I just found out this afternoon that my debit card number was stolen and used to charge over $1200 at a walmart in Maryland last Monday. It had to be an inside job as I still have the card. One charge was for $500 exactly. Luckily my bank will cover the charges and fight walmart themselves.

just another reason to say away from Wal-Mart...Bud Walton had a GREAT idea, but this thing that it has become is simply unAmerican...

i'll get off my soapbox now...

sorry to hear that Southaven.

Go Tigers!!!
Drew

NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

Don't listen to Super...I don't like him.

uofmwalton Wrote:Don't listen to Super...I don't like him.

Thanks,

supertiger Wrote:YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

This sounds serious! I better check with my wife first as she told me it was fixed by the bank.

supertiger Wrote:NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

Not sure where you got your info, but Visa protects you either way. I had an issue last time I was in Memphis with the number being stolen and they fixed it with no problem. I ran it as debit. They attempted to run it for 3K+ and I had no problems. By the way, ZanderINS for ID theft protection. $70 a year and they do all the work. Worth every penny.

supertiger Wrote:NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

I suggest you check with your bank post haste and change your account to include theft protection. At my bank it is free.

Drew, What the heck is wrong with WalMart? Started a tiny little store in Arkansas and grew it to be the world's largest company. That is all about the American way.......

Chi-Town Wrote:

supertiger Wrote:NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

I suggest you check with your bank post haste and change your account to include theft protection. At my bank it is free.

Drew, What the heck is wrong with WalMart? Started a tiny little store in Arkansas and grew it to be the world's largest company. That is all about the American way.......

I don't like this guy either.




Ok, sorry...I've been hanging around georgiatiger too much,

Don't assume just because your card was used at a Walmart that it was an inside job there. It could have been compromised at a restaurant, gas station, etc. All they would need would be the card number. They could have ordered the merchandise online and picked it up in the store. In that case Walmart wouldn't actually need to see the card.

Support Kmart!.....


I give up.. meh.

I never run mine as a debit, have "demand photo ID" as the signature on the back, have theft protection, have a identity theft rider on my home owners, and get a credit report once a year.
Still had one close call though and it was the FBI that alerted me. Amazon.com was compromised a few years back and I guess they caught the guy because I got a letter from the FBI stating a computer had been seized with my CC # along with many others.

And WalMarx is the evil empire. The old man believed in the "made in the USA" label. That is no longer. They treat their vendors like crap and have bankrupted so many that most smart potential suppliers back away from many opportunites with them.

FtWorthTiger Wrote:

supertiger Wrote:NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

Not sure where you got your info, but Visa protects you either way. I had an issue last time I was in Memphis with the number being stolen and they fixed it with no problem. I ran it as debit. They attempted to run it for 3K+ and I had no problems. By the way, ZanderINS for ID theft protection. $70 a year and they do all the work. Worth every penny.

Visa isn't the organization that sets most policy. If the Visa is issued by a bank that bank has its own individual rules. I sold credit card services for two years. My family is in the banking and insurance business. It really depends on the bank, card provider, card network, business interchange provider, the merchant, and the state. MOST banks including the three I do business with won't cover unauthorized charges if the pin is used. If the person making the charges doesn't have the pin they can run the transaction as a credit-based transaction. If they make unauthorized charges with your debit card as a credit card then the VISA has the liability which is then really lumped on the merchant. When you reverse the charge VISA and your bank doesn't lose a dime. Wal-Mart is the one who will eat the $1200

supertiger Wrote:

FtWorthTiger Wrote:

supertiger Wrote:NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

Not sure where you got your info, but Visa protects you either way. I had an issue last time I was in Memphis with the number being stolen and they fixed it with no problem. I ran it as debit. They attempted to run it for 3K+ and I had no problems. By the way, ZanderINS for ID theft protection. $70 a year and they do all the work. Worth every penny.

