My check card number has been stolen lost $800

[Maine-ah]

need some advice...charges to airlines (multiple) - dating sites - skype - they even have my fucking cell phone number. Cancelled my check card but my local bank doesn't open till tomorrow.

[KingFlorez]

1. I would call up all of the sites and explain to them what happened

You have to wait to speak with the bank, but it doesn't hurt to do a little work in advance. If fraud was involved, those sites should reverse the charges since you didn't authorize them. They'll have investigate, but it's good to start the ball rolling early.

[Extend a Hand]

2. usually there is a 1-800 number

you can call to report a lost or stolen card anytime.

[PA Democrat]

3. Pretty sure your liability is limited to $50 if you report it to the bank within 2 business days.

Check your card and call the toll free number to report it right away. They should answer 24/7. Link below has more info on liability. Good luck to you.

http://banking.about.com/od/checkingaccounts/a/stolendebitcard.htm

[Maine-ah]

7. just found out with my debit card

my liability is zero :)

[GreenPartyVoter]

10. Phew! *hugs*

[PA Democrat]

14. Great news.

:-)

[proud2BlibKansan]

37. Same here

Which is one reason I stay with my evil corporate bank. :)

[Gecko6400]

4. Hopefully

you opted out of the overdraft protection clause in the recently revised law.

[ProdigalJunkMail]

5. what is the date of the first fraudulent charge...

you will not have more than 48 from that point to notify the bank. they tell you 48 hours from the time it is missing...

sP

[Balbus]

19. Stop it. According to FDIC Regulation E, the banks have to, by law, allow her

60 days from the first statement the charge appeared on. But every bank I know will allow 120 days, because that's the amount of time VISA will allow for the banks to recover funds from the merchants that are used during the fraud.

[Statistical]

25. Not true.

Liability for debit cards is

up to $50 (some banks can and do have lower limit) if reported in less than 48 hours from theft,
Up to $500 (some banks can and do have lower limits) if reported in more than 2 days but less than 60 days.
Unlimited if reported more than 60 days from theft.

http://banking.about.com/od/checkingaccounts/a/stolendebitcard.htm

[MajorChode]

45. I my experience I've never seen a bank charge anything

I've had three different instances of fraudulent charges with three different banks and in all three instances the bank reimbursed me in full once everything was processed.

[CreekDog]

51. That poster is wrong

because the text they posted doesn't agree with and is not found in the link posted with it.

one hopes they will correct their error.

[MajorChode]

52. I'm not saying it's wrong or right

I'm just saying I personally haven't observed banks collecting anything from victims of fraud so long as they reported it timely enough. This is based on my own experiences and talking to people in similar circumstances, all of which is anecdotal.

[CreekDog]

50. What gives, why are you attempting to mislead the OP?

you reference 48 hours, but your link says nothing about 48 hours, it says TWO BUSINESS DAYS.

"...within two business days after learning of loss or theft of your card or code."

*BUSINESS DAYS*

*LEARNING OF*

Meaning something far different than you posted.

[LanternWaste]

55. Lies, damned lies, and... nt

Lies, damned lies, and... nt

[GoCubsGo]

21. Not true.

I had the same thing happen to me this spring. I didn't find out until three or four days later. The bank resolved the issue and my money was returned within a week.

[proud2BlibKansan]

39. I got my money back in 5 minutes

Before I was even off the phone, the funds were back in my account.

[Maine-ah]

35. my bank requires 48 hours

from when I found the fraudulent charge. So, I found it today and notified them today by cancelling my card with their 24 hour number, but will have to go to my branch tomorrow.

[ProdigalJunkMail]

46. given that info I would say you are not on the hook for much at all

maybe the $50 and perhaps none at all depending on the bank.

pays to keep an eye on those things. i drove off with my wallet on top of my jeep several years ago and didn't realize it for a couple of days and i was fortunate...i found it on the side of the road :-)

sP

[Gormy Cuss]

6. Since your cell # is also involved, set up fraud alerts with all three major credit bureaus.

Here's the link for Equifax.
http://www.equifax.com/answers/set-fraud-alerts/en_cp


Transunion and Experian are the other two.


eta: this is in addition to notifying the bank and cell carrier.

[Maine-ah]

8. sweet thank you!

