Debit Card hacked

I am the OP. It took awhile but I finally I have an update. First of all...in my original post I said my daughter was hacked for $6K but it turned out it was $10K and Chase made good on $4K initially hence my saying $6K (I was getting the info second hand from my wife who talked to my daughter.) Chase had claimed that since the perp knew her PIN she had to be responsible.
My daughter put in complaints with the NY AG, consumer fraud agency, DA's office etc...My daughter has a very demanding job and has little time to follow up but my other daughter had vacation time and started digging into it. She got in touch with the NYPD Detective who claimed that Chase ignored his subpoena for video on some of the withdrawals. He sent her a picture of the perp at one ATM and my daughter did some detective work (facial recognition, visible tattoos etc...and ID'd the guy (a Jamaican dude who was part of a ring.....he had done 40 months in prison for similar crimes but got out and resumed his 'craft'.) I haven't talked to her yet to find out if he was arrested but at any rate Chase finally made good on the remaining $6K. I had all but given up that she would be out the money but things started to change lately and finally today my wife talked to her and got the good news. I learned a lot from this and will not use a debit card for much.
 
pbm said:
I am the OP. It took awhile but I finally I have an update. First of all...in my original post I said my daughter was hacked for $6K but it turned out it was $10K and Chase made good on $4K initially hence my saying $6K (I was getting the info second hand from my wife who talked to my daughter.) Chase had claimed that since the perp knew her PIN she had to be responsible.
My daughter put in complaints with the NY AG, consumer fraud agency, DA's office etc...My daughter has a very demanding job and has little time to follow up but my other daughter had vacation time and started digging into it. She got in touch with the NYPD Detective who claimed that Chase ignored his subpoena for video on some of the withdrawals. He sent her a picture of the perp at one ATM and my daughter did some detective work (facial recognition, visible tattoos etc...and ID'd the guy (a Jamaican dude who was part of a ring.....he had done 40 months in prison for similar crimes but got out and resumed his 'craft'.) I haven't talked to her yet to find out if he was arrested but at any rate Chase finally made good on the remaining $6K. I had all but given up that she would be out the money but things started to change lately and finally today my wife talked to her and got the good news. I learned a lot from this and will not use a debit card for much.
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Amazing detective work and perseverance from your daughter!
 
CKN said:
I don't know why anybody would use a debit card. With a credit card you get consumer protection and money back if you use a "rebate card".
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Agree however to get cash out of your checking account you do use a debit card would be the only reason but still a reason.
Other than that, there is no reason to use it for purchases and we see it all day long, people putting their PIN numbers in at checkouts.
I actually find myself trying to look the other way if I am right behind a person/next in line because if your good, its not so hard to figure out what numbers they are punching in.

Glad to hear it was all resolved for the OP's daughter !! Took work but she got it all returned.
 
pbm said:
I am the OP. It took awhile but I finally I have an update. First of all...in my original post I said my daughter was hacked for $6K but it turned out it was $10K and Chase made good on $4K initially hence my saying $6K (I was getting the info second hand from my wife who talked to my daughter.) Chase had claimed that since the perp knew her PIN she had to be responsible.
My daughter put in complaints with the NY AG, consumer fraud agency, DA's office etc...My daughter has a very demanding job and has little time to follow up but my other daughter had vacation time and started digging into it. She got in touch with the NYPD Detective who claimed that Chase ignored his subpoena for video on some of the withdrawals. He sent her a picture of the perp at one ATM and my daughter did some detective work (facial recognition, visible tattoos etc...and ID'd the guy (a Jamaican dude who was part of a ring.....he had done 40 months in prison for similar crimes but got out and resumed his 'craft'.) I haven't talked to her yet to find out if he was arrested but at any rate Chase finally made good on the remaining $6K. I had all but given up that she would be out the money but things started to change lately and finally today my wife talked to her and got the good news. I learned a lot from this and will not use a debit card for much.
Click to expand...
So what motivated Chase to "make good"? Legally-I don't think they needed to.
 
alarmguy said:
Agree however to get cash out of your checking account you do use a debit card would be the only reason but still a reason.
Other than that, there is no reason to use it for purchases and we see it all day long, people putting their PIN numbers in at checkouts.
I actually find myself trying to look the other way if I am right behind a person/next in line because if your good, its not so hard to figure out what numbers they are punching in.
Click to expand...

I have my own system. I put a sum of cash in 20 dollar bills in a secure location at my home. And if I need any cash-I "with drawl" from there. For example-the dog was groomed yesterday-she only takes cash so had to get the cash from there.
 
CKN said:
I have my own system. I put a sum of cash in 20 dollar bills in a secure location at my home. And if I need any cash-I "with drawl" from there. For example-the dog was groomed yesterday-she only takes cash so had to get the cash from there.
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I was in business once had plenty of cash for those purposes. However now everything is electronic into our banks. So only way to get it is debit.
Our household is at least 99% cashless. Funny you mention that!!! Our dog groomer is the only payment we make with cash!.
 
pbm said:
My daughters debit card was hacked and $6000 was withdrawn in 3 withdrawals. The 'fraud dept.' of the bank (a major bank) told her that she's responsible for everything over $500 because they had her PIN #. The guy in the 'fraud dept.' sounded like he was in India and wasn't very nice about it.
She has made a police report. I know that these type instances are protected with credit cards but I've never dealt with 'debit cards'. I'm sure they can pull video at the 3 banks in question to see that it wasn't her withdrawing the cash. Has anybody had a similar experience with a 'debit card' and how was it resolved? Are the protections on a 'debit card' that different than on a credit card? Thanks for any info you have.
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Dang. Too bad. I hear you about India! A few weeks back I had to get in touch with my (very popular) bank because they still showed they had a lien on car I paid off to them over 12 years ago. When I got thru I asked the guy (extremely hard to understand) with thick accent where he was talking to me from. He laughed and said..... "oh not too far away sir. I am in Columbia South America!"
 
