Credit Card Fraud

MrFrugalFever

Have you paid any tradesman or people for any services recently? Have you sent any cheques? Downloaded any new apps on your phone/iPad? Had any unusual phone calls, requiring unusual amount of personal information?

If you are adamant that you have not opened this CC account then you should report it to the police as well as pursue the issue through Capital One’s fraud channels.

You say you were abroad, if transactions have taken place whilst you were abroad then I guess that is something fairly easy to prove as evidence that it wasn’t you.

CCTV is generally on recorded and held for 30 days so if a supermarket or shop has any recording of the fraudster then hopefully the police act quickly as to not miss the recording cut-off.

Either someone has been working on this for a while to be able to gain access to your account or it’s someone who knows you pretty intimately. As you’ve had no emails, perhaps an alternative ‘burner’ email has been used by the fraudster…if capital one can’t confirm your personal email then that would ring alarm bells. AFAIA it’s compulsory to input an email address and will be required (from time to time) for various marketing, reminders and 2FA.

Good luck on getting this resolved, keep us updated.

th081

It seems that police involvement is needed in this case ASAP becuase it more than your normal run of the mill credit card fraud and unfortunately will turn out to be someone close.

lr1277

I ask as a curious observer as I don't have any experience in this particular type of fraud.

Is there any mileage in asking Cap1 the mobile number associated with the account? If it isn't the OP's number then should the OP ask that the contact number be changed to her own mobile number.
I ask this, incase the card is cancelled so the fraudster calls up to have the cancellation revoked. Then they MIGHT and only might not know the OP's number. But it is also possible if they have all the details of the OP, they would also have the OP's mobile number.

If the mobile number on the account does belong to the OP, then that generates a further raft of unpleasant possibilities.

Edited to add: Would asking Cap1 to change the number to her own, mean Cap1 think she is acknowledging the debt?

DullGreyGuy

th081 said:

It seems that police involvement is needed in this case ASAP becuase it more than your normal run of the mill credit card fraud and unfortunately will turn out to be someone close.

If you try to report it to the police the policy will say to use Action Fraud. The OP has already reported it to Action Fraud who have taken their normal stance that because a FS company is involved Cap1 should investigate it and they'll refer it directly to the police's financial crime if appropriate.

km1500

my view, and it's only my view, is that since you did not authorize a setting up of the direct debit you can require your bank to refund the full amount under the direct debit guarantee

if they do do this then that means you end up 'owing' the credit card company the money but again since you did not take the card out then you will not owe the money.

this approach whilst it will get you your 3K back may well end up with a marker on your credit file which will obviously be removed if all this gets resolved but the danger is if it is found that you took the card out then the marker will stay there

DullGreyGuy

km1500 said:

my view, and it's only my view, is that since you did not authorize a setting up of the direct debit you can require your bank to refund the full amount under the direct debit guarantee

Opening post says the DD has already been refunded and cancelled  @km1500

The issue the opening post says is that Cap1 have investigated the OPs claim that they didn't open the account,didnt receive the card and didn't make the transactions and said they dont believe them.

sourcrates

In cases such as this, its usually the most simple explanation that tends to bear fruit.

You say your son visits from time to time, are you certain he`s not been "experimenting" with your details, to see how much pocket money he could make ?

Would be more plausible than an organised gang of fraudsters gaining access to your property and personal details.

Aside from that, your position would be that this account was opened as a result of fraud, and that would be the story you would stick too, should the creditor not agree with this, they would have the option to take you to court, and let a judge decide who was right and who was wrong, based on the evidence presented.

Matafleur

Thanks everyone. I actually spoke to Action Fraud on the phone today and gave them further details from when I initially reported it (when I assumed it was all sorted). They told me I could use the reference number they gave me as a crime number so I've now passed that on to Capital One.

None of my neighbours have cameras covering the area by my house. I am keeping an eye out for the postie to ask if anything unusual has happened the last few months with my post.

But I am accepting that I may never know how it happened, which drives me mad! But if I can manage to get the cc to accept it was fraudulent then I'll have to be happy with that.

Absolutely no way it was my son. He is only just 11, never goes anywhere without an adult and certainly isn't up to advanced cc fraud! He was also abroad with me when the card was believed to be delivered. All evidence also points to the fact that he'd have no idea what my date of birth was 🙄.

So now just waiting on cc company to complete this second investigation and then on to the Ombudsman if that is not successful.

There is nothing more I feel like I can do for now but this is extremely stressful and I wouldn't wish it on anyone. The fact that someone has done this and I'll likely never know who or how is distressing.

Grumpyoldmoo

Just a thought, & a not nice one at that, could it be someone involved in the bank switching process? They would have access to your d.o.b etc & then be able to request a cc in your name.

JadedAngel88

Just something that may or may not be helpful.

I have a capital one credit card and the pin can be view in the capital one app. I just checked to make sure so if they got the card they could have got the pin via the app.