$450 was just stolen from me!

[aurora]

Most banks and CUs have protection against this. It may take a week or two an you may be out a smaller amt ($50 or so) but you should get most of it back.

Sorry, though...it sucks.

[VillainV]

You shouldn't be responsible for fraudulent charges to your debit card. It's not the same kind of protection as you get from a credit card, but if you can prove you didn't make the purchases, then you shouldn't have to pay for them. At least, I have never had to pay for fraudulent charges. Call your bank NOW.

[Susie]

Oct 24, 2014 18:55:21 GMT -5 milsaroo said:

Also, I'm super impressed with them catching this. What makes it suspicious? The charges were roughly an hour away, which is not unlikely (I don't go to that city but still).

They have algorithms that flag specific spending patterns as likely being fraudulent.  They're pretty amazing.

You will get the money back.  It may take a little longer than reversing charges on a credit card, but you'll get it.  It happened to me once when my Visa check card (which I only use as an ATM card, but can be used for purchases) was stolen.

[polarbearfans]

They should be able to refund the money. Not sure if they will do it for you, but you should file a police report. I work retail and can only release information to a police officer. A lot of stores have cameras and if they don't, the mall does. Sorry this happened. Sometimes the crinkles are dumb and use a store loyalty card with a stolen card number.

[nonsenseabound]

Mine refunded the money within 10 days. Just follow up.

[Gwen]

My bank called me about suspicious charges. I confirmed fraud, filed a police report and got my money back.

[Deleted]

I've had money stolen at least 5 times. It's always been reimbursed within a few days. I don't know any banks that don't reimburse based on stories I've heard from friends and on this board. Fraud is unfortunately common and banks are used to dealing with it. 

[Deleted]

NO need to file a police report. The CU will handle everything. This has happened to me twice and both times the credited the money back within 24 hours. They told us that if they discover it was not fraudulent they would mail us something withing 30 days and then take the money back. Both times it was fraud to this wasn't a problem.
You just need to call them and make sure they are going through the necessary steps to get you back the money and ask if you need to come in and fill something out for them to proceed.

[flatlan]

That is too bad!!! I hope you get the money returned quickly!

[Deleted]

There is no need to file a police report. This type of stuff is so common that they don't even investigate it. Hell, I had my identity stolen, someone I knew opened credit cards and loans in my name, and they wouldn't even investigate that.

I hate that credit card fraud is the new normal. Luckily my bank refunds my money the next business day. I've had three new cards this year. I'm also amazed by how quickly I get phone calls from them these days asking me to verify transactions.

[polarbearfans]

Oct 25, 2014 0:27:14 GMT -5 @sfgal530 said:

Oct 24, 2014 22:41:08 GMT -5 milsaroo said:

Next question, how do I file a police report? Do I do it in person, or can I do it over the phone? And, do I do in the city that I live them, or that the charges were? Oh wait… That's probably dumb because charges can happen wherever… Never mind... Wow voice to text is actually working right now!

. In my experience, this would be a complete exercise in futility. I don't ever see police actually follow up on fraud at this level.

Working retail, police officers come in to get transaction records and video surveillance. They absolutely take credit card fraud seriously. It isn't always easy to catch the person, but it happens

[Deleted]

Oct 24, 2014 22:41:08 GMT -5 milsaroo said:

Next question, how do I file a police report? Do I do it in person, or can I do it over the phone? And, do I do in the city that I live them, or that the charges were? Oh wait… That's probably dumb because charges can happen wherever… Never mind... Wow voice to text is actually working right now!

Did you call the bank and they told you to file a police report?

Like I said, I've had my debit card numbers stolen numerous times in the US and abroad and no one has ever asked me for a police report. 

[v]

Oct 25, 2014 6:13:19 GMT -5 @wandering said:

Oct 24, 2014 22:41:08 GMT -5 milsaroo said:

Next question, how do I file a police report? Do I do it in person, or can I do it over the phone? And, do I do in the city that I live them, or that the charges were? Oh wait… That's probably dumb because charges can happen wherever… Never mind... Wow voice to text is actually working right now!

Did you call the bank and they told you to file a police report?

Like I said, I've had my debit card numbers stolen numerous times in the US and abroad and no one has ever asked me for a police report. 

Agreed. 

If you do need a police report, I'd call and ask how it is done.  I'd imagine protocol varies by police department.

[LoveTrains]

I am sorry that this happened to you.

One thing I do, personally, is just use a credit card and don't use my debit. That way, when my card gets compromised (it will, inevitably) I am not out actual $$$ from my bank account.

[Deleted]

Oct 24, 2014 18:53:22 GMT -5 aurora said:

Most banks and CUs have protection against this. It may take a week or two an you may be out a smaller amt ($50 or so) but you should get most of it back.

Sorry, though...it sucks.

If it has a Visa logo, the liability is 0. All money will be returned to you.

[v]

Oct 26, 2014 9:49:43 GMT -5 milsaroo said:

Oct 25, 2014 23:15:01 GMT -5 @kcpokergal said:

If it has a Visa logo, the liability is 0. All money will be returned to you.

It's MasterCard, but I'm hopeful it'll all work out. I just was really upset when it happened because even if I get my money back the thief still wins.

