Credit card fraud - my first experience
Discussion
Am I in the right board I have no idea.
But just been hit on my credit card. C
u n t s
bank contacted me to say my card has been used fraudulently. How they knew I don't know.
But some fucker had taken £105 from my card on a Asda online order
Ok could have been worse but still how on hell did they get my number??????????
I only use Paypal a small bit, I don't bank online or do any banking of such online.
and last thing I bought on my card was tee's from A fourm I post on very often
But just been hit on my credit card. C
u n t s bank contacted me to say my card has been used fraudulently. How they knew I don't know.
But some fu
cker had taken £105 from my card on a Asda online orderOk could have been worse but still how on hell did they get my number??????????
I only use Paypal a small bit, I don't bank online or do any banking of such online.
and last thing I bought on my card was tee's from A fourm I post on very often
E31Shrew said:
Same as you. Dont bank online and have only purchased from Amazon and Ebay. Mine was tracked to a dodgy cashpoint in a garage.
I don't use my CC to withdraw cash ever and thus not used in a cash machinejust wondering how this was done?
doing my head in thinking about it.
RemaL said:
E31Shrew said:
Same as you. Dont bank online and have only purchased from Amazon and Ebay. Mine was tracked to a dodgy cashpoint in a garage.
I don't use my CC to withdraw cash ever and thus not used in a cash machinejust wondering how this was done?
doing my head in thinking about it.
Many 1000's of people have found that their bank account has been emptied without their knowing and they were the victim of a massive scam that is sweeping across the UK.
So how does it work and what do you have to watch out for?
1. The most simple type of scam at the cash point is the 'Lebanese loop'
This is a piece of tape, usually from a video cassette which is inserted in the cashpoint and retains your card, as it stops the machine from returning it. So you punch the numbers in the machine and it does nothing and your card is retained.
Meanwhile someone is watching you, notes your PIN and removes your card when you have gone and empties your account.
There are other varieties of this method but they basically do the same.
2. The SKIMMER. This is a device which is placed over the card slot. It contains a reading device, battery and storage chip. You put your card in, it reads the magnetic strip and stores it on the chip. After a while the criminal removes the device and plugs it into his computer and all the credit and debit card numbers are there and he can clone cards for use on the internet etc.
You won't know you have been had for quite some time.
3. The SKIMMER and CAMERA. This is really ingenious. This is mostly organised crime from Romania and other old East Euro countries being used here on us rich folks. They use hired hands to place the devices on the machines and they will be close by, parked in a car.
First the hired hand goes to the machine when it is quiet and places the skimmer over the card slot. Second a mini camera is placed above the keypad, it is usually disguised as part of the machine. Sometimes it may appear in a fake leaflet holder to the side of the keypad. Either way it's a camera linked by digital signal to a laptop nearby. You put your card in the slot and the skimmer reads the strip and retains the details. The camera watches you type your numbers in and it viewed by the henchman in the car. The 2 are married up and they have your card no and PIN.
Next several hundred clubcards are purloined from Tesco and the strips recorded with your information. That little white bit you normally sign is just the right size to write on the pin number they saw you type in.
Voila...one cloned card.
Go back to London or other major city and take your card and PIN and use is just before midnight, Maximum allowance taken out.... then after midnight another days allowance until you are bled dry over a few days or you find out and stop it. One session of skimming can net 1,000,000's of pounds
Very crafty. BUT Moneysavers are needed to help catch them out...
Here's how.
First look for any sign of tampering with the cashpoint. Most cashpoint slots have dirty clear plastic, flush mounted slots. If in doubt run your fingers over it. Anthing stuck proud off the face are suspect.
Look for odd bits of plastic mounted around and above the pin keypad.
Place your hand over the keypad, when typing with the other hiding your number.
If you card does not go in easily and the machine looks normal, don't use it.
The most common targets are supermarket machines and busy late night spots where you must have more beer and kebab money.
Look for odd people nearby. NEVER attempt to aprehend them unless you are trained as such.
Keep an eye out for people feeding several cards into a machine and taking out lots of cash.
If anything looks suspicious CALL POLICE 999 Try and note descriptions and reg numbers etc.
Hope this helps save us all some grief and put the CRILL behind bars
RemaL said:
still I don't use my card in machine at all. only for paying for something over £100 from a company I know well. Not from dodgy websites I only used the card about 3 times in the US back about 6 weeks ago so for something coming from a supermarket in the UK from my card is strange
Did you let the card out of your sight at all in the US?Few months ago the wifes card had an odd charge on it for an O2 prepay phonecard.
