Fraudulent debit card use - verified by visa

LadyMcFinch

When checking my recent transactions, I noticed a £150 payment to a charity/crowdfunding site that I definitely didn't make.

I contacted my bank, who said that a 1p payment had also been made to a car park company, I didn't make that transaction either. They initially seemed dubious that I hadn't made the payments myself because the larger payment passed through Verified by Visa, but fortunately they could see that the device used to make the payment was different to my usual devices so I've received a refund.

I'm awaiting a new debit card, and in the meantime I've changed all of my passwords, including Verified by Visa. I've also run tests on my computer to make sure there aren't any viruses or malware, and there isn't.

Is there anything else I need to do to make sure my stuff is secure? I'm just surprised whoever did this was able to not only get my debit card details (including CCV) when I've never lost it, but also get past VBV.

jonesMUFCforever

Getting past verified by visa is as easy as not entering any details and pressing enter.
Most cards no longer use it anyway.
As for your own fraud nobody will know how it happened unless it was someone close to home.

Anthorn

LadyMcFinch wrote: »

When checking my recent transactions, I noticed a £150 payment to a charity/crowdfunding site that I definitely didn't make.

I contacted my bank, who said that a 1p payment had also been made to a car park company, I didn't make that transaction either. They initially seemed dubious that I hadn't made the payments myself because the larger payment passed through Verified by Visa, but fortunately they could see that the device used to make the payment was different to my usual devices so I've received a refund.

I'm awaiting a new debit card, and in the meantime I've changed all of my passwords, including Verified by Visa. I've also run tests on my computer to make sure there aren't any viruses or malware, and there isn't.

Is there anything else I need to do to make sure my stuff is secure? I'm just surprised whoever did this was able to not only get my debit card details (including CCV) when I've never lost it, but also get past VBV.

The 1p payment looks to me like verification of the card and account. It's happened to me recently with Now TV when I changed my debit card and with Curve when I signed up and added my debit card and credit card. In the case of Now TV they debited £1 but left it as Pending and in the case of Curve they debited £1 and immediately refunded it and they did that twice.

What can you do to secure your "stuff" is secure. Change your bank account to Starling Bank which allows you to turn off and turn on your debit card and that's instant. You could keep it turned off and then turn it on when you use it and then turn it off again. Some prepaid cards allow you to do that too such as Soldo. You could move your account to a savings account which doesn't have a debit card and which allows transfers out and use that method to load a prepaid card as needed. Get a prepaid bank account which offers ring fencing with a card and linked wallet such as The Change Account. Basically if your bank doesn't offer the security you want then move to a bank that will.