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AIBU to smell a rat? (Bank related)

(39 Posts)
CyclopsBee Sat 20-Dec-14 12:17:49

Ok, so had a missed call on my mobile earlier, I didn't answer as it was an 0871 number,
I then get a voicemail asking me to phone a different number, saying it's my credit card company,
Then I get a txt message asking if I'd spent £2.93 this morning on my card,
I haven't used my card as I have no credit on it at all.
I then try and look at my account online and my account is blocked so i phone customer services who agree £2.93 was spent this morning but they can't tell me how as I have no available credit. The man tries to put me through to the fraud dept but comes back and says they are busy and I need to phone back on Monday,
WTF is going on? confused

listsandbudgets Sat 20-Dec-14 12:22:06

I don't know but I'd be insisting on hanging on for the fraud department.

Have they cancelled the card? It could have been a test transaction which is about to be followed up with something a lot bigger.

CyclopsBee Sat 20-Dec-14 12:25:06

Mmm but how can anyone use a card that has no credit available on it? I'm actually a few pound over my credit limit which they know I am paying next week

Bluecarrot Sat 20-Dec-14 12:26:38

Did you call the number from the missed call or from the bank website?

divingoffthebalcony Sat 20-Dec-14 12:27:27

You did the right thing by logging into your bank account rather than ringing any numbers. But the fact your account's been blocked suggests there has been some fraudulent activity and your bank are taking the right steps. It doesn't sound like a scam.

I would be calling them back to cancel your card(s) rather than waiting until Monday, though.

RattieBagTheOldHag Sat 20-Dec-14 12:31:00

It sounds ok but I would keep phoning until I got through to the fraud department just for peace of mind.

iwantaginsoakedXmas Sat 20-Dec-14 12:31:05

I would call the bank again to sort it out.

DH had a couple of odd calls the other day from the bank. We missed the phone both times, so there was a message on the answer machine - a recorded message saying that they suspect fraudulent use of debit card and could he phone back.

After the second call - he phoned the bank using the number he knows and it was indeed his bank, and a genuine concern. He had tried to pay for a hotel and the transaction failed twice, before being accepted. So this had flagged up as a possible fraud.

Better to be safe than sorry.

PausingFlatly Sat 20-Dec-14 12:31:06

Look at the bank's website for a direct number for a fraud department. Failing that, call the Lost or Stolen Card number.

This isn't something you want to hang about till Monday for.

iwantaginsoakedXmas Sat 20-Dec-14 12:31:21

As Pausing says!

CyclopsBee Sat 20-Dec-14 14:38:23

I have just phoned them back, there is nobody in the fraud department unitil Monday and the customer services couldn't see the £2.93 on my transactions but they have blocked my card anyway so I'm none the wiser!
It's worrying isn't it? How can someone have access to my card when I hardly use it and it's over the limit??

PausingFlatly Sat 20-Dec-14 18:34:10

Glad the card is now definitely blocked, and presumably the account frozen. Helluva nuisance for you, but better than the alternative.

Good luck on Monday.

IHeartChristmasMoomies Sat 20-Dec-14 18:47:12

With it being a small amount, retailers don't ask the bank for authorisation that the account has available funds, just that the card number is legitimate and not stopped or cancelled. This is why you could go over your OD limit or your credit limit. They are normally called guaranteed transactions.

lljkk Sat 20-Dec-14 19:01:02

don't you all think it's some kind of automatic payment that has gone on the card, like paypal fees or a regular DD? If I were a fraudster I'd manage to aim a lot higher than to cheat someone out of 2.93.

CyclopsBee Sat 20-Dec-14 19:05:44

The first person I spoke to this morning said it was paid to 'twrsofus inn'
But the second phone call, she couldn't tell me who the payment was for.

PausingFlatly Sat 20-Dec-14 19:10:24

As listsandbudgets says, fraudsters typically do a small test transaction to check the stolen details actually work, before using the card for a larger transaction.

Redglitter Sat 20-Dec-14 19:15:54

There was a case in the news recently where someone made an eye watering amount of money be defrauding bank customers of £2. The theory was people won't notice £2 or if they did they wouldn't enquire about it because of the amount. They were right and got literally hundreds of thousands before being caught

lljkk Sat 20-Dec-14 19:38:14

so what is this website?

CyclopsBee Sat 20-Dec-14 20:54:19

Weird lljkk
I've no idea what that is, I'm abit worried tbh

RandallFloyd Sat 20-Dec-14 21:00:02

No need to be worried.
Your bank have done their job.

This is one of the things you pay them for.
Let them worry about it.

pinkoneblueone Sat 20-Dec-14 21:10:50

If u ever get a call and u find it odd then locate a number for them yourself don't give them ANY details use another phone to call the bank from the one they dialed u on

Rooberoobe Sat 20-Dec-14 21:29:07

Cyclops I wouldn't worry as Randall says it's their job.

I used to deal with this (not committing the fraud!) and it was common to test small transactions first.

There are many ways they can get card details but to be honest no point worrying as most the time you will never find out anyway.

The fact your online banking has been blocked and the call means they probably already know it's fraud and just need you to confirm it.

Although I strongly suggest you check your credit file to ensure no new products have been applied for.

WowserBowser Sat 20-Dec-14 21:34:01

Agree with Roob

You're not liable for fraud so try not to worry.

CyclopsBee Sat 20-Dec-14 21:35:06

Thanks rooberoobe that's reassuring,
You hear it happening to other people but I guess I'm just a bit shocked, bloody gits

amicissimma Sat 20-Dec-14 21:38:45

Possibly your card was cloned at some point when you did do a transaction. As PP have said it's very common for the cloners to then try a small amount once or twice, and very often to a mobile phone company, before launching a full scale attack on your card.

As to where it was cloned? Hard to say. DH had a card he used once in 6 months cloned at a branch of a very respectable restaurant chain. My friend had hers cloned at a petrol station that I use quite frequently (again she hardly used the card so it was obvious). DH didn't find out until he got the bill with transactions that he'd apparently made in person when he could prove he was hundreds of miles away.

At least your bank was alert and it's been blocked. They'll probably send you a new card which will arrive at the Post Office's convenience.

Rooberoobe Sat 20-Dec-14 21:46:14

Oh you'd be surprised what they do! I could tell you some stories but I can't!

I suspect that the reason the second advisor couldn't see the transaction was because it's been recalled.

I would also suggest to log out, change passwords etc and un save any card details you may have stored. The details probably weren't taken from your computer but better to be safe than sorry.

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