[Pisces]

9. same thing happened to me, but I was fortunate that my bank did not allow the

charges to go through. I bank with Midland bank, a small bank ( switched from Large bank) and they did not allow charges to go through from another state. If your bank does not credit you back
your money I highly suggest switching.

[Maine-ah]

36. heh, if they don't give it back to me

I can't pay my mortgage, which they hold.

[flamin lib]

Happenen to me as well.

Look for a very small charge, say $1.00. If you have one you're a victim of a random number generator. A computer generates random numbers in the form of card number + exp date + ID code and attempts to buy something like a Netflix movie. When it completes a transaction it alerts the computer's owner and the thief uses your card for purchases. It almost always happens on weekends so your bank is closed. There is no defense against this kind of theft.

My bank's automated systems noticed the unusual activity and flagged the transactions as credit card use which gave time to resolve the issue before transferring funds. These transactions show as "pending" on line. I got all of my money back and the merchants ate the loss.

If you have a Paypal account cancel it immediately because that's the next target.

[pdxbecca]

11. My debit card was stolen last month

On the weekend. I noticed the day it was missing and $460 was missing from my account. I called the bank (B of A) right away to cancel the card and was told I needed to wait until the charges were posted (they were pending) to file a fraud claim. As soon as the charges posted I called the claim dept. They credited me back the full amount the next business day and mailed me a form to sign stating I did not authorize the charges.

[pipi_k]

12. Sometimes it happens without your card even leaving your wallet or purse...

Last month Mr P found out that someone had used his debit card number to buy stuff in Boulogne, France.

He hasn't been out of this country since the late 1950s.

Needless to say, it was a pain in the ass for him to cancel the card, get a new one and have that one not work, get another one, then have to wait another week for the bank to send him, by USPS, a new PIN.


One thing I really would like to see happen, and I've only seen it at a local Goodwill store, is that ID is required when using a debit card in person.

Also, I would like to see debit cards come with one of those three-digit security code numbers that charge cards have and for all online merchants to ask for this number.

I think those two measures would cut down on the amount of debit card fraud, although I realize that it can't completely eliminate it.

Damn. Crooks suck.

[backscatter712]

15. When I sign my debit card...

I write the words "See ID" next to my signature.

Not every cashier who runs my card asks for my ID, but a lot of them do, and that's enough to at least minimize the damage if somebody steals my card.

[tammywammy]

17. That was my dad's tip many years ago

I don't even sign the back, it just says it thick black Sharpie "SEE ID".

[WillowTree]

22. Better yet, "See photo ID"

[pipi_k]

24. Do they always ask for your ID? n/t

[backscatter712]

26. Not always, but relatively often with me.

I don't normally make a big deal of it, but I'll thank the cashiers that do - they're paying attention.

[tammywammy]

28. No, not always.

But I think it does increase the chance they will ask.

[pipi_k]

23. Good idea!

Do you ever point out to a cashier who doesn't ask for ID that s/he should have?

Also, do you usually hand your ID over without being asked, or do you wait for the cashier to ask for it?


I think I will probably put the same thing on mine as you did...

[karynnj]

34. Some cards will actually refuse to except a charge in a foreign country

We found this out when Chase rejected my daughter's ATM card and her credit card when she tried to use them in Germany, where she was studying abroad. Luckily, it was the business day in the US and we had made sure that her phone could call the US - my husband was able to speak to the local Chase bank and get it turned back on because he was on the account.

Their policy is they needed to be told that foreign charges will occur. (We just went to Spain and I stopped in to let them know.)

[EC]

13. I think you'll need a police report

for proof, so report it. Some homeowners policies have id theft coverage...check yours..

[pdxbecca]

16. B of A told me a police report was not required

so I didn't file one. Might depend on the bank.

[rasputin1952]

20. It's always a good idea to get a police report anyway...

for one thing, it exonerates you, for another, it can go into a fraud data bank and the perpetrator could be caught. In many transactions, you are actually photographed when you use the card, like at an ATM. The other thing is, if telephonic or internet purchases were made, there is a trail that can be followed

[Maine-ah]

38. I have a friend who is a cop

and he said I have to start with the bank.

[Balbus]

18. self delete

[meow mix]

27. happened to me too, now i only use a walmart card. (bleh)

but i can load it just when i need to use it, take that bank robbers. now i can shop for indoor growing supplies with safty.

