Money withdrawn from cash machine even though I have card

ChloeRadshaw

I have reported this and the bank is being helpful - However I cannot understand how this is possible?

I have the card and it has chip and pin which cannot be skimmed.

How do scammers do this?????

KILL_BILL

they put a camera in the machine a record you put the pin in and clone your cqard from the reader

agsnu

Where was the withdrawal made? Was it abroad?

ChloeRadshaw

No - It was near to where i live.

Even if thy had put a camera nearby, how would this have helped?

Is chip and pin not checked in the ATM

James

I made a posting on how to spot Dodgy ATMs including pictures and M.O. of Fraudsters.

Click here.

DCFC79

OP you need to check the atm everytime you ujse 1, if it looks iffy dont use it, if you need cash then buy something from a supermarket, id only use atms that are inside banks, supermarkets and shopping centres

masonic

ChloeRadshaw wrote: »

Is chip and pin not checked in the ATM

ATMs will sometimes fall back to reading the magnetic strip if they can't read the chip, so cloning is still a problem.

socrates

ChloeRadshaw wrote: »

I have reported this and the bank is being helpful - However I cannot understand how this is possible?

I have the card and it has chip and pin which cannot be skimmed.

How do scammers do this?????

Are you saying you have a debit card - and someone has withdrawn cash using a cloned version from an ATM within UK?

As far as I know this is impossible within UK - even if they have cloned the card and know your PIN number.

Can you possibly give us more details and which Bank we are discussing?

opinions4u

Chloe, my experiences of this date back a few years, and the technological advances made by the crooks have been significant in recent times, so please don't take this post the wrong way.

You said:

It was near to where i live.

As a bank manager I dealt with a handful of fraudulent withdrawal claims like this.

On EVERY occasion that it involved an ATM in a nearby location it turned out to be a friend, or more often family member, of the cardholder who had carried out the transaction.

Look at brothers, sisters, teenage children etc and decide whether or not those individuals would be likely to use a cash machine in the area where this withdrawal happened. It's where any police investigation would also look first.

The card could easily have been removed from your purse and replaced - perhaps in as little as a half hour time window.

I'm not for a minute saying this is definately what has happened. But I think it's highly likely.

masonic

socrates wrote: »

Are you saying you have a debit card - and someone has withdrawn cash using a cloned version from an ATM within UK?

As far as I know this is impossible within UK - even if they have cloned the card and know your PIN number.

Can you possibly give us more details and which Bank we are discussing?

Interesting article on Chip & PIN card cloning:- http://www.h-online.com/security/Manipulated-ATMs--/features/100187/0

From the second page of the article:

Neither of the two main card service providers (Visa and Mastercard) were able to inform heise Security what proportion of UK ATMs can still read the magnetic stripe, but the official position of APACS is still that magnetic stripe fallback is disabled across the board. Nevertheless Prof. Anderson told heise Security "It's a sensitive topic. APACS has said in the past that mag strip copies of chip cards cannot be used in UK ATMs, which means that mag-strip fallback is disabled on all ATMs. There is strong evidence that they are not telling the truth (one of our students fried his chip and used a Barclays Bank cash machine in Cambridge). Now they are saying it's up to the bank."

socrates

masonic wrote: »

Interesting article on Chip & PIN card cloning:- http://www.h-online.com/security/Manipulated-ATMs--/features/100187/0

From the second page of the article:

With all due respect that article is 18 months old - and if it were possible to draw cash from ATMs within UK using cloned debit cards the banks would be in a much much worse position than they are in at the moment;)