Credit Card fraud – traceable purchases
Discussion
I had a call today to varify some recient transactions on my Credit Card, looks like I have been a victim of Credit Card fraud for the first time to the sum of around £1600, the company seemed very good about it so far and said they will remove all suspect purchases from my account, hopefully they will be good to their word.
The thing that struck me was the fact that the purchases were for music downloads and fight tickets,surely with downloads the account can be traced to an IP and with flight tickets, you'll need to give names and show ID etc. Am I missing something or are these things not followed up to the point where criminals can get away with obviously traceable fraudulent activities?.
The thing that struck me was the fact that the purchases were for music downloads and fight tickets,surely with downloads the account can be traced to an IP and with flight tickets, you'll need to give names and show ID etc. Am I missing something or are these things not followed up to the point where criminals can get away with obviously traceable fraudulent activities?.
TommyTT said:
Thy ususally try small amounts first to make sure the card is working, probably from an internet cafe, then buy something more valuable and easy to sell on. The police don`t seem to investigate card fraud these days, not unless the fraudsters end up doing 38mph in town.
Oh yes. They bought a ham sandwich and two pork pies with mine with a copied card (so the bank said later) at the other end of the country to me. A few minutes later I was arrested for filling up my car with fuel and not being able to pay for it as the card had been flagged as stolen 
Fortunately due to my false arrest 'they' were not able to buy anything else. Lucky me
Took me weeks to get my account back again and two months before I was credited for the £4.60 outstanding.
I made a post about this the last time I was hit.
the thiefs ordered clothes online and had them delivered to an address in birmingham they also insured a car ! how much more tracability do you need.
Police were not interested in any of that neither were the bank. I got my money back but these guys are out there doing to somebody else nobody cares.
the thiefs ordered clothes online and had them delivered to an address in birmingham they also insured a car ! how much more tracability do you need.
Police were not interested in any of that neither were the bank. I got my money back but these guys are out there doing to somebody else nobody cares.
Thankfully mine was a CC and they started off with a small transaction, I have other cards and never use my Debit Card for this reason. A friend said his bank flagged his up after the first 50p transaction!.
Was the car insurance cancelled?.
Was the car insurance cancelled?.
Edited by Baby Scuff on Tuesday 5th August 18:35
My boss have over 7 grand taken off his card recently. He'd only used it once, and someone bought 11 tickets from Paris to Pakistan (for a date 3 weeks after he reported the fraud) and 4 Man Utd season tickets. Police weren't interested, and the CC company just refunded the money.
I kind of hope the CC company, at least followed this up.
I kind of hope the CC company, at least followed this up.
Pesty said:
I made a post about this the last time I was hit.
the thiefs ordered clothes online and had them delivered to an address in birmingham they also insured a car ! how much more tracability do you need.
Police were not interested in any of that neither were the bank. I got my money back but these guys are out there doing to somebody else nobody cares.
Tell me about it! I manage a medium sized mail order company. We get hit the hardest by fraudulent orders because we have to pay the money back to the cardholder. Even when we do all we reasonably can to verify the cardholder is genuine.the thiefs ordered clothes online and had them delivered to an address in birmingham they also insured a car ! how much more tracability do you need.
Police were not interested in any of that neither were the bank. I got my money back but these guys are out there doing to somebody else nobody cares.
The lack of police action was one of the most annoying parts of dealing with these charge backs. We usually had, at least a delivery address for these orders.
Give 'em their due though, the fraud team I'm now in contact with have been investgating the scum who've been trying to place orders with us. They've noticed that a number of these criminals are involved with organised crime, and often well known to the police. (so I've heard)
I think if the banks actually admitted the scale of the problem there would be uproar. Almost everyone I know has either been a victim or knows of a victim.
Apparently mobile phone top-ups are popular at the moment. The mother in law got done for a £50 Vodafone voucher last week.
It is obviously cheaper for the banks to brush the problem under the carpet and pay rather than deal with the security flaws as nobody seems to ever get done or investigated despite the obvious traceability of the crime.
