shlammed

It f'n happened to me again!

This is like the 4th or 5th time that my card has been duped.

2 of those times (including this time) they got money. The other times they didn't get my PIN right.

I don't know how/where they got me this time because I've been super careful with my PIN. I mean, I look like an idiot sometimes because of how bad I try to hide my PIN.

The ****ers took the money out somewhere in Winnipeg of all places. I know the bank will re-imburse me after their investigation, but still, I want to ring their ****ing necks.

szuberi

there is no ultimate protection to this and the best you can do is to limit the daily ABM withdrawl limit from your account, apart from protecting your PIN and watching over where you use your card ofcourse.

I prefer to pay with cash in non mainstream areas....like big stores are fine but watch for those convenience stores etc.

Dexst

do you use atms in corner stores? or pay at the pump is really really easy for people to get your pin, that really sucks, hope you get everything back

RDub

that sucks man.. I had my credit card number stolen and the people were buying plane tickets in euros and crap.. when it maxed out they were trying to make a purchase at some photo store in the states.. thats when the credit card company called my house.. I only had a student credit card with a max of $1000.. and I got re-imbursed for everything.. but it's a pain to go through it all..

shlammed

It's nothing but an inconvenience when it comes to debit card fraud. My money will be back in my account within a week or so. It's just really annoying to know that someone out there has MY $500 in their pocket.

Apparently several people came into the bank this morning with the same issue.

I do have a general problem of using my card too much, but I am very careful. Definately not going to use it at gas stations anymore.

cibs

that's why I use my CC for things like that... much easier to get your money back with a CC than from your debit card...

shlammed

How is it easier?

The only thing I've had to do is replace my debit card. Everything else is taken care of by the bank and one day the money just re-appears.

It's not a hassle at all.

shlammed

Guaranteed it was a gas station that did it.

It was the last time too.

The one on islington ave. across where the rexdale mall used to be.

HONDURA2K2

i try to pay cash as much as possible and i only take out money from the abm at a bank and not at a corner store abm. the gas stations are the worst.

Double B

Worse thing to use is the small market ATM's. That is one way of keeping your card secure. I never use them and I know that is one of the things at our office we tell people not to do for security.

J-SKI

YEP, that sucks alright. Happened to me too and then I had to wait to get my money back after the police investigation. I tried to carry cash instead after that happened to me but the problem with cash is that it's to easy to spend on stuff. no w i'm back to debit and we all just have to be extra carefull.

viper_2_4

Ya, I use my CC for most things and try not to use my debit card...

Credit card companies deal with this stuff better then banks (debit cards)...if I didn't buy something and it shows up on my credit card statement, I'm not going to pay it, and it becomes the Credit card companies problem...debit, the money's already gone, it's up to the client to get things going (and your out the money in the mean time)

shlammed

my thing with cash is that I'm used to walking the streets in Rexdale where I've been jumped several times in my life.

Don't live there anymore but still have the mentality.

xray

When dealing with shady characters that asked "It didn't go through the first time" and swiping it again...that's when bells should go off. Never let them swipe it twice b/c the first swipe goes to their fraud device. That's when you should pay with another card or cc.
Also notice if the keypad for you to punch in your pin is stationary. That's where a camera is somewhere in the store that will capture you pin because you can't move it to a different location where it's out of camera's sight.

ForSale

get yourself a new account ASAP and replace what you have in the same bank its easy.

the people doing this don't need to know your password, all they need to know is your card number, technology is very very high tech now, some criminals have developed pin craking sofwares, that all they need is poeople card number to crack a pin code, and create fake cards aswell.

if it has happened to you twice id, definately get a new account, in a different bank too. its either this or having this issue again. Also don't trust online banking either it says its safe but if your computer is hacked people could just be watchin your transactions online on their screen, you won't even know this, because this could involve hidden codes via opening mail,downloading music or anything else.

if this happened in person at a store, you should always make sure, YOU swipe the card, some kids or scammers at stores swip your cards black strip info into somesort of device they have under the counter.

other ways, they can swip multiple times, saying it didn't go through when it did, its called Ghost swipe, when the vendor or that thing they swip the card through is off-line to the VENDOR it will accept money,but say insuff funds, and not record on a central system.

