Police: Fort Lauderdale waitress charged thousands to diners' credit cards
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- เผยแพร่เมื่อ 4 ม.ค. 2024
- Authorities arrested a former waitress at a Fort Lauderdale restaurant Tuesday after they said she charged diners for far more than just their meals.
This is not a waitress, this is a thief!
but she doesn't ignore or steal people's hearts, she answers the door.
@@MarkGaliciaholland All the customers are heartbroken, so she has stolen their hearts.
Exactly!! People always making excuses for……. Yea she’s a THIEF!
She’s a demon.
Worse, a woman..
Might be the first time I've seen the suspect actually answer the door when the news stopped by. 😆
Big Bopper 🎶"Come on Over Baby. Whole lotta 💳 swiping going on..." 🎶 🙄
@@mondocjenson-dy8zdling ling just took me shopping
Probably thought it was one of her John’s because she still needs to pay rent lol
😂😂😂😂😂😂😂yessss I was so surprised!!
For a sec it looked like she was going to talk to the reporter 😂
I got ripped off at a restaurant a few years ago by someone. I was able to cancel all of the fraudulent charges, but I KNEW exactly when and where my card was compromised.
Had the same problem after I visited the upscale restaurant a few years ago. Crazy people
Me too….they purchased sneakers, etc. I knew exactly when and where it happened. I definitely don’t let my card out of my sight especially after that. I didn’t have to pay the charges.
Right to phone. By law bank has to pay you back. Watch out for gas stations fast food where all the illegals work. I pay all cash
This is classic example of why cash is so effective and should NEVER go away. You can’t go wrong by paying with cash. That’s all there is to it.
You can so easily dispute these charges with credit cards nowadays, at least if you have the right ones.
America is very slow to adapt, I haven't used cash in 20 years and for the last 2-3 years not even a card, but my watch as everything is wireless.
@@Luka_Tim
Are we supposed to be in awe of you or something? 😅
@@gr5382next theyll be suggesting we just get a chip in our hands. A watch can be mugged too. Its called life is risky!!!
@@gr5382 I have good credit and im not poor , and i ALWAYS use cash .
As much trouble as she had to know she was in and she was still answering the door at her residence? She could have ended up facing an angry victim...
The credit card companies and insurance obviously cover those charges. It’s 2024 bruh. 😂
@@AlanSmith88888Sure, if people use the majority of credit cards, many people these days, use visa/mastercard debit cards, that don't have the same protection.
@@AlanSmith88888 Have you ever had your credit card stolen/used like this?
I'm sure she had a knife on the other end of that door lol
@@AlanSmith88888 True, but they will do everything in their powere not to pay. its 2024 and no one reads terms and service's anymore. just like state farm and allstate, they will find any reason not to pay on a claim.
she opens the door thinking somebody is bringing her money
Chris Hansen did a sting lottery operation and some Lottery Clerks failed the test. Chris came back and interrogated one of them and the guy was happily smiling at first, thinking Chris was there to promote his store on TV. His smile quickly faded and turned into a troubled frown as he slowly realized he was in big trouble. He got arrested and sentenced to jail and probation.
It's always amazed me in the US that they take your card away to make the payment. For 20+ years we have been told in there UK to never let the card leave your sight to help prevent skimming and unauthorised transactions.
There is a major difference between POS in the US and POS machines around the world (especially EU). The requirement for POS at restaurants in EU countries is for the POS machine to capture chip info from credit card as well as PIN. In the US, since they began credit card processing many many years ago they went with physical signature and later as it became available they added chip info. You cannot have a handheld device brought to the table that captures customer signature. ONLY PIN number. This will be slowly changing as the devices getr better and smarter.
So the bottom line is NO, the US banks are not behind the EU ones when it comes to technology.
@@AB-jz9ns There is something wrong with your logic - the EU had signature credit card processing for decades prior to chip and pin as well. We didn't just get credit cards when chip and pin came along, we had had them for at least 20-30 years prior with just signatures. I remember the days of the carbon paper slip credit card processing. It's just that the UK & EU banks mandated the Chip and Pin roll outs in the early 2000s.
@@jca111I never said that Europe did not have credit cards requiring signatures. Everywhere on the planet that used the old mechanical way that captured the card impront required a signature. My poiunt is in regards to POS machines. When those became available, meaning when the merchants first had the ability to receive a transaction validation code on the store premises the US went with a chip and signature requirement while europe and elsewhere they went with chip and PIN. This is not a secret , there have been many articles written about it. Also, to be historically correct the credit card as a means of payment was started in the US in 1950. It took 15-20 years for Europe to start using them. Chip and pin started around 1990 in Europe and in tghe US around 2015. That 15 year difference shows you why in the US you still have many restaurants taking youir credit card. In europe, credit card use between 1970-1990 was nowhere near as high as in the US! Thus ehen banks started issuing credit cards to the masses in the 1990s they already had chip and PIN.
