That was fun - NOT!
Friday morning I awoke to a fraud alert. Apparently suspicious activity on my debit card, and the question was did I charge $165.19 to Walmart.com at 5:04 AM.
Uh, no, I didn't make that charge, and the quick response to the SMS shutdown my card. I was instructed to call the fraud line and talk to an agent.
Turns out that it wasn't just one charge, but 5 charges, totaling near $565.
Spent about an hour with the fraud person, walking through the recent charges. I use my debit card EVERYWHERE, so there were plenty. They put a hold on the card (aka - they cancelled it), and ultimately transferred me to my credit union.
More fun there, and I heard that there has been a LOT of reported fraud at Walmart.com. Apparently Walmart attracts the scammers, but they also have awesome data analytics that helps them identify the patterns and shut them down, but they are huge, and they aren't perfect. I do not blame them at all.
Net result is 1) the charges may have been blocked, so I need to keep an eye on my account and dispute any that come across 2) a new debit card is inbound, in 3-5 business days 3) all my monthly payments (like Digital Ocean, and many more) will need to have payment methods updated.
Where did I get skimmed? Totally unsure, but the most likely culprit is a gas station. I will begin to use a credit card, not my debit card, when buying gas.
Not a great Friday, to say the least.