Fraudulent activity on credit card

diystarter7

rdchick said:

Of course it's most likely all happened online so physical movement doesn't really matter for that but if it did he'd have alibis 😅 
I think it's just lucky he found out literally moments after the large transactions happened so was able to stop the card almost immediately. 

So general consensus is that he should be ok and the money should be returned to Barclaycard?

Hi

Money was never returned to "Barclaycard" as we never paid what we knew we did not own.
Ours were large transactions as we had a massive credit limit as we both word at the time
If you are unsure, give BC a call for reassurance and if they have not mentioned, 'pay what you think are your payements' ask them to do that. Our experience was from years ago but it must still be the way forward IMO.



Then make a note of the date/time you rang and person you spoke to.

Good luck

btw - I think it was another similar thread re banking i posted on an hour ago - payments do no show up for days at a time at times and if I bought near where we live, their hQ may be in Wales and under a different title so long as the figures do not tally with what your OH did to or a few days ago, you will be advised not to pay just we did not.

(I've seen payments added to our card and think, WTH, but it is as above)

born_again

diystarter7 said:

What may seem to you as a "stupid question" to me it was no big deal and easier for the staff on the other side of the phone to jot down whom we recently used that we had not used before - it was actually places I recall, a computer repair shop and small outfit, vheicle rental.  In situations like thie ie fraud against one card, I'm more than happy for them to involve the FBI from the states as I've nothing to hide.

Banks have a duty to their savers etc and have a right to ask questions. What they do after that is up to them. If you have nothing to hide, then its easy to agree.

Thanks

 

It's stupid, as I would get my backside kicked for asking a customer with fraud on their account, something like that when you have all the transaction sat on the screen in front of you.

diystarter7

born_again said:

diystarter7 said:

What may seem to you as a "stupid question" to me it was no big deal and easier for the staff on the other side of the phone to jot down whom we recently used that we had not used before - it was actually places I recall, a computer repair shop and small outfit, vheicle rental.  In situations like thie ie fraud against one card, I'm more than happy for them to involve the FBI from the states as I've nothing to hide.

Banks have a duty to their savers etc and have a right to ask questions. What they do after that is up to them. If you have nothing to hide, then its easy to agree.

Thanks

 

It's stupid, as I would get my backside kicked for asking a customer with fraud on their account, something like that when you have all the transaction sat on the screen in front of you.

Hi

That's your choice and my choice is clear, ie when asked a question if fraud is committed o my account, I answer the question
as long as it makes sense to me

he highlighted bit, You do comprehend that its the bank asking the OP/me the question and not the retailer that I have never used for the fraudulent transactions??

Thanks

born_again

diystarter7 said:

born_again said:

diystarter7 said:

What may seem to you as a "stupid question" to me it was no big deal and easier for the staff on the other side of the phone to jot down whom we recently used that we had not used before - it was actually places I recall, a computer repair shop and small outfit, vheicle rental.  In situations like thie ie fraud against one card, I'm more than happy for them to involve the FBI from the states as I've nothing to hide.

Banks have a duty to their savers etc and have a right to ask questions. What they do after that is up to them. If you have nothing to hide, then its easy to agree.

Thanks

 

It's stupid, as I would get my backside kicked for asking a customer with fraud on their account, something like that when you have all the transaction sat on the screen in front of you.

Hi

That's your choice and my choice is clear, ie when asked a question if fraud is committed o my account, I answer the question
as long as it makes sense to me

he highlighted bit, You do comprehend that its the bank asking the OP/me the question and not the retailer that I have never used for the fraudulent transactions??

Thanks

Yes. As it exactly what I do, talking from the banks perspective. 

rdchick

diystarter7 said:

rdchick said:

Of course it's most likely all happened online so physical movement doesn't really matter for that but if it did he'd have alibis 😅 
I think it's just lucky he found out literally moments after the large transactions happened so was able to stop the card almost immediately. 

So general consensus is that he should be ok and the money should be returned to Barclaycard?

Hi

Money was never returned to "Barclaycard" as we never paid what we knew we did not own.
Ours were large transactions as we had a massive credit limit as we both word at the time
If you are unsure, give BC a call for reassurance and if they have not mentioned, 'pay what you think are your payements' ask them to do that. Our experience was from years ago but it must still be the way forward IMO.



Then make a note of the date/time you rang and person you spoke to.

Good luck

btw - I think it was another similar thread re banking i posted on an hour ago - payments do no show up for days at a time at times and if I bought near where we live, their hQ may be in Wales and under a different title so long as the figures do not tally with what your OH did to or a few days ago, you will be advised not to pay just we did not.

(I've seen payments added to our card and think, WTH, but it is as above)

I mean the balance goes back to the last transaction made by yourself? He's told them what his last transaction was and doesn't use the card very often and keeps the available amount low due to things like this happening.

diystarter7

rdchick said:

diystarter7 said:

rdchick said:

Of course it's most likely all happened online so physical movement doesn't really matter for that but if it did he'd have alibis 😅 
I think it's just lucky he found out literally moments after the large transactions happened so was able to stop the card almost immediately. 

So general consensus is that he should be ok and the money should be returned to Barclaycard?

Hi

Money was never returned to "Barclaycard" as we never paid what we knew we did not own.
Ours were large transactions as we had a massive credit limit as we both word at the time
If you are unsure, give BC a call for reassurance and if they have not mentioned, 'pay what you think are your payements' ask them to do that. Our experience was from years ago but it must still be the way forward IMO.



Then make a note of the date/time you rang and person you spoke to.

Good luck

btw - I think it was another similar thread re banking i posted on an hour ago - payments do no show up for days at a time at times and if I bought near where we live, their hQ may be in Wales and under a different title so long as the figures do not tally with what your OH did to or a few days ago, you will be advised not to pay just we did not.

(I've seen payments added to our card and think, WTH, but it is as above)

I mean the balance goes back to the last transaction made by yourself? He's told them what his last transaction was and doesn't use the card very often and keeps the available amount low due to things like this happening.

Hi

From memory as we did not have net baking etc and paid when bill arrived via cheque sent via post. When I noted the payments that were not from us, there were 3/4 of them, I rand Barclays fraud - they said pay what you own. I told them re the 4 transctions that werre not ours and they must have made a note. They asked me about if we had used car recently at places not used before and told them about that but those were legal payments we made but new to us

Therefore, bank was made aware about the monthly cc bill what was not ours and we sent a cheque for the amount demanded as we pay off our cc 100%- we deducted the payments that we had not made/used. Never heard about it again about the fraud/etc

However, as I said, this was done on the basis of the phone call and the fraud that was carried out was on the one bill only.

So give them another call and see what they say

Good luck