldn't even pay for a cab to the hotel. I called the home depot and asked them how they bought a 1000 dollar grill with just a number. He said it was ok with him if two teenagers came in to buy a grill with a handwritten card number. Yikes.......I had my tickets. It took about a week for the bank to sort it out, but I got every penny back.

11-20-2009, 10:03 PM	#10
graphicgr8s Guest	Originally posted by Ari I was on a plane to Arizona - some kids, with just my NUMBER, not my actual card,bought cartons of cigarettes, a 1000 dollar grill and a few meals (all while I was on a plane - a 5 hour flight!!!!) in 2 states on my debit card. I couldn't even pay for a cab to the hotel. I called the home depot and asked them how they bought a 1000 dollar grill with just a number. He said it was ok with him if two teenagers came in to buy a grill with a handwritten card number. Yikes.......I had my tickets. It took about a week for the bank to sort it out, but I got every penny back. I hope they fired his sorry a$$.

11-21-2009, 05:34 AM	#11
flyer Veteran Member Join Date: Jan 2008 Location: Ste-Anne des Plaines, Qc., Canada Posts: 2,013	Originally posted by Ratmagiclady Erf. No. But I haven't had a thousand dollars in the same place in a very long time. Even though you don't have a $1000.00 in your account, if someone clones your card, they just put a piece of paper in an envelope and make a "deposit" in an ATM, and then they withdraw it. And your screwed. Always be very careful with your debit card.

11-21-2009, 02:28 PM	#13
SteveM Veteran Member Join Date: Jan 2009 Location: Vancouver Island, BC, Canada Photos: Gallery Posts: 3,294	Yes...when I lived in the States. Unlike in Canada, the debit cards there could be used without a PIN. I seem to remember that the debit system was run by Visa...you could sign and have direct access to the cash in the bank account. Anyways, someone emptied my bank account buying jewelry. Apparently they didn't have my card but just gave the card number and scribbled something that wasn't my signature. Luckily I was back on the west coast visiting family, so it was easy to prove that I was not the one making the purchases and I was covered. Replacement cards being issued here this year have imbedded chips that the ATM reads....not just the information written to the strip. So far they are "apparently" impossible to clone.

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11-21-2009, 04:33 PM	#14
flyer Veteran Member Join Date: Jan 2008 Location: Ste-Anne des Plaines, Qc., Canada Posts: 2,013	Originally posted by smc So far they are "apparently" impossible to clone. Some people in Canada managed to clone those cards without even seeing the card. They managed to make a portable scanner that was able to retrieve the information on the card while the card was still in your pocket as long as they could get to within a few feet. There goes the safety of the embedded microchip!

11-21-2009, 05:09 PM	#15
SteveM Veteran Member Join Date: Jan 2009 Location: Vancouver Island, BC, Canada Photos: Gallery Posts: 3,294	Originally posted by flyer Some people in Canada managed to clone those cards without even seeing the card. They managed to make a portable scanner that was able to retrieve the information on the card while the card was still in your pocket as long as they could get to within a few feet. There goes the safety of the embedded microchip! I know you can do that with the chip inside the black strip, but the second microchips can't be modified to use a different PIN and the PIN information is not stored within the chip....new ATMs are needed and most customers won't start to get them until 2010. Are we talking the same thing? That would suck if that's the case...