keep being subject to card fraud

AnotherJoe

Deleted_User said:

AnotherJoe said:

Deleted_User said:

Eyeful said:

Is it a credit or debit card?

Have you used the card on your computer or mobile. If yes, run a security scan on both. 

When you blocked your old cards got new ones, did you tell the bank not to use "automated payment updating". As I   understand it, banks use this method to automatically inform PayPal, Google Pay, Amazon, of your new card details, without you getting involved.

Perhaps you should look into  "automated payment updating".

What was the "same place" both were used at .

Have you stored the card number on your mobile. Make sure bluetooth is off.

Both, first card was debit, this new fraud was on the credit card.

Yes they do have that automated payment, and I have tried to ask the bank to turn it off but they don't seem to be able to.

The same place was my work canteen. 

The card is not stored on my mobile, apart from Apple pay. I don't use wifi or blue tooth 90% of the time.

Thanks

Are you a woman?

Do you leave your purse by your desk sometimes?

If so, seems fairly obvious a co worker is taking your card.

If a man, is your wallet in your jacket and you leave that on the back of your chair?

No one is hacking your PC or phone to get card details to buy a sandwich in your work canteen.

I'm a man but yes in theory a wallet could be taken out of my jacket pocket when I am away from the desk, but in covid times it would be very obvious and risky. But a possibility.

They bought something which was over £1300, not a sandwich. But I suspect the work canteen is where the card details could have been copied.

Yes but they started with two purchases in your work canteen. Then they got a bit bold, no comebacks, so branched out on a big item.

This isn't someone in India or Russia, is it?!

And its not really that risky, Covid is mainly spread by breath not surfaces, there are almost zero cases of it being spread by surfaces, and in any case, thieves arent generally known for their good life choices.

Stop leaving your wallet untended. I dont know if your work has CCTV in the canteen, if so perhaps they coudl match up the times of the purchases? Its not going to be a faulty cash register, unless its developed sentience and decided it would like to buy an 85 inch TV or similar

[Deleted User]

AnotherJoe said:

Deleted_User said:

AnotherJoe said:

Deleted_User said:

Eyeful said:

Is it a credit or debit card?

Have you used the card on your computer or mobile. If yes, run a security scan on both. 

When you blocked your old cards got new ones, did you tell the bank not to use "automated payment updating". As I   understand it, banks use this method to automatically inform PayPal, Google Pay, Amazon, of your new card details, without you getting involved.

Perhaps you should look into  "automated payment updating".

What was the "same place" both were used at .

Have you stored the card number on your mobile. Make sure bluetooth is off.

Both, first card was debit, this new fraud was on the credit card.

Yes they do have that automated payment, and I have tried to ask the bank to turn it off but they don't seem to be able to.

The same place was my work canteen. 

The card is not stored on my mobile, apart from Apple pay. I don't use wifi or blue tooth 90% of the time.

Thanks

Are you a woman?

Do you leave your purse by your desk sometimes?

If so, seems fairly obvious a co worker is taking your card.

If a man, is your wallet in your jacket and you leave that on the back of your chair?

No one is hacking your PC or phone to get card details to buy a sandwich in your work canteen.

I'm a man but yes in theory a wallet could be taken out of my jacket pocket when I am away from the desk, but in covid times it would be very obvious and risky. But a possibility.

They bought something which was over £1300, not a sandwich. But I suspect the work canteen is where the card details could have been copied.

Yes but they started with two purchases in your work canteen. Then they got a bit bold, no comebacks, so branched out on a big item.

This isn't someone in India or Russia, is it?!

And its not really that risky, Covid is mainly spread by breath not surfaces, there are almost zero cases of it being spread by surfaces, and in any case, thieves arent generally known for their good life choices.

Stop leaving your wallet untended. I dont know if your work has CCTV in the canteen, if so perhaps they coudl match up the times of the purchases? Its not going to be a faulty cash register, unless its developed sentience and decided it would like to buy an 85 inch TV or similar

The first two purchases were on a different card and not at the canteen, they were on websites. I just used the card at the canteen. As I also used the second card which was fruaded for £1300 a month or so later. Both cards were used at the canteen which is the only link between the two and hence my suspicion the canteen is a possible place of origin for the fraud. The second card was brand new.

I am in the UK

Yes I think I will certainly leave my wallet in my locker in future. I suspected the cash register/card reader had some sort of tool on it to copy the details and perhaps there is a hidden camera to record my pin.

AnotherJoe

Deleted_User said:

AnotherJoe said:

Deleted_User said:

AnotherJoe said:

Deleted_User said:

Eyeful said:

Is it a credit or debit card?

Have you used the card on your computer or mobile. If yes, run a security scan on both. 

When you blocked your old cards got new ones, did you tell the bank not to use "automated payment updating". As I   understand it, banks use this method to automatically inform PayPal, Google Pay, Amazon, of your new card details, without you getting involved.

Perhaps you should look into  "automated payment updating".

What was the "same place" both were used at .

Have you stored the card number on your mobile. Make sure bluetooth is off.

Both, first card was debit, this new fraud was on the credit card.

Yes they do have that automated payment, and I have tried to ask the bank to turn it off but they don't seem to be able to.

The same place was my work canteen. 

The card is not stored on my mobile, apart from Apple pay. I don't use wifi or blue tooth 90% of the time.

