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

[Stan Rose]

Also, you don't have as many rights with fraudulent use of a debit card as
you do with fraudulent use of a credit card.

Stan

On Thu, Nov 21, 2024, 6:25 AM Drew King (dking65--- via LCTG <
lctg at lists.toku.us> 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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