The same thing happened to Rob Bell at the same ATM. When the card reader didn't work, a man leaned in. "I didn't think anything of it, I just thought he was using the ATM," Bell said.

The 39-year-old was convicted in January after police watched him make multiple withdrawals using different cards from the same ATM in Placentia, about 30 miles southeast of downtown Los Angeles.

“Our fraud investigators noticed kind of an uptick in some of our members reporting ATM ... card or something like that, and then go and use that gift card to take out money or buy things ...