- April 11, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Dealing with a Scam: My Recent Experience
A couple of weeks ago, I fell victim to a scam where I was unfairly charged $60. To make matters worse, immediately after that, a second charge of $99 was attempted, but thankfully my bank intervened and stopped it. In response to these fraudulent activities, my bank took swift action by canceling my debit card and issuing a new one. They also initiated an investigation to determine the source of the unauthorized charges.
After the investigation, the bank was able to reverse the initial $60 charge. However, to my dismay, I recently discovered another $60 charge on my account. This has prompted yet another investigation by my bank. It is perplexing to me how this could have happened. Did the scammers somehow obtain my checking account information from my debit card? Is it possible that they have hacked into my phone to access the new card details from ApplePay?
In this distressing situation, I am seeking advice on how to safeguard my financial information and prevent further fraudulent charges. Your insights and suggestions would be greatly appreciated.
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****** just grabbed a
I know credit card companies sometimes let retailers know your new card number. It’s to help with recurring charges. Might be the same with debit cards. Call them again to fight charges and reissue a card. Then make sure they aren’t giving out the new card number.
Dude get a credit card. Youll have some protection from things like this.
Never give your debit card information out
Tell your bank that you need a new account because fraudulent charges are coming in, and ask them are they giving out the new card information to these people that are charging you.
I worked for CIBC previously, and one time, a customer called that was having the same exact issue. The scam payment was coming through his debit card. It turns out that the agent who was supposed to cancel his existing card and issue a new one with new numbers instead closed the brand-new card that had just been opened. This resulted in the debit card information still being valid, thus allowing the charge to go through again. This customer had called us roughly 10 times about the same issue and none of the agents caught it over the phone. It may be worth mentioning to them – I only caught it because I didn’t stop digging until I found a solution.
I spent six years working with disputes. Your new card information was provided through a service like VISA Account Updater or MC’s Automatic Billing Updater. It’s a useful service to provide a seamless transition to a new card, but it has drawbacks that bank employees should be aware of.
When you contact your bank, request that this service be deactivated *before the new card is issued*. That last part is key.
The bank canceled the card, not the account. Your account is still valid, and charges against your account are still valid, including autopay charges.
Maybe you need to cancel the account? Or stop the autopay?
Hi!
I work for a credit union and help our members daily with this sort of issue.
Your bank might be different, but our protocol for handling fraudulent card transactions is that we can’t submit a fraud case unless the transaction has actually been posted to the card as there are times where the transaction may not even post.
When we report a card as stolen and shut it down, we have to move the fraudulent transaction to the new card in order for the fraud case to be valid.
The fact that the second charge on the new card you’re seeing matches the same amount as the transaction you reported most like indicates that this is what’s happening.
Otherwise, though, it’s best to make sure your devices have been cleaned at an electronic repair business and that all your accounts that use your payment information have the credentials updated
Fraud sucks, and like others here have said it’s best to use a credit card when purchasing things from online as those have more protects in place then other payment methods.
This recently happened to me and I finally switched to using a credit card for everything like people always suggest. I froze the debit card. I believe the auto updater is what causes this to happen to everyone, it is absolutely insane and needs to be illegal.
When this happened to me with my debit card, they told me after days of investigation, it wasn’t the bank, it was VISA that the recurring charges were tied to. I closed my account and moved to a bank with a Mastercard instead and it stopped.
Apple and Google pay tokenizes your card so it’s not really possible for your card to get stolen from your phone like that. The tokenized card is only usable for the particular merchant you authorized it for so it can’t be used at another store and in fact the process involves double tokenization, once on your phone when you store it and another time when you pay. It avoids storing credit card info altogether so it’s one of the most secure payment methods atm.
I would, preemptively, change your password for anywhere you have your debt card information stored.
I would also seriously consider deleting your debt card from anywhere it is stored. Get a credit card for that – much less stressful when they get hacked.
ask them to issue a new token on the card.
>Did they somehow get my checking account info from my debit card?
A debit card is in simple terms your checking account. there’s very little protecting your money.
Sounds like Visa Account Updater, you could call visa and ask if your card is a part of that service. You are allowed to refuse it.
Dont have them reissue the card but instead block the card completely and request a brand new card
Did they issue a brand new debit card, because they shouldn’t be able to use your new card.
Close all and any accounts. New debit cards still linked to bank account
Had a similar thing happen to me. Scammer ended up adding to an Apple Pay and it would go through on the new card.
If it was set up as a recurring debit, they need to turn off the updater opt in status before cancelling the card so Mastercard or Visa doesn’t give your new card number to the merchant.
Explain the scam. If you willingly went into the transaction and gave authorization for the $60 and found out later it was a scam, you owe the $60 and need to eat the loss.
Have you swiped your new card anywhere at all?
1) It’s possible you were scammed through your account number instead of your debit card. Getting a new card wouldn’t fix that issue.
2) It’s possible you were issued a new debit card with the same number. Ask for a new card number if it’s the same one.
Wow. That was super helpful. Our account was hackedfor forty three thousand dollars. They did five separate transaction over nine thousand each. We caught the last one and managed to stop payment on it. And then they paid it out of the new account after we stopped payment on it. We were wondering how the thieves got the new bank account number.
Stay away from wells fargo. We finally had to get an attorney to fight the charges. They think my 68-year-old husband who is undergoing cancer treatment bought a tractor in arizona for forty three thousand dollars on five different transactions.
This happened to me with a Wells Fargo credit card. Before it even was mailed they had charged it. I ended up just closing my account. I got 4 replacement cards before I gave up.
You got a key logger on something I’d imagine.