So I logged into my online banking this morning to discover most of my pay is GONE, and two large pending transactions on my account.
Some thieving scumbag has used my card details (VISA debit) to make unauthorised purchases. This is not a 'credit' card, this is my freaking income that has been stolen
My bank is ING and I immediately called them to cancel the card, but it could take weeks to get the money back (I've just lodged a dispute transaction form).
Gah, this is awful
Has anyone had a similar thing happen, and if so, how long did it take for you to get the transactions refunded?
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16-09-2015 09:10 #1
Visa debit skimmed - anyone experienced this?
16-09-2015 09:22 #2
Oh thats horrible!! Hope they are able to get your money back asap!
We have had it happen before- some 'photography' company tried taking a fairly large amount out of our account (we have debit cards as well)- the bank picked up on it before we did and notified us, they froze the account immediately until they confirmed we authorised it or not. Was very grateful!
A few times we have had unauthorised direct debits come out (things we had authorised but they took a lot more than we authorised), the bank was on it as soon as we called and refunded our money. They said it would take a few weeks but was back in our bank the same day.
16-09-2015 09:22 #3
16-09-2015 09:26 #4
Oh no! Not nice at all 😱
My only experience with fraudulent use was when my handbag was stolen (my phone was in the bag so had to wait till I could get in touch with DH to cancel cards). So in 30 mins they went PayPass mad...but weirdly most of the transactions where for 30c items??? I mean what were they buying? Freddo Frogs?
The bank was pretty good with refunding (except for one transaction weirdly) but it did take about 3 weeks all up. Annoying but it was just refunded to our credit card. Heaps worse for you as they used your actual money so you can't even access that!
I really hope the bank moves fast for you! Do you have any idea where your details got skimmed?
16-09-2015 09:29 #5
I just googled the name of one of the purchases and it's a gun shop in America that doesn't ship internationally.
I also feel an extra level of suspicion now, as they have hit up my bank account within a very short time frame of my pay going in. If anyone could see my banking patterns, they would know that on Wednesday mornings my account balance significantly decreases as I pay all my bills.
I feel really vulnerable.
16-09-2015 09:31 #6
Timing does seem suspicious doesn't it!
16-09-2015 09:31 #7
16-09-2015 09:33 #8
Also a thought - if you have any direct debits coming out of that account it may be an idea to contact the companies to postpone or delay transactions until you have funds as you don't need rejection fees on top of this!
16-09-2015 09:35 #9
16-09-2015 09:38 #10
Mine was skimmed but luckily the bank caught it before I did with an odd overseas transaction. They didn't release the funds.
I hope you get your funds returned quickly. In the meantime change all your online passwords, banking and anything linked - ie. PayPal.
If you bank on your computer run scanning software to ensure there is no malicious software downloaded accidentally on the machine.
If you are feeling really vulnerable change banks (if that is an option) and start with a clean slate.
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