My DIL is being robbed

@dragon54u (31636)
United States
September 7, 2017 5:39pm CST
My DIL has lost hundreds of dollars recently in some sort of scam. They put charges on her debit card till her account is overdrawn then she has to pay NSF fees. She says it's not her and it's not. The bank reverses the charges and fees and issues her another bank card and it happens again! 3 times with Chase then she switched to a credit union. She found out today that the new account has been pilfered. How did they even know she switched banks?! We have sat here and watched as charges appear on her card--she, my son (her husband) and I and the store where it happens will not look at the security footage to find out who is doing it. Right now she is at the credit union. I've dealt with them for years and I hope they will do something. Chase certainly didn't care enough to make any kind of investigation or help prevent her being scammed. I wonder how they are doing it, how they know she has switched banks, how they get her new card number? And how they make charges on her bank card without having the card--it is in her purse usually and when it was used last night it was locked in my safe! Any ideas? Has this ever happened to you?
21 people like this
21 responses
@Corbin5 (115753)
• United States
7 Sep 17
This is just awful. Shame on Chase for not investigating this. I have no idea how they are doing this. I did read that thieves will install card readers, undetectable, on ATM machines and on gas pumps and the numbers on the card are now in the hands of the thieves.
8 people like this
@dragon54u (31636)
• United States
7 Sep 17
I thought about a skimmer but she doesn't use her card for gas just because of that very thing. Most of the charges are at a major chain convenience store and if there is a skimmer there it would need employee cooperation since it's a 24-hour store and it would have to be installed without anyone seeing. It's a big mystery!
7 people like this
@nanette64 (17934)
• Fairfield, Texas
8 Sep 17
@dragon54u A scammer (s) got into Equifax and stole social security numbers, credit card numbers, bank accounts, names, addresses.
4 people like this
• United States
8 Oct 17
@dragon54u sometimes the employees themselves are installing the skimmers. It has happened recently in the next state over from us. Have only heard of 2 gas stations in town that it happened to at the pumps. One was a station that I had purchased gas from. I checked my records and it was way before this finding.
1 person likes this
@sol_cee (17302)
• Saint Vincent And The Grenadines
8 Sep 17
That sounds very alarming. If it happened to her, it can happen to anyone.
6 people like this
@dragon54u (31636)
• United States
8 Sep 17
It happened to me just once, someone got a cash advance on a credit card I'd never used and sent it to Spain! I was immediately credited and received a new card. Scary, though!
2 people like this
@sol_cee (17302)
• Saint Vincent And The Grenadines
8 Sep 17
@dragon54u can't she just close the account? Seems like it's going to happen again and again.
2 people like this
@dragon54u (31636)
• United States
8 Sep 17
@sol_cee She needs the account to get her social security. She's going to tell them not to issue a new card and just withdraw what she needs in person every couple of weeks. I think I'll do that, too. I used to but the debit card is so convenient--it's too dangerous these days, though.
1 person likes this
@poehere (17680)
• French Polynesia
8 Sep 17
Has she ever used this card online? If the answer is yes, then it is simple. She has some sort of tracker on her computer and it needs to be removed. They are tracking her keystrokes and monitoring her online activity. I would suggest that she takes her laptop to a specialist and have them go through it carefully.
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
No, she's scared to buy anything online. She's very backward when it comes to computers.
1 person likes this
@poehere (17680)
• French Polynesia
8 Sep 17
@dragon54u Plain and simple. If the card is being scanned at a market, someone has a duplicate card for her. If the card is used online someone has gotten her card and number. There is only one thing to do. Go to the police they can make the store show them the tape of the person using her card. Plus, cancel her card at the CU. If this keeps happening, they won't continue to absorb these charges and losses. You need to act now and so something drastic to find out who is using her card. After the first incident, she should of gone to the police. She has waited so long now it might look like she is committing fraud. I don't know. But go to the police and file a report.
1 person likes this
@dragon54u (31636)
• United States
9 Sep 17
@poehere Ann, things are turning around! The CU is going to subpoena the tapes and prosecute the thief. This girl is very backward and did not go to the police. She's been sheltered all her life and knows nothing about such things. Long story, but she's learning a lot about life and proving to her family that she is not stupid and is perfectly capable of caring for herself. Her mom would not even let her have a phone! Anyway, the CU is taking care of it where Chase just told her there was nothing they could do. Hooray for credit unions!
@Srbageldog (8244)
• United States
8 Sep 17
I have on occasion had someone get ahold of my card number and make unauthorized charges to it, but never consistently and to the point where they followed me to another bank! That is scary. I hope she gets it sorted out soon and puts a stop to it!
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
It is scary because it seems hostile and malevolent. I think she'll cancel the card and do her banking in person.
2 people like this
• United States
8 Sep 17
@dragon54u I just heard that one of the main credit agencies (Equifax I think) had a major security breach that lasted for a few months... Over 143 million Americans personal identifying information has been stolen. It's possible that's what happened to your daughter! They said the hackers had access to social security numbers and credit card/debit card/banking account numbers. I immediately thought of this discussion when I heard about it.
