We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
Reporting Card Fraud????
James
Posts: 2,059 Forumite
Who should you report Debit or Credit Card Fraud to?
Your card issuer?
The local Police?
What if the Police don't want to know?
(The Official Answer is in Italics below but read on).
Recently in the forum there has been cases of Debit and Credit Card Fraud victims being left in the lurch bytheir card issuers. Card issuers have inferred that cardholders themselves have been negligent with their card details or PINs (without proof) and are liable for the cost of fraud.
NO advice is forthcoming from the card issuer if the potential victim(cardholder) should or should not report the fraud to the Police. I would suggest that the cardholder should report this to Action Fraud for several reasons:
· It gives added weight to the cardholder that they weren’t negligent with their PIN or knowingly disclosed their card details;
· It actually is recorded as a Crime and added to the statistics, thus giving a truer picture of the overall problem. (alleged first party fraud/card issuers getting off the hook.).
Below is an online conversation I had 10 September 2013 with Action Fraud:
14:11:20 : Graham: Hello James, you are chatting with Graham, thanks for contacting us, how can I assist you? (Please do not reveal personal data during this web chat)
14:11:44 : James: Hi Graham, who should you report debit and credit card fraud to these days?
14:13:15 : Graham: You can report credit and debit card fraud to us. The easiest way to make a report is to use our online fraud reporting tool at: www.actionfraud.police.uk/report_fraud
14:14:05 : James: Thanks very much for the information, much appreciated. That's all
14:14:40 : Graham: Is there anythingelse I can help you with?
14:16:19 : James: No. but thank you very much. I must say though, from a citizens perspective it is very unclear who you should report fraud to. Is it your Card Issuer, Local Police or Action Fraud? I presume from your answer that Action Fraud is a one-stop-shop.
14:17:44 : Graham: Action Fraud records fraud crime and information on behalf of the police as well as offering advice and support to victims of fraud
I would recommend reporting fraud through us but also letting your card issuer know.
14:18:13 : James: Thanks Graham that is quite clear now. Appreciated.
14:18:39 : Graham: Thank you for yourenquiry, if you need any further assistance you can chat between 9am and 6pmMonday to Friday or call on 0300 123 2040 between 8am to 9pm Monday to Fridayor 9am to 5pm at weekends.
Not mentioned but you should be issued with a Crime Reference Number.
Hope this helps.
Your card issuer?
The local Police?
What if the Police don't want to know?
(The Official Answer is in Italics below but read on).
Recently in the forum there has been cases of Debit and Credit Card Fraud victims being left in the lurch bytheir card issuers. Card issuers have inferred that cardholders themselves have been negligent with their card details or PINs (without proof) and are liable for the cost of fraud.
NO advice is forthcoming from the card issuer if the potential victim(cardholder) should or should not report the fraud to the Police. I would suggest that the cardholder should report this to Action Fraud for several reasons:
· It gives added weight to the cardholder that they weren’t negligent with their PIN or knowingly disclosed their card details;
· It actually is recorded as a Crime and added to the statistics, thus giving a truer picture of the overall problem. (alleged first party fraud/card issuers getting off the hook.).
Below is an online conversation I had 10 September 2013 with Action Fraud:
14:11:20 : Graham: Hello James, you are chatting with Graham, thanks for contacting us, how can I assist you? (Please do not reveal personal data during this web chat)
14:11:44 : James: Hi Graham, who should you report debit and credit card fraud to these days?
14:13:15 : Graham: You can report credit and debit card fraud to us. The easiest way to make a report is to use our online fraud reporting tool at: www.actionfraud.police.uk/report_fraud
14:14:05 : James: Thanks very much for the information, much appreciated. That's all
14:14:40 : Graham: Is there anythingelse I can help you with?
14:16:19 : James: No. but thank you very much. I must say though, from a citizens perspective it is very unclear who you should report fraud to. Is it your Card Issuer, Local Police or Action Fraud? I presume from your answer that Action Fraud is a one-stop-shop.
14:17:44 : Graham: Action Fraud records fraud crime and information on behalf of the police as well as offering advice and support to victims of fraud
I would recommend reporting fraud through us but also letting your card issuer know.
14:18:13 : James: Thanks Graham that is quite clear now. Appreciated.
14:18:39 : Graham: Thank you for yourenquiry, if you need any further assistance you can chat between 9am and 6pmMonday to Friday or call on 0300 123 2040 between 8am to 9pm Monday to Fridayor 9am to 5pm at weekends.
Not mentioned but you should be issued with a Crime Reference Number.
Hope this helps.
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 349K Banking & Borrowing
- 252.4K Reduce Debt & Boost Income
- 452.7K Spending & Discounts
- 242K Work, Benefits & Business
- 618.6K Mortgages, Homes & Bills
- 176.1K Life & Family
- 255K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 15.1K Coronavirus Support Boards