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Old 10-28-2010, 12:33 PM   #21
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We had a similar thing happen about ten years ago. About $3k at a WalMart store in a neighboring state. The CC /debit card company picked up the fraud pattern right away and called me to verify. It didn't cost us anything. I recall asking about catching the person but they didn't or wouldn't provide any info on that.

We travel to Maine often enough, using the debit card to pay for gas and whatever and I've never been asked to verify the charges. Yet when the Mrs. was home to visit her mother in Sweden this past summer I got a call to verify her purchases.

I'm impressed with how it all works.
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Old 10-28-2010, 12:45 PM   #22
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thanks for all the info, everyone.

just an update, the transactions went thru so I filed claim. It was surprisingly smooth and uneventful. The rep just took down what I had to dispute, filed claim and reassured me that everything will be taken care of. According to her the fund will be provisionally credited back to me w/i one bus. day while they try to recover the fund from the merchants. She didn't ask for police report or anything and gave me the impression that these frauds are just business as usual. I'm going to file a police report anyway.

I'll definitely stop going to my regular gas station now even though it's cheaper(it's a national chain but only takes cash/atm)

The bank is Chase in case anyone is curious, it was Wamu until they got taken over.
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Old 10-28-2010, 02:32 PM   #23
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Where I am living now I get a SMS for every transaction above certain limit, for example before grocery is even bagged I get the SMS. Incoming SMSs are free here. I guess this should really help in most cases.

If you do this... make sure you stop it when you change numbers!!!

We just got a Tracfone and the number we got had this turned on... It was very annoying to get a LOT of SMS, robo calls from the pharmacy etc. etc.... costing us a lot of money...

Got to remember to call and get my credit back....
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Old 10-28-2010, 02:38 PM   #24
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Where I am living now I get a SMS for every transaction above certain limit, for example before grocery is even bagged I get the SMS. Incoming SMSs are free here. I guess this should really help in most cases.
I am using the alert features of my CCs more now too. The most frequently used send me text messagers or emails for any transaction over the limit I set, usually $50. I feel a lot more secure this way. I haven't set it up in all of them, but this thread should give me the incentive to finish it up.
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Old 10-28-2010, 03:16 PM   #25
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I purchased some special diet pet food from petfooddirect.com and when exiting selected a discount offer for the next purchase. Selecting the offer resulted in my joining a club that charged my debit card membership fees of 14.95 per month. It went on for several months before I realized it. I called them and had them stop the charges. They also credited my account for all the previous charges....after threat of litigation.
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Old 10-28-2010, 04:10 PM   #26
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so my question is if the charges do go thru how likely am I to get the money back ? what are my options? thanks.
You shouldn't have any problems being reimbursed. It happens so often now the bank people are used to dealing with it.

Martha is correct about the EFTA provisions and since you reported the unauthorized use immediately you're covered.

That said, there's a reason I don't have a debit card, only a couple of credit cards and an ATM card. With credit cards one doesn't have the cash flow issues that may arise from a cleaned-out account tied to a debit card.
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Old 10-29-2010, 09:24 AM   #27
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If you do this... make sure you stop it when you change numbers!!!

We just got a Tracfone and the number we got had this turned on... It was very annoying to get a LOT of SMS, robo calls from the pharmacy etc. etc.... costing us a lot of money...

Got to remember to call and get my credit back....
Incoming calls and SMSs are free where I currently live, so just an irritant.
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