We both have contracts so she ran the bank. When she got to the fraud department, they said they had someone try and spend £1.50 on iTunes but was declined. Now the funny bit, as she was on the phone with the account in front of the woman at the bank, the cheeky feckers spent £400!
Needless to say the amount was declined and a new card sent out.
Thing is there are so many ways to nick someones details and some sites still dont have password protection on cards transactions.
We both have contracts so she ran the bank. When she got to the fraud department, they said they had someone try and spend £1.50 on iTunes but was declined. Now the funny bit, as she was on the phone with the account in front of the woman at the bank, the cheeky feckers spent £400!
Needless to say the amount was declined and a new card sent out.
Thing is there are so many ways to nick someones details and some sites still dont have password protection on cards transactions.
s.m.h. said:
Few months ago the wifes card had an odd charge on it for an O2 prepay phonecard.
We both have contracts so she ran the bank. When she got to the fraud department, they said they had someone try and spend £1.50 on iTunes but was declined. Now the funny bit, as she was on the phone with the account in front of the woman at the bank, the cheeky feckers spent £400!
Needless to say the amount was declined and a new card sent out.
Thing is there are so many ways to nick someones details and some sites still dont have password protection on cards transactions.
Thats exactly how we first saw that we had been scammed. £10.00 on a phone card. Then another £6000 [ overdrawn!] over the next 3 weeks. Plane tickets, ferry tickets, congestion charge and a ruck of furniture all delivered to a Nigerian woman in Dublin.We both have contracts so she ran the bank. When she got to the fraud department, they said they had someone try and spend £1.50 on iTunes but was declined. Now the funny bit, as she was on the phone with the account in front of the woman at the bank, the cheeky feckers spent £400!
Needless to say the amount was declined and a new card sent out.
Thing is there are so many ways to nick someones details and some sites still dont have password protection on cards transactions.
s.m.h. said:
Few months ago the wifes card had an odd charge on it for an O2 prepay phonecard.
We both have contracts so she ran the bank. When she got to the fraud department, they said they had someone try and spend £1.50 on iTunes but was declined. .
AHhh hey did say about the £1 I spent on Itunes But I do sometimes buy a game or something for my ipod but not a £1 (I think) as I have my itunes going onto my CC. As for the letting my card out of my sight in the US I never did. Same when I was in Le mans last week. I had my card on me But never used it and kept my wallet on me at all times We both have contracts so she ran the bank. When she got to the fraud department, they said they had someone try and spend £1.50 on iTunes but was declined. .
RemaL said:
Am I in the right board I have no idea.
But just been hit on my credit card. C u n t s
bank contacted me to say my card has been used fraudulently. How they knew I don't know.
But some fucker had taken £105 from my card on a Asda online order
Ok could have been worse but still how on hell did they get my number??????????
I only use Paypal a small bit, I don't bank online or do any banking of such online.
and last thing I bought on my card was tee's from A fourm I post on very often
Mine has been done 3 times so far in the last 4yrs. I don't use it at cash machines, it's not on Paypal and although I do buy online, it's usually places like Amazon/Play,etc. Every time they (card issuer) have rung me up to tell me and it's been sorted out at no cost to me, other than the hassle of having no credit card for a week.But just been hit on my credit card. C
u n t s bank contacted me to say my card has been used fraudulently. How they knew I don't know.
But some fu
cker had taken £105 from my card on a Asda online orderOk could have been worse but still how on hell did they get my number??????????
I only use Paypal a small bit, I don't bank online or do any banking of such online.
and last thing I bought on my card was tee's from A fourm I post on very often
The last time I got really concerned as it was 3 times in 3yrs, so instead of just saying "thanks" I made more of a fuss and had several conversations with people in their security/fraud dept. I'd stopped using the card at petrol stations (already mentioned) and had used cash for most local purchases, so there weren't many places it could have leaked from - say 20-30 tops and I'd listed them on my statements.
They were cagey at first, but eventually I learnt that;
1. The retailer pays, not them. If a retailer despatches goods to another address and it goes wrong, they lose. Don't know how this works for phone top ups but with delivered goods they just do a cross check and then recover the money from the retailer. I interpret this to mean they have little incentive to solve these crimes - the retailer has to chase up the delivery address and most don't bother.
2. All my frauds were on-line, "customer not present" things. All of mine seemed to start off with non-deliverables like phone top-ups to check the cards worked, and then on to small purchases for delivered things
3. The guy did say that in their experience most number thefts were by data being leaked and not the fault of the card owner. When you think that most online places will store your details and most high street shops will be using computer processing, it's not surprising. The database may be hack-proof (if there is such a thing) but nothing stops an employee simply noting down the odd few random cards when they have access to the data, does it ? If someone is leaking 100 cards a week it might be traced, but the odd 4-5 and it's very unlikely.
