I just found out that someone has gotten my debit card number and charged to it 3 times in the last 2 days.?

Question

The amount charged was 898.75 in 3 transations. All at the same place. I closed my credit card acct. today and notified the company that accepted the charges but could not get any information. My bank said they would refund my acct. less 20.00 per transation. I contacted my local sheriff dept. to start an investagation. Any suggestions on anything else I should do. I want to find out who used it and how they got the number. Thanks, Jack

Answer 1

We had a similar problem The bank will follow through as they will want there money back also. The best thing is to protect your details I dont deal with anyone that does paper transactions anymore as Our details were taken from a carbon in th rubish of a chineese Resturant so if there machine isnt working we go elsewhere.

Answer 2

It will be a little difficult for the sheriff to track who did this, I mean, you'll get pushed to the back of the line.

There are many more highly important crimes to deal with today, robberies, hold ups, speeding, inappropriate behaviour, yours doesn't seem so critical.

They could ger records from places the money was withdrawn for, but I doubt they will receive much information, let alone an image of the person.

The person could have been someone close or a someone who at least knows you well enough to be able to gain access to your credit card account number as well as security pin.

You have a new card and the old account has been shut down.
Move on and forget about it, revenge won't help you.

Answer 3

If you live in the U.S.

By not refunding the $20.00 that is a violation of EFTA and if your debit card has a MasterCard or Visa symbol. It is protected by the zero liability policy.

"for unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss"

MasterCard and Visa pay the bank for fraudulent use of the card. So the bank does not lose any money. When the bank claims the zero liability protection.

If it was me. I would print out those sites below and take it into the bank. Tell them nicely you are entitled to get your full money back.

If the bank refuses. Then I would report them to Master or Visa tell them they are not honouring the MasterCard or Visa zero liability policy.

Answer 4

Sounds like you have notified the right authorities. Anywhere where you sign a Credit Card purchase where they give you a paper copy will have your number onit, then its easy to just ring somewhere and quote your credit card number. Just remember never obtain cash from an ATM unless you cover up your PIN with your hand over the top and never let your credit card out of sight and ensure the machine they swipe it in is genuine, easy to do this as it will be connected to the Cash register, the copier will not be. Maybe you purchased something over the internet. Any of these they can get your card number and away they go.
Best of luck.

Answer 5

A tip that might help prevent this in the future. Open a second account at the same bank. Do NOT tie them together. Set up online banking to allow you to transfer funds online from one to the other. Use the one you can transfer into for purchases, keep the other a secret, with no card. Only transfer money when you need to.

That way, if you lose your debit card or your info is stolen, they can't take 900 bucks, your money is in the account not tied to the card.

Answer 6

I doubt if you will ever find out who did it. The same thing happened to me and I never found out who it was and how they got my information