Debt card used at 6am on bus, not by us, bank no help?

Jon_01

My wife had a transaction pop onto her phone last night. Her card had been used on a bus (tap on tap off) at 6am last Monday, the bank holiday.

We were both in bed at that time and the card was in her bag.

She called the bank and was told that as the token was the same as the card, it had to have been someone using that card. They wouldn't hear anything past that, saying that if we hadn't used it, then someone else in the house must have had access and used. There is no one else in the house.

They have cancelled the card, but they're not going to look any further into it.

Is there any point pushing this with them? It's not a lot of money, but I found their attitude very negative to say the least…

[Deleted User]

DId your wife use any bus prior to this alert?

It can take time for the transactions to be processed. So you may board the bus on Monday, but the pyament would not process until Tuesday or Wendesday, or longer if it't not a working day.

Who is the bank?

For little amounts I doubt it's worth it. Just get a new card.

cymruchris

https://forums.moneysavingexpert.com/discussion/6444050/debt-card-used-at-6am-on-bus-not-by-us-bank-no-help

You're confident that nobody had access to the card, and were both in bed - so there has to be another explanation. They aren't interested in helping. At a time like this I might consider opening a new bank account and taking my business elsewhere (Using one of the switch deals that gave me some free cash while I was at it).

Jon_01

https://forums.moneysavingexpert.com/discussion/comment/80029235#Comment_80029235

She has never used the card with that bus company, it doesn't even run near us. She uses the local buses once a week, but she uses their app and that shows on her statement as a completely different type of transaction and as the local bus company. And has never used any of her cards to 'tap on and off'.

The bank is Halifax.

cymruchris

https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/

HSBC is currently offering £200 to switch to them.

Natwest and RBS also.

Might be worth looking into :)

ForumUser7

https://forums.moneysavingexpert.com/discussion/6444050/debt-card-used-at-6am-on-bus-not-by-us-bank-no-help

Could her card have somehow been cloned/skimmed at a previous occaision? Any funny looking things around the card slots of ATMs? Also maybe ask the bank if it's registered on any digital wallets (Apple Pay, Google pay etc.).

penners324

Report it as fraud. If that gets rejected raise an official complaint with the bank. Then FOS

born_again

ForumUser7 said:

My wife had a transaction pop onto her phone last night. Her card had been used on a bus (tap on tap off) at 6am last Monday, the bank holiday.<\/p>

We were both in bed at that time and the card was in her bag.<\/p>

She called the bank and was told that as the token was the same as the card, it had to have been someone using that card. They wouldn't hear anything past that, saying that if we hadn't used it, then someone else in the house must have had access and used. There is no one else in the house.<\/p>

They have cancelled the card, but they're not going to look any further into it.<\/p>

Is there any point pushing this with them? It's not a lot of money, but I found their attitude very negative to say the least… <\/p>","bodyRaw":"[{\"type\":\"p\",\"children\":[{\"text\":\"My wife had a transaction pop onto her phone last night. Her card had been used on a bus (tap on tap off) at 6am last Monday, the bank holiday.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"We were both in bed at that time and the card was in her bag.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"She called the bank and was told that as the token was the same as the card, it had to have been someone using that card. They wouldn't hear anything past that, saying that if we hadn't used it, then someone else in the house must have had access and used. There is no one else in the house.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"They have cancelled the card, but they're not going to look any further into it.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Is there any point pushing this with them? It's not a lot of money, but I found their attitude very negative to say the least… \"}]}]","format":"rich2","dateInserted":"2023-05-03T09:55:32+00:00","insertUser":{"userID":147028,"name":"Jon_01","title":"","url":"https:\/\/forums.moneysavingexpert.com\/profile\/Jon_01","photoUrl":"https:\/\/us-noi.v-cdn.net\/6031891\/uploads\/defaultavatar\/nFA7H6UNOO0N5.jpg","dateLastActive":"2023-05-03T10:54:07+00:00","banned":0,"punished":0,"private":false,"label":"Forumite<\/b><\/span>"},"displayOptions":{"showUserLabel":false,"showCompactUserInfo":true,"showDiscussionLink":true,"showPostLink":true,"showCategoryLink":false,"renderFullContent":false,"expandByDefault":false},"url":"https:\/\/forums.moneysavingexpert.com\/discussion\/6444050\/debt-card-used-at-6am-on-bus-not-by-us-bank-no-help","embedType":"quote","name":"Debt card used at 6am on bus, not by us, bank no help?","embedStyle":"rich_embed_card"}"> https://forums.moneysavingexpert.com/discussion/6444050/debt-card-used-at-6am-on-bus-not-by-us-bank-no-help

Could her card have somehow been cloned/skimmed at a previous occaision? Any funny looking things around the card slots of ATMs? Also maybe ask the bank if it's registered on any digital wallets (Apple Pay, Google pay etc.).

