steve2 Posted July 31, 2007 Report Share Posted July 31, 2007 had a text from visa today asking me to ring them asap,turns out some scumbag was using my card number today Due to the fact visa were monitering my card due to 3 small amounts going out last month without my knowledge, they were only able to buy about £390s worth of goods. Well done visa the downside is i had to cut up my card and have to wait for a new one So guys and girls keep checking your accounts Link to comment Share on other sites More sharing options...
cruiser647 Posted July 31, 2007 Report Share Posted July 31, 2007 Just as well they were monitoring your account! Why they can't send the police round to the delivery addresses of the goods, I'll never know! Link to comment Share on other sites More sharing options...
davidhodgkinson Posted July 31, 2007 Report Share Posted July 31, 2007 I had this last month with my works card. The bank decided to ring me when the person tried to book a train ticket to vienna. They had also had 3 or 4 transactions to I tunes..... Link to comment Share on other sites More sharing options...
steve2 Posted July 31, 2007 Author Report Share Posted July 31, 2007 one of mine was I tunes!! Link to comment Share on other sites More sharing options...
mikemod Posted July 31, 2007 Report Share Posted July 31, 2007 Funny you should say that, this is what I got on my statement on Friday. Thankfully all been refunded now, card stopped and a new one issued. Link to comment Share on other sites More sharing options...
pritesh Posted August 1, 2007 Report Share Posted August 1, 2007 [ QUOTE ] Just as well they were monitoring your account! Why they can't send the police round to the delivery addresses of the goods, I'll never know! [/ QUOTE ] not as simple as you may think, I work in this industry for a company that specialises in online fraud and payments, and the address verification system that the UK and US use will only check the numeric values in the first line of the address and the postal code only. therefore it is extremely dependant upon the customer/cardholder entering the correct address, if its out slightly like flat 14 on one line or 14 on line 1 and flat on line two and it doesnt match the issuing bank it will be a mis match. Therefore this leads to false positives. Many merchants do not use the AVS checking system in the fraud detection screening as its simply not reliable. Link to comment Share on other sites More sharing options...
pritesh Posted August 1, 2007 Report Share Posted August 1, 2007 [ QUOTE ] had a text from visa today asking me to ring them asap,turns out some scumbag was using my card number today Due to the fact visa were monitering my card due to 3 small amounts going out last month without my knowledge, they were only able to buy about £390s worth of goods. Well done visa the downside is i had to cut up my card and have to wait for a new one So guys and girls keep checking your accounts [/ QUOTE ] Mate where did they try to spend the money? was it online? if so do you know which business it was? Link to comment Share on other sites More sharing options...
pritesh Posted August 1, 2007 Report Share Posted August 1, 2007 [ QUOTE ] Just as well they were monitoring your account! Why they can't send the police round to the delivery addresses of the goods, I'll never know! [/ QUOTE ] Another reason why they cant do that is this is what we term as "digital goods" which means that the there is no phsycial address to "ship goods to" consequently, the merchant will do the following when a card payment is done: Authorisation and instantly also call for the settlement (requesting of funds). However the settlement will only be sent at just before midnight of that business day. Link to comment Share on other sites More sharing options...
steve2 Posted August 1, 2007 Author Report Share Posted August 1, 2007 it was a digital accont i am led to believe Link to comment Share on other sites More sharing options...
Calm Chris Posted August 2, 2007 Report Share Posted August 2, 2007 My card had £2000 done in May, mostly Easijet and FX booths. Phoned up |Easyjet and told them and asked for the name on the Airline tickets purchased. Sir "under the data protection act we cannot give you these details" But, but, but I paid for them and want the details..no can / could do. Told Barclays fraud and they don't give a toss. Had 95% of the damage taken off the card / statement, but the hunting down of fraudsters is a farce. No wonder so many people are getting involved with the collection side of card fraud. There's no accountablity and the card firms don't seem to give a toss. After all buying a plane ticket, requires traveller ID due to terror security and a passport. A no brainer to catch such use- if they could be bothered..... Link to comment Share on other sites More sharing options...
burble Posted August 2, 2007 Report Share Posted August 2, 2007 Just had a phone call from the office to say that my company Barclaycard has been done for about £5k. First suspicions are that it's a member of staff who went AWOL at the beginning of the week Good job I've got another bit of company plastic as I'm out in Germany this week. Link to comment Share on other sites More sharing options...
Mattchaps Posted August 2, 2007 Report Share Posted August 2, 2007 Bloody hell what is going on at the moment, thats a few of us all affected within the space of a week or so. To say i'm worried is an understatement Link to comment Share on other sites More sharing options...
mikemod Posted August 2, 2007 Report Share Posted August 2, 2007 Maybe an on-line retailers database has been hacked and we haven't found out yet.. Wouldn't be the first time Link to comment Share on other sites More sharing options...
burble Posted August 2, 2007 Report Share Posted August 2, 2007 It's possible I suppose but I don't think it's relevant to my case - the guy who went AWOL has just been arrested and I've been asked to go to Milton Keynes police station when I get back from Germany to give a statement. Link to comment Share on other sites More sharing options...
