Need to Rant..

[FormerMarine1981]

So I was contacted on Tuesday by my bank. A detective called them and told me he recovered my card. I call the detective and he said he has not recovered my card but asked that I check my bank account for fraudulent charges. I check and sure enough there are pending charges to my account that I did not make. So he asked that I call him back after I speak to my bank to give me any information on where the charges were made and what time. He believes someone made a copy of my debit card because I still have mine in my pocket. I go into my bank yesterday and all but one of the charges are Pending. Which means the money is Still in my account but is being held by the company where the purchases were made. I dispute the charge that I am able to and they cancel my debit card and shred it. Turns out it will take 10 + days for them to put My money back into My Account! So I am going through my account this morning and I see Another charge that was made after I had canceled my card!! I know It could be worse, and I am thankful that it's not but still...

[71highboy]

i hope they catch the lowlife that did that to you and right around christmas. losers

[ford4x4fun]

That crap pisses me off... If these A-Holes spent as much time actually being productive as they did trying to take stuff, they would probably be productive citizens!

[jzjames]

There's alot of punk theives in this country. Sometimes it seems we almost facilitate it with the lack of prosecution and punishment...
That debit card ripoff happened to my friend, and somehow the charges werent actually paid but stayed pending, & it took 10 days to get issued a new card, etc. blah blah.

[fordman]

well atleast you will get your money back. although it is a bad tiem of year to have this happen. or happen at all. there are easier ways to steal something than that though.

[1967AceStroker]

I know how you feel, that sucks so bad. I've never been so angry at a person I didn't even know. Hope it they can get it straightened out quick for you.

I went through that crap around the beginning of this year. I checked all my transactions online about once a week, so I know how much money I had. So one day I put all of my truck parts extra cash stash into that account, so I could use the debit card to order parts online from summit, lmc. So here I am, all in with my chips. I bought all my parts knowing(so I thought) that I still would have a good amount of money left in my account. Check my account online, I expect to see like around +$1000, and I see a good -$600. I see on the transaction list a lot of crap I know for a fact I didn't charge. So I disputed those charges, they canceled my card. Meanwhile I was getting like a $60 charge for being negative about every 2 days. By the time it got sorted out I was -$1000. But it was all returned to normal after they investigated and confirmed I didn't cause the whole negative amount fiasco. It took about 2 weeks to get straight... a long 2 weeks at that. I know check my stuff online daily to catch stuff like that early.

Could be worse. Had a friend get $30,000 stolen from his account. The bank got it straightened out though. Somebody bought a new car on his dime!

[Mancar1]

That happened to our youngest daughter. She got her $$$ back, but like ya say they froze everything until the investigation concluded. It sucks and I really feel for you. Had my car stolen several years back, and I had to pay to get it out of impound.
I have no use for a rat-thief-ba---- d, that is to darn lazy to work. So they steal from honest hard working folk. Hang in there, all will work out.

[Caseys71]

Sorry to hear about that marine. It's a crying shame that people will stoop to that level to mess with someone else's hard earned money . As a matter of fact last year my mom had a similar thing happen to her. She was at the gas station getting gas and had to go in the store to pay on her debit card, she paid for it and everything and had to take her license out and show it to the clerk and all, turns out the clerk only gave her back her license when my mom had thought she got her card back as well. Later on that day we had went to the grocery store and she reached in her pocket book for her debit card and it wasn't there good thing she had cash on her. Anyways that night she called our bank to cancel the card to find out that the store clerk had already charged around $6-700 worth of stuff on it between Sams Club, Walmart and I think Hardees . The bank investigated it and caught the gas-station clerk on tape taking my mom's card, but couldn't do anything other than put the money back in our account since it was less than $1000 .

[basketcase0302]

This close to Christmas too, sorry to hear about it.
It seems all the slime is crawling out from under the rocks, I got a call earlier (800 number) before i can even say hello she's asking me to confirm my social and billing address!
Be real cautious this time of the year everyone!

[rjewkes]

They got mom and dad each on seperate accounts in the same year. and they got me once last year. now i only use it at pos(the counter at food places and gas stations and walmsrt check outs)places.

[knightfire83]

Be cautious for all the people with cell phone cameras around. When you take your card out of your wallet to swipe it in the machine, thieves can take a picture or video of your card number while it's in your hand. Most people don't think about that, keep your numbers covered with your fingers.

[NM5K]

That happened to me about two months ago. It's called debit card skimming.
In my case, the bank's anti fraud software flagged four purchases as flaky,
and it sent me an email. I think they also froze the account until I verified if
they were good or not.
They were all bad charges and I called and had that card canceled. At the same
time, I called the sheriffs dept for that county, "it was north of Houston" and
filed a police report on the phone.
I went to the bank the next day and ordered a new card, etc, etc.. Also paid
all my bills from the bank, as this just happened to happen right at bill paying
time.
Anyway, all I had to do was actually call the company to make an "official"
report, and they credited my account just a short time later that day.
They sent the new card with fast shipping, and I had it 2-3 days after it
happened.
So in my case, a PIA, but it all ended up fairly painless. VISA and MC both
cover fraud charges as long as you report them fast enough. They prefer you
do it within two days. I think after 30 days, if you still haven't reported them
you can get stuck with the charges in some cases. So it's a good idea to
keep an eye on bank accounts fairly regular.
After this happened, I set my account up for account reporting. I get an
e-mail for *any* transaction over $1. I set it that low so almost any charge
will be flagged. Some of these people will do a test purchase with a low
amount just to see if the card seems to be "good". If it works, then they
go to town with it.
So every bank transaction on my account, I get an e-mail almost instantly.
That way if the anti fraud software lets something slip through, I'll see it
anyway. I'm still not sure how they got my card.. It can either be crooks
working at the stores, or you used it at a "rigged" machine with a 2nd
reader on it. But I know they didn't have my PIN number.. But with VISA,
you don't need a PIN. It can be used for signature purchases also just
like a regular credit card. So I'm fairly sure they didn't get my PIN, and
thus was probably no camera watching me punch a PIN..
Anyway, I wouldn't worry too much. You'll get your money back.
This is real common lately.. BTW, I believe on a signature purchase, if
it ends up being fraud, the store gets stuck having to pay for it.
The banks like the sig purchases cuz they get more money for them from
VISA, MC.. :/