Re: Unauthorised transactions on my account


"Nick" <Spam@xxxxxxxx> wrote in message
news:5jm7heFaae6U1@xxxxxxxxxxxxxxxxxxxxx
Yellow wrote:
Nick [Spam@xxxxxxxx] said:
Dave N wrote:
global_assassin@xxxxxxxxxxx wrote:
On 29 Aug, 08:42, Alan Ferris <a...@xxxxxxxxxx> wrote:
On Wed, 29 Aug 2007 07:49:45 +0100, Dave N <nos...@xxxxxxxxxxxxxxxxx>
wrote:

global_assas...@xxxxxxxxxxx wrote:
I first noticed this last Friday when a
payment of £30.00 was made to T-mobile. As I didn't recognise
this
transaction I telephoned Lloyds-TSB and told them about it. The
guy I
spoke to at the fraud department told me that he would put a
temporary
block on my account and get a new card sent out to me, and I would
also be refunded the £30.00 within the next 10 days
[...]
As I hadn't used
my card since Saturday I didn't know anything of this transaction
either as it hadn't yet appeared on my online statement.
You 'phoned them last Friday and were told that your account was
being
blocked, and then you used your card on Saturday?
This is the problem with liars, they rarely get their facts straight.
I am not a liar and yes I did use my card on Saturday as I needed
money. I took out £10.00. My card was supposed to be blocked but
wasn't, hence my account not being in a "fraud state".
Quite. You used your card legitimately, presumably via an ATM with the
correct PIN, so the Bank helpfully "unblocked" your account again
because that was obviously what you now wanted. I'd call that good
customer service which enabled you to get your much-needed cash.

I tend to think good customer service is when a bank lets the account
holder take money out of an account and doesn't allow unrelated other
persons to remove money fraudulently. I guess I'm old fashioned.


If a card has been compromised, how exactly are the bank supposed to tell
which transactions were made by the cardholder and which were made by the
fraudster?


Was the card compromised? Did someone have access to the pin? Or was it
just that some one had copied card information that is made available to
third parties each time the card is used.

Yes, if banks can't tell the difference between the card owner and a
fraudster I would say the system is somewhat flawed.

However given the laughable state of bank account security one would have
hoped that the bank would block the card after they were warned it had
been used fraudulently. Which is what the OP claims they promised to do
and didn't. I wasn't the one claiming the bank was offering a good
service.

Indeed Bank security is laughable. A few years ago I profferred my card in
a store for a purchase. I was asked by the store to speek on the phone
allegedly to the card company because there was something not right about my
card. I put the phone back on the hook without responding to some fishing
questions and retrieved my card from the fingers of the store manager and
left the store. Not quite immediately I went to an ATM and successfully
withdrew some cash with the card and was still able to days later.
Obviously not suspect enough though my behaviour in clearing the call and
retrieving my card ought to have be been.

ISTR in this read the initial suspect transaction was to a mobile phone
company. I think it would be quite easy to set up such a transaction by
only seeing a card and memorising the numbers. No card required to be
cloned even.

You're right, the only relevant issue in the thread is why it appears the
card was not blocked initially. Where the balance of probabilty lies on
each side of the story may be affected by the existence or non existence of
the recording and call records.

Jim A




.

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