pritesh Posted August 2, 2007 Report Share Posted August 2, 2007 [ QUOTE ] My card had £2000 done in May, mostly Easijet and FX booths. Phoned up |Easyjet and told them and asked for the name on the Airline tickets purchased. Sir "under the data protection act we cannot give you these details" But, but, but I paid for them and want the details..no can / could do. Told Barclays fraud and they don't give a toss. Had 95% of the damage taken off the card / statement, but the hunting down of fraudsters is a farce. No wonder so many people are getting involved with the collection side of card fraud. There's no accountablity and the card firms don't seem to give a toss. After all buying a plane ticket, requires traveller ID due to terror security and a passport. A no brainer to catch such use- if they could be bothered..... [/ QUOTE ] Many merchants make it very difficult to actually trace fraud for the actual card holder. In order to fight this you need to review your Credit card terms and conditions. by law you are covered for any fraudulant transactions. I would suggest you clarify with your issuing bank how they have classed the transaction you are disputing. In theory you should be credited back the FULL amount. They will then talk to the merchant bank who will chase the money down from the merchant. They have 14 days to defend it if they can prove without doubt you made the transaction. There is a catch tho...Im not sure how many of you have heard of Verified by VIsa and MasterCard secure code? If in doubt PM me...im happy to explain this and how it effects you as a customer. Link to comment Share on other sites More sharing options...
pritesh Posted August 2, 2007 Report Share Posted August 2, 2007 [ QUOTE ] Bloody hell what is going on at the moment, thats a few of us all affected within the space of a week or so. To say i'm worried is an understatement [/ QUOTE ] It happends more often than you think and in all honesty it is not difficult to do it either....how many of you actually shred your mail, regardless if it is sensitive or junk mail? how often do you check your bank statements? once a month when they come in the post or online everyday? Fraudsters are very soophisticated...and IT smart to say the least! Link to comment Share on other sites More sharing options...
Booster Posted August 2, 2007 Report Share Posted August 2, 2007 These type of transactions a Card Holder Not Present so how do they get the security code on the back of the card? All CHNP trnasactions now have to have this. Link to comment Share on other sites More sharing options...
Calm Chris Posted August 2, 2007 Report Share Posted August 2, 2007 TK Max anyone [ QUOTE ] Customers of discount clothing chain TK Maxx have today been warned that their credit cards could be used by criminals for fraudulent transactions, after the retailer confirmed that financial and personal data relating to UK shoppers has been stolen from the company as part of a wider data security breach. The theft, already one of the world's largest incidents of corporate data theft, has so far seen US-based retailer TJX admit that 45.7 million credit and debit cards was stolen from the company in a computer data security breach over an 18-month period. The firm also confirmed that as well as financial data, thieves were able to copy customer's personal information - including names, addresses driving licence and other identification data - belonging to approximately 451,000 people who had returned goods to stores without a receipt. This is in addition to 3,600 other cases the company had previously admitted to. [/ QUOTE ] Ta Booster, but it's all sorted now. I was trying to get the details from Easijet as a good citizen, not because B'card fraud were suggesting I pay the fraud transactions Link to comment Share on other sites More sharing options...
steve2 Posted August 2, 2007 Author Report Share Posted August 2, 2007 [ QUOTE ] These type of transactions a Card Holder Not Present so how do they get the security code on the back of the card? All CHNP trnasactions now have to have this. [/ QUOTE ] quite easy if you think about it, i run a shop and a lot of my customers pay by card, now i have their address,card no. from my reciept and i had a quick peek at the security code on the back. now all i do is pass on these details to some dodgy fecker who gives me 2 grand for every six numbers i give him, the last bit was told to me by someone in banking circles as to what is happening at present Link to comment Share on other sites More sharing options...
DHA Posted August 2, 2007 Report Share Posted August 2, 2007 Will verified by Visa do anything to help? Link to comment Share on other sites More sharing options...
pritesh Posted August 3, 2007 Report Share Posted August 3, 2007 [ QUOTE ] These type of transactions a Card Holder Not Present so how do they get the security code on the back of the card? All CHNP trnasactions now have to have this. [/ QUOTE ] Legally marchants are NOT permitted to capture and/or store the 3 digit (4 in the case of AMEX) security card number. This number is something that should always remain with the cardholder. Link to comment Share on other sites More sharing options...
pritesh Posted August 3, 2007 Report Share Posted August 3, 2007 [ QUOTE ] Will verified by Visa do anything to help? [/ QUOTE ] PM me and ill explain the pros and cons of VBV and Mastercard securecode Link to comment Share on other sites More sharing options...
pritesh Posted August 3, 2007 Report Share Posted August 3, 2007 [ QUOTE ] [ QUOTE ] These type of transactions a Card Holder Not Present so how do they get the security code on the back of the card? All CHNP trnasactions now have to have this. [/ QUOTE ] quite easy if you think about it, i run a shop and a lot of my customers pay by card, now i have their address,card no. from my reciept and i had a quick peek at the security code on the back. now all i do is pass on these details to some dodgy fecker who gives me 2 grand for every six numbers i give him, the last bit was told to me by someone in banking circles as to what is happening at present [/ QUOTE ] this is tru to a degree...it does happen more often than you think and by law a business must be PCI compliant if they are taking payments and sensitive credit card data is hitting their website or call centre. Link to comment Share on other sites More sharing options...
steve2 Posted August 10, 2007 Author Report Share Posted August 10, 2007 it seems that some fecker has bought 2 orange phones for £168 each and £10 worth of credit. good job i cancelled the card because all i have to do now is fill in a simple fraud form Link to comment Share on other sites More sharing options...
bazza_g Posted August 15, 2007 Report Share Posted August 15, 2007 [ QUOTE ] this is tru to a degree...it does happen more often than you think and by law a business must be PCI compliant if they are taking payments and sensitive credit card data is hitting their website or call centre. [/ QUOTE ] If you're talking PCI DSS there are still a lot of companies who haven't a clue what they are supposed to be doing or what their responsiblities are! Does your company do something like QSA or ASV work for the PCI Security Standards Council? Link to comment Share on other sites More sharing options...
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