Credit card deception

[georgegeorgia]

Recently I came back to my home country of Australia after being locked up in Pattaya for 6 weeks, I won't get into the full story as I'm suffering PTSD over it

 

But I checked my credit card statement to see 5 transactions for Uber made in Europe totalling $400 US in one night !

 

I immediately rang the credit card company ( Australian bank) to get a very bad woman on the end who told me she would cancel my card and I must go and fill out a dispute form and send it in.

 

She was clearly unemotional and I  was angry and she told me to calm down 

I had my CC in front of me so who used it for $400 in the UK for Uber when I was in Thailand?

 

She told me it's likely someone could of bought my numbers off the dark web or copied my card 

Now I rang the police in Australia who were disinterested and smart arse who asked me if I wanted they send a team of top Australian detectives to London ,when I said yes ! He hung up the phone !

 

So I rang the UK London metro detectives who were a bit more nicer and they told me to ring the bank in Australia but if I found a nameof any offender  to call them back 

Any idea how they  would use my CC details to buy food  in a uber eats  across the World ?

[mogandave]

You file a claim, they cancel the card and send you a new one. And you wait. 

 

What’s the big deal? What do you expect?

[georgegeorgia]

6 minutes ago, mogandave said:

You file a claim, they cancel the card and send you a new one. And you wait. 

 

What’s the big deal? What do you expect?

The big deal is ....I have the CC in front of me !

How did someone use it?

 

Secondly the attitude of the bank and Australian police 

She at the bank told me she calls hundreds of phone calls a night about disputed transactions 😲.well do something about it 

 

The UK detectives (London)  I rang were much better

 

although I had trouble over the phone understanding the Scottish police ( Scotland Yard) I also rang from Australia,they assured me if I got any names of these people who used my CC in the UK when I was in Thailand ....to order home delivery food they would go after them if I file a complaint form even if I live in Australia

 

The pathetic disinterested cc card company which is a major Australian bank 

 

[susanlea]

This is fairly common. You should check your banking website every week if not everyday. Only takes 30 seconds to check recent payments. You can also set up an sms message to authorise online transactions.

[scubascuba3]

12 minutes ago, georgegeorgia said:

I had my CC in front of me so who used it for $400 in the UK for Uber when I was in Thailand?

We don't know.

 

Once reported credit card company usually refunds the items but you have to confirm the items and yes they cancel the credit card and issue a new one with new numbers

[susanlea]

1 minute ago, georgegeorgia said:

The big deal is ....I have the CC in front of me !

How did someone use it?

 

Secondly the attitude of the bank and Australian police 

She at the bank told me she calls hundreds of phone calls a night about disputed transactions 😲.well do something about it 

 

The UK detectives I rang were much better although I had trouble over the phone understanding the Scottish police I also rang from Australia,they assured me if I got any names of these people who used my CC to order home delivery food they would go after them ! 

Actually it is your fault. You need to keep a check on payments. Very easy to do. You can also block and unblock cards in a matter of seconds. You took 7 weeks to report the transactions. That is your fault.

[georgegeorgia]

5 minutes ago, scubascuba3 said:

We don't know.

 

Once reported credit card company usually refunds the items but you have to confirm the items and yes they cancel the credit card and issue a new one with new numbers

That's the case yes ...but ....but ..some B used my CC to order themselves home delivery food X 5 times in one night in the UK 

Are Scotland yard not interested, they told me to give THEM names of  the potential offenders and file a report 

The Australian police hung up on me 

The bank seemed she was reading a script 

 

Now has anyone else had this happen to them ? 

How did they get my cc number?

[richard_smith237]

7 minutes ago, georgegeorgia said:

Recently I came back to my home country of Australia after being locked up in Pattaya for 6 weeks, I won't get into the full story as I'm suffering PTSD over it

 

But I checked my credit card statement to see 5 transactions for Uber made in Europe totalling $400 US in one night !

 

Not an abnormal experience - you are covered, so nothing to worry about - PTSD is considerably over egging the concern for a few hundred $$ that you'll certainly get returned. 

 

7 minutes ago, georgegeorgia said:

I immediately rang the credit card company ( Australian bank) to get a very bad woman on the end who told me she would cancel my card and I must go and fill out a dispute form and send it in.

 

She was clearly unemotional and I  was angry and she told me to calm down 

 

Why should she be anything other than professional and unemotional ??.....   this is something they encounter every day.

Why are you getting angry with the call centre / anti-fraud staff... its not their fault, they are helping you. 

