Fraudulent withdrawal from account

chipmunk

My hubby went online to check his current account this morning and there was an entry for a debit card payment yesterday for nearly £500 that he did not make:eek:

Obviously some theiving basket has skimmed/cloned his card somewhere. He's contacted the bank and they have cancelled his debit card and are going to credit the money within the next 5 days but they advised him to keep an eye on his account as well. Is it possible that they have also managed to get an alternative way to access his account other than by his debit card?

jonesMUFCforever

If the payment was by debit card then the cloning/skimming of cards is the most probable route.
Had it been the internet they would have had full access to all account balances and probably tried to clear the lot!

ShelfStacker_3

jonesMUFCforever wrote: »

Had it been the internet they would have had full access to all account balances and probably tried to clear the lot!

Now that simply isn't true.

jonesMUFCforever

You know better then do you?

Have you ever experienced a friend or relative who had a keylogger infect their computer by clicking on an innocent e-mail?

Fedz

I've had a keylogger on my computer (which I put their) a planted one would do exactly the same and report the key strokes back to whoever it was programmed too.

It's deeply important you never use anyone elses computer to acceses your online banking and if you only use your own then make sure you have a good anti-virus installed

ShelfStacker_3

Oh, keylogger... sorry, I was thinking more of fraudsters purchasing things via the Internet. Pardon me, I retract my previous statement and apologise in full

James

The amount involved £500, would suggest it was either taken via an ATM or over the counter.

Q1. Do you know if it was a cash withdrawal?

If it was:

Q2. Do you know if the transaction was verified by a PIN

Very interesting article (Click Here).

745 people had money stolen from their debit and credit cards and yet not one bank or credit card company contacted Bedfordshire Police.

Mikeyorks

James wrote: »

The amount involved £500, would suggest it was either taken via an ATM or over the counter.
.

The

nearly £500

.... in the OP would suggest otherwise?

Mikeyorks

chipmunk wrote: »

Is it possible that they have also managed to get an alternative way to access his account other than by his debit card?

That's why the Bank have suggested you (and hopefully, they) keep a particular eye on the account. At this moment they possibly don't have the full detail for the DC transaction and are sensibly not excluding that someone has the full account data and could attempt a fraudulent DD / SO. But ... it's not usual. If they have the DC data it's much easier to use.

It's probably not cloned ... more likely a 'cardholder not present' transaction, from someone who 'only' has the card number.