A community of 30,000 US Transcriptionist serving Medical Transcription Industry
Debit card fraud take my advice
Posted: May 10, 2013
I knew better from listening to Clark Howard, that it is risky to use debit cards online and in places like gas stations. My checking account got hacked, 1500 dollars worth of charges. I know it was from using the debit card online. I won't know until Monday if the charges actually will go through, they are pending. With a credit card you are covered with identify theft, with a debit card apparently not. Take it from me, don't use your debit card online. The bank says they will "fight the charges" but they are from overseas, Tokoyo and Great Britain. If they did go through I'll probably end up fighting the bank. I also plan to file a police report if the charges went through. They closed the card of course and I will eventually close the account when everything clears and am watching it very closely.
;
couldn't agree more - sm
[ In Reply To ..]I use American Express for all my purchases and if there is fraud, THEY fight your battle for you while taking the charges off your account.
I only ever use a debit card and have done so online - for years with no problems
[ In Reply To ..]I'm sorry you're having the issue you are having. I think it's not the best thing to use such a wide, sweeping generalization that all debit cards are bad online.
Quite frankly, it was not the debit card, it was wherever you were shopping that let the information slip. I do online shopping all the time and have used a debit card for years and have never had problems. I also use my debit card regularly at gas stations, again with no problems. I tend to frequent the same 2 or 3 places for gas. I also make sure that any online site I use has a secure application. I also monitor my bank account regularly to make sure there is no funny business going on.
I do hope you get your issues worked out and that there are no further repercussions for you.
It depends on your bank, apparently - sm
[ In Reply To ..]I have ALWAYS shopped online, but I only shop at places that I know are legitimate businesses and I have never been hacked. But, one time I gave my checking account information to a satellite company to pay my bill, automated check, not debit card, and they somehow fabricated more charges and charged my card a lot of money. They somehow linked me with another account, which wasn't mine and I didn't know the person and they said I owed the money.
When I contacted my bank, they said if I would have used my debit card, they could have stopped the charges, but since I used my checking account basically there was nothing I could do about it. I finally got the company to reverse the charges, but the bank stood firm on not helping. I stopped using the bank as well.
Mine got stolen about 8 years ago, but was from - sm - XXX
[ In Reply To ..]BJs computer system being hacked. This was before I monitored my account online, so did not know for 2 weeks but knew something was wrong as my receipts from the ATM were in the negative. Got my statement a few days later to see $800 in charges I did not make four states away....reported it, closed account, new card issued, new checking account, and all the money returned to us in 24-hours. As long as it is a VISA debit you will get your money back pronto. These people just hit it for about 4 charges....bought a gas, a TV at Walmart and a lot of pet supplies at PetsMart. I hope it being "international" does not make it harder for you to get the money back, but I really don't see why it should, maybe harder for the bank in terms of paperwork but with any luck you will get every penny back along with any bounce charges reversed (all ours were). I also use PayPal as much as I can online too as hopefully a safeguard. But, knock on wood, I use my debit for everything but as a charge, I watch my account closely now and so far so good.
Always at risk - MT
[ In Reply To ..]You are always at risk no matter what. There can be a dishonest person working anywhere you handle financial transactions. For instance, I'd be more worried about writing a check at the grocery store (a check has your account number, name, address, and phone number right on it), than I would be to use my debit card online...though thank you for sharing your experience. It's something people always need to be aware of, but it really can happen anywhere and to anyone.
Twice hacked. Here is what I did s/m - Quasi Modem
[ In Reply To ..]My checking account was hacked into twice when I used my debit card, once from an online purchase and once by using the debit card in a grocery store, and I am extremely careful using the card, but I still got hacked into 2 times. The bank of issue put the money back into my checking account both times, but it took 10 days, and I needed that stolen money for bills that were due.
Here is what I am doing now. First, I stopped using the debit card tied to my checking account. As I make online purchases at times and sometimes use the debit card for in-person shopping, I purchased a prepaid, re-loadable debit card, and I load small amounts of money on it when I am going to purchase on line, and I also keep a small amount of money in it "just in case" I need to use the card for in-person shopping/emergencies.
That way if someone hacks the card I am out only a small amount of money, because the card is not linked to any checking account/saving account/bank account. There is nothing more upsetting than to see one's checking account money wiped out when the money is very needed for bill paying.
