Help my switch card has been cloned!
Discussion
Help my switch card has been cloned!
I have just had a call from the bank informing me that I was over my overdraft limit and that I would be receiving charges, when I asked why they said that a recent transaction had caused the issue. I was sure that I was in the clear but it would seem that £650 was taken from my account yesterday morning. The bank have stopped the card and suggested that I call the police.
However, that bank did not give any indication of returning the funds to me. Has this ever happened to anyone one here? Did you get your money back?
I have just had a call from the bank informing me that I was over my overdraft limit and that I would be receiving charges, when I asked why they said that a recent transaction had caused the issue. I was sure that I was in the clear but it would seem that £650 was taken from my account yesterday morning. The bank have stopped the card and suggested that I call the police.
However, that bank did not give any indication of returning the funds to me. Has this ever happened to anyone one here? Did you get your money back?
Happened to my wife 3 years ago. Get a crime number immediately, give that to the bank.
The police may say that it is the responsibility of the bank to report it (as technically it is the bank that has been defrauded not you). If they do, then get the policeman's name, number and direct dial and insist that the bank reports it. BTW the bank wont want to report it as its not in their interest to show how widespread this crime is.
Then get a list of where the money was spent and if they are shops then contact them asap to get their cctv recordings (if they have them).
Word of warning, the bank is not interested in finding out who did it, they are only interested in trying to prove that YOU did it, beyond that they will wash their hands of you. You will have to chase them hard to get your money back, though they will eventually pay up (it took us 3 months, the bank manager was a complete tosser)
The police may say that it is the responsibility of the bank to report it (as technically it is the bank that has been defrauded not you). If they do, then get the policeman's name, number and direct dial and insist that the bank reports it. BTW the bank wont want to report it as its not in their interest to show how widespread this crime is.
Then get a list of where the money was spent and if they are shops then contact them asap to get their cctv recordings (if they have them).
Word of warning, the bank is not interested in finding out who did it, they are only interested in trying to prove that YOU did it, beyond that they will wash their hands of you. You will have to chase them hard to get your money back, though they will eventually pay up (it took us 3 months, the bank manager was a complete tosser)
Happened to my wife 3 years ago. Get a crime number immediately, give that to the bank.
The police may say that it is the responsibility of the bank to report it (as technically it is the bank that has been defrauded not you). If they do, then get the policeman's name, number and direct dial and insist that the bank reports it. BTW the bank wont want to report it as its not in their interest to show how widespread this crime is.
Then get a list of where the money was spent and if they are shops then contact them asap to get their cctv recordings (if they have them).
Word of warning, the bank is not interested in finding out who did it, they are only interested in trying to prove that YOU did it, beyond that they will wash their hands of you. You will have to chase them hard to get your money back, though they will eventually pay up (it took us 3 months, the bank manager was a complete tosser)
The police may say that it is the responsibility of the bank to report it (as technically it is the bank that has been defrauded not you). If they do, then get the policeman's name, number and direct dial and insist that the bank reports it. BTW the bank wont want to report it as its not in their interest to show how widespread this crime is.
Then get a list of where the money was spent and if they are shops then contact them asap to get their cctv recordings (if they have them).
Word of warning, the bank is not interested in finding out who did it, they are only interested in trying to prove that YOU did it, beyond that they will wash their hands of you. You will have to chase them hard to get your money back, though they will eventually pay up (it took us 3 months, the bank manager was a complete tosser)
xm5er said:When this happened here at turbo towers earlier this year, our bank had the same attitude, but were otherwise very helpful. Had to complete a lengthy form with some stooopid questions but otherwise painless and we got the money back in a few days.
the bank wont want to report it as its not in their interest to show how widespread this crime is.
xm5er said:Same again here, someone 'used' my card for three transactions in the same day, these were reported as suspicious = fraudulent before the close of business. Two mysteriously dropped off the records the next day. The third was a subscription to Sky so that must surely be traceable, but the bank wouldn't say what if anything they were doing in terms of follow-up. "Here's your money back asap sir now is there anything else?"
