Debit card cloned - what were they buying?
Discussion
I think my debit card has been cloned as I just had four notifications pop up from my banking app for four transactions...
First one - £100
next three - £120
all to National Express.
I've frozen my card and am on the online chat to the bank (who are being slow and asking me if I recognise the transactions after confirming it was to a transport company!).
I assume they'll replace the card and I'll (eventually) get the money back but what I can't work out is what are the thieving b'stards buying?
First one - £100
next three - £120
all to National Express.
I've frozen my card and am on the online chat to the bank (who are being slow and asking me if I recognise the transactions after confirming it was to a transport company!).
I assume they'll replace the card and I'll (eventually) get the money back but what I can't work out is what are the thieving b'stards buying?
Travel tickets?
My lad had his cloned and they used if for Dartford Crossing, ferries, and various TFL stuff. It was the surprising as the reg numbers and passenger details would have been logged for some of them.
When mine got done a while back, the bank's fraud team said they got a lot for Uber and food deliveries. Sometimes even to the scrotes' own addresses!
My lad had his cloned and they used if for Dartford Crossing, ferries, and various TFL stuff. It was the surprising as the reg numbers and passenger details would have been logged for some of them.
When mine got done a while back, the bank's fraud team said they got a lot for Uber and food deliveries. Sometimes even to the scrotes' own addresses!
Many years ago I had it with a credit card.
One of the transactions was from some kind of hifi store (might have been car audio, can't remember) - for about £400. I remember seeing it and thinking that it was the kind of place I might spend money, but was trying to remember what I'd bought.
It was only when I noticed pre-pay mobile top ups that I realised somebody else was charging stuff to the card.
One of the transactions was from some kind of hifi store (might have been car audio, can't remember) - for about £400. I remember seeing it and thinking that it was the kind of place I might spend money, but was trying to remember what I'd bought.
It was only when I noticed pre-pay mobile top ups that I realised somebody else was charging stuff to the card.
Paulsd said:
I think my debit card has been cloned as I just had four notifications pop up from my banking app for four transactions...
First one - £100
next three - £120
all to National Express.
I've frozen my card and am on the online chat to the bank (who are being slow and asking me if I recognise the transactions after confirming it was to a transport company!).
I assume they'll replace the card and I'll (eventually) get the money back but what I can't work out is what are the thieving b'stards buying?
Stop using a debit card for day to day purchases. It's your money and your risk.First one - £100
next three - £120
all to National Express.
I've frozen my card and am on the online chat to the bank (who are being slow and asking me if I recognise the transactions after confirming it was to a transport company!).
I assume they'll replace the card and I'll (eventually) get the money back but what I can't work out is what are the thieving b'stards buying?
Use a credit card. It's the issuers money and their risk.
CraigyMc said:
Stop using a debit card for day to day purchases. It's your money and your risk.
Use a credit card. It's the issuers money and their risk.
WrongUse a credit card. It's the issuers money and their risk.
https://www.fca.org.uk/consumers/unauthorised-paym...
cliffords said:
If it's debit as opposed to a credit card , I would prepare yourself for not getting the money back. It's not a given on debit that you will have it returned by the bank .
https://www.fca.org.uk/consumers/unauthorised-payments-accountIt’s only not a given in certain circumstances and similar circumstances can apply for a credit card too.
I've had it three times
1. Went to a famous restaurant in Paris for lunch - when I got home to London I found I'd bought £8,000 of clothing in one Paris shop. Money returned, card stopped. Obviously cloned at the restaurant... one of the most well known in Paris.
2. Found a holiday booked and airline tickets from Leeds (from memory) on my card - petrol station cloned the card is the suspicion. Despite the airline (Jet2) having the passenger names etc they wouldn't tell me under 'data protection' rules. Money returned card stopped.
3. Dropped my contactless card at Waterloo. On my train journey home my card was used in multiple food outlets (the app was pinging), I assume for sandwiches as they were all small purchases. I decided to wait until the evening to stop the card as the person using it was clearly more hungry than me and maybe really needed the food.
1. Went to a famous restaurant in Paris for lunch - when I got home to London I found I'd bought £8,000 of clothing in one Paris shop. Money returned, card stopped. Obviously cloned at the restaurant... one of the most well known in Paris.