1 person likes this
@dragon54u (31636)
• United States
9 Sep 17
@Srbageldog I just heard that myself! Why, oh why, don't these companies protect themselves?! I'm getting the free year of credit monitoring since I'm one whose information was likely to have been stolen. There certainly are horrible people in this world doing that to so many innocent consumers.
1 person likes this
@much2say (40138)
• United States
7 Sep 17
Oh my, it's as if she is being followed somehow, at least her financial numbers anyway . . . I don't know how they do it and oh how violated she must feel to say the least. At that point, I would want to stop using all cards immediately until the banks/credit unions figure it out - that's a big security issue!
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
She's on SS disability and they are stealing her support, what low life people!! I don't know what she'll do but she'll have to change something. They are at the credit union talking to them now.
2 people like this
@much2say (40138)
• United States
8 Sep 17
@dragon54u I hope they were able to figure something out . . . yes, they are stealing her support! Someone got a hold of my husband's debit card number . . . and you will not believe that it was used in a KFC in Pakistan - geez, all the just to get some chicken ???
1 person likes this
@dragon54u (31636)
• United States
9 Sep 17
@much2say Oh my, your husband's debit card is now very well traveled! I know it's not funny, but it is--someone steals it just to get chicken in Pakistan! I hope everything turned out okay in that situation. I had someone steal from a credit card I never used to send money to Spain but they immediately fixed it for me.
1 person likes this
@RubyHawk (29196)
• Atlanta, Georgia
7 Sep 17
No, that sounds unreal. How do the thieves know so much about her? I've. Ever heard of anything like this. I believe if I were her I wouldn't use a debit card again. I'd put everything on a credit card.
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
She can't get a credit card because the one card she got was used by some roommates and run up $200. She straightened that out finally but won't use it again and her credit is really bad because of that, it shows she missed payments because she did not know she had a balance. These kids do everything online nowadays and why should she check if she hadn't used it? It's trouble every time!
2 people like this
@RubyHawk (29196)
• Atlanta, Georgia
8 Sep 17
@dragon54u That poor girl is in a hard place. I would have a serious talk with my bank to find out what can be done. I wonder how they got her pass code.
1 person likes this
@dragon54u (31636)
• United States
9 Sep 17
@RubyHawk Yes, and how did they know she switched banks?! The credit union, unlike Chase, is taking this seriously and intends to subpoena the video tapes of the store it is happening most at. They will prosecute the person once they find him. Chase could not care less. I'm glad I talked her into going to the credit union, at least they care about their depositors!
1 person likes this
@Susan2015 (21673)
• United States
7 Sep 17
Happening that many times to one person is kind of unusual. Check for malware on the computer and don't do anymore online banking things or shopping for a while if she does that. Don't use the cards at ATM's other than the bank.
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
She doesn't have a computer, she does everything on her phone. I wonder if she doesn't have a virus on it, do phones get viruses?!
2 people like this
@Susan2015 (21673)
• United States
8 Sep 17
@dragon54u Yes it can get a virus too.
2 people like this
@dragon54u (31636)
• United States
8 Sep 17
@Susan2015 My son will be cleaning her phone tonight and rebooting it.
2 people like this
@LadyDuck (175750)
• Switzerland
8 Sep 17
We need a PIN here to use the card, even if someone could know the number is worthless. I cannot understand how this happened.
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
I don't understand it, either, but the bank deals with things like this daily. I can only hope the person doing it gets what they deserve.
2 people like this
@LadyDuck (175750)
• Switzerland
9 Sep 17
@dragon54u They must find out who is doing this.
1 person likes this
@YrNemo (14703)
8 Sep 17
That sounds bad. Hope she got everything sorted out soon. (Her machine must have been hacked!)
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
No computer but maybe her phone was hacked, or maybe she got caught by a skimmer. Either way, she's getting rid of the debit card permanently and dealing only in person with the bank from now on.
2 people like this
@YrNemo (14703)
8 Sep 17
@dragon54u oh yes, I heard of cell phones being hacked. A good move, direct dealing in banking matters. (An IT friend of mine, in his 50s, refuses to use internet banking, can you believe that?)
2 people like this
@TRBRocks420 (82500)
• Banks, Oregon
8 Sep 17
It's awful I wish there was some kind of protection from this sort of thing. I know I will never allow automatic payments again.
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
Yep, I recall your problem with NetFlix. Auto payments should be illegal. What sense does it make?! It's good for the banks, though, because I'll bet they rack up a lot of NSF charges!!
2 people like this
@toniganzon (53346)
• Philippines
7 Sep 17
In January I saw charges in my credit card that I never purchased at all. Called the hotline, they reversed it and gave me a new credit card. It never happened again after that. I have no idea how those scammers are doing it.
3 people like this
@dragon54u (31636)
• United States
8 Sep 17
That happened to me a couple years ago, too. It's scary and I was super careful for months afterward.
