My 21-year-old college sophomore daughter's SECU checking account debit card was skimmed 2 weeks ago at an ATM. She realized it the next day when she tried to use her debit card for a gas purchase.
She withdrew $20 the night before at an ATM with her card and somebody else withdrew $200 right after her. She reported the missing money, shut down the account and cancelled her debit card immediately when she realized it. She made a police report and the SECU called when they had the ATM photos for her to view. The first photo was of her using the ATM and the second photo showed a man she'd never seen before. The SECU had already captioned the second photo: "Girl hands card to guy to use". She was outraged. She asked me to go back with her to see the photos and the caption was still there. The bank reps actually told me twice that there was absolutely NO OTHER WAY for anyone to get money from my daughter's account unless they had her card in their hand and knew her pin number. I asked the question twice because I had heard a little about skimming fraud and knew this WAS possible. I have since then read everything I can get my hands on about the topic but still have a question I am hoping you will answer for me.... Because the second withdrawal (and photo of unknown male) was recorded exactly one minute after the $20 withdrawal my daughter made (and her photo recorded) the SECU says that there is NO WAY that this was a skimming incident. They say that this could not take place in one minute and that the card had to have been handed over to this unknown male by my daughter. End of story. She is absolutely furious and humiliated. I am furious!!
I cannot help but think that if someone has devised a way to retract credit or debit card info and use it for their own purchases, that it is certainly possible that the transaction time can be manipulated as well. I have also learned that it is during these late Saturday night/Sunday morn weekend hours that the computers are backing up/processing transactions and that often the time recorded is off. Am I right or wrong in my assumptions? Is it possible for a thief to skim a card at an ATM and retrieve money from the account recorded only one minute after the valid owner of the account used the card??
I very much appreciate any knowledge you might share with me concerning this matter!