# data[].attributes.headline
WEBSITE #1: Debit card fraud and how to prevent it.

# data[].attributes.subject
WEBSITE #1: Debit card fraud and how to prevent it.

# data[].attributes.body
The government of Canada defines debit and credit card fraud is when someone steals your personal identification number  (PIN). This happens by withdrawing money from an ATM and making purchases online and in a store. A thief steals your card information by swiping the card through a device that reads and records information from the magnetic strip or by looking over your shoulders to obtain your PIN and copying your card information.

# data[].attributes.attachment_link.readable_text
How debit card fraud happens

Debit card fraud happens when someone steals or uses without your permission your debit card or debit card information. Your information or your card is used to:

make a purchase in a store

make a purchase or transaction online

withdraw cash from an automated teller machine (ATM)

withdraw money with an in-store purchase

A person might steal your debit card information by:

swiping your debit card through a device that copies the information stored on the magnetic stripe on the back of your card

looking at your personal identification number (PIN) over your shoulder when you're using your debit card

sending you a fraudulent email asking for your banking information (also called phishing)

using a device that jams your card in an ATM. A helpful stranger then suggests that you try to put in your PIN a few times. When the card remains jammed, this person later removes your card and has your PIN

Protect yourself from debit card fraud

Debit cards issued by financial institutions have a computer chip that makes transactions more secure. The computer chip works with your PIN to make sure you give permission for each transaction. This helps protect you against fraud if someone steals your card.

There are also certain actions you may take to protect yourself from debit card fraud. Follow these tips to protect your debit card and your personal information.

Keep your PIN secret

Choose a PIN that is hard to guess. For example, avoid using your birthday, Social Insurance Number, address or telephone number as your PIN.

Be sure to keep your PIN secret:

never share your PIN with another person. Do not even share it with a family member or partner

memorize your PIN rather than writing it down. If you write it down, keep it in a safe place, away from your card or wallet

change your PIN often

Contact your financial institution and change your PIN immediately if you suspect someone knows it.

If you share your PIN with someone, you may be responsible for transactions you haven't made or approved.

Reduce your daily limit

A daily limit is the amount of money you may spend or withdraw from your account each day. It applies to both ATMs and in-store transactions.

Contact your financial institution if you think your limit is too high.

Protect your debit card and your debit card information

To better protect yourself from debit card fraud, you may also:

keep your debit card in a safe place

never lend your debit card

insert your card rather than swiping it during a purchase

hide the terminal or ATM keypad when you enter your PIN

keep your debit card in sight at all times when making a purchase

take your debit card and transaction receipt with you once you've finished a transaction

retrieve your card quickly after a transaction. Complete your transactions before answering anyone trying to get your attention

check your account statements often to make sure all transactions are correct

keep paper and electronic copies of your account statements and put them in a safe place

contact your financial institution right away if your card is lost, stolen or stuck in an ATM

If you're a victim of debit card fraud

If you're a victim of debit card fraud, take the following steps:

1. write down what happened and how you first noticed the fraud

2. contact your financial institution right away to tell them about the fraud

3. take note of whom you talked to and when you spoke to them

4. keep all documents that you think might be helpful when the police investigate the fraud

5. contact your local police service to file a complaint

6. if you believe a company (for example, your telephone company) has been hacked, contact it

Report the fraud to the Canadian Anti-Fraud Centre

The Canadian Anti-fraud Centre includes partners from the Royal Canadian Mounted Police, the Ontario Provincial Police and the Competition Bureau of Canada. It is the central repository for information about fraud.

Contact the Canadian Anti-Fraud Centre.

Related links

# data[].attributes.attachment_link.keywords[]
debit card; fraud; personal finances; banking;

# data[].attributes.attachment_link.description
Debit card fraud is when someone steals both your PIN and debit card or debit card information and uses it without your permission. Learn more:

# data[].attributes.headline
WEBSITE #2: How to protect yourself, debit cards and credit cards from fraud.

# data[].attributes.subject
WEBSITE #2: How to protect yourself, debit cards and credit cards from fraud.

# data[].attributes.body
This website summarizes what you need to know to identify suspicious transactions.  It suggests helpful ways to minimize card fraud.  It teaches you way to keep your debit and credit cards safe by familiarizing yourself with fraud alerts, accounts and card locking.  It also suggests keeping your PIN to yourself, do not write down or share personal information and only deal with trusted vendors and merchants.

# data[].attributes.attachment_link.description
Recognizing debit and credit card fraud is important to keep your bank account safe. Use our tips to protect your PINs and cards from scams and vulnerable situations.

