Credit card fraud but the bank dont believe me!

molerat

You now need to go through the card issuer complaints procedure.

System

Contact the police (non-emergency number). I mean you are a victim of theft. so why not?

LordSmug

beany_bot wrote: »

Contact the police (non-emergency number). I mean you are a victim of theft. so why not?

Because the OP lives in Australia, and by a remarkable coincidence, the alleged crime also occurred in the same town in Australia that the OP resides in (although the bank there, where the particular ATM is situated, denies the such incidents ever occurred at that location) :cool:

System

LordSmug wrote: »

Because the OP lives in Australia, and by a remarkable coincidence, the alleged crime also occurred in the same town in Australia that the OP resides in (although the bank there, where the particular ATM is situated, denies the such incidents ever occurred at that location) :cool:

Oh I forgot... There is no Police in Australia!! silly me....
Also of course the crime took place in the same town as the OP resides in, that's completely typical of a card skimming scam and exactly what happened to me years ago when my card was skimmed and pin stolen from an ATM.

PRAISETHESUN

As an Australian living in the UK, here's what you need to do on the Australian-side:

Report this to the police in your state/territory as theft/fraud. You should get a crime reference to provide to your bank. There will be CCTV evidence from the ATM at the time of the withdrawal which will need to access sooner rather than later - this will very easily rule out if it is someone in your household or not. From there you need to make a formal complaint with your bank and allow them sufficient time to conduct their investigation.

You have to admit that from the bank's perspective it does look very suspicious and hence why they might be hesitant to accept that this is legitimate fraud/theft. But if you provide enough evidence beyond just your assertion that it is fraud, then it should sort itself out in time.

BoGoF

And prepare for your accounts being closed.

Fran56

Thankyou. Yes I have an appointment with the bank tomorrow to give them the times and date of the transactions. Hopefully this will provide the information needed for the English banks to believe me/ start up an actual investigation because for them to turn around less than 24 hours after it was reported and say it was not theft clearly shows they didnt look into it even though I explained that I have never even been to that ATM.

Terry_Towelling

Can you tell us the exact AUS$ amounts of the withdrawals, how much the cash withdrawal fees came to and the dates they hit your accounts?

eco_warrior

mattvolatile wrote: »

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.

Aren't the ATMs in Australia chip and pin these days, which would rule out a cloned card?

LordSmug

eco_warrior wrote: »

Aren't the ATMs in Australia chip and pin these days, which would rule out a cloned card?

You think that chip & PIN cards cannot be cloned?
Think again

And as a clone is essentially an exact copy of the original (save possinly for any cosmetic differences), no ATM will be able to distinguish between the original and a copy.

But what we do know is:

Fran56 wrote: »

So the ATM which the money was withdrawn from that it states on my statement have told me that it was not that ATM ...

Confirmed again here:

Fran56 wrote: »

.... And the bank have said it wasnt their ATM.