Or if someone half *** swipes your card it will give an error code, don't bother with the transaction,tell them you don't want it, and get the receipt, read errors on those receipts and inform the bank and always take a copy of the reciept of every failed transaction aswell, thats where people get fuked. every receipt has a code on it that descripes what happened in the system and during that transaction, it also has the Vedor information, who is the supplier of the transaction devices for that company or store, so a receipt is very important.

knowing this ****, i alsmost embarrased the **** out of a Ryerson university staff, when my mother called and said that they made 4 transactions and all were error insuff or somthing else, but she had money in her visa card, and she new shehad money because her card had full credit, so i told her to get all the receipts and call the bank on the spot, using the info on the receipts the bank found out that they had charged my mom $300, $450, $ $345, and $500. But the Bitch at Ryerson said no, its says nutthing was recived on her record. she was fooling my mother, her transaction device was off line to the vendor so information could not be recorded electronically. Anyways that women would not agree and my mom called me back, i told my mom to call the bank and tell that bitch to speack to the bank lady.lol the bank threatened to call the police, and Rape Ryerson Universities publically, if they get a statement in their bank that their customer was chareged even a dollar when Ryerson says they weren't because right now we see more than a $1000 being charged, anyways the ryerson bitch went far back, her face turned red as my mom described and she did some **** and got my mothers transactions approved.

moral of the story, the saying "don't let them smell you fear, or the will eat you" is that if you are unaware of a certain process or system ******** will take advantage of you.

thats why even at gas stations, i ask for my recipt, i have noticed now at gas stations the gas attendant dosn't give a reciept until you as for one, ******.

just get a new account man, will resolve this problem, changing to a new account is like getting a new identity, the people scamming will loose all information on your activities and accounts.


btw...cash is king

i work at a bank, lol and i never use debit cards, only visa if purchasing some thing big.

with cash no one can trace you not even the government.

k_r_a_c_k_e_r

iTrader: (3)

My sister just got $1000 taken from her account.. I think its happened 3 times now.

xray

I think since the banking industries literally makes millions and millions of dollars in profits, wouldn't it be wise to invest in debit cards/credit cards that are harder to duplicate? Why not follow the same implementation as the new licences that are coming out to protect against fraud?

luke11

Almost everything said in this thread is false.

To the OP-->don't listen to half this stuff, its all BS

Cover your pin the best you can. And thats ALL you can really do. After that if it happens, just report it to the bank.

Notorious

Sometimes switching banks is not as easy as you think. You may have direct deposits coming in, monthly payments, mortgages etc...

Luka, the only thing you really can do is protect your pin.

IMO, stay away from gas stations, they are notorious for debit card fraud. If you have to pay by debit, go inside and pay. Also, stay away from those ATM's that are not backed by a financial institution. I am not saying bank ATM's cannot be compromised - do not get me wrong, I am not saying it is not possible to compromise ATM's machines in/outside a bank.

When entering your pin number (anywhere, including bank ATM machines), its a good thing to get into the habit of covering your pin, so that you can't even see what numbers you are typing in. That way, even if your magnetic strip has been copied, the pin whole camera will not be able to view you typing in your number.

ATM fraud requires both a copy of the debit card number as well as your pin number. Punks then create a fake card that has your magnetic strip and they know your pin number, as it has been caught on camera. Sometimes, gas stations have a pin pad placed on top of the pin pad that records your key pressing.


Regarding double swiping, sometimes the card does not catch. (Your card could be getting old, and your magnetic strip is wearing down. If this is the case, visit your branch and get a new ATM card.)

The compromising of cards is only a problem when you swipe, enter pin number, swipe and enter pin number. (The second swipe is normally making a copy of your card, and the camera is grabbing your pin number.)
Sometimes, you have problems where the transaction is not accepted (i.e. insufficient funds, incorrect pin number etc...); as long as you have a receipt for the error, your fine.


Compromised cards happen at any financial institution, no bank is better than the other. Bankcard security departments take care of all problems, and put through all investigations to ensure the account holder's safety. If you do deserve your money, and are not trying to defraud the system, they will give you your money back. I believe they check card numbers, cameras, etc...

If you think your visa card cannot be compromised, think again. Cash is the safest an easiest option, but sometimes it is just no possible. Make sure you keep your bank account balance up to date (as well as visa), and watch out for fishy activity.

If you are worried, change your pin number and bankcard.
Never associate your pin number with your account number, birthday, telephone number etc... Keep it as random as possible, that way people cannot easily guess it.

Notorious

Sure, its possible. But crooks will be crooks at the end of the day. No matter what device you install, someone out there will figure it out.