- April 13, 2024
- Posted by: legaleseblogger
- Category: Related News
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## The Concern
He has never seen or touched our debit cards. Apparently he has somebody that leaks banks information to him. He tries to scare my mom by telling her that if he wants to he can steal our money from our bank accounts.
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## Current Situation
Currently my mom is living in El Salvador and her ex too. I’m living in Spain but i’ve been in El Salvador for holidays recently, so i guess he got the leaked information from my debit card from Spain because i used it in some restaurants in El Salvador.
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## Assurances and Concerns
My mom is scared but I don’t feel like he could do anything to us… We have proof that he threatened us, he’s the main suspect and he can go to jail easily if he steals a lot of money from the bank. Also if i am right, we’re secured by banks that unauthorized transactions can lead to open investigations to see where the money went and they pay back the money stolen when you go to the police to file a report.
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## Seeking Advice
I don’t know if i am right and i’m looking for advice. So please feel welcomed to recommend me what’s the best way to act in this situation!
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****** just grabbed a
No bank in Spain can “leak debit card information” to anybody. They have a secrecy duty, which means that whoever did that would be inmediately fired (not a risk anyone is willing to take in Spain, considering our job market) and the entity would be heavily fined. Nevermind the extremely stringent data protection laws in Europe, Spain included of course (LOPD-GDD).
So my best bet is the man is 100% bluffing but, in any case, make sure your mother has not inadvertently added his name as authorised in any of her accounts. Make sure as well to have two step verification and all bank notifications in order, and/or contact the bank if she suspects he has had access to her data in any way (by having installed spying apps in her phone or things like that). Should nothing work, there’s the possibility to simply cancel all cards and request new ones from the bank.
ETA: You can crosspost in r/esLEGAL if you wish.
As soon as you know your card is compromised you should ring up and cancel it. (So now). If your bank is aware that you knew someone obtained your details they may not cover fraud. There will be a 24h lost or stolen number on your banks website. Your card is effectively stolen. You can sometimes even do it in app. I assume it’s the same in El Salvador.
Then contact the police in both countries. I’d be more concerned about your mum and her personal and financial safety.
NAL
If he has your credit card details just call your bank and tell them that your card has been compromised and you need a new one. It sounds like he got the information when you visited. Just don’t give the details of the new one to anyone. Especially anyone who knows him. Including your mom.
And don’t trust anything he says!
# You can close your debet card and instantly create a new one plus activate it in your phone if it has a NFC payment method.
He is 100% bullshitting you. But to make yourself feel betrer you can do the following:
Get a new card. While you wait on that. Go to the police, screenshot any evidence you have of him saying that. Get it all in the police system. He can’t get your money and if he somehow does you can go to the police again and reopen the case.
also kinda sounds like he wants you to cash out all your money, and if you do that, he could maybe rob you? but just brainstorming here
could you already sue him for threats?
Your question includes a reference to Spain, which has its own legal advice subreddit. You may wish to consider posting your question to /r/ESLegal as well, though this may not be required.
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NAL; I don’t know how up-to-date banks in Spain are, I know when I lived there they were somewhat behind Dutch banks, but these days here in Holland I can make a new bank account in minutes, and transfer all my money over.
Please call the police and ask for advice.
This is a very weird situation.
Change bank/bank accounts then its game over.
First up, unless you have actually given your mom’s ex sensitive passwords or codes over the phone or through a phishing email, from what I know about Dutch banks and cards, it’s very likely that your mom’s ex is just bluffing. I could go into detail as to why, but I don’t know how Spanish banks go about things. You mentioned payments at restaurants at El Salvador, but skimming is impossible unless your mom’s ex actually knows someone to insert skimming hardware into their payment terminals. And if that had actually been the case, you would have noticed already.
So contact your bank and tell them about the situation! They can asses how serious the threats are and assure you whether what he is threatening is actually possible. Even if his leak were real, that doesn’t automatically gave mean they can do something and the bank could face major legal repercussions if it’s true and actually gets out of hand. They’d want to know.