# data[].attributes.headline
WEBSITE #3: Preventative tips for payment card fraud.

# data[].attributes.subject
WEBSITE #3: Preventative tips for payment card fraud.

# data[].attributes.body
The website is generated from the Waterloo Regional Police it gives you prevention tips to minimize the risk of becoming a victim of card fraud.  For example, secure your payment cards- keep it in a secure location, secure you pin-do not write it down, memorize it and check your statements – make sure all payment were made by you and secure you card numbers -do not allow a site to save/store your card number.

# data[].attributes.attachment_link.readable_text
Debit Card or Credit Card Fraud takes place when a fraudster uses a device to tamper an Automated Bank/Teller Machine (ABM/ATM) or Point of Sale payment terminal ('debit machine') to capture data from a payment card and/or Personal Identification Number (PIN); then uses the information to make purchases.

Prevention Tips

In order to minimize your risk of becoming a victim of payment card fraud, follow this advice:

1. Secure your payment cards

1. Keep your payment cards in a secure location.

2. Avoid handing over your payment card to someone when making payment.

3. Notify your financial institution immediately if your payment card is lost or stolen, or if a bank machine appears to keep it.

2. Secure your PIN

1. Never share your PIN with anyone.

2. Create a PIN that does not include your personal or financial account information.

3. Do not write down your PIN. Memorize it.

4. Shield your PIN from any possible camera or someone's view.

5. Wipe all of the keys on the PIN pad after completing your transaction to prevent the use of heat sensing technology from determining your PIN.

3. Secure your payment card numbers

1. Only give your payment card number to someone you trust paying.

2. Do not give your payment card number to someone claiming you have won a prize or lottery, or other 'too good to be true' scenario.

3. When conducting online banking or making any type of purchase online, do not allow a website to save/store your payment card number or password / passcode.

4. Overcome any machine/device tampering

1. Inspect the Point of Sale terminal ('debit machine') or Automated Bank/Teller Machine (ABM/ATM) for any signs of tampering.

2. Tug on the card acceptance slot, and other areas of the ABM/ATM to ensure there is no fake device installed referred to as a false front.

3. A form of tampering of a Point of Sale terminal or ABM/ATM is called shimming. Shimming refers to a fraudster using technology to steal information from your payment card's chip. Tampering may have occurred if your payment card fits too tightly into the card acceptance slot. Stop the transaction, remove and secure your card, and contact your financial institution immediately.

4. Another form of tampering of a Point of Sale terminal or ABM/ATM is called skimming. Skimming refers to a fraudster using technology to steal information from your payment card's magnetic stripe.

5. Check your Statements

1. Be sure to check your statements and online accounts regularly.

2. Ensure all transactions were made by you.

3. Report any suspicious transactions to your financial institution immediately.

For more information on Payment Card Fraud, and to avoid being a victim, visit the Canadian Anti-Fraud Centre, watch a Bank of Canada video, and visit Interac.

# data[].attributes.attachment_link.title
Debit Card / Credit Card Fraud (Payment Card Fraud)

# data[].attributes.attachment_link.description
Debit Card or Credit Card Fraud takes place when a fraudster uses a device to tamper an Automated Bank/Teller Machine (ABM/ATM) or Point of Sale payment terminal ('debit machine') to capture data from a payment card and/or Personal Identification Number (PIN); then uses the information to make purchases.

# data[].attributes.headline
WEBSITE #4: Steps to use to avoid debit card fraud.

# data[].attributes.subject
WEBSITE #4: Steps to use to avoid debit card fraud.

# data[].attributes.body
Investopedia review the forementioned step to prevent card fraud, but it also mentions step to follow if fraud happens to you.  It suggests that a consumer should contact their financial institution immediately if they suspect their card has been compromised to limit the damage a thief can do. They suggest after the immediate phone call there should be a followed-up letter with detailed information of who to spoke to at the bank and details of the transaction you would like to dispute. If NSF fees have be incurred because of fraud , the consumer should ask the bank to restore the monies’ lost to your account.

# data[].attributes.attachment_link.description
Money is becoming more vulnerable to debit card fraud by criminals and hackers. There are nine easy ways to protect individual finances.

# data[].attributes.headline
PICTURE #1: Protect your cards while shopping online.

# data[].attributes.subject
PICTURE #1: Protect your cards while shopping online.

# data[].attributes.body
The picture is an animated yet accurate picture of how easy it is for a scammer to get a hold of your debit card information.  With one click of a button a scammer gets all your account information from an ATM and ultimately withdrawing all your hard earn money quiet easily and the consumer trying to hold go through a long and lengthy process try to retain their money.

