Author Topic: Debit/Credit card fraud  (Read 16169 times)

Offline Mince

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Re: Debit/Credit card fraud
« Reply #60 on: May 14, 2008, 08:36:16 PM »
Yes, a medal of some sort.

How about an exquisitely carved piece of dung, shaped to resemble a cow pat?

Offline The Peepmaster

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Re: Debit/Credit card fraud
« Reply #61 on: May 14, 2008, 08:43:04 PM »
Why would I want something that resembled you?

No, I'd rather have bottle of Scotch or something.

Must go and watch the second half of the Football now.
Nostalgia is not what it used to be. 😟

Vulture

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Re: Debit/Credit card fraud
« Reply #62 on: May 21, 2008, 05:48:25 AM »
UPDATE:

Yesterday I received this months' bank statement - with ?100 in charges for letting my bank account get overdrawn!

That little notification arrived quicker than the 'form' they were sending me three weeks ago so I could apply for my money back; the money the bank allowed to be stolen from my account.

I phoned Customer Service and explained what had happened (you're right, Malc, there's going to be a lot of irate phone calls!) and while the guy was waffling about how it wasn't his department, I told him I didn't want him to do anything but tell me the address of the Ombudsman so I could get them to deal with this. With that, he said he would deal with it now, he'd take off the charges, make sure that if I got overdrawn anytime during the rest of the year, charges would be waived, and he'd chase up the missing form!

I'll take a little trip to the bank later today and see if this has been done!


He lied; I'm now down by a further ?100 AND I still haven't had a form!

Calypso

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Re: Debit/Credit card fraud
« Reply #63 on: May 21, 2008, 03:41:42 PM »
Vulture, I just wanted to tell you that I hope things get straightened out soon. It's awful when something like this happens.

Recently a friend of mine learned that someone had made copies of her checks and driver's license. The police believe a camera phone was used to snap pictures of a check she wrote at a grocery store and then to get a quick picture of her driver's license as she handed it to the clerk. The other possibility is that it's an inside job at the store. The criminal duplicated her checks and had a fake license made with someone else's photo on it.  Over $2000 worth of checks were written on her account. The FBI is now involved because her identity has been stolen and they believe it's a ring as the checks showed up in another state. She has had some lucky breaks in the case though. Unfortunately she still has to get a court-order signed by the judge in order to have her driver's license number changed.

I hope you will get some lucky breaks in your case.

peter

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Re: Debit/Credit card fraud
« Reply #64 on: May 21, 2008, 03:47:38 PM »
I'm sorry to hear this but I did say earlier what banks are like.

Offline Roger Kettle

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Re: Debit/Credit card fraud
« Reply #65 on: May 21, 2008, 06:07:58 PM »
Not the update we'd been hoping for, Vulch. Awful.

Offline The Peepmaster

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Re: Debit/Credit card fraud
« Reply #66 on: May 21, 2008, 06:25:10 PM »
I'm sorry to hear this but I did say earlier what banks are like.

Yes, why didn't you listen to Peter's advice once the horse had bolted?
Nostalgia is not what it used to be. 😟

Joan

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Re: Debit/Credit card fraud
« Reply #67 on: May 24, 2008, 05:24:29 AM »
Sorry to hear about this, Vulture.  Very frustrating and happening too frequently these days.  Sounds like it's time to start writing letters, or is the bank like our telco company here in Oz (one of Malc's "incompetent bastards", no doubt the same one as it's the main one) who don't have a physical mailing address either on their website or in the phone book?  I ended up getting one off the back of a bill, because I want to have something rather complicated done, and when I tried to explain to the Indian person on the telephone, she cut me off.  Email no good either - one of those form filling things, so have decided to write to them, so it's clear which line I want shut down and which I want to keep, basically.  Know if I do it over the phone (once past voice recognition thingy which doesn't understand my accent) they'll cut the wrong one off and we'll be without internet access - horrors!

We've had a couple of incidences of credit card fraud, both with Amex who dealt with it and refunded pretty quickly (so they should the amount they charge).  First was when other half was in Melbourne on business and took a taxi to the airport.  A month or so later, a charge appeared on the amex card for a taxi in Melbourne when he hadn't been near the place.  We had two or three more before they finally stopped.  Don't know whether they actually caught him/her or they thought that was enough.  Then had two charges for adult websites and when they traced it, it was coming out of somewhere in the US.  Not sure about that one, as a while later, also discovered a charge for a subscription to an adult website charged to my Visa card (bank not so quick to refund in those days without a thorough investigations and have to pay charges if found not to be fraud, so thought I'd better investigate).  Turned out to be 13 year old son - temptation too much and had "borrowed" my card details to sign up.    :-[

I hope it all gets sorted soon, Vulture.  They ought to refund the money immediately - not as if they couldn't afford it.  I've discovered too that loyalty to banks means very little these days.  Time was you walked into your branch, saw the manager and he sorted out your loan/account, whatever.  Now things have to be sent to Melbourne, Sydney, wherever, where they proceed to lose them and blame each other.  Still, it was probably a bit too personal in the "old" days - like the time the bank manager stopped my father in the street (of a small country town) and said in a loud voice, "Your daughter has overdrawn her account by 9 pounds!"  I was 20 at the time.

