POS Ran My Card Up!!

[fat rat]

I have a debit card that I use for small purchases, I rarely let it out of my site. I get a call from B of A saying something in reguards to unusal use. So I get home and check my online account and sure enuf they ran up over a thousand dollars at Giant. They did three seperate transactions ($300., $600., & $300.) and tried for a forth, but were denied. How did they get my info without having the card?

 

[Gelcoater]

The wife was telling me 2 people at work have had the same thing happen.I bet you have used that card to fuel up a car or truck?She said something about some kind of scan deal people do at gas stations. Since she heard about this we use cash only to buy fuel.:thumbsdown

 

[fat rat]

No fuel...............mostly lunch, coffee and Home Depot!

 

[C-2]

Card swipe anywhere you might have used the card in the past - gas station, dinner, anywhere you paid with an ATM or provided your card number too.

BofA is pretty good about it. Has happened twice to me.

Anymore it's not a question of "if", just when your cards will be compromised.

Best way to minimize risk is keep a minimum amount of money only in the account; enough to pay the bills, get gas etc..

Keep your other money in other non-atm linked acccounts.

 

[WTDecker]

I hate debit cards, someone gets it and can clean you out. Been there, took a month to get money back from Bank. But I did get 100% of the money back from Bank since they raised my credit limit without telling me.

 

[Mr. C]

The wife had hers hacked 2 weeks ago also. Our credit union thinks they either got it from the Giant truck stop by us or used one of the scanners through her purse. $500 at both Chase and B of A. I think they hit one at 11:45pm and the next at 12:15 am if i remember correctly. At least they corrected/covered the charges without a hassle. Had a new card within 2 days.

 

[MMD]

Card swipe anywhere you might have used the card in the past - gas station, dinner, anywhere you paid with an ATM or provided your card number too.

BofA is pretty good about it. Has happened twice to me.

Anymore it's not a question of "if", just when your cards will be compromised.

Best way to minimize risk is keep a minimum amount of money only in the account; enough to pay the bills, get gas etc..

Keep your other money in other non-atm linked acccounts.

OK, that makes sense but that means you need to go to the bank to get money into and out of that account if it's not linked to any, right?

 

[t&y]

Identity theft, or theft by access card.... One of the fastest growing crimes out there.

Given that you actually used it, it was probably a card swipe like mentioned above. I'm guessing the "Giant" doesn't have cameras around.

A couple years ago somebody got my Discover card info. The only time I ever use that card is at christmas. I still have no idea how they got it unless they stole mail out of my mailbox.

A lot of investigators actually suggest you use a credit card for everything vs debit. That way if they do get it they are spending the credit card company's money and not yours. Trade off is you are paying the interest.

Get your report taken, call the Credit company's and get your Credit locked. I know in your case they didn't start up a whole new card, but it never hurts to get the extra protection now.

 

[C-2]

OK, that makes sense but that means you need to go to the bank to get money into and out of that account if it's not linked to any, right?

Not necessarily, you can link the accounts for online or telephone transfers only. I have my accounts set up that way; they are linked, but not via atm. I deposit money into my business account and then go online to transfer it out (or it can be done over the phone).

 

[t&y]

What pissed me off when it happened was the Bank won't tell you where it occurred. I'd like to know where not to shop.

After a month I noticed all the CitiBank ATMs had new, clear blue covers on all the card scanners. :hmm

I didn't notice any fraud myself, the bank called me and said they were canceling my card and to come get a new one. The only hassle was going into the bank and waiting 2 days for a new card.

It's pretty hard for the bank to tell you where they got your information. You should be able to see whereever it was used though. Gonna need that info for whatever Police or Private Investigator research's the case.

 

[t&y]

Yeah, I am guessing they identified some device and to be safe contacted all the people that used the same location between a set of dates.

Yeah that's possible to a point. I remember I think 2 years or so back there were a few Grocery store locations where someone actually brought in their own scanner and key pad and set it down in front of the Satelite bank at the location. Nobody noticed the extra scanner and people used it non stop. It was on the news and I think it was pretty much isolated to a few stores around the I.E.

