Unusual £800+ Debit Transaction – Fraud, Impulse Spending, or System Error?

born_again

visidigi said:

born_again said:

visidigi said:

Does this sound like a skimming and pin videoing type scam to anyone else? It might explain the delay/conflict in the event happening. Somewhere its used, skimmed and video of the pin captured.....then re-imaged and rerun, to the powers that be it would look like a genuine pin and chip transaction no?

No because they would need to produce a card with a chip in (never see any in all my time) Systems show when a chip is read. Which is how counterfeit cards are picked up.


 The retailer is the same business as the initial post on this chain refers to

Which was questioned as to was it correct. So please confirm who it is.

If a company goes bust, then any terminal's go back to supplier. They are supposed to be wiped clear of details, but has been know for them not to & transactions show under old details, although it is a genuine transaction to another retailer.

Does the system differentiate between card chip read and swiped transaction?

Yes.
It  can tell between, swipe, chip no pin, chip read (PIN) & card not present.

CindyCindy443

visidigi said:

born_again said:

visidigi said:

Does this sound like a skimming and pin videoing type scam to anyone else? It might explain the delay/conflict in the event happening. Somewhere its used, skimmed and video of the pin captured.....then re-imaged and rerun, to the powers that be it would look like a genuine pin and chip transaction no?

No because they would need to produce a card with a chip in (never see any in all my time) Systems show when a chip is read. Which is how counterfeit cards are picked up.


 The retailer is the same business as the initial post on this chain refers to

Which was questioned as to was it correct. So please confirm who it is.

If a company goes bust, then any terminal's go back to supplier. They are supposed to be wiped clear of details, but has been know for them not to & transactions show under old details, although it is a genuine transaction to another retailer.

Does the system differentiate between card chip read and swiped transaction?

The bank has said the pin was used, so we’re trying to get more clarity from them on that. 

Dad’s never shared his pin with anyone …not even me!

CindyCindy443

born_again said:

visidigi said:

Does this sound like a skimming and pin videoing type scam to anyone else? It might explain the delay/conflict in the event happening. Somewhere its used, skimmed and video of the pin captured.....then re-imaged and rerun, to the powers that be it would look like a genuine pin and chip transaction no?

No because they would need to produce a card with a chip in (never see any in all my time) Systems show when a chip is read. Which is how counterfeit cards are picked up.


 The retailer is the same business as the initial post on this chain refers to

Which was questioned as to was it correct. So please confirm who it is.

If a company goes bust, then any terminal's go back to supplier. They are supposed to be wiped clear of details, but has been know for them not to & transactions show under old details, although it is a genuine transaction to another retailer.

born_again said:

visidigi said:

Does this sound like a skimming and pin videoing type scam to anyone else? It might explain the delay/conflict in the event happening. Somewhere its used, skimmed and video of the pin captured.....then re-imaged and rerun, to the powers that be it would look like a genuine pin and chip transaction no?

No because they would need to produce a card with a chip in (never see any in all my time) Systems show when a chip is read. Which is how counterfeit cards are picked up.


 The retailer is the same business as the initial post on this chain refers to

Which was questioned as to was it correct. So please confirm who it is.

If a company goes bust, then any terminal's go back to supplier. They are supposed to be wiped clear of details, but has been know for them not to & transactions show under old details, although it is a genuine transaction to another retailer.

Thanks for the info. So am I correct in thinking that circumstance Dad would still have purchased something for the same sum of money? It just would have appeared purchased from another company on his statement? 

If so, we still can’t solve it as he didn’t make a purchase for that amount or anything similar around the time. 

born_again

CindyCindy443 said:

visidigi said:

born_again said:

visidigi said:

Does this sound like a skimming and pin videoing type scam to anyone else? It might explain the delay/conflict in the event happening. Somewhere its used, skimmed and video of the pin captured.....then re-imaged and rerun, to the powers that be it would look like a genuine pin and chip transaction no?

No because they would need to produce a card with a chip in (never see any in all my time) Systems show when a chip is read. Which is how counterfeit cards are picked up.


 The retailer is the same business as the initial post on this chain refers to

Which was questioned as to was it correct. So please confirm who it is.

If a company goes bust, then any terminal's go back to supplier. They are supposed to be wiped clear of details, but has been know for them not to & transactions show under old details, although it is a genuine transaction to another retailer.

Does the system differentiate between card chip read and swiped transaction?

The bank has said the pin was used, so we’re trying to get more clarity from them on that. 

Dad’s never shared his pin with anyone …not even me!

If bank are saying PIN was used that is pretty much all they can tell you on how it was made.
Only other info would be retailer name (Who?) & which  type of retailer they say they are Catsic code.

kah22

Sorry for not getting back to. There was a complete mix up. The amount was for gardening gear but instead it was for another firm with the same name and business were in the same town. It took a while to sort it out. Everyone was happy at the end of the day

kah22

Yes it was sorted - eventually.  It seemed all boiled down to down to two business in the same small town having identical names and one having went bust

On my friends behalf there some very personal things going on at that time and that was a major part of the problem

All is well that ends well