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10-02-2009, 06:44 AM
| | Registered User | | Join Date: Oct 2008 Location: Toronto, Ontario, Canada | | | Almost defrauded - except I'm broke!
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Yep, last night, I went to the bank to deposit my paycheque only to find my debit card had been blocked. I called the bank and apparently someone had obtained my debit card info and tried to make withdrawals ($700) from my account - only thing was, I had no money in it! That's what happens when you try to steal from a student, I guess. 
So now, every time I look at my basses, amp, ever-growing pile of pedals, tuition bills and eternally empty bank account, I know I can go to sleep at night in the comfort of knowing that even if someone manages to get my bank info, it'll be like squeezing blood from a stone.
I still don't know whether to feel happy that I didn't get ripped off, or  because I'm so poor I'm not even worth stealing from.  |
10-02-2009, 06:47 AM
|  | TalkBass: Usurping My Practice Time Since 2002
Endorsing Artist: Lyt Pedalboards Beta tester: Source Audio Moderator | | Join Date: May 2002 Location: Connecticut | | | Happy would be the one to go for. |
10-02-2009, 06:51 AM
| | Registered User | | Join Date: Oct 2008 Location: Toronto, Ontario, Canada | | Yeah, I can finally justify all the gear purchases that weren't in my budget  |
10-02-2009, 07:17 AM
| | Registered User | | Join Date: Aug 2007 Location: Houston, TX | | Someone grabbed my debit card info, created a dummy card and did a couple withdrawals.  Fortunately, we caught it before it went too far. However, we did get hit and the bank did not help at all. Maybe it is different in Canada, but in the US, ATM withdrawals do not come with consumer protections like VISA and MC.  Glad to hear the thief was not successful in your case.
I am nearly certain I know how it happened to me. I went to an ATM machine on the spur of the moment to get some quick cash. Turns out the ATM was rigged. (Google "Lebanese Loop" and "ATM cameras". This might be what happened to you if they actually managed to get your PIN.)
Something like that happened. Exactly how, not sure, but it was definitely around that machine. So, beware of those unfamiliar ATM machines.
__________________
Geddy Lee Fender Jazz/MarkBass CMD121P
Keyboard Players Turned Bassists #35
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10-02-2009, 09:47 AM
| | Registered User | | Join Date: Dec 2006 Location: Leeds, UK | | Someone got my dad's credit card details and used them to buy £150 worth of iPhone/iPod apps... 
__________________ Quote: |
Originally Posted by Darkstrike If I kicked my dog in time to the music his cries would be better 'singing'. | |
10-02-2009, 12:15 PM
| | Registered User | | Join Date: May 2007 Location: Garden City, MI | | | I got ripped 2 days before Christmas back in 2005 - they took out $50 electronic withdrawals until they eventually siphoned about $850 from the account.
It took the bank 2 months to fix it, which eventually led to me switch banks.
Now, I keep all my money in a seperate savings account that can't be touched by my debit/ATM, and only transfer a couple hundred in at a time for spending and bills.
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"If you can't fix it with a hammer you have an electrical problem" ~mikeyswood~ |
10-02-2009, 12:29 PM
| | Registered User | | Join Date: Jan 2005 Location: IL | | | I guarantee you I have one of the strangest. Somebody got my CC info last year and used it to charge some self help dvds but had them sent to my house. They also opened up a netflix account. Once again with my address. Seriously people?
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hmmmm....
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10-02-2009, 12:37 PM
|  | Registered User | | Join Date: Sep 2008 Location: West Covina (LA), SoCal | | Quote:
Originally Posted by WorkinOnIt  Someone grabbed my debit card info, created a dummy card and did a couple withdrawals. Fortunately, we caught it before it went too far. However, we did get hit and the bank did not help at all. Maybe it is different in Canada, but in the US, ATM withdrawals do not come with consumer protections like VISA and MC. Glad to hear the thief was not successful in your case.
I am nearly certain I know how it happened to me. I went to an ATM machine on the spur of the moment to get some quick cash. Turns out the ATM was rigged. (Google "Lebanese Loop" and "ATM cameras". This might be what happened to you if they actually managed to get your PIN.)
Something like that happened. Exactly how, not sure, but it was definitely around that machine. So, beware of those unfamiliar ATM machines. | This happened to my dad as well. I heard from a friend that worked at a gas station that some guy was caught tampering with the ATm/Credit machine on a pump, using that to steal peoples info. I believe thats how they got my dads info without actually haing his card. The tried to buy a computer from an Apple store and the bank alerted my father. There were a few other charges that he didnt make on there as well. Luckily, the bank worked with him to get his money back.
__________________
Bassist for Starveya - www.reverbnation.com/starveya
Sat June 9th @ Shamrocks in Chino Hills - 10pm
Bassist - Veg#33, Buddhist#11, LGBT#5
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10-02-2009, 12:41 PM
| | Registered User | | Join Date: Feb 2009 Location: Frederick, Maryland | | i've never had a bank account, i have hella debt from hospital bills and student loans, and my job cut me to part time hours.
i DARE someone to try to steal my identity 
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11 ov 25. We are Mothman.
I put the POWER in powerpop.