Some of those prepaid re-loadable debit cards can be purchased for under under 5 dollars with no fees attached and a reload charge of under 5 dollars also and, while there is that small charge involved, it is worth it to me just for the peace of mind knowing that my checking account cannot be hacked into whenever I need to use a debit card.
Where is a good place to buy one of those - L&L
[ In Reply To ..]reloadable cards? That sounds like a good idea.
Have you ever had any trouble using PayPal?
My roomie uses a pre paid card from Wal Mart - She even has her paycheck deposited onto it
[ In Reply To ..]I think she has a $3 fee for each reload. She's had some financial troubles in the past and some banks won't take you if you have less than stellar credit, so this works quite well for her.
I had a fraud on my card. - annie
[ In Reply To ..]My fiance's SIL got my debit card and bank account folder when I was staying with the in-laws and ordered a bunch of diet patches. She put the card back exactly where it was in my purse and the folder back into my locked desk drawer exactly where I had it. I didn't find out until a month later when the free trial she ordered was up and was charged over $100 for diet patches. I am underweight, so I noticed immediately when I saw "diet" on my bank statement. After the whole mess with the bank she finally admitted that she had stolen my information because she was mad that I never watched her kids without charging her when she wanted to go out shopping by herself during the time I had to work, mind you. I didn't have any problems with the bank closing the card and issuing another. I now have a better place for my bank-related information and don't live anywhere near that crazy woman. I have never had any trouble shopping online before that incident and none since then. The bank manager is local, not overseas. I talked to him as soon as I saw the charge and had all my information changed that same day.
Debit card fraud - ew
[ In Reply To ..]Our bank always makes good for it.
Similar Messages:
Debit Card Charges?Oct 05, 2011
There has been a lot on the news about banks starting to charge a monthly fee to use a debit card unless you carry a very large balance. Will you voice your disapproval and move your accounts to another bank if your bank starts charging? I think that bank boycotts could be very effective. I believe we should all support local small businesses, farmers' markets, buy made in America whenever possible, and avoid shopping at big chain stores and online mega websites. Keep you ...
So Nervous About Target Debit CardApr 05, 2013
I was shopping at Target recently and a clerk told me about the Target debit card where you automatically get 5% off on purchases. I jumped on it, filled out an application, and now I'm a serious nervous wreck when I think about all the information I gave up, which was everything - name, address, phone number, social security number, driver's license and bank account number. What an idiot! I regret it a thousand times over now. I'm so paranoid about identify theft, I can' ...
New Rules Would Restrict Overdraft Fees On Debit CardsNov 14, 2009
So...they will get consumers to sign a waiver before issuing the card so they can get those charges, no?By STEPHEN LABATONPublished: November 12, 2009 WASHINGTON — The Federal Reserve announced new rules on Thursday that would prohibit banks and other issuers of debit cards from charging consumers overdraft fees in many instances without the permission of the cardholder.The rules, which take effect next summer, come as Congress has been considering whether to impose similar restraints, as ...
Card(s)Jan 04, 2012
...
Ask The Card-carrying Apr 16, 2010
Ask the card-carrying socialists: Is Obama one of them? By John Blake, CNN // // -1) {document.write('April 15, 2010 -- Updated 2227 GMT (0627 HKT)');} else {document.write('April 15, 2010 6:27 p.m. EDT');} // ]]> April 15, 2010 6:27 p.m. EDT STORY HIGHLIGHTS Obama has been called a socialist but what do actual socialists say? Socialist leader: Obama isn't even a liberal Socialists say many Americans already accept socialism Tea Party membe ...
Credit Card OfferFeb 01, 2011
I need some advice from my MT friends. My apologies in advance if you think this post is too long to read. My thanks to those who stick through it!! Some background: My parents are elderly and. about 5 years ago, they moved into a retirement community. I bought the house and have been here since that time. Needless to say, the mail forwarding has since stopped for quite some time. This afternoon, I got an offer in the mail for a CitiBank credit card, but it w ...
