Credit Card cloned!!!

mercedes

mercedes

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Placed a photographic order this week and the CC payment wouldn't go through. Eventually went to my bank and their fraud dept had stopped the card as it had been cloned when placing the order.
They had trips to the jewellers and petrol on the card, so hope they've had some short lived fun.
Big(gish) company too and I'd love to name and shame too once the bank fraud dept has investigated and the company concerned assure me they have serious measures in place to eliminate this type of fraud.
I hope they trace the individual who has done this soon as they damage the reputation of their employers too along their selfish way to mini riches.
Frustrating, infuriating and it loses massive amounts of trust in the very companies we all should be able to rely on. :bang:
 
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We had a personal fraud last week.

Money transferred out of account, Hotmail hacked and phone hacked and diverted to another number so that they could intercept any calls or texts from the bank.

When it was all sussed and stopped the fraud manager called my wifes phone in front of her. Needless to say my wifes phone didn't ring, but someone answered it using her name.

Very, very worrying..
 
If you don't mind me asking, how was the order placed, online or on the phone ?

Ask the company if they are PCI compliant, if there not they should be and if they are and this happened something is very wrong.

https://www.pcisecuritystandards.org/

http://en.wikipedia.org/wiki/Payment_Card_Industry_Data_Security_Standard

I just had to make my website and company 'pass' the standards as the deadline is approaching.

It was like jumping through hoops while being tripped up with red tape just so an organisation could charge me another yearly fee :LOL:
 
Online and CC payment queried over the phone.
 
Naughty.

I guess someone phoned you and asked you for your card number.
 
Mark Grant said:
If you don't mind me asking, how was the order placed, online or on the phone ?

Ask the company if they are PCI compliant, if there not they should be and if they are and this happened something is very wrong.

https://www.pcisecuritystandards.org/

http://en.wikipedia.org/wiki/Payment_Card_Industry_Data_Security_Standard

I just had to make my website and company 'pass' the standards as the deadline is approaching.

It was like jumping through hoops while being tripped up with red tape just so an organisation could charge me another yearly fee :LOL:
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The company doesn't have to be but the company handling the payment process online should.

Edit - actually depends.. Anyone holding card details should be pci compliant if I remember rightly
 
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My wife had her credit cards stolen six months back. I haven't reported it yet though. Because whoever stole them is spending less than she did.:LOL::LOL:
 
Ragwort said:
My wife had her credit cards stolen six months back. I haven't reported it yet though. Because whoever stole them is spending less than she did.:LOL::LOL:
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Lol

I had my CC cloned I suspect when I ordered a mobile phone on t interweb, luckily I check it online fairly regularly and got a shock when there was a £500ish transaction I knew nothing about, I cancelled the card and informed my bank as it's linked to them. A grand total once all the purchases were through was over £6000, I was having kittens but the bank and their fraud department didn't seem to give a damn really, like it was just the usual for them which I suppose it was.

I had them jumping through hoops though when I found out I suddenly now had a new address in London :shake: (I've lived in the same house in Scotland for nearly 20 years and have played golf quite a few times with my bank manager) which the crooks had managed to do with just one phonecall. Very worrying indeed.
 
I use online banking a lot. This way I can see very quickly if there is anything amiss. It took me long enough to get Lloyds to update my new address and must have taken 3 visits to a branch before they managed it. I suspect a fraudster would give up :)
 
srichards said:
I use online banking a lot. This way I can see very quickly if there is anything amiss. It took me long enough to get Lloyds to update my new address and must have taken 3 visits to a branch before they managed it. I suspect a fraudster would give up :)
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You'd think so eh, but guess which bank I'm with ;)
 
I had a sinking feeling you were going to say them as soon as I mentioned them!
 
Mine was cloned whilst I was working out in the Middle East...My wife asked me why I was buying £300 womens shoes....lol luckily she worked in the bank and got it all sorted ...The only place I used my card was in a very well know Hotel...not a cheap back street place...
 
Funny that this has been moved to OOF. Considering this was a photography based transaction, by a well known photographic company, it seemed to be in everyone's business interest to highlight it in the business section, not in the 'nothing to do with photography' section.
 
