OT: My wife's debit card was compromised

[AmpliFIRE]

Out of the blue today, we received some coffee subscription and a box of blank business cards. We checked our on-line bank statement and found 3 or 4 erroneous charges of about $15-$20 each. They canceled her debit card and credited these charges back to our account. Why would someone steal your information, and then have several small items delivered to your house??? Is someone just trying to show-off or are the fucking with us?

I don't get it

 

[badger71]

Too bad it wasn't some effects pedals and pics....damn, debit card theives.

 

[loudgtr]

No Idea

My father-in-law's debit card has been comprised twice. Both times he went to use it and was told that it was cancelled...much to his surprise obviously.

The bank told him both times that a location that he had recently used the card was suspected of some type of debit card fraud and they just cancelled a bunch of their customers cards that were used at this location, just o be safe. Some gas station is what he thought it was

Gave him a new card and # and he was good to go each time.

good luck.

 

[skoora]

Too bad it wasn't some effects pedals and pics....damn, debit card theives.

I wanna steal your avatar......

 

[yngzaklynch]

Man that sucks bad. I better check my statements out.

 

[vultures]

Man that sucks bad. I better check my statements out.

I had the same idea

 

[Gainfreak]

Man that's strange. WTF?

 

[D-Rock]

How did they get the pin # ?

 

[kannibul]

How did they get the pin # ?

Most debit cards these days are check-cards, or secured-credit cards.

Mine are, and mine got nailed with an AOL bill a few years back. That was laughable, and I immediately shut down the card, and moved shit out of that bank account into a new one.

Recently, just a week ago, same thing - ebay notified me that my ebay account had been cracked and assured me the card is safe, etc. (it wasn't a scam email, I had to re-reset my password and everything) - anyhow, I've gone through the process of flipping all my accounts over again...

This time, I'm doing it a bit "better"

1 account for deposits and electronic auto-debits, checks for bills only.
1 account for anything that involves using the check card. Online transactions, groceries, gas, eating out, etc.
1 account for "fun money" and savings. This is used as my "don't use credit cards for toys" account.

When I start selling stuff on ebay again, I'll create a 4th account to associate with paypal/ebay if I go that route.

Ideally, I was going to have one account solely for income, and another for electronic bills, and another for check-card use, and the last for fun...but since I don't directly pay the bills, I got a few glares from the lady of the house that does. Once we get used to this, I'll probably do that anyway...

The other thing I'm thinking is changing all the bills to withdraw on the same day, then schedule a transfer to cover the amount plus say 5% to the account they'd be withdrawn from....

Anyhow, it's all about protecting the "gold"...

 

[AmpliFIRE]

How did they get the pin # ?

you don't need the pin to shop online or over the phone...

 

[donkers]

haha this is going to sound bad but as an april fools joke i did that to my dad. he actually called me and asked what he should do because he thinks someone stole his credit card information.

 

[Sam Laming]

I draw cash out from the banks every so often then just do everything in cash, I don't trust cards and more evidently it seems with good reason...

 

[D-Rock]

How did they get the pin # ?

you don't need the pin to shop online or over the phone...

We've had debit cards here in Canada for like 20 years. But they are different. They aren't like credit or cheque cards. They have to be used in person, and you enter a pin # to make a purchase or withdraw money from a ATM. Then the money comes out of your bank account.
Our debit cards can't be used online or over the phone. It's actually a lot less likely to be compromised that way.
If a credit card gets used and it's not authorized, then the credit card company deals with it and the charges get reversed or the card gets canceled. That's better than someone potentionaly emptying your personal bank account.

 

[AmpliFIRE]

How did they get the pin # ?

you don't need the pin to shop online or over the phone...

We've had debit cards here in Canada for like 20 years. But they are different. They aren't like credit or cheque cards. They have to be used in person, and you enter a pin # to make a purchase or withdraw money from a ATM. Then the money comes out of your bank account.
Our debit cards can't be used online or over the phone. It's actually a lot less likely to be compromised that way.
If a credit card gets used and it's not authorized, then the credit card company deals with it and the charges get reversed or the card gets canceled. That's better than someone potentionaly emptying your personal bank account.

I'm guessing that bought something from an on-line secure that didn't have a secure site. All cards have a 3 digit security code on the back. You have to enter this information when buying anything. The hacker must have stumbled on her info that way...

 

[mysticaxe]

How did they get the pin # ?

you don't need the pin to shop online or over the phone...

We've had debit cards here in Canada for like 20 years. But they are different. They aren't like credit or cheque cards. They have to be used in person, and you enter a pin # to make a purchase or withdraw money from a ATM. Then the money comes out of your bank account.
Our debit cards can't be used online or over the phone. It's actually a lot less likely to be compromised that way.
If a credit card gets used and it's not authorized, then the credit card company deals with it and the charges get reversed or the card gets canceled. That's better than someone potentionaly emptying your personal bank account.

I only use my debit card in person (and rarely at that). I have a single credit card that is the workhorse of my house finances. Gets paid off every month, and keeps my actual money safe in the event someone figures out the number.

 

[kannibul]

How did they get the pin # ?

you don't need the pin to shop online or over the phone...

We've had debit cards here in Canada for like 20 years. But they are different. They aren't like credit or cheque cards. They have to be used in person, and you enter a pin # to make a purchase or withdraw money from a ATM. Then the money comes out of your bank account.
Our debit cards can't be used online or over the phone. It's actually a lot less likely to be compromised that way.
If a credit card gets used and it's not authorized, then the credit card company deals with it and the charges get reversed or the card gets canceled. That's better than someone potentionaly emptying your personal bank account.

That's how things used to work...AFIK...

Now it seems only credit card companies will do that, and even then it's a hassle. Banks (at least the ones Iv'e used) claim no responsibility for unauthorized transactions.

 

[kannibul]

I'm guessing that bought something from an on-line secure that didn't have a secure site. All cards have a 3 digit security code on the back. You have to enter this information when buying anything. The hacker must have stumbled on her info that way...

Just for kicks, I've plugged in the wrong number on the back of the card....

Every place I've done it, still shipped and charged.

Musician's Friend is one of them.

 

[mysticaxe]

Banks (at least the ones Iv'e used) claim no responsibility for unauthorized transactions.

That's not totally true. There was a big scam in New England earlier this year where a few people hacked a grocery store company's server and stole a whole bunch of bank info and cleaned people out. The banks dealt with the whole thing and then went after the hackers.

 

[kannibul]

Wow, that's different than what I've understood.

 

[Sam Laming]

Shop I work in's just had 6 pin machine stolen