the bank is not interested in finding out who did it
With our case it couldn't have been a skimmer and PIN grab, as for quite some time before the event I'd been covering the number keys when entering a PIN at ATMs, and would recognise the additional metalwork. We wondered about intercepted post, as the card is never left unattended - obviously it wasn't stolen - so its details couldn't have been copied directly. What are the other methods crims use to do this? The information is out there already surely so there's no harm in asking, the knowledge might help avoid these problems. Edited to add, our household doesn't throw statements and other finance details out with the rubbish so that's another route ruled out.
>> Edited by turbobloke on Tuesday 24th May 10:55
Sorry to hear that this has happened to you.
How things go from here will depend on who you bank with.
Happened to me 4 or 5 years ago when some f****r tried to put a £220 transaction onto my account. Noticed it when with a personal banker, as I did every month before I got into ibanking. Sorted out then and there money wise and new card etc.
Over the next month or so there were a few letters and forms to deal with but nothing too strenuous. All sorted out with minimum bother to me.
It was only after everything was put right that I found out that the head of Connect Card Fraud in the local area was best friend's g/f mother so whilst that might have helped with pushing the paperwork up the queue the initial service was just like anyone else would have got and that was the important bit.
Have to say massive
to Barclays - play by the rules and they are golden in my experience.
How things go from here will depend on who you bank with.
Happened to me 4 or 5 years ago when some f****r tried to put a £220 transaction onto my account. Noticed it when with a personal banker, as I did every month before I got into ibanking. Sorted out then and there money wise and new card etc.
Over the next month or so there were a few letters and forms to deal with but nothing too strenuous. All sorted out with minimum bother to me.
It was only after everything was put right that I found out that the head of Connect Card Fraud in the local area was best friend's g/f mother so whilst that might have helped with pushing the paperwork up the queue the initial service was just like anyone else would have got and that was the important bit.
Have to say massive
to Barclays - play by the rules and they are golden in my experience. turbobloke said:
What are the other methods crims use to do this? The information is out there already surely so there's no harm in asking, the knowledge might help avoid these problems.
Have you ever put a card receipt in the bin or out with the rubbish when you have paid for something? Many these days don't show the card number in full but old tec ones, and up to a few years ago, this isn't/wasn't the case.
Ever passed a card to the waiter to pay a bill and they go off to put it through the machine?
Just a couple that a layman like me have heard about. Another one is telephone/internet transactions. the Co. you are dealing with might be wonderful and also have top internet security but the £4.50 p/h person on the other end might not be...
At the end of the day these things might happen at any time so now I quickly check my account every 2 weeks minimum, keep almost every receipt and once a month go through checking off every transaction when I do the monthly finances - whole thing takes 30mins tops and any anomaly is thrown up before it's too late or you might have forgotten about that so and so you bought on the way to Brands/etc.
I had £800 ripped in Munich while i was playing Laser Quest in Guildford one Saturday afternoon with family. What was strange was that it was an ATM transaction so they had my PIN?
The card had only ever been used 3 times in an ATM. Two times were in Vancouver and I specifically remember inserting my card, typing the pin, and then the machine rejected the card. The machine was one of these free standing units in a cafe on Robson St.
Citibank cancelled the card, refunded the money on the spot, and then i sent off the Police forms. My local station had a full ncr pad specifically for card misuse.
I was told by the Police that the theft is committed against the owners of the cash machine. The fact a bit of plastic has access to your bank account does not mean you are liable. the bit of plastic (the atm card) is merely a tool used to convince the machine to hand out ££, in the same way a jcb is a tool to get money out of the machine.
Whether that is true I don't know.
The card had only ever been used 3 times in an ATM. Two times were in Vancouver and I specifically remember inserting my card, typing the pin, and then the machine rejected the card. The machine was one of these free standing units in a cafe on Robson St.
Citibank cancelled the card, refunded the money on the spot, and then i sent off the Police forms. My local station had a full ncr pad specifically for card misuse.
