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Barclay card fraud & not chip and pin !!
Chris_M_9
Posts: 18 Forumite
in Credit cards
Right here goes.
Monday 1st i get a call from curry`s online confirming the delivery of a £900 laptop, to which i replied, i`m sorry but i`ve not ordered anything from yourselves let alone a laptop.
The guy replies ok no problem i`ll cancel the order straight away.
After a bit of a discussion i manage to find out the person that ordered it from curry`s online wanted it delivered to an address in London (to which i managed to get the address even though the guy pointed out he wasn`t really supposed to due to data protection), and the last name was obviously the same as mine but changing the 1st initial.
I thanked him very much and after finishing the conversation got straight onto the fraud dept at Barclay card, who promptly canceled my card and issued my with a new card and pin number.
While sorting the problem out i gave them all the details inc the delivery address that the laptop was going too.
They were very helpful and explained i need to check my statement when it arrives and list any transactions that i don`t agree with and they will sort it all out.
Fine i thought although i still can`t for the life of me explain how not only has someone managed to get my card details because i very rarely use it online, and never use it to buy petrol or anything from shops.
They wife said maybe she had better check her`s as well. one thing led to another and she never did.
Now this is where the fun begins.
This morning when Mr postie arrived what should drop on the mat.
Yep a letter addressed to the wife `please open immediately`, it was from the fraud dept at Barclay card 3 amounts had been declined on her account and could she ring them ASAP.
2 amounts of £7 1 for £845.
So she rang them to be told that her card had been being used fraudulently since about 28th of last month, totaling about £2,000.
And she also had to have her card stopped and accompany with the statement etc.
This is where the plot thickens.
We have 2 cards each.
The wife Barclay card Visa and Mastercard
Me Barclay card visa and a Capital one Mastercard.
Only the Visa cards have been used fraudulently i know my other is a capital one but the wifes Mastercard is also ok.
She uses the Visa card for petrol and shopping but only at select few places.
The problem we have is, both Visa cards have been hit at @ the same time.
Both sets of details are not stored on any same website we both use , so that discounts any online security breach.
And also all personal info is shredded before being binned.
Neither of use withdraw cash from any machines either.
The problem we have now is the fact who ever has our details also has not only our phone number (because curry`s phoned me) but presumably our address details to.
Barclay card to be honest have been very helpful in the last 2 days, they`ve stopped both our cards and re issued new ones and said any problems that we might have now regarding anything the cards might have been involved in ( credit etc etc) they will deal with.
Most of the transactions involved have been over the internet apart from the £845 on the wifes, which involved trying to get foreign cheques from a bank.
The more we seem to think about this problem the more it seems maybe an internal security breech at Barclay card although we`ll never know for sure one way or another.
And the address for the laptop.
We`ll i googled it and also tried 192.com and found out it`s either council or ex-council flat in London and 4 of the names on the electoral role 2 are of the same origin as those famous scammers frequenting eBay .
Make of this what you will. but if you have a Barclay card visa i would personally check your account ASAP just as a precaution as i recon there may possibly be some printed lists doing the rounds.
Your thoughts on the subject would be very grateful.
Monday 1st i get a call from curry`s online confirming the delivery of a £900 laptop, to which i replied, i`m sorry but i`ve not ordered anything from yourselves let alone a laptop.
The guy replies ok no problem i`ll cancel the order straight away.
After a bit of a discussion i manage to find out the person that ordered it from curry`s online wanted it delivered to an address in London (to which i managed to get the address even though the guy pointed out he wasn`t really supposed to due to data protection), and the last name was obviously the same as mine but changing the 1st initial.
I thanked him very much and after finishing the conversation got straight onto the fraud dept at Barclay card, who promptly canceled my card and issued my with a new card and pin number.
While sorting the problem out i gave them all the details inc the delivery address that the laptop was going too.
They were very helpful and explained i need to check my statement when it arrives and list any transactions that i don`t agree with and they will sort it all out.
Fine i thought although i still can`t for the life of me explain how not only has someone managed to get my card details because i very rarely use it online, and never use it to buy petrol or anything from shops.
They wife said maybe she had better check her`s as well. one thing led to another and she never did.
Now this is where the fun begins.
This morning when Mr postie arrived what should drop on the mat.