Thanks

Are you a woman?

Do you leave your purse by your desk sometimes?

If so, seems fairly obvious a co worker is taking your card.

If a man, is your wallet in your jacket and you leave that on the back of your chair?

No one is hacking your PC or phone to get card details to buy a sandwich in your work canteen.

I'm a man but yes in theory a wallet could be taken out of my jacket pocket when I am away from the desk, but in covid times it would be very obvious and risky. But a possibility.

They bought something which was over £1300, not a sandwich. But I suspect the work canteen is where the card details could have been copied.

Yes but they started with two purchases in your work canteen. Then they got a bit bold, no comebacks, so branched out on a big item.

This isn't someone in India or Russia, is it?!

And its not really that risky, Covid is mainly spread by breath not surfaces, there are almost zero cases of it being spread by surfaces, and in any case, thieves arent generally known for their good life choices.

Stop leaving your wallet untended. I dont know if your work has CCTV in the canteen, if so perhaps they coudl match up the times of the purchases? Its not going to be a faulty cash register, unless its developed sentience and decided it would like to buy an 85 inch TV or similar

The first two purchases were on a different card and not at the canteen, they were on websites. I just used the card at the canteen. As I also used the second card which was fruaded for £1300 a month or so later. Both cards were used at the canteen which is the only link between the two and hence my suspicion the canteen is a possible place of origin for the fraud. The second card was brand new.

I am in the UK

Yes I think I will certainly leave my wallet in my locker in future. I suspected the cash register/card reader had some sort of tool on it to copy the details and perhaps there is a hidden camera to record my pin.

Sorry I must have misread, i thought you had said the two fraudulent low value transactions were at your canteen. My bad.

DCFC79

Hope you get it sorted and keep the thread updated.

Eyeful

On the internet I have read that the crooks had installed card skimmer's at the checkout tills of some of the large retail stores. Obviously with the help of the stores employees. Looking at the the photos of the crooks checkout tills they are virtually the same as the normally checkout tills. Perhaps the UK crooks are following their example!

[Deleted User]

DCFC79 said:

Hope you get it sorted and keep the thread updated.

Thanks I promise to I know a lot of times people makes these threads and don't give an ending!

[Deleted User]

Eyeful said:

On the internet I have read that the crooks had installed card skimmer's at the checkout tills of some of the large retail stores. Obviously with the help of the stores employees. Looking at the the photos of the crooks checkout tills they are virtually the same as the normally checkout tills. Perhaps the UK crooks are following their example!

My investigation will find if that is the case if this new trap card gets fraud after I use it in the said place. It will take a few weeks. 

born_again

[Deleted User] said:

I have had two instances of card fraud over the past six weeks. On the first occasion two payments of around £50 each were made on my debit card. RBS stopped these payments with their automatic fraud prevention system and sent me a new card. The payments were to Game and a drug website. I was unsure of how the card details had been stolen, and to play it safe had all my debit and credit cards marked as stolen and re-issued.

Fast forward six weeks and again I have had fraud on one of my cards, this time on an HSBC credit card. This card is brand new and has only been used four times since the card was issued. The card was only used at legit companies. This time however the fraud was for a much higher amount of some £1300. The payment is to an electrical retailer. This payment was not stopped by anyone and I only noticed a few hours before it cleared. I called HSBC to report this transaction as fraud and they blocked the card and issued a new one, and raised a payment dispute. When I called the bank the payment was still pending but has since cleared. The payment was via PayPal (I don't have an account but the company uses PP as a payment method) I have contacted the company also but never received a response.

I am at a loss of how this fraud is occurring as I am very careful about where I use the cards. I can rule out anyone in my household and at the time this payment was made I was at work and had the card with me. The bank estaminet online says that the pin was not entered when the payment was made. I am worried to use any card and they are now all blocked via the apps. I am getting worried now as £1300 is a lot of money to have to cover and I still have no refund from the bank. I can't see how these people are getting my card details, the card never leaves me, I only used it four times in three different places. Both cards that have been frauded were used at the same place once. But this is not conclusive as I cannot remember if the payments were contact or chip and pin. 

I have reported the fraud to the police fraud website. Are HSBC likely to offer a refund? is there anything I else I can do?

You may well use your cards at "Legit" companies. But you have no knowledge of the staff in the background who can take the details or the retailer has been subject to a compromise, remember "BA" the other year...

It is simply a case of someone taking you 16 digit card number which can be anywhere the card has been used, either online of a bricks & mortar retailer. Retailer side of till rolls have your full card no & exp on them. So you can see how easy it is for someone to take the details.

Banks will claim the money back from the retailer. Who may or may not provide details to the bank.

You should have had a refund straight away, as per payment service directive for fraud.

[Deleted User]

I have now received a conditional refund. The company has passed the details to the bank of the order that was made on my card. All cards have been canceled now and I won't be using them at all apart from via Apple Pay or if required contactless. I am trying to find the source of the fraud. 

born_again

Deleted_User said:

I have now received a conditional refund. The company has passed the details to the bank of the order that was made on my card. All cards have been canceled now and I won't be using them at all apart from via Apple Pay or if required contactless. I am trying to find the source of the fraud. 

Just to make you aware, that while as a customer you do not get a receipt unless you ask. The merchant still has their copy which has your full card details on it.
So dishonest person with access to till roll = Bingo card numbers.