Scarry thing about the scanners it you could carry on in your pocket. Think of a waitress at a resturant. They always take you card back to scan it. Would only take a few seconds to swipe it before actually swiping the machine to pay.

 

[460]

We caught a guy here saturday that the police have been trying to track down for a year now. he hit me in aug and again the 26th. Dipshit made the mistake of comming back and trying to fool my asst. He left here in handcuff. One less piece of shit on the street

 

[t&y]

We caught a guy here saturday that the police have been trying to track down for a year now. he hit me in aug and again the 26th. Dipshit made the mistake of comming back and trying to fool my asst. He left here in handcuff. One less piece of shit on the street

Love rolling to calls where a citizen is detaining. Even better when the suspect tries to get away!

Good feeling when you get to affect some turd's life in that way isn't it??:thumbsup

 

[cruzer]

We caught a guy here saturday that the police have been trying to track down for a year now. he hit me in aug and again the 26th. Dipshit made the mistake of comming back and trying to fool my asst. He left here in handcuff. One less piece of shit on the street

Thank you for your service in this matter. Feel free to repeat as needed.

 

[pronstar]

My card is just the opposite.

WFB keeps deactivating it due to "suspicious activity".
So they read me a list of transactions, and they're always legit.

Sucks ass when you go to buy something and about once per week, your card is declined.

Sucks even more when I'm refueling and can only get a half-tank in before I have to make a 20 minute phone call to get my card activated again.

 

[Gelcoater]

My card is just the opposite.

WFB keeps deactivating it due to "suspicious activity".
So they read me a list of transactions, and they're always legit.

Sucks ass when you go to buy something and about once per week, your card is declined.

Sucks even more when I'm refueling and can only get a half-tank in before I have to make a 20 minute phone call to get my card activated again.

Same here,WFB has issues. Got to the point we went to a credit union,and kept the WFB only because some of our bills are E paid.

 

[Vmjtc3]

My card is just the opposite.

WFB keeps deactivating it due to "suspicious activity".
So they read me a list of transactions, and they're always legit.

Sucks ass when you go to buy something and about once per week, your card is declined.

Sucks even more when I'm refueling and can only get a half-tank in before I have to make a 20 minute phone call to get my card activated again.

Thats the worst! I hate it when you are trying to fuel up both boat tanks and the truck. I got to where I used two different bank cards so I don't have to call the bank after the truck and one boat tank at the same station.

 

[RitcheyRch]

I do the same thing.

You have to be careful. They have these devices that fit over the top of the card swipe deal. It reads the magnetic strip and they can copy your card with that information.

If its used as a credit card then that's all they need, many retailers only ask for your ID but don't ever look at anything but the names. I always be sure to Thank the businesses that ask for my ID and actually compare the picture and signature.

It was on the news last week that many people had their credit card info stolen from that truck stop.

The wife had hers hacked 2 weeks ago also. Our credit union thinks they either got it from the Giant truck stop by us or used one of the scanners through her purse. $500 at both Chase and B of A. I think they hit one at 11:45pm and the next at 12:15 am if i remember correctly. At least they corrected/covered the charges without a hassle. Had a new card within 2 days.

 

[OCMerrill]

My card is just the opposite.

WFB keeps deactivating it due to "suspicious activity".
So they read me a list of transactions, and they're always legit.

Sucks ass when you go to buy something and about once per week, your card is declined.

Sucks even more when I'm refueling and can only get a half-tank in before I have to make a 20 minute phone call to get my card activated again.

Wells Fargo is the same way. They turn the fraud on instantly and it has screwed me over several times. Buy gas two times in the same day and wham...on it goes. Shop at Traget 2x in the same day and here we go again. I freaking hate it and there is no way around it.

Now I have to call them and put a trip plan in place or they will shut the card when I need it on the road. Then you have to wait until morning, call the fraud dept, and ask to have it turned back on.

