Did my debit card get hacked? November UPDATE

JimB said:
No, failed as a man, no knife at hand. Considered just pulling it out but
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Stripping the wires and connecting them all together would be fair game.
 
for the cable hanging out of the pump/skimmer
 
I use PayPal for anything like ebay, amazon, and such.
If it's gun related and a nogo on paypal I have a card I use on that not llinked to any other accounts. We get Automatic Texts on purchases.
It's been hacked 2 times, both times from a Home Depot Charge that wasn't linked to the second card.
I spoke to the Home Office Security services, seems they shipped the same items I had bought 2 years prior online with the first CC # to a different address on the new 2nd CC#. They didn't have my 2nd on file when I called them or so they said.
So now the issuing bank sent me a 3rd card.
I closed all my Home Depot cards and accounts.
That was 9 months ago all good so far.
Had to be someone inside Home Depot in Georgia were all the charges from online shopping originated from.
 
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beamernc said:
@amnesia,
The DEBIT card(s) were never, NEVER, used in person or on line! Never even used it at an ATM.

That is exactly the reason that I do not use the debit card.

Again, neither debit card had ever been used. Last one was never even taken out of the desk drawer.
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I’m guessing this is what you’re seeing. Just received this from my CU.

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beamernc said:
Either the credit union or VISA has a bug in their security to allow this to happen a second time. I suspect it is on VISA.

1. This new debit card has never left the drawer of my desk until this morning when I called the credit union.
2. Card was never used, neither was the previous card.
3. No one has been in my house to access the card.
4. No possibility of coming into contact with a card skimmer.
5. No possibility of a merchant copying the card information.

So how does this happen?
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There are only so many potential combinations of card numbers, expiration dates, and 3 digit verification codes. I guarantee you that there are programs that generate random cards that meet the checksum criteria and then attempts to process a payment on them. You'd be surprised how many people don't examine their statements and don't notice a small charge, unless there is something really off about it, like when my mother's card got hacked and was used to buy pornography. The winners are kept or sold and the losers flushed.
 
amnesia said:
I’m guessing this is what you’re seeing. Just received this from my CU.
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I closed my Coastal CU account a couple years ago because they had some shady practices on service charges and their rates weren’t great compared to others. I do keep getting these email alerts from them on a pretty regular basis which makes me wonder if there isn’t some ongoing hacking activity going on that sets this off causing them to lock down access

Subject: Coastal Alert: Account Locked
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Your online banking account has been locked for your protection. To unlock your account or for more information, please contact Coastal's Member Services team at 800-868-4262 or 919-420-8000.
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DaveInCLT said:
I closed my Coastal CU account a couple years ago because they had some shady practices on service charges and their rates weren’t great compared to others. I do keep getting these email alerts from them on a pretty regular basis which makes me wonder if there isn’t some ongoing hacking activity going on that sets this off causing them to lock down access
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Yeah they implemented software to prevent credential stuffing so it locks accounts where people are using password databases from prior breaches and using it elsewhere.

I only keep Coastal if for some reason I can’t deposit a check because it’s over the 10k limit I have some place local since I use Navy Fed & Schwab
 
Fred said:
Could you tell me more about this?
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I opened an account in 2010 just as a 'placeholder' account with $500. I was leaving an employer that was associated with Coastal and I have a couple of minimal credit union accounts I keep just in case I want to use their usually favorable CU terms for loans, etc. and thought I'd keep $500 just sitting there in a simple savings account. All electronic, no paper statements, no cost to them - just thought it would sit and earn a little interest and I'd have my foot in the door if I needed them. They also sell my info to try and sell me insurance, etc. like all CU's do to make some money.

However at some point they changed their terms without notifying me (I searched extensively, they admitted they didn't send anything out) and start taking a service fee each month. Half my money is gone when I finally check the account a year and a half later. I call the bank and after talking to several people I get ~ 3 months of the fees returned and they said sorry but you've got to come in and talk to a manager in person to get the rest - there is no branch within a couple of hours of me. They said oh, by the way other people complained and we've stopped that fee so we fixed that for you too, but they didn't stop on mine until I called to complain, WTF.

I let the account sit a couple more years now that it wasn't losing money but ultimately decided to cut them loose as their rates weren't comparatively competitive for any investment or loan terms. I wrote a registered letter to close my account and in it explained the past issue and they made me whole in the closing account check they sent. Was still really crappy for them to change my account terms, suck my funds out, not fix the issue until asked about it and then not return all my money unless I drove two hours to get to a branch in person. I won't do business there in the future - other credit unions I've got accounts with (both smaller and larger than Coastal) seem to be much better than them on every front.
 
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