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cushion
Posts 692
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17/06/2012 22:03:55
I'd forgotten about this thread. Since my incident with 'du' I have never had a problem with my HSBC credit card, the text message service is fantastic.
Incidently I do not have a bank account with HSBC but use their c card as they didn't ask me to provide a blank security cheque as most other banks do, that makes me really nervous.
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Loukoum
Posts 878
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17/06/2012 20:37:33
Many thanks to those who responded and very happy to know that HSBC is good at dealing with credit card fraud. I indeed got in touch with them right after I received the SMS that this fraudulent transaction had gone through and they cancelled the card on the spot.
It spooked me out but my friends in the US have had it happen to their cards three times the year before last.
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Zannie
Posts 5052
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17/06/2012 08:44:54
Loukoum wrote:
Got a SMS earlier tonight that my credit card was used for a (fraudulent) transaction of GBP 600 in the UK, while I am here in Dubai.
I immediately called my bank H**C and cancelled my credit card, as well as filled & sent a form to contest the transaction.
Does anyone know whether I will have to pay this amount I am contesting or generally what happens after I cancelled the card and filled the forms?
TIA
No, we've had this happen a few times with our HSBC card, and they have been brilliant. They usually credit the card within a couple of weeks. When at the bank after this happening to us, the manager told me he blacks out the Security Number on the back of he card. He said you'll obviously need to make a note of it if you want to buy anything online, however, using the card in shops, restaurants etc, they don't need the number and where most opportunity is for staff to copy the card. Without the security number, any opportunists will find it hard to clone the card.
Also, most fraudulent transactions start with a very small amount to 'test' the card. We had one transaction for $1 followed with another for $1400 within seconds. We had a text, but HSBC rung us immediately to check it was us or a fraudulent transaction. Luckily on this occasion they were able to stop the transaction in process and cancelled our cards. They're very on the ball!
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spongemonkey
Posts 20942
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17/06/2012 06:35:09
Loukoum wrote:
Got a SMS earlier tonight that my credit card was used for a (fraudulent) transaction of GBP 600 in the UK, while I am here in Dubai.
I immediately called my bank H**C and cancelled my credit card, as well as filled & sent a form to contest the transaction.
Does anyone know whether I will have to pay this amount I am contesting or generally what happens after I cancelled the card and filled the forms?
TIA
You normally don't as you have notified quickly.....
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busybee2
Posts 10387
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17/06/2012 01:28:41
Loukoum wrote:
Got a SMS earlier tonight that my credit card was used for a (fraudulent) transaction of GBP 600 in the UK, while I am here in Dubai.
I immediately called my bank H**C and cancelled my credit card, as well as filled & sent a form to contest the transaction.
Does anyone know whether I will have to pay this amount I am contesting or generally what happens after I cancelled the card and filled the forms?
TIA
this happened to a friend, and she only knew something was wrong because of the sms system, if its is not sent to the fraudelent section of the bank then you will have to wait 10 days i think.
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SkyKitty
Posts 1491
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17/06/2012 01:11:59
I have SMS security on my Australian bank accounts. It will text me a code whenever I send any amount to an account which is not mine or linked to my account. I can have the bank pre-approve certain billers (e.g. phone company etc) but those are all manually initiated by me. So they can nick money if they want but they can only send it to people I owe money to anyway, effectively paying my bills! LOL...
Of course this isn't very good if you're one of those people who loses your phone all the time, but the online banking gives you the option to disable this and then change your password if you need to, until you can register another number. They have just sent me an email about something called "Voice Security" which sounds interesting...
On a few occasions the NBD texts have proved my case when H&M's eftpos machine keeps deducting amounts twice (usually on weekends) and they swear they only swiped it once!
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Loukoum
Posts 878
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17/06/2012 00:57:30
Got a SMS earlier tonight that my credit card was used for a (fraudulent) transaction of GBP 600 in the UK, while I am here in Dubai.
I immediately called my bank H**C and cancelled my credit card, as well as filled & sent a form to contest the transaction.
Does anyone know whether I will have to pay this amount I am contesting or generally what happens after I cancelled the card and filled the forms?
TIA
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Grumpy
Posts 1737
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19/04/2011 21:02:38
Have had this happen four times here, had nothing but excellent service from mashreq to sort it out. Another story with my UK issued Amex charge card, it was cloned and used to buy a new car in Brussels, whilst I was in Paris. The cloned amount was over £12k, imagine the shock when that bill came in!
