MSE News: Card fraud up as criminals try simple scams

KTF

Button89 wrote: »

just wanted to know if anyone else had experienced anything like this before with amazon.

This is nothing to do with Amazon. Did Santander refund the fraudulent transactions when you called them to block the card?

C_Mababejive

I think a great deal of card fraud emanates from within call centres of businesses AND banking organisations.

dalesrider

C_Mababejive wrote: »

I think a great deal of card fraud emanates from within call centres of businesses AND banking organisations.

If you are going to make such a statement like this at least back it up with some proof....

It may surprise you to know that CCV and PINS are not stored on systems bank staff have access too... So there is no way bank staff have the ability to cause card fraud.

C_Mababejive

dalesrider wrote: »

If you are going to make such a statement like this at least back it up with some proof....

It may surprise you to know that CCV and PINS are not stored on systems bank staff have access too... So there is no way bank staff have the ability to cause card fraud.

Are you suggesting that it is impossible and that all card fraud emanates from within the general populace?

I do not need to back it up with proof since common sense would suggest that my statement has some validity.

I can however quote a personal example.

A credit card was applied for with the intention of using it as a 0% credit card for a year.

The card arrived and was never detached from its letter nor was it signed or used. It was simply put away.

A month or so after arrival, a statement was received with transactions on the card.

Card company was notified of circumstances and though they offered no explanation,they said they would cancel the unused card and issue another despite being told that it was no longer wanted.

A week or so later,new card arrives. Envelope wasnt even opened and it was put away.

A month or so later a statement arrives detailing a western Union Money transfer charged to the card.

Again,card company informed. No explanation given.

dalesrider

amiehall wrote: »

You don't need to spend your time chasing amazon. Call Santander, make sure they know that all the transactions were unauthorised. Let them deal with it for you. They're required to refund the money immediately.

Given this is the CREDIT CARD forum. PSD does not apply.
If its a debit or chargecard. Then, yes, PSD can apply. But if they had been told that said account holder has a amazon account. Then they are within their rights to ask you to go back to the retailer.
And if it is a case of their account being hacked into at the retailer end. The retailer should be refunding the money to the person.... Only paypal ever seem to do the right thing. Although Amazon can be very good.

dalesrider

C_Mababejive wrote: »

Are you suggesting that it is impossible and that all card fraud emanates from within the general populace?


The card arrived and was never detached from its letter nor was it signed or used. It was simply put away.

A month or so after arrival, a statement was received with transactions on the card.

A week or so later,new card arrives. Envelope wasnt even opened and it was put away.

A month or so later a statement arrives detailing a western Union Money transfer charged to the card.

Again,card company informed. No explanation given.

As I pointed out that bank staff, so not have access to most of the details to commit card fraud.

Most fraud will be perpertrated by people who obtain card info from retailer. Either by hacking databases, stealing a till roll or simply taking details as a order is processed.
So retailers need to take far more care of data in their hands.
Simple things like ensuring staff do not have access to mobile phones while working and any details taken on paper are destroyed in a secure manner.

In your case. One possible explination is that. Once a group of fraudsters, find a working number they can apply logic and simply (known to happen) get groups of people to simply sit entering numbers into sites till they again find a working number.

Remember cards are not produced by the banks. They are produced in secure facilities. I guess someone could tamper with the cards once they have been matted upto the address. But would imagine that this is all under duel control at least.

End of the day. Someone who is determined to commit theft of details will do so.
It is just a matter of banks/retailers making sure that staff that have access to details cannot take and use them.

C_Mababejive

I also think that post office employees are responsible for an element of fraud be it direct theft of cards and paperwork or tampering with mail/rubbing up envelopes containing cards.

Bob_Smith

This is a scam which caught me out this week.

I had a call (supposedly from VISA) saying that someone had tried to make an online purchase using my VISA debit card and I should contact my bank using the number on the back of the card, this I thought I'd done, turns out that the scammers don't actually hang up and when you go to dial the number on the back of the card (you get dial tone as normal) it actually is still connected to the scammer.

Because you believe you really are talking to the bank you think all is OK

They then get you to transfer money to a given account, no need to say any more.

I've got the bank and the police fraud people on to it. It is apparently quite new one, so beware, wait a good few mins before you ring what you thing is a genuine number. I'm NOW informed that there should have been menu options

Bob S

The_Boss

Bob_Smith wrote: »

This is a scam which caught me out this week.

I had a call (supposedly from VISA) saying that someone had tried to make an online purchase using my VISA debit card and I should contact my bank using the number on the back of the card, this I thought I'd done, turns out that the scammers don't actually hang up and when you go to dial the number on the back of the card (you get dial tone as normal) it actually is still connected to the scammer.

Because you believe you really are talking to the bank you think all is OK

They then get you to transfer money to a given account, no need to say any more.

I've got the bank and the police fraud people on to it. It is apparently quite new one, so beware, wait a good few mins before you ring what you thing is a genuine number. I'm NOW informed that there should have been menu options

Bob S

This scam is shocking because it doesnt make sense. If someone tried to use your VISA card then why would you be subsequently required to pay money into a different account?

Bob_Smith

Sorry.
I did not make it clear that the scam was a way of getting money out of my account by my own action on the pretext that this was needed to 'safeguard' my account, from "unauthorised" use, it had nothing to do with the supposed online payment.

This way the scammer did not need any of my bank details (login/password etc).

It's pretty obvious now once it's happened, but at the time I really believed I was talking to the bank

Bob S