Debit card fraud using pin

chambta

Casa_125 wrote: »

Thank you very much for your post, totally agree with all you say.
We totally intended to fight this all the way and I hope there is a positive outcome for my son......then off to a proper bank, as you say!

If this had happened with RBS/Natwest they would have refunded the money the day it was reported as fraud and then investigated it.

Casa_125

davetrousers wrote: »

There was a very similar sounding thread to this a couple of years ago, might be worth trawling through the forum to find some help.

Thanks, will def check it out.:)

Casa_125

chambta wrote: »

If this had happened with RBS/Natwest they would have refunded the money the day it was reported as fraud and then investigated it.

Exactly! I fear all the rotten things we have read about Santander being a WOEFUL bank are true. It even said on the disclaimer form that the money would be refunded pending investigation but of course, that did not happen. They are all words and no action it would appear :mad:

Bloomberg

Bloomberg wrote: »

I am always extolling the benefits of credit cards and I think that the above story adds weight to what I say. I seldom use my debit card so as to protect myself from fraud. You must fight this all the way, your son did not spend the money so why should he suffer?

Maybe the card was cloned and used it that bar. Once this matter is resolved I would suggest that your boy leaves Santander and opens an account with a proper bank and also gets a credit card. I wish him all the best.

HSBC claim that they will refund the disputed cash within TWO hours and then investigate. Worth considering but you should still get a credit card - if used properly they are fantastic.

jennifernil

We had something similar happen on our Halifax account. My husband's debit card was used to buy over £1400 of hotel rooms in Paris from an American company, yet Halifax did not flag this up as being out of character! This was an internet purchase and they claimed the security number on the back of the card had been used.

We use credit cards for virtually everything. Checking our bank statements we found that he had only used his debit card a handful of times in 7 years, and only used it on-line twice. He also recalled using it once in person where he had allowed the card out of his sight. We gave the names of all the retailers involved to Halifax, but were never informed whether they had got to the bottom of it.

After we reported the problem, the money was re-credited to our account by the travel firm (not by Halifax) within 48 hours, but we had to badger Halifax for the amounts lost in the foreign exchanges and card fees.

meer53

Your sons bank will already know whether the PIN was used or not. The bank systems can tell whether a counterfeit card is used. If the transactions were in the same bar your son was in then the assumption will be made that his card and PIN were used as it wouldn't be possible for a counterfeit card to be made and used in that amount of time, plus it wouldn't have been used in the same bar. What his bank will be looking at is whether his card was stolen (you didn't say whether he still had his card or not ?) if he still has his card then if the PIN was used then it looks as though someone has been in possession of his card and then put it back. I don't want to offend you, nor am i accusing your son of anything but i have investigated many. many cases like this where people have not been in full possession of their faculties (so to speak!) due to alcohol and they have not known where their cards were. If your sons bank feel this is the case they may not be willing to treat this as fraud, they may say he has been negligent. I once had to explain to a customer (whose husband was an authorised user on her credit card) that the transactions made on his card in a lap dancing club were PIN verified and that her husband had admitted to me that at some stage during the evening, his trousers, (containing his wallet) were not on his person !! It was a very awkward call !

chambta

meer53 wrote: »

Your sons bank will already know whether the PIN was used or not. The bank systems can tell whether a counterfeit card is used. If the transactions were in the same bar your son was in then the assumption will be made that his card and PIN were used as it wouldn't be possible for a counterfeit card to be made and used in that amount of time, plus it wouldn't have been used in the same bar. What his bank will be looking at is whether his card was stolen (you didn't say whether he still had his card or not ?) if he still has his card then if the PIN was used then it looks as though someone has been in possession of his card and then put it back. I don't want to offend you, nor am i accusing your son of anything but i have investigated many. many cases like this where people have not been in full possession of their faculties (so to speak!) due to alcohol and they have not known where their cards were. If your sons bank feel this is the case they may not be willing to treat this as fraud, they may say he has been negligent. I once had to explain to a customer (whose husband was an authorised user on her credit card) that the transactions made on his card in a lap dancing club were PIN verified and that her husband had admitted to me that at some stage during the evening, his trousers, (containing his wallet) were not on his person !! It was a very awkward call !

Very good!

baza52

my first thought was what kind of bar was it?

Casa_125

jennifernil wrote: »

We had something similar happen on our Halifax account. My husband's debit card was used to buy over £1400 of hotel rooms in Paris from an American company, yet Halifax did not flag this up as being out of character! This was an internet purchase and they claimed the security number on the back of the card had been used.

We use credit cards for virtually everything. Checking our bank statements we found that he had only used his debit card a handful of times in 7 years, and only used it on-line twice. He also recalled using it once in person where he had allowed the card out of his sight. We gave the names of all the retailers involved to Halifax, but were never informed whether they had got to the bottom of it.

After we reported the problem, the money was re-credited to our account by the travel firm (not by Halifax) within 48 hours, but we had to badger Halifax for the amounts lost in the foreign exchanges and card fees.

Very pleased to hear you got your money back! Thanks for taking the time to explain your experience

Casa_125

meer53 wrote: »

Your sons bank will already know whether the PIN was used or not. The bank systems can tell whether a counterfeit card is used. If the transactions were in the same bar your son was in then the assumption will be made that his card and PIN were used as it wouldn't be possible for a counterfeit card to be made and used in that amount of time, plus it wouldn't have been used in the same bar. What his bank will be looking at is whether his card was stolen (you didn't say whether he still had his card or not ?) if he still has his card then if the PIN was used then it looks as though someone has been in possession of his card and then put it back. I don't want to offend you, nor am i accusing your son of anything but i have investigated many. many cases like this where people have not been in full possession of their faculties (so to speak!) due to alcohol and they have not known where their cards were. If your sons bank feel this is the case they may not be willing to treat this as fraud, they may say he has been negligent. I once had to explain to a customer (whose husband was an authorised user on her credit card) that the transactions made on his card in a lap dancing club were PIN verified and that her husband had admitted to me that at some stage during the evening, his trousers, (containing his wallet) were not on his person !! It was a very awkward call !

Hello, thank you for this very insightful and helpful response which is not offensive at all. The bank may feel he was negligent and not in full possession of his faculties but they do not know this for a fact. They would be making an assumption. The fact that he is 21 and in a bar he will probably be stereotyped as being drunk and disorderly! He does still have his card and that is the complete mystery - he simply has no idea how his card could have been used fraudulently as it was in his possession and sight the whole time. He said it was very noisy and busy and he thinks maybe he was distracted somehow, he simply does not know. It is very frustrating when you know you have not spent 1400 euros in the same bar, on the same date. Surely the bank would not think he could guzzle his way through that lot!! It was a normal bar, not a lapdance place, just a regular bar with normal prices. Your story about the call you had to make to the wife had me in stitches!! Thanks again for your post, much appreciated.:)