So sorry for your aggravation, and glad it seems under control now. Banks should be prompt in issuing a new card & account number, IMPE.

I understand bank card numbers are sold in bulk on the dark web. Usually, a small amount is charged first to see if the account is valid, then they escalate. I regularly check my main account for unfamiliar charges, and signed up every card for email alerts when anything over $0 is charged. I get emailed daily balance reports on some of my credit cards that have a zero balance as well. Whatever alerts/notifications are available, I take advantage of.

These crooks are relentless.

P.S. Many restaurants will take orders & credit/debit payments over the phone. I wouldn't be surprised if there's capability to create fake cards too.

I'm just annoyed now I have to go to the bank on Monday to fix it and request a new card.

They probably made orders online. Or sold the number to a bunch of people in different places. Who then ordered online.

If you order food online from a restaurant (to be picked up or delivered), you generally have to pay at the time the order is entered (although I have seen one where you can indicate that you will pay when you pick up the food). You can use a debit card to pay. So, if your debit card number was stolen, that's how it could have been used a several different restaurants in different locations.

I'm just annoyed now I have to go to the bank on Monday to fix it and request a new card.

Why do you have to go to the bank? When I've needed to request a new card I just do it over the phone.

I hope this resolves quickly for you. I am sorry you can't take care of everything online or by telephone. I never like having to go back to the mid-20th Century for things like that.

Sorry you’re having to go through this.

I wish I could help kathsgarden - I have no suggestions to offer - but I will share my recent experience with a new card.

I misplaced a Visa card in my house a few weeks ago. I know it's at home but I couldn't find it for the life of me. I discovered this the morning before I'd planned to leave my house for a 7 hour drive to the southern end of my state. I called the issuing NY bank - I won't mention it but the card type I have is called Sapphire Reserve - and told them I'd misplaced the card in my home.

I asked if they could send a new card with the same number to avoid my having to change the number on more than a dozen automatic payment accounts. And that I wanted it sent to an address other than my billing address ASAP. I told them I was not leaving my state, that I download transactions to Quicken once or twice a week, and that I would keep watch for funky charges. "Okay", they replied. The card was dispatched that same day from Ohio, was sent Next Day UPS service and it got to my destination before I got there myself. So, many things are possible, whether there's a will to be so customer friendly is another question. It is a premium card, maybe that's part of it. I called them the next day to thank them for their responsiveness.

"I'm just annoyed now I have to go to the bank on Monday to fix it and request a new card."

"Why do you have to go to the bank? When I've needed to request a new card I just do it over the phone."

Exactly. The person at the fraud department you spoke to should have offered to send you a new card. Call them back and request one. There's no need to make a trip to the bank. It can all be handled over the phone.

TD visa/debit saw two small purchases on my card, each for under $2. In New York. Then an attempt for a $2500 purchase. It was declined. When they tried for half that, Visa locked my card. I got notified on my phone immediatly. I called them to confirm I was in Canada and they refunded the two small attempts. I went to the bank and got a new card. which is faster than having a new card mailed to you.

Kathsgrdn, I'm so sorry for all that aggravation.

Terazosa, because I have a bunch of pending debits now, and have to let my bank know they weren't mine. Mastercard is the one that contacted me and told me to contact my bank to dispute the charges and ask for a new card.

I saw a charge on my debit card a few months ago for about $38 at Walmart.com. I called my bank and they issued a new card right away. I also had to contest the charge and wait while they investigated it. I told them to look at my whole history. I don't even shop at Walmart. Sigh.

We rairly use our debt card, but our CC was compromised once and frozen twice. Two weeks after returning from a cruise the CC company called asking if we were opening an ebay account in the UK. No. It had to be an employee from the cruise line because we paid cash on the islands. They issued us a new card over the phone. When we were on vacation in Virginia they froze the card since we were out of state and thought someone else stole our card. Now we always call to tell them we are going out of state. Exceptions are WV and Ohio since we are close to both. Then they froze the card after the gas station I was at earlier CC system was attacked. Just one phone call unfroze them.

Just had a Visa card replaced w/ new number; everything done online (no phone calls or trips to bank), received new card in 3 days.

Last time card was stolen, they immediately deactivated the number, went through all recent charges to verify which were mine, cancelled fraudulent charges, and arranged to send new card and # - all in one call.

Perhaps difference is credit vs debit card.

Thinking it's more about the bank issuing the card than the type of card.

My main bank is a local credit union and they're stellar in their customer service. Their card can be run as credit or debit, and I choose credit whenever possible and avoid using my PIN.

Carolb, I never use my pin either unless I need to make an ATM withdrawel for some reason, which I haven't done in a very long time. The last places I used my card was at Wal-Mart and Tractor Supply.

Just recently police caught some criminals. They put those fake card readers on self check outs at several Walmarts. Gas stations are also a spot they like to attach them also.

