Card skimmed in Tesco!!!!

Ally Dick · 18-04-2017 7:51pm #1

Just had a large ATM withdrawal on the account for an odd amount (214 euro) that neither me nor my wife made. Rang BOI ATM fraud crowd and they checked it out. Transaction done in Australia today from HSBC machine. A cash card transaction they say. The person in ATM control told me that it is likely that the card was skimmed at a Tesco that we use, at the self service machine. He said that a skimming device had been reported there and that several customers had been debited for large amounts. That's a new one on me. I thought outside ATMs were common enough, but never in a busy supermarket, at the self service area no less!

DopeTech · 18-04-2017 7:52pm

Ally Dick wrote: »

Just had a large ATM withdrawal on the account for an odd amount (214 euro) that neither me nor my wife made. Rang BOI ATM fraud crowd and they checked it out. Transaction done in Australia today from HSBC machine. A cash card transaction they say. The person in ATM control told me that it is likely that the card was skimmed at a Tesco that we use, at the self service machine. He said that a skimming device had been reported there and that several customers had been debited for large amounts. That's a new one on me. I thought outside ATMs were common enough, but never in a busy supermarket, at the self service area no less!

Must have been a neat device to not get clocked by the staff.

ED E · 18-04-2017 7:54pm

FrostyJim wrote: »

Must have been a neat device to not get blocked by the staff.

Not at my local tesco...

TheChizler · 18-04-2017 8:12pm

I can't imagine how it works, skimming usually involves reading the magnetic stripe, you're not going to be doing that at a self service till normally. Possibly NFC but I'm not sure how they'd hide the antenna on the terminal and not have it interfere with the terminal itself.

Atlantic Dawn · 18-04-2017 9:06pm

Doesn't really add up, if your card was skimmed then the data for the card would have been copied, the PIN would not have been, how did the person in Australia get hold of the PIN and use it to withdraw from a HSBC ATM?

Ally Dick · 18-04-2017 9:12pm

Atlantic Dawn wrote: »

Doesn't really add up, if your card was skimmed then the data for the card would have been copied, the PIN would not have been, how did the person in Australia get hold of the PIN and use it to withdraw from a HSBC ATM?

I dunno. I am just going on what I was told by the guy in ATM security section

Atlantic Dawn · 18-04-2017 9:15pm

Happened me once and I was not satisfied with the explanation I got from my bank, basically no explanation as to how the transaction could have been completed without the PIN, in the end it went down to me signing a doc to say I didn't make the transaction and money refunded. Left a sour taste though that the bank didn't appear to want to give me any information as to how the card was compromised and my money to a degree stolen due to weakness on their end.

CeilingFly · 18-04-2017 9:17pm

Stores in USA have skimming devices attached regularly - the new Primark in King of Prussia mall was one and it was 3 months before it was noticed. The skimming devices are very small these days and would not look out of place unless you know what you are looking for.

Sometimes it takes an issue to appear before its realised it can happen.

Car park pay machines and ticket collection machines at train stations are also a target in the UK for skimming.

wordofwarning · 18-04-2017 9:20pm

CeilingFly wrote: »

Stores in USA have skimming devices attached regularly - the new Primark in King of Prussia mall was one and it was 3 months before it was noticed. The skimming devices are very small these days and would not look out of place unless you know what you are looking for.

Sometimes it takes an issue to appear before its realised it can happen.

Car park pay machines and ticket collection machines at train stations are also a target in the UK for skimming.

How cards are used in the US and the rest of the world is not comparable. The US refuses to use chip and pin. In Ireland, we use chip and pin. The chip changes its code constantly, where as the info on a swipe card is static. You should not be able to skim a chip

My guess is the card was skimmed in an ATM machine.

Ally Dick · 18-04-2017 9:31pm

The Fraud team are to contact me over the next few days, and I will ask them for further clarification, in so far as they can

HeidiHeidi · 18-04-2017 9:36pm

Are you allowed to name the Tesco in question?

I normally try to steer clear of them, but I'd definitely like to stay away from that one!

Ally Dick · 18-04-2017 9:47pm

I wouldn't like to say...but it is in Dublin 5...

STB. · 18-04-2017 10:06pm

Ally Dick wrote: »

I wouldn't like to say...but it is in Dublin 5...

If a skimming device had been reported the security boys may have to go through a lot of CCTV recordings to find the culprits who attached it.

Artane Castle have an ATM beside the self service area ?

