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My debit card number has been stolen.<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/bawling.gif" style="border:0px solid;" title="bawl"><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/bawling.gif" style="border:0px solid;" title="bawl"><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/bawling.gif" style="border:0px solid;" title="bawl"> Our bank account is $-750 right now! I am so scared! All of the charges are to a mobile phone service (which we don't have) and to Islamic Releif (why would we donate to a charity when we are barely scraping by as it is) Dh is on the phone with the bank, but I'm completely freaked out! We won't be able to pay our mortgage or feed our kids if the bank does not fix it! I'm SO SCARED! What do I do??? Help me feel better
 

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Call the police. File a police report.<br><br>
Hang in there. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">
 

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I'm betting your bank will fix it. Especially if it was a Visa debit card, I know they have good policies about returning any stolen funds. I'm so sorry, mama. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">
 

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Also, I would call the places your number was used and tell them what happened. Tell them you are filing a police report.
 

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The Bank is probably telling your hubby that you have to file a police report. Notify ALL your credit card companies, lines of credit etc so that they put a watch on them. Once they have one number they may be able to get others.<br><br><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">s
 

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<div>Originally Posted by <strong>becoming</strong> <a href="/community/forum/post/7947263"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I'm betting your bank will fix it. Especially if it was a Visa debit card, I know they have good policies about returning any stolen funds. I'm so sorry, mama. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug"></div>
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Yeah that. I called my bank, they reversed the charges and sent me some paper work to fill out.
 

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Take a deep breath. The bank and Visa will take care of it. Unfortunately this sort of thing happens all the time, but that means there are procedures in place to help you. Try not to worry, but I know it's easier said than done! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">s
 

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I'd also call the police and then go to the bank where you go and talk directly with a manager.
 

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If your bank holds your mortgage, make sure they know this. If it's another company, call them, fax them the charges and tell them you will need some time. I'm sure they'll be sympathetic and you can get an extension.
 

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<div>Originally Posted by <strong>Lila</strong> <a href="/community/forum/post/7947219"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">My debit card number has been stolen.<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/bawling.gif" style="border:0px solid;" title="bawl"><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/bawling.gif" style="border:0px solid;" title="bawl"><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/bawling.gif" style="border:0px solid;" title="bawl"> Our bank account is $-750 right now! I am so scared! All of the charges are to a mobile phone service (which we don't have) and to Islamic Releif (why would we donate to a charity when we are barely scraping by as it is) Dh is on the phone with the bank, but I'm completely freaked out! We won't be able to pay our mortgage or feed our kids if the bank does not fix it! I'm SO SCARED! What do I do??? Help me feel better</div>
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It wouldn't hurt to call the mobile phone service to advise them that the calls were made on a stolen card. Let them know you're filing a police report and have contacted your bank to complain.<br><br>
You might be responsible for a small portion of the charges, like $50. There's also a chance they won't reimburse you until they've investigated the bogus charges. That might take a few days.<br><br>
As an added precaution, contact the credit bureaus and check your credit report.
 

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The bank will investigate and fix it probably within a week, maybe longer. We had this happen, my sister and ds' godmother (she lost nearly her whole paycheck in a matter of hours). They basically look at your past transactions, call the places where the charges were made and go from there.<br><br>
As a pp said, call your mortgage company. Maybe your bank can fax a letter stating that you are disputing fraudulent charges and that should help you with the mortgage company.<br><br>
Good luck and I'm sorry you have to go through this! We are often getting new debit/bank cards b/c dh "forgets" where he put them. <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/dizzy.gif" style="border:0px solid;" title="Dizzy">: Stay diligent, file police reports and keep following up on everything.
 

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Discussion Starter #12
I just talked to dh. He said the bank asked him whether he'd called the police, and asked that we let THEM do it, because they have a procedure and they're taking a hit from it. Is that normal? Our mortgage is not with them. We have it with 2 different lenders, so I will just cross my fingers and hope not to have to worry about it. We have a grace period so that should be enough cushion with the larger loan. So, it looks like after we go through lots of red tape we'll get it fixed...hopefully.<br>
That does nothing for us for the next 3 days until dh gets paid. We lost our gas money and he has a long commute. He might have to take a couple days off, which will hurt the situation even more.<img alt="" class="inlineimg" src="/img/vbsmilies/smilies/gloomy.gif" style="border:0px solid;" title="Gloomy">:
 

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<div>Originally Posted by <strong>Lila</strong> <a href="/community/forum/post/7947705"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">That does nothing for us for the next 3 days until dh gets paid. We lost our gas money and he has a long commute. He might have to take a couple days off, which will hurt the situation even more.<img alt="" class="inlineimg" src="/img/vbsmilies/smilies/gloomy.gif" style="border:0px solid;" title="Gloomy">:</div>
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Your husband should not miss work. Surely someone can spot you a few bucks for gas. If not, ask the bank if they'll give you a small overdraft to tide you over.<br><br>
When you get some cash, stash a $100 in your house for emergency situations. It wouldn't hurt to get a credit card with a low limit that you hide in a safe place in your house. Only use it for an emergency.
 