I won't mention it but the card type I have is called Sapphire Reserve

It's an excellent card. Many years ago we were in Europe, and there was some sort of problem with my husband's return plane ticket when we tried to check in online the day before. We tried unsuccessfully to get in touch with the airline (we had cellphones, but it was in the early days of smartphones/apps and we didn't have one). He called the CC company, explained the problem, and within 10 minutes got a call back that everything was resolved, followed by a confirming email. We have been loyal to them, especially for travel, ever since. The yearly fee is high, but you get a large portion of it back on anything that codes as travel.

I can't believe how many people say they don't use their debit card ^^ for shopping. I have worked retail long before these cards were available for shopping and we hardly get any cash paying customers. Most transactions are debit, followed by credit then cash. NO cheques. Not a single one in probably 20 years since debit cards were introduced. Almost everyone uses the "tap" function which you don't need to enter a PIN number. Those transactions are all covered by your banking institution should your card get stolen. I removed the tap function from my card when my card was compromised. Nobody has my PIN #. To be honest, I use my phone to make purchases more than my actual card. My card in encrypted. You need my face to open my phone and my face to open my banking app. And I can lock my phone from iCloud should it go missing. I got a new CC for Costco users. CIBC bank is now taking that over. I downloaded their app and notice that I can actually lock my credit card myself should I misplace it. I love that option.

We don't use the debit card because we get cash back on the CC. I still carry a check with me it has come in handy time to time. I carry cash with me also, but the majority of purchases are CC.

When my debit card number was used several years ago I was told because of the fraud it was better for me to go to the bank if I wanted a new card immediately. I was given a new temporary card I could use immediately rather than waiting for a new card to arrive. Going also helped because the charges were immediately tagged vs one late one that I called in. The late one I was told would take a couple of days to be reversed where the other ones were gone that night.

Another reason and it would depend on your area. This area has a major shortage of mail carriers. They are working multiple routes from early morning until after 10 at night. What is left is added to the next day's mail. Some areas are only receiving mail a few times a week because the carriers just do not reach the area.

When I got a replacement card a few weeks ago, it was sent by UPS Next Day service. The Postal Service wasn't involved. There's no way to know if all new cards from all issuers are sent by a private carrier service and not USPS but I suspect most are.

"I won't mention it but the card type I have is called Sapphire Reserve

It's an excellent card."

bookwoman, I've many positive experiences with them too. I got the card when it was first being offered, I was enticed and couldn't ignore the 100K points bonus they offered. That translated to $1000 in spending credits or $1500 in value when spent booking travel through them. That 150% value deal when booking travel with points still applies for all cardholders. That alone has saved me a lot of money. Along with other bennies like free Priority Pass lounge access (though these can get busy), reimbursement of Global Entry fees, the annual reimbursement for travel costs and other benefits along with the great personal service, When I got it, I passed word along and several friends and family members got it at the same time. I've been very happy with them.

Kaths, shame on me but I haven't read the whole thread. My sign-in wasn't working for a week or so, preventing me from commenting. The one thing I was to suggest is making sure your atm card does NOT have credit capabilities. I had to go into the bank to make that happen.

"making sure your atm card does NOT have credit capabilities. I had to go into the bank to make that happen."

Don't debit cards have a ceiling on an account holder's liability for fraudulent use? One that's pretty low, set I believe by law and even at that limited to $0 by many banks?

If so, other than limiting the inconvenience while a bank sorts things out, what is accomplished by your suggestion?

I got my money returned in my bank account already!! Too bad so many other things are going wrong in my life. Have to have a major part of my heat pump replaced, the guy didn't have the part so they gave me two little window air conditioning units to use in the meantime. Probably going to cost an arm and leg to fix it, they haven't given me a quote yet because the person who does that had to leave early today.

My phone is also on the blink, screen keeps going black on me. So, daughter and I went to t-mobile to change my plan and get international service for upcoming trip. I asked about a phone and they are buying my old phone back for the cost of new phone. Just a lot of hassle now waiting on the new phone to arrive, get it switched over and mailed back. And had to buy a more expensive Otter Box for the new phone. Remember the bargain post of Nicole's...like a month ago? I was so proud of finding a replacement Ottorbox for like $13. Well, now it will be worthless in a couple days.

Then there's the air conditioning in my old jalopy...not cooling right. Just to look at it is $169 so I put it off unitl after my trip next month. Good thing I don't have to drive much anymore.

And the worst one and causing me the most stress, my daughter's new passport still isn't here. Been over 8 weeks and the time frame was 8-11 weeks and they told us they were coming back a lot sooner so we didn't get it expedited. Stupid, stupid, stupid. Yesterday my daughter called them, on hold for an hour, she asked some questions and they put her on hold and then hung up on her. She did find out that if she has it expidited it's up to 35 days for them to process it. So, useless. I may be going to see my son alone.

