What am I doing wrong - card fraud

Stellite

Got my card done over again. Always seems to be around the run up to Christmas.

Luckily the bank had flagged up a dodgy O2 top up.

Thats 3 times in a couple of years now.

Monty Dog

I avoid non-chain petrol stations precisely for this reason - there's one near here that's notorius

Stellite

My last transaction was with a large internet store you buy tunes from.

Pokerface

Stellite wrote:

My last transaction was with a large internet store you buy tunes from.

It isn't usually your LAST transaction that's the suspect one. Your card details could have been harvested anywhere and stored for later use - or sold on. If it was as simple as looking at the last transaction to figure out where the fraud was coming from, the fraudsters wouldn't be doing a very good job!

kettrinboy

I never use my card to pay for petrol as petrol stations seem to be hotspots for having your card swiped,and when using your card in restaurants, shops etc anytime the card goes out of your sight thats when these scumbags can quickly in a second swipe your card through a handheld card reader, i,m a bit old fashioned in that i still pay in cash for most things and only use my card for internet purchases on secure sites and have so far not had my card compromised,oh and I always shred credit card statements as crims forage through dustbins for statements which have card numbers on which they can then possibly use to make purchases.

newtez2

Same here! had a £20 top up on a tmobile vocher, now i have a work phone and they used my card to test the waters so im told,
Funny thing is I bought something online through a huge internet suppier A

---

as they have smaller outlets, but my bank are being complete tossers, they didn re found me my £20 after i filled in a fraud form etc etc but the they toke it back of me saying i hadnt completed the form correctly, the person i spoke to couldnt speak ernglish very well so i went to see my local bank manager!
Yeah i know its only £20 but its my money!
And he sorted for me stright away!

Stu T

More than likely it's been swiped a while ago at an ATM. Skimming devices are very common on popular well used machines and can get 100s of card details in half hour.

Phone transactions are common because they are small enough not to be flagged.

Best bet always check ATM before use and if something doesn't feel right don't use and report to the bank.

I know of entire towns which have been skimmed over a weekend. So be careful

shouldbeinbed

newtez2 wrote:

Same here! had a £20 top up on a tmobile vocher, now i have a work phone and they used my card to test the waters so im told,
Funny thing is I bought something online through a huge internet suppier A

---

as they have smaller outlets, but my bank are being complete tossers, they didn re found me my £20 after i filled in a fraud form etc etc but the they toke it back of me saying i hadnt completed the form correctly, the person i spoke to couldnt speak ernglish very well so i went to see my local bank manager!
Yeah i know its only £20 but its my money!
And he sorted for me stright away!

you're being ironic, right?

Pokerface

shouldbeinbed wrote:

newtez2 wrote:

Same here! had a £20 top up on a tmobile vocher, now i have a work phone and they used my card to test the waters so im told,
Funny thing is I bought something online through a huge internet suppier A

---

as they have smaller outlets, but my bank are being complete tossers, they didn re found me my £20 after i filled in a fraud form etc etc but the they toke it back of me saying i hadnt completed the form correctly, the person i spoke to couldnt speak ernglish very well so i went to see my local bank manager!
Yeah i know its only £20 but its my money!
And he sorted for me stright away!

you're being ironic, right?

Don't confuse a poor command of the language with poor typing.

bill57

Guess vocher, re found, toke and stright are just typos as well then?

Pokerface

bill57 wrote:

Guess vocher, re found, toke and stright are just typos as well then?

Pretty much. Speaking and typing are two different skillz. (See what I did there?)

Giant Jon

Funny you should mention this - last week got my bank statement through the post with two payments to O2 Prepay... both at £15 each. I have never bought anything from O2, so disputed the transactions with the bank and was refunded the £30.

Have you ever had any dealings with Euro Car Parts? I'm not accusing them, before anybody thinks of sueing me! I never was a decent detective tho lol. Find it strange that you mentioned O2. Hope it's none of the online bike shops leaking our details...

domhnall_dearg

I reckon that in a lot of cases the security lapse is from the card issuer themselves. The reasoning behind this is that about 3 years ago my card changed from a smaller bank to a much larger (and more famous) issuer due to a take over. Prior to the changeover I'd never had any problems, other than ones of my own making anyway. However since changing, I'm now on my fourth card. My internet buying habits haven't changed and I rarely use the card anywhere else.
Obviously there's no real evidence, but I'm just a bit suspicious.
I also note that while I'm activating the new card over the phone, it gives them the chance to try to sell me card protection insurance. This is probably just my natural cynicism though.

Stu T

Domhnall Dearg wrote:

I reckon that in a lot of cases the security lapse is from the card issuer themselves. The reasoning behind this is that about 3 years ago my card changed from a smaller bank to a much larger (and more famous) issuer due to a take over. Prior to the changeover I'd never had any problems, other than ones of my own making anyway. However since changing, I'm now on my fourth card. My internet buying habits haven't changed and I rarely use the card anywhere else.
Obviously there's no real evidence, but I'm just a bit suspicious.
I also note that while I'm activating the new card over the phone, it gives them the chance to try to sell me card protection insurance. This is probably just my natural cynicism though.

