Card fraud - Unusual transaction

Ben8282

SoSilver9 wrote: »

I had credit card fraud twice once recently and the other time few years back. Due to customs extra costs I only order less than 22 euro from USA so any amount above that my cc company notices. I only use my cc for online shopping in small amounts on secure sites. No idea how they did it.

What have euros got to do with anything?
And yes, I''m really sure that your credit card company monitors your online transactions from US websites and automatically 'notices' any transaction exceeding 22 euros and does what .... calls you, auto-decline ,,,????

Ben8282

pepsimax31 wrote: »

I totally get that. My question is, has anyone else I am equally surwho has been a victim of card fraud had the name 'marrakechinn' as the transaction?

I still find it hard to believe that your bank actually called you over this.
As this transaction was blocked at the authorisation stage, I am also surprised that their security department revealed so much info about it to you. It is not as if the transaction actually went through and you saw the name somewhere.

pepsimax31

Ben8282 wrote: »

I still find it hard to believe that your bank actually called you over this.
As this transaction was blocked at the authorisation stage, I am also surprised that their security department revealed so much info about it to you. It is not as if the transaction actually went through and you saw the name somewhere.

I am sorry you can't believe it. They revealed the name of the transaction and amount to verify if it was me. I have no idea why that particular transaction was flagged as I don't know how their system works. Except to say it does!

sheramber

My husband was called by RBS over what they suspected was a fraudulent charge. It was a computer message requesting him to press a number , which then asked for selected security information to be input.

As we were not in the message went to the answering machine and we didnlt pick itup until later.

Mu husband was reluctant to reveal the information requested so phoned his bank branch to check if it was a genuine message. They denied any knowledge of this so he phoned the number on his card.

They were able to confirm that they had picked up charge for £10 for a vodaphone top up card bought several hundred miles away from where we live which they thought was supicious.

My husband rarely used the debit card and by coincidence had used it locally the same day.

As he had not contacted them - remember we were not in when the message was left- the card had already been cancelled.

He confirmed this was fraudulent charge.

A new card was issued.

So, yes, at least RBS do stop a payment and contact you about it.

pepsimax31

I have to go through a multitude of security questions before they will even say the reason they are calling. They also have ways to confirm they are who they say you are.

Ben8282

pepsimax31 wrote: »

I have to go through a multitude of security questions before they will even say the reason they are calling. They also have ways to confirm they are who they say you are.

How exactly do they confirm that they are who they say they are?
Do you answer the security questions before or after they have done this?
Could this be where the fraudsters are getting the details of you and your grandparents accounts from? Your own mouth!
This is the very reason why banks do not normally call these days ....

System

kaiesha18 had the 'grandparents and own account' problems, not pepsimax, Ben. K is on another thread

GingerBob_3

It annoys me no end that banks expect you to answer so-called "security" questions when they phone you out of the blue, but will not, under any circumstances, reciprocate. They typically cite something along the lines of "we can't discuss any aspect of this account until we have verified your identity". Well f-off then! Don't ever call me again. Communicate with me in writing.

pepsimax31

Ben8282 wrote: »

How exactly do they confirm that they are who they say they are?
Do you answer the security questions before or after they have done this?
Could this be where the fraudsters are getting the details of you and your grandparents accounts from? Your own mouth!
This is the very reason why banks do not normally call these days ....

You are funny. Had you not been picky about the posts you read you will know that I never give out any information on incoming calls but call them from another line. That's how I can be sure they are who they say they are. Doesn't take a genius to work that out.
Name me one company now days that doesn't have a security procedure in place when you contact them? You have to answer a series of questions if you forget an online password so why think the security of a company would be any different?
And what have my long passed grandparents got to do with this? Sad when you have to stoop to insults rather than conversation. Shows me your degree of intelligence.

Rosemary7391

Ben8282 wrote: »

How exactly do they confirm that they are who they say they are?
Do you answer the security questions before or after they have done this?
Could this be where the fraudsters are getting the details of you and your grandparents accounts from? Your own mouth!
This is the very reason why banks do not normally call these days ....

My usual approach is to call the bank on a published number, such as the one on the back of the card. Never had any problems doing that at all.

OP thanks for the apology. I realised you thought the card might've been cloned at a cash machine and then used at this marrakechinn place, which is why I shared my experience. I doubt it was cloned, just the number guessed - so you've nothing to worry about with your own security procedures, and some new confidence in the banks' too remember though that the line on the bank entry might not be the full name of the place - it might be abbreviated for instance, or some sort of trading name, or even a payment services provider in some cases. So it may be tricky to track down with nothing more than that to go on (and I don't think it's worth the effort, but go for it if you want...).