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Credit card fraud yet again
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hubb
Posts: 2,501 Forumite


Well, this is the 4th time in about 6 years my tesco credit card has been compromised as hotel stays around the country are showing on my latest bill. I am careful with my details and only buy from reputable sites so for the life of me I don’t know how anyone has been able to stay in hotels with my card details. Even worse, I have tried to get in touch with Tesco and just about managed to block the card via an app (no way of doing it any other way) but have still not heard back from Tesco regarding the bill I have for stuff I didn’t authorise. Looking at all the transactions, it looks like someone visiting from the US has stayed all over the country and used it the last time buying internet in flight time from an American company.
I’m at a loss what to do because Tesco don.’t seem in a hurry to rectify, or even try and track down the villian who did this. Should I contact the hotels and see if they can find out the culprit ? I need proof that this wasn’t myself.
I’m at a loss what to do because Tesco don.’t seem in a hurry to rectify, or even try and track down the villian who did this. Should I contact the hotels and see if they can find out the culprit ? I need proof that this wasn’t myself.
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I would be seriously considering whether to submit a Protective Registration with CIFAS...
https://www.cifas.org.uk/services/identity-protection/protective-registration
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
Its just not good enough for Tesco to have such poor security. I will change my credit card company.0
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The breach is likely to be close to home, either electronic or human.
Have a review of your usual practices.1 -
hubb said:I’m at a loss what to do because Tesco don.’t seem in a hurry to rectify, or even try and track down the villian who did this. Should I contact the hotels and see if they can find out the culprit ? I need proof that this wasn’t myself.
Whether or not they choose to pursue the matter to find out who cost them money (not your money of course, once refunded) is up to them and they won't share any details with you....4 -
Deleted_User said:The breach is likely to be close to home, either electronic or human.
Have a review of your usual practices.I agree .I think I would consider getting another credit card from another company, using that and hide and don't use but observe the Tescocard. Go to text alerts on tesco and set it up so that as soon as a little amount is spent you will get an alert.If the fraud is close to you, you dont want the consequences to harm you because in a mud or shirt splash, the mud and Shirt might stick to you !
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2e0arr said:Deleted_User said:The breach is likely to be close to home, either electronic or human.
Have a review of your usual practices.I agree .I think I would consider getting another credit card from another company, using that and hide and don't use but observe the Tescocard. Go to text alerts on tesco and set it up so that as soon as a little amount is spent you will get an alert.If the fraud is close to you, you dont want the consequences to harm you because in a mud or shirt splash, the mud and Shirt might stick to you !
If anyone can recommend a decent credit card that earns good cash back etc I will be grateful. I always pay my card off in full every month, but obviously not this time.0 -
In most cases the bank must refund the payment without undue delay and by the end of the business day following the day on which it became aware of the problem, unless it has reasonable grounds for suspecting that you have acted fraudulently.
For ideas about other cards, see https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/3 -
eskbanker said:In most cases the bank must refund the payment without undue delay and by the end of the business day following the day on which it became aware of the problem, unless it has reasonable grounds for suspecting that you have acted fraudulently.
For ideas about other cards, see https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/0 -
Just a thought.......You say that this has happened mutiple times and that you are careful where/how you shop, online? This is great but....Have you tried making sure the computer devices you use have not been compromised in some way and they are not the source of the leak of your details?3
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>> I am careful with my details and only buy from reputable sites so for the life of me I don’t know how anyone has been able to stay in hotels with my card details. <<
Just because you think a site is reputable does not stop them getting compromised. Think British Airways and many other household names who have had the same issues. Never mind the fact that many retailers do not check staff for any criminal or financial history.
Blame the retailers for not fully checking details. But than again would the public be happy that no retailer would take a card transaction from only the card holder (so no paying for anyone else) or only sending to the account address.
Card providers are not the police. They do not go to find out who the person is. The retailer is the one that has all the details of who, where etc. They are the one's that need to involve the police as they are out of pocket. Do they? From experience NO.
Please be aware that banks are under great pressure at the moment. Staff off sick, more people calling in.
You will not be out of pocket.
Swapping card providers might not help. It could just be some local retailer you use your card at, that has a less than honest employee working there.Life in the slow lane2
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