I was told by the Police that the theft is committed against the owners of the cash machine. The fact a bit of plastic has access to your bank account does not mean you are liable. the bit of plastic (the atm card) is merely a tool used to convince the machine to hand out ££, in the same way a jcb is a tool to get money out of the machine.
Whether that is true I don't know.
tinman0 said:
I had £800 ripped in Munich while i was playing Laser Quest in Guildford one Saturday afternoon with family. What was strange was that it was an ATM transaction so they had my PIN?
Mail was probably intercepted.
All this fraud will cease when swipes are removed from chip&pin cards shortly.
parrot of doom said:
[quote=tinman0]All this fraud will cease when swipes are removed from chip&pin cards shortly.
Fraud is still a problem in France, where they have had this for years. The chip and pin thing doesnt stop fraud, it just makes it the retailers fault, rather than the usurers.
chim_knee said:
Help! xm5er post has been cloned!
>> Edited by chim_knee on Tuesday 24th May 10:38
Indeed, how odd.
turbobloke said:
xm5er said:
the bank is not interested in finding out who did it
Same again here, someone 'used' my card for three transactions in the same day, these were reported as suspicious = fraudulent before the close of business. Two mysteriously dropped off the records the next day. The third was a subscription to Sky so that must surely be traceable, but the bank wouldn't say what if anything they were doing in terms of follow-up. "Here's your money back asap sir now is there anything else?"
With our case it couldn't have been a skimmer and PIN grab, as for quite some time before the event I'd been covering the number keys when entering a PIN at ATMs, and would recognise the additional metalwork. We wondered about intercepted post, as the card is never left unattended - obviously it wasn't stolen - so its details couldn't have been copied directly. What are the other methods crims use to do this? The information is out there already surely so there's no harm in asking, the knowledge might help avoid these problems. Edited to add, our household doesn't throw statements and other finance details out with the rubbish so that's another route ruled out.
>> Edited by turbobloke on Tuesday 24th May 10:55
We had £3.5k cleared out in the space of 2 days and somehow this didn't show up as odd. We suspected a couple of things, it was someone at the bank as the theft began on the day my wife paid in her wage cheque, so technically the transactions should have bounced. We also heard later that someone had been arrested at our local petrol station where a seperate swipe was being done to get card details.
It sounds like there are better banks out their than ours, world's local bank my arse.
.. Tis a big con!Cloning a card that retains encrypted data on the Chip is very very much harder than one that has the information on the magnetic stripe - such cards can be cloned with ease. (France will have to change to our Chip and PIN solution in the future as they do not comply to EMV standards - hurrah - a case where France has to change to comply with European standards!)
The scary thing, is when you think how many people in a day you expose your credit card details to. Even if you keep sight of your card at all times and destroy all your receipts - every EPOS system, PDQ system or manual swipe machine your card has passed through has a copy of your details on some sort of audit roll. Any dishonest person working for the outlet in which you used your card can note the details and pass/sell them on or use themselves!
The scary thing, is when you think how many people in a day you expose your credit card details to. Even if you keep sight of your card at all times and destroy all your receipts - every EPOS system, PDQ system or manual swipe machine your card has passed through has a copy of your details on some sort of audit roll. Any dishonest person working for the outlet in which you used your card can note the details and pass/sell them on or use themselves!
I still dont know why they dont just put your mugshot on the back of the card. Alot of retailers I've spoken to have said the same thing.
If some great big hairy gorilla is standing there and the mug shot shows a short white balding skinny white bloke then the retailer instantly knows there is a problem.
If some great big hairy gorilla is standing there and the mug shot shows a short white balding skinny white bloke then the retailer instantly knows there is a problem.
Just checking my statement online this morning, i noticed someone had charged £60 to DHL on our joint account last week. Called the bank and discovered it was done using my wifes card details over the phone. Immediately cancelled her card but the bank (world's local bank) reckon it will take around 8 weeks to investigate and refund the money.
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