Duplicate & triplicate payments to credit card. How?

Nine_Lives

I have a Santander 123 Credit card for the cashback. I use it & some family members use it too - for the supermarkets & petrol (or diesel for the picky ones) stations.

When they've used it, they'll give me the receipts & we'll go online (usually my mum & she doesn't know how to work a computer so i'll go to her online banking with her with me) & pay it off.

The result is a collection of cashback which i save for the end of the year which i'll then have paid out to me. Yes i know - very helpful family members willing to do this but yes, i do give them something back for it too.

Anyway...

Going through some recent statements i've noticed double & sometimes triple payments.

For example - i'm looking at one right now where my mum paid out £81.95 to Morrisons supermarket on my card. Dated 22/11/12.

Now as usual, that day it'll have been paid off - go through the motions, click send, enter the password, click ok whatever & it gets sent, then log out.

Now, dated 22/11/12 is ONE payment of £81.95, which when cross referencing is from my mums account.
However dated 23/11/12 there are TWO additional payments of £81.95 - again cross referencing shows they're from my mums account.

Nobody else will have been on & done it twice.

This isn't the only time it's happened either. I was wondering why my cashback was showing quite an amount higher than what Santander were saying it was, so i've had to cross reference an entire year.

The bank in question (mums account) is Lloyds TSB.

Any explanation for this that you can think of? It's pretty irritating having to check every day for a few days after making a payment just to see if it's been made numerous times or just once.

noh

Do you really let other people use your credit card? and presumably your PIN?
Do others really give you their online banking details?
You and they are risking potential problems by acting contrary to the T+Cs of those accounts

grumbler

noh wrote: »

Do you really let other people use your credit card? and presumably your PIN?

How about additional cardholders?

Do others really give you their online banking details?

I do all online banking in our family.

You and they are risking potential problems by acting contrary to the T+Cs of those accounts

For online banking it's impossible to prove.

meer53

grumbler wrote: »

For online banking it's impossible to prove.

Where i work, we check the IP address if we suspect someone else is accessing a customers account. So it is possible to prove.

grumbler

No, you can't prove anything just by the IP address, although it might be a starting point for a more serious investigation.
Your bank seems to be wasting money indeed (hardly a surprise for the majority of banks).
Are all members of my family supposed to have different IP addresses?
Not to mention that the majority of people have dynamic IPs, not static.

Nine_Lives

Oh dear. 4 replies & i thought i'd be opening the thread to find an answer.

Disappointing.

Has nobody else had this experience before?

But as this all seems to stem from the following quote, i may as well respond to it...

noh wrote: »

Do you really let other people use your credit card? and presumably your PIN?
Do others really give you their online banking details?
You and they are risking potential problems by acting contrary to the T+Cs of those accounts

Yes i really do. However, not just any random joe - only certain family members. My mother, my wife, my sister, my brother. My sister & brother don't really use it so much now, so it's usually just my mum & wife. People i can trust. If you can't trust your own family with such responsibility then don't judge other people on that. I'm happy i've got family members i can trust! I'd rather that than those i couldn't trust.

As for PIN - no, i give them my card so they can just put it in the machine & pretend they're using it :T Not sure if that one was a serious question. Let me know & i'll give it a serious answer if so.

Yes, others really do give me their banking details. I'm at a loss to how this or any of this is anyway near relevant to the situation at hand though? Why is it important to you? It's certainly not helping me - which is what this thread is here for. Just for the record, i give them my card because i can trust them. They give me their details because they trust me. I also insist that they're with me when i do the transactions so they can see what's being done. Plus i got them all over £100 cashback last year which was a nice Xmas payout each - most of this coming from banking cashback.

We work together, not against each other.

We are risking no problems at all. Yes technically it is possible for me to go into their account & empty it, but it wont happen. Yes it's technically possible for them to go on a spending spree on my card & not pay me back for it, but it wont happen.
Further to this, unless there's CCTV been installed in our house by the bank - then they wont know either.

We have had calls before (Santander) asking - are you aware of this transaction that's just taken place, however as i say - the person is with me at the time, so they go through the motions, yes i've transferred this, it's gone here, yada yada. Bank then satisfied.



