Undeterred, Locker sought out Kenneth Minor who was paid some cash up front and given an ATM card with a PIN for additional payment.

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By providing the call center with a name, address, even the 9-digits of a social security number and the targeted account number, the criminal is able to reset a 4-to-6-digit ATM or Credit Card PIN.

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One call center scam involves calling the CSR to change the PIN on an ATM card.

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Okay, last month I discover that someone had hacked into an ATM machine there, got my pin number from my Santander debit card and stole a few hundred bucks from my account.

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After burning the stolen account data onto a blank magnetic stripe card, the criminal is then able to use this new PIN at any ATM.

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