If it's any re-assurance, they picked mine up on the first or second purchase which I thought was pretty impressive. But after the last time I did start going on-line and checking the account from my PC so if it happens again it might be me ringing them.
It happened to me a few years ago. The first I knew of it was when my card was declined at B&Q, I had to speak to the card company at the checkout to confirm my identity before I could get the (very small) transaction approved. When I got home I checked my account online and spoke to the card fraud department, the card statement showed that there were several small charity donations (apparently standard practice to make sure the card worked), followed by loads of airline tickets. The people at the fraud department were very apologetic that they hadn't spotted it earlier as there was a classic pattern, but they cancelled my card, refunded the money and sent a new card pretty much instantly.
The only thing that I found to be a bit disappointing was that there was absolutely no interest shown in finding out how the fraud happened, going over my statement I was pretty sure that I knew when and where the card details were taken (a petrol station on the A12) but the attitude seemed to be that the credit card company would get a refund from the retailers and that was that. 'Card holder not present' transactions seem to be pretty much the retailers problem if they go wrong.
The only thing that I found to be a bit disappointing was that there was absolutely no interest shown in finding out how the fraud happened, going over my statement I was pretty sure that I knew when and where the card details were taken (a petrol station on the A12) but the attitude seemed to be that the credit card company would get a refund from the retailers and that was that. 'Card holder not present' transactions seem to be pretty much the retailers problem if they go wrong.
Maybe some of the solution would be to refuse delivery to any other address than the cardholder - unless say, you have a list of approved addresses previously arranged at a local branch.
The business card I use is registered elsewhere, but I still have to know that address and quote it - even to those companies I frequently use.
Do these airline tickes not need passport details etc to confirm booking? Christ I hate booking flights as they want everything bar the size of your kitchen sink.....
Slightly OT but anyone know the change in loses switching from signature to pin ?
Online companies need to ensure they have the additional security questions added when ordering, Im still suprised at the number of stores that dont have the pop-up window appear with password and pin request after taking card details.
I guess they feel they would lose sales if you had to put another few numbers in?
The business card I use is registered elsewhere, but I still have to know that address and quote it - even to those companies I frequently use.
Do these airline tickes not need passport details etc to confirm booking? Christ I hate booking flights as they want everything bar the size of your kitchen sink.....
Slightly OT but anyone know the change in loses switching from signature to pin ?
Online companies need to ensure they have the additional security questions added when ordering, Im still suprised at the number of stores that dont have the pop-up window appear with password and pin request after taking card details.
I guess they feel they would lose sales if you had to put another few numbers in?
s.m.h. said:
Maybe some of the solution would be to refuse delivery to any other address than the cardholder - unless say, you have a list of approved addresses previously arranged at a local branch.
The business card I use is registered elsewhere, but I still have to know that address and quote it - even to those companies I frequently use.
Do these airline tickes not need passport details etc to confirm booking? Christ I hate booking flights as they want everything bar the size of your kitchen sink.....
Slightly OT but anyone know the change in loses switching from signature to pin ?
Online companies need to ensure they have the additional security questions added when ordering, Im still suprised at the number of stores that dont have the pop-up window appear with password and pin request after taking card details.
I guess they feel they would lose sales if you had to put another few numbers in?
We sell televisions etc over the internet so are a target for cloned cards. We employee someone who's sole job it is to go through every single order and authorise them from a security point of view. If the delivery address is different to the card holders address they nearly always get a phonecall requesting a bill or something else to verify they do in fact live at the card holders address.The business card I use is registered elsewhere, but I still have to know that address and quote it - even to those companies I frequently use.
Do these airline tickes not need passport details etc to confirm booking? Christ I hate booking flights as they want everything bar the size of your kitchen sink.....
Slightly OT but anyone know the change in loses switching from signature to pin ?
Online companies need to ensure they have the additional security questions added when ordering, Im still suprised at the number of stores that dont have the pop-up window appear with password and pin request after taking card details.
I guess they feel they would lose sales if you had to put another few numbers in?
Even doing this, we've still had a chargeback (where the banks claim the money back from us) in the past few months, though that's quite a good record considering the volume of orders and high risk.
