My debit card finally got hacked

pattyj · Mar 8, 2017

Big Don said: ↑

Ten years, I'd say you've been dam lucky. Particularly with giving it to bartenders or servers. Had mine hacked several months ago. Pretty sure I know where and when it was done, but it's impossible to really accuse anyone.
There are three most likely ways for your card to be compromised. First off, is some type of scanner attached to an ATM or gas pump. These blend right into the background, and look to be a part of the legitimate scanning mechanism. These get your card number, and record your pin number.
Second is to have someone, and it is quite often someone in food and beverage either copy your card info, or scan it into their own small pocket scanner. This has the built in problem of not getting your pin number, but that can be gotten around.
What will often happen when your card is compromised, no matter how, is that the individual responsible for the compromise, sells the information to a large organization. That large organization, will in tucardhold the information for months, before selling it in turn.
The third likely way, is by ordering from the internet, from a questionable website.
What you can do to protect yourself. Forget about ever letting your debit, or credit card out of your sight. Once that card is out of your sight, anything can happen to it. Good example is giving it to your bartender to run a tab. But how about when you give it to a waiter/waitress, who has to take it elsewhere to run it. In either case, you are at risk.
While I'm not a big fan of carrying a lot of cash, if we are going out for an evening, I'll hit the local credit union ATM and get a couple of hundred in cash. You then pay the tab, and leave the gratuity in cash. If you want a record of what you spent, ask your server for a copy of the ticket.
Protecting yourself from scanner attached to ATM is a bit more difficult. But there are steps you can take to help yourself. For one thing NEVER, EVER get money from an ATM machine that is not part of a financial organization. Those ones that you see in truck stops, convenience stores and many other places are not a part of any banking service. They are privately owned and serviced. Sure they will take whatever card, debit or credit, that you use, but if you have to pay a hefty ATM fee at the location, figure that it may not be legitimate.
Now for internet use. I suggest that you get either a rechargeable prepaid card, or buy "gift cards." That way, no matter what, you limit your liability to however much you have loaded on the card. Better to lose 250 bucks, than 2500 bucks or more.
In my case, the fraud was called to the attention of the CC company, due to greed and stupidity on the part of the fraudster. I'm not going to go any further into that.
I was notified by my card company, that they believed there had been a fraud, and they asked me to call their security department. Verifying the number of their security department, was as simple as doing a Google. I did, the numbers matched with what the caller had told me, I contacted their bunco division, and the card was canceled, new cards with new numbers were sent to my wife and I. We then changed our pin numbers.
I am about 90% sure that my card had been compromised five months before, at an upscale local restaurant.

Screw the merchants. If they don't like it, they can stop taking cards. Like that will ever happen...

I doubt that it is from the past 15 days. If it is, the folks doing it are rank amateurs. Of course, pro or amateur, it is still going to be a bit of a hassle for you, and may wind up costing you some money.

Sure they can, patty. And it does happen. Just like a virus hitting your computer, that walks right through your firewall, and antivirus programs, they are out there.
BUT, there are so many million electronic devices, that the chance of one of your devices, (or mine, or anyone else's for that matter,) are pretty slim. Of course there are a couple of things that push the hysteria on "hacking." First and foremost, is the media, which will put out anything at all that has the faintest scent of sensationalism. The second, is the advertising by the antivirus companies, and most particularly the so called locking companies.
We've been a part of the millions of people, who have been put at risk by some of the hacking of major corporations and government agencies. Those companies, when that has happened, have been very good about paying for "credit protection monitoring," for a few years after the hack.
But I'm not going to pay LifeLock, or any other outfit, a fee to keep track of my protection. Keep up to date on your credit card statements. Always, I mean ALWAYS, compare your receipts to the statements. Of course, this means keeping your receipts for anything you use a card for.
Keep up to date on your checking accounts. A lot of banks or credit unions, have a phone teller service, where you can check not only your balances, but what transactions have occurred with your account.
We aren't exactly paranoid, but since we've been compromised, we do a phone teller check up at least twice a week. Pain in the arse? You bet it is. But it's a whole lot better than thinking that a particular account has 2500.00 in it, when in fact it only has 25.00.
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Holly crap that was a mouthful,lol.But great info thanks..I called my card company after reading this thread to see just how secure the new cards are.We had a nice talk.

