Two USAA debit cards hacked in August--what's going on?

Firegirl1
Contributor

My USAA debit card was compromised in early August, and I worked with USAA and get the charges reversed on thirteen unauthorized transactions. They issued a new card promptly, and I dutifully changed all my automatic payments. Suddenly, three weeks later, I found out my card was hacked again! My NEW card has six unauthorized transactions, so again my debit card has been suspended and a new one is on its way.

 

What is going on? How is it possible for me to have two debit cards hacked in a month?  Should I get rid of the debit card and use Google Pay or Apple Wallet instead? Stop using my debit card for Amazon purchases? Get a USAA credit card?

3 REPLIES

@Firegirl1, It is certainly frustrating and concerning when fraud occurs and to have it happen more than once within a short period of time would be especially concerning. 

 

You bring up some very good ideas to prevent fraud from occurring on your personal checking account (not a credit card), all of which are very good options since a credit card isn't your hard earned money.

Although we do have a 100% zero liability for fraudulent transactions, it can be very inconvenient for your own funds to disappear for a time until the fraud case is complete and funds can be returned to your account.

So with that said, I think having a dedicated credit card to use for certain types of transactions is preferred. Such as high risk spending, Gas Stations, Online Purchases, etc.

Having a dedicated card will also prevent any interruptions to reoccurring bills that are paid with a different card/account. 

 

As far as your questions, "What is going on? How is it possible..?" I recommend reviewing the transactions that were fraudulent to determine the name of the business/merchant that was billed to your account. If those were from businesses that offer subscriptions type services and reoccurring billing, such as: Apple iTunes, Playstation, Netflix, Amazon, etc. contact those merchants and inform them your card information is associated with a fraudulent account and request they close down those to prevent new charges occurring once your card number is reissued. 

Once a reoccurring bill has been authorized, Visa is obligated to provide the new card information to those merchants, thus causing new charges on the newly assigned card.

 

I hope this information is helpful and useful to you.

If you have any further questions or concerns I have not addressed, I invite you to contact our Fraud Department at 210-531-8722 to speak with the Debit Card Existing Fraud Case Team, for a specialist to assist you. 

I wish you the best and a wonderful holiday weekend. ~ Lori 

I feel your pain. Three members of my family have had their debit card numbers stolen in less than two weeks between end of August and early September. I just told the Fraud department representative that I think they have been hacked. I hope they haven't, but nothing else makes sense right now.

@FinanceGeek, I understand the security of your debit card. The compromise of your debit card was not a result of a USAA data breach. When there is a large compromise, we will receive a list of compromised cards from MasterCard, Visa, American Express, and we'll notify all account holders if their cards are compromised. However, I will share your concerns with our security team. - Ben