Welcome to the North American Subaru Impreza Owners Club Saturday July 12, 2014
Home Forums WikiNASIOC Products Store Modifications Upgrade Garage
North West Impreza Club
Here you can view your subscribed threads, work with private messages and edit your profile and preferences Home Registration is free! Visit the NASIOC Store NASIOC Rules Search Find other members Frequently Asked Questions Calendar Archive NASIOC Upgrade Garage Logout
Go Back   NASIOC > NASIOC Chapters > North West Impreza Club Forum -- NWIC

Welcome to NASIOC - The world's largest online community for Subaru enthusiasts!
Welcome to the NASIOC.com Subaru forum.

You are currently viewing our forum as a guest, which gives you limited access to view most discussions and access our other features. By joining our community, free of charge, you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is free, fast and simple, so please join our community today!

If you have any problems with the registration process or your account login, please contact us.
* Registered users of the site do not see these ads.
Reply
 
Thread Tools Display Modes
Old 08-07-2006, 07:33 AM   #1
Signal Monkey
Scooby Newbie
 
Member#: 82060
Join Date: Feb 2005
Chapter/Region: NWIC
Location: Bremerton/Silverdale/Tacoma
Vehicle:
2004

Unhappy ATM Card Skimmed....

Well this is a bummer.. someone skimmed my card and has been using it in Europe.. all my money is gone. This sucks and I can't call anyone until the banks open this morning. Anyways, just a bit of advice to everyone, be careful with your card.
* Registered users of the site do not see these ads.
Signal Monkey is offline   Reply With Quote
Old 08-07-2006, 09:05 AM   #2
stiIV
Scooby Specialist
 
Member#: 88698
Join Date: Jun 2005
Chapter/Region: NWIC
Location: Port Orchard, WA
Vehicle:
'05 Best e.t. 11.8
Best Trap: 123 MPH

Default

That is a bummer man, I really hope you get everything sorted out
stiIV is offline   Reply With Quote
Old 08-07-2006, 10:13 AM   #3
baldchicken
Scooby Specialist
 
Member#: 92670
Join Date: Aug 2005
Location: OREGON
Vehicle:
03 WRX
Silver

Default

how did they manage to do that?
baldchicken is offline   Reply With Quote
Old 08-07-2006, 11:43 AM   #4
04_wagon
Scooby Specialist
 
Member#: 105929
Join Date: Jan 2006
Chapter/Region: TXIC
Location: far enough from you
Vehicle:
2004 wagon
shiny

Default

that sucks more than tera patrick. sorry dude
04_wagon is offline   Reply With Quote
Old 08-07-2006, 11:55 AM   #5
Keshav
Scooby Specialist
 
Member#: 1654
Join Date: Jun 2000
Chapter/Region: NWIC
Location: Seattle, WA, USA
Vehicle:
1998 GC8 Unicorn
MV Agusta Brutale S

Default

use it at any seedy ATMs or businesses recently?
Keshav is offline   Reply With Quote
Old 08-07-2006, 12:38 PM   #6
soundwave oe
Scooby Newbie
 
Member#: 121223
Join Date: Jul 2006
Chapter/Region: NWIC
Location: renton, wa
Vehicle:
2000 2.5 rs
brp

Default

as long as its a credit card you hopefully should be alright. If its debit there aren't nearly the same security backups to help you get your money back itnernationally, this happend to a friend of mine 3 months ago too hope everything works out
soundwave oe is offline   Reply With Quote
Old 08-07-2006, 01:34 PM   #7
Kraziken
Scooby Specialist
 
Member#: 38629
Join Date: Jun 2003
Chapter/Region: NWIC
Location: Northwest
Vehicle:
1999 Legacy GT (STI)
White

Default

Did you use it to purchase anything online? That would be my guess if someone in Europe is using it.

I try to use pure credit cards for online purchases, and if I have the option I check the option so they DON'T keep the card info.

I have used my debit online before but I've quit. I'm tempted to get rid of it for local purchases, but it's so convenient. I'm considering getting a second credit card for all local purchases and make a hard rule to pay off the balance every month.

I'm afraid of that I might not be that disciplined though, which is why I haven't done it.
Kraziken is offline   Reply With Quote
Old 08-07-2006, 04:15 PM   #8
EZ Rider
Scooby Specialist
 
Member#: 38224
Join Date: Jun 2003
Chapter/Region: NWIC
Location: WA
Vehicle:
2004 WRX
White

Default

Damn, that sucks. I try not to keep very much in my checking account for that reason.
EZ Rider is offline   Reply With Quote
Old 08-07-2006, 04:46 PM   #9
kaspur_eh
Scooby Specialist
 
Member#: 80569
Join Date: Jan 2005
Chapter/Region: NWIC
Location: Bend/Corvallis, Oregon
Vehicle:
1996 OBS

Default

I'm pretty sure as long as its a VISA/MC etc. They will always refund you, or maybe it depends on the bank, I know WAMU does.