Oh no - so sorry you're having such a cascade of woes !

Elmer, I have a Chase Sapphire for over 50 years. We have always had our accounts with Chase and think it is the best bank and credit cards. I have never had a problem with fraudulent charges or problems with a check or account.

I think over those 50 yrs I've had a few incidents where it was handled quickly and professionally. The few times I've had a problem they replaced the card overnight mail and handled any problems quickly. I never had to go into the bank.

Jane

Kathsgrdn, have you tried a passport service? My husband's passport was expiring once right before a trip and his company hired a service which got his renewed super fast. It only works for renewals, though.

So sorry for all the trouble. Soon, there should be a spate of good news.

No Zalco, we had to do it like it was a completely new one because her old one was damaged. It's crazy.

Jane, the Chase Sapphire Reserve card first came out in 2016. It was an example of very low key, word of mouth viral marketing.

I know the date because I just looked it up. I thought I'd only had mine for a handful of years (turns out, it's been under 6) and I was pretty sure I got one when first offered.

Chase has of course been issuing cards of various types and names for a long while. The Sapphire Reserve is its own unique animal. It has a high annual fee but the benefits are worth enough to nearly offset the total without much effort.

I don't like to have a cc so directly tied to our bank account. it’s my understanding that it’s harder to get one’s money back from the use of a debit card, though that may have changed.

Kaths, I hope everything works out well for you and that your bad luck turns to good luck!

I just went on my Chase app and am happy to see I can now pull up statements seven years back. Not long ago I’d have to request access and afger a couple of days they’d make them available for a limited time. I remember commenting about it here without naming the bank and Elmer recommeding switching to a more accommodating bank.

Well. It happened to me today also. I looked at my online banking statement and saw a transaction that was not mine. I called the bank and they were hesitant in hot carding it, wanting me to contact the merchant first. I told them I did not need to as I had received an email from them earlier in the week that an attempt had been made to gain access to my account. I made no purchases on that date or in that amount. I reminded them how much money I had in that account and they quickly agreed to cancel and send out a new card. I am mad at myself for leaving my debit card on file with the store. I buy groceries there and rather have the money come out of my checking. No more! I changed my password and am using a CC there from now on. Lesson learned.

I was talking to my BIL last night. His debt card just got hacked again. Last time was 2 months ago. He is from now on using his credit card.

I made the mistake of using it online. Although it was more "on file" with a store. When they got hacked, so did I. I think with the chip technology and the wave system, it is safe to use in person.

Sjern, thanks. Things are looking up somewhat. They finally came to fix my heat pump today and I got a discount for some reason I'm not sure about but I took it! Little poorer for our upcoming trip but will survive. Now if my daughter's passport would just come!

My credit card was compromised last month. Someone had a scanner and used my number to buy $900 worth of auto parts. Bank is investigating and told me I won't be liable. Got a new card and bought one of those secure wallets.

Kaths, does your have a reference number for her passport application? I seem to recall that I had one when I renewed and could check the status online. Perhaps new applications have a reference number also.

Happy2b, yes, and it still says it's being processed.

The tracking is useless. Maybe it does say ”in the mail” at some point but I never caught it, just ”being processed” for weeks.

reference: Applied 5/4 and received 6/23, so seven weeks. These were not expedited.

foodonastump, we're going on week 9 in a few days. She's eligible for something on the 19th but she never found out what specifically because the guy put her on hold and hung up on her. I'm hoping it comes in before that.

Sorry hadn’t read your prior post about it. Good luck!

you got off cheap ... they DRAINED our account last year. Bank only took responsibility for half. we switched banks, and they notify by text or phone call of each transaction.

Well, semi bad news, thought the money back in my account was permanant, but I got a letter from my bank today saying it was "provisional" and that it would be taken out again if the merchants provided documentation of authorization. Hopefully that means if I authorized it and not some random theif. It also says if they delivered the product. Umm, how would I stop that? I can't.

Bragu how did it happen that they would only pay half?

Kathsgrdn I think that is legalize to cover themselves. There will always be some cards that are used without permission by family members and friends of the family. When the card holder is faced with accepting the charges or sending the person who used it without permission to jail most will accept the charges.

Disclaimer. I worked at two banks in their credit card sections. The first one was regular 8-5 and once or twice a month situation's like I mentioned above happened.

They're taking your word for it but double-checking.

The bank doesn't need to "legalize" anything or to cover itself. Cardholder agreements say that the individual authorizes account reductions for authorized charges (or liability, in the case of a credit card). If the bank's info sources suggest the charge was authorized, whether that's correct or incorrect, they're entitled to reinstate it as if it were a normal one triggered by the cardholder. At which point, kathsgarden, you'll need to speak with them further.