RBS Debit Card used fraudulently on amazon , neither will explain how.
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My RBS debit card for a RBS account I keep as a fall back account and rarely used was used over a period of 5 months for purchases and a Prime membership on Amazon.co.uk.
The debit card had never been used by me for purchases on Amazon and the debit card had only been used 2 times between January 2018 and March 2020. Both times were point of sale uses where the card was inserted into a machine at the payment point and did not leave my sight. The two places the card was used at were reputable retailers one in Scotland and one in England. The bank account for the debit card card had one additional transaction in the period of an online banking payment made by me to a supplier , the online banking transaction did not require the supplier to know the debit card number, billing address or security number..
At no time had I input the CVV/CSV 3 digit code into any online transaction nor had I read it out over the phone. I had not used the card in an ATM .
RBS informed me of the fraud and have refunded me the total spend on the card. I have no dispute with their handling of this part of the case.
RBS are unable to explain how the card was used on Amazon and how my billing address and card security number were obtained. I have had the usual details about Phishing, scam emails, used by a relative or friend, etc but I really don't think any of these scenarios apply to me. The reason being the card is kept safe in my wallet and I do not live in the UK, I visit occasionally but aside from the transaction I have described do not use the card or the account.
I am unable to establish how the card was used on Amazon by a person without knowledge of the security number and billing address. Amazon will not help me on this issue. The amounts were small but there must have been a delivery address associated with the purchases and as a Prime membership was set up also a names and amazon account details.
Amazon will not help . RBS are satisfied that by refunding me the money that the case is closed.
I want to know how the card details were obtained given that the card was only used twice in recent history, I also want to know how the security number was obtained and my billing address in order to use the card on the Amazon .co.uk platform.
I am wondering if this was actually bank or Amazon error rather than fraud.
Any advice as to how I can get more answers. I am happy to do the leg work myself I just need to know where to start. RBS have sent me a letter saying they will not further communicate with me on this matter.