debit card fraud

doelani

Someone I know has just rang me, he noticed some transactions for 02 topups on his bank statement. This guy never checks bank statements but after seeing this looked over old statements and these transactions have been going out of the accounts for months.

They phoned there bank and where told that they might be able to get the money back that has been taken for last 2 months.

Am I right in thinking it is the customers responsibility to check statements and notice things like this?

Lokolo

Because obviously the bank is going to check every o2 top up that occurs on everyones statements...

Yes, its the users repsonsilibility. The bank will obviously flag up things like, abroad and home transactions which occur at the same time and things like that. But for phone topups, how is the bank going to know if its the bank holder whose doing it or someone who has taken card details?

doelani

Lokolo wrote: »

Because obviously the bank is going to check every o2 top up that occurs on everyones statements...

Yes, its the users repsonsilibility. The bank will obviously flag up things like, abroad and home transactions which occur at the same time and things like that. But for phone topups, how is the bank going to know if its the bank holder whose doing it or someone who has taken card details?

yes I agree, I do not think he will get the money refunded by bank, he should have noticed, I woudl notice if money was missing form my account

Lokolo

The bank will obviously investigate but clearly as phone top up is going to be extremely hard to find fraud involved.

His card has obviously been used, get a new one ASAP, then it can't be used again.