She was right to tell you to calm down - getting annoyed with them is a dumb response.

 

He response is exactly the 'standard response' - cancel the card - they'll also send out a new card. 

 

7 minutes ago, georgegeorgia said:

I had my CC in front of me so who used it for $400 in the UK for Uber when I was in Thailand?

 

Its been 'skimmed' / copied somewhere - you use your card, people take the details and they use it overseas or elsewhere... usually its tested for a very small amount first.

 

7 minutes ago, georgegeorgia said:

She told me it's likely someone could of bought my numbers off the dark web or copied my card 

Now I rang the police in Australia who were disinterested and smart arse who asked me if I wanted they send a team of top Australian detectives to London ,when I said yes ! He hung up the phone !

 

You are massively over-reacting and acting like a child about it - just go through the process they advise, is simple - only one phone call is needed.

 

7 minutes ago, georgegeorgia said:

So I rang the UK London metro detectives who were a bit more nicer and they told me to ring the bank in Australia but if I found a nameof any offender  to call them back 

 

This is hilarious....     Just deal with the Bank, they will cancel the card and refund the fraudulent activity. 

Sometimes you may need to sign an affidavit that it was not you who carried out the transaction. In most cases, they'll just wave the transaction as its so obvious based on your location (Digital footprint Geolocation) that it couldn't have been you making the transaction so not even an affidavit is being used. 

 

7 minutes ago, georgegeorgia said:

Any idea how they would use my CC details to buy food  in a uber eats  across the World ?

 

They get the details and 'test' the card...   then hopefully they can ramp up to 'bigger expensive' if its not blocked. 

 

My card gets blocked regularly for 'unhabitual use'...  I have to call the bank to get my card activated again.

 

Also, sometimes I make a Web Transaction, then a few moments later to a few days later, another 'transaction' is carried out and I have to call the 'fraud team' - they can see where the transaction was carried out and even the operating system which was used (i.e. I use a Mac and they can tell if it was Windows etc) - we cancel the card and a new one is sent.

 

My Wife's card gets fraudulently used a couple of times per year - usually for $1 in Hong Kong or something - they calls the bank, then bank cancels the card, the card, a new one is sent.

 

[digbeth]

18 minutes ago, georgegeorgia said:

I immediately rang the credit card company ( Australian bank) to get a very bad woman on the end who told me she would cancel my card and I must go and fill out a dispute form and send it in.

 

She was clearly unemotional and I  was angry and she told me to calm down 

 

Would you rather have her by hysterical?

 

there are various ways your card numbers could have been compromised, skimmed from the many physical shops you used, or being copied by shop staff and sold, or if you've ever used it online, compromised at the site

 

disputing charge with credit card is normal procedure and no need to get worked up over it, unless the bank refuses to reimburse you 

[richard_smith237]

Aw gawd...   made the mistake of not looking at who the author of the thread is.

 

Over-reacting drama queen.

 

This is a nothing - non event that happens to most / a lot of people on a yearly basis.

 

 

He wants Scotland Yard involved - this perfectly highlights how far removed from reality this poster is. 

[susanlea]

6 minutes ago, georgegeorgia said:

That's the case yes ...but ....but ..some B used my CC to order themselves home delivery food X 5 times in one night in the UK 

Are Scotland yard not interested, they told me to give THEM names of  the potential offenders and file a report 

The Australian police hung up on me 

The bank seemed she was reading a script 

 

Now has anyone else had this happen to them ? 

How did they get my cc number?

This happens millions of time a week around the world. The police aren't going to chase $400 for you. Don't be surprised if the bank denies your claim. You need to report these transactions promptly. You failed to show 'duty of care'.

[georgegeorgia]

And this is EXACTLY why these people are getting away or should I say GOT AWAY with having a great FREE time in the UK last month ordering home delivery on my money because of peoples APATHY !

I'm tempted to find these Bxxxxstards myself by flying to the UK and dealing with them

There seems no investigation into these crimes !

5 times in one night they ordered home delivery.ad I said to the nasty bank woman,they were having a good old PARTY on.my money !!

 

[susanlea]

2 minutes ago, georgegeorgia said:

And this is EXACTLY why these people are getting away or should I say GOT AWAY with having a great FREE time in the UK last month ordering home delivery on my money because of peoples APATHY !

I'm tempted to find these Bxxxxstards myself by flying to the UK and dealing with them

There seems no investigation into these crimes !

