credit card fraud? have you been done recently?

ThankYouAndEnjoy!

James

If you read the article again, it makes no reference to the PIN being compromised at all or that the transactions were actually *confirmed* cash withdrawal transactions

The article itself has very ambigous phrases

Barclays_Bank_Customer wrote:

“When I spoke to the woman at Barclays, she reckoned it would have been done when my card went through a machine. They don't need your pin number because they don't have chip and pin in Canada. Barclays stopped my card, and I haven't lost any money from my bank account. It is a hassle because I have now got to wait for a new card,” he said.

Infact, the conversation with the Bank Operator seems to suggest that PIN was not the Point Of Sale auth attempt used at all

The customer could well be making a reference to the attempted removal of money from the account, albeit not specifically from a cashpoint machine

Without full facts surrounding this case, the debate surrounding Chip and PIN and your questionable integrity of it cannot be questioned

James

MY unofficial source is well informed. Iv'e not seen it, but Anglia TV covered this last night.

I wish I could say with confidence that time will tell, but since the new reporting procedure (not to the POLICE & card issuer) only to your card issuer, who knows what will emerge.

I' not against Chip & PIN but I do believe that consumer who've been victim of PIN based fraud, or cardholders who've used their cards where cloning and PIN capturing has occured should be informed, and told to change their PIN.

I also think that the availability of Chip & Signature Cards should be better publicised, then consumers could make an informed choice. PIN or Sign.

There are other ways to deter Card Fraud. Once again, it's your choice.

Card Fraud, How to Beat Most of It.

I should have added, remove any cardholder liability issues and catch the perpetrators.

Paul_Herring

James wrote:

I' not against Chip & PIN

With all due respect, that's complete and utter b****cks.

James

Paul_Herring wrote: »

With all due respect, that's complete and utter b****cks.

Your opinion Paul, my word.

Oh yeah:

Extent of Card Cloning Revealed.

Click here.

harryhound

Hi James,

Thanks for the above posting and thanks to Norwich and Peterborough BS for breaking the conspiracy of silence that tries to pretend that this non crime does not really exist. My understanding is that if its under 500 GBP (ie peanuts !!!????:eek:) it now "has not happened". Welcome to the brave new world economy.

Interesting to see that your latest example is a "Shell" station again. The lawyers at Shell need to write off millions in good will. First there is a problem over publishing reserves at this time of "peak oil" and now we have the ongoing skimming problem that "Shell" identified right at the start of Chip & Pin. It must be difficult to work out if Tom !!!!!! or Harry, not to mention Patel, running the garage, badged with your trademarks, even realises a skimmer has been installed in the terminal.

Personally, having been "done" over the internet, by someone who had simply written down the card details somewhere , I now have to carry a serious amount of cash in case my cardsssss decide not to work. It is obvious that the system has me marked down as a bit of a dodgy crook.

I have just put into Google
"credit card" site:forums.moneysavingexpert.com
and then searched the results for "clone".
I got 70 hits, mostly on different threads.

Harry

Paul_Herring

James wrote: »

Your opinion Paul, my word.

You've changed your stance on it then? Three random posts (there were more):

http://forums.moneysavingexpert.com/showpost.html?p=5576176&postcount=5

http://forums.moneysavingexpert.com/showpost.html?p=4503114&postcount=6

http://forums.moneysavingexpert.com/showpost.html?p=4343943&postcount=1

All advocating "bin your pin" as a solution - if that isn't being against chip and pin, I don't know what is.

James

Not against Chip & PIN, only against PIN.

My greatest gripe is the card industry not coming cleaning, i.e. informing consumers they have a choice, Chip & PIN or Chip & Signature. Makes sense from a credit cardholders perspective IMHO to BIN their PIN.

Wouldn't you agree? And if not why not?

ThankYouAndEnjoy!

James

I think you will find that most card issuers do not automatically decline Signature verfied transactions; which is why the sig panel is on the back of the card. As a result, card issuers DO give the customer the option; it is however down to the discretion of the retailer as if they accept signature verified transactions. As a result, it is the retailers who do not give the consumer the choice of Chip and PIN or Chip and SIG.

James

ThankYouAndEnjoy! wrote: »

James

I think you will find that most card issuers do not automatically decline Signature verfied transactions; which is why the sig panel is on the back of the card. As a result, card issuers DO give the customer the option; it is however down to the discretion of the retailer as if they accept signature verified transactions. As a result, it is the retailers who do not give the consumer the choice of Chip and PIN or Chip and SIG.

ALL my credit cards are Chip & Signature, No PIN issued. They operate thus:

Insert card in Pin Entry Device.

Chip is read and card authenticated as valid.

Transaction slip is produced.

Retail staff is prompted that the card is Chip & Signature and to verify signature.

I sign the transaction slip. Using my own unique signature.

I've never been refused yet a Point of Sale, even when I submitting the most unusual of signatures:

Here's what I do and this is with the blessing of 2 major card issuers.

Click here.

butch_dingle_2

I would appear to have been the victim of credit card fraud for the first time in 35 years on the planet.

I got my statement from Barclaycard and noticed

3 transactions on the same day for "T-Mobile" for £10 each

2 transactions a few days apart for "littewoods warehouses" one for £100 and the other for £75.

Immediately on calling BC they cancelled my card and issued a new card. They sent me a form to sign stating that I hadnt made these transactions.

They have since refunded the £205 to my account.