2 people like this
@Kandae11 (40370)
7 Sep 17
All I can say is that as technology advances we'll be seeing more of these kinds of scams. I hope the perpetrators are caught.
3 people like this
@dragon54u (31636)
• United States
7 Sep 17
I hope they are caught, too, but I'll settle for her account being secure so she doesn't have to constantly worry. Technology is indeed a double-edged sword!
2 people like this
@Courtlynn (55154)
• United States
7 Sep 17
Oh god. That's terrible! Hope it stops soon!
3 people like this
@dragon54u (31636)
• United States
7 Sep 17
Yes, on top of all their other troubles it's almost intolerable and she broke down and cried today. I wish nothing but ill luck on people that do this sort of thing!
2 people like this
@indiandevil (2098)
• Rothesay, New Brunswick
7 Sep 17
It sounds like she may know the person who's ripping her off, or they have hacked her computer/email etc and knows when things are changing.
3 people like this
@dragon54u (31636)
• United States
7 Sep 17
She doesn't know many people besides her family and mine, certainly no one close enough to tell her financial business to. She does a lot of stuff on her smart phone, maybe they find out through that. I'll ask my son, he's the computer whiz.
1 person likes this
@nanette64 (17934)
• Fairfield, Texas
8 Sep 17
This is probably from the Equifax incident @dragon54u . 143 million Americans affected.
2 people like this
@dragon54u (31636)
• United States
9 Sep 17
It could be, I'm one of those affected. But this girl has never had any kind of financial product other than a bank account so I have my doubts. The credit union, unlike Chase, is investigating and subpoenaing the store's tapes where most of the activity is and they intend to prosecute the offender. We should get this straightened out soon!
1 person likes this
@nanette64 (17934)
• Fairfield, Texas
9 Sep 17
@dragon54u Hmmmmm...and I don't think the 3 credit bureaus watch bank accounts; unless their has been a loan through the bank.
@KristenH (24921)
• Cuyahoga Falls, Ohio
7 Sep 17
It never happened to me. I hope it can be straightened out.
2 people like this
@dragon54u (31636)
• United States
8 Sep 17
Oh, another Ohio native!!! I love, love, love Ohio!! Unfortunately, I'm stuck here in Arizona and thieves are very common here. I know they are in Ohio, too, but I never had credit card theft or anything there. It all happened to me out here! Enjoy your nice weather there, it's still like an oven here in Arizona, the armpit of the world!
2 people like this
@KristenH (24921)
• Cuyahoga Falls, Ohio
8 Sep 17
@dragon54u Thanks so much. I'm originally from New Jersey. Rght now, it's cool and will be in the 60s this afternoon.
2 people like this
• United States
8 Oct 17
There are devices that can read the information off your card while it is in your purse or wallet. Not sure how it works, but I remember hearing about this and of course I am concerned. My advice would be to only use cash. There are so many ways to scam us these days.
1 person likes this
@dragon54u (31636)
• United States
8 Oct 17
It was her husband, my son. Pretty low, huh? I keep my debit card in a special little case that prevents devices from reading them. It takes a little extra effort to get to them but it's worth it!
1 person likes this
@JudyEv (134735)
• Bunbury, Australia
27 Sep 17
This is terrible. Surely someone will help her. I hope she gets some help soon.
1 person likes this
@JudyEv (134735)
• Bunbury, Australia
30 Sep 17
@dragon54u That is very sad. I hope your son overcomes his addiction eventually and realises what a treasure his wife is.
@paigea (22484)
• Canada
8 Sep 17
How awful! We have had that with our credit card but Mastercard took care of it and it didn't keep happening
1 person likes this
@dragon54u (31636)
• United States
9 Sep 17
It looks as if the credit union she just joined is going to subpoena the store tapes and prosecute the thief. Big, bad bank like Chase could not care less about this theft but our little credit union cares about its depositors. It will be a relief to find out who it is and have it stop!
2 people like this
@Hatley (164485)
• Garden Grove, California
20 Sep 17
@dragon54u my bank phones me if thjeu dodnot redobioized a charge so so far I had two incidednts where so meo ne got mydebit card numbers the bank refused toho nor them pjonme dan then issued me a new card with secure numbers too some nanks will refuse cjragesif tjheuy thinkitsd a raud andphoeyou
@kobesbuddy (55006)
• East Tawas, Michigan
8 Sep 17
If someone has gotten her personal information, SS#, other id information, they can do pretty much whatever they please. My suggestion to her would be close out all cards, period. That's her only means of escape from this scam. Banking online? Anyone on earth can tap into that information, as long as they have access to a computer!:(
1 person likes this
@dragon54u (31636)
• United States
9 Sep 17
What a shame it's come to this, where we are scared to even do banking. I wish the evil people would go away!!
1 person likes this
@kobesbuddy (55006)
• East Tawas, Michigan
9 Sep 17
@dragon54u They are very wicked, that's for sure!:(