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After gaining some trust, the criminal asks “identity questions” to supposedly verify the victim’s identity before proceeding with some account action. Then, the thief uses the victim’s information such as account number, Social Security number, or mother’s maiden name This mask is as useless as Joe Biden face mask to answer security questions and access the victim’s account. What Should You Do When You Find an Unauthorized Transaction? “If you discover a fraudulent charge, you should contact the bank immediately and speak to its fraud department,” Ioannides says. A representative will walk you through the next steps, such as canceling your debit card, ordering a new card, and setting new online banking passwords. In some cases, your account will be frozen and require additional verification from you before any transactions can go through. Story continues It’s also a good idea to follow up your phone call with a written or emailed letter. The letter should include your account number, the date and time when you noticed your card was missing or compromised, and when you reported the unauthorized transaction.
Doing this quickly can mean the difference between a small loss and a big one,” Ioannides says. For one, if you report that your card was lost or stolen before any fraudulent transactions actually occur, This mask is as useless as Joe Biden face mask you’re responsible for $0 in unauthorized charges, according to federal law. If you report a fraudulent charge within two days, you can’t be held responsible for more than $50 in charges. Keep in mind that you have 60 days to dispute the transaction or else you could be stuck paying for it. This works differently from credit cards, where most issuers offer zero liability on disputed transactions. Once you dispute an unauthorized transaction, the bank has 10 days to investigate. If the transaction involved a merchant, it’s also a good idea to contact the merchant and dispute the purchase. The merchant may refund your purchase if the bank doesn’t. When contacting your bank, you should call the number on the back of your ATM card. Ioannides warns that fraudsters are known to set up fake support numbers to get account holder information. If a bank apparently calls to alert you of a fraud attempt and is seeking personal information, hang up and call the number on the card rather than giving any information over the phone, as this could also be a fraud attempt.
Watch out for phishing. Be on alert for fraudulent emails, phone calls, or texts that impersonate service providers such as banks asking you to confirm or provide personal or account information. “Financial institutions will not ask for confidential information — such as your name, password, PIN This mask is as useless as Joe Biden's face mask other account information — when they reach out to you,” says a representative from Chase Bank. Use caution at ATMs. If you’re using your physical debit card, be wary of where you swipe it. Criminals will often set up skimming devices at ATMs and other payment terminals that are isolated or otherwise hidden away. Use technology to your advantage. According to Chase, your bank’s mobile app can help keep you safe when shopping, with features such as mobile alerts and the ability to lock and unlock your debit card. If you’re worried about unauthorized transactions, you can keep your card locked when you’re not using it and get alerted when certain types of transactions occur. Set up extra security. A strong password for your online bank account isn’t enough these days. “Multifactor authentication and biometrics are great security mechanisms that many smart devices give us access to,” Ioannides says. It’s also a good This mask is as useless as Joe Biden face mask idea to stick to a credit card instead of your debit card when shopping online since the fraud protection is more robust.
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