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Question about potential fraudulent charge on my debit card account?

Posted on 8/1/19 at 9:53 pm
Posted by Will Cover
St. Louis, MO
Member since Mar 2007
38619 posts
Posted on 8/1/19 at 9:53 pm
I’ve used my debit card once this week since being out of town. I purchased just over $5 worth of items at Target.

I’m now seeing a charge of $60 at a pharmacy (located in same city as I am in currently - out of town) that I have never stepped foot into.

Is it reasonable to think that my card may have been hacked at Target? Or purely coincidental? How does this work (fraud)?
This post was edited on 8/1/19 at 9:54 pm
Posted by Geauxtiga
No man's land
Member since Jan 2008
34377 posts
Posted on 8/1/19 at 9:55 pm to
Call your cc company, report it, and they will correct the charge, cancel your card and issue you another one.


ETA: Just saw it was a debit card. Not sure if you’ll get money back.
This post was edited on 8/1/19 at 10:00 pm
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
25455 posts
Posted on 8/1/19 at 9:55 pm to
Are you retarded?
Posted by PrivatePublic
Member since Nov 2012
17848 posts
Posted on 8/1/19 at 9:56 pm to
Don't think of it as fraud. Think of it as advance reparations.
Posted by Winston Cup
Dallas Cowboys Fan
Member since May 2016
65508 posts
Posted on 8/1/19 at 9:56 pm to
Your wife was just buying pregnancy kits and didn’t want to run into someone she knew. I wouldn’t worry about it
Posted by Rouge
Floston Paradise
Member since Oct 2004
136855 posts
Posted on 8/1/19 at 9:58 pm to
Had that happen also. Took place this morning

Bank caught it first and contacted me

Some assclown tried to spend $400 at a RiteAid in California

Getting new card
This post was edited on 8/1/19 at 9:59 pm
Posted by Sao
East Texas Piney Woods
Member since Jun 2009
65974 posts
Posted on 8/1/19 at 9:59 pm to

Call them and tell them you'll only pay $40.00. If they play hardball, walk.
Posted by Captain Crackysack
Member since Oct 2017
2231 posts
Posted on 8/1/19 at 9:59 pm to
Fraud is a dime a dozen these days, baw. Jus6 call Sanjay over at the call center and he will get you taken care of
Posted by Ingeniero
Baton Rouge
Member since Dec 2013
18335 posts
Posted on 8/1/19 at 10:00 pm to
quote:

I’m now seeing a charge of $60 at a pharmacy (located in same city as I am in currently - out of town) that I have never stepped foot into.
Isn't that about how much Plan B is?
Posted by Green Chili Tiger
Lurking the Tin Foil Hat Board
Member since Jul 2009
47697 posts
Posted on 8/1/19 at 10:00 pm to
quote:

hacked at Target?


Probably some transgender that was there to use the bathroom.
Posted by BACONisMEATcandy
Member since Dec 2007
46644 posts
Posted on 8/1/19 at 10:10 pm to
Why anyone swipes a debit card I will never understand
Posted by pwejr88
Red Stick
Member since Apr 2007
36210 posts
Posted on 8/1/19 at 10:19 pm to
Yes it’s fraud. Very common now at Walgreens and other places with gift cards.
Most likely got hacked while at Target.

Your bank, by law, will reimburse you within 72 hours once you report it.
Posted by Miketheseventh
Member since Dec 2017
5834 posts
Posted on 8/1/19 at 10:29 pm to
quote:

Call your cc company, report it, and they will correct the charge, cancel your card and issue you another one. ETA: Just saw it was a debit card. Not sure if you’ll get money back.


This. It happened to me one time and I called them and they canceled my card immediately. FWIW mine was a debit card and they reimbursed me for the charge.
Posted by redstick13
Lower Saxony
Member since Feb 2007
38620 posts
Posted on 8/1/19 at 11:00 pm to
Credit cards are insured unlike debit cards. It will be up to your bank to decide if they will reimburse you. I dropped Bank of America because they refused to reimburse me once for some fraudulent charges.
This post was edited on 8/1/19 at 11:02 pm
Posted by ReauxlTide222
St. Petersburg
Member since Nov 2010
83599 posts
Posted on 8/1/19 at 11:24 pm to
Are you 5?

Ask your wife if she bought anything.

If she didn’t, think long and hard for 10 minutes about what you’ve spent money on.

If you still can’t figure out who spent the money, cancel your card and go take it up with your bank.
Posted by WhiskeyThrottle
Weatherford Tx
Member since Nov 2017
5355 posts
Posted on 8/2/19 at 6:52 am to
If they didn't use the PIN number it rides VS/MC credit guidelines and you're covered. Bank will process a chargeback and you'll get your money back.

If they used your PIN, you're basically out of luck. Much more difficult to commit fraud while using a PIN.

You'll never know the source of how your data was obtained. And it is NOT safe to assume because you used your card at Target, that they are the source of your breech.

There are thousands of ways card data gets stolen including finding vulnerable online vendors and running scripts to run through card numbers to find valid ones. There are lots of safe guards against it but it happens at times.
Posted by BigB0882
Baton Rouge
Member since Nov 2014
5310 posts
Posted on 8/2/19 at 7:10 am to
So the charge took place out of town, while you were out of town? Yet the most recent use was at a Target where you live? Seems quite the coincidence that someone stole your card and ran away to use it in the same place you are now visiting. Highly highly unlikely. Are you sure no one got a hold of your card sometime on your trip? Were you in an airport? Sometimes those airport kiosks and stores show up with weird names.
Posted by p&g
Dixie
Member since Jun 2005
12995 posts
Posted on 8/2/19 at 7:21 am to
You went to target to scope out milfs and munch on 2 bags of popcorn huh?


Solid.
Posted by Cromulent
Down the Bayou
Member since Oct 2016
2822 posts
Posted on 8/2/19 at 7:26 am to
Call and report to your bank. If your bank is worth a crap, you will be reimbursed. I have Capital One and was refunded the same day.
Posted by phutureisyic
New Orleans
Member since Aug 2016
3370 posts
Posted on 8/2/19 at 7:33 am to
How did you only spend $5 at Target?
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