Credit card fraud but the bank dont believe me!

Fran56

I am hoping someone can help me.
I am currently living in Australia and have two credit cards, one with nationwide and one with Santander. Last week 3 transactions on each credit card appeared. All ATM withdrawals all from the same bank. I have never been to this bank nor have I ever withdrew money from a cash point with my credit cards. I still have possession of my cards and I do not have the pin written down so there is no possibility that these withdrawals happened at the ATM. I questioned this with the bank which the ATM machine is at and they informed me that the information that it states on my statement is not the same as what would appear if I was to withdraw money from their cash point.
I filed a fraud claim with both banks and both have refused that it is fraud and stated that someone had my card and pin to which i know could not be possible. Could this be an internet scam or something online I am unsure where to go/what to do.

Please someone help!!

worried_jim

Where in the world were these ATMs? The place your are now in Aus or another country?

Fran56

The 'ATM' is in the exact town where I live! So it looks 100% unbelievable to the bank.

worried_jim

So if it isn't you, someone in the household has done it. Sadly seen it a few times, sometimes looking at bank records for customers at the same address could even work out which family member it was likely to have been. Not nice to think family or friends could do this which is why it doesn't even cross the mind of a lot of victims. Who springs to mind now? Anyone with a brand new pair of trainers?

Lorian

Fran56 wrote: »

I questioned this with the bank which the ATM machine is at and they informed me that the information that it states on my statement is not the same as what would appear if I was to withdraw money from their cash point.

What does this mean? explain some more please.

What was the value of the transactions?

All on the same day?

[Deleted User]

Gotta love the school holidays.

All the best ones come out of the woodwork

mattvolatile

It's definitely possible the withdrawals happened at the ATM - your card could have been cloned and the PIN captured by skimming or similar technology.

ATMs usually have cameras, though I'm not sure of what laws in Australia would apply. Ask in the Australian legal subforum on Reddit, maybe, who can give Australia-specific advice.

Fran56

So the ATM which the money was withdrawn from that it states on my statement have told me that it was not that ATM as the details of the ATM are incorrect.
The value of the transactions all 6 transactions varied from the £100-£170 mark.
All of them across 2 days.

Fran56

There is only me and my partner in the house and he doesnt know the pin to the cards we were both at work at all the times which it says the money was withdrawn. And the bank have said it wasnt their ATM.

cymruchris

Do the banks know you live in australia?


Who lives in the UK house where the cards were registered?


What kind of property is it? Where is the mailbox?

Fran56

Yes the bank is aware I am in Australia. The house that the card is registered with is my grandparents the mail goes straight through the front door so no access to public.
The bank in Australia believes it is an online scam but the English banks do not believe me