Capital One Debit Card Compromised

These things aren't systemic. Your info got swiped by someone. The bank had nothing to do with it.

I meant to reply to the OP.

This happened to me a few years ago. Shopped at Walmart (never again) and used my debit card. Two days later someone had purchased two 400.00 walmart gift cards with my card number. Apparently an employee in their back office pulled my card info, went to another walmart, and had someone manually key in my card number to make the purchases.

Happened with my amex a few times, they catch it before me, refund the money instantly and overnight me a new card. I never, ever use a debit card anywhere. I'm not interested in fighting/waiting to get my own money back.

I think "I bought" about 500$ worth of crap about 3 years ago using my debit card in Dominican Republic while I was living in DC. Happened right after I used my card at a local pizza joint.

quote:

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Never use a debit card online

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Or anywhere else to buy anything ever.

The only safe and limited use for a debit card is to get cash from an ATM located INSIDE the physical premises of a bank. Not the drive up ATM outside your local branch, not your bank's ATM or another national bank's ATM in a public place and certainly not from a private nonbranded ATM.

Inside a bank, with all the security protocols, surveillance and limited physical access to the machine itself, is the only way to be confident the machine isn't tampered with or modified with a third party skimmer, camera/surveillance mechanism or other spyware device.

In addition to my own personal experience with getting skimmed at a non branded ATM, I have family in the banking business and IT security that confirm this is the best way to use debit cards (if ever).

Krebs on Security has an extensive series on debit cards and the ample ways they can be compromised.