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Thread: debit card fraud

  1. #1

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    I just got a call from a guy who said he worked for a fraud-prevention place for my bank. Someone had tried to make a large purchase using my debit card. He said they had declined the purchase as I did not have the funds in the bank to cover it. Thank God!
    He cancelled my card and I have to contact the bank in the morning to get a new card. I only keep in the checking what I need to pay bills and for small purchases. He said he had already found 10 more on his shift today.

  2. #2
    Super Member amandasgramma's Avatar
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    What bank?? Did you call the bank yourself to doublecheck??? I'm always suspicious of someone calling me...PLEASE doublecheck!!!

  3. #3
    Super Member DebraK's Avatar
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    sounds fishy.

  4. #4
    mygirl66's Avatar
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    This has happened to me also.Someone was using my card # in Coco Beach, Fla. to buy alot of gas(over $400 worth) & a fur coat. Come to find out, someone who worked at my bank sold my & about a dozen other peoples debit card #. It took me quite awhile to put things back together. Im glad you found out as quick as you did!

  5. #5
    Power Poster amma's Avatar
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    Banks don't typically call and discuss this type of business over the phone. I strongly suggest you call your bank ASAP and verify that this really happened.

  6. #6
    Super Member wolph33's Avatar
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    Quote Originally Posted by amma
    Banks don't typically call and discuss this type of business over the phone. I strongly suggest you call your bank ASAP and verify that this really happened.
    ya that seems odd

  7. #7
    Super Member Quiltforme's Avatar
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    Wells Fargo has a fraud department that will call if they see suspicious activity they will not ask you personal info but they will ask if you made the purchase or not.

  8. #8
    Super Member pamesue's Avatar
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    call the bank now....

  9. #9
    Power Poster cjomomma's Avatar
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    I hope you didn't give him any information because he could be out there trying to use your card right now.

  10. #10
    Super Member suebee's Avatar
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    Quote Originally Posted by amandasgramma
    What bank?? Did you call the bank yourself to doublecheck??? I'm always suspicious of someone calling me...PLEASE doublecheck!!!
    Yes, I agree...that scares me for sure. BTW, love your Avatar pic :)

  11. #11
    Super Member tellabella's Avatar
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    You can call the bank yourself right now and tell them what happened and they can tell you the last time a transactions was attempted or completed...banks do call..at least here in Canada..as we got a call at 10;30 on a Friday evening for my son...someone had withdrawn $500 from his acct and the bank, somehow, found this to be a suspicious transaction and called right away...THEY cancelled the card, then my son had to go to the bank and do paperwork and they did reverse the withdrawl...again, hope you didn't disclose any imp info to him...

  12. #12
    Super Member luvTooQuilt's Avatar
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    Quote Originally Posted by Quiltforme
    Wells Fargo has a fraud department that will call if they see suspicious activity they will not ask you personal info but they will ask if you made the purchase or not.
    So does American Express.. We get a call asking if we have/are traveling as there were numerous charges from 3 difference states in 24 hrs.. No other personal info is ever asked.. they gave us an 800 # to call to confirm

  13. #13
    Super Member pojo's Avatar
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    I would call the bank that sounds funny to me.
    Don't give out any of your information.
    Including
    address, name, account number, driver;s license, birth date.

  14. #14
    Moderator sharon b's Avatar
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    My sister had this happen someone was in FL trying to buy 5,000.00 on her card- the bank declined it and called her "just to make sure she wasn't allowing this " LOL as if :shock: :shock: They canceled her card on the spot - banks are being more careful these days and the fraud departments are growing by leaps and bounds - sadly

  15. #15
    Power Poster nativetexan's Avatar
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    he called you??now that is scary. hope he didn't ask you any questions . crooks do that. call your credit card company yourself now!!
    i get warning emails if any large purchases are done.

  16. #16
    Moderator Jim's Gem's Avatar
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    We've had both our Master Card and our American Express card services call us to verify purchases. I really appreciate it when they do that. They don't ask us to give them any account information, they just let us know that a suspicious charge has been made and if we are the one's making it.

  17. #17
    pookie ookie's Avatar
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    I get automated calls asking to confirm purchases. Just to make sure I don't slip up someday in the future when something fraudulent calls, I always hang up on the bank that called me and call them to confirm my purchases. It's only a slight hassle to make the call myself but I hope it keeps my auto pilot under control in the future.

