I just found out someone used my numbers to buy something off the internet. I used the card to buy something online once and somehow they got the number and used it. Has this ever happened to you? (Luckily it was a small charge and my bank cancelled my card right away)
2007-03-08 04:23:22 · 4 answers · asked by Anonymous in Business & Finance ➔ Credit
Yes, this happened to me a year ago in December. But it was before Christmas and so I was using my Debit Card alot at every store I shopped at. It is a debit/credit VISA.
Just luckily, I went on line to check my B of A account and saw a transaction that was in the process of going through with the day befores date. They were taking $300 from my debit.
I called B of A and told them it was not my purchase and to stop it. I was shocked when they told me that this type of transaction has to go through first before they can call it fradulent and solve the problem.
It was horrible as I had to wait the 3 days, the request cleared and then I had to file with BofA to get my money back. When they do it file a claim and then they put the $300 back into the account pending an investigation.
If the trasaction is fradulent you keep the money, if not they take it back out of the account.
I was flabergasted.
I looked at the transaction and was able to get a company name and phone number for Florida. I called and found it was a Driver License firm for immigrants. They pay to get a US drivers license.
A man returned my call the next day. I ask why he took $300 out of my account and he said someone used the number to apply for a US License. He would look into it. He also told me that he had a rash of fradulent numbers being used and that he was refunding the funds.
That was that, I let BofA take care of it and they did.
I have recently heard that when you use a debit card so much, others can easily get assess to your account. They can get into checking and then to savings if you have over-draft protection.
So, if you use a Debit or Debit/Credit Card often, check your account online at lease twice a week. If you dont catch it in time the Bank can deny your request to get your money back.
2007-03-08 04:40:35 · answer #1 · answered by Nevada Pokerqueen 6 · 0⤊ 0⤋
Yes, very recently. There was an article in the paper that the Marshall's/TJ Maxx computers were hacked and credit card numbers were stolen. I shopped at Marshalls, once, a month before and my card was apparently compromised. Someone used it to set up 5 AOL accounts on the same day. It's frustrating. I had to cancel my card and all my automatic payments. Call your financial institution immediately. If it's a credit card, you are only liable for a small amount but if it's a debit card, you could be liable for all the charges. Better to have it closed and re-issue a new one.
2007-03-08 04:54:08 · answer #2 · answered by C Anemone 5 · 0⤊ 0⤋
Glad this worked out ok for you. But its still a hassle and makes one worry about online shopping.
There is a little more protection if you use a credit cart rather than a debit card. At least your checking account won't be affected by the transaction.
When possible, I prefer to use a service such as PayPal (see paypal.com) where I transfer monies to paypal and then they pay the vendor. This way the vendor never has to have access to my accounts directly.
2007-03-08 04:44:23 · answer #3 · answered by Tom K 7 · 0⤊ 0⤋
its happened to me before and it really makes you not want to shop online..
id recommend only shopping at very well-known and respected online stores.. just because if they have that, they probably have the money to stop people from getting at our information as well
good thing you caught it, and that it was only a small charge.. mine sure wasnt
2007-03-08 04:29:23 · answer #4 · answered by Anonymous · 0⤊ 0⤋