« Last Edit: May 24, 2008, 05:26:42 AM by Joan »

Vulture

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Re: Debit/Credit card fraud
« Reply #68 on: May 29, 2008, 02:27:33 PM »
Update:

Today I received the form. And it only took one email and four phone calls. There's a slight problem; the letter insists that I send the form back within seven days - the letter is dated 23rd May and it was received today, 29th -the reply is not going to make the deadline!

Oh, and the letter is addressed to Mr Vulch, NOT the name on my bank card, bank statements or cheques: have we reverted to the times when only the Master of the House had a bank account?  ???

Calypso

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Re: Debit/Credit card fraud
« Reply #69 on: August 31, 2008, 03:54:12 PM »
Vulture, you are not alone.

I would like to tell everyone that this same thing happened to me and in England. I discovered this only yesterday when checking my bank balance against the bank's automated service.  My bank statement was through August 12 and I checked the automated service on August 27. There was a huge discrepancy. I could account for only about $850 outstanding during that two week period.

While I was in England visiting Mince, I made three withdrawals from ATMs, each in a different city. The withdrawals were made from a well-known British bank that my bank in America told me to use so that I would not get any additional ATM fees. I was in England from July 29-August 15. My last withdrawal was in London on August 14.

When I phoned the automated service to hear account activity during August 13- August 27, I was horrified to hear numerous ATM withdrawals on August 16 and August 18. I called the bank's customer service yesterday and learned that all these withdrawals were done in England, specifically London. According to my bank's fraud department, the machine may have been "compromised." $1100 was put back in my account during the investigation which will take at least 45 days. I am now waiting for paperwork to arrive. Unfortunately, I think there is more that is missing from my account than that and I will have to continue with this process.

At least I have proof that I left England on August 15. I have my boarding pass stub and my baggage claim stub.

Thank you, England.

Vulture

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Re: Debit/Credit card fraud
« Reply #70 on: August 31, 2008, 04:18:32 PM »
How horrible! I hope your bank is a little bit quicker off the mark than mine!

Were you advised to change your bank card so the robbers can't keep taking more?



I like the idea that they have in Canadian banks. Their ATMs are in the lobby, which is under camera surveillance and presumably the ATMs are not compromised, where you can take money out in peace. When the bank is closed, you use your card to get into the locked front door and into the lobby.


Offline The Peepmaster

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Re: Debit/Credit card fraud
« Reply #71 on: August 31, 2008, 04:37:14 PM »
That's bad news, Calypso. I'm sure your bank will refund everything, but it's a hassle you could do without. I'm racking my brains, having donned my Sherlock Holmes deerstalker, to think who could perpetrate such a wicked deed on so may occasions.

Was there anyone else nearby that you can remember other than, er.. Mince?
Nostalgia is not what it used to be. 😟

Joan

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Re: Debit/Credit card fraud
« Reply #72 on: August 31, 2008, 04:40:02 PM »
That's awful, Calypso, I hope it's all sorted out soon.

Joan - off to check my account immediately!

Offline The Peepmaster

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Re: Debit/Credit card fraud
« Reply #73 on: August 31, 2008, 05:04:56 PM »
Think hard, Calypso. On your travels with Mince, did you ever have someone a bit odd standing next to you?
Nostalgia is not what it used to be. 😟

Calypso

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Re: Debit/Credit card fraud
« Reply #74 on: August 31, 2008, 05:12:12 PM »
Thanks everyone. It was indeed a shock coming on the heels of a nice trip and then learning when I got home that I had lost my job due to budget cuts. My mood has not been good for several days.



Vulture:  
Quote
Were you advised to change your bank card so the robbers can't keep taking more?



I like the idea that they have in Canadian banks. Their ATMs are in the lobby, which is under camera surveillance and presumably the ATMs are not compromised, where you can take money out in peace. When the bank is closed, you use your card to get into the locked front door and into the lobby.


Some of my bank's branch locations have ATMs inside their lobbies. Most, though, are branch location drive-thrus, but they still have security cameras there. Some others are located in shopping centers. I try not to use those unless there is a fabulous pair of shoes I can't live without.  

The bank terminated my card and then re-issued me a new one with a new account number.

Oddly, before my trip I remembered reading this thread about your experience. I mentioned it to Mince but we thought it was very unlikely to happen to me as it was just one of those unfortunate things that happen sometimes.



Peepmaster:  
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Was there anyone else nearby that you can remember other than, er.. Mince?

Mince was the only one around then, and he graciously looked away when I put in my PIN number. He did have to help me use the machine though. It's a little different from those in America. Should I be suspicious?  

Peepmaster: 
Quote
Think hard, Calypso. On your travels with Mince, did you ever have someone a bit odd standing next to you?

Only Mince. Wait!  He is a computer wiz and a math genius.  Other than arguing a little, we aren't speaking much now.   Hmmmmm.....I wonder.



Joan:  
Quote
Joan - off to check my account immediately!


Yes, check your accounts if you have been using ATMs. My bank told me that European ATMS are not as secure as the ones in America. I don't know about the ones in Australia. (I think you live in Australia.)  

By the way, I've enjoyed seeing the pictures of your trip. Keep posting them.

« Last Edit: August 31, 2008, 05:14:15 PM by Calypso »