So frustrated with you jerks...

Not you, ATS. You're good people.

I'm talking about the jerks that keep skimming my credit/debit cards! I just checked my online statement and saw one of those pesky foreign deposits for a whopping 28 cents.

Not only is this like the 5th time it's happened to me in the last year. It's the 2nd time it's happened to me inside of a whole week. First it was my credit card. My bank hasn't even had time to issue me a new one--and now they got my debit card. Had to close that just now. I have no cash on hand. I will be totally broke until monday yay!

Well, that's it. I'm paying off my CC and destroying it. I am keeping my debit card in a lead box. You can't even gas up your truck without getting robbed by unseen crooks. Or maybe it's that little tart who works the cash register. Dream on, honey!

I am so livid with you juice box sucking @#$%-holes can't work an honest day's labor like the rest of us you need to steal my card and sell it to some whackjob in Vermont of all places?!?!

a reply to: NarcolepticBuddha

This has been occurring for a very long time to many people... you can tell the card companies to not allow any foreign transaction fees. The longer someone goes not paying attention to those things, the people doing it will assume you are unaware of it and then it turns into hacking to phish your identity which can and does often lead to identity theft.

a reply to: NarcolepticBuddha

On a rare occasion, I pay like .83 cents foreign transaction fee to Skpe. It seems to be which of their servers picks up which one of my recurring subscriptions. Over 10 years has added up to maybe $5. I call them and they give me credit.

I am not following who is charging you this or from where.


Or who is depositing .28 cent to cause your bank to charge you?

originally posted by: reldra
a reply to: NarcolepticBuddha

I am not following who is charging you this or from where.

I am not sure either. I visit a lot of gas stations for fuel or snacks during my route. I visit the same 3-4 places almost every day, or at least in a given week. I am wondering if it's one of the clerks.

2 times in the same week? It has to be someone working at one of the places I go to.

Edit after your edit:

No. My bank isn't charging me. Someone is using my card. Card fraud. As the poster above stated, they make small charges most people don't notice if they're not looking, and then hit big later (or try to anyway.)

originally posted by: NarcolepticBuddha

originally posted by: reldra
a reply to: NarcolepticBuddha

I am not following who is charging you this or from where.

I am not sure either. I visit a lot of gas stations for fuel or snacks during my route. I visit the same 3-4 places almost every day, or at least in a given week. I am wondering if it's one of the clerks.

2 times in the same week? It has to be someone working at one of the places I go to.

Edit after your edit:

No. My bank isn't charging me. Someone is using my card. Card fraud.

Well, that is scary. Your bank account should be insured by the FDIC (is you are US) and should give back every penny. I am sure there is something similar in other countries.

You get a new card...again. Another solution is a wallet that is immune to RFID scans. It's metal, compact, and can be gotten for about $5.

If it is physically being used...change stores, unless your bank can track it down some way.

My card was compromised and for a LOT more..I have a thread on here about cab drivers. I take cabs a lot and they were the only people to physically handle my card. Now, I used the CURB phone app when I order a cab. Never have to hand my card to anyone.

A lot of stores are moving to 'wave over' chips.

a reply to: reldra

From now on all I'm carrying is cash and a Leatherman.

originally posted by: NarcolepticBuddha
a reply to: reldra

From now on all I'm carrying is cash and a Leatherman.

Good idea.

a reply to: NarcolepticBuddha

Walk in to your local branch,
and discuss it personally.
Verify yourself.

Fill out the forms describing the events
in detail, and once processed, you will be
assigned a monitor for your account.

Link your cell phone number with your monitor,
and they will contact you immediately
regarding questionable transactions.

I was fraudulently hacked by eastern European
entities 3 times over the holidays last year
in the tune of US 18,000.

It was a stressful hassle,
but my U.S. Bank sorted it all out.

S&F

Sorry to hear.
Hows the locksmithing coming along.

a reply to: reldra

The FDIC only insures up to 250,000 so it wouldn't matter if you had 100 times that amount they'd only legally have to cover you for 250,000.

a reply to: NarcolepticBuddha

Has happened to me and my wife separate cards, a couple of times. Latest was on Friday, "I Tunes". Little over a dollar. Each time I have to go to the bank, change cards etc.

