Credit Card Fraud

doire_2

My mothers card had been used to booked two flights to cambodia.

The name on the card was Mark ********
My mothers card is Mary *******

The people who used the flights gave their name, address, telephone number, email and passport number

I asked the cc compnay to launch and investigatin which they did. They now say the merchnat is disputing the refund.

I emailed one of the people who used the flights and their reply is below

"I work for the FBI. I forwarded the matter to our internal team of fraud. They will track the mailing down and find your IP - if I don't get to it first"


Now in my email to them i asked them if they had made a geniune mistake. Does the above looked like someone who made a mistake?

The card was used by a computer in conneitcut, USA and the IP address of the pc was logged.

Whats the next step? The cc compnay said to write to them again to say we arent satisfied with their "investigation".

Is there a chance we will not have to pay this money?

One other thing...surely entering the name of the cardholder correctly when using the card is a must? Otherwise the transaction wont work?
Thanks

kista

I would forward the email to your credit card fraud team and perhaps get the police involved. The email sounds like a threat to frighten you.

p00hsticks

doire wrote: »

One other thing...surely entering the name of the cardholder correctly when using the card is a must? Otherwise the transaction wont work?

I may be wrong but I don't think the cardholders name is passed across to the bank for verification as part of the authorisation process, even though you're often asked to enter it exactly as it appears on the card. It's basically the card number, start and end dates and CVV number. I think the merchant also has the option of validating the cardholders address (or at least digits in the house number and postcode) but this bit isn't compulsory and can be overridden to continue with the transaction even if they don't match.

m_13

doire wrote: »

"I work for the FBI. I forwarded the matter to our internal team of fraud. They will track the mailing down and find your IP - if I don't get to it first"

Now in my email to them i asked them if they had made a geniune mistake. Does the above looked like someone who made a mistake?

I'm struggling to understand why you contacted the fraudster who now has your genuine email address (unless you used a 'use once' throwaway email address?).

How it could it be that somebody else she has never met had used your mother's credit card number in a 'genuine mistake'?

I very much doubt that they work for the FBI nor that they can do very much with your ip address which probably changes regularly if you are with a standard Internet Service Provider who gives you a different ip address from a range (via DHCP) each time your router or computer connects to their network.

I would concentrate my efforts on the card company. Does your mother even have a computer? Has she ever been to the US? Does she have relatives in the US? You should be very clear of the facts in your letter to them that your mother has never used her card to purchase flights to Cambodia and that she does not know these people nor did she ever give her card details out to anybody to use.

hansi

doire wrote: »

My mothers card had been used to booked two flights to cambodia.

The name on the card was Mark ********
My mothers card is Mary *******

The people who used the flights gave their name, address, telephone number, email and passport number

I asked the cc compnay to launch and investigatin which they did. They now say the merchnat is disputing the refund.

I emailed one of the people who used the flights and their reply is below

"I work for the FBI. I forwarded the matter to our internal team of fraud. They will track the mailing down and find your IP - if I don't get to it first"


Now in my email to them i asked them if they had made a geniune mistake. Does the above looked like someone who made a mistake?

The card was used by a computer in conneitcut, USA and the IP address of the pc was logged.

Whats the next step? The cc compnay said to write to them again to say we arent satisfied with their "investigation".

Is there a chance we will not have to pay this money?

One other thing...surely entering the name of the cardholder correctly when using the card is a must? Otherwise the transaction wont work?
Thanks

I find this hard to believe. Firstly how did you get the email address of the person who used the flights, and secondly why did you do it. He or she now has your email address! You should not have tried to make contact with the fraudster, just concentrate on your dialogue with the CC company. This all sounds rather fishy to me. For instance, if the fraudster used the CC, how did he/she get the three figure security code etc, etc,???

Jemma-T

doire wrote:

My mothers card had been used to booked two flights to cambodia.

That's really none of your or your mother's business is it?

Fill in the bank claim forms, answer any other questions and mind your own business.

kingkano

hansi wrote: »

I find this hard to believe. Firstly how did you get the email address of the person who used the flights, and secondly why did you do it. He or she now has your email address! You should not have tried to make contact with the fraudster, just concentrate on your dialogue with the CC company. This all sounds rather fishy to me. For instance, if the fraudster used the CC, how did he/she get the three figure security code etc, etc,???

I'll take up the argument about the security code. First, do you really believe a 3 digit number (999 combinations only) is adequate protection? Did you know that using online purchases you can continue to guess the verification number repeatedly until you get it right. No systems will ever block the card for failed guesses. The transaction will just fail and you can try again changing your guess. Credit card companies cannot be bothered to implement systems to stop this. 999 guesses doesnt take long to crack (on average it might take you half this many).

Secondly.... you do realise all of this information is ON your credit card. Every sales staff who has touched your card has had the opportunity to memorise this. In fact, if they have older terminals, your full credit card number could be on their receipt. Along with the expiry date. all they need to memorise is the 3 digit verification code off the back (while checking your signature for example).

To the OP. Why on earth email them? Whatever information you have you should just have handed over to the card company and let them take care of it. They have the power to get police involved etc. Your liability is limited by law to £50 as long as you did not knowingly take part in the fraud or were careless with a pin number etc. Go back to the card company....

m_13

I see that this has happened before last month with your mother's card when your brother who lives in Seoul used it to book flights to Vietnam and some strangers booked flights to China with it?

http://forums.moneysavingexpert.com/showthread.html?t=1953401

What happened with that? If your mother's card has been repeatedly used to book flights and she knows nothing about it then I'd be suspicious of the travel company and if I were Abbey I would be suspicious about your mother's care of the card too!