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mcnuttz said:
Trying to figure that out now.

The store is a 10 minute drive from his house so he either works there or has a friend.
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This sounds like a good scenario for information gathering. You find the store and a list of employees working that day, I'll bring the plyers and a blow torch.
 
mcnuttz said:
Wife's debit card.
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Did the party have the card or did he just have information on it. There is a reason I am asking. One instance the liability is treated differently. The other is fraud.
 
L.T. Fan said:
Have you discussed this with your bank?
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I think I am getting the sense that there was no transaction with Home Depot rather the information was obtained through their records. If this is the case the approach you take for recovery will be different. I spent nearly 30 years in banking and 16 years as an investigator for FDIC.
 
L.T. Fan said:
I think I am getting the sense that there was no transaction with Home Depot rather the information was obtained through their records. If this is the case the approach you take for recovery will be different. I spent nearly 30 years in banking and 16 years as an investigator for FDIC.
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I don't see how Home Depot would have any records on his banking information. I'm guessing he either works there or has a friend who does and rung up some high profile items to see if the card would go through. Probably in the tool rental department where the card is never actually charged.
 
Deuce said:
I don't see how Home Depot would have any records on his banking information. I'm guessing he either works there or has a friend who does and rung up some high profile items to see if the card would go through. Probably in the tool rental department where the card is never actually charged.
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Home depot has a data base and it likely has card numbers that have been swiped . All that info is compiled and stored. Recently their data base was hacked and thousands of customer records were breached.
 
L.T. Fan said:
Home depot has a data base and it likely has card numbers that have been swiped . All that info is compiled and stored. Recently their data base was hacked and thousands of customer records were breached.
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Correct. Unless they use a third party vendor like authorize.net to store and process the CCs, they have to store them for a short amount of time, at least.
 
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L.T. Fan said:
Did the party have the card or did he just have information on it. There is a reason I am asking. One instance the liability is treated differently. The other is fraud.
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He did not have the card, and we're not sure how he got the number.
 
L.T. Fan said:
I think I am getting the sense that there was no transaction with Home Depot rather the information was obtained through their records. If this is the case the approach you take for recovery will be different. I spent nearly 30 years in banking and 16 years as an investigator for FDIC.
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Yes, we've spoken with the bank and they've provided us some information as well.

I would like to hire you, LT.

Will you take my case?
 
L.T. Fan said:
Home depot has a data base and it likely has card numbers that have been swiped . All that info is compiled and stored. Recently their data base was hacked and thousands of customer records were breached.
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I believe this to be correct.

This is the way most places are getting hacked. Why do they need a database with our debit card information?

Once you pay for something and it clears, your debit card info should be wiped from their system.

There is no need to store the info, even temporarily.
 
mcnuttz said:
I believe this to be correct.

This is the way most places are getting hacked. Why do they need a database with our debit card information?

Once you pay for something and it clears, your debit card info should be wiped from their system.

There is no need to store the info, even temporarily.
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They use the debit card information to get to your checking account. If you have the account number then you can utilize it as a debit or credit transaction and bypass the PIN.
 
mcnuttz said:
I believe this to be correct.

This is the way most places are getting hacked. Why do they need a database with our debit card information?

Once you pay for something and it clears, your debit card info should be wiped from their system.

There is no need to store the info, even temporarily.
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The information may in fact need to be wiped once the transaction is complete but apparently the retailer captures the account number and keeps it.
 
L.T. Fan said:
The information may in fact need to be wiped once the transaction is complete but apparently the retailer captures the account number and keeps it.
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This is the problem that needs to be addressed.

Companies do not need to store their customers' debit card details.

It has to start somewhere.
 
mcnuttz said:
Yes, we've spoken with the bank and they've provided us some information as well.

I would like to hire you, LT.

Will you take my case?
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What recourse if any did the bank say you may have. It probably wasn't good news because this is like stealing directly from you. I suggest that you enjoin the class action suit mentioned in the article I posted the link on. As to my taking your case I assume that was in jest. Besides I am not equipped for that anymore. This apparently is part of a group in Europe behind all this. Another reason to check into the class action because the legal staff handling that will be working with the Investigative task force.
 
One other thing take Home Depot up on their offer to provide identify theft coverage etc. because this could reoccur. That coverage will take care of legal expenses and other things as well. For anyone on the forum, if you do not have identity theft coverage I would look into it either with your credit card company or even your insurance company. They can write some riders onto existing policies for this.
 
mcnuttz said:
I believe this to be correct.

This is the way most places are getting hacked. Why do they need a database with our debit card information?

Once you pay for something and it clears, your debit card info should be wiped from their system.

There is no need to store the info, even temporarily.
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It only holds it for seconds, unless they hold CC info for returns and such which changes their PCI compliance requirements. Even without that they still have to hold it for the few seconds it takes to approve the transaction. Some companies aren't nearly as encrypted as others and hackers can snag info if they really know what they're doing. They actually tap into the swipe at the register and get it that way. It's supposed to be encrypted, but if it's not encrypted to enough levels it can be gotten and decrypted.
 
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