can anyone please help me!!!!!!!!!!!!!

123money

hi

my bank card has been cloned. i have reported it to my bank and they have refunded me two of the payments. there is also another payment on there which is international which i havent done and my bank are refusing to give me the money back as they say the transaction was authorised by the correct pin being inpput and the debit card present.

please can someone help as this is not fair. My bank are not helping . many thhanks would be greatful of any response

going2die_rich

If your cards been used through using the PIN it's most likely the card was cloned in a store you used. As the PINs apparently aren't encrypted, so if the store checkout was to note your card details they could do it. BUT most pin machines are on the counter so they shouldn't really be able to get the actual card details since these are encrypted. Therefore makes it more likely you used the card than someone else, hence the banks will almost always NOT pay out when the pin has been used.

That's my understanding anyway...

If the cards been used to place an order - can you not try ant attempt to contact the site to cancel the order since your banks not helping very much?

Markyt

123money wrote:

hi

my bank card has been cloned. i have reported it to my bank and they have refunded me two of the payments. there is also another payment on there which is international which i havent done and my bank are refusing to give me the money back as they say the transaction was authorised by the correct pin being inpput and the debit card present.

please can someone help as this is not fair. My bank are not helping . many thhanks would be greatful of any response

It's happened before, see :

http://www.theregister.co.uk/2005/10/21/phantoms_and_rogues

and

http://news.zdnet.co.uk/business/legal/0,39020651,39267956,00.htm

and

http://www.gatago.com/uk/finance/15865743.html

Basically, poorly made terminals (Shell) allow PIN's to be captured, or rogue workers in banks / retailers have stolen customer PIN's.

These systems are pushed as secure. They are far from it.

Markyt

Bad form to reply to my own post I know, but i've just had another thought. Get the bank to tell you where and when the transaction was carried out - if you can prove you were elsewhere at the time, it adds weight to your argument.

JohnPeard

Hello

You must telephone to request that they change the PIN, advising of the new one - or better still issue a new card with new account number.

Also confirm in writing that you have excercised all reasonable card in guarding your PIN, and have not divulged it.

Also indicate that the PIN system has been shown to be open to abuse and fraud, outside the user's control. - lots of evidence on web-sites.

At a local garage to us, they have stopped using PIN, and have reverted to signatures, at the request of the bank ! Need any more be said?

Best of luck, by the way - and please don;t worry too much, the bank will have to sort this.

Tootsie_Roll

It will depend on how the transaction was carried out as to whether they will refund the payment. The examples in Markyt's post might be unintentionally misleading.

Currently there are no (absolutely zero) examples of chip & pin fraud as 'cloned cards' use the magnetic strip information not the chip. So in the Shell example apparently they cloned the card at the same time as the rogue employees made a note of the pin. ALL atm's only use chip & pin now and do not revert to the mag strip anymore effectively eliminating atm fraud (possibly only until the criminal gangs get sophisticated enough to clone the chip !).

Now the fraud teams at banks can tell if the transaction was mag strip or chip read - if it was chip & pin they will refuse to pay out.

123money

hi
thanks to everone that have responded. i absouletly love this site. the transaction was placed in the same area that they used my card in for the opther transactions. it was in france. i have proved to my bank that i was in universtiy at this time also i tried to take cash out where i was so i couldnt possible be in france. the thing i hate is that the refunded me the two trtansaction that was done in france but theyu wont refund the third transaction. i think im just gona pay off my debt owed on my account then change banks.

i hate having to prove myself my bank has caudes me so much destress. i have had to keep visting the bank when i have got universtiy.

anyway i hope i get this sorted soon.
once again thank you for all your response

123money

i have requseted a new card . this will be my fith card but they are stiull doin transactions on my other cards e.g issue 1 and isue 2. beace they are only doin small amount e.g £20 a time the bank said they can come out of my account. but the £20 that they have taken out have amounted up.

thanks again to your respnses this site is so good.

Markyt

Tootsie_Roll wrote:

).

Now the fraud teams at banks can tell if the transaction was mag strip or chip read - if it was chip & pin they will refuse to pay out.

This is what I really do not like about the new system. It has shifted the responsibility to the user and the retailer rather than the bank, yet the bank dictates which systems the retailer must use. The onus is now on the user to prove that they have not broken the security rules, rather than the bank proving that they have. It's impossible for the user to do this, so the bank wins.

trets77

What bank are you with ????

Name and Shame them......and fight fight for that refund

123money

Hi Im With Hsbc. Yeah Was Thing Of Naming And Shaming Them. Ive Spent Loads On The Phone To Them To Trying To Sort This Matter Out.