    I have to point out that when my bank actually calls me, the caller id never clearly states it's my bank (and I have more than one). I know caller id can be faked but c'mon! say who you are already.

    Hope everything works out for the OP.

  18. #18
    Super Member Rose_P's Avatar
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    I had a call one time leaving a warning on the answering machine that we needed to call the credit card company right away to report whether certain charges were legitimate and threatening to freeze the card if we didn't call. Of course I called our bank - I know the number because we've banked there since 1974 - and it was true their fraud department had called. The problem? We both carry the credit card, and it just happened that DH bought gas in one city minutes before I bought some in another city where I was visiting our son. I kind of scoffed at the idea that a criminal would make such petty purchases if he had a chance to spend big bucks before it was caught, but the credit card guy said I'd be surprised. They will make the smaller purchase, especially gas, because it's harder to track. Most gas stations have cameras, but apparently the crooks don't worry. This happens so often that there is simply not enough manpower for police to deal with any but the very biggest thefts. We're all paying for this kind of thing in higher rates. Be thankful the banks are finding ways to notice possible fraud before it's too late.

    I've learned to notify the bank when I'll be out of town so they won't get overly cautious and freeze my card because of distant legitimate transactions. Make sure to notice that they have a procedure in place to verify it's really you who is calling for this purpose.

    My daughter's debit card number was recently stolen, and she was grateful to get the bank's notice promptly. It's best to not even use a debit card these days. Fraud is so common, and it can cause a lot more headaches if the money is coming out of your account, where it might make your legitimate transactions bounce before you even find out about it. Ideally, establish yourself with only two credit cards so that you can track them easily. Use one for everything and put the other away for back-up, or use one and have your spouse use the other. If possible, pay up every month to avoid interest. Definitely establish online access to your statements and check activity frequently. Once a month statements were for a more innocent time.

  19. #19
    Super Member amandasgramma's Avatar
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    Quote Originally Posted by suebee
    Quote Originally Posted by amandasgramma
    What bank?? Did you call the bank yourself to doublecheck??? I'm always suspicious of someone calling me...PLEASE doublecheck!!!
    Yes, I agree...that scares me for sure. BTW, love your Avatar pic :)
    Thanks!!! That pic got me a husband!!! LOL

  20. #20
    Super Member brushandthimble's Avatar
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    I have had credit card company call to check if charge legit. Hadn't used the card in months, and went on a spree I think for new cloths. New activity at multiple locations raised a flag and they checked with us. Thank them for for the follow up.

  21. #21
    Super Member Snorky Lvs2Quilt's Avatar
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    We got a recorded message from the fraud dept. at our bank regarding unauthorized purchases on our credit card. I thought the message was weird so I got my credit card out and called the customer service number on the card. They put me into the fraud dept. and I found out the call was legit. Someone tried to purchase thousands of dollars of fishing gear on our card but they could not give the correct billing address so it was declined. Had to cancel the card just two days before we were to leave on vacation. They could not get us the new card in time so we had to use our ATM card. I just had to make sure I transferred enough money for us to use. It was a pain in the neck but we were able to go on vacation feeling everything was taken care of. Please call your bank and verify everything that was told to you on the phone. It will be worth the peace of mind.

  22. #22
    Super Member Rose_P's Avatar
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    Thanks!!! That pic got me a husband!!! LOL[/quote]

    I frequently wish this site had 'like' buttons. That's one I would have liked to 'like'!

  23. #23
    Moderator littlehud's Avatar
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    My bank has called me if there was a larger than usual purchase on my debit card. I would still call to see if it was on the up and up.

  24. #24
    Member ErinMarie's Avatar
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    I agree, call to double check just to make sure. It sounds alright to me, but I used to work in card services for a bank in the fraud department. Banks have a complicated system that runs 24/7 - evaluating current fraud trends, your spending pattern, locale, and $ amount of purchases.

    Better safe than sorry.

  25. #25
    Senior Member cashmommy11's Avatar
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    just christmas day someone used my card # and clean out our account almost 3,000.00 before we found out wished my bank had call....but they did put all the money back thank god

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