Someones got my credit card details

Simon · Jun 26, 2009, 21:35:39

So, you had two cards compromised at once, Rick? That's going some!

Quote from: colonelsun on Jun 26, 2009, 20:24:55
Sorry if i seem dozy but do you mean that an Amazon seller might be responsible? If so i had no idea they got anywhere near your cc details, that's shocking.

I don't think they do. As far as I am aware, all payments go through Amazon, and if it turns out that market place sellers do have access to card details, it will certainly change the way I shop at Amazon.

Sebby · Jun 26, 2009, 21:35:55

That's my understanding as well, Simon.

colonelsun · Jun 26, 2009, 22:28:57

Thanks Sebby & Simon, i was on the verge of closing my Amazon account, i'll hold off for now though.

Have to admit i'm still a bit confused about the Amazon link.

sobranie · Jun 26, 2009, 22:33:03

I have no proof that the compromising situ was via amazon because mbna fraud dept will not divulge enough info.
BUT ...... perusing purchases around the time of the fraud there was only one instance apparent and that was to a subsidary of amazon.
However, I totally lack proof of the errant transaction as mbna will not furnish details now or in the future.
I wish it to be known that I am in no way allocating blame to any organisation at this juncture.
mbna have also cancelled my log in on their site too!
NB: 2 cards were compromised in that my missus and I have the same card no. with mbna.

Simon · Jun 26, 2009, 23:35:13

I do think it's annoying that the card companies won't divulge information relating to a fraud.

Sebby · Jun 27, 2009, 00:49:11

That would be against the fraudsters' human rights.

Gary · Jun 27, 2009, 07:06:33

Quote from: Simon on Jun 26, 2009, 21:35:39
So, you had two cards compromised at once, Rick? That's going some!

I don't think they do. As far as I am aware, all payments go through Amazon, and if it turns out that market place sellers do have access to card details, it will certainly change the way I shop at Amazon.

I sell on Amazon, all payments go though amazon so they take their cut etc. Then now also are implementation that a seller only gets paid when the goods are dispatched. I as a market place seller do NOT get to handle the transaction, subsidiaries of Amazon have to follow the Amazon rules and you can file a claim though the A to Z Amazon guarantee claim. which is as follows.

You can file an Amazon.co.uk A-to-z Guarantee claim if you purchased physical goods from a seller or merchant selling on the Amazon.co.uk website (including the Amazon.co.uk Marketplace platform). See "Exclusions from coverage" below for a list of items that are not covered by the A-to-z Guarantee.

One of the three conditions below must also apply:

1. You made payment to the seller through the Amazon.co.uk website, but the seller failed to deliver the item by 3 calendar days past the maximum estimated delivery date for an order or 30 days from the order date, whichever is sooner; or
2. You received the item, but the item was defective, damaged, or not the item depicted in the seller's description; or
3. You have returned the item to the seller per an agreement between the buyer and seller and the seller has not provided the agreed refund to the buyer after receiving the item.

You must first contact the seller through Your Account before filing a claim. From the order details, click "Problem with this order?" and "Contact your Seller." Please allow three business days to give your seller a chance to address the issue. You can submit a Guarantee claim if the seller does not respond or if the issue is not addressed to your satisfaction.

I have sold several thousand pounds worth of goods now, and not at any time do I handle anyone's card details or even see them as a marketplace seller.

Simon · Jun 27, 2009, 09:34:59

Thanks Gary, that's good to know.

colonelsun · Jun 27, 2009, 18:56:27

Is there any possibility Amazon redirected you to a dummy/bogus webpage?

andyp · Jun 29, 2009, 09:52:53

The same thing happened to me a few months back when Barclaycard asked me about a purchase of over £1000 pounds for Business services. The card was blocked and I could not understand how this happened as I use Roboform. Each password is a 16 character random generated password and the Master password a 43 bit random character password and that to encryted with a password. The only purchase I had made was a day before through Amamzon, so I thought the problem was probably at Amazon so I immediately changed the password. Where ever possible I try and use Paypal but it is still a constant worry which it should not be.

sobranie · Jun 29, 2009, 11:02:54

Quote from: colonelsun on Jun 27, 2009, 18:56:27
Is there any possibility Amazon redirected you to a dummy/bogus webpage?

Unlikely. The goods ordered via Amazon arrived OK.
Have spent the weekend changing passwords etc and double checking whether a key logger is at work somewhere.
A friend advised me that if someone compromised your CC they may not bother attempting useage for a month or so. New can of worms in that the prob could have come from any source over an extended period.
Interesting point now, attempted to remove card details from Paypal but site refused to do it because of current activities. Have mailed them and advised that my card details with them are null and void and will be rejected by my cc company. No reply so far!!
This is one unholy mess (again). Suffice to say that mbna are ahead of the game and have cancelled the cards together with dubious transactions.
If only mbna would release details of the fraud I'd know who I'm batting against but absolutely no chance I guess!