My friend worked at a Pizzeria/Italian restaurant and he told me of a worker who was making a few bucks every now and then. For example, if the bill was $45 bucks and the customer left a 10 dollar tip, she would go back and change the tip from 10 to 11. Very minor changes. She didn't caught for several months until one day she did when she took it overboard by testing her luck. She doubled the tip. Customer came back angry, police were called, and she was fired. I don't know what happened afterwards. I heard that she got lucky because she didn't do this for long, didn't steal that much, and was charged with petty theft since it was under 500.
Greed wins in the end😅😅😅😅😅😅😅😅
Smart. And yes , when she doubled she got greedy. People won’t bay an eye to a dollar or two but double the tip is a significant change to anyone paying attention
Someone at the restaurant where some of my family members work got arrested for replacing real money with counterfeit. Stealing would have been bad enough, but now they have a felony counterfeitting charge, too (rather than a misdemeanor).
And this is why cash should always be an option.
Sadly a lot of places are taking that option away due to risk of being robbed.
CBDC is coming. Don't worry, you won't be able to make a step without being monitored.
Or just do what every country in the world does, except the US.... bring the mobile card reader to you... and charge your card and give you the receipt RIGHT IN FRONT OF YOU.... even Colombia does this. US so advanced? lol no.... other counties have been doing it the right way for like 20 years.
Bitcoin, that’s the future of payment. No robberies, unauthorized charges or handing your card over
@@Whydidyouusemyname LOL, its the opposite of Bitcoin is the epitomy of a disastrous financial future. No ability to refund, incredibly expensive gas fees, people swapping out QR code to different wallets, unstable currently fluctuations. That isn't something for the masses. Also, I still use Bitcoin myself btw for certain things but calling it the future of payment in something like a restaurant is a reach.
Freaking depressing to see a reporter at the criminal’s home, why isn’t she in jail?
I'm a woman. I do what I want.
She is a democrat
She’s a woman and men are idiots that come to the rescue. I’m sure she’ll get a pass cause she’s an attractive female and cucks will not mind.
@@itsgreat7150 What? Women go to jail and prison all the time.
Out on bail and awaiting trial most likely.
Don’t ever go anywhere where you have to give your card to a stranger and just “trust them”.
No big deal. You cannot be held liable for the charges.
Just pay cash! Cash is King.
So like, every restaurant then??
@@JohnSmith-xx9th If you use a debit card, it might be hard to get the money back.
i live in 🇬🇧 and will never hand my card over to anyone.
One thing that saved me a number of times when accepting credit cards in a position where I needed to scan them was asking to see a person's ID.
I’m dying laughing . How do you say to her “we want to give you an opportunity to talk about your arrest” then say “did you steal money from patrons at the store” that was cold 😂😂😂😂😂😂
they were so polite, I don't know why she refused
That was cold and funny!😂😂
@@MarkGaliciaholland😂🤣😂🤣
Yea I’ll be out in just a minute; to run it to ya lemme grab my pants. 💀😭
Her whole vibe was "I'm guilty as sh*t, but thank you for asking" as she slow slams the door 😂😂😂
I guess she thought she was entitled to other people's money. Typical
How are you holding up sir with so many charges against you. I guess you are ok when you have time to comment on here.
And hes still the goat. @@tino6846
@@tino6846 Missed your meds again I see...
Yes!!! She came from a Socialist/Communist country! Guaranteed!
@@secondchance6603 Just a joke what a cretinous silly little man you are wait a minute you sure you’re not Trump?
I ordered food at a Dairy Queen and the cashier took my card to a reader in their drive-through after claiming the reader at her register didn't work. She was out of sight and I suspected she was up to no good. Unauthorized purchases began appearing on my card within hours.
Reminds me of the infamous Starbucks credit card thief who claimed she needed receipt paper and walked off with the credit card and took a picture of the Customer's credit card and soon spent $212 at a grocery store. The Customer got an alert on her phone saying she spent $212 at the grocery store. Customer was furious and went back to Starbucks and told the thief off and got her to confess she stole from the Customer. Credit card thief got fired.
I recently had it happen to me. Right after a restaurant visit I had charges on my card. Had to cancel it. Can’t prove the restaurant did it but it’s the only place that took my card out of my possession..