Also covered:

www.mastercard.us/zero-liability.html

[Velvetshady]

Oct 25, 2014 0:27:14 GMT -5 @sfgal530 said:

Oct 24, 2014 22:41:08 GMT -5 milsaroo said:

Next question, how do I file a police report? Do I do it in person, or can I do it over the phone? And, do I do in the city that I live them, or that the charges were? Oh wait… That's probably dumb because charges can happen wherever… Never mind... Wow voice to text is actually working right now!

. In my experience, this would be a complete exercise in futility. I don't ever see police actually follow up on fraud at this level.

And this attitude is one of the reasons this type of crime has become so common. Yeah, nothing may never come of it if you file a police report, but something also might. If you don't bother to file, there is no chance anything will happen.


DH has had his card stolen 5 times in the last few years. Three of those times nothing come of the report, but twice, it helped with an ongoing investigations and lead to several people serving time in Federal prison.

[Velvetshady]

Oct 26, 2014 14:01:15 GMT -5 @sfgal530 said:

Oct 26, 2014 13:25:54 GMT -5 Velvetshady said:

And this attitude is one of the reasons this type of crime has become so common. Yeah, nothing may never come of it if you file a police report, but something also might. If you don't bother to file, there is no chance anything will happen.


DH has had his card stolen 5 times in the last few years. Three of those times nothing come of the report, but twice, it helped with an ongoing investigations and lead to several people serving time in Federal prison.

My attitude has nothing to do with whether or not this crime has become common.  This type crime is exceedingly common because now it is so easy to get people's personal information off insecure internet connections, through credit card skimmers, etc.

The police simply do not have the resources to pursue all these issues, especially in major cities.  If my police station won't do anything when I call to report a suicidal individual, I feel pretty confident they're not going to do anything because someone stole $60 worth of gas using my CC. 

 

Oh, ok. Police are busy so we all should stop reporting crime. And I guess I must be lying about the two cases above that lead to jail time. And the FBI agent calling to thank DH for following through and reporting so they could make the case--yeah, I fucking imagined that.

And I'm sorry that your dept didn't have the resources to help in an urgent matter. Not sure what that has to do with this case or how it would be handled. But how about working to get the dept the resources they need instead of deciding that it's not worth reporting crimes anymore?

[LoveTrains]

Oct 26, 2014 15:09:24 GMT -5 Velvetshady said:

Oct 26, 2014 14:01:15 GMT -5 @sfgal530 said:

My attitude has nothing to do with whether or not this crime has become common.  This type crime is exceedingly common because now it is so easy to get people's personal information off insecure internet connections, through credit card skimmers, etc.

The police simply do not have the resources to pursue all these issues, especially in major cities.  If my police station won't do anything when I call to report a suicidal individual, I feel pretty confident they're not going to do anything because someone stole $60 worth of gas using my CC. 

 

Oh, ok. Police are busy so we all should stop reporting crime. And I guess I must be lying about the two cases above that lead to jail time. And the FBI agent calling to thank DH for following through and reporting so they could make the case--yeah, I fucking imagined that.

And I'm sorry that your dept didn't have the resources to help in an urgent matter. Not sure what that has to do with this case or how it would be handled. But how about working to get the dept the resources they need instead of deciding that it's not worth reporting crimes anymore?

Where do you live velvet shady?

Listen, I'm glad you helped bring down the perpretrators. That is awesome. But in my city I've still been unable to file an official police report when my house for broken into. So I guarantee they would laugh at me if I tried to call something like this in. And I've been advocating for more resources for police in the neighborhood association. I mean it's just hard to jump to these kind of conclusions without knowing specifics.

But dude I'm tired of advocating for shit in my city when the moronic voters are about to re-elect a two time felon who allegedly raped a woman at gunpoint. So yeah - you don't my lyfe.

[v]

Velvetshady -- you know that it is very likely that credit card companies report all sorts of information about stolen accounts to the authorities, right? And they have a lot more info than you do (like, they know about all the transactions that they caught before you ever saw them?)

NYPD does care that my credit card number was stolen and used by some random in Kansas City to buy stuff at stamps.com, believe me.

When Target was hacked, 40 million account numbers were stolen. Do you really think that the FBI wanted to field 40 million calls about that? And that's just scratching the surface of these incidents -- apparently there are something like 500 million incidents like this in the US every year.

Also note: even the FTC does not advise you to contact the authorities:

www.consumer.ftc.gov/articles/0216-protecting-against-credit-card-fraud#Report
www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards

[Velvetshady]

Oct 27, 2014 7:38:47 GMT -5 v said:

Also note: even the FTC does not advise you to contact the authorities:

www.consumer.ftc.gov/articles/0216-protecting-against-credit-card-fraud#Report
www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards

Okay then, don't listen to me --DH's experience likely has something to do with where the skimming was happening and the other people it happened to (at least one incident was at a popular Capitol Hill lunch/drinks/dinner spot).

eta: the two the were resolved also were in the four figure $ vs two to three--so that might make a difference as well. Who knows.


I do still think it is terrible that local police depts don't have enough resources to deal with crime (especially the home break in). One of the few advantages to living where we do, people don't randomly break into houses around here, too many residents that *will* shoot them on the spot.