Possible fraudulent transactions - experiences?
Discussion
Right, so, I decided to check my bank balance via online banking. There is a considerable (thousands) discrepancy between my actual and available balance on one of my accounts. No actual transactions showing yet.
I've checked I've got the card here, in my wallet. Never used it for any chip + pin transactions, always withdraw cash (from a machine in a branch) before spending.
Rang the branch who say "It's a chip and pin transaction, but it hasn't gone through yet. It will probably be returned to your account in a few days - we can't see what company has tried to take it yet".
Not good enough.
Spoke to the fraud squad who said "It's a chip and pin transaction, but it hasn't gone through yet. It will probably be returned to your account in a few days - we can't see what company has tried to take it yet".
Has anyone had this happen before? What do I do from here? Do I seriously have to wait it out like the bank suggest?
I've checked I've got the card here, in my wallet. Never used it for any chip + pin transactions, always withdraw cash (from a machine in a branch) before spending.
Rang the branch who say "It's a chip and pin transaction, but it hasn't gone through yet. It will probably be returned to your account in a few days - we can't see what company has tried to take it yet".
Not good enough.
Spoke to the fraud squad who said "It's a chip and pin transaction, but it hasn't gone through yet. It will probably be returned to your account in a few days - we can't see what company has tried to take it yet".
Has anyone had this happen before? What do I do from here? Do I seriously have to wait it out like the bank suggest?
randlemarcus said:
I'd get back onto the Fraud lot, and get that card cancelled, and a new one issued quicksmart, if they havent done that yet. Otherwise, yep, wait it out for a couple of days.
I've already pushed them to cancel the card, which they grudgingly have. And I've transferred the remaining funds out.randlemarcus said:
whitevanman88 said:
I've already pushed them to cancel the card, which they grudgingly have. And I've transferred the remaining funds out.
And then change your bank. Guess you only find out how good the customer service is when you actually need it.Going through this at the moment.
Postal theft around the xmas period meant all my post was intercepted, they garnered enough information to order replacement credit/debit cards with pin numbers - and intercept it all before I knew what had happened.
Current fraud total stands at £37,000.
As in your situation, nothing can be done until the funds exit the account (mighty annoying on my current account where they lifeted 9k and direct debits began to fail!)
You will then get a declaration form to fill out confirming you were not the one carrying out said transactions, return it and wait.
Police don't want to know, neither does the post office. Not sure what amount you have to reach before somebody takes an interest.
6 weeks on, Barclaycard have refunded 10k, the others are still chasing their tails.
Cancel ALL your cards in case they have access to other accounts. I have changed my postal address and will change banks as soon as my current account is sorted.
Postal theft around the xmas period meant all my post was intercepted, they garnered enough information to order replacement credit/debit cards with pin numbers - and intercept it all before I knew what had happened.
Current fraud total stands at £37,000.
As in your situation, nothing can be done until the funds exit the account (mighty annoying on my current account where they lifeted 9k and direct debits began to fail!)
You will then get a declaration form to fill out confirming you were not the one carrying out said transactions, return it and wait.
Police don't want to know, neither does the post office. Not sure what amount you have to reach before somebody takes an interest.
6 weeks on, Barclaycard have refunded 10k, the others are still chasing their tails.
Cancel ALL your cards in case they have access to other accounts. I have changed my postal address and will change banks as soon as my current account is sorted.
I've had this a couple of times.
Once on a credit card that i've never used - don't even take the card out with me or know the pincode.
Someone had topped a phone up with £40 twice & tried to pay £20 to the city of London.
I got it back eventually but it took Natwest long enough.
Happened a second time to me to pay a Vodafone contract monthly payment of circa £40.
Then £20 to 02.
Neither of which i have any dealings with.
Again i got it back but it took Natwest long enough to do it.
Once on a credit card that i've never used - don't even take the card out with me or know the pincode.
Someone had topped a phone up with £40 twice & tried to pay £20 to the city of London.
I got it back eventually but it took Natwest long enough.
Happened a second time to me to pay a Vodafone contract monthly payment of circa £40.
Then £20 to 02.
Neither of which i have any dealings with.
Again i got it back but it took Natwest long enough to do it.
The worrying thing is that if fraud is being carried out on cards that have never been in a chip and PIN machine, is there not a high chance, bar cloning in the machines, that the problem therefore lies with security INSIDE the organisation that provides the card. This is clearly where the issue lies.
This is the reason I have one card with a self imposed low limit for online shopping, one purely for booking holidays, and another for daily use. At least I may have a clue how it happened if and when the worst happens.
Luckily the worst I have had is a bunch of immigrants in Birmingham setting up a Virgin contract mobile phone in my name. Despite me doing some detective work and tracing it back to some dodgy Jihad phone store in Birmingham and passing my findings onto both Virgin and the police, neither were remotely interested....
This is the reason I have one card with a self imposed low limit for online shopping, one purely for booking holidays, and another for daily use. At least I may have a clue how it happened if and when the worst happens.
Luckily the worst I have had is a bunch of immigrants in Birmingham setting up a Virgin contract mobile phone in my name. Despite me doing some detective work and tracing it back to some dodgy Jihad phone store in Birmingham and passing my findings onto both Virgin and the police, neither were remotely interested....
Engineer1 said:
They are better than Lloyds potentially, who stop cards without informing you that they have, then wait for you to query what is happening
I've had that from Lloyds in the past, but they seem to be better now.To their credit though, I had a dodgy transaction come through on my card a couple of years back, phoned up Lloyds and said it wasn't me and the transaction was removed the next day, no questions asked.
bazking69 said:
The worrying thing is that if fraud is being carried out on cards that have never been in a chip and PIN machine, is there not a high chance, bar cloning in the machines, that the problem therefore lies with security INSIDE the organisation that provides the card. This is clearly where the issue lies.
