Card fraud, bank wont refund.

AnotherJoe

Ben8282 wrote: »

The OP says that the transactions were made on multiple websites.
First of all, these would have still been pending transactions when they returned home from the family dinner. They could not have already debited the account if they had only been made in the last couple of hours.
Secondly, it is not that easy to either open a large number of new accounts on gabling websites or change the payment card on multiple gambling websites in such a short space of time. Has the OP checked the exact transaction time of these transactions? Were all the transactions made in a very short space of time during the family dinner.
There is the further very valid point that gabling websites usually pay winnings back to the card used. What would have been the point in gambling all this money if the fraudster could only get the winnings by having them repaid to your account.
Who exactly sent the verification e-mail to your phone? Was it the bank or the gambling website? This remains unclear. There has also been some discussion that only one verification e-mail was required as the multiple transactions were somehow linked. How were they linked if they were made on multiple gambling websites? Also multiple transactions on multiple gambling websites in a very short space of time by a customer who has never previously used their card on such websites should have aroused suspicion with the bank, not the opposite because they were 'linked'.

This.
If this whole story is true it's more indicative of someone close to the OP being malicious rather than trying to defraud them. And OP must surely know who it is.

TheShape

djpailo wrote: »

This is the first thing I was wondering and I am very surprised no one else has asked this (upon skim reading the posts, maybe I missed it?).

@Maquinn88, generally the only way someone can access your phone is if your phone did not have a lockpin/ fingerprint lock OR somene knew your pin. If either of these are true, you've let people have unlimited access to everything on your phone so you can't really expect the bank to reimburse you. The only other way is SIM cloning which is more difficult or if the phone number was switched, again more difficult to do without your knowledge.

You could read authorisation codes sent to you by a bank etc if you allow notifications on your lock screen.