How debit card fraud can happen without using the card

Every so often, we receive an email that stops us cold. Not because it is dramatic. Not because it is careless. Because it feels impossible. 

Sheri M. from Georgia recently wrote to us with this question:

GHOST-TAPPING SCAM TARGETS TAP-TO-PAY USERS
 

Sheri, first, we are glad your bank flagged it. That alert tells you fraud monitoring worked. Now let's address the part that feels unreal. How can someone use a debit card that has never left a locked vault?

If you have asked that same question, you are not alone.