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10-02-2009, 12:45 PM
| | Registered User | | Join Date: Oct 2008 Location: Toronto, Ontario, Canada | | How do you have loans/debts if you've never had a bank account? How do you handle your money??  |
10-02-2009, 12:48 PM
|  | no really, smokemeth&hailsatan | | Join Date: Dec 2005 Location: Pueblo, CO | | | I keep asking people to steal my wallet and do me a favor. |
10-02-2009, 12:59 PM
| | Registered User | | Join Date: Feb 2009 Location: Frederick, Maryland | | Quote:
Originally Posted by CrispyDelicious How do you have loans/debts if you've never had a bank account? How do you handle your money?? | I got the Federal loans which didn't require me to have a bank account.
Like i said, i'm poor, so i don't have that much money to handel. I literally keep it in a book on my bookshelf.
__________________
11 ov 25. We are Mothman.
I put the POWER in powerpop.
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10-02-2009, 02:07 PM
| | Registered User | | Join Date: Sep 2008 Location: West Covina (LA), SoCal | | Quote:
Originally Posted by Din Of Win I got the Federal loans which didn't require me to have a bank account.
Like i said, i'm poor, so i don't have that much money to handel. I literally keep it in a book on my bookshelf. | Hmm, what book?
My homeless friend keeps his cash in a book on our bookshelf. A booke about Hares, not rabbits.
__________________
Bassist for Starveya - www.reverbnation.com/starveya
Sat June 9th @ Shamrocks in Chino Hills - 10pm
Bassist - Veg#33, Buddhist#11, LGBT#5
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10-02-2009, 02:13 PM
| | Registered User | | Join Date: Feb 2009 Location: Frederick, Maryland | | Quote:
Originally Posted by MatticusMania Hmm, what book?
My homeless friend keeps his cash in a book on our bookshelf. A booke about Hares, not rabbits. | Watership Down? haha
i keep half of it in a copy of that "A Tribal History of American Hardcore" book and the other half in a generic 'History of the World's Martial Arts' book.
After rent/car insurance/utilities/loan payments/cable i usually never have more than about $500 at one time. It's pretty easy to keep track of. *knock on wood*
__________________
11 ov 25. We are Mothman.
I put the POWER in powerpop.
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10-02-2009, 02:37 PM
|  | The Lowdown Diggler | | Join Date: Apr 2006 Location: Huntington Beach, CA | | | Was it your crazy ex chick/roommate that stole your card or pin? |
10-02-2009, 02:47 PM
| | Registered User | | Join Date: Mar 2008 Location: Winnipeg,Siberia | | Quote:
Originally Posted by WorkinOnIt Someone grabbed my debit card info, created a dummy card and did a couple withdrawals. Fortunately, we caught it before it went too far. However, we did get hit and the bank did not help at all. Maybe it is different in Canada, but in the US, ATM withdrawals do not come with consumer protections like VISA and MC. Glad to hear the thief was not successful in your case.
I am nearly certain I know how it happened to me. I went to an ATM machine on the spur of the moment to get some quick cash. Turns out the ATM was rigged. (Google "Lebanese Loop" and "ATM cameras". This might be what happened to you if they actually managed to get your PIN.)
Something like that happened. Exactly how, not sure, but it was definitely around that machine. So, beware of those unfamiliar ATM machines. | they do that here too.......
__________________
need ain't got nuthin to do with it
lust is a perfectly good reason to buy gear
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10-02-2009, 03:12 PM
| | Registered User | | Join Date: Oct 2008 Location: Toronto, Ontario, Canada | | Quote:
Originally Posted by MakiSupaStar Was it your crazy ex chick/roommate that stole your card or pin? | No, the card was in my posession all along. They had somehow got my pin# and card info from one of those ATM cameras or something. I think I know which place it was at too, but I can't prove it, so I'll just stop going there. Super shady convenience store in Koreatown. |
10-02-2009, 03:27 PM
| | Registered User | | Join Date: Jul 2006 Location: Anaheim, Ca. | | Quote:
Originally Posted by Ground Pounder I got ripped 2 days before Christmas back in 2005 - they took out $50 electronic withdrawals until they eventually siphoned about $850 from the account.
It took the bank 2 months to fix it, which eventually led to me switch banks.
Now, I keep all my money in a separate savings account that can't be touched by my debit/ATM, and only transfer a couple hundred in at a time for spending and bills. | This is great... an excellent precaution in limiting what can and can not be withdrawn from the account via a debit card. I've never had a debit card and never will. That's MY way of ensuring funds can't be siphoned off... either incrementally or all at once. Plus I "spread the wealth" over several different accounts and completely different banks, to further thwart bank account thieves. .. works for me |
10-02-2009, 06:03 PM
| | Registered User | | Join Date: Apr 2009 Location: Santa Clara, CA | | Quote:
Originally Posted by LaklandBass I guarantee you I have one of the strangest. Somebody got my CC info last year and used it to charge some self help dvds but had them sent to my house. They also opened up a netflix account. Once again with my address. Seriously people? | That's like breaking into someones house, moving all the furniture into different rooms then leaving without taking a thing.  |
10-02-2009, 06:19 PM
| | Registered User | | Join Date: Nov 2008 Location: Bugtussle | | Quote:
Originally Posted by Rattman Plus I "spread the wealth" over several different accounts and completely different banks, to further thwart bank account thieves. .. works for me | PFFFF, I'd try that, but banks wont let me start accounts with 3 dollars...LOL
Seriously, I sometimes wonder how safe my account is.
If someone got to my account, it could be disastrous for my budget paying my bills.
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