Seriously? My debit card has been "compromised" again...

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Posted 10/12/2012 by Katybee in NSBR Board
 

Katybee
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Posted: 10/12/2012 5:18:05 PM
This is the 2nd time in 2 months. I went to use my debit card this morning at 7-11 and it got declined (for a $4 purchase--I was mortified). It turns out that it has been cancelled (yet again) for my own protection. There were no unauthorized charges on my account--there was just information provided to the bank (Bank of America) by either the government or VISA that my card # may have been compromised.

What am I supposed to do to keep my # safe? Never use it? This isn't just an issue with my card...they said a LARGE number of accounts have been compromised. So it's not the local Chinese restaurant I ate at last week or my hairdresser. From what I can figure, it's a large retailer. Amazon? Michaels? Target? Because I spend a buttload of money at all those places. Is it a recurring charge like Netflix or Typepad?

The bank cannot or will not give me details. They only say it's under investigation. In the meantime, I'm without a debit card for the next few days.

So other that just NEVER using it, what are we supposed to do? I check my account daily, I don't use it anywhere shady, I never use my pin # in public, I'm careful to check for skimmers, etc. And besides, I think both cases were large-scale compromises of data at a high level--like computer systems being hacked.

I just feel frustrated and vulnerable...



Monica*
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Posted: 10/12/2012 5:22:24 PM
What a drag. I feel your pain. I've had to cancel my debit card at least two or three times in the past year due to unauthorized charges. One was a gaming website purchase. One was a hotel. Totally and completely sucks.


Monica


eebud
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Posted: 10/12/2012 5:22:57 PM

Never use it?

That's what I do. I don't use debit cards. I don't want anyone to have that easy access to my cash. I stick to credit cards so that I can verify charges before anything hits my cash. I keep two Mastercards for the rare occasion that a hold is put on one of my cards for security reasons.

***eta Then I pay it off when the bill comes in and charges have been verified.





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PunchPrincess

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Posted: 10/12/2012 5:26:30 PM
I don't use mine either unless I am at a retailer I trust and even then my number was taken and used for a bunch of pizzas.

We can get a Visa card at the grocery store if we want. It has a small balance, is reloadable and not connected to our bank. I would get one of those if I wanted a low balance card.


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Posted: 10/12/2012 5:27:07 PM
It won't really help to keep your card from being used fraudulently but it might give you a heads up or peace of mind to know that the "might" isn't actually the case - does your bank offer any sort of text or email notification? I have mine set up so that I get a text any time the card is used without the physical card being present. So online shopping, phone orders, etc. - I get a text for them all literally the second that it goes through.

I also have my credit card, which I rarely use, set up to alert me when any charge larger than $1 goes through and I get that from my CC company before I even get a chance to put the card back in my wallet if I use it.

It's given me some peace of mind.

The only other thing is maybe change banks because I wonder if there's a problem that is directly related to THEIR cards or system. If they are telling you that a "large number" of cards are compromised, that would tell me that the pool of numbers is possibly being compromised from one of their databases.


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cannes
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Posted: 10/12/2012 5:30:13 PM
That's a bummer!

I rarely use my debit card anymore. I use a credit card that gives me rewards as my primary card. I use it like my debit and write purchases down in my check register. By doing so, I can pay the balance in full when the bill comes in. I get rewards and a little added protection.


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scrapper100
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Posted: 10/12/2012 5:34:59 PM
It could be anything not even something you did lately. I had my Walmart account hacked. They changed my email address so I couldn't even get in. Luckily they sent an automatic email for my old address letting me know that it had been changed. It took a while for Walmart to figure out what account was hacked since my main way of accessing it was "no longer valid" they then confirmed which card was used which I then canceled. My account hadn't been used in over a year - I bought something for DS that was only available there. My account is now closed and since the card number has changed I figure it is kind of good since any old on-line accounts with that card have also been shut down. It is such a pain but at least it was caught before money was removed from your account which is why I avoid debit cards.


Patti

Katybee
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Posted: 10/12/2012 5:46:41 PM
Luckily, there weren't actually any charges. I think they proactively closed it because they got information from a retailer that there was a breach in security. So somewhere, someone has my card # on file (anywhere I've ever used it) and some hacker or other crook got access to all of these numbers. I suspect one of the large retailers I frequent regularly. I also wonder if it's an internal problem with Bank of America--they were less than forthcoming with details.

I have thought about going the credit card route...but I think a credit card number would have been compromised the same way. (Bank of America got the info from either Visa or "the govt."

I do check my account for unauthorized charges daily, and thankfully, the time there were charges, BOA had the $ back in my account the next day. I just feel like, until I find out where this is happening, it's gonna keep happening over and over.