Sick of it.

Kind regards,

bally

a reply to: NarcolepticBuddha

You mean your bank doesn't call you for a strange transaction that occurs suddenly way out of your area, no matter how small?

Ours does. Someone tried using our number way off in Michigan while we were still in our usual area, and "BAM" the bank called to ask if that was a legit transaction. Then we shut it down and got a new one.

a reply to: NarcolepticBuddha

I cant get international transfers, have no CC, screw my credit score,

When did the FDIC start covering fraud?

a reply to: NarcolepticBuddha

I learned that if those bas--rds skim just $1 off one million credit cards? Thats $1,000,000 (million dollars). And they exceed that number worldwide each and everyday. Why?

Because most people wont question their banks or card companies over such a small amount like $1. And thats how they get away with it.

Us average people dont question a $1 error...we just normally figure its some kind of fee or tax. Hey? Its just a DOLLAR after all! Right?

Thats times ONE MILLION or HIGHER, per day, around the world...and "they" are making a fabulous amount off simple skimming...

a reply to: ketsuko

Yes, they call. Usually my card gets declined so I know about it before the phonecall.

In this case, I saw the transaction and called them!

a reply to: NarcolepticBuddha

Do you use your card at the pumps or only inside the store?

Gas stations are a hot spot for fraudsters, they put skimming devices at the pump, when you insert your card into the card reader, they get your info. If i have to pay at the pump, I always give the card reader a little tug, it should feel firmly in place. It's hard to tell they're there sometimes.

a reply to: NarcolepticBuddha

Amen!!

The corporation who owns the pumps could pay enough people a decent wage to watch over things. Or could put alarms on the swipe mechanism to make it harder to tamper with.

Instead, ther's one teenager watching 20 pumps in addition to being responsible for other duties.

But they don't give a damn either... its not their money and inconvenience. The guys at the top will make millions, in fact, because they have minimzed labor cost.

Sorry to hear of your troubles. Mean people suck.

Is your credit card chip and pin? It certainly should be. It's more difficult for the old school skimmers to get a hold of information with those since each transaction generates a different pin number.

Also, if you replace your credit card be sure to get one that allows you to set up your own security parameters. I get an instant text message any time my card is charged without the physical card having been present, even if the charge is pennies. Additionally my app records all transactions, even if the card is present, for me to review at any time.

Are the alerts annoying? Nope. Not to me. I'd rather see some extra texts than sit there crapping myself after I receive the phone call that some bastard is spending my hard earned money and now I have to take numerous steps to fight the charges.

A few years ago (before our pitifully slow USA implemented chip and pin) those alerts saved my ass after I saw a charge for $2 at a dentist's office in another state (to test if my number was active) and then a $2,000 charge at a travel agency in India. Needless to say being on the phone with them a split second later is a great way to make sure you're not held responsible.

Sadly there are a lot of disgraceful people out there who have no problem sitting at home and not working a day in their lives while stealing money other people break their backs to earn. Don't let them win. Watch yourself and you'll be fine.

originally posted by: NarcolepticBuddha


Well, that's it. I'm paying off my CC and destroying it. I am keeping my debit card in a lead box. You can't even gas up your truck without getting robbed by unseen crooks. Or maybe it's that little tart who works the cash register. Dream on, honey!

Don't do this, closing a revolving account will hurt your credit score. Just pay it down and keep the card for use only at safe registers like grocery store, home depot etc. Gas pumps and small ATM's are really bad about skimmers here in FL, and even the drive-up ATM at my local branch had the glue from where a skimmer had clearly been installed at some time. They recently replaced the whole unit a sincend the new one doesn't give my card back until AFTER the transaction so I've already lost two cards, being accustomed to the old card-first then-receive-money system.

Also just be especially aware of any card reader that appears to have a blocky front or any sort of overlay or add-on on the faceplate.