debit card froze by bank for fraud
always1stepbehind
3 years ago
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Judy Good
3 years agogardengal48 (PNW Z8/9)
3 years agolast modified: 3 years agoRelated Discussions
Debit Card Hacked -- Possibly Because of a Seed Order
Comments (15)I've worked bank fraud for 25 years. Your card can be hacked virtually anywhere... could be a data access on the part of the merchant, someone actually swiping your card into an encoding machine, a keystroke logger on your computer. Personally, I use paypal, but I have paypal linked to a credit card, not my bank account. I have greater dispute privileges that way. Nancy_Drew is right, though, the danger with the debit card is your checking account has the potential to be drained quickly, and the banks aren't necessarily quick about putting the money back in. Dawiff, your suspicions may very well be correct, but you should make sure you don't have any malware on your computer.....See MoreFraud alert
Comments (10)I logged into my Citicard account online and it does show the charge I was told about and then a credit for the same amount. There are three additional charges on 10/30, 10/31, and 11/01 for amounts of $6.95, $1.00, and $1.95. These were all online purchases, and I'm sure these were made just to check that is was a "working" account. It also shows that the account has been closed. So the call was legitimate. I will call the number on the back of the card and ask that those charges also be removed. I also checked my Chase account, and there is nothing suspicious there. I never use the Chase card for online purchases....See MoreSuspicious charge on my Debit card
Comments (27)Happened again! I posted here on 12/18/07 & on 1/14/08 the same exact thing happened w/ a completely different bank account. The only difference was the amount was $9.55 instead of $9.87 & the company name was World Wide Services (just FYI the other company name was PictureGlobus.com). I contacted my bank & they said that if I wanted to dispute it I could, but my debit card would be cancelled immediately, well, I had some purchases to make & only had my debit card, since I hate carrying cash, so told them to hold off. Well, I couldn't call on Monday (holiday) so I planned to call 1st thing Tues. morning. Well, I checked my online bank 1st & sure enough, the money had been refunded. I did go ahead & call & have my card cancelled which worked out perfectly since I had just ordered a new one w/ my new (married) name on it. I just find this so odd. I'm a little paranoid about it now actually. I don't think both of my banks (one has nothing to do w/ the other) could've made this almost exact mistake and w/ me as the common denominator... weird. I just caution everyone, b/c apparently nothing is secure anymore. I am scared to purchase anything or pay bills online now (or over the phone for that matter). I'm even getting more paranoid about paying @ restaurants w/ debit... I've seen receipts before w/ the whole card #, not just the last 4 digits. I will start marking these out!...See MoreRidiculous Regulations on Shipping/Credit Card Orders
Comments (13)I work in the credit card industry and I have never heard of such a regulation on any of the networks I do business with. If someone did steal your credit card and do some online ordering, there are a few key points to protect both you and the merchant: 1) by steal card, I'm assuming steal your number, but not the actual card, since if someone stole your card, you'd have had it turned off. 2) if someone stole your number and used it, you can do a chargeback for any fraudulent charges. so you have no risk, as long as you check your statements each month. 3) the merchants are now required to ask for a card id code, which is embossed on the back of your credit card. If they had only stolen your account number, they would not be in possession of your card id code. The merchant can certainly waive doing this, but if they do, they lose protection against chargebacks. 4) another chargeback level of protection is bill-to address verification. Again, the theory of the credit card networks is that if someone stole your number, they would most likely not know your address. Again, if the address and zip don't match, when the merchant authorizes, it is up to them to accept the order. If they accept a mismatched order, and a chargeback comes back on them, there is no protection for the merchant. So based on (4), many merchants will decline your card, if address verify doesn't match. But again, this is strictly bill-to, per credit card network regulations. I did a google, and I do see that one bank (who oddly enough, gives me a lot of trouble at work), Wells Fargo, has an odd rule that your credit card must be configured with the bill-to address, and a set of possible ship-to addresses. If you enter a ship-to that is not on the list, they will decline the order. This is apparently something unique to them and maybe a few other banks, but the credit-card networks behind the scenes do not require this. In fact, one odd thing I see on a site is this comment: "We hear time and again that "other companies didn't require this" but those other companies are not following security regulations that are required by all credit card issuers." But that is just not true. I work with the issuers, and the most critical requirement to them is the card id code, closely followed by address verification of bill-to. Visa is probably the strictest, and they have issued '12 commandments' of best practices in credit card processing. And this bill-to ship-to nonsense isn't there. Beyond your control? I just would not shop with that online merchant again. (by the way, during the order entry process, were you asked for your card id code?)...See MoreElizabeth
3 years agoElmer J Fudd
3 years agolast modified: 3 years agosushipup1
3 years agomorz8 - Washington Coast
3 years agoElmer J Fudd
3 years agolast modified: 3 years agomaifleur03
3 years agoravencajun Zone 8b TX
3 years agomorz8 - Washington Coast
3 years agoElmer J Fudd
3 years agolast modified: 3 years agojoyfulguy
3 years agosushipup1
3 years agoElizabeth
3 years agoElmer J Fudd
3 years agolast modified: 3 years agoElizabeth
3 years agolast modified: 3 years agomaddielee
3 years agoElizabeth
3 years agonickel_kg
3 years agojoyfulguy
3 years agosephia_wa
3 years agoElizabeth
3 years agolast modified: 3 years agoUser
3 years agogardengal48 (PNW Z8/9)
3 years agoElizabeth
3 years agomurraysmom Zone 6a OH
3 years agoElizabeth
3 years ago
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