Yep a letter addressed to the wife `please open immediately`, it was from the fraud dept at Barclay card 3 amounts had been declined on her account and could she ring them ASAP.
2 amounts of £7 1 for £845.
So she rang them to be told that her card had been being used fraudulently since about 28th of last month, totaling about £2,000.
And she also had to have her card stopped and accompany with the statement etc.
This is where the plot thickens.
We have 2 cards each.
The wife Barclay card Visa and Mastercard
Me Barclay card visa and a Capital one Mastercard.
Only the Visa cards have been used fraudulently i know my other is a capital one but the wifes Mastercard is also ok.
She uses the Visa card for petrol and shopping but only at select few places.
The problem we have is, both Visa cards have been hit at @ the same time.
Both sets of details are not stored on any same website we both use , so that discounts any online security breach.
And also all personal info is shredded before being binned.
Neither of use withdraw cash from any machines either.
The problem we have now is the fact who ever has our details also has not only our phone number (because curry`s phoned me) but presumably our address details to.
Barclay card to be honest have been very helpful in the last 2 days, they`ve stopped both our cards and re issued new ones and said any problems that we might have now regarding anything the cards might have been involved in ( credit etc etc) they will deal with.
Most of the transactions involved have been over the internet apart from the £845 on the wifes, which involved trying to get foreign cheques from a bank.
The more we seem to think about this problem the more it seems maybe an internal security breech at Barclay card although we`ll never know for sure one way or another.
And the address for the laptop.
We`ll i googled it and also tried 192.com and found out it`s either council or ex-council flat in London and 4 of the names on the electoral role 2 are of the same origin as those famous scammers frequenting eBay .
Make of this what you will. but if you have a Barclay card visa i would personally check your account ASAP just as a precaution as i recon there may possibly be some printed lists doing the rounds.
Your thoughts on the subject would be very grateful.
0
Comments
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Happ-Happy wrote: »What's it feel like to be perfect, no need to stick insults in the way you have, the OP is concerned about his ID may have been/has been stolen.
Then he/she and us have to read crap like this from you.
Do us all a favour and stick the word NOT in your name after the I am bit, you dont come across as smart just a smart mouth.
Why
The fraud he has quoted is not identity theft
Its misuse of his account number/counterfeit
He doesnt know what hes talking about yet hes still making accusations about people being responsible
Im a firm believer if you dont know about something you dont go accusing people
If he'd simply asked for info fair enough but he accused his bank then tried to hide it with a poxy disclaimer0 -
Iamthesmartestmanalive wrote: »
Tbh its probably a case of you and your wife have used the same dodgy garage somewere
Thats where your wrong cause i`ve never used my card in any garage at all !!
And the last time i think i might have used it in a shop was maybe before last Christmas
So yes thats why I`m paranoid
0 -
Thats where your wrong cause i`ve never used my card in any garage at all !!
And the last time i think i might have used it in a shop was maybe before last Christmas
So yes thats why I`m paranoid
It was an example
The fact is your not going to find out how it happened, theres no point in being paranoid
The bank will sort it and that will be the end of it
No matter what a customer does there is always a risk of fraud and running around accusing the bank when you dont know about fraud will just run the risk of upsetting them and having your account treated differently
Just comply with what your asked to do and problem solved
Nothing in your post would suggest to me you have any reason to be unduly worried, the cards are stopped and that should be the end of any issues to you0 -
Iamthesmartestmanalive wrote: »Im a firm believer if you dont know about something you dont go accusing people
No, but you are quick enough to blame a dodgy garage somewhere, or do you know for a fact a garage was involved.0 -
Happ-Happy wrote: »No, but you are quick enough to blame a dodgy garage somewhere, or do you know for a fact a garage was involved.
No but I didnt libel any particular person or garage and it is far more likely to be a dodgy merchant than insider fraud0 -
Iamthesmartestmanalive wrote: »Why
The fraud he has quoted is not identity theft
Its misuse of his account number/counterfeit
LOL now see if you had of been the smartest man alive you would have read that the currys order order had my name just the first initial changed .
I would have still have classed that as identity theft !!
The collection of foreign money from the Bank was ordered online !!
And our phone number is Ex directory so not on a data base.
Hmm don`t seem to know what i`m talking about
I rather think the last statement above should be pointed at yourself.0 -
LOL now see if you had of been the smartest man alive you would have read that the currys order order had my name just the first initial changed .
