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Last updated April 7, 2024
When making an online purchase using someone else's debit card, it is possible to be traced, but the extent of tracing may vary. Here are some key points to consider:
Reporting the Incident: If you suspect that someone has used your debit card without permission, it is crucial to report the incident to your bank immediately [1]. They can take necessary steps to block the card and prevent further unauthorized charges.
Tracking Methods: The authorities typically employ advanced technology and legal clearances to track fraudulent debit card transactions [1]. Some common methods include:
a. Transaction Timestamp and IP Address: Investigators analyze the transaction timestamp and IP address associated with the unauthorized charge to verify if fraud has occurred [1]. This step helps rule out unintentional or friendly fraud.
b. Geolocation Tracking: Credit card companies and banks use geolocation data to determine the exact location of the fraudster at the time of the fraudulent purchase [1]. This information is often shared with law enforcement to aid in the investigation.
c. Investigating Buyer's Data and Account Activity: If location tracking is unsuccessful, investigators may analyze the buyer's data and account activity to identify patterns that could lead to the culprit [1]. This can include analyzing buying patterns, tracking delivery addresses, or examining cellular network usage associated with the purchase.
Challenges and Limitations: Tracing online purchases made with someone else's debit card can be challenging due to various factors. Skilled hackers may take steps to hide their trail and compromise their identity, making it difficult to track them down [1]. Additionally, there is no guarantee that the culprit will be found, despite the measures taken.
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