Credit Card Fraud

Matafleur

JadedAngel88 said:

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.

That is helpful, thank you! I wonder if you're able to do that the first time or only once you've received a pin. 

DullGreyGuy

Matafleur said:

JadedAngel88 said:

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.

That is helpful, thank you! I wonder if you're able to do that the first time or only once you've received a pin. 

Cant say with Cap1 but with all my other banking apps it can be done straight away. With some you can even add the card to ApplePay almost instantly but clearly they've used a physical card for doing cash withdraws.

What security you need to go through to first log into the app varies significantly though! Some are fairly complex with needing to hold up your passport on video whilst saying the random number that appears on screen. Others you need the card details and the registered mobile number.

Gerry1

There have been several data breaches recently so your personal info may be available on the dark web.

elasto

Matafleur said:

JadedAngel88 said:

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.

That is helpful, thank you! I wonder if you're able to do that the first time or only once you've received a pin. 

I mentioned this earlier in the thread.

But I'd also point out that it doesn't change the fact that they still had to intercept the postman twice - else you'd have come home from holiday to find the PIN letter on your floor and smell a rat straightaway.

born_again

Problem with Action Fraud is they do not do anything. They are noting more than just a fudge on the local crime reporting figures.
This needs to be reported to local police & they need to look at CCTV in the area of the transactions (if still there) Which I will lay money on are either in the OP's area, or the area of the person known to the Op who has done this.

JadedAngel88

Matafleur said:

JadedAngel88 said:

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.

That is helpful, thank you! I wonder if you're able to do that the first time or only once you've received a pin. 

You can view it as soon as the card is activated, which can be done in the app.

Placitasgirl

Have the banks where the cashpoint withdrawals took place been asked to review the cameras fitted at the ATM's? 

I worked for one of the biggest UK banks and shared an office with their Cashpoint Concerns team. It was staggering how many of the cases it was investigating involved people that were known to the complainant, and how many of those had been given the PIN to the card at some point. Sadly it meant the team having to ask the named holder of the card if they knew the person they were watching use their card and PIN in the photographs/footage and having to admit they did and had on some occasions shared the PIN with them. 

Sadly I think that's a far more likely scenario in this case than people hanging around waiting for the postman and having some route to finding out the OP's bank details. 

Jasonh2015

Not sure if someone has suggested it, but do a Subject Access Request. My dad had a similar problem with NewDay. he'd never use them, he's really old and they claimed he had spent £10,000 in 3 months. 

I work in financial services, explained I knew how the system works. logged the complaint, the subject access request, and all of a sudden they decided it was fraud, and my dad wasn't at fault. Still logged it with the FOS due their incompetence, so they'll get a £750 charge for not sending a final response letter. 

if you didn't spend the money, do not pay them. if they wont supply the information a court will make them.

grumbler

Placitasgirl said:

Sadly I think that's a far more likely scenario in this case than people hanging around waiting for the postman and having some route to finding out the OP's bank details. 

With modern inspection cameras thieves can steal various things through door letter slots. Letters are the easiest thing to steal if they know that homeowners are away.

Matafleur

Placitasgirl said:

Have the banks where the cashpoint withdrawals took place been asked to review the cameras fitted at the ATM's? 

I worked for one of the biggest UK banks and shared an office with their Cashpoint Concerns team. It was staggering how many of the cases it was investigating involved people that were known to the complainant, and how many of those had been given the PIN to the card at some point. Sadly it meant the team having to ask the named holder of the card if they knew the person they were watching use their card and PIN in the photographs/footage and having to admit they did and had on some occasions shared the PIN with them. 

Sadly I think that's a far more likely scenario in this case than people hanging around waiting for the postman and having some route to finding out the OP's bank details. 

Quite possibly, except I've never had either the card or the pin to give to anyone because I didn't apply for it.

I've found one person in my cul de sac with a camera but it only covers his drive, not the road.

I did call 101 to report it but spent 90 mins on hold before giving up. Everything online said it needed to go through Action Fraud. 

I can't force the cc company to investigate cctv etc and I'm not sure where the balance is between saying not my card, not my problem, and pushing for more info so that I might be able to find out what happened.

Part of me feels it would be better done through court where all my credit history, financial status, career etc would indicate I have no reason to take out additional credit and risk everything by trying not to pay it. But that will be expensive and stressful too of course.