Card cloned damnit - solved

[pxl8]

Grrr

Just found that my debit card has been cloned after spotting a transaction I didn't recognise when checking my statement. It was instore restaurant a few miles away that I've never eaten in. Bank says the trans. (chip & pin) happened on Sunday when I was at home and the store was closed. All sounds very dodgy :(

I now have to go round the houses updating all my accounts with the new card details when it arrives.

[Borats Baby]

I'm hearing of this all to often unfortunately recently.

Hope your not out of pocket this time !

[Kerioak]

Happened to me a few months ago - the CC company picked it up. So much for the credit cards being secure!! I want to go back to a cheque book but few places will accept them these days.

[pxl8]

It's worrying that the transaction was chip and pin, so much for helping to prevent fraud - now it looks like I'll have to prove where I was on Sunday when I dispute the charge :(

[TorqueRevs]

I didnt get card cloned as such but i had my Ebay and paypal account jacked...noticed £300 short in my bank account and it was paypal...got home and some creep had bought a Playstaion 3 with my money..

contacted the guy who sold it and the guy came and picked it up from his home..


give paypal credit, they refunded me

[Just Dave]

How could the card have been use when the store was closed very strange

[pxl8]

Indeed. The bank are going to pull the records to check the exact date & time but it will take a week to do that, until then I can't dispute it - only cancel the card.

[Just Dave]

ah yes does the store have ATM and the Place is just called Instore Restaurant, or is it a store with a restaurant inside it, that may explain the out of hours bit (being closed) :shrug:

[photon]

I had my CC used over t'internet at a gambling site over a May bank holiday weekend. The Bank spotted it and phoned early on the Tuesday to arrange a replacement, which was ALSO defrauded before it had a chance to arrive! A combo of carldholder not present and someone on the inside, methinks.

[Venomator]

Bad news for you Pxl8 ... :shrug: ... hope you have a fair set of bankers ... ;) ... do the fuzz have any idea how yours got cloned ... :suspect:








:p

[badgerbaiter]

once you've reported it to the police and got a crime number the bank will give you all your money back

[Steep]

Happened to me a few months back, the bank refunded my money without a question though it took a couple of weeks.

[MG TF 135]

Quite a lot of stores will send transactions to a central server and then send them to the bank overnight. Only the huge stores have a direct data link to the banks and complete transactions there and then. So thats more than likely why it shows as when the store is closed. But as you say, the bank can pull the information of exactly when that transaction took place. Good luck.

For the record chip and pin is not as safe as signing IMO. It may take a crook a couple of days to perfect a 'scrawl' but they only have to remember a pin number and jot it down. I ALWAYS cover the key pad when ever i enter my number.

[Jelster]

For the record chip and pin is not as safe as signing IMO. It may take a crook a couple of days to perfect a 'scrawl' but they only have to remember a pin number and jot it down. I ALWAYS cover the key pad when ever i enter my number.


But how many people actually ever checked your signature against the one on the card ??? 5% maybe, if you're lucky....

Steve

[andrewc]

All chip and pin does is protect the bank and to some extent the retailer who no longer has to check your signature. If the code matches its OK. If it doesn't its not...

Unfortunatly a lot of wireless card terminals used in restaurants used a pretty insecure type of wireless protection.

[pxl8]

A bit more info. The shop is a one off, not a chain. It's a "general" store that has a restaurant upstairs. The entry on my statement specifies the restaurant rather than the store itself. I doubt the transaction went through on the Sunday, if it did then I guess that implicates the store or an employee in some way?

I won't know for a week what the actual date/time of the transaction was and I can't dispute the charge until that information has arrived. I've not been in the place for months and I don't recall ever buying anything with my card. Further checks on my account show a further £150 or so has been "earmarked" on the debit card but it will take 4 days before the bank will know what the transactions are.

It's a bit of a puzzle because the transaction was chip & pin meaning someone was there with a card and a pin number. Another possibility is a transaction from last year some time that for some reason has only just been banked, in which case I'll get a refund as it's more then 6 months ago and I've cancelled my card for nothing :bang:

[chameleon]

Never let the card out of your sight in a restaurant or someplace that uses those handheld card readers, its the work of seconds to skim the card or copy the security number on the back. In my job on the railway, we still use signitures on train cos our machines aren't set up for chip n pin (no live link) If i wanted i could have a quick look at the security number, plus i would have a copy of their signiture along with their complete card number. good job im bloody honest! Also the number of people i meet who haven't even signed their cards cos they use CnP all the time is unbelievable!

[pxl8]

I decided to phone the store and explained about this mystery transaction to see if they could shed any light, the could indeed.

They had taken the chip&pin machine from the store and put it in a petrol station 9 miles away last weekend but didn't think to change the details. Mine is not the first phone call they've had about this and probably not the last.

Of course it's good to know my card hadn't been cloned but equally it's annoying that I had to cancel it in the first place.

[matty]

wow thats poor! We have a CC machine here at work, and the statements that come in dont have all the details of the transactions, just a running total, you have to ask for a breakdown..which is nuts.

[nilagin]

My workmate's son has had his card cloned twice within about two years. Both times it was used to buy stuff totalling in the region of £3,000.
I never hand my card over. If I'm in a restaraunt I always take cash and never use my card.