Don't like the sound of all this, I'm just off to check my statements!
 
I had my entire identity copied a few months back. Someone placed a substantial amount of catalogue orders at my previous address in my name with a delivery address elsewhere.

I was saved by £6.99 - what I pay each month to subscribe to Credit Expert.

It flagged everything up, I got an email, logged in and saw all the new accounts. A few phone calls later, Police arrived at the old address, couple of arrests made and eventually my credit cleared back to good.

These days, cc fraud, identify fraud, it is just so blooming prevalent it seems it is becoming an every day thing for the banks and fraud depts.
 
I remember, when I first opened my account I asked to see the manager but the girl asked why? I told her I had £500,000 to deposit and wanted to know about security. When the manager came to see me He said I didn't look like I had half a million pounds and asked where had it come from? I told him I was a gambler, took bets and said I bet you £10,000 you have square balls. Okay, he said, I'll take the bet. "Great", I said I'll come back tomorrow with my lawyer to confirm the bet and check that you have square balls. :)

Next day I arrived with my lawyer and said to the bank manager... "Okay, drop your trousers! He did and I said I'll have to feel them to be sure they really are square. He smiled and looked at me as if I was an idiot.

My lawyer started to bang his head against the wall as I grasped the bank managers balls and explained to the manager that I'd bet my lawyer £100,000 that I'd have the bank managers balls in my hand within 10 minutes of entering his office ;)
 
So you're that old lady Splog!! :LOL:

lol ʇsǝq ǝɥʇ ɹ sunplo
 
Jerm said:
We had a personal fraud last week.

Money transferred out of account, Hotmail hacked and phone hacked and diverted to another number so that they could intercept any calls or texts from the bank.

When it was all sussed and stopped the fraud manager called my wifes phone in front of her. Needless to say my wifes phone didn't ring, but someone answered it using her name.

Very, very worrying..
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Are you serious? That's terrifying. How could someone get so much information about you?

I had my Mastercard cloned after filling out a shipping form at FedEx earlier this year. I check my online banking a couple of times a week, and logged in to find a larger than expected outstanding balance on my card - I clicked through to see the transactions and was horrified to see a £300 charge made at Tesco, a shop that I wouldn't be caught dead in. No doubt a bunch of chavs buying Stella Artois and nappies. Thankfully it was very easy to sort out the problem with the bank, but it has made me a tad paranoid.
 
fracster said:
Latex gimp mask?
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Of course :D

VA23.jpg
 
MarkyP said:
I had my entire identity copied a few months back. Someone placed a substantial amount of catalogue orders at my previous address in my name with a delivery address elsewhere.

I was saved by £6.99 - what I pay each month to subscribe to Credit Expert.

It flagged everything up, I got an email, logged in and saw all the new accounts. A few phone calls later, Police arrived at the old address, couple of arrests made and eventually my credit cleared back to good.

These days, cc fraud, identify fraud, it is just so blooming prevalent it seems it is becoming an every day thing for the banks and fraud depts.
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Having dealt with them from an investigative side, banks are so slow and uncooperative with fraud investigations, it's untrue. Their systems for detecting fraud are generally very good, but they are incredibly poor at actually doing anything about it. They don't investigate the vast majority of fraud reports made to them.

Unfortunately, we see *so* much "volume" fraud that nobody can really cope - and to investigate it properly, the processes of obtaining necessary information are so slow (particularly Crown Court Production Orders, without which the banks won't deal with you at all) that by the time you've solved the case, the fraudster has long since moved on.
 
I'd have thought this one was easily solved as the bank named the photographic dealer transaction as the location for the clone. They're big, but not that big and many TP users will be familiar with them, hence I felt the need for this subject to be in the business section.
 
mercedes said:
I'd have thought this one was easily solved as the bank named the photographic dealer transaction as the location for the clone. They're big, but not that big and many TP users will be familiar with them, hence I felt the need for this subject to be in the business section.
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not many people look in the business section though, thats more for photographers running their own business. the thread would reach more people in OOF.
 
mercedes said:
I'd have thought this one was easily solved as the bank named the photographic dealer transaction as the location for the clone. They're big, but not that big and many TP users will be familiar with them, hence I felt the need for this subject to be in the business section.
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Its not the company that have done this, but 1 person at the company.

