Somebody used my ATM to withdraw $500 from me - how is that possible?

[Argo]

To withdraw they must have both my card and my pin. I have my card with me - so this means they somehow read the numbers on my card. I've only use my card at my banks branch (Chase) - so I doubt somebody installed the card reader - in fact AFAIK chase ATMs have protection against that.

But assuming they've somehow succeeded in doing that - how did they get the pin? I only use my ATM card from the said branch - and I always make sure nobody is behind me when I enter the pin.

Is there some new scam going on that I haven't heard about?

 

[Mo0o]

Can your atm card also work as a credit card for online retailers?

 

[Argo]

Can your atm card also work as a credit card for online retailers?

Yes. But this transaction is an ATM cash withdrawal.

 

[thescreensavers]

Thats the worst, feeling 100% secure to only have some shit like this happen and have absolutely no idea how in the world it happened.

 

[Ms. DICKINSON]

Is the transaction from an ATM from the same town where you live?

 

[Argo]

Is the transaction from an ATM from the same town where you live?

Nope. It's from a town about 30-40 minute drive away.

 

[CallMeJoe]

Have you used your card at an unfamiliar ATM? Has your usual ATM ever looked a little different?
There's a device called a "skimmer" that can be mounted on an ATM to capture your card data, while a wireless camera is used to observe your PIN entry. There are also bogus ATMs that directly read your card data and PIN entry.

Snopes link here.

 

[silverpig]

To withdraw they must have both my card and my pin. I have my card with me - so this means they somehow read the numbers on my card. I've only use my card at my banks branch (Chase) - so I doubt somebody installed the card reader - in fact AFAIK chase ATMs have protection against that.

But assuming they've somehow succeeded in doing that - how did they get the pin? I only use my ATM card from the said branch - and I always make sure nobody is behind me when I enter the pin.

Is there some new scam going on that I haven't heard about?

This happens ALL the time. I've had it happen once on my account, once on my wife's and my account since we got married, and it has been tried unsuccessfully on my account a few other times, freezing it.

They use a scanner which records your card information, and then either have the terminal modified to record your PIN when you input it, or have a camera set to watch you put it in. They can be pretty devious about how they do it too.

If your bank is anything like mine, it is a simple matter of saying you didn't take the cash, and then signing a form saying as much. I got the money back the next day.

 

[Argo]

This happens ALL the time. I've had it happen once on my account, once on my wife's and my account since we got married, and it has been tried unsuccessfully on my account a few other times, freezing it.

They use a scanner which records your card information, and then either have the terminal modified to record your PIN when you input it, or have a camera set to watch you put it in. They can be pretty devious about how they do it too.

If your bank is anything like mine, it is a simple matter of saying you didn't take the cash, and then signing a form saying as much. I got the money back the next day.

Wow - didn't realize it was that common. Don't banks use cameras - I thought they'd be able to catch somebody installing such a device and then warn all the people who used their card while the device was installed.

I only withdraw money from my banks ATM (chase) - so I always felt safe from things like that.

 

[Soundmanred]

Don't banks use cameras - I thought they'd be able to catch somebody installing such a device.

The great majority of security cameras (ATMs, stores, etc) are used for after-the-fact purposes (evidence, etc), they aren't actively monitored.

 

[DeadByDawn]

Give your card to a waiter/waitress or gas station attendant lately for them to scan? They could have swiped it in a card reader.

 

[SKORPI0]

I always thought that Chase ATMs have cameras mounted on them and pictures taken during the transaction. Go to the bank ASAP and let them check.

 

[sportage]

Its more likely an "inside" job. Rare, but bank personnel have access and from time to time do this. Probably a random hit on you, but I'd bet its someone inside the chase organization. You'll have to go to the bank where the atm is, have them pull the photo off the atm camera. If its not your face, the bank should refund and take the loss.
Thats how its suppose to work in these cases.

 

[isekii]

same thing happened to me~
and the thiefs tried to do it before 12:00am so that the cash withdrawl limit is reset the next day.