That would require a physical card with contactless facility. If all they are going to use it for is a bus trip, then they will have lost more than they gained.👍

ForumUser7

born_again said:

ForumUser7 said:

My wife had a transaction pop onto her phone last night. Her card had been used on a bus (tap on tap off) at 6am last Monday, the bank holiday.<\/p>

We were both in bed at that time and the card was in her bag.<\/p>

She called the bank and was told that as the token was the same as the card, it had to have been someone using that card. They wouldn't hear anything past that, saying that if we hadn't used it, then someone else in the house must have had access and used. There is no one else in the house.<\/p>

They have cancelled the card, but they're not going to look any further into it.<\/p>

Is there any point pushing this with them? It's not a lot of money, but I found their attitude very negative to say the least… <\/p>","bodyRaw":"[{\"type\":\"p\",\"children\":[{\"text\":\"My wife had a transaction pop onto her phone last night. Her card had been used on a bus (tap on tap off) at 6am last Monday, the bank holiday.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"We were both in bed at that time and the card was in her bag.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"She called the bank and was told that as the token was the same as the card, it had to have been someone using that card. They wouldn't hear anything past that, saying that if we hadn't used it, then someone else in the house must have had access and used. There is no one else in the house.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"They have cancelled the card, but they're not going to look any further into it.\"}]},{\"type\":\"p\",\"children\":[{\"text\":\"Is there any point pushing this with them? It's not a lot of money, but I found their attitude very negative to say the least… \"}]}]","format":"rich2","dateInserted":"2023-05-03T09:55:32+00:00","insertUser":{"userID":147028,"name":"Jon_01","title":"","url":"https:\/\/forums.moneysavingexpert.com\/profile\/Jon_01","photoUrl":"https:\/\/us-noi.v-cdn.net\/6031891\/uploads\/defaultavatar\/nFA7H6UNOO0N5.jpg","dateLastActive":"2023-05-03T10:54:07+00:00","banned":0,"punished":0,"private":false,"label":"Forumite<\/b><\/span>"},"displayOptions":{"showUserLabel":false,"showCompactUserInfo":true,"showDiscussionLink":true,"showPostLink":true,"showCategoryLink":false,"renderFullContent":false,"expandByDefault":false},"url":"https:\/\/forums.moneysavingexpert.com\/discussion\/6444050\/debt-card-used-at-6am-on-bus-not-by-us-bank-no-help","embedType":"quote","name":"Debt card used at 6am on bus, not by us, bank no help?","embedStyle":"rich_embed_card"}"> https://forums.moneysavingexpert.com/discussion/6444050/debt-card-used-at-6am-on-bus-not-by-us-bank-no-help

Could her card have somehow been cloned/skimmed at a previous occaision? Any funny looking things around the card slots of ATMs? Also maybe ask the bank if it's registered on any digital wallets (Apple Pay, Google pay etc.).

That would require a physical card with contactless facility. If all they are going to use it for is a bus trip, then they will have lost more than they gained.👍

Not sure what’s going on here - the old forum text editor seems to have reappeared for me.

Back to the topic, I did think if you were going to steal someone’s card or clone it or anything, a bus ticket seems an odd thing to use it for

redux

One of my credit cards was charged for a rail fare at a station about 50 miles away that I've never been to.

The credit card firm refunded the transaction without any quibble. I asked whether they'd suggest a replacement card with a new account number, and they said probably not necessary, let's see how it goes. No further occurrence.

eskbanker

Jon_01 said:

My wife had a transaction pop onto her phone last night. Her card had been used on a bus (tap on tap off) at 6am last Monday, the bank holiday.

We were both in bed at that time and the card was in her bag.

She called the bank and was told that as the token was the same as the card, it had to have been someone using that card. They wouldn't hear anything past that, saying that if we hadn't used it, then someone else in the house must have had access and used. There is no one else in the house.

They have cancelled the card, but they're not going to look any further into it.

Is there any point pushing this with them? It's not a lot of money, but I found their attitude very negative to say the least…

I can't explain what's happened, but can entirely understand bank scepticism at the notion of a contactless chip being cloned - despite speculation about the potential for this when it was introduced, I don't think there have ever been any credible examples of it actually happening, to the extent of being able to create a usable clone card....