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My Bank Account was Hacked

October 12th, 2011 at 05:32 am

I check my bank account pretty much every day and yep, on Monday when I checked, my bank account had been hacked.

Somehow, someone, was able to get my debit card number and my security code and charge hundreds of dollars. Well, good thing there is fraud protection and all of my money will be credited.

Just a bummer not being able to access any of my money this week. I do, however, have a little bit of cash stashed just in case.

I am actually only out $50 some dollars. I opted out of the overdraft protection (because I never do overdraft my account), so none of my money transferred from my savings account into my checking account. My checking account just went into a negative balance. The bank said that once everything comes off pending, they will be able to credit it all back and reverse any overdraft charges.

9 Responses to “My Bank Account was Hacked”

  1. creditcardfree Says:

    Ugh...that is irritating.

  2. Miz Pat Says:

    Wow - that is scary - what bank do you use?

  3. starfishy Says:

    that sucks - sorry to hear you are dealing with this.

  4. MonkeyMama Says:

    Bummer!

  5. Looking Forward Says:

    That REALLY sucks!
    Good luck with everything!

  6. patientsaver Says:

    That's awful. You say you check your account every day. Are you sure to log off, not just close the window, when you're through looking at your account?

    Federal laws limit customer liability in the case of ID fraud to $50. That's not the bank policy, that's federal statutes.

  7. Campfrugal Says:

    Hey gang. Still waiting for all the transactions to clear before the bank can credit my account.

    Patient Saver: I always log off and actually, all of my money will be credited.

    Miz Pat: It is my Chase bank account that was hacked through my debit card, even though the card is still in my possession. They tell me that people just run through numbers until they get a match with card numbers and security codes. Doesn't sound very safe.

    I am actually thinking about closing my credit cards through Chase. I have four and two of them I don't even use with high credit amounts on them. Makes me kind of nervous. Even though I check my bank account almost every day, I don't check my credit cards. Ugg, I know I am gonna take a hit on my FICO, but I am kind of nervous about having so much credit available.

    But, thanks for all the support.

  8. patientsaver Says:

    I was just pointing out that the consumer's liability is limited to $50,meaning, you won't be out more than $50.

  9. CampFrugal Says:

    patientsaver: Oh, I know you are just pointing that out and I thank you. I just wanted you to know that they did say they would credit all of it. Thank you.

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