Santander fraudulent ATM withdrawals

dewdew32

Hi,

Last month I logged in online and found three atm withdrawals on consecutive days in London - I live in Wales.

Then discovered that the card wallet I own is missing - I have no idea where it is, and suspect I was pickpocketed on a visit to London a few months ago.

Put my claim in and waited Santander have told me that the card was a chip and pin and they are not responsible for refunding these withdrawals???

Help!

DCFC79

dewdew32 wrote: »

Hi,

Last month I logged in online and found three atm withdrawals on consecutive days in London - I live in Wales.

Then discovered that the card wallet I own is missing - I have no idea where it is, and suspect I was pickpocketed on a visit to London a few months ago.

Put my claim in and waited Santander have told me that the card was a chip and pin and they are not responsible for refunding these withdrawals???

Help!

You suspect you were pick pocketed a few months ago ? Why did you not notice it earlier ?

How was your PIN guessed ? Was it written down on paper inside your wallet ?

What's the amount of the 3 withdrawals ?

Can you see why Santander won't refund the withdrawals ?

agrinnall

Presumably their argument is that the PIN must have been with the card when it was stolen. I think they are right and they won't pay up.

GingerFurball_2

In order from most likely to least likely:

1. You've been negligent with your PIN and kept it alongside your card.
2. You've authorised those payments and are at it.
3. Someone's magically guessed your PIN first time.

3 is ludicrously unlikely, meaning it will either be scenario 1 or 2 that the bank is considering and they are quite entitled to hold you responsible for the withdrawals.

jonesMUFCforever

When last month did you visit London? Have you not wanted to use the card since?
Did you use the card in London in an ATM at all?

If so you could have been cloned but as you did not report the card as stolen you will find it dificult to get them to change their minds.

dewdew32

They can clone chips too?

dewdew32

I don't keep my pin number written anywhere.

I have done some research. They say chip and pin cards are 100% accurate/safe.

I discovered the loss of the wallet I kept my paperwork and this card in maybe the same day that I saw the unauthorised transactions. It was out of sight for about a week.

I can only assume that I was pickpocketed, and that te pickpockets were monitoring me when I used an ATM somewhere to get the pin. I DID use the card the same day I last remember putting the paperwork wallet back in my satchel.

That is, unless they can now clone chip and pin cards?

jonesMUFCforever

Most cards use the magnetic strip in ATM's.

dewdew32

Even when there is a chip in the card and the ATM machine is a chip and pin ATM?

FutureGirl

Before 'chip and pin' existed you could still get money from an ATM, they just used the magnetic strip on the card. The same with the cards that don't have chips. I don't believe the chip is used in ATM machines, only in the small chip and pin machines.

GingerFurball_2

jonesMUFCforever wrote: »

Most cards use the magnetic strip in ATM's.

Information like balances can be gotten with just a magnetic strip read but most banks will decline a card that's been read with the magnetic strip when you'd expect to see Chip and PIN used.