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Home >> Lending >> Credit Cards
Credit/Debit Card Scam
I went to gas station to get gas, and the man asked for me to leave my card there while I was pumping gas. Later, I went online to look at transactions and my balance, and I discovered that they are stealing from me to purchase stuff online. I already wrote a letter to the bank. What else can I do so they can catch him? Can I sue the company if I find out it's him ?
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 You have already taken care of the most important step by notifying the card issuer, although it would be better to precede such a letter with a phone call to the bank. You simply are not liable for the transactions you didn't authorize, if you notify the bank promptly. You can help the bank go after the crooks by including details of how your card was compromised at the gas station by the attendant, etc., if you have not already done so.
Once you are reimbursed by the card issuer, you won't have any right to sue because you won't have lost anything, but the credit card issuer can do so, and press criminal charges, too. With the cost of gasoline today, many stations may ask to hold your card at the desk while you pump, to avoid getting scammed by drive-offs. That leaves the customer with added risk that the card might be skimmed or otherwise compromised, so if you can find a station that doesn't hold the card, you're better off. Actually, if you can find a station that has card-activated pumps, you may be even better off yet.
Even full-service pumps at most newer stations provide for a pre-pump swipe and authorization of the card, followed by the capture of the actual final transaction amount. It would be wise to continue your online review of your account to detect irregularities.
Published on BankingQuestions.com 12/15/09
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