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Wife's debit card hacked!

Old 05-30-2018, 06:15 PM
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Default Wife's debit card hacked!

How does this happen - we live in Massachusetts, wife has a debit card connected to one of our checking accounts. Get a fraud alert e-mail from Santander Bank tonight asking us to verify purchases. There are 2 purchases made at a Circle K in Durham NC using wife's debit card (she has the card in her hands and has never lost it). What are the logistics for someone to be able to make withdrawals/purchases using that account 14 hours away from us? Not huge dollar loss at this point and we've blocked the account now but still wonder how this happens.
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Old 05-30-2018, 06:21 PM
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Here in Florida they have found skimmers on bank drive through ATM's.
Only way they caught them was watching them pick up the skimmer.
Does she swipe at the pump?

Skimmers clone the card

I've had it a few times to my credit card
I only carry a debit for emergencys everything goes on credit and is paid by the checking/debit account
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Old 05-30-2018, 06:22 PM
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First, you are out nothing..bank will refund the charges.

Second, Her card was.either skimmed and they got her password or someone had the card number, exp date and the code on the back.

Dpnt sweat it, you did nothing wrong.. It happens more than you think..
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Old 05-30-2018, 06:28 PM
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Usually you see a few $1 test charges first
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Old 05-30-2018, 06:30 PM
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Similar thing happened to me 8-9 years ago - right before we were going overseas. Call from card company - your card with just used in a Publix store in Jax Fla. I had never even been in a Publix store at that point, and was 500 miles away with card in my wallet.
Never found out how they got my card number, but apparently they had manufactured a card with my number on it, and the transactions went through.

Like Cracker said - you should not be out anything, the fraud will be covered by the card issuers and the merchants. One of the downsides is all the rampant fraud just drives up prices on all goods to cover the losses. Someone's gotta pay.

Likely, the perps will never be caught.
Another incident with attempted charges in the middle of the night EST in the Middle East were denied. In both cases, the card were immediately cancelled, and new cards issued. Sux, but nobody robs banks anymore, and they catch 95% of the people who do. The other 5% are pros never caught.
Online scams and fraud is the new liquor store holdup of the 21st century.
Never use a card as a debit transaction if you can run it as credit. Credit transactions are protected more than debit transactions.

Last edited by CAP1; 05-31-2018 at 09:15 AM.
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Old 05-30-2018, 06:31 PM
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why I use the Bank's CC for 60k+ in purchases annually. If someone hacks the card...………… oh well not my problem.
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Old 05-30-2018, 06:45 PM
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Thanks all for the information. Wife and I will be using our CC instead of the debit from now on. So easy using the debit never really gave much thought to the possibility of it being hacked - live and learn. Thanks again.
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Old 05-30-2018, 09:18 PM
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The people who do this crap need to be shot.

Drives prices up and causes unnecessary aggravation and stress for honest people.

As others have said, happens all the time. Thieves are the absolute scum of the Earth...wastes of oxygen.
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Old 05-30-2018, 09:24 PM
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Had mine hacked a couple months ago. Got a text from Chase regarding about 2k worth of electronics purchases on line. They shut it down, had a new one in four days. Only PITA was I had some auto-pay bills linked to the old number. I only use a cc with 2% cash back for regular purchases.
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Old 05-30-2018, 09:32 PM
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That happened to me, when I went to a restaurant where I knew they were closing in the next few days.
Guess the waitress wanted to ensure extra "tips" while she was between assignments.

Your bank will shut that down. New card numbers for you and all new trouble with the Auto-bill Pays in the coming months.
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Old 05-31-2018, 02:36 AM
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Originally Posted by magua View Post
why I use the Bank's CC for 60k+ in purchases annually. If someone hacks the card...………… oh well not my problem.
don’t be nieve..........it’s all of our problem. Not busting your balls but it reminds me of when someone says “free healthcare”.
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Old 05-31-2018, 02:51 AM
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Originally Posted by mymojo View Post
never really gave much thought to the possibility of it being hacked
Please tell me you're kidding......right??
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Old 05-31-2018, 03:53 AM
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My wifes credit card was hacked once. I never reported it because he spent less than her.
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Old 05-31-2018, 04:00 AM
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I hate handing my card to a waitress in a restaurant. Once it's out of your site it is fair game. I pay cash when out to eat when ever possible.
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Old 05-31-2018, 04:13 AM
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I run $150k on my credit card in two months running my business. I change all card account numbers every 6 months. It costs nothing to change account numbers and get a new card.
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Old 05-31-2018, 04:21 AM
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I recently had the same thing happen but not a debit card. I never use debit. $85 charge at a Wendy's in Chicago lol.
No biggie but I had a lot of autopay charges set up. So I set up all the autopays to a different card that I will NOT use for outside purchases.
I recommend using multi-factor authentication whenever possible and set up text and/or email alerts for any purchase over $1. That way you will be alerted as fast as possible.
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Old 05-31-2018, 04:26 AM
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Happened to me in Mexico. Didn't take enough cash with me that day and had to use an ATM. Someone had a skimmer in it, info goes to a computer then the print a duplicate. Drained my account in a few hours. PNC allowed them to withdraw about 10x my daily limit from my account claiming that foreign ATM's don't have daily limits in case of travel emergencies. Was a nightmare.
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Old 05-31-2018, 04:27 AM
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Originally Posted by JointAsset View Post
don’t be nieve..........it’s all of our problem. Not busting your balls but it reminds me of when someone says “free healthcare”.
How so? It's the CC companies obligation to increase their cards security. If their product isn't secure they need to fix it.
Please explain your analogy to when someone says "free healthcare". Could healthcare be fixed with better security on credit cards? Lol...
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Old 05-31-2018, 04:33 AM
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I only use my debit car at the ATM and only the ATM at my bank. I also check the card reader six ways from Sunday and will even try to pull it out.
I then run my had along any edges near key pad for cameras... Even with this precaution they got my card and PIN at the end of last summer.

They managed to pull out $1200 at 4 different ATMs in Gainesville (50 miles south of me) before the bank caught it and cut my card off.

The best part is the bank refunded me the $8 in ATM fees within 48 hours..... they took about six weeks to refund the $1200. So I don't know who the bigger crook is, the identity thief or my banker.
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Old 05-31-2018, 04:38 AM
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Originally Posted by BlueRudy View Post

The best part is the bank refunded me the $8 in ATM fees within 48 hours..... they took about six weeks to refund the $1200. So I don't know who the bigger crook is, the identity thief or my banker.
PNC? That is about precisely what happened with me.
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