# data[].attributes.body
Welcome to our padlet, our names are Tasoan and Nadia and the topic of choice is credit and debit fraud.

Debit card fraud is when thieves and scammers directly remove money from your account. In our padlet we have discussed what is debit card fraud, the signs you should look for, and what you should do if you fall victim to debit and card fraud. In our padlet, we will share steps to follow if you think your card has been compromised and who you should contact for assistance.

# data[].attributes.attachment_link.title
Thats Fraud And Youre A Criminal David GIF - Thats Fraud And Youre A Criminal David David Rose - Discover & Share GIFs

# data[].attributes.body
1. What did you learn about your topic that surprised you the most?

What we learned about our topic that surprised us the most is how easy it is for someone to gain access to our personal information such as bank accounts, credit card accounts, social insurance numbers and so forth just by the click of a bottom.

# data[].attributes.headline
PICTURE #2: Examples of a pin pad with and without a skimmer.

# data[].attributes.subject
PICTURE #2: Examples of a pin pad with and without a skimmer.

# data[].attributes.body
The picture displayed is an example of what a debit machine looks like with and without a skimmer. A skimmer is a device that is attached to a ATMs or pin pads at restaurants, gas stations, or retail store that collects the card numbers, pins and information of those that swipes their debit card. This is an easy way for scammers to withdraw money out of your account without you noticing.

# data[].attributes.headline
VIDEO #1: Scammers generated over 12,000 clone debit and credit cards and steals thousands of dollars. 

# data[].attributes.subject
VIDEO #1: Scammers generated over 12,000 clone debit and credit cards and steals thousands of dollars. 

# data[].attributes.attachment_link.description
Police in Quebec have arrested 45 people and seized more than 12,000 counterfeit bank cards in raids on an international fraud ring

# data[].attributes.headline
VIDEO #2: Man loses $4,300 from a lobby thief that stole his bank card from his mailbox.

# data[].attributes.subject
VIDEO #2: Man loses $4,300 from a lobby thief that stole his bank card from his mailbox.

# data[].attributes.attachment_link.title
Victim of debit card theft voices anger with TD Bank

# data[].attributes.headline
VIDEO #3: Low interest credit card scam.

# data[].attributes.subject
VIDEO #3: Low interest credit card scam.

# data[].attributes.headline
VIDEO #4: Female scammer opens up a second credit card without owners knowledge.

# data[].attributes.subject
VIDEO #4: Female scammer opens up a second credit card without owners knowledge.

# data[].attributes.attachment_link.title
Credit card fraud made easy | Watch News Videos Online

# data[].attributes.attachment_link.description
Watch Credit card fraud made easy Video Online, on GlobalNews.ca

# data[].attributes.body
2. Provide a real-life example of how this topic is relevant or interesting for you.

In 2019, I was attending a funeral in Brooklyn. After the funeral service I was a bit hunger so I stopped at a local Resturant to withdraw money so I could buy something to eat and I didn't think nothing of it because it had a TD logo on it. When I returned to Canada the following week I get a notification from TD Canada on my cell phone saying they have locked my account and obviously it felt a little weird because "why would my bank send me a text message?". I dawned on my all day so I said "let me give them a call". When I did they informed me that someone tried to withdraw $50,000 USD from my account. In that moment I felt my body getting cold knowing how easy it is for a scammer to gain access to my account, luckily TD has a protection against it so no money or NSF was applied to my account.

# data[].attributes.body
3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

A knowledge that we would pass on to a family or friend is to be careful of your surroundings when withdrawing money as well as if you have the option of withdrawing directly from a teller, do it instead of a ATM. Regarding credit cards and visa debit cards, do not save them on your computer, take pictures or write down your card information on a piece of paper.

# data[].attributes.body
We used this website because this information is derived from the Financial Consumer Agency of Canada and it gives you useful tips on how to prevent debit and credit card fraud and what a consumer should do if they are a victim of debit card fraud. What we found useful is that the website provides a direct link on how to contact the Canadian Anti-Fraud Centre if you feel like you are a victim of fraud and the step you need to complete to file a complaint.

# data[].attributes.body
We used this website because it provides useful best practice guideline to protect yourself and Visa card prevention -trends, phishing, and e-commerce security literature. In addition, the website provides videos lock and unlocking your credit card and what to do if you misplace it.

