Whoop, I guess my ATM card got skimmed

Discussion in 'Stolen Property & Criminality' started by Kar98, Jan 12, 2017.

  1. Kar98

    Kar98 Active Member

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    On Tuesday, I mailed something off at the post office in Richardson, at 12:03, got some stuff at the Aldi nearby-ish on Belt Line at 12:12, and at 12:36, somebody successfully pulled $400 out of an ATM at the CVS on 2323 W Illinois in Dallas, and immediately tried again but was denied this time.

    I noticed that transaction at around 9 that night, checked with the wife just in case although I was sure she didn't do it, and called immediately to get both cards blocked. Went to the bank in person the next morning, signed a form stating it wasn't me and requesting both the $400 the perp withdrew and the $150 overdraft charge to be credited back to me. Went to Dallas PD HQ on Lamar to file a report, both just because, and because the bank asked me to, since they'd like their money back also. Detective there stated he won't take a report because I already filed with the bank and depending on whether they'd refund me or not, they would then take a report from whoever had incurred the actual damage.

    Bank has refunded me since, so I guess it's their problem now to have the perp chased down. And I guess getting gas in strange parts of town is something I shouldn't do in the future. In case you're wondering, a skimmer is a device that gets attached to legit card readers by criminals, which,
    while you conduct your transaction, records the magnetic strip and your PIN input, which is then used to make a copy of your card. Chip and PIN is supposed to prevent that, but as long as there's strip readers and cards with strips, that will be an issue.

    Not sure what my conclusions are about this yet. Get gas only at your usual locations? Always prepay inside? Definitely watch out for wonky looking card readers. And monitor your bank account several times a day!
     


  2. Dawico

    Dawico TGT Addict

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    $150 overdraft fee? I would be bank shopping once it is settled.
     
  3. majormadmax

    majormadmax TGT Addict

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    I always grab and vigorously shake card readers before putting my ATM card in them. I also cover the keyboard with my other hand while I am inputting my PIN. Both can stop such incidents from occurring.

    Sad that we have to take such countermeasures, but it's a fact of life. Sorry to hear you got skimmed, but at least you're getting refunded!
     
  4. AustinN4

    AustinN4 TGT Addict

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    Not familiar with Aldi, is that a self serve gas station? If so, is it manned 24 hours, or unmanned? I would think and unmanned station would have a greater chance of having a skimmer.
     
    Last edited: Jan 12, 2017
  5. Kar98

    Kar98 Active Member

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    Nah. They promptly re-credited me for everything, they are a small Texas bank and they have the best conditions I could find even after trying to shop around. I never have to talk to a phone menu, always personal service. And the $150 was because there were several legit transactions pending which then promptly incurred their very own overdraft fee each.
     
    Last edited: Jan 12, 2017
  6. Kar98

    Kar98 Active Member

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    Aldi is a chain of small German grocery stores. Dollar Store pricing, but HEB-ish products.

    https://www.aldi.us/en/

    There are two Aldi chains, Aldi North and South, in Germany, run by two brothers (ALbrecht DIscount grocers). Aldi South runs Aldi US, and Aldi North bought and runs Trader Joe's.
     
    Last edited: Jan 12, 2017
  7. Eli

    Eli Well-Known

    Never use your PIN on a standard transaction. Period. It's next to impossible to get refunded on fraud, you got lucky - ask me how I know!
    I strongly suggest getting - and using - an actual Credit Card for day-to-day transactions, and using the ATM/Debit Card only for transactions involving a bank! Credit cards offer a lot of fraud protection, debit cards offer next to none - especially if they get your PIN.

    Eli
     
  8. ZX9RCAM

    ZX9RCAM Over the Rainbow bridge... TGT Supporter

    Why would you pay cash when you could use a CC and get cash back?
    If you could have paid cash, you would also have been able to pay the CC back immediately, and not incurred any interest.
     
  9. Renegade

    Renegade TGT Addict

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    Good to know. In the future, if I see a crime I will not report it to police, since they are only interested in taking reports from those that had incurred the actual damage.
     
  10. peeps

    peeps Well-Known

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    Dude, what's up with police these days....Having hell trying to get these vehicle burglars arrested, or at least given a trespass warning issued, on the complex my wife manages.. lazy effers!

    Glad you got the cash back, and thanks for the shake card reader tip, hadn't thought of that one.
     

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