They should have better security to prevent this, but giving credit card details over the phone is not good and companies should avoid doing this IMO.

I had my credit card details stolen by someone in the Islington Business Design Centre. I know this as this is the only place I used my credit card not online and the details were written down. The second reason would be the tyres purchased from an Islington tyre company. I informed the bank that I was 99.9% sure it was a person at this company and how it happened, but they weren't interested.

I worked at IKEA many years ago and someone was double refunding customers, once to the customers card and once to their own credit card. It was not checked, customers money wasn't taken so they didn't raise any alarm, it was only when someone started checking the transactions they noticed. It took about 6 months iirc. It was just one person who happily typed refunds on to their card. It didn't take intelligence, the system meant were able to do it.
 
I hate ordering online but what else can you do these days? Everything is online, except topping up the car with fuel!!
 
mercedes said:
They're big, but not that big and many TP users will be familiar with them, hence I felt the need for this subject to be in the business section.
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To be fair, given the thread doesn't actually name anyone (unless I've missed it) it's no much use to anyone at the moment other than as a general pointer :shrug:
 
intel86 said:
I hate ordering online but what else can you do these days? Everything is online, except topping up the car with fuel!!
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Online is secure. Watch the real hussle and realise how easy it is for someone to get your credit card details on the high street or in a restaurant.

Paypal is even more secure as they don't give companies your credit card information. Only 1 company has your bank info. On the flip side, it is only 1 user ID and password to spend money, so use good passwords.

If a company stores your credit card info, there hasn't been much legislation on how it should be stored etc. but I believe this is changing.

If I a shop features paypal checkout, I am more likely to use that than use my bank details, especially if it is a shop I haven't used before.
 
Dale_d3100 said:
If a company stores your credit card info, there hasn't been much legislation on how it should be stored etc. but I believe this is changing.
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ive always been told they need to be PCI compliant/registered to hold those details, its one reason why we didnt bother as our ecommerce platform guys are PCI and they hold the details not us. we can only see the last 4 digits of the card number in our back end.
 
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Name and shame please (y) Last thing i need right now is extreme paranoia if im out buying something in a camera shop
 
Had my card scammed twice in a few years and I'm still dealing with the fallout from the last one earlier this year.

I'm currently fending off advances from debt collection agencies because some wag decided it would be fun to take out a payday loan using my name. They seem to think an unsigned 'loan agreement' filled out online (with sparse and incorrect details) constitutes proof that I'm liable. I sort one lot out but rather than accept the loss they sell the debt on to another agency and the cycle of letters starts again.
 
Coley. said:
Name and shame please (y) Last thing i need right now is extreme paranoia if im out buying something in a camera shop
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I'd love to, but it's a little unfair to the business if, as it seems, it's a rogue employee.
It is mainly an online business and I still find it strange that this isn't in the business section, where everyone who actually buys photographic gear for their part/full time business online could be pre-warned.
 
mercedes said:
I'd love to, but it's a little unfair to the business if, as it seems, it's a rogue employee.
It is mainly an online business and I still find it strange that this isn't in the business section, where everyone who actually buys photographic gear for their part/full time business online could be pre-warned.
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Good, it is likely to be the employee not the company.

Are you 100% sure it is that company, you have not made any other transactions with that card in the last 3 months? (or that your computer if it was online [seeing a you state it is mainly online] doesn't have a keylogger installed?) (some scammers apparently wait a while after the initial clone, makes it difficult to trace similarities in MO, in fact I understand that some even swap numbers with others to reduce traceability)
 
This transaction was finally done over the phone after our online CC order was queried due to CC lack of funds. It was our bank that pinpointed this company as the point of fraud and from which area the spending spree happened.
Spoke to the manager of the company who appreciated our continuing business and is now monitoring transactions at his end.
 
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