Minotaur
Governor
I posted this on a private board but decided it may help some as you might learn something from our experience. We just went through a banking crime. One of the ATM's we visited was the bad guy - likely a gas station purchase at the outside pump since that is the most common target. An ATM machine had been altered to capture user's ATM number and passwords. Friday was a hopping 10 minutes as we received an email from the bank fraud section questioning 3 transactions. The test deduction was from the US but the 2 that followed right away came from another country. My hubby called me instantly and I checked my email and sure enough the notice was there as well so it was only the bank's first strike. I checked the bank account without clicking on the notification since I am always suspicious of email. As we talked about the confirmation on our bank site the lines clicked on both our ends as if someone was trying to call both of us. They were. It was the fraud unit. Had we not answered they would have hit the eject button on our card and it would have automatically been cancelled until they heard from us. The purchases that came into question were so small as to be undetectable yet they were not just detected but the detection and process happened fast. The first one was 50 something cents. It was likely the test. The next 2 purchases were tentative and modest in the amount of around 8 dollars and then 50 something.
Within minutes the fraud unit was on the 3rd transaction and the initial two below it followed. Within 5 minutes we were notified and it was stopped cold and the cashed amount was credited back to our account. In turn we had to order a new card on the one ATM card that had been compromised and other cards were not changed. We were left with the option of going in for a temporary card or waiting for one to be send to us.
Sometimes banks can be a best friend. I was really impressed with the 5 to 15 minutes it took to bring all of this to a halt almost as soon as our ATM was used.
Within minutes the fraud unit was on the 3rd transaction and the initial two below it followed. Within 5 minutes we were notified and it was stopped cold and the cashed amount was credited back to our account. In turn we had to order a new card on the one ATM card that had been compromised and other cards were not changed. We were left with the option of going in for a temporary card or waiting for one to be send to us.
Sometimes banks can be a best friend. I was really impressed with the 5 to 15 minutes it took to bring all of this to a halt almost as soon as our ATM was used.