This is a double edged sword deal for sure.

 

[pronstar]

Now I have to call them and put a trip plan in place or they will shut the card when I need it on the road. Then you have to wait until morning, call the fraud dept, and ask to have it turned back on.

This is a double edged sword deal for sure.

I've gone ballistic with them so many times it's ridiculous.
It's my freaking money, and I need to spend it.

Didn't know about the trip plan deal...may have to try it.

The last guy I yelled at, I mean spoke to, said the system is adaptive and will learn your spending habits over time. I told him that I've been a damned customer since 1989 and the system should have figured it out by now.

 

[DaveC]

Nice work...:thumbsup:thumbsup

We caught a guy here saturday that the police have been trying to track down for a year now. he hit me in aug and again the 26th. Dipshit made the mistake of comming back and trying to fool my asst. He left here in handcuff. One less piece of shit on the street

 

[fat rat]

I just got an email from what looked like a B of A website. They wanted more info than you can imagine. Everything from pin#, email passcode, moms maiden name and site code, the list goes on. I contacted my local branch and they said that I had no alerts like this sent. They almost got me, but I'm sure it won't stop there.:bash:

 

[DaveC]

I tried to buy all my kitchen cabinets with my debit card.....

talk about making the fraud department at the bank have a cow.

the conversation that ensued was equally hilarious...

 

[t&y]

I tried to buy all my kitchen cabinets with my debit card.....

talk about making the fraud department at the bank have a cow.

the conversation that ensued was equally hilarious...

Lolol You gotta give them something to do everyonce in a awhile.:thumbsup

 

[Johnny_5]

my wife and sister in-law got hit right before xmas, that really screwed us up. bank reversed the funds, and all is back to normal, for now.

it was two cash withdrawls from a cash checking place in NJ, and a Popeyes chicken in NY...

 

[Havaduner]

I've started using my card more than I used to to make purchases and pay bills online. Is anyone a fraud prevention service? I know LifeLock is out there, but werent they indicted of their own scam or something? I got a letter from Citi Bank trying to sell me on their service. I know they all want a monthly service charge. Does anyone think it's worth it? Or should I just rely on WFB?

 

[TrailerQueen]

A few months ago some POS tried to use my AMEX at a gas station and Ross in Florida. I live in So Cal, and AMEX flagged it when they noticed I had purchased gas the night before in So Cal. I would highly recomment using AMEX - their customer service was excellent (their call center reps are from America), a replacement card was sent to me overnight, and the matter was resolved quickly.

I used to listen to Clark Howard when he was on KFI and he always recommended NOT using a debit card, as there aren't the same fraud protections as a credit card (i.e. you could be found liable for the fraudulent transactions). Whenever you have the option (at a restaurant, gas station, etc.) request to run your debit card as a credit card so that you have those protections if your waitress decides to pad her tip, etc.

 

[rivergoer]

my wife and sister in-law got hit right before xmas, that really screwed us up. bank reversed the funds, and all is back to normal, for now.

it was two cash withdrawls from a cash checking place in NJ, and a Popeyes chicken in NY...

you can only imagine what these people looked like.....

 

[rivermobster]

I posted this awhile back, and it didnt get too many looks. Ya all might wanna check this link out. I threw away the one card I had and ordered another without this technology. Whats in your pocket??

http://www.wreg.com/news/wreg-electronic-pickpocketing-story,0,5636726,full.story

 

[Crazyhippy]

Whats in your pocket??

stainless steel, RFID blocking wallet

Something something Tapatalk

 

[skav]

I have a debit card that I use for small purchases, I rarely let it out of my site. I get a call from B of A saying something in reguards to unusal use. So I get home and check my online account and sure enuf they ran up over a thousand dollars at Giant. They did three seperate transactions ($300., $600., & $300.) and tried for a forth, but were denied. How did they get my info without having the card?

The same thing happened at the pilot station in Castaic. They got over a 100 debit cards. The cops say it was an employee.

