You have been scammed and your personal identity is at risk — here is what to do about it.
1. Contact your bank. Even if your bank alerted you to the problem, you will want to ensure that your account is not compromised further. Verify that the fraud has been identified and that your bank has taken the steps necessary to ensure that you experience no further loss. Learn what steps you must take to recover your loss and to obtain a new card.
2. Notify the police. Contact your local police department to file a report. You may be able to fill out a form online or you may be asked to go to the police station and fill out your report there.
3. File your report. Fill out your report and provide detailed information about the crime. You will need to give your name, address and contact phone number and offer details of the crime. Explain where the ATM was located and offer details of the incident. For instance, if the machine kept your card, share this information. Give the police the name and phone number of the bank contact person that is handling your case.
4. Get a copy of your report. Once you file your report, you will be given a report number and instructions on how to pick up your copy. Expect to be contacted by the police as a follow up. Your bank or insurance company may want to see a copy of your report too.
5. Contact your credit bureaus. If you believe that your personal information has been compromised, contact all three credit bureaus and have a note placed in your credit file. Much information is printed on an ATM magnetic strip including your Social Security Number. Assume that more information about you has been obtained, then just your money. Let Experian, TransUnion and Equifax know that your identity may have been compromised.
Monitor your credit reports to ensure that no mischievous activity has taken place since you were defrauded. You can tell the credit bureaus that no new credit accounts may be opened in your name without your approval. You may be responsible for the first $50 of your loss, but you could be responsible for more if you do not report your loss immediately notes the ATM. Learn more about ATM skimming.
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