Simon · Jun 29, 2009, 11:33:06

It may not be one specific retailer. I was told, when my card was last done, that the fraudsters have machines which try random card numbers and expiry dates, until one "clicks", which are the small amounts you find on your statements prior to the bigger amounts going out. It could be just bad luck.

colonelsun · Jun 29, 2009, 17:06:07

It's all very worrying....i really hope you haven't lost the trust issue with online shopping....though i can see a lot of people would.

Just a thought but have you tried Googling your problem? There just might be a whole lot of people with similar problems and vented their anger on a forum.

Baz · Jul 10, 2009, 16:08:13

just found recently that my wifes debit card has had 3 suspicious transactions each of £30 for what looks like mobile phone top ups. Google threw up similar ones with same wording as was on her statements. Its in the police and fraud department hands now according to bank and new card now issued.This has happened to us a few times now and it annoys me that I never seem to find out where it comes from. Im guessing its from an online transaction but you just never know.I would like to find out and would just strop using the place and warn others too.Surely the banks/police must know how it originates.How do you find out where they got your details from.

This got me thinking about everyones online usage, how do you buy and with what.do you have a separate account just for this.

I was thinking of doing this and keeping all purchases separate.What do you think

Rik · Jul 10, 2009, 16:29:22

I keep one card for online transactions, Baz, everything else is done on others. If an online transaction shows on the 'face to face' cards or vice versa it's easy to resolve.

colonelsun · Jul 10, 2009, 19:32:08

From day one i never distrusted online shopping but in the beginning i always shopped with the well known high street names or brands i'd heard of......which might be shocking to new businesses setting up online. Today i always do a search on Google for the company, if it's new to me, i do my best to establish the shop actually exists, i especially look out for negative reviews and there has been several companies i've refused to shop with. My bottom line is that i'm trusting complete strangers with my credit card details and if their web page is confusing, dodges issues, is slow emailing back, and a Google search throws up a load of complaints....then they don't get my business.

Over the years i've discovered some online gems, i've also saved lots of money, there's more chance of someone stealing your details in a shop than there is someone doing the same in a reputable, secure online store. And the billions we Brits spend online seem to suggest we want this new service.

Rik · Jul 10, 2009, 19:36:23

I'd be lost without it for so many items, Dave.

Simon · Jul 10, 2009, 23:49:28

I used to have a card with a low limit specifically for online purchases, but now I just use my regular card. I am careful where I buy from, and tend to stick to the same retailers. I don't particularly worry about my card being defrauded. If it happens, it happens. All it means to me is the inconvenience of having to cancel the card and wait for a new one, especially if I have pending orders. The banks cover for fraud, so I know I won't be out of pocket.

Sebby · Jul 11, 2009, 00:31:09

I think very much the same way, Simon.

Baz · Jul 11, 2009, 07:26:58

great advice thanks.If you have had fraud on your card did you ever find out how and where it was got at, thats what bothers me the most.Looking at statements from this account there were some transactions BEFORE the dodgy ones that make me wonder about where/who got the details, as you mention we also try to stick with good companies online but when sometimes you find a new one,you use them and then this happens, it puts so much doubt in your mind about them.

is it possible to find out the cause of it or do the banks or investigators not say

Gary · Jul 11, 2009, 07:38:02

Quote from: Baz on Jul 11, 2009, 07:26:58
great advice thanks.If you have had fraud on your card did you ever find out how and where it was got at, thats what bothers me the most.Looking at statements from this account there were some transactions BEFORE the dodgy ones that make me wonder about where/who got the details, as you mention we also try to stick with good companies online but when sometimes you find a new one,you use them and then this happens, it puts so much doubt in your mind about them.

is it possible to find out the cause of it or do the banks or investigators not say

We have had cards used I think three times without our consent, each time we were never told how and by whom, I narrowed it down to a list of subjects, but you never know, the credit card companies never divulge that information sadly, well they never had to us and I had over £1000 taken out on my American Express.

Simon · Jul 11, 2009, 12:27:46

Yes, it would be really useful if the CC company divulged where the breach came from, but I guess there's all sorts of litigation issues around that.

colonelsun · Jul 11, 2009, 18:19:29

If your cards are compromised or stolen please know that Barclaycard are a joke when it's time to report the loss. I spent 5 minutes with phone menus only to be told that i was in the wrong area, when i finally got to the stage of reporting the loss of my details....i was in India, apparently, and had to spell out every letter of every word, that took a further 25 minutes. I couldn't understand a word being said and the whole experience was upsetting as i had no idea of knowing if i had been understood.

With my Halifax card it took literally 4 minutes, i spoke to someone born in the UK and they were very helpful.

Ironically i'm suing Barclaycard for a mis-sold insurance and they're even slower regarding that.

Rik · Jul 11, 2009, 18:23:36

I found Barclaycard useless too, Dave, until I got the phone number of a UK-based unit. ATM, I'm finding Capital One good.

Simon · Jul 11, 2009, 19:32:24

No complaints about the Halifax from me either.