Scams

Help me figure out how my mom is getting hacked?

I’m sorry for any formatting issues. My mom has a bank card that her social security is deposited on. It’s one of those mobile banking cards that has no associated checking account or physical location. About 2 years ago she had a bunch of charges show up such as Starbucks in N.J. She cancelled the card and after a lengthy process they refunded her money. I told her not to use her card at gas pumps or give it to anyone. All was good until last Feb when someone bought over 400 of robolox purchases. Again card canceled/fraud case initiated. We get her a new email and update all her passwords on everything (banking, Walmart app etc. I tell her not to put this new card number in her phone at all. She cancels her Amazon and iTunes. Again tell her don’t use at pumps etc. Few months later it happens again. Someone shipped a car part to Austria evidently. So we factory reset her phone at someone’s suggestion. She gets another new email. She uses cash for everything except her automatic insurance payments. All is fine for about 5 months then yesterday someone bought a subscription to the peacock channel and something on the roku channel. She has a roku but she has no stored payment option in the device nor was the peacock channel on her device. Also her roku is linked to her old email so I have no idea how someone could have her new card number . Or why they’d buy something so random on her card. Am I missing anything? I’ve told her we just have to switch her social security to paper check and her have no card. I’m not sure what else to do. I’m so mad this keeps happening and we can’t figure it out. The card does not have an automatic card lock option. But we did have alerts for any purchases. They also told us that it was set up to now be locked for online purchases but the charges still went through.


The content was posted by mskmcclure on 2021-07-08 11:58:49 via reddit

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2 Comments

  1. Freeze. Her. Credit. & get a report.

    Seriously. Use the damn option because the US banking system is so full of holes it aint even funny.

    Start using 2FA.

    Change ALL passwords on ALL accounts, use a tool like lastpass if needed to remember passwords.

    And finally, if her card details still end up with someone else after that, that someone else typically is someone close. A relative, the cleaning lady, the neighbors etc… OR she is using a malicous app/website that just blatantly steals from their users/resells their data. This is highly unlikely.

  2. >My mom has a bank card that her social security is deposited on. It’s one of those mobile banking cards that has no associated checking account or physical location.

    She has her SS put onto a prepaid debit card that is not associated with an actual bank checking or savings account. OK, I get that part.

    >I told her not to use her card at gas pumps or give it to anyone…Again tell her don’t use at pumps etc…She uses cash for everything except her automatic insurance payments.

    But this is the part that confuses me. You appear to be claiming that you have told her not to use the card, but she must be using the card to make purchases (otherwise she would have no way to access the money on the card), and THAT is presumably how bad actors are getting her card number. Alternatively, she is telling someone about the card number, or someone has access to it (like someone who comes in to clean her house and sees it on the counter, etcetera).

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