 

[C-2]

I read a survey this morning on a blog that I follow which is for banking security, and fraud was the topic of the survey.

For atm skimming and other Point of Sale ("POS" - how ironic is that term) fraud, 76% of it is identified BY THE CUSTOMER and reported to the bank.

So I guess there is no real good reporting company out there to help detect it.

The weakest link are the employees and not being able to identify fraudsters tampering with POS terminals - especially the unattended gas station terminals.

I guess the fraudsters are getting real good and can plant a device and transmit the data wirelessly so they don't have to return to the POS a second time. To boot, fraudsters are even encrypting their stolen data!

 

[HolyMoly]

I read a survey this morning on a blog that I follow which is for banking security, and fraud was the topic of the survey.

For atm skimming and other Point of Sale ("POS" - how ironic is that term) fraud, 76% of it is identified BY THE CUSTOMER and reported to the bank.

So I guess there is no real good reporting company out there to help detect it.

The weakest link are the employees and not being able to identify fraudsters tampering with POS terminals - especially the unattended gas station terminals.

I guess the fraudsters are getting real good and can plant a device and transmit the data wirelessly so they don't have to return to the POS a second time. To boot, fraudsters are even encrypting their stolen data!

C2 - on the unattended POS terminals like at gas stations....would it help to run an old/bad card thru the terminal after you make your sale and make the machine decline a sale? Or are these guys able to grab multiple cards at these machines?

 

[OCMerrill]

C2 - on the unattended POS terminals like at gas stations....would it help to run an old/bad card thru the terminal after you make your sale and make the machine decline a sale? Or are these guys able to grab multiple cards at these machines?

I do this and have been for years. I have never had a card compromised for whatever that's worth.

 

[C-2]

I do this and have been for years. I have never had a card compromised for whatever that's worth.

HM and OC - I don't know the mechanics behind how they steal the info, other than what I've read. I chase paper trails and docs, not dirtbag criminals.

What are you guys talking about, more please?

Personally I keep a low balance (sometimes not by choice, lol) so it won't hurt too bad.

 

[Beef Injector]

Just had this happen to my debit card. They charged $600 at a Walmart, 4 hours away (2 separate charges). The bank somehow caught it before they drained my acct dry. Had to make a police report in that city. I had the beer girl at a golf club take an imprint of my card a week before. No way of knowing if thats how it happened. I'm surprised anyone would do that at Walmart with all the cameras.

 

[HolyMoly]

I do this and have been for years. I have never had a card compromised for whatever that's worth.

I've never had an issue without doing that.

HM and OC - I don't know the mechanics behind how they steal the info, other than what I've read. I chase paper trails and docs, not dirtbag criminals.

What are you guys talking about, more please?

Personally I keep a low balance (sometimes not by choice, lol) so it won't hurt too bad.

What I mean is say I buy gas. After completing the sale, I swipe another card and try to buy gas. But I know the card is bad, so it will decline the sale. I'm thinking that if they are using a scanner that loads the last card used, then they will scan a bad card. I'm thinking there is some kind of electronic imprint from the last card?

But, if they are able to get multiple card information from a stand alone machine because they access the memory or something, then my idea would not work. And obviously, if they have an inside person who acquires the information by accessing the sales data...that won't work.

 

[Bill B]

The same thing happened at the pilot station in Castaic. They got over a 100 debit cards. The cops say it was an employee.

I had the Pilot station at Kramer Junction steal my card info.
There was no scanner over the slot and it was in the middle of the day.

Now I understand how they did it.

 

[HolyMoly]

Here is an article on this type of thing in Wildomar.

http://blogs.pe.com/news/digest/2011/02/wildomar-atm-tampering-reporte.html

Two Los Angeles County residents were arrested Monday on suspicion of attaching devices to ATMs in Wildomar in order to steal customers' PINs and bank-card numbers, authorities said.