Crazy people do this just to buy expensive and unnecessary crap.
IN FLORIDA THEY DO IT TO BE ABLE TO LIVE THERE!!
@@DoubleDownscumunpatrioticmagat😂
It’s either that or starve on the pathetic minimum wage in Floriduh. 😂
You an expert on the criminal mind, Ms. Columbo?
@@edub9716 - I've made large sales to people who were later found to have stolen the money that was paid. Yes, they will buy random, expensive, often overpriced things. Clothes, purses, makeup, vacuums, routers(That they don't even know how to use), lottery tickets is funnily a big one. The sad part is, it is often not from random people like in this video. It comes from people they know; Family, friends, work, and often a combination of those, where they are allowed access to assets of family and friends who have businesses the thief wouldn't have otherwise been qualified to work at.
This is why I never go out to eat unless I have cash. Handing your credit card to someone to walk away with is just crazy
I agree with you..100%
Its asking for something to happen 😂
Yes amen cash is good cash cash
I just pay in bitcoin
This is why I barter in 2024
Wow. I never let my card get out of sight. Amazing people still do that.
And she really thought no one would notice?
Why isn't this criminal in jail?
Modern justice system
A woman
Bonded out maybe?
Put her behind bars for 10 years at least.
I think that's a bit steep. I'd say give her a chance to pay all her victims back three fold within a week. If she can't...3 years.
No crime even occurred because she's a woman
They dont even give that to murderers (now days)
Its fraud, the criminal justice system doesn't really look at it as a problem, since the credit card companies just raise interest rates to cover their losses.
@@mikemiller659thanks for that untrue statement 🙄
I don’t understand how people like this think they can get away with it. Anything digital is easily tracked.
Why do people think they can get away with this stuff? It's so obvious
Why is she at home and not in jail?
She got out on bail,,,with a credit card
This is the very reason why I always use cash on the rare occasion I
eat at a restaurant.
yep me too
Sure it is, Mike.
Do you ever eat at the Y ?
Right..them walking off off the CC is the problem.
I always have one card that I pretty much only use when dining out unless they have Apple Pay or portable pos (point of sale) devices. That way if something happens, just cancel that card and report the issue.
💰 ~ My grandmother just had her card stolen and a whole bunch of tools stolen from her house by a woman she hired to do some work around the house. The cops came out and said there’s nothing they will do about it they’re not gonna take the time to figure out who it was, and that’s even though my grandmother knew exactly who it was. And my grandmother said what about the tools that were stolen right here in this county, and she showed them a text message from the lady admitting she had taken the tools. And they said that they can’t be sure that The thief is the one who stole the tools even though the text message came from her phone, maybe somebody else sent a text message. Just seems like they were doing anything they could to get out of doing work. And she lives in a rural county not a big city. I’m wondering if big cities actually care more about this stuff, or maybe it just hit and miss.
Oh your grandmother had to do is take her to court she has the prove
So why is she currently not in jail waiting for her court date? It has already been proven that she is the one who stole from her customers. No one should be allowed to be free to live like she is doing now. What a slap in the face to the ones she stole from .
She used those ill gotten gains for her bail money
Not defending what she did, but KILLERS are entitled to be out on bond until their court date. Why can't she?
@@paulcarlin5181 Cool. Maybe she can be your neighbor.
If she was a man she would be in jail right now.
We ALL have criminals living around us as neighbors. Violent and nonviolent crimes. Even in wealthier neighborhoods. You think rich people don’t have kids who do bad things? You can even go on apps that show all the sex offenders living around you.
As a Canadian, it was always weird to me having the server walk away with my credit card when dining in the US.
that’s how it works, you then get a merchant receipt for what you were charged
@@colb.y Why don`t they use card readers? They are widely in use in other countries.
@@Nebelwerfer. IDK, i just live here
It needs to change. I have been robbed this way a few times.
Are you friends with AvE? He is my favorite Canadian
She needs to be held accountable
Lol you think
That's a really good pun, because she's really good with accounting
This is why you keep track of your spending and check your statements. Keep your cards locked when you're not using them.
We’re always paying cash when we eat out. This is not the first time this kinda crime happened. Same thing was happening few months ago at one of the fast food restaurants.
And pay cash at gas stations.
@@mariebussinger6565 absolutely.
These people think they will just get away with it ?
I see she's already out on bond apparently. The justice system is a joke.
What gave it away?
How was she anywhere but lockup, to be answering the door to a reporter!