Quote:
$0 liability Fraud Coverage on your Debit MasterCard†
Hopefully you bank with them?
kaspur_eh is offline   Reply With Quote
Old 08-07-2006, 05:26 PM   #10
CosmoTheCat
Scooby Newbie
 
Member#: 3409
Join Date: Jan 2001
Chapter/Region: NWIC
Location: Woolley
Vehicle:
1998 Ram 2500
Green.

Default

I've got connections in banking, what bank is it?
CosmoTheCat is offline   Reply With Quote
Old 08-07-2006, 06:04 PM   #11
Signal Monkey
Scooby Newbie
 
Member#: 82060
Join Date: Feb 2005
Chapter/Region: NWIC
Location: Bremerton/Silverdale/Tacoma
Vehicle:
2004

Default

Ok well here's the update... I guess I have to file a police report first before the bank can do anything. The only problem with that is that I'm stationed in korea right now and I doubt that the korean police would undertand what I was trying to tell them.. or if they would even be bothered.
But that's ok since I have family still in washington that can file a report on my behalf.

So.. I'm still fostering hope that I can recover the money that was taken.. it is a Visa Debit card, and I think if I contest the charges that were made I can get my money back. Thank god.

Anyways, we'll see what happens and I'll let you guys know.

BTW, I haven't used my card on the intertnet for a few years now. I don't really know how they got my information but I've heard that this has happened to a few people that are with this credit union. .. so.. if you bank with Kitsap Federal Credit Union you might want to keep a close eye on your accounts. Becuase I don't think they really tell everyone when their systems are compormised.
Signal Monkey is offline   Reply With Quote
Old 08-07-2006, 06:20 PM   #12
kaspur_eh
Scooby Specialist
 
Member#: 80569
Join Date: Jan 2005
Chapter/Region: NWIC
Location: Bend/Corvallis, Oregon
Vehicle:
1996 OBS

Default

What about the MP's or SP's on base, do they handle stuff like that?

(i mean taking reports)
kaspur_eh is offline   Reply With Quote
Old 08-07-2006, 08:41 PM   #13
EJS
Scooby Specialist
 
Member#: 85756
Join Date: Apr 2005
Chapter/Region: NWIC
Location: WA
Vehicle:
2004 WRX SRR on Gold
2011 Tundra DC RW

Default

I thought this had happened to me once.. I used my card at an atm and it said negative funds. This was like a few days after I deposited a couple paychecks, so I knew I had money. But it turned out that the teller mis-wrote my checking account number and deposited my paychecks into someone elses account. She had the number off by two digits. It was a weird deal and Im glad i kept my reciept from that transaction. Got it all fixed. Imagine being on the other end of that though, a bunch of extra money just appears in your account. Im glad it wasnt a skimmer or ID theft thing though. Good luck with your case, im pretty sure you have fraud protection for this.
EJS is offline   Reply With Quote
Old 08-07-2006, 08:56 PM   #14
team23jordan
Scooby Specialist
 
Member#: 48132
Join Date: Nov 2003
Chapter/Region: NWIC
Location: 425
Vehicle:
2011 STi
SWP

Default

Quote:
Originally Posted by Signal Monkey
Ok well here's the update... I guess I have to file a police report first before the bank can do anything. The only problem with that is that I'm stationed in korea right now and I doubt that the korean police would undertand what I was trying to tell them.. or if they would even be bothered.
But that's ok since I have family still in washington that can file a report on my behalf.

So.. I'm still fostering hope that I can recover the money that was taken.. it is a Visa Debit card, and I think if I contest the charges that were made I can get my money back. Thank god.

Anyways, we'll see what happens and I'll let you guys know.

BTW, I haven't used my card on the intertnet for a few years now. I don't really know how they got my information but I've heard that this has happened to a few people that are with this credit union. .. so.. if you bank with Kitsap Federal Credit Union you might want to keep a close eye on your accounts. Becuase I don't think they really tell everyone when their systems are compormised.
i can possibly help you out translating but i dont think they are gonna care
when do u get back to WA?
team23jordan is offline   Reply With Quote
Old 08-07-2006, 09:11 PM   #15
gtwagon941
Scooby Specialist
 
Member#: 16874
Join Date: Mar 2002
Chapter/Region: NWIC
Location: Beaverton, OR
Vehicle:
2008 2008 Audi RS 4
2014 Audi S Q5

Default

Did you call your bank or Visa? If you only called your bank I would call Visa directly and see what they say. My experience is that the credit card companies are pretty helpful in keeping you, the customer, protected.

Either way it really sucks because you don't have that money until it is worked out. I had a similar issue where someone hacked into my PayPal account and sent themselves more money than I even had. Dealing with that was really interesting, especially considering it happened during finals week at college.

Good luck to you.

