Victim Of Debit Card Skimming - TranceAddict Forums

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-- Victim Of Debit Card Skimming
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Posted by FunkyCrew on Aug-05-2010 17:24:

quote:
Originally posted by *~LiSa-LoO~*
I've only ever dealt with TD and BMO, so I don't know how CIBC works. TD's suspicious activity department is awesome though. When I've made large purchases in other cities they often call just to confirm it's really me.

TD didn't block my account either when it happened. I could still use it - I just wasn't reimbursed until later. I'm sure if I had to use overdraft too they would have refunded the fees b/c it's not my fault.

Switch to TD! lol

I'm thinking PC since they now have email transfers for PC accounts, I'm really thinking of going with them - no fees!
but me = lazy

Posted by geroin on Aug-05-2010 17:24:

quote:
Originally posted by Sasha
not true.

mine was compromized 2 weeks after i got it

quote:
Originally posted by shagnew13
Think again, I had mine compromised about 2 months after I got mine. Had to go into TD and get a new one.

They withdrew 400, then tried another 400 and failed, and a flag went up cause I only have a limit of 500, and they tried another 80, and were denied again.

Called when I checked my balance and was out 400, had to go into the bank and get another card, they told me it would take 4-5 business days, it was back in there the next day.

Hence I have changed my Pin and cover up the card wherever I go now.

i don't need to think, i used to work at rbc visa cards services for 3 years, i know how these cards work.

the reason they were still compromised is because many of the atm machines at your banks still use the old technology, only limited amounts of atm machines have completely changed to CHIP based cards only so when you insert a regular card in it, it still accepts it, so what they do is they just copy the information from the magnetic stripe on your CHIP debit or credit card and then just use it the same old way like they used to compromise it before. CHIP technology is impossible to copy yet but that's if the places you go to only use chip, this way it will not be compromised ever, unfortunately it will take another 2-3 years until most businesses and banks completely switch over.

Posted by *~LiSa-LoO~* on Aug-05-2010 17:24:

quote:
Originally posted by love_child
I went to B.C to visit my brother for a week but I called TD to notify them I would be using it there so I could avoid any complications. Thats why I am suprised they didnt cancel the transactions which took place in Barrie since they knew I would be in B.C

That is strange. Maybe they missed the note on the file or something - b/c usually I do the same thing. Call and notify them that I'll be away.

Posted by *~LiSa-LoO~* on Aug-05-2010 17:26:

quote:
Originally posted by FunkyCrew
I'm thinking PC since they now have email transfers for PC accounts, I'm really thinking of going with them - no fees!
but me = lazy

My parents had a PC account and switched it. Only b/c there weren't many PC machines around - just in the Superstore. (We never use bank machines that aren't from our specific bank). But that was in Windsor, perhaps it's different here?

Posted by FunkyCrew on Aug-05-2010 17:28:

quote:
Originally posted by *~LiSa-LoO~*
My parents had a PC account and switched it. Only b/c there weren't many PC machines around - just in the Superstore. (We never use bank machines that aren't from our specific bank). But that was in Windsor, perhaps it's different here?

you use CIBC machines for PC as well they have a partnership of some sort

Posted by *~LiSa-LoO~* on Aug-05-2010 17:31:

quote:
Originally posted by FunkyCrew
you use CIBC machines for PC as well they have a partnership of some sort

Ah, that would work a lot better. My parents had a PC account a long time ago, so maybe you couldn't then.

Posted by FunkyCrew on Aug-05-2010 17:32:

quote:
Originally posted by *~LiSa-LoO~*
Ah, that would work a lot better. My parents had a PC account a long time ago, so maybe you couldn't then.

probably! the reason why I didn't get it originally was because they didn't support EMT (email money transfer) - I believe now they do
better get my ass into gear about this

Posted by magikb on Aug-05-2010 17:47:

quote:
Originally posted by FunkyCrew
probably! the reason why I didn't get it originally was because they didn't support EMT (email money transfer) - I believe now they do
better get my ass into gear about this

just be prepared that since there are no tellers around, if you ever deposit cash amounts, they will hold your cash on you for up to 10 business days. I switched from there only because of that reason alone. They said for the first 6 months it would be that way anyhow. I wasn't willing to wait it out and went with Scotia instead and got 10 free movies with scene points through them

I have also banked with CIBC and had my card copied on me. They have been good about it and have called me to tell me that it was copied and cancelled my card. The only problem I had with that is they did it on a Friday after work and so I had access to no cash for the whole weekend. It happened to me twice with CIBC actually.