It is so strange in the US how you give your credit card to the waitress/store clerk, like why would I give my card to them? In Europe I just put my credit card in the machine and my 4 number code, or I just put it close to the machine and pay via the Contactless chip
That's why she need to go to the federal penitentiary your restitution needs to be paid back every dollar that you stolen from every individual's credit card
Some of these criminals just boggle my mind. If you lack the barrier of morality that would prevent you from doing it in the first place, how did you also get past the obstacle of knowing that you would never get away with it? Did she really think that no one was going to notice and figure out where the charges were going from? What she did was basically volunteering to go to prison for fraud.
She doesn't seems very intelligent, and the fact she opened that door for reporters says even more about her 😄
Her education level achieved stopped at stupid stealing 101.
You can tell her IQ by her lip injections 😂
Clearly she had been doing it and not getting caught. It's the greed and the amount stolen that got her.
You know where she was working right? Not a very highly intelligent place LOL literally a waitress the easiest job in the world
It’s always been crazy to me that in the states staff will take your card and disappear with it - that is unheard of here in the U.K. We always have a portable payment machine bought to us at the table and we make the payment on that. It’s been that way here as long as I can remember and I’ve been eating out for about 30 years.
There is a major difference between POS in the US and POS machines around the world (especially EU). The requirement for POS at restaurants in EU countries is for the POS machine to capture chip info from credit card as well as PIN. In the US, since they began credit card processing many many years ago they went with physical signature and later as it became available they added chip info. You cannot have a handheld device brought to the table that captures customer signature. ONLY PIN number. This will be slowly changing as the devices getr better and smarter.
So the bottom line is NO, the US banks are not behind the EU ones when it comes to technology.
REALLY? Even 20 or 30 years ago??
So you claim this technology existed THIRTY YEARS AGO?! Seriously?!
@@BeccaHetrick - No not 30 years - I said I’ve been eating out for about 30 years, but in the U.K. we’ve had terminals like this for about 20 years, the first were introduced around 2003/2004 they would have been chip and pin terminals. We’ve been using contactless cards here for about 15-16 years. However even before that when we had the old carbon paper payment method, when you had to sign for a payment, that would always be bought to the table, or you would take your card to pay. It’s never been the norm here for a server to take your card and disappear with it. However on card microchip technology is about 30 years old and was first used in continental Europe, I think in France.
A bartender I used to date years ago recently got busted for doing this for YEARS, I think she'll have to go to the pen. She was slick about it, just a couple bucks here and there, but it added up to a LOT and I think she's going to be screwed.
That's why if I use a card I transfer the exact amount I owe onto my cash app card and use that. If they try to get anything more they can't. I always tip with cash.
Smart
Sounds like a mission
I used to do the same thing sort of, there used to be a bank called mango that would auto generate a new credit card number for you to use.
@@SPOT305 not at all, takes about 30 seconds.
What is a cash app card, John? Thanks in advance.
One more reason to roll with cash.
Lick
Yeah because someone can't mug you for cash 🤡
@@altheadawn2531 Oh, they've tried.
Prepaid Debit card like Wise App is better.
@@altheadawn2531thats what the second amendment is for 🦅
Same thing happened to me and I could not get the Santa Cruz sheriffs office (AZ) to do anything about it even though she bought gas at a station with cameras and had to have someone there to put my card number.
In other countries, even Canada, they bring the swipe device to your table. If you want to avoid this ask them to bring it to you or go walk back with them to process. At fast food places like Starbucks ask to hand the swiper out the window. Fast food and gas stations workers are known to set up cameras to capture the numbers. The reporter is also unaware that a lot of places are cashless nowadays.
She'll get probation. Sad
I had AMEX call me at my office to ask if I was in Madison WI spending 3K at a jewelry store. I said, no I’m at work in Arizona. I had been on a business trip the previous week to Madison. Happens more than you think
Take this L
I can't believe the people that do such things think they will get away with it!! 😮
It's amazing how some people are that stupid for thinking that, we the customers, are not going to realize of it, sooner or later!
This is why you set up your credit card app to alert you when any charges are made to the card. Every time I use my card I get an immediate notification on my phone.
Waiters and waitresses work very hard! Restaurant work isn't easy! As others have said, That's no waitress, that's a thief!
The most secure way to protect your personal finances with food purchases, is to only swipe it at a grocery store. You save the possibility of credit card theft from a waitress, and save even more not spending it at a restaurant using subpar ingredients, in a dirty kitchen, and your food handled by an ex-con cook.
NEVER just hand your card over to someone that has to leave and come back 💸💸💸
Must do serious jail time for this. Do not let her get away with this.