5 times in one night they ordered home delivery.ad I said to the nasty bank woman,they were having a good old PARTY on.my money !!

 

The woman on the phone talks to 50 idiots a day that don't check their bank statements often. Not her fault.

[cdemundo]

32 minutes ago, georgegeorgia said:

Recently I came back to my home country of Australia after being locked up in Pattaya for 6 weeks, I won't get into the full story as I'm suffering PTSD over it

 

But I checked my credit card statement to see 5 transactions for Uber made in Europe totalling $400 US in one night !

 

I immediately rang the credit card company ( Australian bank) to get a very bad woman on the end who told me she would cancel my card and I must go and fill out a dispute form and send it in.

 

She was clearly unemotional and I  was angry and she told me to calm down 

I had my CC in front of me so who used it for $400 in the UK for Uber when I was in Thailand?

 

She told me it's likely someone could of bought my numbers off the dark web or copied my card 

Now I rang the police in Australia who were disinterested and smart arse who asked me if I wanted they send a team of top Australian detectives to London ,when I said yes ! He hung up the phone !

 

So I rang the UK London metro detectives who were a bit more nicer and they told me to ring the bank in Australia but if I found a nameof any offender  to call them back 

Any idea how they  would use my CC details to buy food  in a uber eats  across the World ?

CC company will reimburse.

What is your problem?

[Liverpool Lou]

22 minutes ago, georgegeorgia said:

 

The UK detectives (London)  I rang were much better

 

although I had trouble over the phone understanding the Scottish police ( Scotland Yard) I also rang from Australia,

Which number did you use to get direct contact with "the UK detectives (London)" [sic]?

[georgegeorgia]

Just now, cdemundo said:

CC company will reimburse.

What is your problem?

Your joking right?

You have the same APATHY attitude as the idiot I rang in the Australian Federal police , what's the word ..is it nonchalant..in other words not taking it seriously 

These  people who used my CC must of been laughing at me as they ATE on my money !

All having a good old laugh at George ! 

Well I for one am not taking it ! 

[georgegeorgia]

1 minute ago, Liverpool Lou said:

Which number did you use to get direct contact with "the UK detectives (London)" [sic]?

At least these people were far nicer and finally transferred me to a very senior member , 

Scotland yard were nice too 

 

[Liverpool Lou]

10 minutes ago, georgegeorgia said:

14 minutes ago, Liverpool Lou said:

Which number did you use to get direct contact with "the UK detectives (London)" [sic]?

At least these people were far nicer and finally transferred me to a very senior member , 

Scotland yard were nice too 

So on which number did you directly contact "Scotland Yard"?

[Liverpool Lou]

12 minutes ago, georgegeorgia said:

At least these people were far nicer and finally transferred me to a very senior member , 

Scotland yard were nice too 

B0llocks.

[richard_smith237]

23 minutes ago, georgegeorgia said:

And this is EXACTLY why these people are getting away or should I say GOT AWAY with having a great FREE time in the UK last month ordering home delivery on my money because of peoples APATHY !

I'm tempted to find these Bxxxxstards myself by flying to the UK and dealing with them

There seems no investigation into these crimes !

5 times in one night they ordered home delivery.ad I said to the nasty bank woman,they were having a good old PARTY on.my money !!

 

It sounds like you were being the nasty one because the 'bank woman' didn't please you in specific manner you expected. 

 

It seems as though this is the first time you've had your card fraudulently used - you've lost your virginity... usually you can expect to get F£$ked every year or so...

 

... Its par for the course, no need to get wound up about it.

... No need to play the moral highground and 'get all butt hurt' that they get away with this because of peoples apathy, becasue you were completely apathetic about this for the past 20 years while using your card, or extremely naieve to the risks. 

...  the whole point of using a credit car is that the USER has better protection.

[richard_smith237]

14 minutes ago, georgegeorgia said:

At least these people were far nicer and finally transferred me to a very senior member , 

Scotland yard were nice too 

 

So you care only about how 'nice' they were ????

 

I've had my card fraudulently used numerous times - I don't care for pleasantries and platitudes...  I only care for 'cold hard facts' line of questions and answers and the plan moving forwards - no need for please, thankyou's etc... 

... And certainly no need for an apology, its not their fault (the fraud team).... 

 

.... Thus: What exactly did you expect... Did this 'bad bank woman' tell you to eff off or something ? exactly how was she 'bad' ???....   did you call the correct department even and she told you she couldn't help as it wasn't her department and you should try the number on the back of your card etc ????