Very unlikely to be a problem with the security inside the card provider. It's more likely that the card has been cloned somewhere (or at a less than reputable online company) and the fraud has been committed over the internet - C&P won't help online.
How about this one.
In 2007 my dughter went away to University and her bank presented her with a Mastercard credit card. This is a certain bank based in a former colony and in a second asiatic country.
Being well trained by me she only buys what she can afford and had never used the card, but in July 2008 she took the card on holiday ( just in case) to Spain where it was stolen along with her bag.
We cancelled everything immediately, the same day, got a crime number from the Spanish police etc , and she duly got a new Mastercard Credit Card with a new number, along with her debit card, driving licence, student card etc.
18 months later we get Mastercard statement, we've never had one before as the card has never been used, and it transpires that for 18 months some Spanish pikey has been using my daughters cancelled credit card to pay for his car parking in Spain.
The bank that issued the credit card then, because the replacement mastercard account was dormant, put through a ONE pence debit on the new card number, then immediately credited back the ONE pence charge ( thus opening the account) and then they put all the parking charges from Spain, from a cancelled credit card on the replacement credit card.
The bank therefore facilitated a fraudulent use of my daughters cancelled credit card, when they knew 18 months previously that it had been stolen, and sought to put the charges on the new credit card even specially opening the account to do so.
Needless to say I wasn't happy when spoke to the off shore fraud "helpdesk" on my daughters behalf. Yes Gujarati "Dave" I'm talking about you.
It transpires that as long as the sums are not too large, (eg car parking fees) cancelling a credit card has no effect on its transactional abilities.
The bank will simply attempt to bill your new credit card for the fraudulent transactions on your old cancelled card, even using false transactions of their own to do so.
When I queried this policy the comment was made that as we had complained the charges would be cancelled, but if we hadn't complained they would have gone through as normal.
b
ds.
Cheers,
Tony
In 2007 my dughter went away to University and her bank presented her with a Mastercard credit card. This is a certain bank based in a former colony and in a second asiatic country.
Being well trained by me she only buys what she can afford and had never used the card, but in July 2008 she took the card on holiday ( just in case) to Spain where it was stolen along with her bag.
We cancelled everything immediately, the same day, got a crime number from the Spanish police etc , and she duly got a new Mastercard Credit Card with a new number, along with her debit card, driving licence, student card etc.
18 months later we get Mastercard statement, we've never had one before as the card has never been used, and it transpires that for 18 months some Spanish pikey has been using my daughters cancelled credit card to pay for his car parking in Spain.
The bank that issued the credit card then, because the replacement mastercard account was dormant, put through a ONE pence debit on the new card number, then immediately credited back the ONE pence charge ( thus opening the account) and then they put all the parking charges from Spain, from a cancelled credit card on the replacement credit card.
The bank therefore facilitated a fraudulent use of my daughters cancelled credit card, when they knew 18 months previously that it had been stolen, and sought to put the charges on the new credit card even specially opening the account to do so.
Needless to say I wasn't happy when spoke to the off shore fraud "helpdesk" on my daughters behalf. Yes Gujarati "Dave" I'm talking about you.
It transpires that as long as the sums are not too large, (eg car parking fees) cancelling a credit card has no effect on its transactional abilities.
The bank will simply attempt to bill your new credit card for the fraudulent transactions on your old cancelled card, even using false transactions of their own to do so.
When I queried this policy the comment was made that as we had complained the charges would be cancelled, but if we hadn't complained they would have gone through as normal.
b
ds. Cheers,
Tony
i paid my new "chatchat" landline bill with my debit card as the DD was not active yet, and discovered when my line was blocked 3 days later that the payment was not taken, and that the operative in their london callcentre had not put through the transaction (despite putting all details of it on the file notes: fail) and had used my card details to top up his mobile, pay for itunes downloads and generally be a thieving pikey b'stard.
hey ho..
it happens, but it's worrying as there is nothing I (we?) can do about it ither than trust the recruitment policies and, I guess, the instincts of the recruiting staff.......
hey ho..
it happens, but it's worrying as there is nothing I (we?) can do about it ither than trust the recruitment policies and, I guess, the instincts of the recruiting staff.......
I know of a place where someone working in the IT support department diverted credit cards refunds in the database elsewhere, so he could collect that money.
Criminal mastermind... apart from two tiny details that got him caught.
1. The brand new BMW in the work car park
2. He replaced the credit card numbers with his own credit card that was registered to his home address!
Criminal mastermind... apart from two tiny details that got him caught.
1. The brand new BMW in the work car park
2. He replaced the credit card numbers with his own credit card that was registered to his home address!
CobolMan said:
bazking69 said:
The worrying thing is that if fraud is being carried out on cards that have never been in a chip and PIN machine, is there not a high chance, bar cloning in the machines, that the problem therefore lies with security INSIDE the organisation that provides the card. This is clearly where the issue lies.
Very unlikely to be a problem with the security inside the card provider. It's more likely that the card has been cloned somewhere (or at a less than reputable online company) and the fraud has been committed over the internet - C&P won't help online.I logged on to my online credit card account to check the balance because I knew I was in credit, I just didn't know exactly how much, and I found that my account balance was £825. Phoned them up and told them that someone has fraudulently spent £825 of my money (well, credit). After a quick chat they froze the account.
I recieved a letter yesterday saying I have to phone the fraud squad to straighten things out.
Nightmare!
I recieved a letter yesterday saying I have to phone the fraud squad to straighten things out.
Nightmare!
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