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My debit card number was stolen (not the card though they said they had to physically be using the card I told them no they couldn't have been). The total number of purchases was something like 30 bucks and spread out (I didn't monitor my bank account because I hardly have any activity and its a fairly new card). So, my question is what is the chance (statistics, life experience, opinions, etc) that the bank will find out who did it and HOW they did it. Because I honestly can not think of how since I only used it to buy food at the same restaurant a few times, took out like 20 bucks from an ATM drive thru, and paid my cell bill around the time it was stolen.
Check your bank statement and see what it was spent on.
Small purchases do not require signature ( at least where I live), so I don't think the bank can trace those spendings.
However someone knew your PIN number.
Someone took money from your account and paid your cell phone bill??? That's very strange...
Maybe you have an automatic/paperless bill pay in place with your cellphone provider?
Check your bank statement and see what it was spent on.
Small purchases do not require signature ( at least where I live), so I don't think the bank can trace those spendings.
However someone knew your PIN number.
Someone took money from your account and paid your cell phone bill??? That's very strange...
Maybe you have an automatic/paperless bill pay in place with your cellphone provider?
Hey, sorry I didn't explain myself well enough. The list of things (restaurant, cell phone bill, etc) were all things /I/ did with my debit card around the time it was first being used by someone else so I was wondering if any of those things somehow lead to a person being able to steal my number. I have no clue how they could have gotten my pin but some stores don't require a pin number so I figure the coffee shop they kept getting coffee from was one of them
The restaurant was probably where the info from your card was stolen. Never, ever let your card out of your site. When a waiter takes your card to another room to run the bill through the credit card machine, he can write down the credit/debit card number, expiration date and three-digit security number on the back. I've read that, with that info, some guys can even make a new card that looks exactly like yours.
There's also a chance that someone used one of those RFID readers to access your card info while it was in your purse. I've bought RFID sleeves for each of my credit cards so I dont have to worry about that.
And, to answer your question, the likelihood of BoA's even trying to find the culprit is nil.
The restaurant was probably where the info from your card was stolen. Never, ever let your card out of your site. When a waiter takes your card to another room to run the bill through the credit card machine, he can write down the credit/debit card number, expiration date and three-digit security number on the back. I've read that, with that info, some guys can even make a new card that looks exactly like yours.
There's also a chance that someone used one of those RFID readers to access your card info while it was in your purse. I've bought RFID sleeves for each of my credit cards so I dont have to worry about that.
And, to answer your question, the likelihood of BoA's even trying to find the culprit is nil.
Your best bet is just to use a credit card everywhere if possible. It is borrowed money so it isn't my problem if someone steals it. 9/10 they will fix the problem no problem unless they think your the one committing fraud.
The restaurant was probably where the info from your card was stolen. Never, ever let your card out of your site. When a waiter takes your card to another room to run the bill through the credit card machine, he can write down the credit/debit card number, expiration date and three-digit security number on the back. I've read that, with that info, some guys can even make a new card that looks exactly like yours.
There's also a chance that someone used one of those RFID readers to access your card info while it was in your purse. I've bought RFID sleeves for each of my credit cards so I dont have to worry about that.
And, to answer your question, the likelihood of BoA's even trying to find the culprit is nil.
That (bolded) is sadly not really possible here in the USA, especially in restaurants, where the waiter bring you a bill, and then take your credit card to the cash register to finalize the purchase.
However overseas the wait staff carry portable credit card readers, and I don't remember any situation where I didn't see what was done with my card.
I wonder why portable card readers are not widely implemented in the USA yet. They are standard in many countries for years.
Your best bet is just to use a credit card everywhere if possible.
Yet even that isn't safe. A few weeks ago, B of A called me about irregular credit card activity and it turns out that someone had used my credit card number to make several online purchases. I rarely order anything online with a credit card. When I asked how I might prevent this in the future, they said to order only from secure sites that begin with "http."
Yet even that isn't safe. A few weeks ago, B of A called me about irregular credit card activity and it turns out that someone had used my credit card number to make several online purchases. I rarely order anything online with a credit card. When I asked how I might prevent this in the future, they said to order only from secure sites that begin with "http."
But you got your money back right? That's all that matters. Unless your paying with cash your pretty much just have to deal with the fact that this might happen.
Yet even that isn't safe. A few weeks ago, B of A called me about irregular credit card activity and it turns out that someone had used my credit card number to make several online purchases. I rarely order anything online with a credit card. When I asked how I might prevent this in the future, they said to order only from secure sites that begin with "http."
Secure sites begin with https
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