I now refuse to use my bank card at gas station pumps.

Posted by geroin on Aug-05-2010 17:50:

quote:
Originally posted by magikb
I now refuse to use my bank card at gas station pumps.

those are the worst for fraud

Posted by exraver on Aug-05-2010 17:59:

TD blocked my debit card 3 times in last 2 years.
Lucky for me, my account was already overdrawn at the time, so crooks didn't get anything.
TD promptly called me and disabled my card.
My main concern is with convenience store ATMs, these no name companies, I think these are the worst.

Posted by magikb on Aug-05-2010 18:05:

quote:
Originally posted by exraver
My main concern is with convenience store ATMs, these no name companies, I think these are the worst.

I refuse to go to those b/c they charge you 3$ for a fee, plus what your bank charges you. It is a waste of money!

Posted by jester on Aug-05-2010 18:19:

Hasn't happened yet. Usually when I use an ATM thats not part of my bank. Within the same day, I go to my bank and change my pin just in case someone tries to take money from my account.

Posted by jester on Aug-05-2010 18:23:

quote:
Originally posted by geroin
i recommend getting a chip bank card for the future, those cannot be copied, yet.

the chip shit on credit cards...

the person can enter the pin wrong somewhere and be like whoops forgot the pin and leave... go somewhere else and be like yah my pin not working I can sign for it though.

RBC now has the paywave thing or wtv... makes it even worse.

I saw a post about gas stations... especially the ones in the US.

It happened to my father way to many times... there was one time he was filling up in Vegas and a few hours later... Visa calls and they were like did you spend $15k in Mexico. My father like uhh no. Ever since than he just pays in cash.

Posted by FunkyCrew on Aug-05-2010 18:28:

quote:
Originally posted by magikb
just be prepared that since there are no tellers around, if you ever deposit cash amounts, they will hold your cash on you for up to 10 business days. I switched from there only because of that reason alone. They said for the first 6 months it would be that way anyhow. I wasn't willing to wait it out and went with Scotia instead and got 10 free movies with scene points through them

I have also banked with CIBC and had my card copied on me. They have been good about it and have called me to tell me that it was copied and cancelled my card. The only problem I had with that is they did it on a Friday after work and so I had access to no cash for the whole weekend. It happened to me twice with CIBC actually.

I now refuse to use my bank card at gas station pumps.

why 10 days? it's usually 3-5, using CIBC ATM's...
I just applied, yahoo! I'm thinking to keep my existing CIBC account just in case, but switch rent/paychecks to PC

Posted by magikb on Aug-05-2010 18:43:

quote:
Originally posted by FunkyCrew
why 10 days? it's usually 3-5, using CIBC ATM's...

That's what they told me. It didn't matter if it was CIBC or PC b/c they are just affiliates, not directly related. You cannot pay any PC stuff at CIBC either.

Posted by Dior Homme on Aug-05-2010 19:22:

I actually might writing a paper on surveillance and identity fraud for school. I still have to decide if I like this topic or not. But even with new technologies that have hopes of reducing the amount of fraudulent situations, they will still occur. These frauds and scammers will always find a way to scam faster and be even smarter each time they do it.

I've had my debit card compromised twice and credit card once. CIBC gave my house a call. Same with my brother when he had his compromised.

Posted by Intangible on Aug-05-2010 19:32:

What makes me really angry (although not as angry as if I were to ever have money stolen from me) is when TD cancels my card because I have used it at an area of 'risk' and doesn't bother telling me. Then I go to pay for something and my card is declined and I look like a fool. Thank got its never happened at a restaurant. They really should call you if they are going to cancel your card...

Posted by geroin on Aug-05-2010 19:47:

quote:
Originally posted by jester
the chip shit on credit cards...

the person can enter the pin wrong somewhere and be like whoops forgot the pin and leave... go somewhere else and be like yah my pin not working I can sign for it though.

RBC now has the paywave thing or wtv... makes it even worse.

I saw a post about gas stations... especially the ones in the US.

