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| *Ostroff, Fair and Company>>>Personal Finance |
Has anyone had money taken from there bank account from out of state ATM? |
I live in california, but money was taken from my bank account via ATM from a different state. I have my ATM card in my possession so it wasn't stolen. Has this ever happened to anyone? I already took care of it with the bank, but it's REALLY SCARRY!!!!! I can understand checks being fraudulent, but ATM/Debit cards? Lots of scams going on. All they need is for you to swipe your card once somewhere for a debit purchase and type in your passcode, and they record it secretly, then can then produce a card they can use anywhere and do that to you. Just talk to the bank and tell them you want a brand new card with a new number on it. In the meantime, report this problem to the FBI because it IS a case of Identity Theft. This is much more common than you would think. I once had a $3 transaction on my account. I didn't think much of it. The next day, all my money was gone. I had never had my credit cards or checks ever out of my person. I recommend you go to your bank immediately! They will have you fill out forms and you should get your money back. The longer you wait, the more likely more will be taken. It only takes a second to make another transaction! If a thief gets their hands on your card number and PIN number, it is not very hard to make a duplicate card to use at an ATM. One of the methods of stealing the information is to place a 'skimming' device on an existing ATM that reads the magnetic stripe on your card as you insert it into the ATM. This is usually accompanied by a hidden camera aimed at the keypad to record you PIN. There have even been cases of thieves installing phony ATMs. Please tell my you had to card canceled and replaced. If you have not changed your PIN do so NOW. This rule would fit, in your situation. unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss. Also, the bank must give you provisional credit within 10 business (technically 11) . They have 45 days to investigate (90 days if international). They have to send you a status letter within 30 days. This is called Regulation E. They can credit you on the 10th but you can not use it, tell the next business day. http://www.ftc.gov/bcp/conline/pubs/cred... |
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