Lost My Debit Card - What Happens When People Find The Card?

newbiesh on 09/01/2021 - 22:06
Last edited 10/01/2021 - 10:26 by 1 other user

I just woke up with two push notifications from my bank saying I took a Yellow Cabs ride of $43 and parked my car apparently in for $32 in paid zone at around 4AM.

I cancelled the card immediately and called the bank and they lodged a case to the Yellow Cabs and the parking company and been told to wait 21 days to hear back about the outcome.

It seems that my credit card was fallen out of my wallet as I couldn't find it again so not skimmed etc. As disgusting as it sounds, what normally happens when people find your card and buy themselves a beer? They can find him/her as Yellow Cabs have cameras I assume. Are they gonna really look into this or just doesn't worth their time?

Luckily the account was my 'sandbox' account for daily transactions where I usually keep $100 or less into it.

Financial

Comments

  • Kangal on 09/01/2021 - 22:13
    +7

    You mean… fraud?

  • WreckTangle on 09/01/2021 - 22:21
    +11

    Your story doesn’t really match the title. I think i’ve been defrauded too.

  • SF3 on 09/01/2021 - 22:21

    That sucks man, my sympathies.

    S/he deserves their own Karma!

  • Eeples on 09/01/2021 - 22:21

    Was it a credit card or debit card linked to one of your savings accounts ?

    • newbiesh on 09/01/2021 - 22:50

      debit card

      • RockyRaccoon on 10/01/2021 - 09:10

        Ah yes, was initially confused on how you could sandbox a credit card with such a low amount.

        Might want to update original post from Credit to Debit card

        • Eeples on 14/01/2021 - 18:07

          Great! Now my question looks stupid :/

  • TheBird on 09/01/2021 - 22:23
    +3

    It's $74…..

    Unless it's low hanging fruit (as in it's quick and easy to find and arrest), no one is going to be interested in chasing down the offender. It just isn't worth the public resources. It also isn't going to be worth the banks resources to do much about it either.

    • newbiesh on 09/01/2021 - 22:51
      -1

      if the yellow cabs cameras are real i think should be easy find.

      • TheBird on 09/01/2021 - 23:01
        +2

        You'll have a photo…. once you have a court order for the release of that information… assuming they haven't written over it already.

        Have you seen how many times the police have released pictures of suspects they're hunting to the news, "Have you seen this man?"

        I can see it now… "Manhunt now in progress. Suspect stole $74. He's extremely dangerous. Please don't approach and contact police if you see this person."

        Don't get me wrong, I hope they get caught. I'm just saying, don't get your hopes up.

      • Mike88 on 10/01/2021 - 13:04

        Unless they were wearing a badge with their name and address on it I doubt the camera footage will be useful for such a small crime.

    • [Deactivated] on 09/01/2021 - 23:01
      +1

      In England they started dropping burglary cases and just bought victims flowers and an apology card to save costs.

      https://www.telegraph.co.uk/news/uknews/crime/9962899/Burgle…

      • Sinnerator on 10/01/2021 - 09:10
        +3

        Feeln cute, and victimised, might call UK cops tell em I've been burglarized for a free pep me up.

  • DemocracyManifest on 09/01/2021 - 22:29

    I used to work for a branch of one of the major supermarkets, and the police used to come in to get footage of people using stolen cards, I don’t know what the threshold is for it to be investigated but if it’s at that stage they must have been doing it for a while and racked up a bit of a tab…

    I dropped my wallet once on a bus and someone just grabbed it and merrily went on their way to spend my empty bank account; think they probably managed to get a slurpy as it was before pay day, bank refunded the stuff they spent it on, same will happen for you if you contacted them when you realised

  • ProlapsedHeinous on 09/01/2021 - 22:44
    +1

    I had a fraudulent charge for an uber in NY for 150usd. called bank, got a new card a couple days later and charges reversed in about a week. it happens.

  • conan2000 on 09/01/2021 - 23:36

    For that value, the bank will just give you the money back I'm sure. I used to work for one of the Big 4, unless it was many thousands they just write it off, as it costs a lot more to investigate such things than it just to just give the customers the money.

    We have had a couple of fraudulent transactions on our cards over the years. I have one for a couple of thousand for an overseas travel company, the bank credit the funds back almost immediately without even needing to fill out forms. My partner had a very similar experience with a transaction for about $6-700.

  • Donaldhump on 10/01/2021 - 00:17
    +4

    unlucky situation, some people are thieves.. hopefully bank gives it back

    I once had a rather over friendly man on a train in Italy offer me free cider. I ended up drinking 4 cans. His accomplice stole my digital camera from my bag as I was getting pissed and not paying attention.

    The digital camera was broken and i had spewed on it the night before.

    Winning.

    p.s. can i borrow someones twitter account

  • ozbargainer666 on 10/01/2021 - 01:09
    -1

    you get free stuff

  • whooah1979 on 10/01/2021 - 07:11

    Just get your money back from the bank and move on. They can take the bill as the cost of doing business.

  • AustriaBargain on 10/01/2021 - 07:36

    My ex had his card stolen, well he dropped it in a shop. The people who took it went on a spending spree with the tap and pay, all over the city they bought loads of stuff close to the per transaction limit each time. Oh such fun they must have had.

  • Samsungnote10 on 10/01/2021 - 10:30

    my views:
    the banks take credit card fraud pretty seriously, they may not have police arresting the guy for $74 however, as a consumer you're very safe, my guess is that their process is to refund you first and then investigate so as a customer you are safe, provided no funny business (thats how its worked for me every time)

    one time when I was working, police came into my workplace as some guy had used a stolen credit card for a $25 purchase, they asked for footage, and came back once more, not sure what happened after that but I think police do investigate, maybe depends on how busy they are or easy it is to investigate for smaller amounts

    • whooah1979 on 10/01/2021 - 10:55

      The only reason they take it seriously is that it hurts their bottom line. For every dollar that they reimburse their customers is one less for the next quarter.

      • Samsungnote10 on 10/01/2021 - 11:18

        that works for me!

        they could just refuse to reimburse you and give you some BS excuse as to why you arent covered or why its your fault

  • this is us on 10/01/2021 - 10:47
    +2

    Police wouldn't investigate for $74. A friend of mine had videos of this burglar trying to get into the property by bending the fence, twice. Friend went to Police and they justified their ridiculous lack of action with "maybe he was trying to get to the door to sell something, nothing happened".

    Yes, because wine, encyclopaedia or Bible sellers are now more pragmatic. Instead of calling, they break into your house and wait for you in the living room so you don't refuse the offer. 😂

    • AustriaBargain on 10/01/2021 - 12:01

      Just tell the police you're friends with whoever is the wormiest power broker in your state. They'll have your card back in your hands within a day.

  • Randxyz123 on 10/01/2021 - 12:34

    You’ll get it back most likely. Unfortunately it is unlikely the police will follow it up but you should report it regardless.

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