It happened to my father way to many times... there was one time he was filling up in Vegas and a few hours later... Visa calls and they were like did you spend $15k in Mexico. My father like uhh no. Ever since than he just pays in cash.

oh ok

No, if you are using a chip card on a chip terminal and the company allows you to sign for whatever reason they take full responsibility for the transaction and if it is fraudulent they have to cover the expense. Unless the merchant is an idiot they won't allow you do that.

pay wave max amount you can spend is $40.

In united states they do not use chip cards, they swipe your chip card which works the same way like an old card, did you even read my post?

Posted by exstasie on Aug-05-2010 20:49:

Way to much stuff to read...

Is there any questions that need clarification or not quite sure about the answer? I work very closely to this field and it is my expertise

You should be fully reimbursed if there is clear evidence that the Fraud was not perpetrated by you. If there is any possibility that the Fraudulent claims might not be legit, then there it will take a longer process to get your funds back as they banks will conduct their investigations.

As for the time it takes to get back, it is all dependent on the bank and how their reconciliation departments are. Some banks will refund you before you even know the money has left your account. Other banks will take a weeks to refund. It also depends on whether there is clear evidence it was not you. If there is clear evidence then the process if a lot faster.

Posted by exstasie on Aug-05-2010 20:56:

quote:
Originally posted by geroin
oh ok

No, if you are using a chip card on a chip terminal and the company allows you to sign for whatever reason they take full responsibility for the transaction and if it is fraudulent they have to cover the expense. Unless the merchant is an idiot they won't allow you do that.

pay wave max amount you can spend is $40.

In united states they do not use chip cards, they swipe your chip card which works the same way like an old card, did you even read my post?

I'm not an expert on Credit Cards, only on Debit Cards, but the way it is suppose to work in Canada, according to EMV standards, if you have a Chip Card and use a Chip Terminal you HAVE to conduct a Chip transaction.

The terminal won't even allow you to swipe the card to sign for it. The only option will be to insert the chip and type in the PIN. This is to prevent fake Cards from being used.

Posted by *~LiSa-LoO~* on Aug-05-2010 20:57:

quote:
Originally posted by Intangible
What makes me really angry (although not as angry as if I were to ever have money stolen from me) is when TD cancels my card because I have used it at an area of 'risk' and doesn't bother telling me. Then I go to pay for something and my card is declined and I look like a fool. Thank got its never happened at a restaurant. They really should call you if they are going to cancel your card...

They do. You should check to see which number you have as your primary phone number. B/c when they called me one time about suspicious activity they called my house in Windsor, while I was in Cambridge. So my parents have to call my cell phone and have me call them back. Make sure your cell phone is your primary number for this reason.

Posted by geroin on Aug-05-2010 21:06:

quote:
Originally posted by exstasie
I'm not an expert on Credit Cards, only on Debit Cards, but the way it is suppose to work in Canada, according to EMV standards, if you have a Chip Card and use a Chip Terminal you HAVE to conduct a Chip transaction.

The terminal won't even allow you to swipe the card to sign for it. The only option will be to insert the chip and type in the PIN. This is to prevent fake Cards from being used.

that's for debit cards, for credit cards merchant has an option to manually process the transaction to let the customer sign but they only do that in very rare circumstances.

There is also a huge migration process in place to help elderly people get used to the new system so they let everyone have 3 tries to get their pin number right, once you do that you could not sign anymore but if you were to enter your pin number incorrectly all the time since you got the card it will just print out paper to sign every time, that's still in place afaik.

Posted by Endlesswave on Aug-05-2010 21:17:

I work for the Dept at TD/CT that does that.

With us it does NOT take 2 weeks...it used to take 7 business days max but now they crunched it down to 3 MAX.

Sometimes the cust service people do not know this and give the standard time it took BEFORE.

TIP:

Lower your Atm limit if you don't use your card to take out a lot of cash or do large purchases regularly. You can always increase the limit later via the banks phone service number.

As for chip technology, I'd say places that have it but choose not to use it, I'd say far away from.

Posted by Endlesswave on Aug-05-2010 21:31:

Posted by Endlesswave on Aug-05-2010 21:32:

quote:
Originally posted by *~LiSa-LoO~*
They do. You should check to see which number you have as your primary phone number. B/c when they called me one time about suspicious activity they called my house in Windsor, while I was in Cambridge. So my parents have to call my cell phone and have me call them back. Make sure your cell phone is your primary number for this reason.

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