Card fraud

[coggers28]

Got phone call this afternoon from Barclays Fraud department they said there has been some large transactions from my acount and could i explain them.
Well to cut a long story short it appears Mr or Mrs X has been using my card. This is the 3rd time in ?years. After a bit of investigation I have come to the
conclusion that the only time that they could have got my details was at a petrol station.
What pees me off is that the he majority of credit card fraud is done at petrol stations :smt013

Why can't something be done to stop these c***s.](*,)

From now on cash it is.

[Spiderman]

You're lucky you can use cash. Some petrol stations in some parts of london wont accept it as is too dodgy apparently :roll:

But yeh i agree that there needs to be better systems in place to stop card cloning cos as well all know this chip n pin nonsense does nothing to safeguard us at all but is a get out clause for the banks to say "well we dont know your pin....you MUST have told someone or allowed then to find it out so its all your own fault!"

Wunch of bankers!!

[Essex of Essex]

Stopped for a bite to eat the other day, mate paid with his card, card was taken away from the table but remained in sight went through the machine and was returned with the payment slip "thank you have a nice day" no pin number, no signature, account debited! He challenged the waiter and was told they allways did it like that it was quicker, effectively a transaction without the customer being present just as if he had ordered something by telephone. Since then I have insisted that the card machine is brought to the table they must have used the 3 digit security code off the back of the card.

No names but it was a large chain of noodle resturants.

[rob13]

Coggers, have you been and checked your account yourself either at an ATM or online?
The reason I ask is that some people have been scammed into a providing details over the phone to a "fraud dept" when really it is a scam in itself.

[embee]

Coggers, have you been and checked your account yourself either at an ATM or online?
The reason I ask is that some people have been scammed into a providing details over the phone to a "fraud dept" when really it is a scam in itself.

My thoughts too.

I've had a couple of obvious scam phone calls purporting to be my bank, and once from a credit card co. which turned out to be genuine (they didn't ask for any identification nor details, only confirmation of very basic descriptions of transactions which were genuine but not "typical").

If in any doubt, say you'll ring them, ask for a reference, and get their phone no. yourself from an independant source (statements or website etc). If they are genuine they should be happy to do this.

Also beware anyone saying they're from Visa or Mastercard, they will never call you (you'll deal with the card provider not Visa etc).

[BanannaMan]

I run a Chevron petrol station here in the States.
It is impossible for an employee to gain access to your full card # at any Chevron/Texaco station.
Our computer records and your reciept only show the last 4 digits on the card.
And you MUST have the actual card (not just the #) to use it for purchases here.

[northwind]

It is impossible for an employee to gain access to your full card # at any Chevron/Texaco station.


Do you not hand the card over at any point? Do they not have eyes?

[Gordon B]

Stopped for a bite to eat the other day, mate paid with his card, card was taken away from the table but remained in sight went through the machine and was returned with the payment slip "thank you have a nice day" no pin number, no signature, account debited! He challenged the waiter and was told they allways did it like that it was quicker, effectively a transaction without the customer being present just as if he had ordered something by telephone. Since then I have insisted that the card machine is brought to the table they must have used the 3 digit security code off the back of the card.

No names but it was a large chain of noodle resturants.

That is worrying. When I had a shop if you punched the 'customer not present' button on the pdq machine, you needed their address and postcode to complete the transaction. I would seriously question what went on there.

Gordon

[Well Oiled]

Stopped for a bite to eat the other day, mate paid with his card, card was taken away from the table but remained in sight went through the machine and was returned with the payment slip "thank you have a nice day" no pin number, no signature, account debited! He challenged the waiter and was told they allways did it like that it was quicker, effectively a transaction without the customer being present just as if he had ordered something by telephone. Since then I have insisted that the card machine is brought to the table they must have used the 3 digit security code off the back of the card.

No names but it was a large chain of noodle resturants.

They did that to me at Stansted airport. Found it very strange and asked why - they said they do it to speed service up. That's the only time I've not been asked to use chip and pin.

