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Victim of card fraud! - HSBC-

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I have found out today that some **** has got my card detailssome how.

The bank phones me asking to ring them bak urgently, so I did, they tell me that they have stoped an online transaction for about 50p and have canceled my bank card and will send me a new one.

After going in the bank I then find out that they have taken money out for an O2 payment and tesco, as i use these companies myself I have to despute the transactions when they have been completed to get the money back.

Good on HSBC for detecting this quickly but i cant see how they cant just stop the pending transactions.

ALSO.

I dont get how my card details have gotten into some jobless ****'s hands as my pc has full virus protection and spyware,firewall... i only shop with main online stores which are few.

I use my card in shops via chip and pin but try to look out for anything suspicious... if im doing everything i can to stop this happening and it still happens maybe im not doing enough or cant this be avoided!

no way of finding out how or who?
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Comments

  • pinkarsenalprincess
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    Do you shred all of your paper statements (if you get them)?
    Have you used a cash point somewhere?
    Have you filled up with petrol and used your card to pay for it?
    Overdrafts transferred to MBNA £953.40/£4279.80 Car insurance (on CC) £461.98/£751.98 :mad: Bank of mum and dad £1500/£5000
    Total debt repaid £2915.38/£10,031.78 (29%):T Owed [STRIKE]£10,031.78[/STRIKE][STRIKE] £7400[/STRIKE] £7116.40 Pay off as much as you can in 2011 challenge £1127.60/£4000
  • James
    James Posts: 2,059 Forumite
    First Post First Anniversary Combo Breaker
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    There is no way of finding out.

    Your card issuer wouldn't tell you even if they knew.

    You can and should however still report this. You can do this at Action Fraud (click here).

    Action Fraud is run by the National Fraud Authority, a government agency which helps to co-ordinate the fight agains fraud.

    They have a free phone number 0300 123 2040 or you can report the fraud online.

    Good luck. If you contact Action Fraud. Please post your findings. It may help others and give us all a good idea of their service.
  • CHANDLEP
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    Hi Drbraindead,
    I am assuming this is an HSBC current account or is is a credit card?
    I had £400 taken from my HSBC bank account a few years ago allegedly via internet banking and I only spotted this when I got my statement. I knew I had not made the transfer (time of day, day of week, amount etc) and complained to the bank, they were not interested. I looked at the debit and there was a payee name ( a very odd, foreign name) and I asked HSBC the question . . . if I had made the payment, would I have had to put the payee name in as shown? They said yes, which I then knew I definitely hadn't done it. Only when I went to the police did HSBC investigate properly, and to be fair they did refund me. However, the long and the short of it was that it was pretty conclusive that this was done by a member of HSBC staff, probably in an overseas call centre. I guess this is similar to the selling of bank details - I completely locked down my internet banking account (had to start a new one from the beginning), changed all cards etc and no more problems. You might want to consider this with your internet account just be on the safe side?
    rgds
    Pete
  • drbraindead
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    Ill report to action fraud thanks.

    Iv used my card all over the place, in shops, cash points, i went to manchester last month and lincoln that could be it espeically manchester. I do not do internet banking as i dont trust it! but i guess not even doing internet banking still didint work. I pay for things online but its only tesco, play.com, populard things like that.

    Im thinking you cant even trust your own bank... maybe other companies.

    These people used the card details first online with very small amounts, then it went to top up an o2 phone and 2 quid at tesco. Luckly all they got from me was 17 quid... still not happy as i dont know how its happend.
  • Bob_the_Saver
    Options
    I have found out today that some **** has got my card detailssome how.

    The bank phones me asking to ring them bak urgently, so I did, they tell me that they have stoped an online transaction for about 50p and have canceled my bank card and will send me a new one.

    After going in the bank I then find out that they have taken money out for an O2 payment and tesco, as i use these companies myself I have to despute the transactions when they have been completed to get the money back.

    Good on HSBC for detecting this quickly but i cant see how they cant just stop the pending transactions.

    ALSO.

    I dont get how my card details have gotten into some jobless ****'s hands as my pc has full virus protection and spyware,firewall... i only shop with main online stores which are few.

    I use my card in shops via chip and pin but try to look out for anything suspicious... if im doing everything i can to stop this happening and it still happens maybe im not doing enough or cant this be avoided!

    no way of finding out how or who?

    How do you know the culprit was jobless?
  • jaygomez
    Options
    How do you know the culprit was jobless?

    Yeah for all we know this guy is some IT manager that knows how to hack things or maybe a restaurant server and he wrote down your card details when you pay via credit card last week.
  • Fiddlestick
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    Good on HSBC for detecting this quickly but i cant see how they cant just stop the pending transactions.

    Because the company presenting the payment has an authorization code.

    If banks could just decline any pending transaction they wanted, what would be the point of obtaining authorizations in the first place?
  • moonrakerz
    moonrakerz Posts: 8,650 Forumite
    First Anniversary Combo Breaker First Post
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    There are two ways to reduce the impact of card fraud.

    1. Use your debit card in the absolute minimum of places. Ideally only in an ATM, or a "reputable" place (DVLA website, etc). (OP seems to be about a debit card not a credit card)
    2. For as many other transactions as you can manage, use a credit card, then any fraud IS NOT your problem.
  • drbraindead
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    So I hear that using a credit card online is best. What are the best reasons for using a credit card online instead of your debit card.

    One reason i can see is that if somthing goes wrong its not your bank acount at risk as such with real money in.
  • scragend
    Options
    no way of finding out how or who?

    I had my Nationwide credit card cloned a couple of years ago. Whoever it was bought some computer equipment for about £1,800 from Dabs.

    Nationwide were very good and sorted it all out for me. In return I passed on to them who had done it. How did I find out? Dabs sent the invoice to my address with the name and address of the scammer in the "deliver to" box :T
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