Arrrggghhh- Debit Card Fraud

Sajane

And i'm always so careful! Cross cut shred everything, guard my hand when inputting my PIN, always make sure the websites are secure if buying on-line.

Checked my account (Internat banking) this morning and saw 2 transaction, cash withdrawl in Rio Janeiro, Brazil equalling about £300!!

Got staright onto my bank, HSBC, they immediatley stopped my switch card and asked if i wanted to close my account etc... wasn't thinking straight, 101 things were whizzing through my head trying to pin point what i did wrong :mad:

Decided not to close/move my account, they said my card had probably been cloned at a ATM - GREAT!

Was very concerned as it hadn't been flagged by the bank, seeing as i was shopping in Matalan in my home town on Saturday eve and cash was been withdrawn in Brazil on Sunday....and i don't even have a valid passport! Should i persue this? The fact HSBC didn't flag it as a suspicious activity?? I don't travel, haven't been abroad for over 5 years, can never afford it!!

Anyways, they asked the relevent investigative questions, which seemed to satisfy them and should be getting my money back in 3-5 working days...PHEW!

Its funny how the fraudsters only took money out up to my limit and not over (into my overdraft) is this normal?

rb10

Sajane wrote: »

....and i don't even have a valid passport!

How is HSBC supposed to know which of it's customers own a valid passport??

Sajane

rb10 wrote: »

How is HSBC supposed to know which of it's customers own a valid passport??

I wasn't expecting them to know! I told them in the context that i can't travel die to this!!
And i would've offered to get evidence of this if they were going to question the fraudulent use of my card.

Thanks for your advice/input :silenced:

Debt_Free_Chick

Banks don't sit and monitor every single transaction - they rely on software to look for unusual spending patterns.

A one off cash withdrawal in a foreign country for a modest amount is unlikely to ring any alarm bells, though - this is a common transaction for those abroad on holiday.

I assume HSBC will refund the fraudulent transaction and any resulting charges? If so, then you don't have any loss - unless you have lost out, there's nothing to pursue.

Sajane

It was 2 seperate transaction as stated in my OP.

HSBC are investigating, until they have done so they will give me the decision if they're to refund it.