I'm going to check into the text thing--I have the online banking app for my phone. I also get all my statements online. I even deposit checks by taking a picture. You'd think the text alert would be easy.



Katybee
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Posted: 10/12/2012 5:49:14 PM

It could be anything not even something you did lately.


It's something I've done in the last 2 months--cause the card is only 2 months old (this same thing happened this summer).



scrapper100
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Posted: 10/12/2012 5:51:36 PM
The thing is with debit cards it can take up to 10 days for them to return your money to your account while on a CC you don't ever have to fork over the money. We pay ours off every month so we use their money and get points we basically use it like a debit card but get the benefit of a CC. I have heard too many horror stories about money being taken from an account and then the person is left scrambling trying to figure out how to pay valid bills when money was taken out that shouldn't have been.


Patti

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Posted: 10/12/2012 5:56:15 PM
I only use my debit card as an ATM card. Any purchases are done on a credit card. I feel there's more protection for me and less chance that fraudulent usage is going to drain my bank accounts.

I have had my card cancelled a few times over fraudulent usage and have then been without a card for a few days...and yes, it's a total PITA.

It's such a shame that there are so many thieves out there that make it so difficult for honest people to do business transactions.


- Jenny


JenAllyson
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Posted: 10/12/2012 5:58:32 PM
I'm going with "never use it" as well. Use it at an ATM to get cash and use a credit card everywhere else. There just aren't enough protections or quick enough protections from banks to allow thieves a chance to have access to my bank account. I'd much rather them get access to my credit card where it won't have any affect on me personally other than having to call the CC company.



ilovebuble
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Posted: 10/12/2012 6:01:52 PM
I have stopped using my ATM card altogether now. If I need cash I make a withdrawal from a real person inside of the bank. I still have to swipe my card and it can be a pain to plan my day around bank hours but I went through three "compromised cards" in one year. I was fed up.

Online purchases are made with a credit card with better protection, I just can't have my access to cash paused for that long anymore.

ETA : I won't use an ATM because thieves install skimmers on them, just like they do at gas pumps, stores and other places. They get your card number & pin with a $10 machine and a click of a button.

look4angel
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Posted: 10/12/2012 6:03:48 PM
Been there done that! TWICE! I used my debit card for an online purchase, and they hacked my computer and then used my debit card. First purchase was for $1.00, (the banks say this is normal, for it to be a tiny amount the first time just to see if the card will go through) Luckily for me they used it in FL, and I don't live in FL, so my bank's security system called me and informed me it had been compromised.

Now here is the funny part, the security system that my bank uses is called Shazam! Now when someone calls you on a Sat. morning saying they are connected with your bank and their name is Shazam! and they are trying to protect you, and they are letting you know your card has been compromised, that alone sounded fake to me! Turns out that is the company's real name! LOL At any rate I was thankful they caught the fake transaction before it drained my account. (Not that I had that much to drain, but it was mine, and I didn't want them to have it.)

Second card was also from my computer being hacked, so I no longer use my cards online. This charge was for $3.00, and I caught it myself after checking my balance, and knowing full well I did not buy anything for a Ski-do.

If I HAVE to use my card for an online purchase now, I ask for the company's phone number and call them or, I use those pre-pay cards from Wal-mart, since it was such a pain having to cancel cards and wait for new ones to arrive.


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TREZmom
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Posted: 10/12/2012 6:04:03 PM
I only use my debit card at Aldi (since I don't carry cash and they don't take credit). I use a reward credit card everywhere else and have racked up a ton of money that way.

Nantini
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Posted: 10/12/2012 6:04:31 PM
We have a credit card we use only for online purchases given to us by our bank. We can sweep funds to the card on the go. Can you try getting on to see if it helps?

They should tell you who made the charge, our does. (BOA)




mpscraps
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Posted: 10/12/2012 6:27:34 PM
I've never had it happen with a debit card, but we have a BoA credit card and have had nothing but problems with it. It was a different bank when we opened the account and it was bought out.

The first time, I went to make a $25 purchase at Target and it was declined. I finally got a live person on the phone and was told that there had been a security breach at TJX (TJMaxx/Marshalls) and because I had shopped there within the last 2 years, they had proactively cancelled our cards for our protection. Problem was, we were leaving town in 2 days for vacation and never would have known if I hadn't tried to use the card. To their credit, they overnighted us new cards at their expense.

Two years ago I ordered from a craft site and had my cc# compromised for 3 straight months. The second time, a charity in Kansas charged over 5 figures, and that raised no flags. A $20 purchase on vacation, in a sea of other vacation charges, is what triggered it to be cancelled. We're trying to decide if giving up a card we've had for over 10 years is worth not dealing with this problem any more.


