Fraud on account with no usage outside direct debits
Discussion
Received a text message the other day from Lloyds saying we were about to go overdrawn. This was for our joint account which, despite having a debit card each, is never used for anything other than direct debit bill payments, and only enough goes in each month to cover the household bills. Turns out, someone had got hold of my wife’s debit card details and started making purchases on Amazon and another random site which Lloyds blocked.
Neither of us have ever used the debit cards anywhere, not for cash withdrawals, purchases, or online shopping. Not have we ever given out the bank details, other than to set up bill payments via DD. I even went through the entire transaction history to validate this (as the account is only a couple of years old).
So how the hell can someone get hold of the details to make a successful purchase? I see Lloyds are in the news today where people could see other folks account details. Anyone else experienced this before?
Neither of us have ever used the debit cards anywhere, not for cash withdrawals, purchases, or online shopping. Not have we ever given out the bank details, other than to set up bill payments via DD. I even went through the entire transaction history to validate this (as the account is only a couple of years old).
So how the hell can someone get hold of the details to make a successful purchase? I see Lloyds are in the news today where people could see other folks account details. Anyone else experienced this before?
Do you ever carry the debit card on your person? Victim of contactless card skimming fraud perhaps?
https://www.equifax.co.uk/resources/identity-prote...
https://www.equifax.co.uk/resources/identity-prote...
Edited by Shooter McGavin on Thursday 12th March 12:49
Shooter McGavin said:
As I say the debit cards haven’t left the house, and you can’t use contactless on AmazonGroomio said:
Yeah I mentioned that in my OP, however what happened to us was a week or so agoLRDefender said:
I've had something similar a while back and I am still non the wiser after the event, plus the bank weren't at all interested. The more I complained the more cash they gave me hoping I'd go away.
I hope you get everything satisfactorily resolved OP.
Thanks - they’ve not bothered to follow up with anything which is part of the frustration, despite lots of initial threats that if we are claiming fraud ‘fraudulently’ there will be repercussions etc.I hope you get everything satisfactorily resolved OP.
Inside job.
A bank employee has passed on your card details for money.
They were unlucky as you never use the cards so noticed quickly.
But they will be passing on thousands of customers card details so the bad guys still win.
Or it's you wife's 'friend' who swiped the details while he was 'visiting'.
A bank employee has passed on your card details for money.
They were unlucky as you never use the cards so noticed quickly.
But they will be passing on thousands of customers card details so the bad guys still win.
Or it's you wife's 'friend' who swiped the details while he was 'visiting'.
juggsy said:
Shooter McGavin said:
As I say the debit cards haven t left the house, and you can t use contactless on AmazonYou could still have taken them out of the house in a purse/wallet but never used them, which is what I was alluding to.
Lots of people have an 'emergency' card that they never use but carry on their person. Those are vulnerable to RFID scanning and use on a site such as Amazon that does not demand CVV numbers apart from at initial registration.
Only last week i had a notification from my bank (first direct) that a transaction of £0.00 had been declined to amazon as the expiry date was incorrect for my card.
I guess there is a bot program just guessing the 16 digit numbers and other details, which somehow automates with amazon, and when they get a match at £0.00 nobody really notices and then they can empty the account quickly before detection.
I guess there is a bot program just guessing the 16 digit numbers and other details, which somehow automates with amazon, and when they get a match at £0.00 nobody really notices and then they can empty the account quickly before detection.
OIC said:
Inside job.
A bank employee has passed on your card details for money.
Some banks have been known to have leaky call centres (especially the offshore ones) among other things.A bank employee has passed on your card details for money.
Best one I ever had was an account emptied via an internal transaction, which was also backdated to get even more money out (at a date when a big lump sum had been there) as it magicked up a fat overdraft on an account that shouldn't have been able to have one.
At least that one was easy to prove it wasn't me because it could only be done from inside.
LRDefender said:
I've had something similar a while back and I am still non the wiser after the event, plus the bank weren't at all interested. The more I complained the more cash they gave me hoping I'd go away.
I didn't get any money out of it, but had the same credit card hacked three times in quick succession after the card was re-issued - I stopped using it after the third time.What amazed me was the people I spoke to at the card company gave the impression of absolutely not giving a toss. I can only assume it was an inside job.
JoshSm said:
OIC said:
Inside job.
A bank employee has passed on your card details for money.
Some banks have been known to have leaky call centres (especially the offshore ones) among other things.A bank employee has passed on your card details for money.
Best one I ever had was an account emptied via an internal transaction, which was also backdated to get even more money out (at a date when a big lump sum had been there) as it magicked up a fat overdraft on an account that shouldn't have been able to have one.
At least that one was easy to prove it wasn't me because it could only be done from inside.
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