My debit card number was stolen! HELP!

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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itsmeandrew
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My debit card number was stolen! HELP!

Postby itsmeandrew » Wed May 02, 2012 10:20 pm

I know this is a cc forum, but I was hoping you all could help me out. I found out somewhat recently that someone either got ahold of my debit card info or my bank account info.

So far they've charged about $200 (which may not seem like a lot, but to a college student that's a good month's groceries). I've called my bank and filed claims and am still in the hell of a process to get my money (if any) back.

My main concern here is my identity. I'm worried someone may have gotten ahold of my information and will use it and cause me a world of problems in all aspects possible.

Is there any way to go about protecting it that is better than others?

As of right now I've closed the card and put an ID, social and security question block on my accounts at the bank. Should I do this for my local credit union too? I'm looking to get married soon and to credit problems would kill me especially in looking for a house. Last time I checked I was at a decent 715 for a low 20 year old.

Any advice, suggestions and recommendations would be greatly appreciated.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)


TU (Discover): 760


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PlatinumAMEX94
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Postby PlatinumAMEX94 » Thu May 03, 2012 3:31 pm

Lifelock. It's $99 bucks a year. If you use promocode "Rush" you should get a percentage off.
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DavidNY
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Postby DavidNY » Thu May 03, 2012 3:40 pm

You're cool. Credit cards are safer than debit cards. You can put a credit freeze on if you like, but I think that's overkill. as this issue has nothing to do with your credit reports. "Lifelock" cannot prevent your banking details from being compromised.

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Fri May 04, 2012 12:31 am

Lifelock can prevent your identity from being stolen.
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JCarter
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Postby JCarter » Wed May 09, 2012 2:25 am

PlatinumAMEX94 wrote:Lifelock can prevent your identity from being stolen.


Lifelock is good advice, but you're hard pressed to find anyone who can prevent an identity from being stolen. Lifelock just has measures to quickly mitigate the fall out.

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed May 09, 2012 3:38 pm

You're right. My identical twin could easily steal my identity.
American Express Platinum Personal, Member since 94
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JCarter
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Postby JCarter » Thu May 10, 2012 11:08 am

PlatinumAMEX94 wrote:You're right. My identical twin could easily steal my identity.


So could any neighbor or passer by. Lifelock doesn't shread your documents for you, or hire security guards to protect your house from theft.

They exist to help electronically and stop the transaction before it occurs and catch the thief before he can do more damage.

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FastSRT8
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Postby FastSRT8 » Sat May 12, 2012 4:13 pm

Just went on lifelock's website. Doesn't say they offer their services to Canadians. Does anyone know if they do?
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PlatinumAMEX94
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Postby PlatinumAMEX94 » Sat Jun 02, 2012 12:27 am

FastSRT8 wrote:Just went on lifelock's website. Doesn't say they offer their services to Canadians. Does anyone know if they do?


I tweeted them and they said only US based customers. Sorry.
American Express Platinum Personal, Member since 94
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Chase Sapphire Preferred
American Express Business Simply Cash

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Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
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USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

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FastSRT8
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Postby FastSRT8 » Sun Jun 03, 2012 2:35 am

Drats... again we Canadians get shafted
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