Got robbed for all the money in my debit card. who fucking robs a college student

same thing happened to me dude at my work.

speaking of getting robbed, My friend went shopping once and had his debit card out, slide it, etc. normal spheal. someone with good eyesight and memory - saw his card number. remembered it.

so now when I take out my debit card I keep it face down on top of my wallet.

 

Damn!

 

It's usually a camera or something. I never heard of people just remembering a card number. I had someone once try to use a cloned card of mine. Only problem was, when I enter my pin I always obscure it so even I can't see what I'm pressing (Enter by memory). In the end they entered the code twice wrong and stopped before it ate the cloned card. Needless to say, the bank promptly canceled my card and I changed my PIN.

 

I called the bank and there was nothing they could do...bloody useless.

 

I was robbed at gunpoint 2 weeks ago. The guy got my wallet. I got my life, my family and my future.

score:
Me 1
Bandit 0

 

ugh, not sure what the situation is here, but sorry to hear about it. If you were mugged, please take comfort in the fact that it's just money. If you were scammed with a scanner, then as per advice you should be covered.

If the bank come it by saying they'll do you for fraud , then don't back down. It's on them to prove it given they are supposed to have cameras covering ATMS.

 

I spoke to a friend who works in a bank card fraud department and basically the bank is in the wrong to claim it would accuse you of bank fraud as they would need evidence to suggest that you or a known third party took the money out.

This doesn't help you now, but for future reference.

If you do find a transaction that you are sure you didn't do then you should.

Visit your branch and query it, they should either fill in a form or at least give you a number to call, however make sure that they put on your record that you did query it.

Make sure you get the names, dates and times of all the people you deal with, so you have a record, make notes of what was said. You can report them if they do suggest accusing you for fraud.

Most banks will compare your withdrawl records and if you withdraw the same amount in roughly the same area (and so does the person with a cloned card) then it does look like only you withdrew the money. You can ask the bank to tell you the address of the cashpoint of where the money was withdrawn. Normally a withdrawl miles away or in a different country will flag up and be more likely that it was fraud.

Give them any evidence to show you were elsewhere at that time.

Although banks can request pictures from cashpoints, it's time consuming and can take weeks (if not months), the pictures are generally poor but can show the person doing the withdrawl, although doesn't help if a hoodie is withdrawing the cash...

Generally most bank regions have a couple of people handling several hundred cases at any one time, and most of the time they don't want to spend more then 30 minutes on each case. Although they will look into it as much as they can and if they do think it's fraud then they will pass it on to a senior person, but generall if a person complains enough and the bank has no evidence to suggest fraud then you will get your money back.

They also recommended.

If using a cashpoint, use one at a bank, make sure it's a permenant one and that there are no suspicious devices around, when putting the card in, use your thumb to cover the number on the card. Cover your hands when entering your pin and rather then press a button to quick withdrawl cash, select other amount and then enter in the amount, again covering your hands. When the card comes out be ready to take it and again cover the top of the card. Some accounts will allow you to change the pin via the cashpoint, change it every so often.

If you live in a shared house or one with a communal post box then try to pick up cards and pins from your local branch, my friend told me of one case where one of the flat mates saw his friends pin number, stole a bank statement, called up and requested a new card, although they asked the security question of mothers maiden name, he knew it as the mother was divorced and reverted back to her maiden name... he then got the card when it was delivered and as the pin was the same he then withdrew over $5000 in the space of 10 days before his friend noticed and reported it. The police got involved as it didn't seem to be any fraud as the money was withdrawn at the same cashpoint he normally used but it was only when the photos were shown to the guy and he said hey that's my flatmate. The flatmate did get a 3 month prison sentence...

Most skimmers won't use the card more then a couple of times as it's too risky to get caught, however if it's a credit card then cancel the card as a precaution.

If paying by chip and pin then do cover the keypad, most can be moved so the person behind can't see you.

 

If someone accused me of anything -- especially bank fraud, I would let the obscenities start flying, and I don't give a fuck who is on the other end. 90 year old grandma w/ her 5 year old grandchild? So be it. Reality 101 coming up.

Regardless of the outcome, I would take my business elsewhere, and let them know that's exactly why. Send a letter to their corporate office explaining why they no longer have your business, and of course, tell all your friends. What terrible customer service. English thing, maybe?

 

Wow that sucks ass bro hope everything works out...

 

Perhaps. I really wasn't too bothered at the time but looking back now the letter they sent to me was pretty threatening. Banks are bastards in this country they will screw you out of anything they can get their hands on.

 

Utter b*llsh*t btw! Even now, with that letter in hand you could contact the banking ombudsman and fight for your £100 back, plus damages. This is somewhat different to the run of the mill. Barclay's card has (or had as it may have changed) no fraud protection. Seriously! However, this is intimidation and threatening.

Don't bother writing to their head office, you'll get nowhere - try this lot, and best of luck mate. It might have been a while ago, but clearly it's not something that should be allowed to continue.

http://www.financial-ombudsman.org.uk/

If they ask why it has taken so long, explain to them that you were so worried by the threatening tone of the letter and it's implications for you, your credit rating and being landed with legal worries & debt that you felt that you could not proceed at that time.

Explain that you feel your account may continue to be exposed to fraudulent activity, that your bank failed to reassure you on this matter, take your concerns seriously and in fact exacerbated your feelings of vulnerability. In other words you felt that you were robbed, but having complained you were accused of being involved and if you proceeded with further complaint you would face criminal prosecution.

Explain that subsequently you have resisted discussing the matter further with your bank for fear of them actually proceeding with action against you. It was a clear case of shut up and go away, otherwise we'll blame you!

I think that ought to interest the banking ombudsman greatly as it is a clear breach of banking rules - surely to Goodness your bank is obliged to not only investigate concerns raised by it customers, but also protect rather than accuse them. Sadly such fraud is on the increase and you really should be protected. How can you be if provided with evidence of fraud your bank fails to initiated proper investigation and further more uses heavy handed bullying tactics to silence fraud victims?

Once you get the ball rolling, I would also consider removing your account from them and taking it to a bank that actually gives a sh*t about you, their supposed customer.

 

They're bastards in every country. Bank of America Japan laid me off on December 23rd one year. I got a good severence (well, standard for Japan) but the principle is the same, especially since my group made buckets of cash in an otherwise awful year for the rest of the world (2003). Next trip to the US I closed my local Bank of America (which I now refer to as Bank of Shit) account. When they asked if something was wrong, I told them I got laid off on Xmas Eve. They didn't quite have a comeback ready for that one.