alarmguy said:
I was in business once had plenty of cash for those purposes. However now everything is electronic into our banks. So only way to get it is debit.
Our household is at least 99% cashless. Funny you mention that!!! Our dog groomer is the only payment we make with cash!.
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We both know why they want cash only......
 
alarmguy said:
I assume you caught the part that I was a business owner at one time too. :ROFLMAO:
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Well...I was an independent contractor in my sales career before the IRS clamped down on the rules for the companies that used this system. So-it legally afforded me the ability to write off things such a home office, my auto, etc.,
 
Pablo said:
I would love to see the tax returns from every pho restaurant I've been in. Some/most are CASH ONLY. They claim a loss a few years then $129 income one year, COGS of $489,230 and so on......... :cool:
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I get where you are coming from. But generally those people worked far harder and longer then most Americans would put up with.
 
Those that comment about the hate for the debit card, overlook the real issue.
They are handy until they go bad.
The only "Debit" card that I have is for our HSA, and since I only keep a few hundred in it at a time, it isn't a huge risk.
I just had a credit card hit, to the tune of $5600., starting with a small charge in a coffee shop for about $8., with the difference being made in 2 rapid charges from some Ford store in NJ.
The bank shut it down and texted me immediately (within the hour.) I called their security department. Charges immediately placed in review.
Thirty days later, get the letter that all charges were reversed due to fraud. Case closed.
The difference between the two is that my $5600. was not involved in the mess.
Even though some like to whoop up on CC's, it certainly is hard to beat the protections of them.
 
OK....I just spoke to my daughter (the good detective not the 'victim'.)
First I have to correct my earlier statement that "he served 40 months"....that was a mistake...he was 'sentenced' to 40 months in 2023 but typically got out much sooner.

He had records of bank fraud crimes in NY, Florida, Missouri, Washington DC and possibly
other states. My daughter hasn't spoken to NYPD to see if they are going to put out a warrant but from the sound of it she doubts they will. One of his crimes involved over $300K so he's not 'small time'. My daughter actually found his address in The Bronx.(she's an RN but very good at detective work obviously).
CKN said:
So what motivated Chase to "make good"? Legally-I don't think they needed to.
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I don't know about 'legally' but when several large withdrawals are made in 2 days in areas where the debit card owner never withdrew before it should raise suspicion especially when the debit card holder is a white female and the 'withdrawer' is a black male (they have video).
I have gotten calls from my credit card company when someone in the UK tried to use my cc to make a $1200 purchase so it's possible. I can't say what the law is for sure but I believe that if you can prove that you didn't make those withdrawals the bank is responsible.
 
pbm said:
OK....I just spoke to my daughter (the good detective not the 'victim'.)
First I have to correct my earlier statement that "he served 40 months"....that was a mistake...he was 'sentenced' to 40 months in 2023 but typically got out much sooner.

He had records of bank fraud crimes in NY, Florida, Missouri, Washington DC and possibly
other states. My daughter hasn't spoken to NYPD to see if they are going to put out a warrant but from the sound of it she doubts they will. One of his crimes involved over $300K so he's not 'small time'. My daughter actually found his address in The Bronx.(she's an RN but very good at detective work obviously).

I don't know about 'legally' but when several large withdrawals are made in 2 days in areas where the debit card owner never withdrew before it should raise suspicion especially when the debit card holder is a white female and the 'withdrawer' is a black male (they have video).
I have gotten calls from my credit card company when someone in the UK tried to use my cc to make a $1200 purchase so it's possible. I can't say what the law is for sure but I believe that if you can prove that you didn't make those withdrawals the bank is responsible.
Click to expand...

It seems having ATM video of the guy using the ATM was key here. So-if she would have potentially been out 10 grand-then obviously it was worth her time chasing down the info she did.
 
Tdbo said:
Those that comment about the hate for the debit card, overlook the real issue.
They are handy until they go bad.
The only "Debit" card that I have is for our HSA, and since I only keep a few hundred in it at a time, it isn't a huge risk.
I just had a credit card hit, to the tune of $5600., starting with a small charge in a coffee shop for about $8., with the difference being made in 2 rapid charges from some Ford store in NJ.
The bank shut it down and texted me immediately (within the hour.) I called their security department. Charges immediately placed in review.
Thirty days later, get the letter that all charges were reversed due to fraud. Case closed.
The difference between the two is that my $5600. was not involved in the mess.
Even though some like to whoop up on CC's, it certainly is hard to beat the protections of them.
Click to expand...
yup
With a credit card they have to prove you MADE the charge and why charges are easily reversed. Heck all you have to do is click right on your credit cards online portal and its gone.

With a debit card you have to prove that you DIDNT make the charge or withdrawal.
 
The bank had that video and purposefully did not give it to the police because the bank's plan all along was just to stick it to the customer. If they admitted it was actually an unauthorized transaction then the bank would have to eat the loss and that's not good for stockholders.
 
Easy never use a debit card for anything except inside the bank for ID or their cash machine that is inside at the bank.

Either cash or credit card anyplace else. And this is why you never ever want digital currency, replacing cash, the day that happens you truly will own nothing. And the hacking will be on steroids. And then when the lights go out? Yeah
 
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