Police suspect debit card fraud happening in local restaurants

by Kelli Cheatham (kcheatham@wsbt.com)

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Paying with credit cards at the cash register

(WSBT file photo)

By WSBT News1

LA PORTE COUNTY — How often do you use your debit card at local restaurants, grocery stores or gas stations? Police in La Porte County say debit card fraud has increased 75 percent over the last year, and they're having a tough time catching the thieves.

La Porte County Deputy Andy Hynek said he noticed $2,800 missing from his checking account when he checked his statement online about two weeks ago.

"I still don't know where they got my information," he said. "I'm assuming it was local."

Detective Brian Piergalski says Hynek is the second La Porte County officer, and one of several local victims of debit card fraud. Police think it's happening at local restaurants and gas stations.

"Even though people have possession of their debit card still, their card numbers are being retrieved," said Piergalski.

Once the credit card number is stolen, the thieves sell it to someone else. Detectives say that number is then used in other states, even other countries. And it all happens very quickly.

"Almost simultaneously," Det. Piergalski told WSBT. "As soon as somebody obtains those numbers, if they have computer access or they know somebody they can give those numbers to, it starts the ball rolling."

Deputy Andy Hynek entered his debit card information into a national computer database. Hours later, detectives in California arrested four men for using Hynek's debit card number.

Still, Hynek said he feels frustrated and violated.

After all the time spent sorting it out and getting his credit back on track, Hynek told WSBT he's now using his credit card more than his debit card.

"The logic behind that is if they're going to get your information, at least they're going to steal and get somebody else's money rather than your own money," said Hynek.

La Porte County police say they haven't caught anyone stealing the debit card numbers locally, but they're actively investigating and communicating with other departments both locally and around the country.

To keep yourself safe, police say you should always carry some cash. That way you're not always relying on a credit or a debit card to pay for something.

Plus, never let your debit card leave your sight. Investigators believe some of the thieves are swiping the cards onto a device that copies the magnetic strip. If you are always with your card, that is less likely to happen.

Thursday, May 1 at 4:37 PM conformist wrote ...

This story has pretty much put an end to my habit of using my cards. I can't afford to have someone take even 50 bucks from my account. That would make the difference of not being able to pay the rent. Criminals are absolutely convinced that the rest of us have it good because we have a magical unending supply of money which they some how got screwed out of.

Thursday, May 1 at 3:02 PM Enough Is Enough wrote ...

This type of stuff been going on what took you so long to start paying attention to others.You cant trust anyone

Thursday, May 1 at 10:59 AM Mishawaka wrote ...

This happen to my husband at a gas station in south bend when the clerk took his card she wrote down his number and then ran a whole bunch of charges from the gas station...not too bright. I asked my husband how he could go to the gas station 4 times in one day and spend over a 100 dollars each time. Needless to say the clerk was arrested and charged. Just beaware of giving people your card.

Wednesday, Apr 30 at 2:42 PM Jason wrote ...

PROTECT YOURSELF! Find out what your banks policy is in regards to fraudulent charges. That is the only true way to protect yourself. Larger banks offer more protection than smaller banks and credit unions. Chase Bank for example has a zero liability policy that you get in writing. Both for credit card and checking accounts. Fraudulent transactions will be put back into your account within 48 hours of you reporting it, then they investigate the claim to make sure you have access to money.

Wednesday, Apr 30 at 1:06 PM Anonymous wrote ...

well, why dont the brillient police do something about it, they got all the answers." to protect and serve."

Wednesday, Apr 30 at 12:15 PM Will wrote ...

In the case at Red Lobster. The person you give the card to to pay the bill could have scanned the card and made note of the 3 diget # on the back. Or they could have somehow pulled it from the Red Lobster system. After scanning the card the waitress would type in the 3 digit code. They would then have all the information.

Wednesday, Apr 30 at 11:17 AM ANON wrote ...

Everyone in plastic nation, the time to panic is now! This is why I continue to use cash for all of my transactions.

Wednesday, Apr 30 at 11:07 AM Kirk wrote ...

My parents, and family friends within the last two weeks had this happend to them with their credit cards at the MC Red Lobster Restaurant. Both paid for their own meals with their own credit cards. Both card within the next twelve hours started getting charges from the east coast cities. In both cases the credit card company put a hold on the credit cards because the spending pattern was not considered normal.

Wednesday, Apr 30 at 11:00 AM Billy Boy wrote ...

Even if thieves steal your number from your debit card, they cannot use it online without the 3 number pin from the back. Its a security code that EVERY pay website asks for. The only way I see them getting away with this is by actually obtaining the debit card by theft. Thats the only way they could use it then, since most places don't check ID. My debit card is signed "SEE ID", and that rarely happens.

Wednesday, Apr 30 at 10:34 AM Hoosier mom wrote ...

The reason to use credit and not debit cards is that on a credit card you have zero fraud liability, meaning you're not responsible for ANY fraudulent charges. Debit card fraud is a lot harder for you to recover since it's your cash from a checking acct and it can take weeks to get the money back into your account, while fees may be adding up in the meantime. Using your debit card as credit is still the same rules as a debit with PIN by the way.

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