Visa isn't the organization that sets most policy. If the Visa is issued by a bank that bank has its own individual rules. I sold credit card services for two years. My family is in the banking and insurance business. It really depends on the bank, card provider, card network, business interchange provider, the merchant, and the state. MOST banks including the three I do business with won't cover unauthorized charges if the pin is used. If the person making the charges doesn't have the pin they can run the transaction as a credit-based transaction. If they make unauthorized charges with your debit card as a credit card then the VISA has the liability which is then really lumped on the merchant. When you reverse the charge VISA and your bank doesn't lose a dime. Wal-Mart is the one who will eat the $1200

This sounds more like how I think it happens. My wife had her debit card stolen a couple of months ago out of her wallet/purse. She noticed it missing and within 30 minutes had notified the bank, but they had already charged $600 worth at a Walgreens. We didn't pay anything and I believe Walgreens ate the whole thing and fired the cashier on duty because they didn't follow procedure and check the signature on the card.

As a banker myself, you are not liable for any unauthorized transactions on your account whether you do a credit or a debit. I see this almost every day. The best thing to do is to call the bank ASAP! Most times we do have to wait for the charges to clear an account before we can take any action. Also when I'm using my PIN number for a debit I do cover my keypad as I type....and people look at me weird for doing it. The best protection for yourself is to carry as little as possible with you and always be on the lookout.

"The best protection for yourself is to carry as little as possible with you and always be on the lookout."


Thanks for the tip. I usually carry several with me, but only use one or two. I will probably start only take the ones I'm going to use. I never use a PIN.

If you've been following the news the last few months, this is happening all over DeSoto County. It's a multinational racket out of Russia.

mairving Wrote:Don't assume just because your card was used at a Walmart that it was an inside job there. It could have been compromised at a restaurant, gas station, etc. All they would need would be the card number. They could have ordered the merchandise online and picked it up in the store. In that case Walmart wouldn't actually need to see the card.

Yeah, I had my number stolen and had a couple thousand dollars charged at Cigar King. I promise you I had never used it there...I can't hold my smoke.

Chi-Town Wrote:

supertiger Wrote:NEVER type in your pin!

ALWAYS say or select credit when handing the card to someone or sliding it. If you are prompted to enter a pin hit cancel, or whatever button neccessary to run it as credit. When you run the card as a credit card you are granted hundreds of legal rights. When you run the card as a debit card you are granted very few rights. YOU personally will be held for every single debit transaction under the law. If your card is stolen YOU are only personally liable for unauthorized credit card transactions.

I suggest you check with your bank post haste and change your account to include theft protection. At my bank it is free.

Drew, What the heck is wrong with WalMart? Started a tiny little store in Arkansas and grew it to be the world's largest company. That is all about the American way.......

I cannot stand Wal-Mart. I make a concerted effort to avoid them unfortunately, when you travel sometimes there is not another option. My biggest problem is what they have done with their "American" manufacturing and how they ruin small town businesses and typically do not provide decent benefits (health insurance) for their employees. In the field I work in I see the direct effect of the insurance part. Also, they have a habit of getting a town say, Germantown, to give them a 10 year tax break. They build the store, close it in nine years and move 1 mile away and again negotiate a tax break. This cycle will continue and unfortunately Cordova will have a more difficult reusing the space than Germantown did. I am fully aware that it perfectly legal but that does not mean I have to support a business who does that; so I try very hard not to.
Here is a link about Walmart's issuesWalmart cirticisms

Again, I am really not a pro union person at all. I think they had their place but are ultimately corrupt....but that is a whole different debate!

as far as I'm concerned, that's just one more reason to steer clear of Wal*Mart....not that it couldn't happen at Target or anywhere else, but I HATE Wal*Mart.

In addition to doing away with their American manufacturing, it's ridiculous the discounts they DEMAND in order to do business with them. Our company works with them, and it's pretty sickening that in order to still be viable in today's economy, you basically have to GIVE them your product so they can turn around and sell it for $7.97, and therefore run every other customer you have out of business.

did anyone hear the story yesterday about the one (I think on G'town Pkwy) that wouldn't allow the customer to place her purchased goods in a Kroger reusable cloth bag? She brought it, and the cashier told her she would not put Wal*Mart items in a Kroger bag. Even the manager backed her up, saying that she COULD use it, but they would PREFER that she not.