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RBS Debit Card used fraudulently on amazon , neither will explain how.

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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. 

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Replies

  • SpankSpank Forumite
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    Amazon don't use the cvv, I'm surprised nobody told you this. 
  • Barny1979Barny1979 Forumite
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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. 

    They've refunded you, end of. Why worry yourself? Unless you want to crack the case and blow the whole operation apart?!
    2013 - 313 AFDs, 2014 - 289 AFDs, 2015 - 321 AFDs, 2016 - 276 AFDs, 2017 - 276 AFDs, 2018 - 240 AFDs 2019 - 285 AFDs 2020 - 181 AFDs to end of August
    MFW Challenge 2019 - £1809/£1809, 2020 - £1791.09/£1750
  • sherambersheramber Forumite
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    What address is shown in your Amazon account. It should show delivery address
  • edited 9 September at 8:54PM
    MalMonroeMalMonroe Forumite
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    edited 9 September at 8:54PM
    You have your money back, thank goodness. Haven't amazon suggested a complete overhaul of your account with them? Someone once was trying to use my amazon account but it was intercepted and stopped - I was unaware at the time - no money was taken but items had been ordered. Then I had to change passwords and amazon also suggested that I used additional security measures to login to my account. I do but it's a bit of a faff! Fraudsters are very clever these days and can get all kinds of information without it having been divulged by anyone.  [I keep hearing about the Dark Web but think it's best for me to leave that subject alone!]

    As Barny1979 says, why worry yourself? Amazon are not going to give you any information at all, I know because I tried to get to the bottom of the scam that affected my account. You can do all the leg work in the world but you won't get any further information out of amazon. 

    You've lost nothing, it was very inconvenient and a nuisance but you have to move on. Otherwise you'll drive yourself mad!
  • MalMonroeMalMonroe Forumite
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    sheramber said:
    What address is shown in your Amazon account. It should show delivery address
    Nope, it won't. I was victim to a similar scam. Fraudsters are cleverer than that.
  • SmallpotatoSmallpotato Forumite
    6 posts
    First Post
    It was not my amazon account that was compromised .  it was my Debit card which was used by some one on their own amazon account.   My Debit card  had never been used by me  on Amazon
  • SmallpotatoSmallpotato Forumite
    6 posts
    First Post
    MalMonroe said:
    You have your money back, thank goodness. Haven't amazon suggested a complete overhaul of your account with them? Someone once was trying to use my amazon account but it was intercepted and stopped - I was unaware at the time - no money was taken but items had been ordered. Then I had to change passwords and amazon also suggested that I used additional security measures to login to my account. I do but it's a bit of a faff! Fraudsters are very clever these days and can get all kinds of information without it having been divulged by anyone.  [I keep hearing about the Dark Web but think it's best for me to leave that subject alone!]

    As Barny1979 says, why worry yourself? Amazon are not going to give you any information at all, I know because I tried to get to the bottom of the scam that affected my account. You can do all the leg work in the world but you won't get any further information out of amazon. 

    You've lost nothing, it was very inconvenient and a nuisance but you have to move on. Otherwise you'll drive yourself mad!

    Hi all.  It was not my Amazon account that was compromised.  It was my bank account.  The person who managed to either obtain my card details or used a programme to generate my card details used the card on an Amazon account or account(s).  It has nothing to do with my own amazon account at all. 
    That's what I cannot seem to get over to any one.  What I want explained is how a person was able to use my debit card , work out the CVV code and establish my address to use the card to purchase items when the card almost never left my wallet, was only used 2 times in 2.5 years .  I am concerned that the bank are covering a bank error   and will not admit it.  Surely I have the right to know more details of how this debit fraud was committed.
  • SmallpotatoSmallpotato Forumite
    6 posts
    First Post
    Barny1979 said:
    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. 

    They've refunded you, end of. Why worry yourself? Unless you want to crack the case and blow the whole operation apart?!

    Would like to know from the bank how a person gets my CVV number and address for a debit card that  has only been used 2 times in 2.5 years and spends 99.9% of time secure in my wallet  overseas.
  • Barny1979Barny1979 Forumite
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    Barny1979 said:
    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. 

    They've refunded you, end of. Why worry yourself? Unless you want to crack the case and blow the whole operation apart?!

    Would like to know from the bank how a person gets my CVV number and address for a debit card that  has only been used 2 times in 2.5 years and spends 99.9% of time secure in my wallet  overseas.
    My parents had it a few months ago on a card they never used was  used to buy itunes  gift cards. They were refunded and moved on with their lives.
    2013 - 313 AFDs, 2014 - 289 AFDs, 2015 - 321 AFDs, 2016 - 276 AFDs, 2017 - 276 AFDs, 2018 - 240 AFDs 2019 - 285 AFDs 2020 - 181 AFDs to end of August
    MFW Challenge 2019 - £1809/£1809, 2020 - £1791.09/£1750
  • TakmonTakmon Forumite
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    Barny1979 said:
    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. 

    They've refunded you, end of. Why worry yourself? Unless you want to crack the case and blow the whole operation apart?!

    Would like to know from the bank how a person gets my CVV number and address for a debit card that  has only been used 2 times in 2.5 years and spends 99.9% of time secure in my wallet  overseas.
    Well the first reply to your post told you that Amazon don't require the CVV number to make purchases yet your still asking this. So i don't think you cut out for this kind of investigation if you miss information that is handed to you lol
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