I have mine set up so that I get a text any time the card is used without the physical card being present. So online shopping, phone orders, etc. - I get a text for them all literally the second that it goes through.


The problem with that one, for Bank of America, is there is a texting scam going on. You get a random text that says it is from BoA saying there is a problem with the account and to call xyz number. I always google unknown text and phone numbers, so I know not to call, but not everyone does. The number today was actually linked to a locksmith in New Jersey. Even my credit cardless 14 year old gets the texts.

Katybee
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Posted: 10/12/2012 6:31:29 PM
Yeah...my credit card id=s from BOA, too. I guess I'll check out some rewards cards. (I just hate having to pay another bill. )



ilovecookies
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Posted: 10/12/2012 6:59:01 PM
I'm starting to think the problem is BOA. It has happened to me twice in the past year with our BOA debit card. I've had 3 different cards in less than a year.


I have the online banking app for my phone.


I heard some blurb on TV the other day about thieves stealing info from people who are using banking apps, etc. on their smartphones. Something about the networks not being secure, and they are very vulnerable to hackers. I didn't get to watch, so I don't have details, though.



msbee
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Posted: 10/12/2012 7:57:10 PM
don't ever use it at TJ Maxx or Marshalls. They have the lowest grade encryption and anyone with a little know how and a laptop can hack their system



TXDancermom
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Posted: 10/12/2012 9:10:05 PM
We have had it happen with a debit card, credit cards, and paper checks. any method other than cash is at risk, and cash isn't safe either, if people figure out you carry a large amount of cash, you set yourself up for robbery.

BofA was really good when the paper check issue happened, most of the money was returned to us immediately. debit cards, we were able to cancel the cards and reverse the charges almost immediately, same with the credit cards (Chase).

as a result, I check our bank accounts every morning - if I hadn't I might not have caught the check fraud right away until it became a problem. We also have 2 checking accounts at 2 different institutions it came in handy when one account was compromised, I was able to keep going with our financial life while we got new accounts opened and checks/cards ordered.

vigilance of our financial life unfortunately has to be part of everyone's life.


beachgurl
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Posted: 10/12/2012 9:39:30 PM
My two cents. I am sick of having my cards blocked "to protect me". Often it puts me in dangerous situations, hardly what I would call protecting me. I don't see any end in sight either.

It seems to me that the problem is no one is being prosecuted for this. When I have had fraudulent charges, the reps have indicated to me that the bank does not bother to follow up on these things.

Has anyone heard of someone being convicted for bank card fraud? I am hoping that the rest of you have, but I think a crime without any penalty will only continue to grow.





Fireflyy
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Posted: 10/12/2012 9:46:21 PM
I never use my debit card.

grandma28
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Posted: 10/12/2012 10:03:36 PM
btdt also.. i dont use debt card either.. i put everything on a c.c. with rewards of course.. and pay balance monthly after verifing all charges.. have had c.c. and debt cards compromised in the past, and its a pain the butt for sure.
connieb

sky95
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Posted: 10/12/2012 10:30:52 PM
The last 2 times my card was compromised, it wasn't at the retailer level. It was employees of the companies that process the transactions.

AJoy4U
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Posted: 10/12/2012 11:29:07 PM
I feel your pain.
My bank statement was opened and main page was stolen and put back in open mail slot at the main post office. All of our information was taken.
Then the nightmare started.
My account info was used to make a $300 payment to Capital one and money was transfered to this account.
I contacted the post master, police and Wells Fargo. I had to close down all my accounts because all 3 of the account #'s were on that statement. I also had to change all of my bill pay's and direct deposits.
I ask Wells Fargo if they would stop putting the account#'s on the statements and they said no that was there policy.
I had to wait 14 days before money was put back into my account and now no one wants to investigate and I can't because I have gotten my money back and it's in Wells Fargo's hands.
Post office or police wouldn't do anything.
So at anytime some USPS worker can take your statement and sell the information and someone can use your main account info online.
I feel violated by the bank, post office and the police.
I normally just read the post but I was compelled to post my frustrations. Thanks for letting me vent.
I hope this doesn't happen to anyone else. I wish we could do something and right this wrong about our account'# on our bank statements.

recap.pea
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Posted: 10/12/2012 11:37:14 PM

The bank cannot or will not give me details. They only say it's under investigation.

