SKIMMERS AND SHIMMERS

Recently, funds were stolen from 2 accounts linked to 1 card. This has happened to me 3 times now. The first time my deposit was gone by the time I entered my pin at a bank of America ATM at a train station hub. The second time there was less than 20 dollars in the account and it was stolen from a MTA ticket vending machine. On the third time, a deposit from both of my accounts were gone by the time I entered my pin.

I had gotten a replacement card after the first theft, but I had changed my pin after the second theft. Since this third theft, I have learned strategic ways of combating and being proactive. I was always checking the card slot with a flashlight and the pin pad by feeling it, and otherwise covering my hand when I entered my pin, but I was still scammed.

The strategy that I learned was to change my pin before a deposit and after withdrawal. In addition, I will continue to check the machines but also use machines inside banks or at safe places, and be observant about my surroundings and suspicious machines.

When I went to the bank on the third time, a security guard was there but some of the machines were down. However, I used the one above the vault. Regardless, I was scammed. I guess I can't avoid being scammed but I can keep myself within a safe zone. 

The last thing that I intend to do is to keep very little money in the account that I will use to withdraw money from ATMs. Otherwise, I will not use my other account to do any transactions at ATMs or any place of business.

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