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Old 09-20-2009, 03:21 AM   #1
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Default Stolen card, chances of getting my money back perhaps?

So last night i stupidly agreed to go to the bar yet again. I had a bad gut feeling, but i figured well a few beers on a friday wouldn't hurt.

I get there and i ALWAYS pull out cash to buy beer, i never charge or leave a tab open on my cards.

Well one thing leads to another and by 1am im fairly intoxicated, but not drunk enough to not of realized that i had lost my card. I contact Wells fargo to inform them that i had lost my card. Considering that these are billion dollar companies you'd think that they wouldn't require you to remember your damn card number just to report it stolen..... Well they did, so i was bounced around for 20 mins till they finally let me threw, and canceled the card. I contacted them maybe 30 mins after i had lost the card, and no i did not file a police report. I didn't even know you could file one for a missing card.

Well this morning i woke up, checked my statements to make sure that everything was in good standing order, and find out that someone had withdrawn $200 from my account! LUCKILY my savings is not tied to the same account or i would of been **** out of luck for the week. But still its $200! And never in my life no matter how drunk, screwed, or completely smashed, would i forget that i even pulled out $200.

So now im pretty pissed off, and i was just informed that i would have to actually go to a bank to have them deal with this.

I'm just wondering if any of you guys have ever had this happen to you, and what do you think my chances are of even remotely seeing some of my money back? Some guys said 0% because it was withdrawn from an ATM and it'll be pretty hard to prove that i didn't actually withdraw the money because it requires a pin. And some others have said that even if i did see any of it back it would take months to be credited back to me.

So far i have very little hope...im just so pissed off, this is the first time EVER i've lost my debit card. And i got screwed bad.

From now on im drinking at home, by myself.

I've been with wells fargo for over 4 years now so im hoping, more like praying to ever known god in existence, that they'll hear me out and side with me.

On a lighter side note i did meet this amazing girl. But still $200 gone.....

Cliffs:
-Card stolen
-$200 bucks withdrawn
-What are my chances of seeing any of my money back?
-Wells fargo is probably going to screw me over hard.
-No i did not drive home drunk.
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Old 09-20-2009, 03:25 AM   #2
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Default Re: Stolen card, chances of getting my money back perhaps?

debit, check, or credit card?

all 3 are different and each have their own level of security measures.
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Old 09-20-2009, 03:29 AM   #3
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Default Re: Stolen card, chances of getting my money back perhaps?

still sucks. btw thus the reason i closed out my checking acct. Cash and a savings acct is all anybody should ever need. i had my old card stolen out of my wallet by the time i cxld it 1700 had been charged... allthough i did get all of it back because of a seurity camera at the store the guy bought a big screen tv from...chk with wells about security cameras at the ATM most new ones now days have cameras built in...
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Old 09-20-2009, 03:30 AM   #4
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Default Re: Stolen card, chances of getting my money back perhaps?

bump
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Old 09-20-2009, 03:34 AM   #5
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Default Re: Stolen card, chances of getting my money back perhaps?

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Originally Posted by TSPADE View Post
still sucks. btw thus the reason i closed out my checking acct. Cash and a savings acct is all anybody should ever need. i had my old card stolen out of my wallet by the time i cxld it 1700 had been charged... allthough i did get all of it back because of a seurity camera at the store the guy bought a big screen tv from...chk with wells about security cameras at the ATM most new ones now days have cameras built in...
NO.

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bump

and...NO.
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Old 09-20-2009, 05:34 AM   #6
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Default Re: Stolen card, chances of getting my money back perhaps?

Somebody stole your card and also had your PIN?
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Old 09-20-2009, 07:05 AM   #7
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Default Re: Stolen card, chances of getting my money back perhaps?

I think your chances of getting your money back is pretty high, if you file a claim and this isn't a recurring habit.
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Old 09-20-2009, 08:11 AM   #8
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Default Re: Stolen card, chances of getting my money back perhaps?

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Somebody stole your card and also had your PIN?
This. And if you look at the statement, does it tell you where it was withdrawn from? If it was from a bank, they always have cameras and can check at the time that it was taken out that it wasn't you. I mean it coulda been your friend, but hey....figured you could check.
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Old 09-20-2009, 08:36 AM   #9
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Default Re: Stolen card, chances of getting my money back perhaps?

It was a loaded bar, dark, and buttloads of people, anyone of them could of seen me typing in my pin just by walking by. Trust me i've tried to figure it out but i just can't remember who and who was there. And it couldn't of been the guys i were with, i was with my cousins and those guys would literally give me $200 to help me out rather then steal it from me. I really trust those guys.

What even worst/odder is that its not even $200 even. Its $201.xxx, but it was pulled from an ATM, and you can clearly see in the picture that its not the same on from the bar, different number but same street. Theres only one machine in this bar. I know some machines charge a fee for using their atms but never something as uneven and odd and $1 and some change.

You can see i pulled out $20 bucks, got charged $3 for using the machine, then pulled another $20, and got charged another $23. Then BAM $201.97 withdrawal....makes no ****ing sense to me.

And this is the very first time i've ever had to deal with **** like this. i've dropped my wallet once and luckily found it, but then i usually only kept enough in my checkings account to buy enough junk food for 3 days or so.

Oh and it was a debit card.
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Old 09-20-2009, 08:40 AM   #10
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Default Re: Stolen card, chances of getting my money back perhaps?

its 201.xxx probably because the guy withdrew 200 and the rest is service charge.
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Old 09-20-2009, 08:47 AM   #11
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Default Re: Stolen card, chances of getting my money back perhaps?

