TSB internet banking fraud

tram73

We stay at my mother inlaws in France so we use her wifi which is supplied by Orange which was a question from the lady from TSB. She seemed to be saying the transactions came from my account not the debit card otherwise the transaction could've been cancelled before the money went out. She also mention they used faster payment which is why she kept asking me had I given my internet banking details out to anyone. Which I havent because to do that I'd have to go through the process of security questions just to get my password. I only use my iphone and the thumbprint to access my account. Plus i have Mcafee on my Iphone for extra security.

Aidanmc

Terry_Towelling wrote: »

Finally, how would TSB be able to contend that an IP address points to an Iphone? Do Iphone IP addresses have particular characteristics that identify them, or is an IP address an IP address?

I believe banks can tell what type of device is used for the access to the account. Once i had a N&P account and a couple of times i got locked out of online banking access. I phoned them to get it unlocked and they were able to tell me the access was attempted from at ipad and the time it was attempted.
On another occasion with Halifax clarity my card details were used in an online transaction, Halifax first flagged the transaction and blocked my card instantly, they were able to tell me the transaction was attempted in Malta!

Ben8282

tram73 wrote: »

We stay at my mother inlaws in France so we use her wifi which is supplied by Orange which was a question from the lady from TSB. She seemed to be saying the transactions came from my account not the debit card otherwise the transaction could've been cancelled before the money went out. She also mention they used faster payment which is why she kept asking me had I given my internet banking details out to anyone. Which I havent because to do that I'd have to go through the process of security questions just to get my password. I only use my iphone and the thumbprint to access my account. Plus i have Mcafee on my Iphone for extra security.

Money cannot be taken by faster payment. To make a faster payment you must first set up a new payee so in this case the payee should be showing on your list of payees. which will also show the sort code and account number of the payee to which the money has been sent. To set up a new payee there is additional security in place. So a new payee must have been set up and then the fraudster made 3 payments over a period of time. It is very odd that they should make the first £1 payment and then wait before making the other payments because any fraudster would assume that you would have noticed immediately that the first £1 left the account or realised that a new payee had been set up without your knowledge. The fact that you can still log in to your account means that the fraudster cannot have changed your password so somebody logged into your account using your password, set up a new payee and managed to pass the necessary security to do this, the bank never informed you that a new payee had been set up then the fraudster logged in at least 3 more times to make the 3 payments.
You must be very unfamiliar with online banking to not be able to know yourself just by looking what sort of transactions these were and needing the lady at TSB to tell you!
The bank will know the IP address of all log-in's so if the log-in's were all from your aunt's house using her Wi-Fi then it was either you or somebody else in that house who knows your passwords and presumably also has access to your phone to be able to intercept any notifications and/or security checks regarding the setting up of a new payee,
I can well understand why the bank don't believe you.

Aidanmc wrote: »

I believe banks can tell what type of device is used for the access to the account.

Maybe. Maybe not. But they will definitely have a record of the IP address for each log-in and I think the browser type as well.
Also, the log-in's were not necessarily from the OP's phone; they could have been from any device connected to the aunt's Wi-Fi.

18cc

I agree with what Ben above says something here does not make sense

in order to pay for tickets using faster payments you need to setup the payee first - this requires logging on to your internet banking either on a desktop or via your app. it also requires additional security to set up a new payee. I don't have TSB myself but for example with Nationwide it involves using a card reader

if you didn't make the payments this mean someone has access to your internet banking credentials and also your additional security arrangements for setting up new payees.

Your post is a bit confusing but from what I read into it it seems like the payments were made using the IP address in France this might give you a clue as to who made them.

Zanderman

OP - stop telling us what you think TSB said to you when you rang them.

Instead, tell us what your internet banking tells you about the transactions. How are they described?

Getting that info will tell you HOW the transaction was made: FP, DD or card. The coding next to the transactions will tell you.

Also check the faster payments and direct debits set up on your account - have those changed?

You have access to this info - I suspect TSB are, inadvertently, confusing you - so go into internet banking or the app and look at what happened.

And then describe it here. Not what the bank told you. what your login tells you.

Also, yahya does not come up as a ticketing agency - so can you clarify what you think it is - did you mis-spell it, did you mean an artist called yahya?

DCFC79

Ben8282 wrote: »

My question exactly. HOW was this money taken from the account? I would assume debit card yet the words 'debit card appear nowhere in the OP.
I have also googled the name Yahya but nothing comes up about a ticket agency so wondering why it did for you (and presumably TSB as well).

The spelling must be wrong as all I got up and I guess you did too is about John the Baptiste.

DCFC79

18cc wrote: »

I agree with what Ben above says something here does not make sense

in order to pay for tickets using faster payments you need to setup the payee first - this requires logging on to your internet banking either on a desktop or via your app. it also requires additional security to set up a new payee. I don't have TSB myself but for example with Nationwide it involves using a card reader

if you didn't make the payments this mean someone has access to your internet banking credentials and also your additional security arrangements for setting up new payees.

Your post is a bit confusing but from what I read into it it seems like the payments were made using the IP address in France this might give you a clue as to who made them.

To add a new payee in TSB your mobile ohone or landline are used and st the prompt you enter the code thats displayed on the banking page.

tram73

I’ve not logged on since this all happened. It’s got me a bit paranoid. My phone app is not giving me the choice of using my thumb print. I’ll try and log in and see.

sheramber

The bank were able to tell my husband a fraudulent transaction had been made with his debit card number in a supermarket in a specific town.

They licked the transaction up immediately and notified him.

They were able to tell my son a fraudulent transaction had been made with an iphone, but knew it was not his.

agrinnall

DCFC79 wrote: »

The spelling must be wrong as all I got up and I guess you did too is about John the Baptiste.

Looks like an airline ticket agency. Not sure what search you did that was unable to find it - I searched for yahya ticket agency.



https://yahya-travels.business.site/