Fraudulent transaction
Discussion
Wasn't sure whether finance or business but...
I can't put much detail on here but just looking for a bit of advice if possible.
I took a card payment over the phone. (37k) something didn't feel right so I said I want proof of id etc before releasing the goods.
That was emailed to me, still wasn't 100% sure so said to come here in person with more id. He never turned up after rearranging it a couple of times. This was last Friday.
Monday afternoon I got a phone call from the guys bank who told me it was a fraudulent transaction and only the card details and address matched what they have.
This also felt odd so rang their number on the website and they said theyd never call me directly and wouldn't even look on Google for a contact number.
So now I'm not even sure if that phone call was legit.
Anyway, I have 37,000 pounds of someones money and I have no idea what to do.
World pay say I'm completely responsible as it was taken over the phone and the best thing to do is wait for a charge back but surely a week is plenty of time to do this?
I know if someone had that sort of money of mine, I'd be doing everything I could to get it back.
The whole thing just seems off even down to the bank calling me.
The silly woman that called me even told me if I didn't refund the money, I'd be complicit to fraud. Never heard from her again once I called her every bad name I could think of after that.
Ummmm help! Ha
I can't put much detail on here but just looking for a bit of advice if possible.
I took a card payment over the phone. (37k) something didn't feel right so I said I want proof of id etc before releasing the goods.
That was emailed to me, still wasn't 100% sure so said to come here in person with more id. He never turned up after rearranging it a couple of times. This was last Friday.
Monday afternoon I got a phone call from the guys bank who told me it was a fraudulent transaction and only the card details and address matched what they have.
This also felt odd so rang their number on the website and they said theyd never call me directly and wouldn't even look on Google for a contact number.
So now I'm not even sure if that phone call was legit.
Anyway, I have 37,000 pounds of someones money and I have no idea what to do.
World pay say I'm completely responsible as it was taken over the phone and the best thing to do is wait for a charge back but surely a week is plenty of time to do this?
I know if someone had that sort of money of mine, I'd be doing everything I could to get it back.
The whole thing just seems off even down to the bank calling me.
The silly woman that called me even told me if I didn't refund the money, I'd be complicit to fraud. Never heard from her again once I called her every bad name I could think of after that.
Ummmm help! Ha
What do visa/mastercard say?
I'd just sit on it. But I would give the local police a ring and get it logged with them, including that you've had calls which seem to be from a fraudster pretending to be a bank.
My guess is that they've passed stolen funds though a couple of accounts before trying to use it with you. If you refund it then they get control of it again.
I'd just sit on it. But I would give the local police a ring and get it logged with them, including that you've had calls which seem to be from a fraudster pretending to be a bank.
My guess is that they've passed stolen funds though a couple of accounts before trying to use it with you. If you refund it then they get control of it again.
rich12 said:
Monday afternoon I got a phone call from the guys bank who told me it was a fraudulent transaction and only the card details and address matched what they have.
I know you think that call was dodgy but what they said sounds like it could be correct - the address and card would match, but it's failed validation checks. I put £20K through my card with NatWest a few weeks ago and got two levels of checks.I don't know how it works from your (supplier) side but could it be that the payment is still in a pending state, and eventually it'll just expire? My FIL got scammed using his card recently and there were two pending charges of £3K and £5K on his account but they never completed.
rich12 said:
World Pay told me it's best to just wait for a charge back to come through.
I've never done one but surely if you knew you had £37k taken out of your account, it could be raised the same day?
The payment was taken on the 2nd May so surely 12 days is plenty to do it all?
It may not have been the whole £37K taken out of one account originally.I've never done one but surely if you knew you had £37k taken out of your account, it could be raised the same day?
The payment was taken on the 2nd May so surely 12 days is plenty to do it all?
It may have been smaller amounts diverted through other means (e.g those bank account details interception emails you hear about) and then channelled through the one final compromised account.
Whilst the smaller victims are trying to chase the tail of the scam, the owner of the final compromised account is none the wiser as the money would have gone into the account and out again in the form of your payment. The first they'll know about it is when their statement comes through but as far as they're concerned, they started the day with £n available and ended it with £n available.
Call from the customer's bank sounds fishy, why would they call you, the merchant? They have their own means of clawing back the money from you.
eltawater said:
It may not have been the whole £37K taken out of one account originally.
It may have been smaller amounts diverted through other means (e.g those bank account details interception emails you hear about) and then channelled through the one final compromised account.
Whilst the smaller victims are trying to chase the tail of the scam, the owner of the final compromised account is none the wiser as the money would have gone into the account and out again in the form of your payment. The first they'll know about it is when their statement comes through but as far as they're concerned, they started the day with £n available and ended it with £n available.
Call from the customer's bank sounds fishy, why would they call you, the merchant? They have their own means of clawing back the money from you.
EXACTLY!It may have been smaller amounts diverted through other means (e.g those bank account details interception emails you hear about) and then channelled through the one final compromised account.
Whilst the smaller victims are trying to chase the tail of the scam, the owner of the final compromised account is none the wiser as the money would have gone into the account and out again in the form of your payment. The first they'll know about it is when their statement comes through but as far as they're concerned, they started the day with £n available and ended it with £n available.
Call from the customer's bank sounds fishy, why would they call you, the merchant? They have their own means of clawing back the money from you.
The lady from Lloyds (so she says) told me it was one person and the name I was given, didn't match but the address did.
If she was from the fraud dept, why haven't I heard from her again as she was supposed to be looking into it.
I honestly have no idea what's going on. When I rang Lloyds, they confirmed XXX did work there but also said they'd never go on google to find our details and since I asked her about this, I haven't heard from her.
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