Nope very very unlikely

Buckled_Rims

I once saw a "mistake" on a card swipe. The assistant apologized, threw the ticket away and started over again (yeah, it was the old machines, but still worth mentioning).

When I asked for the damaged ticket, she said "It's OK, we'll throw it away". I asked again, her smile went, but what I did notice was she hadn't thrown it in the rubbish bin, but a small box next to it.

A couple of months later in the local newspaper, it mentioned an assistant had been arrested on fraud.

Mmmm?

jgsi

Monty Dog wrote:

I avoid non-chain petrol stations precisely for this reason - there's one near here that's notorius

Agreed with that one.. I used an unfamiliar Shell station in woolly back land last November that had pump card payment... It refused the receipt request .. didnt think anything of it until the card was being 'used' a few weeks later.... I reckon it had been rigged... anyways I am keeping close check this year as it is always the run up to Xmas that the batard fraudsters try to have merry old time of it at someone elses expense.

keef66

Apparently I'd been online gambling using my Barclaycard during my gallbladder operation. I don't remember it, but then again I was under general anaesthetic.

Still, I got a shiny new Barclaycard, and a $500 refund first from Barclaycard and then again from the online gambling concern. Sadly no winnings though.

Stellite

Its definately online as I dont use the card in the real world.

It does appear seasonal too, summer and the run up to xmas.

The last time they spent £450 on a laptop. At least they were caught prior to a major purchase this time.

The bank advised me that they are looking for small card payments for phone top ups and also Tesco direct were also a favorite as the fraudsters test the cards prior to major purchases.

The worrying thing is are they purchasing online (ie identity theft) or in a shop with a cloned card.

izza

The only thing you are doing wrong is not including your wife's Xmas present (and all of your latest bike equipment purchases) in the list of "suspect transactions".

If the bank are going to supply you with such a dodgy card the least they can do is buy your wife some gifts to get over the stress caused.

nwallace

Secure internet shopping is only as secure as the weakest link.
While your details may be secure that doesn't mean stuff isn't being processed by tapping your card number into a ePOS machine as a Card Holder not Present. (This is what Edinburgh Bicycle for example do), therefore all it takes is for the computer to be left unlocked with the "secure storage" app open or for the dodgy bas to be doing the transaction for your card info to be nicked.

It's one reason for using WorldPay (or PayPal if you must) where that option is given rather than a CnP transaction on an ePOS.

Amazon, iTunes etc. should be fine though as they use bespoke payment gateways, ever noticed that iTunes transactions tend to take a while to show up but rarely more than a month?

Ands

Could be keylogging malware.

I never type my card number directly in when I'm online - I just type the numbers 0-9 in the box and use cut/copy/paste to get them in the right order (using the mouse to select the numbers rather than the k/b). I do the same in the secure code box - just copy the numbers into the box rather than typing them. It doesn't really take much longer than normal and it's less painful than dealing with fraud. Unless the malware can get a final snapshop of what you submit then it's a more secure way of entering the card number.

I did get defrauded once about 18 months ago (which is what prompted me to start being wary of keylogging software). The first transaction was for a few pounds at Carphone Warehouse, followed by £1200 at the Bose store.

daviesee

Stellite wrote:

Its definitely online as I dont use the card in the real world.

It does appear seasonal too, summer and the run up to xmas.

The last time they spent £450 on a laptop. At least they were caught prior to a major purchase this time.
The bank advised me that they are looking for small card payments for phone top ups and also Tesco direct were also a favorite as the fraudsters test the cards prior to major purchases.

The worrying thing is are they purchasing online (ie identity theft) or in a shop with a cloned card.

I assume you have got a new card. Right?
Any suspicious behaviour and a new card is the first step.

inaperfectworld

I try to use cash machines inside the bank and am reluctant to use street machines;:they are unlikely to have tampered with inside the bank. I also use a credit card for online transactions. At terminals in shops I also use the credit card, but actually prefer to take out the cash and pay with that. If you get a dodgy credit card transaction you can dispute it with the bank before paying for it.
Also make sure you cover your PIN at machines and terminals: I can't believe how casual people can be about this despite.
I have also have a bought proper Antivirus software from Kaspersky.
After that well the bad guys are too smart, but I may well start using Ands method of copy/pasting the numbers that I put in

da goose

Been there been done...
Best advice is to set up a bank account purely for internet purchases and transfer cah into it as/when required with minimal float, at least its the banks money not yours if there is an issue and in my case banks stopped a few transactions (the usual one pound first time attempts) as with minimal transactions they show up eally quickly.
best thing i have done and solved many issues.