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bank says its not possible??
Old 07-20-2018, 12:08 PM
  #1

For the seond time this year i had money stolen from my bank account because my debit card was used, even though it was still in my posession last time it was $700, this time it was over $600. both times, i had accidently used my debt card at a gas station instead of my credit card when i was in a hurry. it was two different gas stations.
i asked the bank officer if someone could have gotten my debt card info from the gas station self sevice both times (Since both times, kt was the next day that my ebt card was fraudulently used)
she said “thats not even possible.”

i thougt this was a thing could happen? but she was quite adamant about it. yet it has happened to me twice.

meanwhile. i am getting rid of the damm debt card so i dont accidwntly use it again

(when i talked to the gas station the first time it happened, theya ssured me that could NEVER happen there, because they check their machines every day. ) yet. it.happened.



Last edited by PPCDTeacher; 07-20-2018 at 01:07 PM..
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It is possible.
Old 07-20-2018, 12:18 PM
  #2

Anything is possible when it comes to crime. IMO, bank employees (tellers) are not always knowledgeable about what is possible. You need to talk to the bank manager or a personal banker.

I'm sorry you are having to deal with this.
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Very Possible
Old 07-20-2018, 12:18 PM
  #3

Bummer!! It is very possible for your card info to be stolen when you still have it in your possession. I work at a Credit Union. We deal with issues like this daily. Thieves love to target outside gas pumps, installing skimmers that look like they are part of the payment slot on the machine. Many also have small cameras that collect PIN data.I highly recommend using only a credit card. Then, at least, if info gets into the wrong hands, it is borrowed money, not your account. Then the card company will usually refund it if you fill out a dispute form. Also, if your institution has a card lock system, ours is called CardGuard, that you can lock your cards from your cell when you are not using them, install that, too. I use my Visa, an pay it off every month to avoid finance charges.

Last edited by Coopsgrammy; 07-20-2018 at 12:20 PM.. Reason: punctuation
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Old 07-20-2018, 12:19 PM
  #4

Was it a debit card. I use a credit card for all my purchases and pay it off at the end of every month. That way if something did happen the credit card company would come in and fight for you.
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Absolutely it can happen
Old 07-20-2018, 12:20 PM
  #5

Do they not read any news?

Skimmers are rampant on gas pumps. My son lives in the Orlando area and it is a huge issue.


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Old 07-20-2018, 12:23 PM
  #6

Never use debit cards except at your bank. That's been my mantra for years. Gas stations with scams are chatted about around here on the Next Door app. Neighbors warn each other about gas stations and convenience stores.

The bummer about debit cards is that you are not reimbursed if a crime is done against you.
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Old 07-20-2018, 12:24 PM
  #7

My debit card info got stolen from a gas station skimmer. My credit union immediately refunded me all the money and from that moment on, I only use a credit card or pay with cash.

I'm shocked your bank would tell you it's not possible. I thought by now, skimmers are common knowledge.
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Old 07-20-2018, 12:27 PM
  #8

i filled out some fraud paperwork today to get my money back. i hope it wont take long. i cant recall how long it took last time.

the lady at the bank was extremely conddscending and rude. so i wasnt exactly believing anything she said anyway
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Old 07-20-2018, 12:35 PM
  #9

It happened at an independent gas station in my old town and was well publicized. But it was debit cards. I donít know what debt cards are.
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debit card
Old 07-20-2018, 12:59 PM
  #10

I would report it to local police. Other people using other banks may be facing the same problem. Also contact main office of gas company could it be dishonest employees? Talk to the bank again go higher up...or call state banking office.


