So you go to use your debit card and it isn't accepted. You know there's enough money in your bank so you can't figure out why. You go on line - $7.34 in your account - but your paycheck just went in---now what? You know you didn't do that - well congratulations, you've been hacked. That was me last year, fortunately from working in the banking industry for years, I knew what to do. Here are some simple steps to follow:
1) Call your bank! Have the debit card canceled immediately.
2) Ask for the Fraud unit at your bank and let them know which charges were fraudulent.
3) Look at each of the charges, they should have a phone number attached. Call each phone number and let them know what happened. In my case, it was all porn sites (I didn't know anyone could watch that much porn) and they very quickly (within 7 days) refunded the money into my account. Make sure you write down who you spoke to and if they give your the name of the person that used the card.
4) File a police report. Make sure you get the case # to give to the fraud unit at your bank as well as keep for your records.
This was an experience I don't wish upon anyone, but if it does be prepared.
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