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Atm Card Criminals Consumer Machine Bank Small Pin

Id ESLPod_0885_CN
Episode Id ESLPod 885
Episode Title Talking to a Bank Teller
Title ATM Fraud
Text

In recent years, criminals have begun using many techniques to "commit" (do a crime) ATM "fraud" (deception or a trick, especially go steal someone's money).

A "skimming device" is a small "device" (piece of equipment) that sits on top of the "card slot" (the opening where one puts a card) of an ATM machine. The consumer "has no idea" (is unaware) that the device is there and inserts the card normally, not realizing that a criminal is able to read the card number, and then use it to make "fraudulent" purchases. Sometimes the criminals also install a small camera on part of the ATM machine so that they can see the PIN when the consumer types it on the "keypad" (the flat surface with buttons for typing letters and numbers).

Some criminals "take it a step further" (do something even more, even more extreme) by placing their own ATM machine in a public location, such as a shopping mall or a gas station. The consumer receives money from the withdrawal, but the machine "retains" (keeps; holds onto) his or her card number and PIN, so the criminal can use the card fraudulently.

To "prevent" (not allow to happen) these and other types of ATM fraud, banks advise consumers to use only trusted ATM machines at bank locations. They advise people to never share their PIN with anyone and to always be aware of their surroundings when entering a PIN, preferably covering the keypad with one's other hand so that it cannot be seen by a person or camera. Finally, banks recommend that people review their account "statement" (a document showing all the transactions on an account during a certain period of time) "promptly" (soon; on time) each month to identify any "unauthorized" (without permission) transactions.

Topics Money

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