2. Found a holiday booked and airline tickets from Leeds (from memory) on my card - petrol station cloned the card is the suspicion. Despite the airline (Jet2) having the passenger names etc they wouldn't tell me under 'data protection' rules. Money returned card stopped.
3. Dropped my contactless card at Waterloo. On my train journey home my card was used in multiple food outlets (the app was pinging), I assume for sandwiches as they were all small purchases. I decided to wait until the evening to stop the card as the person using it was clearly more hungry than me and maybe really needed the food.
It reads as below . I am really familiar with this through experience.
The original transactions the OP has now spotted and have taken place prior to notification to the Bank will not be refunded on a debit card transaction, other than at the Banks descression.
"Once you’ve told your bank, you won’t be responsible for any other unauthorised payments that might be made. Unless you’ve acted fraudulently."
It's true that charge backs are much easier with a credit card and also the ability to query an unknown transaction. I can do it on the app so I tend to stick to a credit card online instead of a debit card.
They will have bought travel tickets that get sold on cheaper for cash and if the old bill turn up to nick the punter on the specified seat number, they have an outta.
They will have bought travel tickets that get sold on cheaper for cash and if the old bill turn up to nick the punter on the specified seat number, they have an outta.
Thanks for all the replies! I hate these people with a passion (like most others, I presume)!
There was a 5th attempt which did go for approval which I obviously declined. All transactions were within about 30 seconds and I was in the middle of trying to freeze my card when the 5th one popped up.
The online chat was absolutley useless, basically trying to tell me that I must have forgotten payments were due to come out and they're all legit!
I got through to a UK based human on the phone eventually and they cancelled the card and ordered a new one. She said they can't do anything about disputing/recalling the payments until they have left the pending stage as if they recalled the money and then the fraudulent ones didn't go through, I'd get free money back.
Apparently nothing has been stolen yet as it's still in pendingm, aside from the fact that my available balance is reduced.
Will get on to them again today - the actual fraud team weren't open last night. Dirty theives only work 9-5 apparently so there's no need to have anyone at the bank covering out of hours.
Terminator X said:
Surprised that the bank let those payments through. Their systems are normally good at flagging unusual spend patterns.
TX.
Me too - I can rarely buy anything online without getting the approval request.TX.
There was a 5th attempt which did go for approval which I obviously declined. All transactions were within about 30 seconds and I was in the middle of trying to freeze my card when the 5th one popped up.
The online chat was absolutley useless, basically trying to tell me that I must have forgotten payments were due to come out and they're all legit!
I got through to a UK based human on the phone eventually and they cancelled the card and ordered a new one. She said they can't do anything about disputing/recalling the payments until they have left the pending stage as if they recalled the money and then the fraudulent ones didn't go through, I'd get free money back.
Apparently nothing has been stolen yet as it's still in pendingm, aside from the fact that my available balance is reduced.
Will get on to them again today - the actual fraud team weren't open last night. Dirty theives only work 9-5 apparently so there's no need to have anyone at the bank covering out of hours.
cliffords said:
It reads as below . I am really familiar with this through experience.
The original transactions the OP has now spotted and have taken place prior to notification to the Bank will not be refunded on a debit card transaction, other than at the Banks descression.
"Once you’ve told your bank, you won’t be responsible for any other unauthorised payments that might be made. Unless you’ve acted fraudulently."
Yes but it also statesThe original transactions the OP has now spotted and have taken place prior to notification to the Bank will not be refunded on a debit card transaction, other than at the Banks descression.
"Once you’ve told your bank, you won’t be responsible for any other unauthorised payments that might be made. Unless you’ve acted fraudulently."
If you didn’t authorise a payment, you should ask your bank for a refund. This refund should be in your account by the end of the next business day, along with any charges and interest you paid because of the transaction.
When you make your claim, your bank may ask you some questions and get you to fill out a form stating what happened. But it can’t delay your refund while it waits for you to return the form.
And more info here
https://www.moneyhelper.org.uk/en/everyday-money/c...
