I checked my on-line baking today and discovered 2 charges to my debit card that I didn't recongize. I called PNC and they said they were from a service-station in BRAZIL. From what she could tell me, the charge was made with a "swipe" transaction, so the card was copied or something.
Now my question: Should I go ahead and place a fraud alert on my credit information?
I don't normally carry my credit cards with me, unless I know I'll be using them (and I haven't used them since November). All my cards are accounted for. I've changed my passwords to my credit card log-in as well as on-line banking. I can't think of anything to do.
If you recommend to place a fraud alert, how would I go about doing it? Thanks!
I had the same happen to me twice via a BofA CC and a Wach/WF CC. In both times the CCs were cloned likely by a handheld skimmer. I never filed a FA because they didn't have access to my credit. But I did call the police both times despite the CCCs catching and blocking the charges and of course had the CCC issue new CCs. I also ordered my reports frequently following that just in case it was something bigger or more coordinated.
Credit reporting issues are secondary, and if they should occur, can always be dealt with via the FCRA identity theft process, which permits a consumer to send a police report to the CRA and immediately get the information blocked from their credit report.
I would get the CCC to issue a new card.
When I call to dispute the transaction, the PNC rep went ahead and re-ordered a debit card for me. She says I can't dispute it until the transaction posts on my account. Just to be safe, I changed my banking passwords as well. I just wasn't sure if it was necessary to do anything else.