Worth checking

A number of years ago, when we moved from one Scottish city to another, we found that £100 had been spent using our bank number at a garage. When my husband went to the bank it turned out that the person had used a cheque with the same number as ours but the sort code of the bank was the difference! We don't believe it. There was, obviously, no difficulty getting the money returned to our account in that case

Sorry but you asked people what you thought and everyone has said same thing but you seemingly don't want to listen. Your choice

Mojack26 another non reader of previous posts. I never asked what people thought. For all the other non readers here's the image I already posted.

Aveline

It was my bank I was dealing with!

I know from bitter experience that banks make mistakes! I worked in one years ago and saw it then. Now, long retired, I still come across incompetence all the time with my bank. I did think about changing to another, but from what I’ve heard from friends, there are no good ones any more. What a state of affairs!

Mojack26

Sorry but you asked people what you thought and everyone has said same thing but you seemingly don't want to listen. Your choice

What the heck are you on about?? I suggest you read posts more carefully!

If someone can purchase something by just putting one number in wrong then people would be doing it all the time wouldnt they ??

It may have been “sorted” as regards issuing a new card but if there was no fraud why the need for a new card?

What allegedly happened makes no sense. I would be checking the transactions for the new card too. There is no such thing as non-deliberate fraud. All fraud is deliberate. The very definition of fraud is “a deliberate act of deception or trickery that involves someone acting dishonestly to gain an advantage or cause a loss”.

The transaction is said to have taken place in a Glasgow pub for “a large purchase of alcohol”. For starters how does OP know it was for alcohol? Many (most?) pubs serve food. A credit card transaction wouldn’t show exactly what had been bought, only the company name of the vendor and the amount.

Whatever it was for, someone would have had to present a card eventually. If there was a phone booking for a table, some pub restaurants might take a card number over the phone and maybe a deposit as security against no-shows but nobody would know what the bill was until the customer came to pay. They would then be asked to present the actual card. The transaction would either be contactless or require the card to be slotted into the machine and a PIN entered. Either way the card number is read by the machine. Where’s the scope to enter an incorrect card number?

Credit card numbers have sixteen digits. Let’s say the machine was one where the numbers could be input manually. Let’s say the number on the card presented was 1111 2222 3333 4444 but someone entered 1111 2222 3333 4445 instead. When the customer was asked to enter their PIN, it would not match the card number that has been input whoever the card belonged to. The transaction would have failed.

The bank is getting the money back … From whom? I’m interested to hear if the sum has already been credited.

Is OP sure this wasn’t money she had spent elsewhere but the vendor was part of a larger organisation and that is the name which has appeared on her account? There are a number of conglomerates with HQs in Glasgow which have a multitude of different businesses in their porfolios.

I sometimes see an entry on my own credit card statement and don’t recognise a name. It’s usually something I have bought online. That company name differs from the trading name but the transaction is correct.

I noticed when I ran my own business, that the copy given to customer only had last 4 figures of credit card long number on it, BUT the business copy had the whole 16 numbers, expiry date, and it would be a very simple matter to look at the 3 numbers on the back of the card and memorise them.
I reported this to the fraud dept of my bank, and I felt they virtually shrugged their shoulders and weren’t interested. Very simple for someone to take a quick photo on their phone and use illegally.
I also worked for a nationwide company and ALL employees (2.500 front of store plus 2.500 warehouse, delivery staff, could log into the computer with access to all personal details, phone nos etc, plus credit card details. Despite reporting this to security again nothing was done.
So I try to use cash wherever possible

LauraNorderr

This is just not possible. If paying by card it is just a tap. If the card must be inserted then the PIN number must match the card used.
If buying online then the card number must match the three digit security number.
There is no way a simple typed in number error can happen.
I would check with my bank.
I think you’ve been misinformed Aveline or I have misunderstood the explanation.

No, it isn't possible.

At least the card was cancelled.

JennyCee

Credit cards are not to be trusted. During covid I received my M&S statement which should have been £000. There was an item purchased in Canada using my M&S card. M&S tried to say my fault until I pointed out I couldnt have gone to Canada during Covid!!! Took some time for them to admit their fault entirely, but how the peretrator got my card details is another question.
I wont have any credit card now, esp not M&S.

M&S were dreadful when I had my credit card used fraudulently. A Nationwide credit card (both used with the same reputable company) was also fraudulently used and they sorted out the problem promptly and efficiently.