Bank of America recently had a security breach, which could explain why they canceled your card

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jediannie
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Posted: 10/13/2012 12:26:50 AM
Like others, I do not use my debit card except at the bank to make deposits. I use my credit card for everything and pay it off each month. That way, if my card number gets hacked, they don't get my "real" money (read: checking account) and I don't have a hold on my actual cash.

zombie*grrl
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Posted: 10/13/2012 12:31:04 AM
Get an acct at a local credit union. Large banks are much more susceptible to hackers working on a grand scale. I pretty much never have problems unless I'm traveling and spending and forgot to notify them, and even then one phone call fixes it all.


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mzza111
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Posted: 10/19/2012 10:45:54 AM
I just got my new BofA credit card in the mail yesterday. They cancelled my card and reissued a new one because "my account number may have been compromised". There were no unathorized charges.

This is the probably the 3rd time BofA has done this in that last year. It's very frustrating.






SnowWhite.
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Posted: 10/19/2012 10:49:42 AM

Get an acct at a local credit union. Large banks are much more susceptible to hackers working on a grand scale.


I'll second this and I've had my card skimmed (I was camping and stopped at an out of the way gas station) to the tune of $4k. I went to my credit union and had the entire mess resolved within the hour and had a new debit card first thing the next morning.

~dawn

WImomma
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Posted: 10/19/2012 11:03:50 AM
I'd put my money on Target. I've had my debit card number stolen twice and both times it was hacked from Target's system.

Thankfully we're at a smaller local bank and they caught it right away. One of my friends just had her bank account drained because someone got her debit card number and BOA didn't catch it in time.



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KRC11
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Posted: 10/19/2012 11:19:31 AM
I never use my debit/visa online. Period. I use one discover card only online and then I tend to use the discover card and debit card locally. So far, I always have a back-up of one or the other, if one needs to be reissued.


KRC11

busypea
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Posted: 10/19/2012 11:21:35 AM

Get an acct at a local credit union. Large banks are much more susceptible to hackers working on a grand scale.

This is so incorrect, it's not even funny.

First of all, VERY few breaches are actually at the level of the financial institution that issued the card. They do happen, certainly, but they are not the norm at all. The vast majority are at the merchant level - it's the places you use your card that are far far far more susceptible to hacking than your bank. Then there are also skimmers and other devices that criminals use to capture card information, unsavory employees of merchants who steal information for their own gain or to sell, and many other places.

Whether it's a credit union or a big national bank - they are definitely not the weak link in this whole circus.

But where credit unions ARE weaker than banks is their fraud detection abilities. They simply don't have the same resources to detect and shut down fraudulent activity at its early stages. The big banks have much more robust and accurate tools in this area. Are they perfect? No, of course not. Stuff does get through, but far less than gets through with small banks or credit unions who do not have the same level of sophistication with their tools.

peasful1
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Posted: 10/19/2012 11:45:20 AM

Whether it's a credit union or a big national bank - they are definitely not the weak link in this whole circus.

But where credit unions ARE weaker than banks is their fraud detection abilities. They simply don't have the same resources to detect and shut down fraudulent activity at its early stages. The big banks have much more robust and accurate tools in this area. Are they perfect? No, of course not. Stuff does get through, but far less than gets through with small banks or credit unions who do not have the same level of sophistication with their tools.


Meh. I think it's a bit of both, perhaps. I think there are compromises within the banks themselves and within the retailers. Smaller institutions, like CUs, just have fewer sets of eyes on the numbers. They also aren't that interesting to thieves because they also have fewer numbers.

But reading all these posts, it would seem either some people are just extraordinarily unlucky in that they are constant random targets of fraud, which I find peculiar, or there is an issue with their bank's system.





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SnowWhite.
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Posted: 10/19/2012 11:55:15 AM

But where credit unions ARE weaker than banks is their fraud detection abilities. They simply don't have the same resources to detect and shut down fraudulent activity at its early stages. The big banks have much more robust and accurate tools in this area.


I haven't had a bank account in a long time so I can't really speak to big bank turnaround, but I know when I got compromised, the purchases started at 10 or 11pm at night. I found it by accident early the next morning when I went to the ATM and it wouldn't give me any money and I went straight to the credit union (luckily I was in the office and my credit union had a branch across the street). They got it all straightened out while I sat there, in less than an hour and I went back to work. My butt barely hit my chair in my cube and their fraud detection department called me I thought it was pretty good because honestly, had I not gone to the ATM, I wouldn't have known about it.

~dawn

melissa
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Posted: 10/19/2012 8:43:02 PM
My advice is get rid of the debit card altogether.

Track your credit card expenses and pay them in full each month. Don't use a debit card. There is simply no need. I haven't had one in over a decade.

We have had our credit card compromised but it is much less of a hassle than dealing with a debit card.


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