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Dragging Bass
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Discussion Starter · #1 ·
Sorry for my French, but let me vent....

Got home from fishing today, got the mail (USPS mail that is) Got a couple notices for overdrafts in my checking account. Hmmmm.... That's funny, had plenty in there, that shouldn't of happened!

Got online and checked my account status......Uh-oh.......someone got ahold of my bank card number and is having a field day. Dozens and dozens of transactions NOT made be me or my wife. And by field day, I mean to tune of $2893.33 and still counting.

We called a friend of the family that works at our bank, and gave us some intructions to start to deal with this. Unfortunately, the card cannot be cancelled until Monday morning. Can't wait to see what this freakin' moron buys next!!!!!

:cussing: :cussing: :cussing: :firing: :firing: :firing: :cussing: :firing:

***insert "whipping the bird" smiley here also***
 

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Administrator
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wait! NOEL!! just give me another few days, I need a few more Loomis's! LOL.....

really though, I wish that scumbag the worst of luck possible......
 

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What, me worry?
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Ouch! I hope you get this straightened out fast Noel.

This happened to a former employee of mine a few years ago. He had his "Master Card - Debit Card" number compromised someway online. I hope this turns out better for you but, at least at that time, there weren't the same safeguards in place for a "Master Card - Debit Card" as there are for a true credit card. I guess with a credit card, you're only responsible for the first $50.00 of the total of the bogus charges. After that, the card company is on the hook for the rest. My employee, because his was a debit card lost $1,103.00. It was a real wake up call for me because I abhor credit cards and used my "Master Card - Debit Card" for just about everything. Since then though, I use my Credit Card for any online purchases.

This guy had told me that there was legislation pending that would give the same safeguards to debit card holders. I hope this is the case now for you Noel!
 

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It's been a long time...
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I've had that happen, but due to a person physically stealing two cards at the same time. One was a MasterCard debit card, and the other was a bonafide Visa credit card. The thieves charged up about $800 in just 15 MINUTES after the cards were stolen. I was able to freeze both of accounts immediately with two simple phone calls (one to the bank of my checking account, the other to VISA). This happened about three years ago.

I was absolved of ALL responsiblity on both the debit AND credit card, so I guess that different banking/credit institutions' policies have different policies regarding cardholder responsibilty.

Sorry to hear this happened to you & your wife, Noel. I would imagine everything will work out, though.

Tight Lines...
 

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What, me worry?
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Noel....

I just did some checking online and it appears that the legislation I mentioned above was passed as Rob already alluded to.

If I read the article correctly, as long as you report the loss within two days of finding out about it, you're only responsible for the first $50.00. After that though, you responsible for $500.00.

I did a Google search with the following text:

+"debit card"+safety+tips

It returned a few different links which mentioned it.

As Rob mentioned, you're bank will probably absolve you completely.

Good Luck!
 

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Noel -- Your bank should have a Toll Free 24 hour hotline..

Check the back of your card!! You need to report it asap.

Pete

Also ,John -- Pick me up a loomis 7` med. action spinning rod.
 

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One of those Loomis Frog rods if you please. My wife had her identity stolen ten years ago now thats a pain in the Butt and punishment is weak if fact the broad who took my wife had taken dozen of others and really ruined thier credit but never did any long time.
 

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Dragging Bass
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Discussion Starter · #9 ·
Your bank should have a Toll Free 24 hour hotline..

Check the back of your card!! You need to report it asap.
Pete, the friend of ours that works at the bank said the same thing, but there is no number on the card. That is when she recommended going to the local branch first thing Monday.

The checking account has been zeroed out, and is actually in a negative balance right now. This should be interesting....
 

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Smile, and enjoy life!!
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if you make a police report that stops the clock on your end. most police departments in the "know" will ask you to leave it active anyway. they will track usage for a short period and cancel it. chances are they will use it in a place where they will be recorded on video. amen for video surveillance!!!

police report is crucial on your end.

good luck robbie
 

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Noel, I really feel for you. I lost my debit card in England this spring. I didn't have a number to call, at it was 2 AM here, so I couldn't even call my parents for the number. Luckily, no one ever used it, but from that time on, I am more careful. I never use it to make online purchases, I use a credit card (never believed in them before). I really hope it doesn't cost you too much money, time or frustration... If the number isn't on the card, look at one of your statements-virtually all banks and credit agencies have a fraud hotline, and most are open 24 hrs.
 