Trying to sort it out with M&S was, quite frankly, like walking through treacle and I had to put a complaint in to a manager before it was sorted out weeks later. I cancelled my M&S card.

4allweknow

MOnica Creditcard systems sometimes as you to enter the pin number for your credit card even when just swipping to pay a small amount. When it happens to me I just joke that the card is telling me I've been spending too much. It's a check that the card is being used correctly, nothing to do with the shop or pub.

Yes, it does ask you to use a pin occasionally; I was asked the other day.

When swiping the cards all the time, it would be easy to forget pin numbers so an occasional reminder to use one is helpful.

99Steve

The three digit 'security' number on the back of the card is potentially known by anyone connected with all the people you have used the card with and quoted that number - not great security. The 16 digit card number does however contain a check digit, which means that if someone unknown had accidentally mis-typed their own number so it looked like yours it would be rejected as the check digit would not match.

You wouldn't need to put in the long card number when buying a round of drinks in a pub. You'd either swipe or insert the card into the card reader and use just the pin number.

It's all very odd.

Whih credit card company was it, Aveline? (you don't have to tell us, of course).

Do not have an automatic update for Amazon - they will charge you for Amazon Prime whether you have it or not, and it takes ages to find a telephone number to them on the Internet and longer to get them to actually refund you the money!

I frankly think it sheer nonsense to tell you that someone must have put in a wrong digit by mistake - if I do that, the payment would erefused.

Hi I am late to the party but agree with previous comments. I have had my credit card frozen by Nationwide twice in the last 3 months! Once they were buy in g computers etc in Brazil!!! They started off with small amounts on Uber and then got to Apple.

The bank froze my card and sent a letter. I would have preferred a phone call to
Alert me as I tried to use the card before the letter arrived and found it would not work so called the bank. The other time my card was being used in Glasgow so not so easy to recognise.

Both times they immediately stopped the card and ensured the amounts taken were refunded and new cards issued quickly. Now I check my account online every few days 🤪.

Merry Christmas everyone. 🎅🏻

Although it was over 10yrs ago mollyonamission the method used by the scammers in my instance was similar in that they went for two fairly small transactions first then were heading to hit the jackpot when the bank stepped in. I was lucky my bank did phone me and re-assured me that my account was safe. I always check every second day online now myself and watch for any transactions I don't remember. I do often wonder what some transactions are but I always manage to work them out and it always something I had forgotten about!!

PS: Good intervention Gransnet!!!

Grayling1
When you buy something on line just take a screenshot of the message from the company confirming your order.

I am sorry but I also find the explanation very strange. I would check with your local police. They have a fraud dept. I found them extremely helpful. They told me the more people that complain helps them. if they don't know they can't do anything.

Aveline

Mojack26 another non reader of previous posts. I never asked what people thought. For all the other non readers here's the image I already posted.

I was notified by my bank - via an email and confirmed in a subsequent phone call by me, to them - containing a customer satisfaction survey about my recent experience of having a new debit card! - that there there had been ‘suspicious’ activity on my account and they’d issued a new card which was on the way. They couldn’t or wouldn’t identify what the suspicious activity was.

I was told my current card would automatically expire 10 days from the postage date of the new card. I asked them how would they know any spending on the card was by me and not anyone else. I was told to monitor my account - which I always do and already have alerts for any transactions in / out of my account.

It took 9 days to receive the new card. However, a few days before I physically received / saw my new card, a phone alert for an item I had just bought on Amazon came through with ‘…card ending xxxx’. It turned out to be my new card, details already shared with Amazon! My saved details for my ‘dodgy’ card onsite were unchanged so I had to physically edit the details once I received my new card and part of the process involved online validating the card changes with my bank.

Also, a payment system called Stripe that issues online payment requests / receipts from businesses had my new card details before I received my new card, too.

In my opinion, the only party guilty of sharing my information without my consent to 3rd parties was my bank!!!

How strange that Gransnet should just ‘poke’ its head in when nothing bad has happened and yet we can go through pages and pages of abuse from trolls for days and days with no input

BlueBelle
Trolls create more traffic. 😉

DH and I had money taken from our accounts at exactly the same time in Korea. The bank's fraud department asked us to prove we had not travelled to Korea 🤨
We went to the police and they wouldn't even listen to us, they said they did not investigate bank fraud.
Turns out we were on a long list of bank clients whose details were stolen by employees and sold on to criminals.