Liberals Using Race CardMay 01, 2010
"The liberals that are making false accusations about Tea Partiers must stop!! This is dirty, outrageous, and wrong!! The Democrats and liberals in the media have consistently entered into a smear campaign of tactics consisting of false accusations, hateful rhetoric, and incendiary comments. One particular brand of false accusations that comes to my mind is how the liberals recently have been making charges that Tea Partiers are racists without having one iota of proof to back up their claims. ...
Credit Card TelemarketingMay 07, 2010
I have a Visa card through Bank of America and am receiving many calls with constant offers, etc. which would of course come with a monthly fee. Last night again I received a call stating I am eligible for a $500 to $3,000 award from BOA. They wanted my date of birth to send out information which I could refuse in 30 days if I called the number that would be listed. Has anyone ever heard of this before? I gave no information whatsoever and told the woman three times I am ...
Occupy Report CardMay 03, 2012
This is funny! http://www.breitbart.com/Big-Government/2012/05/02/occupy-may-day-report-card Occupy May Day Report Card: FAIL by Lee Stranahan 1 day ago Well, Occupy’s big May Day demonstration has come and gone. How did they do? Here’s my take; please add your own in comments. Attendance : D+ For an event literally months in the making, the crowd turnout was weak coast to coast. I’m being a fair standard here; compared to other Occupy events from last fall, the nu ...
Excessive Credit Card Fee'sJan 23, 2015
I am going to be calling my credit card (used to be Care Credit, now is Synchrony bank). I am just wondering what y'all think. Excessive credit card interest charges. I get my statements, pay my bills, a couple times late if I don't get paid on time. No where in the statement did I see anything that would lead me to realize they were going to charge me this, and I didn't realize they did it for 2 months (my fault for not reading the statement closer) My payment ...
WI Fraud?Feb 08, 2012
Sounds to me like the commiecrats have their claws in pretty deep throughout this process. Just sayin'. GAB Decides to Ignore All Independently-Provided Evidence of Recall Petition Fraud MacIver News Service | February 7, 2012 [Madison, Wisc...] Citizens not affiliated with either the recall organizations or the office holders targeted for recall this spring have found scores of problems with the petitions, but Wisconsin’s elections watchdogs have decided they will ...
Credit Card Reform May Shock SomeFeb 22, 2010
Eileen Aj Connelly, AP Personal Finance Writer, On Sunday February 21, 2010, 2:29 pm EST NEW YORK (AP) -- Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you'll know that if you pay the minimum on a $3,000 balance with a 14 percent interest rate, it could take you 10 years to pay off. "Jaws will drop," said David Robertson, publisher of The Nilson Report, a newslet ...
Voter FraudSep 12, 2016
I suppose there will still be the nonbelievers even after reading this, especially because it comes from Fox. Well, deal with it. It's the truth. ...
Voter FraudAug 14, 2016
Myth of Voter Fraud It is important to protect the integrity of our elections. But we must be careful not to undermine free and fair access to the ballot in the name of preventing voter fraud. The Brennan Center’s ongoing examination of voter fraud claims reveal that voter fraud is very rare, voter impersonation is nearly non-existent, and much of the problems associated with alleged fraud in elections relates to unintentional mistakes by voters or election administra ...
A Liar And A Fraud. (sm)Nov 12, 2012
Funny that Obama went west yelling about how clean and awesome natural gas is, only to have his Department of Interior minister declare over 2 million acres off limits to natural gas exploration after his reelection. Now all those people who voted for him, thinking he was going to allow natural gas exploration and the jobs that went with it are stuck. Much like those in Ohio who voted Obama because they were screaming that Romney would stop their benefits awoke today to find their fo ...
Another Take On Voter Fraud.May 12, 2013
The Republican Party of Florida’s top recipient of 2012 expenditures, a firm by the name of Strategic Allied Consulting, was just fired on Tuesday night, after more than 100 apparently fraudulent voter registration forms were discovered to have been turned in by the group to the Palm Beach County, FL Supervisor of Elections. The firm appears to be another shell company of Nathan Sproul, a longtime, notorious Republican operative, hired year after year by GOP Presidential campaigns, despit ...
Disability FraudJun 05, 2013
Does anyone know how to report or prove disability fraud? I have someone who is receiving full disability benefits but is working under the table and playing sports all the while being "too disabled" to work. So many people can't get the disability they truly need and this is so unfair. TIA ...