Yep. After I had a fraudulent purchase on my card a day after I handed it to a waitress a few years back.. Never again... Every restaurant purchase since then I only use cash. I will never again let my card out of my sight. Treat it like your children going off with some stranger for a few minutes!!!
Lmao pretty pathetic but I gotta remember this is a Miami channel..lots of sleazeballs down there. But if you're making comments like this and you're not rich this is pathetic lmao
This happened to me at a Japanese steakhouse. I called my bank and set my daily limit extremely low. This will prevent unauthorized big ticket item purchases...
I still don’t understand didn’t she think she’ll get caught
Any time I dine out I always check my card history the next day, only once did anything happen with my card. It was at a mom and pop pizza place, the girl at the register that night made a copy of my card and went shopping the next morning. My bank gave me all the information and where the card was used. I went back to the pizza place and told the owner what happened, the girl was his 16 year old daughter. I got copies of the security video from three stores she went shopping at ( thanks to the bank's help and the local police and my dad who was a lawyer ) All my money was refunded by the bank, he father the owner of the pizza place said right infront of her .. sir if you want to press charges against my daughter I will not stop you. She got 90 days in lock up 4 years probation and one thousand hours community service. ALWAYS CHECK YOUR CREDIT CARD HISTORY AT LEAST ONCE A WEEK.
Do you guys not get like notifications on any transaction?
I get an SMS and app notification from my bank on any transaction - and for the app, it has a quick button to report fraud ...
You should open up a private eye business.
The poor father must be so heart broken
This story sounds fake to me. Hope it's not, but it doesn't pass the sniff test.
@@julioramirez8768agreed.
Just another reason I pay cash for everything
For now before everything is through the phone the morons do not see that the Government wants to control the currency.
It’s illegal to take your card in Europe. They have to bring the machine to your table and then you pay and they print the transaction. Always you holding your card nobody else. Time to change and protect the customer.
Yea I went out with a coworker from Europe and he was shocked when asked to hand over his card. I’ve never thought about it too much since I try and pay cash but you really never know what folks may do with your CC. He was also shocked by the tipping recommendation 😂
that one subway got away with charging a customer 7k and neither police nor her bank did nothing. but this one she did one too many.
Smh. These thieves are out of control. If you don’t want to carry cash, look into reloadable cards that aren’t attached to your bank account.
Who's stupid enough to give a stranger their card. Number 1 nono
Protect yourself, set your credit card bank for instant notification to your phone for all your charges.
"Taking more than just orders" is wild 😂
I spat my coffee out 💀
Hey, those lip fillers aren't paying for themselves. 😅
Agree.....so hideous!
😂😂😂
😂😂😂😂😂
She needed the money to get her upper lip done to match her lower lip!
It matches the nose…maybe natty?
Always write the total that you’re paying. Never leave the tip line blank or the total line blank. I’ve heard of ppl adding a tip. And make sure you take your receipt with you just in case you have to dispute charges
That’s why I have notifications set on my credit cards for every charge that comes through. Debit and credit. Also, when shopping online you can use a virtually generated card number quite often
That’s what these women are about .
Always pay with a credit card, you are not responsible for fraudulent charges, it’s the LAW.
@@CheekyBird790
Actually...
IT IS THE LAW...
The two primary federal laws covering procedures after card theft or loss are the Fair Credit Billing Act and the Electronic Fund Transfer Act.
Under the Fair Credit Billing Act, your liability for unauthorized charges depends on whether the thief personally presented your card to make the purchase or just stole the number.
If the thief personally presents your card to make the purchase, the card issuer can't hold you liable for more than $50 in fraudulent charges. (12 C.F.R. § 1026.12). Many card issuers waive this $50. You have no liability if the thief stole the number, but not the card.
However, in either of the above situations, it's important to notify the card issuer as soon as you know of the theft...
With ATM or debit cards, you must act quickly to avoid full liability for unauthorized charges when your card is lost or stolen. Under the federal Electronic Fund Transfer Act, your liability is:
1. $0 if you report the loss or theft of the card immediately and before any unauthorized charges are made.
2. up to $50 if you notify the bank within two business days after you realize the card is missing
3. up to $500 if you fail to notify the bank within two business days after you realize the card is missing, but do notify the bank within 60 days after your bank statement is mailed to you listing the unauthorized withdrawals, or
4. unlimited if you fail to notify the bank within 60 days after your bank statement is mailed to you listing the unauthorized withdrawals. (15 U.S. Code § 1693g).
