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Re: Debit Card Fraud
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No you should just have to call your credit union and they should take it over.What my bank did was start an investigation and after a couple weeks they credited my account back. I would ask to speak to the branch manager since it seems somebody does not know what they are doing. |
Re: Debit Card Fraud
Can you even use a debit card on a online gambling site? I thought you could only use a credit card. If so I wonder how they obtained the pin number.
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Re: Debit Card Fraud
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My wife called back this morning. Investigation is being done in Raliegh (state capital) and the bank will get back with us after it is over. She's also on her way to file a police report now. |
Re: Debit Card Fraud
Andy, I have been with Community First Credit Union of Florida for lots of years, they used to be called Educational Community Credit Union. I have had this happen twice in the past and both times I did have to go to the branch and fill out some paperwork to contest the charges and received a provsional credit pending their investigation. The last time we did have to get a police report done in our home county even though the transaction was in Nashville, TN, and submit the report within a certain number of days. Both times it happened the provisional credit stayed in our account because the investigation obviously showed it wasn't our transaction. There is a branch in Yulee if you are thinking about changing where you do business I believe you would be happy with them.
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Re: Debit Card Fraud
Interesting read:
http://www.wisebread.com/are-debit-c...s-credit-cards Especially this: Quote:
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Re: Debit Card Fraud
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Re: Debit Card Fraud
This is interesting, if I'm reading the FTC info correctly, it sounds like it depends on how the charges were made. If they were made as debits, you might be screwed. If they were made as CC charges, then you might only be on the hook for $50.
Do you have access to any attorneys who might be able to give you their interpretation of the following, or better yet, know the laws that the FTC is referring to? Quote:
--------- EDIT - this post was started when the last post in this thread was Carlos's comment in #15. Looks like Kelly found some good info on Visa that might help you avoid the situation in the FTC passage above. |
Re: Debit Card Fraud
Visa does provide some coverage, but the banks are who determine the pace at which that coverage is met:
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Re: Debit Card Fraud
Ouch, been there before brother. Sorry to hear you got hit be these lowlifes. My wife's Visa Debit card # was stolen while she was out of town on business and they used the number at an ATM several times in TN before it was noticed. Our money was returned in full almost immediatly by our bank. Wife just had to stop in at our local branch and sign some paper work.
Good news is they eventually caught the theifs and are in the process of running them through the justice system now. We get TN court papers 2 or 3 times a week keeping us abreast of what's being filed. I'd sure look hard at other banks and even let yours know you will be shopping around if they won't come up with a better policy then what they are offering you at this time. |
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Re: Debit Card Fraud
I had a similar situation years ago...I was stationed in the Philippines and banked with Alaska Federal CU and charges off my card came up in Florida...my family and I had just been to Disney for vacation...my credit union posted the funds back into my account and had an investigation started...come to find out one of the restaurants we ate at had a bad egg and was stealing CC numbers with the 3 digit code on the back...I'm still with Alaska because of this...I'd take everyone's advice and look for another Credit Union...hope all works out
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Re: Debit Card Fraud
That Sucks!!!:(
BTW - Great game of poker last night!;) |
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:) |
Re: Debit Card Fraud
I had this similar sort of thing happen once. Chase backed me 100%, right up to making sure I could pay my bills on time with an interest free short term loan until the dispute was resolved (cash in hand that day, however the interest rate was 13% if I was held liable after the investigation...so it had a catch of sorts).
Honestly, best thing I love about Chase is the fact that they aren't so big as to deny they need your business to stay afloat, and they're willing to bend over backwards many times to keep you happy. YMMV |
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