Is this a Scam on a bank account?

Shylock_249

You're gonna kick yourself  if you don't call your bank ASAP, especially if another fallacious transactions turns up on your account before you notify them.  I shouldn't think they would be very happy if you fessed up that you knew about it x number of days ago and chose to do nothing.

Doesn't the small print on some credit/debit cards say you are liable for any transactions up to the time you report the loss.  Agreed you haven't lost your card but they might apply the same rules, or bend them to their advantage.

born_again

Shylock_249 said:

You're gonna kick yourself  if you don't call your bank ASAP, especially if another fallacious transactions turns up on your account before you notify them.  I shouldn't think they would be very happy if you fessed up that you knew about it x number of days ago and chose to do nothing.

Doesn't the small print on some credit/debit cards say you are liable for any transactions up to the time you report the loss.  Agreed you haven't lost your card but they might apply the same rules, or bend them to their advantage.

FOS would not be happy.

In effect as far as FCA goes anything up to 13 months would be refunded. After that, tough it is customers loss. Although quite why people wait when they know about them is a mystery...

Gaffer_2

@HaroldWhistler Hello, I have had the exact same experience.  Last Thursday I noticed a transaction for that same day with the exact same details as you.  I contacted my bank and it was immediately cancelled and my debit card linked to the account cancelled.

It's been a huge pain since, having to not be able to use it, receive a new card and set it up again on my phone wallet and Amazon, smart watch, etc.  But things could be worse I guess.

I checked again today and another transaction came out on the Friday with a similar reference and then also an international transaction fee from the bank.  I can only assume this second transaction was made using the old card details.  The bank seem to be unable to reverse this now even though I notified them the day before and a 'specialist' team appear to be looking into it and will get back to me.

The funny thing is, I also am very protective of my card details and would not enter them into anything dodgy (who would!?).  I imagine it is nothing to do with the organisation referenced, and it is a third-party doing this to lots of people hoping most would not notice small transactions coming out of their accounts.

The REALLY annoying thing is, I cannot remember the last time I was EVER able make a payment online without having to authenticate on my phone app - even for trivial amounts smaller than this and even for repeat orders with some websites or shops.  So, HOW on Earth is the bank allowing these transactions to happen in the first place?  I wonder if we have the same bank!

born_again

Gaffer_2 said:

@HaroldWhistler Hello, I have had the exact same experience.  Last Thursday I noticed a transaction for that same day with the exact same details as you.  I contacted my bank and it was immediately cancelled and my debit card linked to the account cancelled.

It's been a huge pain since, having to not be able to use it, receive a new card and set it up again on my phone wallet and Amazon, smart watch, etc.  But things could be worse I guess.

I checked again today and another transaction came out on the Friday with a similar reference and then also an international transaction fee from the bank.  I can only assume this second transaction was made using the old card details.  The bank seem to be unable to reverse this now even though I notified them the day before and a 'specialist' team appear to be looking into it and will get back to me.

The funny thing is, I also am very protective of my card details and would not enter them into anything dodgy (who would!?).  I imagine it is nothing to do with the organisation referenced, and it is a third-party doing this to lots of people hoping most would not notice small transactions coming out of their accounts.

The REALLY annoying thing is, I cannot remember the last time I was EVER able make a payment online without having to authenticate on my phone app - even for trivial amounts smaller than this and even for repeat orders with some websites or shops.  So, HOW on Earth is the bank allowing these transactions to happen in the first place?  I wonder if we have the same bank!

Remember the British Airways compromise years ago? Was that a dodgy site?

Every time you use your card, retailer, be that online or a instore purchase has full card number on their receipts.