Riverside County sheriff's officials say the thieves used the stolen information to make about $10,000 in fraudulent purchases.

The scheme involved gluing bank-card scanners over the scanner for the ATM and affixing a small camera to capture the ATM user's PIN, said Riverside County sheriff's Sgt. Patrick Chavez.

The devices were attached to several ATMs in the outer lobby of a Chase bank branch on Hidden Springs Road, he said.

Over the course of at least one weekend, the devices captured the bank card information from numerous ATM users, Chavez said.

Investigators discovered the thefts in late October after receiving reports of fraudulent purchases on several peoples' accounts, Chavez said. Sheriff's dispatch also received a report of a suspicious person at the bank branch -- who matched the description of one of the people arrested Monday -- using many different ATM cards, he said.

Investigators identified the suspects on Oct. 27 as Gaik Kazarian, 36, and Mesrop Kazarian, 34, of Burbank, but could not locate them for months.

On Monday, a Woodland Hills-area California Highway Patrol officer apparently stopped the Kazarian brothers and detained them based on an alert that had been issued by Riverside County investigators, Chavez said.

They were arrested on suspicion of multiple counts of commercial burglary and theft of an access card and were booked into the Southwest Detention Center in French Valley, Chavez said.

To avoid falling victim to ATM thefts like this one, Chavez urged ATM users to check the machines for tampering. The "skimmers" that thieves use are small and are often glued right over top of the slot where bank cards are inserted, he said. Once thieves obtain bank card and PIN information, they often use it to fraudulently purchase gift or debit cards, Chavez said.

Authorities ask that anyone with information call the sheriff's Lake Elsinore station burglary suppression team at 951-245-3356.

 

[C-2]

Here's a decent link on skimming, minus all the Internet fluff. Check out the guy's main page too, he has some good stuff on atm skimming.

http://krebsonsecurity.com/2010/01/would-you-have-spotted-the-fraud/

 

[HolyMoly]

Here's a decent link on skimming, minus all the Internet fluff. Check out the guy's main page too, he has some good stuff on atm skimming.

http://krebsonsecurity.com/2010/01/would-you-have-spotted-the-fraud/

Wow...that is an eye opener! Now I understand how the skimmers work. I thought perhaps they went to a POS ATM after you had used it to capture your info. Now I see these skimmers can be quite un-noticeable.

 

[HolyMoly]

Here's a decent link on skimming, minus all the Internet fluff. Check out the guy's main page too, he has some good stuff on atm skimming.

http://krebsonsecurity.com/2010/01/would-you-have-spotted-the-fraud/

There was another article on that site about skimmers on the inside of gas station pump POS ATM. There was no way to tell that the skimmer was inside, and it had a wireless transmitter. It also was powered from the pump. So, the thieves only needed to be in range with a lap top. The only thing they noted was that the compromised pumps were all outside pumps that were hard to see by the cashier.

Another one that attached to a regular bank ATM used a GSM cell phone to transmit data via text messaging.

 

[RogerThat99]

It happens all the time around where I live. They used to use the scanner that read & stored the information, now they just transmit to a laptop like Holy Moly was saying. It happened to a friend of mine and within minutes he had several transactions in different East Coast states. Police were able to somehow identify the suspects, but wouldn't give the info to my friend. This was probably a good thing as he really wanted to drive to the East Coast and kill them.

 

[fat rat]

Lots of good info here......thanx!

I'm going back to checks and cash.

 

[Deleted Account]

Here's a decent link on skimming, minus all the Internet fluff. Check out the guy's main page too, he has some good stuff on atm skimming.

http://krebsonsecurity.com/2010/01/would-you-have-spotted-the-fraud/

WOW! That is some crazy craftmanship... I usually hold my hat around the pin pad to block it, and I only use bank ATM's (which are hit a ton)...:thumbsdown

http://krebsonsecurity.com/2010/02/atm-skimmers-part-ii/

 

[460]

Cash and money orders is the only way i pay my bills. My truck payment is the only thing i pay on line