2 cards cloned- one is brand new

[Anothernewusername2]

My Tide business card was cloned on Thursday. 10 transactions went through and I’ve lost close to £2000.

(contacted them and froze the cards etc and an investigation is pending)

This morning I’ve woken up to 3 more attempts (all declined because I froze all cards with this bank).

>However I notice that they have attempted to use another card linked to my bank. This card is brand new, I have never used it. It’s actually still stuck in the letter and envelope that the bank sent to me a couple of weeks ago. (This card that’s been posted to me doesn’t have the card number and expiry date written on it)

How could someone possibly attain both card details?

My bank said they would cancel the two cards and send me some new ones out. However I’ve decided to just freeze my account (and business saver) entirely.

What do you think is going on? And where has the breech happened? Thank you for any advice

Happened with me once some 20 years ago. I froze my card by asking the bank. There was no internet banking at the time. Three transactions happened after I froze the account.
The bank told me the action of freezing is not immediate, the transaction in pipeline can still happen and not reflect, pending transaction which go through are automatically applied to new card as the transaction are recorded by customer number.
I thought in 20 years banks would have improved their system but it seems not.

All I can think of is do you use Uber and do you have your card details saved, with them card details are automatically updated by some banks when you get a new card so if it's your Uber account that was originally compromised then that's how they have your new card details

Sorry to be unclear.
The second card that was attempted (declined) this morning was issued 2 weeks ago (I upgraded my account)

Also no I don’t use uber, I rarely use the business card (use a credit card mostly) and have never ever used the new card.

Tide put a request to send me out some new cards today, but I decided to actually cancel these before they even can reach me

do you use google pay or similar?

had the same , different bank, a while ago. False payments on saver so cards, even before they’d arrived. Turned out they had linked one card to google pay, bank automatically updated the device every time a new card was issued.

in the end got them to delink.

ask them what route the transactions took and good luck.

Hi yes I do.
I’ve deleted all cards from Google pay and Apple Pay now.

When you say that you got them to delink, what steps did you take? I’m not sure how try delink. I’m wondering if I need to set up another bank account.

(The second card was already in my possession before the first card got cloned. But I’ve asked them not to send any cards and just block my account)

I know Netflix and Amazon also automatically update details when a new card is issued, without you doing anything. So seems the practice is widespread. I guess it could be any other vendor doing the same?

I didn’t like the idea when I first came across it. Itseems to defeat the purpose of issuing different cards!

With my bank if I get issued a new card,the new card is automatically saved to my phone before I even get the physical card,they get the information off your phone,that’s why I stopped having money in my account because it’s happened to me 3 times.

I can’t remember the exact wording (hit up AI chatbot maybe) but ultimately got them to block Google Pay tokens for the account. No further issues.

stunned me they didn’t twig the issue when I said that I didn’t use google pay (iPhone user)

It seems strange. How are we ever meant to get a new card without the fraudster continuing?

Ive deleted all cards from Apple Pay and Google Pay. Do you think if I ask for a new card this will do the trick?