So i'm sorry if this upsets you. If so then feel free to not enter the thread again.

A response to the matter at hand would be greatly appreciated though.

rb10

If you were the victim of fraud, your bank may well ask you whether anyone else has access to your online banking or card details.

Either you lie, and say that they don't.

Or you tell the truth. In this case you won't necessarily get the fraudulent payments refunded.

I would not be happy telling an outright lie to anyone - but appreciate that you may be willing to lie - so I keep my security info to myself. It's a dangerous business to do otherwise.

Edit: The reason why I'm not responding to your main question is because I don't fully understand your post. I can't see how having duplicate payments paying off the card would increase the cashback, which is only payable on payments made. The obvious question is whether the transactions show up twice on your mother's LTSB statement?

Gromitt

meer53 wrote: »

Where i work, we check the IP address if we suspect someone else is accessing a customers account. So it is possible to prove.

I access my account from both home and work, and sometimes (rarely) from my laptop over 3G, so in your eyes, multiple people have access to my account, but thats clearly not the case. Just because the IP has changed, doesn't mean the user has.

Nine_Lives

rb10 wrote: »

Edit: The reason why I'm not responding to your main question is because I don't fully understand your post. I can't see how having duplicate payments paying off the card would increase the cashback, which is only payable on payments made. The obvious question is whether the transactions show up twice on your mother's LTSB statement?

Yes - the # of times they show up match on both my credit card statement & her TSB statement.

I never said the cashback increased (if i did then i worded it wrong).

Basically cashback gets paid depending on where the card is used (i'll spare you the ins & outs as i suspect you'll already know). At the end of each month, an amount of cashback gets put onto the credit card.
I could telephone Santander & have this moved to another account, or i couldleave it & spend off what i've earned, but i don't operate it like that - i pay off every purchase immediately & intend on transferring the cashback out off of the credit card in December as an 'Xmas bonus' (i do the same with Quidco & TCB - due to getting no real Xmas bonus at work).
Anyway, i had an end of year email from Santander saying i had £xxx worth of cashback that i had earned, so in my online account when it says -£xxx (note the minus symbol there (& no i'm not being sarcastic in this post)) it should match - except it didn't, it was out, way out. My online account was over -£100 more.

Every time money gets sent TO the card, it goes more & more into the minus. So when i tracked back through it all - these triplicate payments from bank accounts had happened on numerous occasions, yet i had only clicked the "submit" button on each payment, only once.

dalesrider

Nine_Lives wrote: »

Yes i really do. However, not just any random joe - only certain family members. My mother, my wife, my sister, my brother. My sister & brother don't really use it so much now, so it's usually just my mum & wife. People i can trust. If you can't trust your own family with such responsibility then don't judge other people on that. I'm happy i've got family members i can trust! I'd rather that than those i couldn't trust.

As for PIN - no, i give them my card so they can just put it in the machine & pretend they're using it :T Not sure if that one was a serious question. Let me know & i'll give it a serious answer if so.

A response to the matter at hand would be greatly appreciated though.

Given the new T/C that santander are running out....

Your PIN is as named PERSONAL... Should not be given to anyone.
You will be surprised how many fraud cases relate to a faimily member, usually trusted as well.

PLEASE, PLEASE stop doing it.... You are leaving yourself wide open. Any fraud on the account and you will never see a refund for it.

As to your so called duplicated payments. how do you know who has made that payment?

Now, dated 22/11/12 is ONE payment of £81.95, which when cross referencing is from my mums account.
However dated 23/11/12 there are TWO additional payments of £81.95 - again cross referencing shows they're from my mums account.

Nobody else will have been on & done it twice.

Where are these payments from ? retailer? Your mothers acc YOU are accessing and transfering from?

Yes. Retailer do duplicate payments. But it is very rare and is usually rectified by them in a couple of days.

rb10

Nine_Lives wrote: »

Yes - the # of times they show up match on both my credit card statement & her TSB statement.

In that case it's a problem on the LTSB side of it.

No matter what Santander do, there is no way in which they can physically replicate any faster payment that another bank is sending.

I would suggest that your mother phones up LTSB to find out how and when the duplicate payments were authorised.