The Better Business
Bureau of Metropolitan New York is telling consumers that even if you’re choosy
about which ATMs you use, you can still become a victim of identity thieves who
place seamless devices on machines to steal debit card information. ATM skimming
is a growing problem and the Better Business Bureau of Metropolitan New York
recommends consumers take a few steps to protect themselves from becoming the
next victim.
According to
Bankrate.com, ATM skimmers are close to reaping $1 billion annually from
unsuspecting consumers. Javelin Strategy & Research estimates that one in
five people have become victims.
Identity thieves
tamper with ATMs in any number of different ways in order to steal debit card
numbers and PINs. It only takes a few seconds to install cameras over the
keypad or a device over the card reader. ATMs aren’t the only hot spots, credit
card swipers at gas pumps and retailers can be tampered with as well.
“Skimming devices are
becoming increasingly harder to detect and often blend in seamlessly with the
ATM,” said Claire Rosenzweig, President and CEO, BBB of Metro NY. “It is
important to monitor your accounts closely so you can quickly detect any fraudulent
activity on your card and minimize your losses.”
Following are a few
ways to fight identity thieves at the ATM:
Protect your PIN – When entering your PIN, cover the
keypad with your other hand to prevent any cameras from catching your digits.
False keypads placed over the real keypad are also a way scammers get PIN
numbers so if the keypad looks different, move on.
Give it a wiggle – Skimming devices are often false panels attached to the
ATM—such as where you put your card into the machine. If parts of the ATM look
damaged or different, give it a wiggle. Also look for new or suspiciously
placed cameras and unusual signage. Don’t hesitate to walk away and use another
ATM if it doesn’t feel right.
Be picky with your
ATMS – Avoid using ATMs in poorly lighted or
low trafficked areas. Experts often recommend choosing a bank ATM over
standalone ATMs in public places. Not only do identity thieves attach devices
to legitimate ATMs to steal numbers. They will also place their own phony ATMS
in public places.
Keep an eye on your
statements – The most vigilant
person can still fall victim to ATM skimmers, and it’s important to always keep
a close eye on your accounts—particularly the itemized breakdown of charges and
debits—so that you can quickly report any suspicious activity on your account.
Report Fraud
Immediately – Report any
fraudulent activity to your bank as soon as you discover it. Consumer
protections for debit cards vary but depend largely on when you report the
fraudulent activity. If you wait too long to report the fraud, your bank
account could be cleaned out and your bank might not reimburse you.