Took about $1200 from my account I believe.

Some shitty BOA customer service agent told me it was impossible for them to take money from me and made it seem like I did this and was filing a false claim.

I went to Police station to file a report, was told that they had a bunch of people that had their atm card number + pins stolen. From the ones that I frequented. The cops said as the other user mentioned, they have a card scanner + a camera to record you entering the pin number.

 

[thepd7]

let us know how it turns out, I have Chase so I'm curious how they handle it. They were great with my stolen CC number but I've never had this kind of thing happen with a debit card.

 

[DaTT]

Happened to me once before, money was returned within 2 days.

 

[HappyPuppy]

To the OP. Do you know why this happened to you, it's because you are insufferably stupid. I have never, ever had this happen to me because I am smarter than you.

Evryone likes to bag on the oldsters for their lack of knowledge, but is you young fucks who think you're so fucking smart who get hit with these scams.

"Oh, it could never happen to me because I have a college education and I'm smarter than evryone else".

Yeh, fuck you. I hope you learned your lesson.



If you're going to start this up again I am going to have to duct tape your fingers so you can't type anymore. All you're going to be able to do is scroll and read, scroll and read, scroll and read.


esquared
Anandtech Administrator

 

[Binarycow]

To the OP. Do you know why this happened to you, it's because you are insufferably stupid. I have never, ever had this happen to me because I am smarter than you.

Evryone likes to bag on the oldsters for their lack of knowledge, but is you young fucks who think you're so fucking smart who get hit with these scams.

"Oh, it could never happen to me because I have a college education and I'm smarter than evryone else".

Yeh, fuck you. I hope you learned your lesson.

Woah, calm down there grandpa. Go back to your rocking chair on the front porch, I think I just saw some kids step on your lawn.

BTW, this could never happen to me. I'm too poor to have any cash in my acct for anyone to steal. Sad but true.

 

[Narmer]

To the OP. Do you know why this happened to you, it's because you are insufferably stupid. I have never, ever had this happen to me because I am smarter than you.

Evryone likes to bag on the oldsters for their lack of knowledge, but is you young fucks who think you're so fucking smart who get hit with these scams.

"Oh, it could never happen to me because I have a college education and I'm smarter than evryone else".

Yeh, fuck you. I hope you learned your lesson.



If you're going to start this up again I am going to have to duct tape your fingers so you can't type anymore. All you're going to be able to do is scroll and read, scroll and read, scroll and read.


esquared
Anandtech Administrator

Retard.

 

[BoomerD]

http://shopping.yahoo.com/articles/yshoppingarticles/448/the-sneakiest-new-shopping-scams/

"One scam that can trip up even the most cautious consumers involves "skimmers" attached to ATMs. Those devices record account numbers and passwords so that thieves can clean out your bank account. "

 

[BAMAVOO]

This happened to my family a few years ago. We had both our ATM cards and one day we get our statement in the mail and there is a charge fore $3000 and another for $600. It was from a place in Alabama called Perdido Beach Resort. It wound up being a bank error and they refunded us all our money. We now go to Perdido Beach as much as possible and it is our favorite vacation spot

 

[BeauJangles]

Its more likely an "inside" job. Rare, but bank personnel have access and from time to time do this. Probably a random hit on you, but I'd bet its someone inside the chase organization. You'll have to go to the bank where the atm is, have them pull the photo off the atm camera. If its not your face, the bank should refund and take the loss.
Thats how its suppose to work in these cases.

Highly unlikely, considering that no employee at any bank like Chase would be able to view both the account number and the PIN number.

 

[IceBergSLiM]

OP has never heard of credit card skimming. This is a huge business and very common.

 

[threeringbinder]

possible its because of "blink" - http://www.chaseblink.com/faq.asp

 

[esquared]

http://shopping.yahoo.com/articles/yshoppingarticles/448/the-sneakiest-new-shopping-scams/