Jared
gtwagon941 is offline   Reply With Quote
Old 08-08-2006, 08:20 AM   #16
Signal Monkey
Scooby Newbie
 
Member#: 82060
Join Date: Feb 2005
Chapter/Region: NWIC
Location: Bremerton/Silverdale/Tacoma
Vehicle:
2004

Default

Well.. I started an investigation today and they (CID or Criminal Investigation Department) told me that the case either has to go to Interpol or Secret Service since it involves so many diffrent countries. (I'm in Korea, my bank is in the states, and the theft happened in Italy and France) But in all honestly they told me that there's little to no chance in finding the guy.

At least from what I've been hearing I will be able to recover the money, but I still have the hassle of changing all my banking accounts and how I have my bills setup to be paid...

Anyways, thanks for listening. If anything really interesting happens like it would in those movies where the guy finds out that he's linked to some crazy international conspricy, I'll let you know.
Signal Monkey is offline   Reply With Quote
Old 08-08-2006, 11:59 AM   #17
drew510
Scooby Newbie
 
Member#: 13319
Join Date: Dec 2001
Chapter/Region: NWIC
Location: Portland, OR
Vehicle:
2000 OBS stage MM
Sedona Red

Default

You might not have to close your account if you push hard enough. I work for a bank and handle these kind of claims. Because their access point was through your debit card, technically all you need to do is cancel that card. BUT, the credit union probably has a policy that any fraud on an account warrants closure. While a PITA, they are doing it to protect you (mostly them) from future fraud. The police report is probably their gig as well. We don't require one on debit card claims. The bank is required to give you "provisional" credit under Reg E rules and should do so very quickly. In this type of fraud, the bank will take the loss (esp. if card and PIN were used), you will get your money and the bad guys get away.

You may have seen in the news several months back about a breach "supposedly" at Office Max. Don't think it was ever proven to be them, but they were being pointed at by the press. We got hit by it and lost a decent chunk of money. Our customers got all their money back. There was nothing they could do to prevent it other than not shopping at the breached merchant. I am guessing something similar happend to you.

A big PITA, but in the end you should get your cash back. Cheers.
drew510 is offline   Reply With Quote
Old 08-08-2006, 01:59 PM   #18
EnterTheDragon
Scooby Guru
 
Member#: 6511
Join Date: May 2001
Chapter/Region: NWIC
Location: West of the Atlantic
Default

I saw a presentation by a secret service agent while I was in school. He did a presentation on skimming. That crap is scary...never use credit at a restarauant where the waiter can walk away with your card and skim it. Those skimmers are only like $250.
EnterTheDragon is offline   Reply With Quote
Old 08-08-2006, 04:37 PM   #19
ejasons
Scooby Newbie
 
Member#: 48284
Join Date: Nov 2003
Chapter/Region: NWIC
Location: Beaverton, OR
Vehicle:
2008 Impreza WRX STi
DGM

Default No debit card

I think that it is a bad idea to have a debit card at all!

With a credit card, if there are fradulent charges, then you dispute and never pay them; with a debit card, the money disappears from your account, then you have to figure out how to get it all back...

With most banks, you can get an ATM card, which will allow you to use the ATMs, and pay at grocery stores and such (with a PIN number). However, this card cannot be used in lieu of a credit card. Use a real credit card for that...

Jason
ejasons is offline   Reply With Quote
Old 08-08-2006, 05:58 PM   #20
Kraziken
Scooby Specialist
 
Member#: 38629
Join Date: Jun 2003
Chapter/Region: NWIC
Location: Northwest
Vehicle:
1999 Legacy GT (STI)
White

Default

Quote:
Originally Posted by ejasons
I think that it is a bad idea to have a debit card at all!

With a credit card, if there are fradulent charges, then you dispute and never pay them; with a debit card, the money disappears from your account, then you have to figure out how to get it all back...

With most banks, you can get an ATM card, which will allow you to use the ATMs, and pay at grocery stores and such (with a PIN number). However, this card cannot be used in lieu of a credit card. Use a real credit card for that...

Jason
Yes, this is the problem. It is protected by VISA, but if your funds are all extracted, then bills bounce etc while you are trying to figure out what the the heck is going on.

I think this has convinced me to remove that VISA logo from my debit card.
Kraziken is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Man finds actual ATM card skimmer rogue Off-Topic 19 04-07-2009 11:17 AM
Is there a plain ATM card anymore? Help with banking for a 12 year old. L Bo Off-Topic 51 05-31-2007 10:50 AM
ATM Card Stolen!! 311grassroots Off-Topic 14 09-08-2005 10:22 AM
ATM Card fraud pfhlipwrx Texas Impreza Club Forum -- TXIC 17 05-05-2004 06:53 PM
Are you Gay if you drink skim milk? 02bump'nWRX Off-Topic 35 03-13-2003 11:40 AM


All times are GMT -4. The time now is 10:22 AM.


Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Powered by Searchlight © 2014 Axivo Inc.
Copyright ©1999 - 2014, North American Subaru Impreza Owners Club, Inc.