HSBC - stolen card details

manphibian

I'm not sure this is in the correct place, but it seems the closest.

Anyway, I've had HSBC call me twice in the last two or three months to tell me that my card details have been stolen, and that I need a new card. However, the are refusing to tell me, how or where the details were stolen. I would like to know this information since if there is something I am doing that is putting my card details at risk, I would like to know! I put this to them but she said the information come from an 'internal department' and it cannot be divulged in case it 'jeopardises any current or future investigations'!? It is also pretty irritating having to spend a week without being to access my money without going into my branch (which is only open when I am at work)!

Does anyone have any suggestions?

agrinnall

I assume you have access to your account online and you've checked to see if there are any transactions that you don't recognize? If there aren't - which is quite likely as HSBC would probably have asked you if you'd made them - then the most likely explanation is that someone has rung up HSBC with your card details and asked to make some sort of change to your details, but they've failed a security check. HSBC won't tell you about this as they have no way of knowing whether you are a party to an attempted fraud. For the sake of having to go into the bank once or twice to get money I would be grateful that they have saved you from much greater hassle had the fraud been successful.

manphibian

I don't have access to my internet banking as the 'secure' key that HSBC sent me decided to stop working a couple of weeks back, and I am still waiting for a new one to arrive. They guy did run through a list of transactions with me that were all made by myself.

I'm not particularly grateful to HSBC since I have a traffic fine due yesterday and, since it is the end of the month, phone bills and debt payments which are now/will be overdue and cost me fines. Like I said, if I am doing something that is causing my card details to be stolen I would like to know since I can stop this occurring again.

agrinnall wrote: »

HSBC won't tell you about this as they have no way of knowing whether you are a party to an attempted fraud.

If they had specific information that I was attempting to do this, then that would be fine. However, I assume that since I am not trying to defraud myself(!?), they don't? Besides, are we not supposed to be presumed innocent until proven otherwise?

arcon5

Maybe i'm the odd one out, but personally I would prefer the inconvenience of having to take trips to the bank more often than have to deal with identity theft and bundles of unauthorised transactions. But I can understand your frustration.

Knowing this is happening often, do you have an account with another bank which you can put a small amount of money in so when it does happen you can use that debit card?

I'd also suggest checking your computer for malware

Lokolo

manphibian wrote: »

I don't have access to my internet banking as the 'secure' key that HSBC sent me decided to stop working a couple of weeks back, and I am still waiting for a new one to arrive. They guy did run through a list of transactions with me that were all made by myself.

I'm not particularly grateful to HSBC since I have a traffic fine due yesterday and, since it is the end of the month, phone bills and debt payments which are now/will be overdue and cost me fines. Like I said, if I am doing something that is causing my card details to be stolen I would like to know since I can stop this occurring again.



If they had specific information that I was attempting to do this, then that would be fine. However, I assume that since I am not trying to defraud myself(!?), they don't? Besides, are we not supposed to be presumed innocent until proven otherwise?

When this happened to me the new card came 2 days later.

Bills that have been set up by DirectDebit will still be paid so no need to worry about that and any bills (unless you still pay by manual methods???).

Most likely fruad is skimming and people viewing your pin. If its happened more than once then its most likely the same place.

Solution? Have a spare account and have access to internet banking. Worst comes to worst, transfer money over to your secondary account and use that.

meer53

Banks get lists of compromised card details on a daily basis. They don't always get details as to where the details were compromised and wouldn't be able to tell you even if they did know, as the lists are provided by the Police, and are usually subject to a Police investigation. If they told you where the point of compromise was, it would jeopardise this. If a big retailers details have been hacked ie, Play.com, Lush, then this information is usually in the press. Don't worry about it. It's better to have your card stopped then end up with fraud on your account.

CIS

Anyway, I've had HSBC call me twice in the last two or three months to tell me that my card details have been stolen, and that I need a new card.

Ive had similar recent issues with HSBC - they confirmed the card was on a list of compromised cards but they wouldn't say more.

arcon5

If the above posts are anything to go by op, make sure you vet the websites you buy incase your falling victim to some scam.

agrinnall

manphibian wrote: »

If they had specific information that I was attempting to do this, then that would be fine. However, I assume that since I am not trying to defraud myself(!?), they don't? Besides, are we not supposed to be presumed innocent until proven otherwise?

It would be the bank that was defrauded, not you, unless they could prove that you had been deliberately careless with details such as your PIN or your online password. They will know that people have been involved in frauds using their own account, so they will have a policy of never revealing any details of an attempted or successful fraud unless it comes to court. It's nothing personal against you, it's just the way that they operate.