I had my business debit card done last month ... mutiple payments to Bolt which I've never used, probably totalling about £500 over a 4 week period. Barclays sent back to us within 24 hours ... my card gets used a lot for online payments with our suppliers, most of which I assumed were secure ... or for fuel/meals etc, but someone has gotten it from somewhere.
I think its only happened to me on my personal card once, but then, as others have said, I tend to use a credit card for most purchases.
I think its only happened to me on my personal card once, but then, as others have said, I tend to use a credit card for most purchases.
I had my credit card cloned many years ago, Natwest fraud rang me asking if I'd bought any hi-fi equipment in London recently, I said no, so the card was cancelled and the money returned within a few days.
At the time it did make me wonder if I could have bought it myself & simply waited for the fraud phonecall, considering I offered no evidence whatsoever.
At the time it did make me wonder if I could have bought it myself & simply waited for the fraud phonecall, considering I offered no evidence whatsoever.
Small update - managed to get through to the fraud team...
They said they're seeing lots of this - buying vouchers. Apparently, a retailer can influence the trigger point for 3DS authentication and many travel companies set the bar very high as they quite often have people doing multiple transactions (individual transactions when buying tickets for separate people). If the bank sees lots of fraud, they can enforce higher levels of checks.
They went through a few details and said they were able to identify the device making the transactions (iphone) and that it would be blocked.
Once the transactions leave pending and hit the account properly, I'll automatically get a refund the next working day.
Fingers crossed!
They said they're seeing lots of this - buying vouchers. Apparently, a retailer can influence the trigger point for 3DS authentication and many travel companies set the bar very high as they quite often have people doing multiple transactions (individual transactions when buying tickets for separate people). If the bank sees lots of fraud, they can enforce higher levels of checks.
They went through a few details and said they were able to identify the device making the transactions (iphone) and that it would be blocked.
Once the transactions leave pending and hit the account properly, I'll automatically get a refund the next working day.
Fingers crossed!
Just an ending from my point of view...
Refund appeared in my account today as a line called "Fraud Refund", the original transactions cleared and are still there.
Also, a new debit card came in the post.
Pretty quick service really - just under 36 hours and all sorted. Not sure it would have been that quick if I hadn't have flagged it but I can't fault Natwest.
Refund appeared in my account today as a line called "Fraud Refund", the original transactions cleared and are still there.
Also, a new debit card came in the post.
Pretty quick service really - just under 36 hours and all sorted. Not sure it would have been that quick if I hadn't have flagged it but I can't fault Natwest.
NDA said:
I've had it three times
.....
2. Found a holiday booked and airline tickets from Leeds (from memory) on my card - petrol station cloned the card is the suspicion. Despite the airline (Jet2) having the passenger names etc they wouldn't tell me under 'data protection' rules. Money returned card stopped.
I had flights bought with a credit card, and currency bought in a bank. .....
2. Found a holiday booked and airline tickets from Leeds (from memory) on my card - petrol station cloned the card is the suspicion. Despite the airline (Jet2) having the passenger names etc they wouldn't tell me under 'data protection' rules. Money returned card stopped.
I don't know if anyone looks into behind the scenes, but the people I dealt with at the card issuer (and I also had that car cloned three times) gave a very good impression of absolutely not giving a toss.
Similar to another poster, I did wonder if I could have just marked all the purchases in the previous month as fraudulent. I wouldn't have the balls to do that though!
I had mine done once, multiple mobile credits used for international calls and when followed up they were to a country that I expect matched the background of the operative in a petrol station I visited in Chorlton near Manchester. I got refunded, hadn't used the card for five days prior or a couple after before it happened, was pretty much straight away the transactions appeared.
I went back in and got some petrol, as I was paying I mentioned my little issue under the guise of I was a bit nervous of using my card as "Just had a load of fraudulent transactions for international calls, not sure how it happened, just goes to show how careful you have to be these days"
Recognised the guys face, he knew what I was saying and looked a little flustered, he knew exactly what i was saying.....
I went back in and got some petrol, as I was paying I mentioned my little issue under the guise of I was a bit nervous of using my card as "Just had a load of fraudulent transactions for international calls, not sure how it happened, just goes to show how careful you have to be these days"
Recognised the guys face, he knew what I was saying and looked a little flustered, he knew exactly what i was saying.....
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