tiltjlp
PN co-founder
- Joined
- Jun 9, 2003
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- 3,403
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- Flying Trapeze 1934
Recently I had two fraudulent charges made to my checking account. As soon as I noticed them, I called my bank, and I found out a few interesting things, which could also be a bit worrisome. First, of course, my check card was cancelled, and a new one was sent to be four days later. But since the fraudulent charges were still Pending, I’d have to wait until they had been fully processed and then call back, at which time something could be done about them.
While I waited for the fake charges to be processed, I saw a $7.50 replacement card fee added to me account, and figured I had gotten off pretty lightly. But when I called back, once the fraudulent charges had finally been processed, the woman I spoke to credited both the fraudulent charges and the replacement card fee back to my account. I’ve been told that the bank will look into things, and unless they determine fraud on my part, I’ll have lost nothing, money wise.
<O
This makes the second time this sort of thing has happened to me. The first time my bank noticed something that didn’t seem right and called to ask me if I had made a certain charged, which I hadn’t. This time they didn’t catch it, but I did, since I catch my account every time I go online. At first I was mystified, since I do nearly all my purchases online, and never give my card to anyone who removes it from my sight. I also never give out any personal information online or over the phone unless I know whom and why.
<O
When I called the bank, both times, the persons I spoke to seemed calm about my problem, which made me wonder. But then I realized they were trained to know what to do in these situations. And, sad to say, probably are well experienced dealing with fraud. It wouldn’t do anyone any good if them overreacted, and besides, it wasn’t their money. So yes, in retrospect, I’m happy with how my bank handled things. And no, I don’t see any reason to switch banks, since most banks have had some sort of security breech, and fraud is on the increase. Maybe it’s a good thing that it’s no big deal to the people we have to call to report fraud.
<O
It’s great that the way it’s all handled, that it ends up being no big deal for us bank customers sometimes. I do realize how lucky I am to not have lost my money this time. And I’ll continue to be as careful as I can be, but some times it seemed like a waiting game until the next time. When I talked to my brother about this, he told me some things I hadn’t been aware of, though maybe I should have figured it our.
<O
It seems that these bands of crooks stealing identities have it down to a science. Once they hack bank’s databases, they make fake credit and debit cards, they send them to their team, and they usually make small purchases under $50.00, which don’t require the use of a pin number. My brother said one of his fraudulent cards was even used to pay a $1.50 parking meter fee. So it’s not always big-ticket items that are stolen from us, but now we can be chipped away at bit by bit. So if you’re lucky enough to have never been hacked in this way, good for you. But keep on your toes. After I post this, I think I’ll check my online bank account again.
While I waited for the fake charges to be processed, I saw a $7.50 replacement card fee added to me account, and figured I had gotten off pretty lightly. But when I called back, once the fraudulent charges had finally been processed, the woman I spoke to credited both the fraudulent charges and the replacement card fee back to my account. I’ve been told that the bank will look into things, and unless they determine fraud on my part, I’ll have lost nothing, money wise.
<O
This makes the second time this sort of thing has happened to me. The first time my bank noticed something that didn’t seem right and called to ask me if I had made a certain charged, which I hadn’t. This time they didn’t catch it, but I did, since I catch my account every time I go online. At first I was mystified, since I do nearly all my purchases online, and never give my card to anyone who removes it from my sight. I also never give out any personal information online or over the phone unless I know whom and why.
<O
When I called the bank, both times, the persons I spoke to seemed calm about my problem, which made me wonder. But then I realized they were trained to know what to do in these situations. And, sad to say, probably are well experienced dealing with fraud. It wouldn’t do anyone any good if them overreacted, and besides, it wasn’t their money. So yes, in retrospect, I’m happy with how my bank handled things. And no, I don’t see any reason to switch banks, since most banks have had some sort of security breech, and fraud is on the increase. Maybe it’s a good thing that it’s no big deal to the people we have to call to report fraud.
<O
It’s great that the way it’s all handled, that it ends up being no big deal for us bank customers sometimes. I do realize how lucky I am to not have lost my money this time. And I’ll continue to be as careful as I can be, but some times it seemed like a waiting game until the next time. When I talked to my brother about this, he told me some things I hadn’t been aware of, though maybe I should have figured it our.
<O
It seems that these bands of crooks stealing identities have it down to a science. Once they hack bank’s databases, they make fake credit and debit cards, they send them to their team, and they usually make small purchases under $50.00, which don’t require the use of a pin number. My brother said one of his fraudulent cards was even used to pay a $1.50 parking meter fee. So it’s not always big-ticket items that are stolen from us, but now we can be chipped away at bit by bit. So if you’re lucky enough to have never been hacked in this way, good for you. But keep on your toes. After I post this, I think I’ll check my online bank account again.
