記一次Debit卡ATM盜取款經歷

去年年底我的美國TD Bank Debit卡突然被人用來在美國俄克拉荷馬州New Castle的某Federal Credit Union的ATM連續取了3次200刀(每次3刀應該為ATM手續費)。

雖然我經歷過好多次Chase信用卡的盜刷,但那畢竟是信用卡,而且並不是卡片被盜或者複製,而是純粹的Chase卡號演算法被破解後讓別人在網上盜刷。比如去年11月我的CSR就被用來在美國中部某大農村用來網上訂了一頓IMOS Pizza,聯繫Chase後一天就退回來了:

努力思考後我想起來10天前在墨西哥坎昆Ia Isla Shopping Mall里取過幾百比索的現金,因為這張Debit卡取款沒有手續費(多收的手續費出帳單後會退回),因此就隨意找了個ATM取錢而沒有選擇大銀行的ATM。雖然沒有證據證明是這次操作導致的,但除此以外我幾乎不用Debit卡消費,實在想不到別的場合可能會引起盜刷。

取款地點就在Cancun酒店區熱鬧的La Isla Mall中心地帶。

坑爹的是,當時取款ATM提示每個步驟都有英語,除了最後一步用西班牙文問要不要捐款,結果腦子一熱,差點捐了一大筆比索出去。誰料就是這麼一次取款,被動過手腳的ATM內的裝置就讀取了卡片資料和密碼然後卡片迅速被複制,10天後複製的卡就被用來在俄克拉荷馬州取美元現金。幸虧發現的早,否則估計第二天會被繼續取款。

想到這,我感覺拿出當時辦銀行卡的小冊子仔細閱讀Debit卡盜刷條款:

Unauthorized Transfers
Tell us AT ONCE if you believe your Card, your PIN, or both has been lost, stolen or used without your permission, or if you believe that an Electronic Funds Transfer has been made without your permission using information from your check. You could lose all the money in your Deposit Account, plus your available overdraft protection. Telephoning is the best way of keeping your possible losses down. If you notify us within two (2) Business Days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone uses your Card or PIN without your permission. If you do not notify us within two (2) Business Days after you learn of the loss or theft of your Card or PIN, and we can prove we could have prevented someone from using your Card and/or PIN without your permission if you had told us, you could lose as much as $500 ($50 if you are a resident of Massachusetts and this Agreement is governed by Massachusetts law). You will not be liable for unauthorized purchases made with your Debit Card when used as if it were a Visa® Credit Card. However, you can be held liable for fraudulent use of your Card and/or PIN when
PIN-based transactions are made with your ATM or Debit Card.

總結一下就是

  1. 盜刷/取款兩天以內通知,用戶損失最多50刀。
  2. 盜刷/取款兩天以後通知,用戶損失最多500刀(MA居民依然為50刀)。
  3. 如果把Debit卡當作Credit來用被盜刷則無需負責(畢竟沒有Pin)。
  4. 如果用Pin產生的盜刷/取款,用戶可能需要負責。

總體來說,規則寫的非常模糊,不過似乎不算太糟糕。我趕緊拿起電話聯繫TD Bank的客服,但是當時盜刷的錢還在pending,因此客服說不能幫我dispute pending的取款,但立即掛失了Debit卡避免更多損失。兩天後被盜的三筆203刀取款post,我再次電話客服,客服老奶奶非常慈祥,但是居然又幫我掛失了一遍Debit卡(一周後我收到了兩張Debit卡)。老奶奶反覆問了我去過俄克拉荷馬沒有,是否卡一直在身邊。我咬定這輩子都沒去過那個州並且Debit卡一直在我身邊。客服老奶奶看了一眼我的交易記錄,立刻發現了Cancun這次取款,她說她覺得就是在那被複制了Debit卡,我表示同意。客服老奶奶幫我Dispute了三筆交易,同時建議我報警然後(但不是必須)。我覺得報警實在太麻煩,等了三天後609刀已經退回賬上。這裡給TD Bank點個贊!

 

總結經驗教訓:

  1. 去墨西哥玩盡量不要在當地ATM機上取款,因為機器內部可能被人做過手腳。
  2. 如果一定要取款,建議去銀行直屬的ATM機器,比如Santander, HSBC這樣的大銀行ATM取款,而不要去私營的小規模ATM。
  3. 更加坑爹的是,坎昆現在很多ATM根本不讓取比索,只能取美金,也算是給當地創外匯的一條路子。
  4. 發現Debit卡被盜刷一定要馬上報告,Debit卡盜刷的法律保護雖然比不上Credit卡,但大部分銀行對客戶的保護依然是不錯的。

若喜歡本文,別忘了給個五星好評哦!

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