[Well Oiled]

You're lucky you can use cash. Some petrol stations in some parts of london wont accept it as is too dodgy apparently :roll:

But yeh i agree that there needs to be better systems in place to stop card cloning cos as well all know this chip n pin nonsense does nothing to safeguard us at all but is a get out clause for the banks to say "well we dont know your pin....you MUST have told someone or allowed then to find it out so its all your own fault!"

Wunch of bankers!!

I feel a lot safer with chip and pin than I used to without it, and the statistics don't agree with you. Since it was introduced there's been a lot less card fraud, despite a big rise in the use of credit cards for online transactions. It's obviously not fail safe but it's a big improvement.

[pencil shavings]

That is worrying. When I had a shop if you punched the 'customer not present' button on the pdq machine, you needed their address and postcode to complete the transaction. I would seriously question what went on there.

Gordon

when i worked in a shop over last summer, we did lots of phone orders for the military. posting to different address than the card was regestered. when the postcode time came round, you just pressed enter, said it was wrong but the transaction would still go through. you could even put the transaction through with the incorrect security code if you had the right post code.

all the credit card details were kept in files on paper. no way of tracking it if someone just copied the details down. what makes it more scary was this was on a army base!

that is scary.

[northwind]

Chip and pin was never designed to be foolproof, it was just designed to make it a bit harder to commit fraud- it's had a bit of an impact on professionals, a big impact on the more casual thief, all of which is good. I read somewhere that it paid for a third of the cost of the project within a year, which is good going.

What you're seeing with these shops is just a situation where they're choosing to slacken their security, in return for a benefit. They take a risk, because they're more likely to have to pay out in the event of a fraud event (banks will try and reclaim costs from shops that don't have proper safeguards) but some places think it's worthwhile. I think B&Q still have about 1/3 of their chain using signatures, for instance, because it's cheaper to suck up the cost of claims than it is to pay for protection.

This is the basis the whole industry works on, just not usually this obviously- if you look at the encryption and verification we use for large scale transactions, you can see that reducing card fraud to background level is possible- but the costs and inconvenience would be immense. So you strike a balance, x amount of fraud vs x amount of cost/hassle. The customer's protection doesn't come from the card security, it comes from the bank.

[DarrenSV650S]

I have just discovered my card details have been stolen:smt093
Went on to my online statement and there was a transaction from some overseas airline. I just phoned them up and they said there are a few other transactions pending, totalling over ?400!! Bunch of low life scum!!!:smt092

They have cancelled my card and are sending a new one.

[BanannaMan]

Do you not hand the card over at any point? Do they not have eyes?

We hire all blind employees.;)

No really...They take the card from you swipe it and hand it back.
They would REALLY have to have a good photographic memory to get your card #.

And I would fire anybody I thought was checking out card #'s. :smt045

[Warren]

We hire all blind employees.;)

No really...They take the card from you swipe it and hand it back.
They would REALLY have to have a good photographic memory to get your card #.

And I would fire anybody I thought was checking out card #'s. :smt045

or a semi averige camera, say like a mobile phone camera ?

i got scammed a while ago, dont know where, but it got flagged when 200 was drawn out in austraila, and then 5 mins later, i drew out 20 over in the uk,

my other halfs card got cloned in a petrol garage, we know exactly what one, as it was the only transaction on her credit card - shal i name and shame ?

[BanannaMan]

or a semi averige camera, say like a mobile phone camera ?

i got scammed a while ago, dont know where, but it got flagged when 200 was drawn out in austraila, and then 5 mins later, i drew out 20 over in the uk,

my other halfs card got cloned in a petrol garage, we know exactly what one, as it was the only transaction on her credit card - shal i name and shame ?

Crooks will always find a way.
You should never let your card leave your sight IMHO.

Name and shame away....
I just hope it's not a Chevron (or Texaco). :(

If it is..report them. If it was the owner or manager the station could lose it's franchise...and someone will deffinately be fired.
At least that's how it is here...
They have very strict rules ..in fact ....you WILL lose your franchise here if your store is convicted of selling cigarettes to minors.