Credit/Debit card cloned...

Hi all,
I was wondering if anyone else has experienced this?

My wife's debit card has been 'cloned' and someone has been withdrawing funds from her account in the Netherlands.
[V]
Somewhere she has never been incidentally!

Anyway she picked it up yesterday quite quickly and contacted the bank who were, in my opinion, not too helpful.
[:#]

Despite them saying they would cancel the card and send her all the relevant claim forms there have been further amounts withdrawn from the account today.

Now I realise that it can take a few days for posted items to hit your account but surely the bank had to authorise the transactions in the first place, so they should have been aware of the unposted items when my wife contacted them yesterday!
[n]

She has now been sent a claim form by fax (did not realise we still had one in the office), but has been told it will take at least 2 weeks to process them and get her money back.
In the meantime the 'thief' has taken her account overdrawn and she will get hit with charges for that, for which she has to go to her branch and ask them to refund the charges.

Am I ecpecting too much but thinking they should be a bit more proactive and/or sympathetic?
[:?]

I had my Amex cloned once in Florida, got back and seen half a dozen transactions for Shell fuel in Georgia [?][?]

Phoned Amex, they immediately stopped card, sent out new one in a couple of days and deleted the bad transactions [y]

In these times (ie internet banking etc) I would expect banks to be much more clued up than your experience, however, it 'should' sort itself out in the end - albeit with more hastle than it should have taken. [:?]

David

I had 3,800 removed from my account this week but luckily the bank were on the case and have dealt with it.
I think they intercepted a cheque book. My husband had 8,000 taken from a credit card he only ever uses in cashpoints and that took longer. They were filling lorries with petrol in Asda Northampton! From my experience its unsettling but does get sorted and should all be repayed.

[Scrooge]

Mrs Scrooge had hers cloned a couple of months ago, amazingly only $97 was taken from the account before Chase caught it [y] they shut down the card and locked the account [y] of course getting access to the account has become a major pain in the neck, Chase was nice enough to open a new account, issue debit cards, but not fund it with money from the old account until the investigation is completed due to there being pending charges against it [:(!] from California, even the rational though of it being used in California while we are standing in a branch in Nevada didn't seem to work.

[buns]

thompst

This is an all too frequent occurrence these days[V]

The ability of the bad people to skim information by installing phoney front ends to cash machines is the price we have to pay for the privilege of convenience.

Whilst is is a blow to you and your wife, the fact that it is so commonplace nowadays (just look at the number of posters who have replied already) say that this is nothing new for the Banks and that it will get sorted - eventually[n]

One of the downsides is that you can expect more rigourous checks by merchants in the future when using your cards

buns

[Scrooge]

Buns I would agree with, but having read the police report I would say it's still a rare thing.

The person that used Mrs Scrooges card also used 3 other cards with the same clerk, under different names to pay for different things, totally amazing.

And yes on our retail side we take it very seriously, ID is required for any credit transaction.

How come then that in many places in the US, I never get asked for ID when paying by card or even get asked to sign anything. They swipe the card, hand it straight back to you, give you the receipt and that's it - no ID, no signature, no pin number.

quote:Originally posted by Tinkerbelle
How come then that in many places in the US, I never get asked for ID when paying by card or even get asked to sign anything. They swipe the card, hand it straight back to you, give you the receipt and that's it - no ID, no signature, no pin number.


In many places in the US they DO ask for ID, I can recall this in Circuit City - but obvioulsy not everywhere.

As for the OP, it sounds slow and unreactive - like David I had this happen with an Amex card and their response resulted in but a few minutes to put everything back to where it should have been with my account and a new card in 24 hrs, and I was overseas.

quote:Originally posted by slinky09

In many places in the US they DO ask for ID, I can recall this in Circuit City - but obvioulsy not everywhere.


I would say it is about 50/50 whether they ask for ID or not.

Thanks for all the responses.

Things are hopefully sorted now and we move on.

I agree, it is a price we have to pay for convenience.

I will be much more carefull at the cashpoint/ATM in future!

On the credit card side I've always found Tesco (RBS) fraud management to be on the ball.

On the debit card side Lloyds provide a free text service where they will notify you if your card is used abroad.

I must admit that I've grown more careful about which cashpoints I use, not letting my card travel away from a table in a restaurant and shielding my pin entry.

Paul

quote:Originally posted by Tinkerbelle
quote:Originally posted by slinky09

In many places in the US they DO ask for ID, I can recall this in Circuit City - but obvioulsy not everywhere.


I would say it is about 50/50 whether they ask for ID or not.

I remember a couple of years ago always being asked for ID but in the last year I can't remember being asked at all.

The Hilton credit card issued by Barclaycard has been a right royal pain for being stopped.Their fraud department stopped the card 5 months on the run.Same merchants every month as I pay my suppliers with it,over the phone or online,this was flagged suspicious activity.The last 3 months same payments and not heard a dicky bird.

Only once had CC problems and I could be fairly sure just where the card info. was taken - at a retailer in LHR!
Resolved never to use a card again at an airport.

All to easy for someone to know you may be difficult to contact when travelling away from home.

I24 (now operated by Barclaycard) were excellent - I inform them when out of country and they had card stopped and a replacement delivered within 36 hours!

Was once asled for passport in the Virgin megastore in San Francisco but didn't have it with me.

The conversation between the assistant and the manager (on the phone) went something like

Manager - (overheard) - Does he have a Scottish accent (I was using my RBS mastercard)

Assistant - 'Yes'

Was totally gobsmacked as have only been to Scotland twice and usually get asked if I'm from Wales!