[Lex Computer & Tech Group/LCTG] Fraud Issue: Check Your Bank Account Running Balance

[Drew King]

Agreed!!


Only use your debit card at your bank/ATM.


On 11/21/2024 8:05 AM, Joel Shwimer via LCTG wrote:
>
> Another clear take-away is do NOT use a DEBIT card.  This was the 
> advice provided in a lecture I attended years ago by Frank Abagnale 
> Jr. who was the subject of the movie "Catch me if you can" and is now 
> a consultant to the FBI on security matters.
>
> Joel
>
> On 11/21/2024 6:23 AM, Drew King (dking65--- via LCTG wrote:
>> Very good advice.
>>
>> If you get declined at a point of sale the first thing you should do 
>> is call the phone number on the back of your card and inquire with 
>> the bank. Let them know that you went to the supermarket and the 
>> transaction was declined and you paid cash so that you have it on 
>> record possibly even recorded.
>>
>> Several years ago I was starting a new job and made some purchases 
>> that were not typical in preparation for my new job and my bank 
>> eventually questioned the transactions because they saw a lot more 
>> activity than normal.
>> It was all regular shopping to buy things I needed and also go on 
>> vacation and so I was spending money on airfare and food and clothing 
>> and entertainment  I wouldn't normally do.
>>
>>
>>
>>
>> On November 21, 2024 6:05:41 AM EST, Robert Primak via LCTG 
>> <lctg at lists.toku.us> wrote:
>>
>>     My ATM/Debit MasterCard was involved in a fraudulent charge
>>     attempt. The Bank froze the Debit Card immediately when the
>>     suspicious activity happened. Hours later, not having checked my
>>     phone messages, I tried to make a food purchase at an automatic
>>     self-checkout POS terminal using the same card. Here's what happened.
>>
>>     The Star Market POS system at Self-Checkoout and the Registers
>>     declined my Card, as they should have. (I eventually ended up
>>     paying cash for the purchase.) But the Star Market charges still
>>     showed up in the Bank Ledger as valid, even though my Card was
>>     frozen at the time the Card was declined by the Star Market POS
>>     System. This should have been programmatically impossible!
>>
>>     Take-home lesson: If you ever experience a freeze on a credit or
>>     debit card due to suspected fraud, DO NOT rely on store POS
>>     systems which appear to have "declined" the card not to reinstate
>>     the charges. As soon as you learn of the issue, go to your bank
>>     or use their online banking app or web site, and CHECK THE
>>     RUNNING (Ledger) BALANCE! If anything suspicious is processing or
>>     has been recorded as processed, NOTIFY YOUR BANK ASAP.
>>
>>     I appear to have been successful at getting the Star Market
>>     system error(s) removed from my bank account charges. But this is
>>     not always guaranteed.
>>
>>     -- Bob Primak
>>
>>
>> -- 
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>>
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> -- 
> Joel Shwimer
> shwimer at tiac.net
> (781) 275-1886
>
> ===============================================
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-- 
Drew King



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