ADVICE: Attempted debit from Wizz Air - HSBC apparently can't act

eskbanker

swarden13510 said:

I switched to a different account with HSBC a few months ago and they sent out the new card. Because of all the postal delays, I hadn't actually received the new card so stopped using the old card and started using another. My new card finally arrived this week and I went on to Apple Pay to switch the cards over - this is when I noticed two attempted transactions by Wizz Air on the old HSBC card (both were declined because there was obviously an expired block on the card). They were for €4.95 each and one was attempted at the beginning of February and one at the beginning of this month so it looks like some kind of subscription. Not only have I not subscribed to anything with Wizz Air, I haven't even used this card in several months.

I'm struggling to follow the references to accounts and cards - do you have an old account with HSBC and a new one also with them, and a third one elsewhere?  If the card for the old account expired, wouldn't they have sent a replacement for that (as well as the card for the new account), i.e. if you haven't received both then someone else perhaps has?

On the other hand, if you closed the old account when you switched to the new one, then surely it doesn't really matter if someone tries to access a non-existent account?

anotheruser

swarden13510 said:

Deleted_User said:

swarden13510 said:

Ergates said:

There is no way the bank (or anyone else) can prevent someone from *trying* to take money from your account - they can just stop some *actually* taking money from your account. 

I understand that but I would have thought that if I flagged this as a suspicious transaction then if it was attempted again it would be declined on that basis?

HSBC aren't going to block all Wizz Air transactions. They won't know if you made them or not.

These banks use complex trends and algorithms to recognize fraudulent transactions

Do they?
There's a lot of industries that are actually quite far behind in technology.  They think they're up to date but they're still archaic.