ATM jamming, specifically a technique like Keyboard Jamming, is a type of fraud where criminals interfere with an Automated Teller Machine (ATM) to prevent a user's transaction from completing normally, allowing the criminal to steal the money the user intended to withdraw.
Understanding ATM Jamming Scams
One common method described is Keyboard Jamming, which targets the user interface of the ATM. The core idea behind this scam, as mentioned in the provided reference, is to get unsuspecting people to insert their card to withdraw money.
How Keyboard Jamming Works
This specific form of ATM jamming relies on manipulating the machine's controls, often the transaction buttons or keypad, to cause the user's interaction to fail. Here's a breakdown of the process:
- Interference: Scammers physically tamper with the ATM's buttons or keypad in a way that prevents them from registering input correctly.
- User Attempt: A legitimate customer approaches the compromised ATM and attempts to perform a transaction, such as a cash withdrawal.
- Transaction Failure: Due to the jammed buttons, the ATM does not fully process the user's commands. The machine might appear frozen, unresponsive, or stuck, even if the card and PIN were accepted and the withdrawal amount entered.
- Victim Leaves: When the transaction doesn't go through due to the jammed buttons, the victim leaves the ATM frustrated. They often assume a technical error or that the ATM is out of service.
- Scammer Intervention: After the victim leaves, the scammers, who were likely nearby observing, swoop in. Because the victim's card was processed up to a certain point (often the cash dispense command), the scammers can complete the final step or retrieve the money that was queued for dispensing, taking the money you were attempting to withdraw.
Preventing ATM Jamming Fraud
Being aware of ATM jamming techniques is the first step in protecting yourself. Here are some tips to avoid falling victim:
- Stay at the Machine: If your transaction doesn't complete and the ATM seems unresponsive, do not walk away. Stay by the machine.
- Contact Your Bank: While at the ATM, immediately call your bank's customer service number (usually found on the back of your card or the ATM itself) to report the issue.
- Check the ATM: Before using an ATM, quickly check for any signs of tampering, such as loose parts, sticky buttons, or unusual attachments around the card reader or keypad.
- Guardian: If possible, use ATMs during daylight hours or in secure locations with security cameras or guards.
ATM jamming is a simple yet effective tactic for criminals to steal cash directly from users by exploiting technical glitches they themselves create. By understanding how it works and taking precautions, you can protect your money.