Apparently mobile phone top-ups are popular at the moment. The mother in law got done for a £50 Vodafone voucher last week.
It is obviously cheaper for the banks to brush the problem under the carpet and pay rather than deal with the security flaws as nobody seems to ever get done or investigated despite the obvious traceability of the crime.
TommyTT said:
Thy ususally try small amounts first to make sure the card is working, probably from an internet cafe, then buy something more valuable and easy to sell on. The police don`t seem to investigate card fraud these days, not unless the fraudsters end up doing 38mph in town.
Recently tried that with mine. Just bought some stuff on line, stuff arrives, few days later bank stopped card. £12 taken as a test and several smaller tries but as it did not hit the statement might be OK (I know £12 is small fry compared). All for US on line services.B17NNS said:
I think if the banks actually admitted the scale of the problem there would be uproar. Almost everyone I know has either been a victim or knows of a victim.
Apparently mobile phone top-ups are popular at the moment. The mother in law got done for a £50 Vodafone voucher last week.
It is obviously cheaper for the banks to brush the problem under the carpet and pay rather than deal with the security flaws as nobody seems to ever get done or investigated despite the obvious traceability of the crime.
I did see some stats a couple of years back. It's astronomical.Apparently mobile phone top-ups are popular at the moment. The mother in law got done for a £50 Vodafone voucher last week.
It is obviously cheaper for the banks to brush the problem under the carpet and pay rather than deal with the security flaws as nobody seems to ever get done or investigated despite the obvious traceability of the crime.
The banks rarely have to pay out any of the money. It's charged back to the retailer who effectively refunds the transaction. Banks are doing something, they have introduced PIN cards, which have shifted the fraud to online/mail order transactions. Now they're introducing Verified By Visa and MasterCard SecureCode, which are online PINs, except very few people have heard of them. Fewer have taken up the offer and many consumers are concerned about the functions security - oh the irony.
Incidentally, companies who use VbV and SecureCode correctly wont be liable for chargebacks, at the moment. That will change, you mark my words.
Mrs ALC recently tried to use her card, which was refused - the reason was that she had exceeded her credit limit. She knew she hadn't and on phoning the card company realised that her card ahd been used by someone else who had run up £4000 worth of airline tickets! Now can someone please tell me how someone can buy airline tickets using a credit card in someone else's name with someone else's address? Some time ago, I paid for my son's airline ticket on my card - I had to send the airline company a copy of my card, my passport, driving licence and complete a form to say I was buying the ticket for him to use. How can these people get away with such blatant fraud?
alc said:
Now can someone please tell me how someone can buy airline tickets using a credit card in someone else's name with someone else's address? Some time ago, I paid for my son's airline ticket on my card - I had to send the airline company a copy of my card, my passport, driving licence and complete a form to say I was buying the ticket for him to use. How can these people get away with such blatant fraud?
I've bought tickets for my kids using my card and never had a problem - did one just a few wks ago. Until a couple of years ago I fairly frequently bought flight tickets on my card for people who worked for me, so all of their details would be completely different to mine.I had 2 cards used fraudulently last year and one of those was used to buy flights with Lufthansa. There were also hotel reservations and travel money (from a bank) transactions. I also had online an jewellery purchase - I did call that company and they were most dismayed that their system hadn't detected the different delivery and billing addresses.
I think the solution seems to be to run several cards and keep them all active - Mrs DL and I have 5 between us, one for online purchases, one for business use, one for M&S etc... So if one or two get scammed, then we can carry on using the others without any problem.
Edited by Deva Link on Wednesday 6th August 10:40
SS HSV said:
So chip and pin works then 
Had a credit card done a while ago. Thing is, I had not used it and it was a new chip and pin to replace the old one (that I had not use). When this was pointed out the balance was cleared. Had to be an inside job which is why I think they were so nice under the circumstances.Gassing Station | The Pie & Piston Archive | Top of Page | What's New | My Stuff