# data[].attributes.body
The reason we picked this site as it gives detailed information on how to overcome any machine /device tampering.  It gives the consumer detail information how to detect a machine that has been tampered with.  It suggests a consumer should tug on the card slot to ensure there is no fake device installed of false front.  When you use an ABM/ATM terminal and your card fits to tightly into the slot - stop the transaction, remove your card, and call your financial institute. This is referred to as shimming-using technology to steal information from your chip card.  Skimming refers to using technology to steal information from the magnetic stripe.

# data[].attributes.body
We picked Investopedia because it gives way nine ways a consumer can protect themselves from thieves.

# data[].attributes.body
1 . Get Bank alerts- receiving text messages when activity occur on your account
2. Go paperless- will eliminate your bank account information going missing from your bank account
3. Make purchases with your debit card-credit card offer more protection.
4. Stick to ATM Bank machines- they offer better security than convenience store ATMs
5. Destroy old Bank cards- Shred them; old bank cards put your banking information at risk
6. Don’t keep all your money in one place- spread your money through different accounts
7. Beware of Phishing scams- When checking your email or doing business online, make sure you know who you're interacting with
8. Protect your computer and mobile devices- use firewall, antivirus, and spyware.
9. Use a secured network; do not complete transaction online, when in a public place or unsecured line.

# data[].attributes.body
In this video, they displayed the devices that were used to scam Canadians over one hundred million dollars in the past 4 years. They were able to modify pin pads to get the card information to generate approximately 12,000 cloned credit and debit cards along with the pins.

What these scammers did was give a few of their colleagues the cards and PIN to go to the atm and withdraw thousands of dollars.

# data[].attributes.body
The reason why we chose this video was to raise awareness about how easy it is for scammers to have access to our banking information.

Sometimes when we go into grocery stores or ATMs we feel safe because it is a legitimate device at a well-established business, but we also should keep in mind that in today’s day and age anything can be tampered with and scammers are only getting wiser with each technique to steal our money.

# data[].attributes.body
In this video, a thief broke into the mailboxes at a Toronto apartment lobby and was able to steal a brand new TD bank card with the temporary pin. The thief was able to activate the card and withdraw $4,300 from the bank account that the owner was saving to pay the mortgage of his new apartment after his girlfriend was laid off due to covid. After noticing the money was being taken out of his account he was able to bring the surveillance footage showing TD that some broke into his mailbox and gained access to his banking information which they accused him of doing it himself or giving away his pin to the man to withdraw the funds. After multiple appeals, he was refunded the $4,300. After this happened TD change the method of how they will deliver bank cards which were to mail the bank card on a separate day then mail out the pin on another day which is a wise idea.

# data[].attributes.body
What we found useful in this video is that anyone can gain access to your debit card and pin.  I also notice that without proper proof that your card has been stolen it is very hard for the bank to refund you and that’s why it is very important that if you think you lost your card use the lock feature, check your mailbox regularly, keep the receipts of all purchases to report any discrepancies and never share your banking details with anyone.

# data[].attributes.body
This video is an example of how scammers use the “low-interest” credit card pitch to scam people over the phone calling to call from Capital One. Since Capital One is one of the most popular credit cards right now, pretty much everyone has one where they can easily fall into the scam, as well as other popular banks such as TD, CIBC, Scotiabank, AMEX and so forth.

What these scammers do is ask for the credit card number, expiry date and CVC, name, date of birth for verification purposes. The information they received was used to open a new credit card and refinance mortgages. Thousands of Canadians are targeted each day with this scam.

# data[].attributes.body
What we found useful in this video is to never give your credit card, social insurance number, date of birth and address over the phone. If the phone call sounds suspicious, hang up the phone, block the caller and immediately call your credit card provider to see if it was them that contacted you.

# data[].attributes.body
This video is about a Canadian man who found out how easy it was for someone to open a second credit card in his name as well as went shopping and spent thousands of dollars on it. The female scammer was able to spend $19,000 at various Apple stores as well as transfer $10,000 worth of line of credit.

The man in the video has been exposed to not only credit card fraud but also identity theft. The scammer was able to make fake identification cards and bank cards to go inside the bank and withdraw money from the tellers without them noticing.

# data[].attributes.body
What we learned is that you can never be too careful, sometimes the banks do not catch certain suspicious activities so it’s up to us to monitor our cards, subscribe to alert me where you get an alert of every activity on your phone regarding your credit card, make the security questions stronger, do not reuse the same password as well as refrain from using common words or your name in the password. We also do believe that that bank should heighten its security measures to ensure stuff like these doesn't occur.