Some fraudsters are very clever, they'll even have the goods delivered to the card holders address and wait around the corner, pretending to have just gotten home when the delivery turns up so they can take the delivery outside the property.
cheers for the feedback. The one thing I want to find out is if the CC company find out who the Asda Online order went to. Just to know what happened. I am awaiting my statment int he next day or 2 and can have a look and see what has been added or not. then pay what is mine and send off another letter to the CC company to inform them what is not mine.
b2hbm said:
3. The guy did say that in their experience most number thefts were by data being leaked and not the fault of the card owner. When you think that most online places will store your details and most high street shops will be using computer processing, it's not surprising. The database may be hack-proof (if there is such a thing) but nothing stops an employee simply noting down the odd few random cards when they have access to the data, does it ? If someone is leaking 100 cards a week it might be traced, but the odd 4-5 and it's very unlikely.
^ This. Employee leakage.I have a card I only use for online purchases and it's been scammed several times. As others have said, the card company don't seem to give a toss. I called one of the retailers (an online jewellery place) and spoke to the manager and he was very pissed that their system had failed and they'd shipped to a different address because that meant he'd get a charge back.
I've twice had flight tickets bought, and, as others have said, I'm astonished that no effort is made to track who actually used the ticket. I've seen it suggested that they're cashed in before use, but that seems unlikely on any scale that would make it worthwhile.
Bit of a thread resurrection.. Tonight I also had a call from my credit card company asking if I could confirm some payments. 1 was good, the other I couldn't think of. The woman that called gave me a website that they had used to spend £70, one that I had never heard of so cancelled the card.
I can only assume the card secure password isn't needed on certain sites and so check them as a matter of course.
Good job Ive got another one while this ones replaced!
I can only assume the card secure password isn't needed on certain sites and so check them as a matter of course.
Good job Ive got another one while this ones replaced!
My debit card was used fraudulently a couple of months back.
They spent around £200 online shopping, for some curtains and some lego if I remember correctly
The bank were onto me straight away, and I got the money back no problems, was very impressed! I also have no idea how they got my details.
They spent around £200 online shopping, for some curtains and some lego if I remember correctly
The bank were onto me straight away, and I got the money back no problems, was very impressed! I also have no idea how they got my details.
E31Shrew said:
Mine was tracked to a dodgy cashpoint in a garage.
This happened to me last year...twice!!They "test the water" to begin with by trying a small amount (e.g. payg mobile voucher). Then once they know that goes through...WHAM!
Got hit for a colour TV at Curry's, various clothes from a online catalogue and numerous other bits to a total of £850.
Bank was great though, just sent me a form to fill in with the amounts/debits I was not familiar with, and they paid me back within the week.
Had forgotten about it then some months later Currys sent me a reminder to take out an extended warranty for the tv!!
One of the airlines I work with are very good at spotting fraudulent credit card transactions.
We know before the 'passenger' arrives.
Nine times out of ten the passenger has checked in online and printed a boarding card. I work in a Schengen airport, so these dodgy passengers go straight to the gate area of 6 gates after passport control. They are stuck there, either they go on a plane or they have to speak to the police to get let out again.
We know about the fraud before they even get to the airport, we offload them before they arrive so their boarding card is now useless, unknown to them.
I'll go to the gate and call them over. They know the game's up straight away, and as far as I'm concerned all 'Customer Care' is out of the window. I'll have my laugh with them and vent a weeks worth of stress and pent up anger, and then hand them over to the police who are glad of a bit of action in an otherwise uneventful airport.
The only downside is passengers seeing police escort other passengers away, so I try to do it at another gate if possible. Even better is when I ask the police to wait on one side of a door, say to the 'passenger' 'just through here', and wait until they see the police waiting. You can usually pinpoint the exact moment their arse drops.
We know before the 'passenger' arrives.
Nine times out of ten the passenger has checked in online and printed a boarding card. I work in a Schengen airport, so these dodgy passengers go straight to the gate area of 6 gates after passport control. They are stuck there, either they go on a plane or they have to speak to the police to get let out again.
We know about the fraud before they even get to the airport, we offload them before they arrive so their boarding card is now useless, unknown to them.
I'll go to the gate and call them over. They know the game's up straight away, and as far as I'm concerned all 'Customer Care' is out of the window. I'll have my laugh with them and vent a weeks worth of stress and pent up anger, and then hand them over to the police who are glad of a bit of action in an otherwise uneventful airport.
The only downside is passengers seeing police escort other passengers away, so I try to do it at another gate if possible. Even better is when I ask the police to wait on one side of a door, say to the 'passenger' 'just through here', and wait until they see the police waiting. You can usually pinpoint the exact moment their arse drops.
Edited by sneijder on Thursday 21st October 19:39
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