1. Friday, December 7, 2012 - 6:26 AM
It's very important to track purchases made with a debit card and to act promptly as soon as irregular activity is detected. In addition to filing the disputes, I hope they changed the PIN on the fiance's card once they noticed the transactions were all PIN-based using his card.
1,334 posts since
Nov 2, 2010
Rep Points: 5,788
2. Friday, December 7, 2012 - 11:53 PM
While I have never even activated my ING debit card, I am very discouraged over their inability and/or unwillingness to resolve this before the media got involved.
More people need to know & understand the risks of using a debit card.
I ALMOST never use them except for my needed 24 rewards account transactions.
Credit cards offer more protection and usually offer better cashback deals too.
Shame on ING/Capital One.
When my identity was stolen 12+ years ago, a handful of places simply took my word for it and only ONE required a signed, but not notartized letter.
Since then, I guess Ive had 3-4 credit cards compromised. Usually, the banks know before me and call & ask me about it. One time, I caught it before the bank.
But in each instance, they never required ANYTHING in writing from me.
Im pretty careful with my cards & numbers so I tried to dig in & figure out HOW it happened and the banks pretty much told me to not waste my time, that chances are I didnt do anything wrong or risky.
All that said, I had my hair cut by a lady who works debit card fraud at a local bank. Said the majority of their claims are customers trying to get out of paying for valid charges.
70 posts since
Jan 21, 2011
Rep Points: 387