Credit card fraud advice

BoroPhil

Basically one of our credit cards was randomly blocked yesterday and today, checked our statement and there was a £339 o2 transaction on it. neither me or the lass have an o2 phone. she went out for tea with work last week and said the waiter took the card out of her view when he was processing her payment as he claimed there wasn't a good enough signal. he took a while and one of her colleaguse even commented 'bet he's taking your details down', obviously as a joke.

should we tell the credit card company this? should we call the police? or is this all just circumstantial? does seem like a huge coincidence if not dodgy.

I'm led to believe credit card fraud should always be refunded anyway unless you are to blame in some way?

Buzby

No - you don't call the police.

You tell the card co you dispute the transaction, and the scenario you outlined. Her PIN has not been compromised and the transaction will be reversed.

chattychappy

You are entitled to hand a card to a waiter. This is not a stranger or third party. This is a merchant and you are entitled to rely on their integrity. (No harm in being cautious, of course. But it's not for you to second guess a merchant's choice of staff.)

Agree with Buzby's advice. Dispute the transaction and answer questions honestly. Personally I wouldn't speculate too much to the CC about what you suppose might have happened. It rather invites some oik to interpret what you say as some kind of admission of culpability - a distraction we can do without.

Plxply

chattychappy wrote: »

It rather invites some oik to interpret what you say as some kind of admission of culpability - a distraction we can do without.

Plus the fact credit card companies can do it on their own, they have automated systems to check what cards have been flagged and where they're used. If there's the same merchant between multiple defrauded cards then they'll get slapped with a large fine.

londonTiger

BoroPhil wrote: »

Basically one of our credit cards was randomly blocked yesterday and today, checked our statement and there was a £339 o2 transaction on it. neither me or the lass have an o2 phone. she went out for tea with work last week and said the waiter took the card out of her view when he was processing her payment as he claimed there wasn't a good enough signal. he took a while and one of her colleaguse even commented 'bet he's taking your details down', obviously as a joke.

should we tell the credit card company this? should we call the police? or is this all just circumstantial? does seem like a huge coincidence if not dodgy.

I'm led to believe credit card fraud should always be refunded anyway unless you are to blame in some way?

rogue staff that do this get caught, merchants cause identify the leak easily. suppose 10 people have their cards compromised. the thief is using a similar store/purchase to scam goods.. what do all the victims have in common? oh - they all used X shop. They'll chase that up and find the source.

dalesrider

BoroPhil wrote: »

I'm led to believe credit card fraud should always be refunded anyway unless you are to blame in some way?

Should be no issue.

Ring card provider, NOW ask for FRAUD department. Card will then be stopped and replaced.
Report the transaction. If they ask about anything funny happening to the card then offer the information. If not then do not bother.
It gets reported to 02 and they will then chase via the police if they want too.

Should be no issues getting cash back. pretty std fraud.