Stolen CC Details

lawrenson

Hi,

we were contacted by Egg Visa this morning to alert us to an "unusual pattern of activity" on our account.

Low and behold, someone has the CC details (but not the pin), and has been using it.

I strongly suspect one particular firm.

A payment I made with them on the 9th has gone through twice - and the trouble started then.

I have no direct proof. Is it worth reporting my suspicions to Egg, or to the police? Or will they not do anything?

Any advice appreciated.

Cheers,
Karen

latecomer

I believe in general the police are not interested its down to the credit card company to sort it out. As you said you dont have any proof and putting a payment through twice could be a simple mistake.

exel1966

lawrenson wrote: »

Hi,

we were contacted by Egg Visa this morning to alert us to an "unusual pattern of activity" on our account.

Low and behold, someone has the CC details (but not the pin), and has been using it.

I strongly suspect one particular firm.

A payment I made with them on the 9th has gone through twice - and the trouble started then.

I have no direct proof. Is it worth reporting my suspicions to Egg, or to the police? Or will they not do anything?

Any advice appreciated.

Cheers,
Karen

Has been using the card to what extent ? You've said a duplicate payment was taken. Is that the crux of it, because that's probably a simple mistake or is there more ?

If they don't have the pin number, then the onus falls back on the card provider/retailer and not the cardholder.

The simple solution is to cancel the card and request a new one be issued. If EGG seriously suspected foul play, they would have already advised/done it.

lawrenson

Hiya,

sorry, should have made myself more plain

Since the 9th there have been a number of fraudulent uses of the card - a few over the weekend - and a £500 one today.

I haven't used the card in the week running up to the 9th - tho I did use it twice over the weekend.

The card was cancelled earlier today.

So far, Egg could only say where a few of the items were bought - I am waiting for a callback from their Fraud Department for further details. All payments on the card have been suspended.

One payment was in a Sports shop where I DEFINTELY haven't been!

I think it was caught early enough so that we haven't actually lost anything - however the poor retailers will have done.

I guess that altho this is a crime, the police will probably not be interested in it?

Cheers,
karen

exel1966

Personally I would leave it to the EGG fraud department to involve the police, that's what they are there for.

They will involve them when they can trace/find further information about how/where/by whom the card has been used.

Interesting that a number of retailers would accept the card with signature only and without a pin, unless they were all online purchases of course.

James

Personally I would report it to the police and get a crime reference/incidence number and here's why:

1. It can help convince your bank you really are a victim.

2. If per chance other victims in your area do the same, it might, just might alert police to the source of the compromise. Thus allowing early intervention.

I know the police in my area actively encourage people through the local press to report card fraud to them.

But don't expect the police to investigate.

Exel1966 makes a good point. I'd ask your card issuer to confirm how the purchase in the sports shop was made and how the transaction was authenticated.

Reason for doing this is if the transaction was carried out using a PIN (although you say it's not) this will give you the opportunity to either change your PIN or get yourself a Chip & SIGNATURE card.