Unknown transactions on Barclaycard - how?!

deaston

A couple of weeks ago I tried to buy a camera on Jessops' website for £899. I ordered online for delivery to my home address and had to use my Verify By Visa password but the transaction was blocked and I had to prove my identity before the sale could go ahead. Clearly me but very much denied.

Then today I notice three transactions made over the last week for Hewlett Packard for £1,099 each. They didn't have my PIN, don't know my password and don't live at my home address.

How can that happen?! I thought online transactions needed to go to the home address?

[Deleted User]

Not always.

In fact, it's probably more common to allow different addresses.

Raise a dispute with your card provider.

deaston

Deleted_User wrote: »

Not always.

In fact, it's probably more common to allow different addresses.

Raise a dispute with your card provider.

Done all that and I won't be footing the £3,300 bill. But it seems mad to me that this still happens.

reclusive46

The banks aren't usually to fussed about online transactions as generally its the website thats liable for any fraud and they'll be the ones who lose the money. The only exception is on Verified By Visa, MasterCard SecureCode and American Express SafeKey transactions, where the bank is liable for fraud.

eddddy

deaston wrote: »

Done all that and I won't be footing the £3,300 bill. But it seems mad to me that this still happens.

Just one small caution on this. As reclusive says, it will be the retailer (Jessops) that have lost £3k if they've actually sent the cameras.

The retailer may suspect that you're involved in the scam. e.g. You did order them really, but now you're denying it, in order to get your money back.

So occasionally a retailer will send a nasty letter saying something like "You still owe us £3k for those cameras you bought". If that happens, I would just reply explaining the true situation.

ceminem

eddddy wrote: »

Just one small caution on this. As reclusive says, it will be the retailer (Jessops) that have lost £3k if they've actually sent the cameras.

The retailer may suspect that you're involved in the scam. e.g. You did order them really, but now you're denying it, in order to get your money back.

So occasionally a retailer will send a nasty letter saying something like "You still owe us £3k for those cameras you bought". If that happens, I would just reply explaining the true situation.

Did you even read the whole original post properly? The transactions unrecognised are with HP not Jessops.

CKhalvashi

Deleted_User wrote: »

Not always.

In fact, it's probably more common to allow different addresses.

Raise a dispute with your card provider.

I ordered a takeaway at my mothers the other week from a reputable company that advertises on TV, and it went through on my card with no problems, despite the address being obviously different.

reclusive46 wrote: »

The banks aren't usually to fussed about online transactions as generally its the website thats liable for any fraud and they'll be the ones who lose the money. The only exception is on Verified By Visa, MasterCard SecureCode and American Express SafeKey transactions, where the bank is liable for fraud.

We use the first two, and whilst I don't know how they work exactly, I know we're not liable for transactions through it as a company.

The bank would probably accept that the customer authoised the transactions, and this would need to be argued.

p00hsticks

deaston wrote: »

Then today I notice three transactions made over the last week for Hewlett Packard for £1,099 each. They didn't have my PIN, don't know my password and don't live at my home address.

How can that happen?! I thought online transactions needed to go to the home address?

You will never be asked to enter your card PIN for an online transaction.

You might be asked for the Card Verification Value (CVV) - the three digit number at the end of the signature strip on the back of the card.

As part of the transaction authorisation process, a retailer can pass the address details and CVV to the card issuer, and the bank will confirm if these match what they have on record for the cardholder. But the issuer won't refuse the authorisation - it's up to the retailer to decide if they want to go ahead with the transaction if the CVV and/or delivery address don't match. If they don;t decline the transaction but carry on then they, rather than the credit card company or card issuer, are likely to have to bear the loss should the transaction prove to be fraudulent.

chuckley

sounds like a dodgy screen/intercept to me...

Ben8282

Why do you associate the purchase from Jessops with unknown charges apparently originating from Hewlett Packard?
Why do you assume they were online transactions? How do you know?
How do you know what address they went to as you don't recognise the transactions in the first place?
Have you disputed with Barclaycard? What did they say?