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I had the guy downstairs hooking my post Including my bank and credit card statements) out of my mailbox at the flats where I used to live a few years ago. I only found out when the police called my bank (where I happened to also work at the time) to see, after they raided him, whether these account numbers and names were real or not. I also had a fake transaction go on my account (earlier, I think) but again it was caught by the software.
We don't really see what goes on in the background but banks all have anti-money laundering and fraud units which liaise with the police over this stuff, and computer programmes which identify suspicious-looking transactions. So it's nice to know the banks do some useful stuff.
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I had this happen a couple of times (I have sh!tty luck apparently). Both times, my bank caught it before I did and refunded the money.
That being said, I am VERY careful when using my cards and do not use them at questionable locations. The only thing I can figure is that it's being compromised when I hand it over to waiters at restaurants (a practice I will have to stop).
That is a lot faster then when it happened to me. Good for your bank.
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the exact place I last used it, other than the book-shop I always use, was in a resteraunt
and, i've looked online, and apparently it's a very common scam - a dubious waiter "skims" your card when making payment, or the card-reader in the resteraunt has a device attached to cloan your card. generally resteraunts or petrol stations is where it happens
I don't even think this jackass skimmed it...all the "purchases" were made online to these "vendor services" sites that exist solely to accept anonymous, shady payments. Well that and verizon wireless online.