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Old 07-20-2018, 01:54 PM
  #11

There was a news segment a few days ago here on the local news about being careful at the pumps. They showed what a card skimmer looks like on the gas pump, and they showed a little camera thingy that went below the number pad that records you pressing the numbers for your pin.
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Can happen
Old 07-20-2018, 03:17 PM
  #12

Our debit info was stolen several years ago. Charged were made to various retailers in the northeast. Bank said they probably ordered gift cards.
I discovered it before charges even cleared -- they were still pending, almost $2000 worth. I filed fraud papers and the charges still cleared. However my bank issued "provisional credit" for every charge so I lost no money from my account. In the end, I lost no money and didn't pay any fees.
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bank
Old 07-20-2018, 03:44 PM
  #13

This just happened to my dd. Her debit card showed 3 transactions that were not hers. It was weird because two transactions said $0 pending and the 3rd one said $1 pending. They were all from places she would not visit and in another state. We went to the bank the next day and cancelled and got a new one. Who knows, maybe the next transaction would be $500
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It happened to me twice
Old 07-20-2018, 05:05 PM
  #14

It happened twice within a month, both at the gas station. The fist time I used the debit card at the pump. The next time I used it in the station with the same result. I was ripped off, but the my bank was really good about the whole situation. I was referred to the fraud department and after 3-5 days I was refunded all the money stolen and the overdraft fees. My account number was changed and a new card was issued. I never swipe at the gas station, I always pay with cash.
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Old 07-20-2018, 05:09 PM
  #15

My husband traveled a lot for business and his credit card was skimmed at a gas station on Hegenberger Rd. which is near the Oakland airport. The credit card company called us the next day and told us that the card had been used to go to Puerto Rico. Uh..no not us. So yes it can and does happen so the bank employee that told you no should be fired for stupidity. You should change banks because the employees at your current bank are incompetent and rude. Sheez...

PS - get rid of that debit card for the same reasons that cemsnowy4 stated.
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Possible
Old 07-20-2018, 05:22 PM
  #16

Iíve had it happen twice- one was a big case and I was even called by the FBI!

I never lost any money. The charges were immediately covered while my bank investigated. Everything was resolved pretty quickly.
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Skimmer
Old 07-20-2018, 07:35 PM
  #17

Yes it is possible! It happened to me. We were on vacation in DC. The only time I used my debit card the whol trip was to buy donuts and to refill the rental car before returning it. My bank said it was either an air reader at Dunkin Donuts where they can get your info when you have your card out waiting to pay (unlikely) or a skimmer on the gas pump (probably.) They got $700 before the bank shut them down. Money was back in my account in 48 hours.
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Old 07-20-2018, 07:36 PM
  #18

thanks everyone. when i get my new bank card in the mail, is going into my dresser drawer.

so if i use my credit card at the gas station self serve, is it safer? since i am not putting in a PIN?
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Credit is safer
Old 07-20-2018, 07:48 PM
  #19

Credit is safer for a few reasons. If credit info is compromised, the card company will back you up, some even offer free identity theft protection. If your debit card is compromised, thrives have access to any funds linked to that account. Also, many banks don't cover fraudulent charges on a debit card.
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Old 07-20-2018, 07:49 PM
  #20

A debit card draws directly from your checking account. It is like writing a check.
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Old 07-20-2018, 09:32 PM
  #21

Safest is to go inside and run it with the cashier. I did not use my pin when I was skimmed. I also learned that they usually run a test amount $2 or less first. They bought two $2 comes from a machine that accepts cards at two different locations before hitting up Best Buy. Thankfully I have a big nationwide bank so they quickly backed me.
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Old 07-21-2018, 05:09 AM
  #22

It is 100% possible!!! I had it happen three months ago. I used my card at a gas station and the next day my bank called me to ask if I had bought $85 worth of stuff in Florida. They were really on top of it. I contacted the gas station and they discovered that someone had installed a skimmer on several of the gas pumps.


What a headache!
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We've had
Old 07-21-2018, 07:31 AM
  #23

our card compromised and right away our credit union cancelled the card and re-issued a new one. This advice came straight from them. The same thing with my father's account.
Sounds like you need a new bank.
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