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If it's the bank's policy to file the police report, that's fine, but make sure that you get a copy of it right away. Call your mortgage companies right away (before the mortgage is due) and explain the situation. Fax a copy of the police report to your mortgage company. Even though you have a grace period, your payment will still be considered late and it can effect your credit rating. Ask the mortgage company to waive the late fees and make a note in your file as to why the payments are late. Trust me, they'll be far more willing to work with you if you call them upfront and are proactive than if you mail the payment in late then try to explain. If the person on the phone isn't helpful, ask for a manager.<br><br>
Same goes for credit cards, etc. Make copies of the police report and send them to everyone. If you just call and tell places that your card was stolen, so your payments will be late they often won't do anything about it. (People have been known to lie) The police report will go a long way in establishing your credibility.<br><br>
Also, mail the police report and a letter explaining the situation to the credit report agencies. That way, if anyone runs a credit report on you for a loan or whatever, they will see the late payments or whatever, but understand why it happened.<br><br>
I've been there and done that, so I understand what you're going through. Good luck to you.
 

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Get a copy of the police report.<br><br>
Also don't wait until it's past due call your morgage compnay(and anyone else you owe right now) and let them know what is going on. You may have to supply a copy of the police report but it should buy you some time to get your money back.<br><br><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">s
 

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Hugs to you all. It is awful when it happens. Someone used dh's debit card number a couple of years ago and it took a week or two to get it fixed. Someone obtained my SS# and other information about me six years ago and tried to obtain all sorts of credit for themselves.<br><br>
It really can be a nightmare.<br><br>
I haven't ever heard of the bank wanting to report it to the police themselves instead of having you call and do it. Be sure and get the report number and then call the detective it is assigned to. Just talk to him/her and ask for a copy of the report, if they need a statement from you personally, etc. Ask them why the bank would want to make the report for you???<br><br>
Also, pull out your paperwork you've received from the bank (probably from when you opened the account) and read up on what it says about debit card fraud.<br><br>
This is a really good lesson for everyone. A lot of debit card agreements state that if a fraudulent transaction is made as a credit purchase (with a signature and not your PIN) then they will reimburse you (just like credit card companies are required by law to do). Some debit card agreements state that if the fraudulent transaction is PIN based (say someone steals your PIN and uses it) they won't cover it or they have the option to cover it but aren't required to under the law.<br><br>
Debit cards are very convenient but also scary because Federal law hasn't really addressed the whole issue of PIN based transactions.<br><br>
Let us know how it goes.
 

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Discussion Starter #17
Well luckily all or most of the purchases appear to be online, so it doesn't look like they have my pin number. The bank is going to probably refund all of those things, but we have to go through all the paperwork first. We won't have to pay our mortgage late, it turns out, because my dh had a bit of overtime on this paycheck, which we were planning to use to repair the a/c in our car. That will have to wait, and things will be really tight, but we will be able to get our loans paid at the very least. I have recently started coupon shopping when it comes to groceries, so this month will be the test for me. It seems that the number was stolen by a waiter at a restaraunt. There are two purchases (gas & a Subway purchase) in that area that we didn't make. Everything else is online. Some of the purchases are alarming and make me worry about what our money was used for- but I won't go into that.
 

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<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug"> I'm glad the mortgage looks payable, at least.
 

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<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>Lila</strong> <a href="/community/forum/post/7950226"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">It seems that the number was stolen by a waiter at a restaraunt. There are two purchases (gas & a Subway purchase) in that area that we didn't make. Everything else is online. Some of the purchases are alarming and make me worry about what our money was used for- but I won't go into that.</div>
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There was something in the news about waiters writing down the numbers, expiry date, etc of people's credit/debit cards. We only use cash at restaurants. I don't give my cards to anyone, unless I'm right there watching the transaction.
 

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Oooh. Can you get the time of the gas purchase and then go chase down the video at the gas station? I would want to nail the waiter's rear to the wall so I would love to do something like that.<br><br>
There was this case in Washington where a cancer patient had his identity stolen by someone who worked at the hospital. He tracked the people down by getting a copy of the Home Depot (or maybe Lowe's) video after calling the credit card company on his credit report. It was all over the news, that guy was my hero.
 
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