You got that drunk on $40, that bar must have cheap drinks.

On the other hand go to the address of the odd withdrawal and see is you can look at the security tapes.
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Old 09-20-2009, 08:47 AM   #12
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Default Re: Stolen card, chances of getting my money back perhaps?

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its 201.xxx probably because the guy withdrew 200 and the rest is service charge.
True, but a service charge isn't usually $1.97. It's like some even amount, sometimes to the 50 cent mark.

I know what it is....I think.

Maybe it was a local convenience store where you're allowed to buy a pack of gum, and when you're charged, you have the option of also taking out money at the same time. The cashier then gives you whatever you want. I don't think you're asked for a PIN in that situation. Maybe that's it? Perhaps the guy knew of a place like that nearby and went there right away.
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Old 09-20-2009, 09:03 AM   #13
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Default Re: Stolen card, chances of getting my money back perhaps?

But it does say ATM. I was thinking maybe a hold placed on the account like when you pay for gas with a debit card, and they put a $100 or $75 hold on there for a few days.
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Old 09-20-2009, 09:09 AM   #14
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Default Re: Stolen card, chances of getting my money back perhaps?

You're SOL if he had your PIN #
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Old 09-20-2009, 09:16 AM   #15
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Default Re: Stolen card, chances of getting my money back perhaps?

Quote:
Originally Posted by 82Lude Man View Post
You got that drunk on $40, that bar must have cheap drinks.

On the other hand go to the address of the odd withdrawal and see is you can look at the security tapes.
I had some cash on me already. its just i ran out, and pulled some money, that and my cousins i were with were buying drink too. I was drunk , but i wasn't drunk enough to not remember that i had lost my debit card and i IMMEDIATELY tried to cancel it.

This was all between maybe a 30 mins span MAX, it would of been quicker but like i said Wells fargo required that i had either my checkings account number, or my debit card number to even report that i had my card stolen. I had to call their financal loan district or something along those lines to even be rounded to someone who could cancel the card.

And how would i even go about figuring out which atm it was, the street i was on is long, and loaded with multiple bars, 24/7 stores, and so on.
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Old 09-20-2009, 09:35 AM   #16
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Default Re: Stolen card, chances of getting my money back perhaps?

Google is your friend.

You were at the Pallas Club and the other withdrawal was at the Plaid Pantries. Which was 267 feet away from where you lost the card.

Pallas to Plaid
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Old 09-20-2009, 01:28 PM   #17
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Default Re: Stolen card, chances of getting my money back perhaps?

Don't deal the with 1-800 number, they will give you nothing but a run-around and a headache.

Go to a branch, sit with a banker, and have them call and file a fraud claim for you. The fraud claim takes anywhere from 2 days to 2 weeks, the fraud department will investigate what happened and as long as the card was really stolen, you will get your money back. File a police report if you can, it helps make you look better during the investigation.

Do NOT let the banker close your account and open a new one. As long as your card is cancelled, your money is safe. Bankers are supposed to open a certain number of accounts every month, so they will always try to make it sound like a good idea for you to open a new account, but in this case all you need is a new debit card, your account should be fine.

What I'm wondering is how the person managed to withdraw from an ATM...don't you need a pin number to do that? Is your pin written on your card? I'd highly suggest filing the police report because I bet the fraud department is going to give you a hard time about the pin number.
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Old 09-20-2009, 01:38 PM   #18
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Default Re: Stolen card, chances of getting my money back perhaps?

the thieves didnt have your pin, they just needed your zip code and ran your atm as a credit card.

you can't get your money back. sorry
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Old 09-20-2009, 01:41 PM   #19
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Default Re: Stolen card, chances of getting my money back perhaps?

Just make about 70 more ATM withdrawls and you'll be out $200 anyways. ATM fees FTL
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Old 09-20-2009, 09:11 PM   #20
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Default Re: Stolen card, chances of getting my money back perhaps?

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the thieves didnt have your pin, they just needed your zip code and ran your atm as a credit card.

you can't get your money back. sorry
1) if they ran it as a credit card, it wouldn't show up as an ATM transaction, it would show up as a POS transaction
2) the bank will reimburse money that is fraudulantly taken from your account, i would know because i work at the bank and i see this **** every day.

for the spread of misinformation
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Throw a book across the courtroom and ask the officer to tell you how fast it was going. If he can't tell you the exact speed without using a radar or laser gun then case should be dismissed imo.
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Old 09-20-2009, 09:18 PM   #21
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Default Re: Stolen card, chances of getting my money back perhaps?

...and why would plaid pantry give someone $200 cash? most of those little stores have a limit of 10 or 20 bucks. i don't get it...
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Old 09-20-2009, 11:53 PM   #22
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Default Re: Stolen card, chances of getting my money back perhaps?

100%

I think stand alone ATM machines carry a small camera when you withdraw so they record or snap a picture.
If it was withdrawn at a Wells Fargo bank, do most of their atm have cameras installed? If so you will be reimbursed within a few weeks after an investigation has commenced and been completed.
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Old 09-21-2009, 12:53 AM   #23
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Default Re: Stolen card, chances of getting my money back perhaps?

A lot of bank nowadays have zero liability on fraudulent uses of debit/credit cards....you should try asking about that at your bank.
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Old 09-21-2009, 12:54 AM   #24
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Default Re: Stolen card, chances of getting my money back perhaps?

it could have been one of those "machines" where it steals your information and there is a camera somewhere to watch you type your PIN in.
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Old 09-21-2009, 03:25 AM   #25
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Default Re: Stolen card, chances of getting my money back perhaps?

drink at home bring the hoe's home
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