5. If you can convince the bank that your notification failure was due to extenuating circumstances, it must extend the notification timeline for a "reasonable period."
Note that if the theft involved only your ATM or debit card number-and not the card-you're not liable for unauthorized transactions if you report them within 60 days after your statement is sent to you. It's important to review your statements. So, open your monthly statements promptly and compare them to your receipts....
STOP giving people "financial advice" about things when you don't know what you're talking about...
@@CheekyBird790 well, I’m gonna teach you something new today. There is a federal law that protects consumers against fraudulent charges. That federal law is called the FAIR CREDIT BILLING ACT : Title 15 USC 1643 makes a consumers liability for fraudulent charges on a credit card a MAXIMUM of 50 dollars. So, happy charging! 🤓☝🏻
@@audio3980
I posted this and it got deleted???
Actually... IT IS THE LAW...
The theft or loss of a credit card, debit card, or ATM card can happen to anyone-and you need to be prepared to take action, protect your rights, and stop thieves in their tracks.
If your ATM, debit, or credit card is lost or stolen, don't panic. Federal laws and bank policies limit your liability for unauthorized charges. But it's important to notify the bank or card issuer of the loss or theft as soon as you discover it.
The two primary federal laws covering procedures after card theft or loss are the Fair Credit Billing Act and the Electronic Fund Transfer Act.
Report the Loss Immediately
1. As soon as you discover the theft or loss of your credit card, debit card, or ATM card, you should report it to the card issuer or bank. Almost all companies have 24-hour service numbers and loss departments to handle these emergencies.
2. Let the representative know right away that your card was stolen or lost. Report when you realized the card went missing. The customer service representative might ask for details and confirm whether you made certain recent transactions.
3. Timing is critical: the sooner you call, the less likely it will cost you any money. Your protection against unauthorized charges depends on the card type and when you report the loss.
Reporting a Credit Card as Stolen or Lost
Under the Fair Credit Billing Act, your liability for unauthorized charges depends on whether the thief personally presented your card to make the purchase or just stole the number.
1. If the thief personally presents your card to make the purchase, the card issuer can't hold you liable for more than $50 in fraudulent charges. (12 C.F.R. § 1026.12). Many card issuers waive this $50.
2. You have no liability if the thief stole the number, but not the card.
3. However, in either of the above situations, it's important to notify the card issuer as soon as you know of the theft.
To dispute unauthorized charges, send a letter to the credit card company at the address given for this purpose, not the address for sending your payments. Include your name, address, account number, and a description of the billing error. You may use the Federal Trade Commission's sample letter. Send your letter so that it reaches the creditor within 60 days after the first bill showing the unauthorized charge. (12 C.F.R. § 1026.13).
1. Or you can file your dispute online or through a mobile banking app. (But you generally get more legal protections with a letter, so it's best to follow up with a written notification.)
2. After you report your card as stolen or lost, the issuer will suspend the card and send you a new one. This closing of the account is different from canceling or permanently closing a credit card, which can cause problems with your credit reports. The issuer will also credit back any fraudulent charges made to your account, although you can expect them to conduct a fraud investigation.
Reporting a Debit Card or ATM Card as Stolen or Lost -
With ATM or debit cards, you must act quickly to avoid full liability for unauthorized charges when your card is lost or stolen. Under the federal Electronic Fund Transfer Act, your liability is:
1. $0 if you report the loss or theft of the card immediately and before any unauthorized charges are made.
2. up to $50 if you notify the bank within two business days after you realize the card is missing
3. up to $500 if you fail to notify the bank within two business days after you realize the card is missing, but do notify the bank within 60 days after your bank statement is mailed to you listing the unauthorized withdrawals, or
4. unlimited if you fail to notify the bank within 60 days after your bank statement is mailed to you listing the unauthorized withdrawals. (15 U.S. Code § 1693g).
5. If you can convince the bank that your notification failure was due to extenuating circumstances, it must extend the notification timeline for a "reasonable period."
Note that if the theft involved only your ATM or debit card number-and not the card-you're not liable for unauthorized transactions if you report them within 60 days after your statement is sent to you. It's important to review your statements. So, open your monthly statements promptly and compare them to your receipts.
Voluntary Caps on Liability for Debit Card Charges:
1. In response to consumer complaints about the possibility of unlimited liability, some card issuers cap the liability on debit cards at $50. And some banks don't charge anything if unauthorized withdrawals appear on your statement.
2. Also, some states have capped the liability for unauthorized withdrawals on an ATM or debit card at $50.
How to Protect Your Cards and Information: Know where your credit, debit, and ATM cards are, and make sure they're secure. Here are some more tips for using and protecting your cards.