 

 

[richard_smith237]

3 minutes ago, Liverpool Lou said:

17 minutes ago, georgegeorgia said:

At least these people were far nicer and finally transferred me to a very senior member , 

Scotland yard were nice too 

B0llocks.

 

 

georeogeorgia....     Are you sure it was Scotland Yard ???....  I mean... Don't MI5 deal with this sort of thing, or if the crime was committed overseas MI6....   ?

...  Do you speak with anybody called 'James' ????

 

 

 

 

[scubascuba3]

43 minutes ago, georgegeorgia said:

That's the case yes ...but ....but ..some B used my CC to order themselves home delivery food X 5 times in one night in the UK 

Are Scotland yard not interested, they told me to give THEM names of  the potential offenders and file a report 

The Australian police hung up on me 

The bank seemed she was reading a script 

 

Now has anyone else had this happen to them ? 

How did they get my cc number?

When i reported my credit card fraud the bank didn't really care who might have done it, only a big issue for the victim, just move on and forget about it and don't save credit card details online

[susanlea]

Some countries have a 30 day time limit on disputing transactions. The cleaner might get nothing back.

[richard_smith237]

4 minutes ago, scubascuba3 said:

When i reported my credit card fraud the bank didn't really care who might have done it, only a big issue for the victim, just move on and forget about it and don't save credit card details online

 

I don't think it matters where... I've tried to be careful but still got stung. 

 

It used to happen a lot in Malaysia... when using 'paper credit card' transactions (before they were all digital) there was a 50% chance of fraud then I reckon. 

 

These days, most my mine comes down to one or two of Thailands 'online shopping' sites - I that seemed to fit a pattern. 

 

Then we go for a year with nothing...    I'm guessing its staff within on of those 'ecosystems'  who is able to get hold of the data and sell it...  So, which ever website we are using, it ultimately comes down to the level of access an individia; member of staff gets to a 'data set' and is able to sell it on.

 

I think its a lot more common than many up us like to admit. 

 

 

[ravip]

Just a question.

When you buy online, like Ali Express, Lazada, Shopee etc. Does the buyers CC details go directly to those sellers? I thought the payment gateway act as a anonymous middle man.

[patman30]

1 hour ago, georgegeorgia said:

The big deal is ....I have the CC in front of me !

How did someone use it?

years ago, when i run a pub
i used to tell customers to never use their credit card anywhere they have to hand it to someone
to prove my point, i would take there card for payment
and in the few seconds of handling their card right in front of them
i would memorize all the details
about 4 pints later i would recite their card details from memory
and then say, "imagine how easy it is if i use pen n paper...."
then i would explain to them about skimmers, which can be worn and unnoticed on a belt
all you need are the details, not the card
hotels, bars, clubs are the worst places to use a card
and never allow others to handle your card

[ravip]

3 minutes ago, patman30 said:

years ago, when i run a pub
i used to tell customers to never use their credit card anywhere they have to hand it to someone
to prove my point, i would take there card for payment
and in the few seconds of handling their card right in front of them
i would memorize all the details
about 4 pints later i would recite their card details from memory
and then say, "imagine how easy it is if i use pen n paper...."
then i would explain to them about skimmers, which can be worn and unnoticed on a belt
all you need are the details, not the card
hotels, bars, clubs are the worst places to use a card
and never allow others to handle your card

 never use their credit card anywhere they have to hand it to someone

 

Sometimes, this is almost impossible.

[scubascuba3]

23 minutes ago, richard_smith237 said:

 

I don't think it matters where... I've tried to be careful but still got stung. 

 

It used to happen a lot in Malaysia... when using 'paper credit card' transactions (before they were all digital) there was a 50% chance of fraud then I reckon. 

 

These days, most my mine comes down to one or two of Thailands 'online shopping' sites - I that seemed to fit a pattern. 

 

Then we go for a year with nothing...    I'm guessing its staff within on of those 'ecosystems'  who is able to get hold of the data and sell it...  So, which ever website we are using, it ultimately comes down to the level of access an individia; member of staff gets to a 'data set' and is able to sell it on.

 

I think its a lot more common than many up us like to admit. 

 

 

I've never had fraud on my card using Lazada or AliExpress but i never save credit card details, may help

[patman30]

16 minutes ago, ravip said:

 never use their credit card anywhere they have to hand it to someone

Sometimes, this is almost impossible.

when would it be almost impossible?
when would you have no other option but to hand your card to someone?
a lot of times people just do this by habit when there is no need too