I would have still have classed that as identity theft !!
The collection of foreign money from the Bank was ordered online !!
And our phone number is Ex directory so not on a data base.
Hmm don`t seem to know what i`m talking about
I rather think the last statement above should be pointed at yourself.
That is not identity theft in the credit card fraud sense
Identity theft is account takeover, application fraud etc
Misuse of details held on your card is misuse
All the details they had would have been easy to achieve, you also need to remember currys is part of a massive group, are you saying you've never used any of their group before
Why the hell would a fraudster give them your phone number? :rolleyes:
This is misuse of details, that is how your bank will see it, that is how any police officer would see it
It is not identity theft at least not in the traditional sense0 -
Iamthesmartestmanalive wrote: »No but I didnt libel any particular person or garage and it is far more likely to be a dodgy merchant than insider fraud
Well how would you explain in the last two years a branch manager of a local Bank being sent to prison for 12 years, yes 12 years for fraud and another female member of another local bank having just been arrested for fraud involving credit cards to the tune of hundereds of £000's.
Bank staff are the same as the rest of us, some good one's and like it or not some bad one's..............or are you saying that all bank staff are as honest as the day is long.0 -
Iamthesmartestmanalive wrote: »That is not identity theft in the credit card fraud sense
Identity theft is account takeover, application fraud etc
Misuse of details held on your card is misuse
All the details they had would have been easy to achieve, you also need to remember currys is part of a massive group, are you saying you've never used any of their group before
Why the hell would a fraudster give them your phone number? :rolleyes:
This is misuse of details, that is how your bank will see it, that is how any police officer would see it
It is not identity theft at least not in the traditional sense
No at the moment it might not be identity theft in the traditional sense, but we don`t know if it`s anymore than the cards yet.
As for why the hell would a fraudster give them your phone number.
Well lets think a moment.
If curry`s (or whatever large company) had a facility to check card details with a phone number (even Ex directory) and tie it in with an address, then if a fraudster was to order for example 5 laptops online, and only 2 were checked by phone. Then thats 3 that they would receive so there still quids in so to speak.
I`m not saying it was an elaborate misuse in any way because the guy at Currys was actually ringing to check the postcode because he didn`t have it. Which i thought was strange because i would have thought that it wouldn`t have been possible to have ordered it without one in the first place.
The cards have not been cloned as the small tester amounts on the cards had been used to donate money to christian aid and wwf (wolrd wildlife fund), before being hit with larger orders from currys and Momas and Papas online etc.
NO transactions have taken place off line !
Which after stating our card details havn`t been used on the same website still makes me think of one thing.0 -
No at the moment it might not be identity theft in the traditional sense, but we don`t know if it`s anymore than the cards yet.
As for why the hell would a fraudster give them your phone number.
Well lets think a moment.
If curry`s (or whatever large company) had a facility to check card details with a phone number (even Ex directory) and tie it in with an address, then if a fraudster was to order for example 5 laptops online, and only 2 were checked by phone. Then thats 3 that they would receive so there still quids in so to speak.
I`m not saying it was an elaborate misuse in any way because the guy at Currys was actually ringing to check the postcode because he didn`t have it. Which i thought was strange because i would have thought that it wouldn`t have been possible to have ordered it without one in the first place.
The cards have not been cloned as the small tester amounts on the cards had been used to donate money to christian aid and wwf (wolrd wildlife fund), before being hit with larger orders from currys and Momas and Papas online etc.
NO transactions have taken place off line !
Which after stating our card details havn`t been used on the same website still makes me think of one thing.
Christianaid, if thats the case I guarentee you 100% it isnt identity theft or insider fraud
That has been popping up everywere recently to test card numbers, its a bin hit or a/c number compromise
As for the phone number, Why not give their own phone number? or a fake one? why yours? currys got the number from somewere other than the fraudster.
As for the other poster, I didnt say insider fraud didnt exist, but I am stating uneqivocally that this isnt insider fraud or identity theft
If it was insider fraud they would have known his first name and chosen a better method of doing it
This is a misuse of a/c details compromised either off a database, in store or through a bin hit
Therefore the accusation that the bank were involved is entirely unjust
They are sorting it for you, Id suggest you leave it at that and stop playing amatuer detective and giving currys more information to challenge any chargebacks etc or say you admit ownership0
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