Big Don · Mar 8, 2017

MJ1657 said: ↑

Culver's doesn't have ice cream.
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Nor do they have my business.

bzinger said: ↑

I got hacked last fall but they just kept taking very small amounts out and couldn't figure out why my check book wouldn't Balance.
My bank couldn't even figure it out ..got a chip card and haven't had problems since.
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This is where keeping up with your daily balances can pay off. But it is a PITA.

Hulld said: ↑

View attachment 173005
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LOL

MJ1657 said: ↑

I'm a dairy farmer.

It's not ice cream.........
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Hey, I'm NOT a dairy farmer. And it STILL isn't ice cream...

pattyj said: ↑

So that chip card stops the hackers huh?I just started using mine and was forced to activate it because the bank was closing my other card march 3.But I have to admit I like it.its a prettier color and that gold chip matches it perfect lol.
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Does it match the color of your eyes?

Moosetek13 said: ↑

Yes, like the CIA?

I suspect many of the anti-virus companies are introducing new viruses just to solve them for us.
Why not the CIA (and other government agencies) doing the same with hacking the credit and debit cards, computer video/audio etc?
Either have the knowledge to get in, and probably the knowledge to remain undetected while doing so.

Orwell's 1984 is here folks.
Big Brother is not only watching, but...
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Today's world makes Orwell's 1984 seem simplistic.

Dave_in_AZ said: ↑

(snipped)
So all of you that made fun of my tin foil hat, well you can just make your own now.
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Or you can have me make them! Just send me a Plaster of Paris mold of your head, so I can make one that fits!

pattyj · Mar 8, 2017

Big Don said: ↑

Nor do they have my business.

This is where keeping up with your daily balances can pay off. But it is a PITA.

LOL

Hey, I'm NOT a dairy farmer. And it STILL isn't ice cream...

Does it match the color of your eyes?

Today's world makes Orwell's 1984 seem simplistic.

Or you can have me make them! Just send me a Plaster of Paris mold of your head, so I can make one that fits!
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Not really darnit.

Big Don · Mar 8, 2017

pattyj said: ↑

Holly carp that was a mouthful,lol.But great info thanks..I called my card company after reading this thread to see just how secure the new cards are.We had a nice talk.
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Actually, there is not much in the way of security for the individual anymore. Probably have more security in just the sheer numbers of people and accounts, than anything else.

pattyj · Mar 8, 2017

Big Don said: ↑

Actually, there is not much in the way of security for the individual anymore. Probably have more security in just the sheer numbers of people and accounts, than anything else.
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You got that right.I got messages earlier saying my phone has been hacked and I need to update otherwise my phone will shut down tomorrow,should I be worried?

Longarm · Mar 8, 2017

pattyj said: ↑

You got that right.I got messages earlier saying my phone has been hacked and I need to update otherwise my phone will shut down tomorrow,should I be worried?
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I'd be very wary of that, Patty.

Longarm · Mar 8, 2017

Big Don said: ↑

Actually, there is not much in the way of security for the individual anymore. Probably have more security in just the sheer numbers of people and accounts, than anything else.
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Like a zebra. The lions can only catch one at a time...

pattyj · Mar 8, 2017

Longarm said: ↑

I'd be very wary of that, Patty.
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I've gotton those messages for awhile and so far nothing and hasn't slowed my internet speed.I'm not too worried because soon I'll be going to Trac phone,Verizon sucks.

TROOPER to TRUCKER · Mar 8, 2017

My youngest hacked my mother in laws card for 2k from her new iPad Santa bought her lol

Dave_in_AZ · Mar 8, 2017

My phone was hacked awhile back. PC was too. Some lady calls with a Russian accent and a Illinois number and says she can fix my phone and PC lol.
I ask her name. She gave it.
I thanked her and told her I was sending her name and this number to the FBI.
She hung up, and PRESTO, my phone worked again.
And yes I did file the report with the FBI.

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