credit card fraud?

Wooliferkins

There are myriad ways the scum scammers can get our card details, there are websites selling card details to criminals, keystroke logging softwarecashpoint card readers etc. There are more bored hackers across the western world than you can shake a stick at. It depends how secure a company sets its automated payment system. The original company we used cost us a fortune. Don't forget if a fraudulent payment is logged against a transaction the company has to pay that back. Now if a card fraudster has done a try transaction the retailer loses goods and payment and depending on the payment provider the value of that call back is kept from his account as insurance. We changed payment site so we could check more details than most banks do. It loses us the odd customer but better than scam transactions robbing you and us. We have set things up so no one here can get access to a customers card details not even the directors it's why we don't do phone orders. In many transactions if a fraudster has your card number, address and PIN it's all he needs.

Marko1962

I have also been stung on the same day that I shopped with Wiggle using PayPal, they got me for a Vodaphone £30 top-up, nothing major but a hassle non the less.....

So if this was the transaction that led to the fraud who is at fault, some thieving scumbag from Wiggle or his devious cousin at paypal?

pianoman

I got the money straight back in my account the next day, O2 didn't say the name of the person who phoned them obviously.

The company who, for now, are on my blacklist, DO take phone orders. So don't worry Wooliferkins, you guys are totally innocent. Happy now?

FatLarry

I just got done again on my MBNA card. After getting done earlier in the year, the replacement card has only ever been used for Paypal transactions. I don't even have the card - I set it up on Paypal and then snipped it into pieces. No paper statements either. So I'm about to become an ex Paypal user.

Having been "done" a few times, there is something I'm curious about. Each time the fraudster has used the card to buy airline tickets. I know a few other people who've been done too, and there cards have also been used to buy airline tickets.

WHY?!?!?!?

On each occasion, it's been used to buy a mobile phone top up first - I understand they're "testing" the card. But I don't get why they'd invest the best part of a grand in some Monarch airline tickets...

EdZed

A possible answer...

Monarch has many flights to southern Spain, a destination favoured by many British criminals!!! I imagine it goes something like... why pay for a flight when you can get someone else to pay for you?

keyser_soze

I haven't had any problems with either the place rhyming with giggle and I paid both times with paypal - also no problmes in general. However after seeing this, I will be moniitoring much more closely all the activity on my cards/accounts! Thanks to all the posters so far for the help/info - keep up the posting so people see this thread!

skylark

FatLarry wrote:

I just got done again on my MBNA card. After getting done earlier in the year, the replacement card has only ever been used for Paypal transactions. I don't even have the card - I set it up on Paypal and then snipped it into pieces. No paper statements either. So I'm about to become an ex Paypal user.

Having been "done" a few times, there is something I'm curious about. Each time the fraudster has used the card to buy airline tickets. I know a few other people who've been done too, and there cards have also been used to buy airline tickets.

WHY?!?!?!?

On each occasion, it's been used to buy a mobile phone top up first - I understand they're "testing" the card. But I don't get why they'd invest the best part of a grand in some Monarch airline tickets...

I find your story curious in regard to your PayPal payments being compromised. If your PayPal payments were compromised it means your PayPal account was compromised. Could you elaborate on your problem perhaps?

PayPal do not share users' payment details. When you make ecommerce payments at stores, only funds pass through PayPal. Actual users' details do not go to the etailer.

don key

I need a bit of help here, my friend has loaded both his credit cards near enough to the limit, he is buying something to the value of £3665 and I have insisted that he not just plough in with a cash transfer or to pay off the cc debts as they may cut off his credit while emptying his bank account. How can he get the same cover as the section 74 0f the 1975 act without using a credit card. The money is there, that is not the problem. We also know people who have used the company without any problem. All help hereby heeded.

FatLarry

skylark

I guess what I'm saying is that when MBNA sent me the card I never used it "physically". I entered the details onto Paypal and then shredded it. I don't get paper statements, so there's no chance of mail interception.

So - for someone to get the card details they've either gained acces to my Paypal account or intercepted the card details prior to it being sent to me

unless you can think of anything else...?

pedlad

I work for an online retailer (not in cycling) and the credit card companies insist we meet the industry standard Payment Card Industry Data Security Standards (PCI DSS). These are pretty stringent and expensive to implement but mean that ALL credit card data is encrypted and not viewable to internal staff let alone the protection required to prevent external access.

Do any of these suspect retailers have this accreditation and if not why are they not being pressured by the CC companies to get compliant?

andylav

Pianoman wrote

Mine was a case where O2 had taken £30 out of my account for phone credit - I use a CONTRACT

BINGO ! Having always been a cautious online buyer - switching to Paypal payments for purchases from a few of the retailers already mentioned when these stories started to become more commonplace (despite having concerns about Paypal as well and being massively underwhelmed by their so called protection policies when an ebay purchase went bad) - I've just been done in the same manner as Pianoman after a one off online purchase using a new card from the "largest quality cycle retailer" in the UK.

Spotted a discrepancy between my online balance and transaction history the same day as the original purchase was complete (the only transaction that I had completed with the card) but it took a few days to show up as an 02 prepay top up purchase (last two days were bank holidays here so couldn't contact bank to stop transaction).

Card now stopped and forms filled in for refund but likely to take 2 weeks at best - all for a small part that I needed urgently that my LBS didn't have in stock.

