Debit card fraud

kaych

Thought the max amount you can pay using contactless is £20?

p00hsticks

wurlitzerwilly wrote: »

A lot of replies, so let's answer some.

I am NOT advocating going back to the cave. All I want is a CHOICE to have contactless or not. Others would have the same choice and I don't mind if the default is to have it and apply if you don't want it!

The reason I couldn't use online banking is because the bank require use of the card into a portable reader and I have had the card blocked to prevent further fraud.

I don't think you've said which bank you're with, or if you have actually asked them if you can have a non-contactless card.

Personally, having to use a card reader and card just to get into online banking sounds like a right pain and not something I would be prepared to put up with.

If you're thinking of moving banks as a result of this, Nat West don't require use of a card/reader for most of their online banking transactions, (just for large transfers and setting up new payees, DDs etc). You can also request them not to give you a contactless card (but you do need to ask - see the final FAQ here).

http://www.natwest.com/personal/current-accounts/g4/cards/contactless.ashx#tab-section3

However, as kaych has just pointed out, there is a limit of £20 on contactless transations, so your initial supposition that this was the way the fraud was done may be incorrect .....

wurlitzerwilly

lynz68 wrote: »

Sometimes fraudsters will try taking small amounts first to see if its noticed and then would return for large amounts if not noticed. Does not necessarily mean it is contactless that had caused you to lose money but your own vigilance that might have saved you from greater loses.

Good point.

wurlitzerwilly

p00hsticks wrote: »

I don't think you've said which bank you're with, or if you have actually asked them if you can have a non-contactless card.

Personally, having to use a card reader and card just to get into online banking sounds like a right pain and not something I would be prepared to put up with.

If you're thinking of moving banks as a result of this, Nat West don't require use of a card/reader for most of their online banking transactions, (just for large transfers and setting up new payees, DDs etc). You can also request them not to give you a contactless card (but you do need to ask - see the final FAQ here).

http://www.natwest.com/personal/current-accounts/g4/cards/contactless.ashx#tab-section3

However, as kaych has just pointed out, there is a limit of £20 on contactless transations, so your initial supposition that this was the way the fraud was done may be incorrect .....

For my own security I didn't say how many transactions, but it was more than one, which were both below the £20 limit.

I'm quite happy to use a PINs entry reader, but even using the mobile app was not possible, without using the card. Blocking the card blocked online banking regardless. I did try it.

Yes, I did ask them about a year ago for a non-contactless card and they refused. I got all the usual BS about it's only £20 max and we'll reimburse you, but of course they didn't say anything about all of the other inconveniences.

I don't really want to move banks, but thanks for the tip about NatWest.

wurlitzerwilly

kaych wrote: »

Thought the max amount you can pay using contactless is £20?

Yes it is, but that's for a single transaction. 5 transactions could = £100 !

SnowTiger

kaych wrote: »

Thought the max amount you can pay using contactless is £20?

It is. I think OP is suggesting that their card details were read using wireless technology and, presumably, used elsewhere, such as online.

I thought wireless detail were encrypted now.

wurlitzerwilly

SnowTiger wrote: »

It is. I think OP is suggesting that their card details were read using wireless technology and, presumably, used elsewhere, such as online.

I thought wireless detail were encrypted now.

Actually what I'm suggesting is that the details were read using wireless technology and maybe transferred to a card that was then used contactless. In view of the smallish amounts, I tend to favour contactless use, but admit that it is a supposition.

DCFC79

leeroy2009 wrote: »

I have quite a few contactless cards but have found nowhere to try it out, may need to get a cheeseburger from McDonalds just to see what all the fuss is about..

Neither do I, ive got a contactless card and nothing untoward has happened. Haven't used the contactless system yet but will do.

dalesrider

wurlitzerwilly wrote: »

Actually what I'm suggesting is that the details were read using wireless technology and maybe transferred to a card that was then used contactless. In view of the smallish amounts, I tend to favour contactless use, but admit that it is a supposition.

So who are these transactions to then?

Max on contactless is £20 per transaction.

More fraud is under £20 than over.
In 2 years I have only ever seen 2 cases of contactless fraud... And one of them was a stolen card...

I take it that the transactions were in authorisation stage when the bank contacted you and you meant that you were down £25 in available funds.
You cannot refund any transactions till they have debited as they may not debit.
If they are not showing on your statement then they have not debited your account. They will have gone onto the internal accounts after the card was stopped.
In such cases you would not be refunded as you had no debits on your account.

Far more likely your details were obtained from a retailer (they keep you FULL card details on their till rolls) than someone scanning a card.

TBH. If your card is stopped and you can't check your account till you get a new card. Then you need to be raising a complaint.
How do you not know that fraud had already debited your account.
Seems your bank are blocking you from access to check your account at the very time you need it most.

dalesrider

wurlitzerwilly wrote: »

Yes it is, but that's for a single transaction. 5 transactions could = £100 !

Most card providers also have a limit on the number of contactless transactions that can be made before a PIN has to be entered.