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RebeccaS
Posts 425
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19/04/2011 20:40:26
Yes, had 38,000 spent in one day in 5 transactions two weeks ago! Still have the card in my possession and they were all done in Mall of the Emirates. Card is still in my possession. My bill is never that much, bank never flagged it AND they raised our credit limit for some crazy reason.
Bank told me not to pay it, they will probable remove it from our account whilst it is being investigated. Hopefully they will find in our favour and we won't have to pay.
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cushion
Posts 692
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19/04/2011 18:02:49
nesca77 wrote: cushion wrote:
I had my credit card swiped by Du twice within minutes for 500 dhs each time back in February. HSBC flagged this as fraud and blocked my card. Now trying to get Du to pay me back my 1000 dhs but that's another whole story!!! Grrrrr..... Oh my God, this is same story that has happened to me just recently!! Someone stole the details of my card and was making purchases at DU for 1,000 dhs each, every few seconds until they cleared my account completely... Filed 2nd complaint with NBAD and they are hopeless, they say I need to wait 30-45 working days for the matter to resolve...
I, probably mistakenly, am trying to get Du to pay me back and credit the amount towards my bill but that's a nightmare. Have been to office with cc bill to show them transaction took place and now every time I phone customer care I get the same line 'I will escalate your complaint and someone will call back in 24 hours'. No one calls me so I phone them again and get the same fob off line. I've written to 7 days today. Might get arrested now...
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nesca77
Posts 105
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19/04/2011 15:38:28
cushion wrote:
I had my credit card swiped by Du twice within minutes for 500 dhs each time back in February. HSBC flagged this as fraud and blocked my card. Now trying to get Du to pay me back my 1000 dhs but that's another whole story!!! Grrrrr.....
Oh my God, this is same story that has happened to me just recently!!
Someone stole the details of my card and was making purchases at DU for 1,000 dhs each, every few seconds until they cleared my account completely...
Filed 2nd complaint with NBAD and they are hopeless, they say I need to wait 30-45 working days for the matter to resolve...
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Appletiser
Posts 7133
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19/04/2011 14:30:24
Thanks majraw! Will be more alert now. Cant believe they tried it at a pizza joint with you in front of them!
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majraw
Posts 28
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19/04/2011 14:20:20
Sorry for the long post, I got one of those round robin emails recently with the following stories about credit card fraud. No answers for those struggling with the banks but cautionary tales to make us more alert.........
SCENE 1.
A friend went to the local gym and placed his belongings
in the locker. After the workout and a shower, he came out,
saw the locker open, and thought to himself, 'Funny,
I thought I locked the locker..
Hmm, 'He dressed and just flipped the wallet to make
sure all was in order.
Everything looked okay - all cards were in place...
A few weeks later his credit card bill came -
a whooping bill of £14,000!
He called the credit card company and started
yelling at them, saying that he did not make
the transactions.
Customer care personnel verified that
there was no Mistake in the system and asked
if his card had been stolen..
'No,' he said, but then took out his
wallet, pulled out the credit card, and yep -
you guessed it - a switch had been made.
An expired similar credit card from
the same bank was in the wallet.
The thief broke into his locker at the gym
and switched cards.
Verdict: The credit card issuer said since
he did not report the card missing earlier,
he would have to pay the amount owed
to them.
How much did he have to pay for items
he did not buy?
£9,000! Why were there no calls made to
verify the amount swiped?
Small amounts rarely trigger a 'warning bell'
with some credit card companies.
It just so happens that all the small amounts
added up to big one!
============================
SCENE 2.
A man at a local restaurant paid for his meal
with his credit card.
The bill for the meal came, he signed it and
the waitress folded the receipt and passed the
credit card along.
Usually, he would just take it and place it in his
wallet or pocket. Funny enough, though, he
actually took a look at the card and, lo and
behold, it was the expired card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to
the counter under the watchful eye of the man.
All the waitress did while walking to the counter
was wave the wrong expired card to the counter
cashier, and the counter cashier immediately
looked down and took out the real card.
No exchange of words --- nothing! She took
it and came back to the man with an apology..