Voter Fraud?Oct 23, 2014
Ineligible DACA beneficiaries discovered on North Carolina voting rolls, 10/22/2014: With the North Carolina U.S. Senate race in a dead heta, state election officials say they have discovered 145 names on the voting rolls who are ineligible to vote because they are illegal immigrants who have been granted President Obama’s Deferred Action for Childhood Arrivals status. “We want to know how such a large number of non-U.S. citizens were ever registered to vote in the fir ...
Jon Stewart Takes On Credit Card CompaniesMar 01, 2010
http://tv.gawker.com/5478876/jon-stewart-sums-up-everything-that-is-wrong-with-america-in-under-four-minutes ...
America Live Video With Former COS Andrew CardOct 16, 2012
on Security and who should have known all. He worked under 3 Presidents so he should know how everything works. His interview starts at the 1 minute mark. http://www.foxnews.com/on-air/america-live/index.html ...
NYC Creates Id Card So 500K Illegal ImmigrantsJul 14, 2014
New York City Mayor Bill de Blasio signed into law a measure that creates a municipal identification card that can now be used by illegal immigrants to access government services, rent an apartment and open a bank account. “Today we’re living up to our highest ideals, and today we’re saying that no one should be left out,” said City Council Speaker Melissa Mark-Viverito, calling the signing of the bill into law an “historic” moment, the New York Daily News reported. Ms. Mark-Vive ...
ACORN - Election Fraud...Nov 26, 2010
See article. ...
Update On Welfare FraudOct 12, 2011
Well, after a lot of thought and discussion, we turned our information over to the appropriate authority. It came down to family. Our family. What we can live with knowing and what we can't. What kind of an example we want to set for our children. While we have no plans to disclose this to our children now, maybe some day when they're older, we will use it to teach them a lesson about actions and consequences. It also made us realize that maybe ...
Report Mom For Welfare Fraud?Oct 10, 2011
My husband's mother has received welfare on and off throughout her life. She has always found a way to milk the system or somone. About a year ago, she found out she was the heir to some mineral rights, which yields her about $7000 a month. When she first started receiving this inheritance, she cashed her checks and deposited them into her account. At that time, she was living in a low-income apartment, receiving medicaid, food stamps, fuel assistance, free cell ...
Medicare Fraud TeamJul 18, 2010
I find it funny that O's team is taking credit for this when it was really started when GWB was president. Sorry, O lovers, but it takes time to gather evidence and we all know how much time it takes to gather evidence and dot all the i's and cross all the t's. Medicare Fraud Strike Force Charges 94 Doctors, Health Care Company Owners, Executives, and Others for More Than $251 Million in Alleged False BillingEarly Morning Takedown Leads to Arrests, Charges, and Execution ...
No, It Can't Be True! GOP Voter Fraud? SmSep 30, 2012
Florida officials are now confirming suspicious and possibly fraudulent voter registration forms in at least ten counties in the state. Then there is the video of the girl in Colorado who was registering republican voters and passing over the democrats. ...
The Voter Fraud That ‘Never Happens’ Feb 08, 2013
Critics of voter ID and other laws cracking down on voter fraud claim they’re unnecessary because fraud is nonexistent. For instance, Brennan Center attorneys Michael Waldman and Justin Levitt claimed last year: “A person casting two votes risks jail time and a fine for minimal gain. Proven voter fraud, statistically, happens about as often as death by lightning strike.” Well, lightning is suddenly all over Cincinnati, Ohio. The Hamilton County Board of Elections is investigating 19 po ...
Al Sharpton Is A Huge Fraud. (sm)Oct 13, 2014
You can't even call him Reverend with a straight face. He is a criminal, plain and simple. Link ...
Tsk, Tsk, Voter Fraud ExistsOct 29, 2016
Case in point: Police in Des Moines, Iowa, said Friday that they had arrested Terri Lynn Rote, 55, on suspicion of voting twice in the general election. Rote, a registered Republican, allegedly submitted ballots at two different early-voting locations in Polk County, Iowa, according to local media reports. She has been charged with first-degree election misconduct, a felony. ...
Jeb Bush And InnoVida FraudJun 17, 2015
looks like more fraud involving Haiti. He is in it thick with his corporate boards and ties to businesses. More Bush big business. ...