ATM withdrawal wasn’t me!

180 replies

SingSweetNightingale · 06/08/2022 18:38

Hi all,

I’m looking for some advice as I can’t find much online that matches my current situation.

Whilst at work last Sunday I noticed two cash withdrawals at cash points had been made on my card. I immediately panicked as they totalled £300.
I contacted the bank and cancelled the card and they opened a dispute with the fraud team.

This is where my problem starts. The bank are refusing to refund me as they say it can’t be fraudulent. They said the transactions were made with my chip and pin card which can’t be cloned and whoever took the money used a cashpoint so must have known my pin.
I realised the last time I’d used the card was in Aldi the day before using chip and pin but these withdrawals weren’t made until the following day.
The location of the cashpoint is 30 minutes from my home however at the time I was an hour away from the location at work which I can prove.
Nobody uses my card or knows my pin but they’re adamant that it is not fraud and will not refund.

Has anyone been through something similar? Is it really impossible for cloning to happen on a chip and pin card? It seems like a complete mystery yet I’m being made out to be a criminal and I’m currently £300 down.

TIA

OP posts:

dehloh · 09/08/2022 09:05

gatehouseoffleet · 09/08/2022 09:00

OP none of this makes any sense if you bank with Starling.

If your card was stolen/lost, you go into the app and turn it off, so the card can't be used.

And even if you didn't do that, you would get a notification on the app telling you exactly when the card was used. I am often still at the contactless/chip and PIN machine when my phone buzzes! So if you card buzzed to tell you it had been used after the first transaction, why on earth didn't you turn it off at that point?

It was the notification about the 2 withdrawals that alerted OP, so that bit does make sense. She called her bank when she saw them.

dehloh · 09/08/2022 09:06

@gatehouseoffleet

OP was at work.

Maray1967 · 09/08/2022 09:21

Both DH and I have been the victims of card fraud. To be honest, I think it’s likely that you left it/it was taken at Aldi by someone who saw you enter your Pin. The fact that they waited until later to use the cash point does not rule this out at all. There could be reasons why they couldn’t do it earlier. And some try their luck even when it is likely that many victims would have reported it. My scum bag fraudster tried to buy a second boiler using my credit card days after the first incident. He surely must have known it was likely that the first incident would have been reported by then. Some of them are thick as well as criminal.
If you don’t live with anyone and didn’t have a friend or neighbour in your house in that time. Aldi is the most likely place where it disappeared.
Some previous posters on this thread need to take a long hard look at themselves. £300 is a lot of money for most folks to lose. Op had explained why she initially said she still had the card and why she’s got confused with cloning etc. if there are no other adults or teens in the house who could have used the card, it’s obvious to me where it happened. I’ve left a card behind at the tills before when distracted by kids - fortunately for me it was the cashier who found it and the store contacted me as it was their credit card.

Maray1967 · 09/08/2022 09:26

DH has just reminded me that a friend of ours had something similar happen. Thief first tried to use the card the following day, not straightaway at all.

Leftbutcameback · 09/08/2022 18:25

I'd agree with @Maray1967. And surely we've all been a bit distracted and put a card in a pocket instead of safely away. I know I have. Good luck OP, keep going.

It does also make me think I wouldn't use a bank who didn't have branches. Years ago when my card was cloned I found my bank hard work on the phone so I sat in their branch office and called from there to get it sorted.

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