So it appears that my debit card was compromised

[Bateluer]

Woke up this morning and found an odd charge for a 102 dollars. Bank customer server wasn't open yet, so I went for my morning run first. Came back, and found a second charge pending for 850 dollars. First was from an MVNO carrier and the second appeared to be from a women's apparel store in Texas. I was able to contact my bank and they disabled the card, issuing a new one.

Had to fill out several forms, and get them notarized because both charges were apparently made USING MY PIN!?

At least they stopped the Pending 850 dollar charge before it posted, but the MVNO charge has to be disputed and work its way through the investigation and process.

 

[vshah]

very odd that they had your pin. how's the dispute process compared to a credit card?

 

[Doppel]

That sucks, but it's exactly why I have TWO checking accounts. The one I write checks from/get paid, all that, and then the one that I have in my wallet and never more than a few hundred bucks in it.

Good luck, and hopefully whoever took your card contracts smallpox.

 

[xanis]

Happened to me a few years ago. Whoever took it tried to make a bunch of big charges ($800-1000+) but none went through. They didn't have my PIN.

The dispute process was pretty painless, about the same as if it were a credit card.

 

[yhelothar]

All the debit cards I've ever had could be used as a credit card that doesn't require a PIN. Does your debit card have a visa or mastercard logo on it? If so, it doesn't require a pin.

 

[LinuxIdiot]

thanks for letting me use it. Needed to get a giftcard for my sister

 

[Bateluer]

very odd that they had your pin. how's the dispute process compared to a credit card?

Process seems to be the same, fill out the paperwork, report the card as stolen, and wait.

All the debit cards I've ever had could be used as a credit card that doesn't require a PIN. Does your debit card have a visa or mastercard logo on it? If so, it doesn't require a pin.

VISA logo. And it can be run as credit without a pin, the CSR at the bank told me these charges were made with a pin though.

thanks for letting me use it. Needed to get a giftcard for my sister

Well, I did sign the content forms for Intent to Prosecute. So, enjoy your time in court. 😛

 

[SKORPI0]

All the debit cards I've ever had could be used as a credit card that doesn't require a PIN. Does your debit card have a visa or mastercard logo on it? If so, it doesn't require a pin.

Never encountered that. All the B&M purchases I've done always required the PIN. On-line purchases required the CSC (security code). Buying gas required my zip code when out of my zip area. Probably a safety feature with the banks I use (BOA and Chase).

OPs credit card number was probably compromised when he bought something at a place that still had those carbon copy imprints made. Not sure how they got your PIN number.
Good luck with the dispute.

 

[SheHateMe]

Sorry about that.

 

[sixone]

Never encountered that. All the B&M purchases I've done always required the PIN. On-line purchases required the CSC (security code). Buying gas required my zip code when out of my zip area. Probably a safety feature with the banks I use (BOA and Chase).

OPs credit card number was probably compromised when he bought something at a place that still had those carbon copy imprints made. Not sure how they got your PIN number.
Good luck with the dispute.

If you hit "cancel", when the machine asks for your PIN, the system will run the charge as credit.

 

[Imp]

On a related note, I finally realized what the transparent, cut-off lip is for at bank machines recently...

 

[unokitty]

Well, I did sign the content forms for Intent to Prosecute. So, enjoy your time in court. 😛

Odds are there won't be a prosecution. Reported odds of going to jail for identity theft are one in one thousand. Article

You may also want to look at:

Debit card thieves get around PIN obstacle

Note that Federal Law protects you from most credit card fraud. However, they do not protect you from debit card fraud. Though, your bank may have a policy that does...

Best of luck,
Uno

 

[Bateluer]

Odds are there won't be a prosecution. Reported odds of going to jail for identity theft are one in one thousand. Article

I don't expect them to catch the guilty party. I'll be satisfied to have the lost funds replaced.

You may also want to look at:

Debit card thieves get around PIN obstacle

Note that Federal Law protects you from most credit card fraud. However, they do not protect you from debit card fraud. Though, your bank may have a policy that does...

Best of luck,
Uno

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