[MrsBrady]

29. charges to airlines?

Surely they will get caught trying to fly?
maybe you should call the police.

You wouldn't want you name on a no fly list? I have no idea how that works.

Are they trying to leave the country using your name? EEK?

[Maine-ah]

40. I called American Airlines

and the ticket was used, flight had left this morning. They refused to give me more info. I suggested the arrest the bastard when the plane landed. Doubt that will happen.

[MrsBrady]

44. I'd call the police on that one...

ick....

I wouldn't want to be accused of funding some kind of crime person...ick.

[SoCalDem]

30. Probably the same scam that my sweetheart of a bank refused to pay

& called me to ask if I had used my debit card. It was a UK site & it's not a new scam.

Shame on your bank for not having a better loss prevention team..

It almost always involves airline & communication charges..

You should not have to pay a DIME..

[a la izquierda]

31. this happened to my husband...

Chase took care of everything for us.
And as I was typing this, he got an email that his credit card had been used for some weird transaction. Luckily, the bank caught that, too.

[tammywammy]

32. My dad's credit card company is pretty good

I have a credit card with my dad, that covers certain expenses that he helps me out by paying for. One year I needed new glasses, so he said to put it on that card. Anywho, off at the eye doctor, racking up a bill (I had shitty vision insurance) and my dad's credit card company called him to verify the purchase after it was all said and done.

I think this was with Chase or Capital One.

[karynnj]

33. Look on your card - there is usually a 24 hr / 7 day a week number

Call them immediately. You did the right thing canceling the card. I assume that was done without speaking to a person.

When you call them, you will likely be transferred to their identity fraud experts and they will help you straighten this out, getting those charges off your bill and getting you a new card. They will also likely have you put something with the credit agencies that would require them contacting you if anyone tries to use your identity for a new card there or elsewhere.

Sorry to hear that you had this experience - it is a pain.

[Maine-ah]

41. I called my 800 24hr line

spoke with an actual human being. :)

Small local bank. I have to go there in the morning.

[karynnj]

49. great that they had someone on the 24 hour line - it sounds like they

will be very helpful quickly fixing things. One thing you gained may be the knowledge that your local bank is a very good one.

[prolesunited]

42. File the police report anyway

It will help keep the problem from escalating. You can use the report to put a freeze on anyone taking out credit with the three major agencies. Any application for credit in your name will be flagged. You can still get credit with extra steps to verify your identity, but no more instant credit that the fraudsters use. Also, sometimes accounts get sold and unscrupulous collectors will go after you. A police report will put a stop to that. Unfortunately, I know all this from experience -- both as a victim of ID theft and from someone getting my ATM card numbers.

This kicker is that YOU are not the victim in this, according to the law. The bank is the victim and the cop told me they don't even pursue these small cases. Small to the bank, but huge to you when you can't pay a bill as you wait for it to get straightened out.

[MajorChode]

43. I had a similar incident happen to me

My bank (a local credit union) required me to fill out the paperwork before they would credit the charges. They also wouldn't even begin to process the paperwork until the charges were actually posted to my account. Also my bank reduces my available balance even before the charges are posted, so my balance was reduced on Friday evening, but it took until Tuesday before the charges actually appeared (my bank is notoriously slow about such things). However on Saturday they knew who the charges were from and we determined they were fraudulent. On Tuesday when the charges actually posted, they processed the paperwork, but it took until Thursday until my account was reimbursed.

The biggest hassle was the loss of my debit card, which took over two weeks to get replaced. Fortunately my wife's debit card has a different number so we didn't have to cancel that one.

[applegrove]

47. I know it feels horrible to have someone messing with your banking. It happened to me.

This too shall pass.

[GSLevel9]

48. no biggie...

the bank will cancel the card and automatically credit the account the amount of the fraud. I've had it happen a couple times and B of A and Chase both covered it...

[crim son]

53. Remember when somebody got into Hannaford's records?

They got me for $650, and my bank at the time handled it very quickly. No fees, full reimbursement. I hope it goes as smoothly for you.

[derby378]

54. I feel for you - I've been there

My check card was stolen and used at a neighborhood K-Mart to buy all sorts of stuff. Fortunately, the cops tracked down the robber, and I got all of my money back.

Good luck to you. :hug: