[flerchin]

Poor Emma's debit card got skimmed, and Bank of America was complicit. There's a couple of proactive measures she (and the rest of y'all) can do to help lower her risk.

1. Don't use a debit card as much as you can. Scammers are installing invisible chips in the terminals, and cameras nearby to capture your PIN. They're then cloning your card and stealing your money. Preferably, use a credit card.

2. Use a local credit union, preferably one that's member owned. Bank of America has no duty to help you. Their duty is to their shareholders. A community bank's duty is to their members, ie Emma if she was a customer.

What happened is absolutely not Emma's fault. She needs to file a police report after which she can still file a small claims court claim against Bank of America and get her money back. If Emma maintains her habits of using a debit card and a big bank (now Chase) this is likely to happen again.


(yes Europeans, y'all are vulnerable to this too)