By Sheriff Scott Henriod WPCSO
This last Saturday I got an interesting text message from the banking establishment that I do business with. The message stated that someone had used my debit card and that a charge was pending. The text went on to state that if I had used the card to text accept and if I didn’t then text denied. Not knowing if this was a scam or not I contacted the bank by calling the number on the back of my debit card. I did this to verify that my debit card was being used without my permission.
Sure enough my card had been hacked and someone was trying to use it at a gas station in another town. My banking establishment deactivated my card and declined the purchase. As I went through this process with the bank of verifying who I was and to obtain a new card, I thought I would share some of the important security measures that are put into place so that you are not falling for a scam.
First, when you receive these messages on a text don’t call the number that is being sent to you over the text message. The reason is your call could be rerouted to the person who is trying to scam you. Instead, call the number on the back of your debit or credit card to report the incident.
Second, the banking or credit card establishment will ask you some questions to verify who you are. You probably set up a security question with them that they are going to ask you to verify.
Third, the establishment will ask you only for the last four digits of your social security number, they will not ask for the whole number because they already have it on file.
Once they have completed this informative conversation they will then address your problem. I’m not sure how the scammer got my debit card number, but I was lucky that I had put some safeguards in place with my banking establishment to notify me if this type of problem occurs. I hope this never happens to you, but if it does make sure to contact your banking or credit card establishment promptly and directly to take care of your finances.