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September 2018 - The 'Shimmer Scam' - What it is & How to Protect Against it

Shimmer ScamDoes anyone carry cash around with them these days? It doesn’t seem so. Even those of us who reserve our credit cards for major purchases are quick to pull out our debit cards for small, everyday transactions. It’s convenient and it’s safer . . . or so we thought.

First there was the “skimmer scam” where thieves attached devices onto ATMs and other card readers to skim information from the card’s magnetic strip. Just when we learned how to detect and protect ourselves against skimmers, thieves came up with a new way to steal our information – the “shimmer scam.”

Scammers now are inserting shimmers inside ATMs and card readers, rather than on top of them. Shimmers are paper-thin, card-sized, and almost impossible to detect, making them more dangerous than skimmers. These devices steal and store your payment information from your card’s chip with use of a microchip and flash storage. Your PIN and card number can then be used to make fraudulent purchases.

Fortunately, this scam is not widespread. Chip cards can’t be cloned in the way magnetic strip cards could. The stolen information can be used to produce a traditional magnetic strip card, but these only work at merchants who haven’t adapted to the new chip technology.

Still, you want to take some precautions so that your personal financial information doesn’t fall into the wrong hands.

  • When possible, use contactless payment methods like the “tap-and-go” feature on your card, or mobile services like Apple Pay or Samsung Pay.
  • If you feel resistance when you swipe or insert your card into a card reader, consider cancelling the transaction.
  • Try using an ATM inside a bank rather than a stand-alone machine when withdrawing cash. Better still, go to a teller.
  • Monitor your bank and credit accounts closely and immediately report any suspicious transactions. Be sure to use the customer service number printed on your card so you know you’re not reporting information to an imposter.

With knowledge and a little bit of caution, we can beat the bad guys.

What Our Clients are Saying

The absolute BEST!!! I have a family of attorneys but needed someone local. Victor was recommended to me and words cannot describe how pleased I was with his firm. The outstanding service and attention each member of his staff gave to me surpassed any and all expectations. Victor surrounds himself with a hardworking team that he leads. I felt it was money spent wisely. I will continue to recommend Victor and his associates.

- Stephanie

Mr. Rotolo has helped me numerous times in legal matters and has continued to support and help me through countless hardships. He is dedicated to providing the best service and is a true professional. I will continue to consult with him regarding any legal issues in the future. He is a respectable, hardworking, kind hearted man and I would recommend his legal services to anyone.

- Matthew

I am an attorney and have practiced law for 26 years. I hired Vic to handle a very difficult family matter because I do not handle family law. Vic was extremely competent and obtained a result far beyond my expectations. Without his counsel my son's and family's life would have been changed forever. Thank you Vic for your good lawyering. I very much appreciate the personal attention and time dedicated to this matter. I highly recommend Vic.

- Anthony

We recently had a situation where we needed to hire an attorney. We selected Kearns Rotolo Law and I can honestly say that we were above and beyond satisfied with Vic and his team. We would absolutely recommend this firm to anyone should the need arise. We blindly picked the firm out of the phone book because I liked his ad. Now I believe that God was pointing us in the right direction. Thank you Vic and Kearns Rotolo Law for being there for us in our time of need.

- Kim

Victor's expertise, due diligence, and empathy for his client made my first experience with the law (and last) a non-stressful one. Before the case, I did my research and looked over about 20 lawyers before choosing Victor. All my sources pointed to him as the best and they weren't off even a bit. Victor treated my case like it was his own and kept me up to date with all my appointments, breakthroughs in the case, and guided me step through step in a process that I never thought that I had to come to endure. If Victor's not available Susy will go out of her way to take care you. The productivity and efficiency in that office is second to none. Thank you Victor!

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