Virgin/MBNA - Fraudulent activity

timelord_4

I have just been informed that my Virgin/MBNA Credit Card has had suspicious activity/transactions today. This message came to my mobile phone by text. Thinking it was a hoax, I checked my account online to find it was true, there are unposted transactions on it that have had nothing to do with me. The card has been cut up several months ago and has not been used for absolutely ages.

I phone the number on the website (just in case) and they tell me I have to ring the Fraud department on Monday morning! What about now? Apparently they've put a block on the card and thats it. They've not exactly been comforting about whats happened or why etc. What happens now? What about the transaction that is already on there? (they said there have been several more attempts they have stopped).

Seems absolutely incredible that I have to ring on Monday morning while I am worried senseless.

Nobody else has ever had details of the card or used it. I have never placed any order with the alleged betting company etc.

Can anyone help at all?

jamalfatty

I wouldnt worry about it, they've already identified it as possible fraud hence the account being blocked so you wont be liable

amcluesent

The Fraud dept. will talk you through the recent transactions and ask you to confirm which are fraudulent. Then they'll send you a letter to sign confirming this. Chances are you won't be held liable for this cardholder-not-present fraud. The details from your card could have been taken months ago from a web-site or anywhere which took your 3 digit security #.

You'll also get a new card/PIN, although if you'd cut your card up months ago, it might have been wiser to close the account.

NB It's usually the merchant who accepted the card who will lose out, the CC issuer will do a 'chargeback' on the merchant who will then have to argue that they took all reasonable steps to verify the card. This is hard to prove!

terafarma

What are you "worried senseless" about? Simply wait till Monday as advised as the whole thing, that is putting a block on your account is both for you and the card company's benefit.

If you haven't made the purchase or used the card, then you have nothing to worry yourself about. I should exepect MBNA to re-imburse you for any fraudulent use of your card and account. End of story, no worries.

bobcurran

MBNA fraudulently allowed my card to be altered. Place of Birth and Mothers Maiden name were changed. I got money back but am pressing for stress reparation. They changed unalterable details because the caller knew D.O.B and how much paid each month. Surely on their DBase???

timelord_4

After months and months its sorted. When I first phoned up they apparently "forgot" to block the card. They then had the gaul to tell me that I had to pay, they didnt see why they should be out of pocket (quote). Sorted now, not had to pay anything but its taken the past 6 months to get the interest charge back on the fraud payments. Worried senseless? I should say i was probably right.