TheChizler · 18-04-2017 10:17pm

Card information could possibly be got from NFC and maybe there was a camera for the pin? There's some new research where it's been shown an app can use the accelerometer and rotation sensor in your phone to accurately measure keystrokes. I can see this being used in handheld terminals theoretically.

Ally Dick · 18-04-2017 10:19pm

STB. wrote: »

If a skimming device had been reported the security boys may have to go through a lot of CCTV recordings to find the culprits who attached it.

Artane Castle have an ATM beside the self service area ?

The ATM wasn't used

STB. · 18-04-2017 10:56pm

Ally Dick wrote: »

The ATM wasn't used

The Ingenico POS card device was compromised ?

How did no one notice that being fitted.

BuffyBot · 19-04-2017 9:33am

Sounds like "here's something off the top of my head to re-assure the customer".

The real investigators aren't the people on the phone. You're just talking to the call centre, and the agent is either speculating or just trying to sound soothing. Either is better than a "got no clue, mate" response.

Ally Dick · 19-04-2017 9:50am

BuffyBot wrote: »

Sounds like "here's something offer he top of my head to re-assure the customer".

The real investigators aren't the people on the phone. You're just talking to the call centre, and the agent is either speculating or just trying to sound soothing. Either is better than a "got no clue, mate" response.

Yeah probably. If a skimmer is spotted by staff and removed, can a card be cloned remotely anyway?

irishgeo · 19-04-2017 9:55am

STB. wrote: »

The Ingenico POS card device was compromised ?

How did no one notice that being fitted.

one of the staff could have done it.

endofrainbow · 19-04-2017 9:59am

I'm surprised that the Fraud Unit revealed that others had been skimmed at the same location

Pat Mustard · 19-04-2017 10:03am

Atlantic Dawn wrote: »

Doesn't really add up, if your card was skimmed then the data for the card would have been copied, the PIN would not have been, how did the person in Australia get hold of the PIN and use it to withdraw from a HSBC ATM?

The guy in Australia isn't the guy to get the PIN.

The guy who installed the card reader at the ATM could have done so, possibly.

He could use a small, discreet camera at the ATM to record the PIN or else he could observe from another vantage point, remotely or otherwise.

Ally Dick · 19-04-2017 10:09am

Another thing which is not adding up....on Monday last, my wife was in a pub having lunch and on paying, the waitress went off with the card away from view before returning with it to put in the reader. Would this be a more likely culprit? I only found this out when discussing the large withdrawal with my wife

TheChizler · 19-04-2017 10:24am

Ally Dick wrote: »

Another thing which is not adding up....on Monday last, my wife was in a pub having lunch and on paying, the waitress went off with the card away from view before returning with it to put in the reader. Would this be a more likely culprit? I only found this out when discussing the large withdrawal with my wife

This is why I've stopped giving my card to people while paying for things. There's no reason for them to handle your card these days.

jonon9 · 19-04-2017 10:31am

Ally Dick wrote: »

Another thing which is not adding up....on Monday last, my wife was in a pub having lunch and on paying, the waitress went off with the card away from view before returning with it to put in the reader. Would this be a more likely culprit? I only found this out when discussing the large withdrawal with my wife

Never give your card to anybody, always say may I have the card device for paying please.

irishgeo · 19-04-2017 10:31am

Ally Dick wrote: »

Another thing which is not adding up....on Monday last, my wife was in a pub having lunch and on paying, the waitress went off with the card away from view before returning with it to put in the reader. Would this be a more likely culprit? I only found this out when discussing the large withdrawal with my wife

This is more likely. I'll be highlighting this with the bank.

DublinWriter · 19-04-2017 10:32am

Ally Dick wrote: »

Another thing which is not adding up....on Monday last, my wife was in a pub having lunch and on paying, the waitress went off with the card away from view before returning with it to put in the reader. Would this be a more likely culprit? I only found this out when discussing the large withdrawal with my wife

Sounds much more likely.

There was a case a few years ago whereby 'engineers' came into the branch of a large multiple under the presence of servicing the tills, but installed tiny devices to harvest card details which called an ISP and once a day to upload the details onto an FTP server.

Ally Dick · 19-04-2017 10:34am

irishgeo wrote: »

This is more likely. I'll be highlighting this with the bank.

I did, and he dismissed it as unlikely

jonon9 · 19-04-2017 10:38am

Ally Dick wrote: »

I did, and he dismissed it as unlikely

No disrespect to the guy in the phone but his a Moron to think that. Anything is possible with today's tech I would have ask to speak with someone else.

