Voicemail from bank fraud detection unit

[fatboy]

I had a missed call and voicemail from HSBC today, then my debit card got declined in a few shops,odd as its payday.
Got home and gave them a ring, they told me my card had been cancelled as a precautionary measure because they had intelligence suggesting that my card details had been copied. Iasked if they knew when/where ect and they said they were not given specif details from the intelligence unit but it is more than likely a result of data hacking
Im really cautious with my online card use,so something ain that secure

[GregD-UK]

Hi all,

The fact that your card has been stopped would indicate they have direct evidence that your a/c has been compromised! They can trace specific transactions in europe ok, but, far east and pacific rim are more tricky. They often do test withdrawals of 1p to see if a/c still active along with card details. But, some banks are savvy with that, as you can't buy anything for that amount. I would pursue your interest to see where the compromise has taken place, so you can avoid certain sites or places you use your card....

[squadron Nero]

I overcome the problem of having my bank account raided by these crooks by being permanently skint. Seems to be working so far.

[T.C.]

It has happened to us several times, and it all started when the Mrs decided to pay for a pay and go phone top up online.

Every 3 weeks her card would get blocked, and a couple of times it left her stranded at a garage unable to pay for fuel

After several complaints and nothing being done despite asurances from the Banks head office, a comlplaint to the FSA got a compensation award of £750 for the inconvenience and to be fair it has not happened since.

The banks fraud departments have little idea of how fraud is actually committed

[BikerGran]

You need to be very careful about contact from the bank fraud department.

My daughter's elderly, just out of hospital dad was contacted by the fraud department who asked for his PIN number and password, which he gave them - now I know that none of you would do that, because you're not 75 and somewhat unwell.

But Lucy is a joint account holder as she has power of attorney, so she had to sort it all out with the bank, who eventually refunded the £3000 that was taken.

BUT - Lucy later got a call from the fraud department, which sounded absolutely genuine - and Lucy is nobody's fool! - until they got to the bit where SHE asked HIM for the password that had been agreed when she went into the bank with her dad to put the whole mess right. He didn't know anything about a password - and that was the first inkling Lucy had that it wasn't genuine!

[fatboy]

I must admit that the bank go to some lengths to point out they will never ask for a PIN or complete password, maybe the 3rd 5th and last charectors of a password.
The odd thing was I used my card to buy fags and lunch mid morning, got the message from the bank around 3 pm and the card had been cancelled sometime after I used it, they told me times and locations of when I tried to use the card and reported no other activity.
I have not used the card for on line shopping for weeks but use it daily for gen shopping so Im guessing someone hacked data transfer from a retailer to bank.
What they didnt tell me was that,possibly, someone tried to pay for 1,300 Euro's worth of brandy and cigars in Latvia with my card, which alerted them ect ect

[FalcoPete]

I'm with HSBC and they are hot on potential card fraud & my experience is nothing but exemplary!!! They contacted me once & said my card has been compromised - I asked how & they said unless you own a Concord you paid for a room for 2 nights in a New York hotel & bought a piece of jewellery in West Australia 6 hours later!!! Would have cost me thousands...they just gave me a new card & said they would pursue the offender - thank you HSBC

[HowardQ]

It has happened to us several times, and it all started when the Mrs decided to pay for a pay and go phone top up online.

Every 3 weeks her card would get blocked, and a couple of times it left her stranded at a garage unable to pay for fuel

After several complaints and nothing being done despite asurances from the Banks head office, a comlplaint to the FSA got a compensation award of £750 for the inconvenience and to be fair it has not happened since.

The banks fraud departments have little idea of how fraud is actually committed

I had a similar issue a couple of years ago, with a debit card and a pay as u go account. I have a cheap mobile with O2 that I take on hols because it is cheaper and less lkely to be nicked than my contract phone.
I decided to it top up over the phone, (as normal tey day b4 the hols), and had problems with the first call. It seemed to lose the call half way through and died without completing. I repeated the call and topped up the max amount, which was £25 I think, needed more so I topped up again with a bit more straight after, which worked OK.
Went to fill up the car on the way to the airport b4 hols and card refused, so had to pay by cash and just went on hols.
Contacted NatWest from the airport, who told me that the card had been blocked and cancelled because of suspected fraudulent use.
Asked could they re-activate it, said no they would send me a new one, explained I was at the airprort about to leave for Cyprus in an hour, so that would be NFU. Demanded to speak to a manager, but none available so finally agreed to put me through to the NW Fraud Unit direct.
They waffled on a lot, but again could only send me a new card out now the old one was cancelled.
Off we went on hols and managed OK, just did't eat out as much and the Euros we had lasted OK, had a credit card if it came to the worst.
Got back home and phoned the fraud unit direct and complained that it had caused us distress and worry on the holiday, not knowing if we had enough cash to get through and no chance of withdrawing any more. Explained that my wife had been particularly worried on holiday, (as she was). Also complained that as I use online banking, they have my email, landline and mobile details, so surely they could have contacted me before cancelling.
They said that that might have been a risk, if they thought the card had been stolen, I told them that was absolute bollox and I would be closing all my accounts with them, having been with them since leaving school, as I was totally disgusted etc., etc..
They then went into begging mode, what can we do to keep your business, etc. etc..
I explained that I had never had a problem before with them, but was still upset.
What can we do to compensate? We would like to keep your business!
If we were to transfer £100 into your account today would that be acceptable?
I agreed that because previous service had been very good that would be acceptable, and the money came straight through.
A couple of days later a courier delivered as big a bunch of flowers I have ever seen via Interflora, must have been way over £50.
They contacted me later to ask if we had received them and explained again that they were sorry for the issues and hope these would compensate my wife for the "worry" during the holiday.
They explaine how, when cards are stolen, the thieves often try something simple like 2 or 3 phone top ups and so they automatically block the card.
It satisfied us both and left us happy.

[BikerGran]

Possibly the reason the bank wouldn't use the online access was in case that had been hacked or worse - the scroates who got my ex's details actually set up online banking to his account!