Verdict:
Make sure the credit cards in your wallet are yours.
Check the name on the card every time you
sign for something and/or the card is taken
away for even a short period of time.
Many people just take back the credit card without
even looking at it, 'assuming' that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT
OF CHECKING YOUR CREDIT CARD EACH TIME
IT IS RETURNED TO YOU AFTER A TRANSACTION!
==========================
SCENE 3:
Yesterday I went into a pizza restaurant to
pick up an order that I had called in.
I paid by using my Visa Check Card which, of
course, is linked directly to my checking
account.
The young man behind the counter took my
card, swiped it, then laid it on the counter as
he waited for the approval, which is pretty
standard procedure..
While he waited, he picked up his cell phone
and started dialing.
I noticed the phone because it is the same
model I have, but nothing seemed out of the
ordinary. ? Then I heard a click that sounded
like my phone sounds when I take a picture.
He then gave me back my card but kept the
phone in his hand as if he was still pressing
buttons.
Meanwhile, I'm thinking: I wonder what he
is taking a picture of, oblivious to what was
really going on.
It then dawned on me: the only thing there
was my credit card, so now I'm paying close
attention to what he is doing..
He set his phone on the counter, leaving it
open.
About five seconds later, I heard the chime
that tells you that the picture has been saved.
Now I'm standing there struggling with the
fact that this boy just took a picture of my credit card.
Yes, he played it off well, because had we not
had the same kind of phone, I probably would
never have known what happened.
Needless to say, I immediately cancelled
that card as I was walking out of the pizza
parlor..
All I am saying is, be aware of your
surroundings at all times.
Whenever you are using your credit card
take caution and don't be careless.
Notice who is standing near you and what
they are doing when you use your card.
Be aware of phones, because many have a
camera phone these days.
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Appletiser
Posts 7133
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19/04/2011 14:08:43
Mashrq is quite good with preventing CC fraud. Maybe time to change banks?
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floppy123
Posts 165
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19/04/2011 13:56:03
I believe there is a protection plan you can buy from the bank that will guarantee a 48hour window before you are liable for any of the charges in case the card is lost or stolen.
I do not have the plan as of now, thanks to DH's procrastination. But I am keen to get on the plan asap. Does anyone know how much it costs and how exactly does the plan work?
Also it seems from what I read here, the bank is actually refunding to you the fraud charges? I thought here in the UAE you would be liable for any charges before you inform the bank and they freeze the card? I read that from local newspaper sometime ago.
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cushion
Posts 692
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19/04/2011 13:20:32
I had my credit card swiped by Du twice within minutes for 500 dhs each time back in February. HSBC flagged this as fraud and blocked my card. Now trying to get Du to pay me back my 1000 dhs but that's another whole story!!! Grrrrr.....
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emlsnre
Posts 2153
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19/04/2011 13:03:23
It is annoying and very frustrating... Haven't had it happen here, but we were in France one year and so had used the card there. When we got home, I was expecting a larger than average bill as we'd been on hols, but when I looked at it closely a total of £2500 over a 4 day period had been taken in Canada!! I would have expected them to twig that if the card was being used in France that it wouldn't also be able to be used in a different country the same day!
Long and short of it was that we had to pay for it and then claim it back. It was painful and toof about 2 months, as the first payment they returned we had lost out on due to the difference in exchange rates... clearly it is something Amex aren't used to dealing with.
Similar happened to my father, but his was with VISA and they were superb called him as they'd seen he'd used it in the UK and then it had been used in Malaysia the same day. Didn't have to pay a penny...
Best of luck with it all.
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Crafty
Posts 307
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19/04/2011 12:57:26
Has anyone else had credit card fraud?
This is the third time in the past 6 months that we have had to cancel our credit cards due to fraud, the card being used in American, Europe and now Asia.
This time my husband was away and received the text from the bank to say that our card had been used. He realised that it was not ours and called me to sort it out. It was 1am here, I called the bank and I explained the situation. They were not interested because I was nto the primary card holder.
When he returned we went to the branch to sort it out. After a very frustrating excercise, filling in forms and speaking to the phone banking sections and hour was wasted. On the way home he received another message to say that the card had been used again. The process started all over again, back to the bank to fill more forms in. We were advised that it would take 90 days to have it removed from our Card.
Any one else dealing with issues like this?
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