GyatsoLa

I got a call on Monday from my credit card company (MBNA) to say that they are cancelling my card and replacing it because 'an online company you use has reported that their security was compromised so we are replacing all cards as a precaution'. The rep who called me told me he wasn't allowed to say which company it was.

I only use the card for bike stuff online - I regularly use giggle, blamereaction, and one or two other bike shops.

Anyone else experienced this?

wahlummie

andylav wrote:

Pianoman wrote

Mine was a case where O2 had taken £30 out of my account for phone credit - I use a CONTRACT

BINGO ! Having always been a cautious online buyer - switching to Paypal payments for purchases from a few of the retailers already mentioned when these stories started to become more commonplace (despite having concerns about Paypal as well and being massively underwhelmed by their so called protection policies when an ebay purchase went bad) - I've just been done in the same manner as Pianoman after a one off online purchase using a new card from the "largest quality cycle retailer" in the UK.

Spotted a discrepancy between my online balance and transaction history the same day as the original purchase was complete (the only transaction that I had completed with the card) but it took a few days to show up as an 02 prepay top up purchase (last two days were bank holidays here so couldn't contact bank to stop transaction).

Card now stopped and forms filled in for refund but likely to take 2 weeks at best - all for a small part that I needed urgently that my LBS didn't have in stock.

Ditto, my credit card has only ever been used once since it was issued. This was at an online bike shop in May and I got hit for 30 quid 02 top-up a couple of weeks back.

The reason why the card was only used once was because after using the same bike shop on the previos issue I got frauded. A freind had the same thing happen after using the same shop so I used the card once only as an experiment and bingo, I get hit again.

Not good. And it was not wiggle. Shame is, the banks don't seem interested in pursuing the source of the frauding retailer.

Stellite

I got hit a couple of weeks ago. A £10 tesco direct order and £350 at O2. I cant say for definate what the source of fraud was as I use all the normal online bike shops, but it was after a large purchase at ?ggle.

Think there is too much of our card details etc floating round these days.

Captain Fagor

Captain Fagor wrote:

Well, having started a different thread some time ago on this issue, my credit card has been compromised once again. This time, the card issuer pulled the card as soon as it was used at a certain retailer (giggle), having "reasonable cause to believe that credit card scammers were in possession of my number".

As the above poster says, the rozzers really ought to get involved with this. I'm annoyed at myself for not using the paypal route. :twisted:

Card rumbled again. Wiggle definitely not involved this time: I haven't used them since the last time my card was compromised. Amazon on the other hand..... :evil:

EKIMIKE

This is a royal ho-bag to deal with. It's happened to me this week. 02 top ups, random URL's and Play.com have been used by the thug. The random URL's are stopped by the bank but 02 top ups and play.com appear legit to them so i've gotta claim.

The problem is, it's so hard to know where the breach has occured. Website, personal computer, email e.t.c. Anyway my bank has been really helpful so that's nice.

giant_man

Amazon.co.uk for me. Again. Last July as well. This time 3 x £30 phone top ups, 1 O2 and 2 Vodaphone.

Getting tiring this promise of internet security ..... claiming too.

antfly

Happened to me 3 times, the last time they tried to transfer £15000 quid into their account using my card, luckily MBNA rang me first. They also got into my online credit card account. The second time it was hundreds on women`s underwear and cosmetics which must have made them suspicous as I never spend that much on undies and the card was stopped
The first time it happened they tried to spend thousands on white goods but the shop contacted me first and gave me a name {my surname and the forename Sarah} and the address where the goods were to be sent which I gave to the bank but they weren`t too interested, they said not to worry as I am not the victim. Another shop didn`t bother to check so probably lost a few thousand quid. It`s just been an inconvenience for me but cost nothing. I always use paypal now if possible.

Gragi

Just off the phone to HSBC - my card was tested, don't think any money taken.
My last "purchase" with that card was HMRC(!) tax bill in January via one of these online tax softward packages that they force you to use if you live outside UK... Although I did buy a tyre from a certain online retailer in early January - can't remember if it was the card that was frauded or my other one. It's possible the latter card, as I also bought some tyres from said retailer a couple of weeks ago and it definitely wasn't on the defrauded card, and this is the first time I've been frauded on a credit card, whilst I have used said retailler probably 6 ot 7 times in the last 3-4 years. So who knows. Better check the statements for my other card!

Gragi

PS thank you HSBC for efficient security monitoring!

Wappygixer

Everyone blames online stores etc for the fraud.
Do you visit dodgy websites, have up to date anti virus ,anti spyware,regular scans of your pc etc.
So much software is installed onto pc's these days by means of illegal downloads which are not always what they seem.
You may well have an anti virus on your pc which was there when you bought it but these are often just 3 month trials or a 12 month subscription.After this time you may just as well delete it for what its worth.
Try something like Avast,AVG or Kaspersky, ignore Norton and Macaffe from PC world as the detection rates are poor in comparision and slow your pc to a crawl.
Spybot search and destroy is also an excellent anti spyware program.
Remember when something pops up asking for permission, READ IT don't just accept it as an annoyance.
I'm not saying this is true of everyone but in many cases it is.

andy_wrx

Wappygixer wrote:

Remember when something pops up asking for permission, READ IT don't just accept it as an annoyance.
I'm not saying this is true of everyone but in many cases it is.

And if there's someone else who uses your PC who isn't so PC-literate, don't give them admin priviledges, or who knows what they'll let install itself on your PC...