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Smile, and enjoy life!!
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if it has a logo on it (master or visa) -- call them. visa or master can put a hold on it (they will require police report #) amex and discover and others can as well. look up the banks main provider online. most banks are owned by a larger conglom. if you need any assistance email me.

robbie
 

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Dragging Bass
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Discussion Starter · #13 ·
robbie, that was what I was thinking to. The more he continues to use it, the better he can be tracked. He has only made one transaction so far today, but the fact is he is stupid enough to continue on. There are about 80 - 100 transactions in the last 5 days.
 

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The law is too soft on these types of "white collar" crime.
I say bring back the stockades. You take a couple of these criminals and lock them up outside in full view of everyone, without a guard, for a month, no matter what time of year.
Then we'll see how sorry they are.
Too harsh?
 

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Smile, and enjoy life!!
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drawn and quartered would be nice. on pay per view. 4.99 a show. proceeds goto recovery of funds. after the first few.. you will have no more problems.

it is a widespread problem. esp since the world is going "paperless" in a hurry. people are using debit and credit cards for everything. i myself have not paid cash at a gas station in a long time. i am impressed with the attempts at keeping cards legitimate... NYC gas stations are requiring you to input the cards billing zip code as an authentication. at least it's not swipe and run.

during a car break in my father in laws wallet was taken, along with his bible- yes bible. they used his card within minutes and ran up about 800.00 in an hour. all phone cards and cell phone products. the a$$ used the cell a ton. he was on video at 7-11 buying cards too.

some of them get caught, but too many get away. we now tell victims to leave cell phones active and credit cards active.. if providers and card companies agree. many a robber or burglar is caught like this now. the companies usually agree with the method, but it will fade soon, once they realize they will not get restitution.

what a sad friggin world we live in.

good luck in this matter noel.

--- robbie
 

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That really stinks!! I feel bad for ya bud!!! I quit using my debit card for that fear. I have had "bad" charges on my credit card, but they were really good about removing them....I was not liable for anything (not even $50). Also with the credit card I get frequent flier miles....pay it off every month fully and get free tickets!

Best of luck!!! I hope they get that scumbag!!!

Seth V
 

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Dragging Bass
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Discussion Starter · #18 · (Edited)
Ahhh, what an adventure I was on today. LOL!! I feel as though some very good progress was made though.

First went to my bank, that branch was short on help today and they sent me to the main branch. I went to the main branch (or so I thought) and nobody seemed to know I was coming. Come to find out, there are two branches in this town and I didn't know about the other one. Oh well, they helped me out anyway :D The bank determined only three different places charged my card, and they called all three. All were very helpful, and out of those conversations the bank was able to get a first name, an apparent home address and an apparent home phone number. Couldn't get a last name, but I'll just assume it's "Dickhead" :D

From there I went to our Sheriff's dept. I waited there awhile before they sent me to the State Trooper office just down the road. Apparently, the Sheriff's Dept. was a little short on help today to. Got the report filed, and I should be hearing from an investigator very soon.

On the way home from there, I got a call from one of the companies the "subject" made the most charges to, and they are reimbursing my account for the entire amount charged. Very cool!! That will happen within 5 business days. Apparently, this company is some sort of "phone entertainment service". Hmmmm, wonder what that could be?? :D No wonder $2700 could be racked up in less than 2 weeks!!

The other two places didn't seem like a problem to get resolved as well. Should hear about them soon I hope.

So it looks like the only thing I am resposible for the interest that added up on my overdraft line of credit, that amounts to under $5. I guess I can handle that!

Hopefully everything is smooth from here on out...
 

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Wishin' I Was Fishin'
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Good News!

Hey Noel, that's great news!! Let that be a lesson to all of us. It can happen to anyone with a credit card/debit card. You have to be damn careful!

C'ya on the water,
Ted
 
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