I am so p****d

[perfect 39]

I am always SO careful with our finances and can account for every penny. Logged onto our account today only to find that someone made two ATM withdrawals in Las Vegas (400 miles away), one yesterday and one today totalling $400.

Thing is I have my ATM Mastercard in my purse and I never gave my husband his, it's still at home in my filing cabinet - yet somehow someone still managed to get this money out of our account at an ATM (and to boot an ATM which doesn't normally accept our kind of bank cards - it's one of these obscure ones which can only be used at liquor stores etc to withdraw cash). Guess somewhere I've shopped recently has a CC scanner or something?

I'm so p****d right now as now only can we not afford to loose $400, I'm scared of someone stealing my whole ID and doing something much worse. This also has made us overdrawn so we will incur bank charges too. Totally bummed...

[Jenn! 918]

Don't you have any sort of fraud protection on your account? Surely you're not liable for those withdrawls.

[perfect 39]

I hope not - although it took me 35 minutes over two phone calls to get any sense out of the bank wqhich doesn't bode well. They said they had never come across anything like this before where someone could take money from an ATM without having the actual CC in hand. They are going to investigate it which will take 4-7 working days - meantime I have no access to my account which just happens to be our day to day bank account so I'm completely stuffed!

[brnidokiegurl 1]

wouldnt an atm machine req a card and a pin

has a new card been issued that someone could have gotten fr mail, but they still wouldnt know the number

i know once i got a chg on a cr card fr vegas, i wasnt responsible, tell them to start you a new account under a different number for current usage and im sure they put a block on the old one...

[Emancipation 2]

I hope not - although it took me 35 minutes over two phone calls to get any sense out of the bank wqhich doesn't bode well. They said they had never come across anything like this before where someone could take money from an ATM without having the actual CC in hand. They are going to investigate it which will take 4-7 working days - meantime I have no access to my account which just happens to be our day to day bank account so I'm completely stuffed!

http://www.cbc.ca/news/story/2003/01/07/de...tml#skip300x250

http://www.cbc.ca/news/story/1999/12/10/debitcard.html

Uh it happens all the time.. they don't need the card - just the information stored on the card!

[Chica Yeyé 41]

Oh my gosh - I am so sorry to hear that!!! Have you checked with your other -if any- banks and credit card companies? I would do that right away. Here's keeping my fingers crossed that this is NOT identity theft.

Keep us updated!

L.

[Alex+R 0]

This sucks! But what bank is this that they're not familiar with this? This happens very frequently. It happened to my dad when he came to visit me in Brazil. I'm sure once your bank figures out what happened you will not be liable for any of those charges.

[*julez* 124]

By law, you are protected under Reg E when fraudulent electronic activity takes place in your account. You have reported the incident and the bank will complete an investigation. Once they determine that you did not, in fact, make those withdrawals, they will credit the funds and any associated overdraft fees back to your account. In the mean time, make sure the card that was compromised is blocked from further activity and have a new one, with a new number issued.

I'm sorry this happened to you. Thieves suck.

[L_n_O 3]

I'm so sorry.

keep us updated..

hope it gets resolved soon

[Nikita2Charles 33]

Another thing I would like to add beside what those folks here have already mentioned. CONTACT THE CREDIT AGENCY RIGHT AWAY. I am not sure if you have already taken advantage of the Freeannual credit report offer.

Run your credit report and check to see if it's worse than just the credit card, you could be a victim of Identity Theft, someone out there might be using your name, got your social and I've seen worse even changed your address. Good luck

https://www.annualcreditreport.com/cra/index.jsp

[Kathryn41 3,205]

Last week my husband noticed some unauthorized purchases on his credit card when he checked the account online. They weren't for large amounts but they were made on a day that he had not made any purchases - there were five of them he didn't recognize. He contact the credit card company and they were able to ascertain fairly quickly that his card had indeed been compromised. They cancelled it right away and overnighted a new card and number for him. Good luck on getting it all sorted out quickly. Your bank is unlikely to hold you liable for the fraudulent withdrawals.

[Heracles 417]

Uh it happens all the time.. they don't need the card - just the information stored on the card!

Yes. Someone must have skimmed the card at an ATM or some other store and created a duplicate card.

I don't know why none of the banks here offer cards with smart chips to reduce the chance of that sort of stuff happening..

Edited June 26, 2007 by Infidel

[one...two...tree 2,762]

Last week my husband noticed some unauthorized purchases on his credit card when he checked the account online. They weren't for large amounts but they were made on a day that he had not made any purchases - there were five of them he didn't recognize. He contact the credit card company and they were able to ascertain fairly quickly that his card had indeed been compromised. They cancelled it right away and overnighted a new card and number for him. Good luck on getting it all sorted out quickly. Your bank is unlikely to hold you liable for the fraudulent withdrawals.

I've had it happen as well...unauthorized internet purchases. I contested the charges and they were able to take them off my account in about 10 days.

[Nancy2015 2]

By law, you are protected under Reg E when fraudulent electronic activity takes place in your account. You have reported the incident and the bank will complete an investigation. Once they determine that you did not, in fact, make those withdrawals, they will credit the funds and any associated overdraft fees back to your account. In the mean time, make sure the card that was compromised is blocked from further activity and have a new one, with a new number issued.

I'm sorry this happened to you. Thieves suck.

Sorry it happened to you, but you're gonna be okay - you'll get your money back.