1. Check your statements. Regularly review your account activity either online or on a mobile app.
2. Enable mobile alerts for purchases or suspicious activity. Some credit and debit card issuers also provide free fraud monitoring alerts via text, phone, or email.
3. Exercise caution in giving out your credit card account number over the phone. Don't give out the card number unless you initiate the call.
4. Don't leave blanks on charge slips; draw a line across any blanks.
5. Always take your receipts, and keep them until you reconcile your bill.
6. Cut up or shred your old cards.
7. Review your credit reports to look for new accounts under your name that you didn't open.
8. Carry only the cards you think you'll need.
9. Make and keep a record of your card information, listing the issuer's customer service number, and keep this in a safe place.
10. Ignore anyone contacting you to "verify" your account information by phone or email. The call or message could be a phishing scam designed to steal your account information.
Tips for Using and Protecting Your Debit and ATM Cards:
1. Review your statements.
2. Always take your receipts; don't throw them away in a trash can near the ATM.
3. Protect your PIN. Never leave this information out in the open or written down in an easy-to-spot location. Don't keep a copy of your PIN with you or the card.
4. Don't base PINs on common personal information, like your address, family birth dates, or pets' names-those are easy for a thief to figure out.
5. Cut up or shred your old cards.
6. Record your transactions, and reconcile your monthly statement promptly.
7. You should also periodically check your account activity, especially if you use online banking. Compare the transactions to those you've recorded and report any discrepancies to your bank right away.
@@CheekyBird790”in my jurisdiction” It’s a Federal law, do you live outside the U.S.?
That is why I always pay with my credit card
How can she be free?
How could you expect to not get caught?
That reporter roasted her with that eloquent voice inflection within the first 5 seconds 😂
Family Guy lol
Love how they keep thinking up ways to stop people scamming cards and tap to pay. Here’s a crazy concept - CASH! Wow who would’ve thought.
Exactly my post, those lazy bastards like to feel important with their precious cards!!😊😊
Some people are afraid to carry cash incase they get robbed
@@michaelfreeze2949 I lived in US, although I am European sometimes having cash with you might save your life actually!!
Another good idea is to pay with a throwaway prepaid card that only has what you put on it, like say your meal is $50 including tax and tip. If you have a $50 prepaid card, the money is completely gone after your meal and can never be used again.
@@corneliuscornia3189 I know right.
She's enterprising. Most wait staff prefer to just copy the numbers and sell them online.
Give her jail time. Sick of this.
As a Swede I find it hilarious that US in 2024 still not have the service of handhold card devices at the customers table....
As an American, I find it hilarious that you "as a Swede" don't know in 2024 that we do have handheld devices and have had it for a while. Just not in every ma-and-pa restaurant and diner. So, get off your supercilious high horse and check before you post.
You don't like giving up your card? How about paying in cash. That must make too much sense though.
No one carries cash anymore, slappy. Stop being that guy.
@@LinkRocks I carry cash dude
Cash sucks. Pain to use, no cc rewards
@@nikiyen6 Cash rocks
@@nikiyen6people like you is why we’re in trouble
You gotta watch out for these type of people, they are always up to this kind of stuff.
as a waitress this is making me sad that people are starting not to trust us because of this. i try to hold customers credit cards for as little time as possible and go to a machine where they can see me. i would never steal from them? you don’t know what someone has to pay, if they have kids, rent money, bill money. and you would 100% get caught.
Have text alerts enabled on any transaction over 1.00$ Also, keep your receipts and make sure the tip and total bill match after the transaction clears pending. Never pay with a debit card, always a credit card to avoid any money being taken out of your account.
solid tips
@@Yowzoe Thanks, i kinda nerd out over stuff like this.
true. I always do this. But I still use debit card. I just topup the amount I needed before I swiped my debit card. Afterwhich, I then temporarily blocked my card.
@@choosyduchess25 I haven't used my debit card in years plus i rack up series credit card bonus points.
These are good tips. You don't have to be afraid of using your debit or credit card, though. When I was a waitress how a lot of waitresses and restaurant businesses rob or attempt to rob and steal from customers who pay with cards is through the Tip Portion on the receipt that is often handed back to the waitress. Which is the Merchant receipt. You would be shocked and amazed at how many people hand it back, leaving the Tip Line Blank. Opening the door for them to charge whatever they want. It has happened to me before. And most people never get that money back. Those who are lucky enough to get it back go through an extremely hard time trying to do so.
