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Card fraud 3 times

edited 30 November -1 at 12:00AM in Credit Cards
12 replies 1.5K views
Rumana03Rumana03 Forumite
13 posts
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edited 30 November -1 at 12:00AM in Credit Cards
Hi,

I need some advice. Over the last few months this is the third time I have had someone try to fraudulently use my card. It seems as if someone has possibly managed to get ahold of details of all of my cards because one by one each one had to be blocked.
Previously it happened to both my debit cards. The first time the person managed to get some transactions go through. The second time all the transactions were blocked.
Today it was my credit card that got used on Deliveroo twice totalling £94 which my bank (Halifax) declined. Since this happened so late I wasn't able to speak to their fraud team. I haven't used this card recently online and have only used it instore to places like Tesco, Sainsburys etc. I can't figure out how someone got the card details. I was always careful before but have been even more so recently since having been targeted so many times. Has this happened to anyone else? And how did their details get stolen?
I don't understand why the bank can't just contact Deliveroo and get the address of where the items were supposed to be delivered to.
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Replies

  • edited 26 July 2018 at 10:42PM
    T-G-CT-G-C Forumite
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    edited 26 July 2018 at 10:42PM
    Rumana03 wrote: »
    Hi,

    I need some advice. Over the last few months this is the third time I have had someone try to fraudulently use my card. It seems as if someone has possibly managed to get ahold of details of all of my cards because one by one each one had to be blocked.
    Previously it happened to both my debit cards. The first time the person managed to get some transactions go through. The second time all the transactions were blocked.
    Today it was my credit card that got used on Deliveroo twice totalling £94 which my bank (Halifax) declined. Since this happened so late I wasn't able to speak to their fraud team. I haven't used this card recently online and have only used it instore to places like Tesco, Sainsburys etc. I can't figure out how someone got the card details. I was always careful before but have been even more so recently since having been targeted so many times. Has this happened to anyone else? And how did their details get stolen?
    I don't understand why the bank can't just contact Deliveroo and get the address of where the items were supposed to be delivered to.

    1. I know the person used your financial information and by ethics should not be protected from exposure, but unfortunately the person's Deliveroo account isn't in your name, so data protection still applies. Only the police have the power to access the address used for delivery by contacting Deliveroo as part of an investigation.

    2. You should block and replace all cards, whether affected or not, to ensure this doesn't continue happening. If someone managed to obtain your card details, they will not be able to continue to commit fraud once invalidated, unless the culprit has continued access using your new details using whichever interception method utilized.

    3. Avoid using the same cash machines in case of cloning etc. invest in an anti-NFC wallet to prevent hackers retrieving card details from your contactless receiver and ensure no one has access to your wallet, whether at home or work, as it could be someone you know, especially the fact that it has affected multiple cards rather than one which is usually the case.

    4. Report the matter to Action Fraud UK, even if the bank are investigating. You will be given a crime reference number and if successful, it will be passed to the National Crime Agency who can assign it to a CID in a police station. This can lead to arrests and prosecution, especially if the person used their own address for Deliveroo.

    5. Follow all other advice and guidance provided by your bank, the police and tips available online.
    Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.
  • Money_makerMoney_maker Forumite
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  • Rumana03Rumana03 Forumite
    13 posts
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    In the house its me, my husband & 2 year old daughter and also 2 tenants. The two tenants seem geniunely decent ans I don't think they would ever do anything like this.
    I think possibly where I work maybe something happened. I work in an open plan office where there are more than 100 people on our floor. We all leave our bags on the floor under our desks. Sometimes we might be away from our desks for meetings or lunch etc. It's possible maybe someone saw all my cards in my purse and took photos of them? Originally Halifax thought maybe someone hacked my phone. Now with this recent activity on my credit card that wouldn't make sense as I have not used my mobile to make any online purchases. Surely if they hacked my phone they would need to see me enter my card details and the 3 digit security code on the back? Which I haven't used. I deleted all my card details from any sites they were saved onto (there wasn't many).
  • Rumana03Rumana03 Forumite
    13 posts
    10 Posts First Anniversary
    Another thing is last time Halifax noticed that the fraud transactions were from different IP addresses than mine. Luckily Halifax seem to have clocked on that I only ever use one of 3 IP addresses. That is how they knew to decline transactions last time & I'm guessing possibly this time too
  • sausage_timesausage_time Forumite
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    Tenants or work colleagues would seem to be the most likely? Neither outcome is a pleasant thought, office seems the highest risk.



    I'd say swap all cards and be diligent. Can you lock up your cards if you are away from your desk? Can you use Android/Apple pay and lock away your cards permanently?


    Why not leave one of your replacement cards in the house and never take it into the office? Then if it used it has to be someone there?
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  • Rumana03Rumana03 Forumite
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    Yes I could lock my bag away whilst at work. I will start doing this when I'm back at work. I think just to be on the safe side I need to make my manager aware of what has happened.
    I spoke to Halifax today and it seems the person tried multiple purchases on various sites. One of the Deliveroo transactions went through. Other purchases were blocked to Google Play, ticker master etc. The fraud team have said it does seem suspicious that all 3 times this happened has happened since May this year (within the space of a few months) and to each of the cards I own. So most likely it was someone who knows me or had access to my cards at some point.
    Another odd thing is the previous 2 times the fraud happened, one time I used a card to purchase from Uniqlo (which was rare for me). Within a few days my other card was used online to purchase from Uniqlo. The second time I had fraud done I ordered from Pizza Hut for the first time ever and within a couple of days the fraudster tried ordering from Pizza Hut (with a different card)..that can't be coincidence can it??
  • Paul_DNAPPaul_DNAP Forumite
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    Your credit cards have been defrauded total 5 times recently? No, there is no way that's a coincidence, someone is repeatedly dipping into your purse, probably physically, but maybe also someone knows one or other of your internet passwords. Also, how secure is your home paperwork, things like past credit card statements etc.
    (Although I could be wrong, I often am.)
  • Rumana03Rumana03 Forumite
    13 posts
    10 Posts First Anniversary
    Not 5 times..3 times. I only have 3 cards and one by one each of them got fraudulently used.
    Even if the person saw my bank statements they would have needed to physically see my card to know the 3 digit security code to make purchases.
    I did change my passwords for the websites I use. Also in case there was anything on my phone I started using a different device when ordering online. Both have anti virus installed in them.
    The fraud team did suggest it could be my wifi connection is not secure but my husband and one of the tenants order online as well and nothing happened to their cards. So the fraud team said thats not likely in that case then
  • Nicola83Nicola83 Forumite
    71 posts
    The same thing happened to me last year, both my bank card and credit card were attempted to be used fraudulently. Luckily HSBC and Vanquis were quick to spot it so neither went through.
    I think mine was from a website I used, it was secure as it had the little green padlock on it but when I tried to purchase something from it on my bank card it got declined and when I used my credit card it went through. So my guess was my details were stolen from their website, have you used the same website to order from with the cards?

    Vanquis also sent me a new card recently due to me using tickermaster this last year and they obviously got hacked and a load of details stolen so as a precaution sent a new card and pin out.
  • Rumana03Rumana03 Forumite
    13 posts
    10 Posts First Anniversary
    I'm not sure about that but I will definitely check. I can't see my credit card account on my banking app at the moment but thats probably because I marked it as stolen.
    After reading what you said I just remembered that there is one site I use which has the secure sign. But for quite a while now whenever I enter my card details it keeps clearing the whole form and saying there was an error and I need to enter it again..do you think it might be that site? I have have used all 3 of those cards at one point or another on there. It's that site poundshop
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