Fraud in bank account

**zenmama** · 10-20-2007, 12:08 PM

Well, I have now officially become part of the statistics. Someone cloned either my or DH's debit card and withdrew close to 1000$ in our bank account on Thursday. The bank froze the account, we changed our NIPs and had to wait till today before we had access again. Thankfully the bank reimbursed the funds right away. They didn't even bat an eye!! Somehow i think they're probably oblivious to this since the problem is so wide spread. To top it all off, the bank charged me service charges because the crook didn't use a bank-affiliated ATM!! lol. Has anyone else been ripped off?

**sdrjeolsen** · 10-20-2007, 12:27 PM

My folks were. Someone got their debit # and cloned a card using it in Italy to withdraw 250 every day for 10 days before they realized it. Like you said, the bank didn't bat an eye and put the $ right back into their account. They just had to come in and sign a paper saying they didn't do it.

I'm glad the bank reimbursed you right away.

My company card # has been stolen twice. Its such a hassle to call all my suppliers and change #'s again and again.

**Drgnfly423** · 10-20-2007, 01:37 PM

Ughhh...how frustrating. Do you have any idea how they were able to "clone" your card? That is great they were able to get you your money back right away. Hopefully the refunded the ATM charge

!

**zenmama** · 10-20-2007, 02:20 PM

Originally Posted by Drgnfly423

Ughhh...how frustrating. Do you have any idea how they were able to "clone" your card? That is great they were able to get you your money back right away. Hopefully the refunded the ATM charge

!

I'm working on getting those refunded. They've started an investigation but won't be getting back to us on the results (I asked..) All they said is gas stations and depanneurs (convenience stores) are high risk areas because of employee turnover. Who can function without gas??? lol. They said to pay cash, it's safer. We unfortunately don't carry cash anymore. sigh.

**hollyhill** · 10-20-2007, 04:48 PM

Ohmy! How scary!!! Especially with how unconcerned they are....vERY scary.

**McD** · 10-20-2007, 09:21 PM

""Like you said, the bank didn't bat an eye and put the $ right back into their account. They just had to come in and sign a paper saying they didn't do it. ""

There is a federal regulation that requires banks to do this. It's called Reg DD>

**Rompers1** · 10-21-2007, 10:15 AM

Here's a really good video on cc cloning

http://www.techeblog.com/index.php/t...t-card-cloning

I believe I won't be using my cc anywhere where I can't have physical control of it.

**emily_hope** · 10-21-2007, 10:28 AM

I am glad things worked out for you. Someone stole our checking account number and printed checks with our names and number. The first two checks were cashed at a liquor store. Over one thousand dollars. The lady who owned the store took them to the bank to cash them and the teller knew right away that they weren't ours. She called us. We closed the account and got everything changed. We were not out anything money wise, just a lot of hassle getting things straightened back out with merchants. These folks cashed checks at the liquor store, a couple of gas stations, shopped at Target, Home Depot, Lowes and I can't remember where all. I don't know what happened with the merchants, but we didn't have to pay any of the money. They caught these people in Walmart trying to cash a check one day. They had a crime ring going on! When they investigated them, they said that they found one of my checks at a car wash in another town where I had not been. I have no idea really how they got our account number.

**zenmama** · 10-21-2007, 10:32 AM

Originally Posted by emily_hope

I am glad things worked out for you. Someone stole our checking account number and printed checks with our names and number. The first two checks were cashed at a liquor store. Over one thousand dollars. The lady who owned the store took them to the bank to cash them and the teller knew right away that they weren't ours. She called us. We closed the account and got everything changed. We were not out anything money wise, just a lot of hassle getting things straightened back out with merchants. These folks cashed checks at the liquor store, a couple of gas stations, shopped at Target, Home Depot, Lowes and I can't remember where all. I don't know what happened with the merchants, but we didn't have to pay any of the money. They caught these people in Walmart trying to cash a check one day. They had a crime ring going on! When they investigated them, they said that they found one of my checks at a car wash in another town where I had not been. I have no idea really how they got our account number.

Emily, good for you. I'm glad to hear that they do catch these theives some of the time!! Sounds like they had quite the shopping spree before though.

**zenmama** · 10-21-2007, 10:34 AM

Originally Posted by Rompers1

Here's a really good video on cc cloning

http://www.techeblog.com/index.php/t...t-card-cloning

I believe I won't be using my cc anywhere where I can't have physical control of it.

Thanks for the link.

**mikandmari** · 10-21-2007, 01:08 PM

About 8 years ago I was mugged in an Acme parking lot by 3 teenage thugs. They got my purse with my checkbook, my Acme check cashing card & about $5.00.

Acme called the police, I got a report, but the Delaware State Police couldn't be bothered even though I got their license plate number.

I put a stop-pay on the checks stolen, and cancelled the check cashing card. The thugs walked into Acme the next day and Acme cashed a check anyway (three young black men with a "Fred Flintstone" decorated check and a woman's name on both the check & the card).

When the check was returned unpaid, Acme had a collector threatening me. It wasn't until my husband threatened a lawsuit that my "Acme nightmare" ended.

That's MY identity-theft story. Luckily the thugs weren't smart enough to do any more damage.

**justpeachy92** · 10-22-2007, 09:22 AM

A year ago my card info was compromised somewhere. Thankfully we didn't intially lose much money because the thieves and I were all trying to use my card at the same time. Money was taken out of my account at an atm in Africa. Then 15 minutes later someone was trying to take money out in Texas, the person in Africa again and I was trying to use it at the grocery store. My banks computer froze the card. I now only use my debit card as a credit card, and when needing cash will see a teller before using the atm machine. The bank was pretty certain because I used my debit card all the time, that I used it at a store and the stores computer was hacked into and my account info was gathered that way, and dummy atm cards were made. It is illegal for stores computers to store your pin number, but alot of stores have computer systems that do store the info.