Thought she was worth more than the 20 dollar tip she got.
Wow, geez, this is scary. Right, giving waitstaff your credit card at a restaurant is pretty scary...
Always with the same type of last names. A criminal society.
Europe 20 years ago would bring the card machine to the table. This was pretty much ubiquitous.The US is so far behind in preventing fraud.
The U.S. is far behind on a lot of things in society these days.
Except military power.
As an American citizen, our country runs on fraud. I’m surprised she is facing anything, frankly
In LA I was incredulous that so many major businesses had OLD tech. going on that Canada advanced 20 years ago. Chip enabled cards, as one example. And lots of sketchy stuff with oddball businesses, so I paid in "kash" rather than us any card. And not all cards are taken. Couldn't BElEVE the home state of tech. isn't that advanced.
We have too many Europeans here doing it. 😂
like what@@_Just_Another_Guy
Embarrassing for the crook, great for the public to watch their waitress!! You can't trust anyone, anymore😢
Defintely not & certainly NOT in the US.
And this is why I always wait in cash when eating out in restaurants
That's messed up
I had a similar incident last summer. Less that 30 minutes after paying for my meal, I had an unauthorized charge for $7,200 in Los Angeles and another for $3,000 in Las Vegas. Not, a big deal for me, Chase removed the charges from my credit card. I always wondered if Chase Bank filed a criminal report. In the video Discover Credit Card is listed as the victim.
And thats y i love chase
I once had $400 stolen from my card but my bank put the funds back in my account after i made a report, these people truly worthless
I had 21$ taken from my debit somehow through Walmart online shopping.I called my bank and they just canceled my card and issued me a new one.I never got the 21$ back 😂
'Not a big deal for me'
Blowhard moneybags
Discover was very quick to get rid of fraudulent charges - like same day.
I'm surprised she even showed her face at the door at all.
set-up bank alerts for every transaction on every card you use
Last time, I left a cash tip, but I was still charged a 25% tip on my card. I suspect the waiter did it intentionally because I explicitly mentioned giving a cash tip when I swiped my card, and he assured me it was okay. Despite the unpleasant experience, lucky，the restaurant owner, who is a friend of a friend, eventually refunded the cash. It’s advisable to keep our receipts for a certain period.
How the hell did the management not figure that out the first time she did it? I handled closing/reconciliation for a cafe for years, and I would have been questioning every charge of that size.
she did it privately on her own device not through the store.
@@hobbiesofstefs7085
Yeah but unless she’s getting you to use two devices that means the restaurant is out money.
@@jakemartinez6894She took the credit card out of the customer’s line of vision. She would first charge for the food and then charge on her own personal device.
@@jakemartinez6894She had her own device somewhere in the restaurant. The customer handed her their credit card, she ran the correct charges on restaurant device and then ran a second charge to her own device. The restaurant had no knowledge of all that. Maybe she ran the unauthorized charges later in the evening too.
I saw something on TV where a Manager was running the credit card manually and then claiming to the customer that the credit card machine wasn't working and they would have to pay cash. The Customer was like,"Okay, if the credit card isn't working, I'll just pay cash, having no idea that she ALREADY ran the credit card through the machine that was working. She stole the cash and the owner of the restaurant fired her when he saw her so it in real time when he watched a surveillance camera.
If I'm not mistaken, just about any credit card charger can recharge cards at whim. It is only the good graces of the company and its employees that more fraud doesn't occur.
those folks don't work these jobs any longer
Where a lot of these restaurants and waitresses are robbing and stealing money from customers who pay with cards is through the Tip Portion of the reciept. Most people sign the merchants copy of the receipt, and hand it back, leaving the Tip Line Blank. Never ever hand the Merchants copy of the receipt back with the tip line Blank. They can't necessarily charge at whim, but this does leave the door open for them to Charge you whatever the hell they want to. And Most people never get that money back. Those who are lucky enough to get their money back have to go through hell and high water. Completely Scratch out the Tip line or write your tip big enough to take up the entire space.
Why would anyone think they could get away with this?
What year is this video taken? I haven’t been to a restaurant in north america in the last 10 years that didn’t have a pay at the table device.
Get yourself a card that gives you an instant notification when it is charged. There are many. I have one where the notification shows up quite often before the terminal dings and starts to print the receipt. The salesperson is often shocked because my phone reads the notification out loud. 😅
I lock my card right away after I use it
When I worked from home customers would give me their card numbers to make payments. Not once did I ever take or even think of taking anyone’s personal info.
How can you like that if you can't trust the person serving you not to steal your hard earned money?