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Started By
Message
Debit card was compromised, any actions?
Posted on 2/25/13 at 10:50 am
Posted on 2/25/13 at 10:50 am
They ran up a bunch of purchases, called capital one they say nothing can be done until they are no longer pending. So am I basically screwed on this or will I actually be made whole again?
5
Posted on 2/25/13 at 11:03 am to geauxtigers87
You will have to wait for them to actually post to your account, then you can file a claim on them and get back all your money plus any fees you may have incurred
Posted on 2/25/13 at 11:04 am to geauxtigers87
If you have not already done so, close your debit card.
Posted on 2/25/13 at 11:09 am to Kingwood Tiger
Have closed the card, so I will get everything back? I was worried because it is Capital One that I would get hung out to dry on it.
Posted on 2/25/13 at 11:13 am to geauxtigers87
don't know about Capital One specifically, but I'm sure you will get all your money back. I'm with a local bank, and after the charges post you can file a dispute and get your money back.
This actually happened on my debit card last Thursday. The only thing they got was a redbox movie for $2. they tried to make a large purchase at Wal-Mart, more than my account had in it so it got declined
jokes on them, friggin douchebags
This actually happened on my debit card last Thursday. The only thing they got was a redbox movie for $2. they tried to make a large purchase at Wal-Mart, more than my account had in it so it got declined
jokes on them, friggin douchebags
Posted on 2/25/13 at 11:17 am to geauxtigers87
quote:
so I will get everything back?
The only way a bank can legally not return your money is if they can prove you were careless in your card security including having an adequate PIN and securing it. They may ask you to help them try and determine how someone got your card number and PIN.
How much money are we talking about here? If it's just a few hundred dollars the bank will usually not even question it and just refund your money into your account.
Posted on 2/25/13 at 11:18 am to geauxtigers87
They ran them through as a CC I assume. Basically the bank will file the claim through VISA or MC. If they somehow used it as a debit the claim is directly with the bank. As long as you report the issue in a timely manner and file an affidavit you should get your money back.
Its a bit more of a PITA if they did it via debit and you could be out a certain amount in that case. But you are fine if its via CC.
Its a bit more of a PITA if they did it via debit and you could be out a certain amount in that case. But you are fine if its via CC.
This post was edited on 2/25/13 at 11:20 am
Posted on 2/25/13 at 11:19 am to LSURussian
yeah less than 300 so far, they bought 200 dollars worth of stuff on some mtv site in Italy and 2 others on I tunes.
Posted on 2/25/13 at 11:23 am to geauxtigers87
If its less than 300 you dont need to worry about anything since you reported it. 50 is the max for CC normally waived. But with a debit it goes ETFA which can be 500 if you dont report timely and you are screwed if you report > 60 days.
Posted on 2/25/13 at 11:27 am to Catman88
This. You have to report unauthorized transactions as soon as possible. Close the card as if it was stolen then you fill out a form for the bank stating as such. You should have the funds returned to you.
Posted on 2/25/13 at 11:50 am to geauxtigers87
You should never purchase anything with your debit card anyway... Should only use it to take cash out 
Posted on 2/25/13 at 12:29 pm to BACONisMEATcandy
Thats stupid.
Using it 10x per month and get 3% or more interest on checking and ATM fees back from many banks makes perfect logical sense and should be championed on the MB.
Using it 10x per month and get 3% or more interest on checking and ATM fees back from many banks makes perfect logical sense and should be championed on the MB.
Posted on 2/25/13 at 12:34 pm to Catman88
quote:
Using it 10x per month and get 3% or more interest on checking and ATM fees back from many banks makes perfect logical sense and should be championed on the MB.
Credit Unions don't require the swipes and have plenty of ATM's everywhere... I don't get 3% Cashback... I go for Delta Skymiles
But to each his own
I trust Amex more than any bank when it comes to fraud protection
Posted on 2/25/13 at 12:41 pm to BACONisMEATcandy
quote:
Credit Unions don't require the swipes and have plenty of ATM's everywhere
Huh?
I was speaking about the 3% reward checking that many CUs do that require 10 debits a month and refund ATM fees. Who doesnt require "swipes"? Use that with a reward card for everything else and you are making the best use of your bank and CCs.
Posted on 2/25/13 at 12:50 pm to Catman88
quote:
Who doesnt require "swipes"?
My CU does not... Sorry this is the only CU I've ever dealt with... I assumed that most were like mine... guess I was wrong
Posted on 2/25/13 at 1:26 pm to BACONisMEATcandy
Which CU is that? The main reason they offer this is that they make money on these "swipes".
Posted on 2/25/13 at 1:31 pm to Catman88
I don't want to say... but I should have known mine was not the same as most of the others
Posted on 2/25/13 at 1:46 pm to geauxtigers87
Happened to me a couple years ago. It is called skimming. They get your pin number and make a new card.
Cleaned out my checking account in less than a day. I found out when my debit card was NSF at the grocery store. Looked at my account online and had a ton of withdrawals from ATM in NY city. I am in Houston.
BofA credited my account immediately.
Cleaned out my checking account in less than a day. I found out when my debit card was NSF at the grocery store. Looked at my account online and had a ton of withdrawals from ATM in NY city. I am in Houston.
BofA credited my account immediately.
Posted on 2/25/13 at 1:56 pm to Butterfingers
Should I check and see if my SSN was compromised as well? If so, how do I do that?
This post was edited on 2/25/13 at 2:01 pm
Posted on 2/25/13 at 3:10 pm to geauxtigers87
I wouldnt think so but I would make sure you follow up with your bank. Your debit card shouldnt be tied to your ss#.
This wont be the first time Capitol One has seen this. They knew what it was when it happened and after the card was cancelled and my account was credited, I never had any other issues.
These people just get your debit card data and get your money out and then they are gone.
This wont be the first time Capitol One has seen this. They knew what it was when it happened and after the card was cancelled and my account was credited, I never had any other issues.
These people just get your debit card data and get your money out and then they are gone.
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