Unidentified Credit Card Charges

wolfysmith

nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. 

Is Nationwide obliged by its terms and conditions to identify who/what is taking money from my account?   

born_again

wolfysmith said:

nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. 

Is Nationwide obliged by its terms and conditions to identify who/what is taking money from my account?   

All they can go by is what retailer lists.
Best bet as said a vending machine or storage for a item (mobile phone locker?), so could be in gym, nightclub or any other such place & maybe a few days or more earlier.

https://signup.nyxapp.net/EmhhAgi7


If you have your card, then odds on it's something you have bought.

DullGreyGuy

born_again said:

wolfysmith said:

nyx*independent wigan appears on my Nationwide VIsa credit card statment. The bank says it cannot identify the merchant via VISA. Its a card reader where there is no human intervention e.g. vending machine, toll booth etc. Nationwide have refunded the money. 

Is Nationwide obliged by its terms and conditions to identify who/what is taking money from my account?   

All they can go by is what retailer lists.
Best bet as said a vending machine or storage for a item (mobile phone locker?), so could be in gym, nightclub or any other such place & maybe a few days or more earlier.

https://signup.nyxapp.net/EmhhAgi7

If you have your card, then odds on it's something you have bought.

Thats for a nightclub in Sunderland I believe.

For a start, where were you on the date of the transaction or the day before? What were you up to? 

Your bank should give you what information they have which is generally not a great deal as all they get is brief info from the company's merchant bank.