Suckit · 19-04-2017 10:45am

Ally Dick wrote: »

Another thing which is not adding up....on Monday last, my wife was in a pub having lunch and on paying, the waitress went off with the card away from view before returning with it to put in the reader. Would this be a more likely culprit? I only found this out when discussing the large withdrawal with my wife

This was a well known thing a few years ago, especially after it appeared on this show:

https://www.youtube.com/watch?v=GyhUvACnXkQ

CeilingFly · 19-04-2017 3:41pm

wordofwarning wrote: »

How cards are used in the US and the rest of the world is not comparable. The US refuses to use chip and pin. In Ireland, we use chip and pin. The chip changes its code constantly, where as the info on a swipe card is static. You should not be able to skim a chip

My guess is the card was skimmed in an ATM machine.

USA has moved to chip cards and most stores have chip enabled machines installed. PIN is not used widely and most still prefer signature. It means that data can be skimmed from a chip reader and used fairly easily.

For the OP, its no use trying to discuss the issue with the bank, there's plenty of card skimming going on and you are just one of probably hundreds they deal with every week. My attitude is that once I'm not out of pocket, and once I know I wasn't at fault, then how they deal with the fraud is not my concern.

Ally Dick · 19-04-2017 4:06pm

CeilingFly wrote: »

USA has moved to chip cards and most stores have chip enabled machines installed. PIN is not used widely and most still prefer signature. It means that data can be skimmed from a chip reader and used fairly easily.

For the OP, its no use trying to discuss the issue with the bank, there's plenty of card skimming going on and you are just one of probably hundreds they deal with every week. My attitude is that once I'm not out of pocket, and once I know I wasn't at fault, then how they deal with the fraud is not my concern.

Yes. I agree. I was on the ball quickly to report it, so the bank should refund me. Also the other half's visa card is now cancelled so a brief reprieve from her spending! I am curious as to how it happened. I'm shocked if it happened in Tesco

STB. · 19-04-2017 7:41pm

Ally Dick wrote: »

I did, and he dismissed it as unlikely

Its very common.

I know of one restaurant that wasnt aware that one of there employees had a spare machine in the restaurant until an eagle eyed customer caught them.

And its more likely than POS sale machine mounted at the self service till in tescos.

MilaM · 21-04-2017 2:24pm

Same thing happened to me last Saturday. For same amount! I was told about tesco but I don't have any tesco transactions on this account. I did however took cash out of the local tesco ATM (ulster bank) and I can see them as out of order today. Out of order sign above the screen but the actual screen seem up and running

My last transaction on this card was 30th of March, and I wonder would they wait for so long?

MilaM · 21-04-2017 2:30pm

I don't think it happened in tesco, but that's what the fraud departement told me. My bank have applied replacement card charge, so even if I get the 214 back (exactly same amount and same story!) I am still 8 down but I guess it could be worse

I would love to know when was it skimmed for sure. M

Ally Dick · 21-04-2017 2:48pm

Don't hold your breath on getting a response from fraud. Any time it's ever happened me before, I've received a refund but not an explanation. They never even asked me for my contact details for gods sake!!!

MilaM · 21-04-2017 2:52pm

I am a first timer. Horrible feeling!

Skatedude · 21-04-2017 3:00pm

Ally Dick wrote: »

Yeah probably. If a skimmer is spotted by staff and removed, can a card be cloned remotely anyway?

Yes, you can skim a card up to a few feet away, no need to attach anything to the atm.

It's the same tech that buildings can use for security cards that you just need to wave the card near the sensor. You could modify the sensor connected to a laptop in a bag and simply walk down a busy street skimming people walking by.

But you dont get the pin without a hidden camera at a checkout or atm. but you dont need the pin to buy stuff in some countries.

ED E · 22-04-2017 2:00pm

Skatedude wrote: »

Yes, you can skim a card up to a few feet away, no need to attach anything to the atm.

It's the same tech that buildings can use for security cards that you just need to wave the card near the sensor. You could modify the sensor connected to a laptop in a bag and simply walk down a busy street skimming people walking by.

But you dont get the pin without a hidden camera at a checkout or atm. but you dont need the pin to buy stuff in some countries.

My understanding is that such a skim will only validate a single transaction, its not a clone as such.

delly · 22-04-2017 2:13pm

Any reason why the location is being kept off the thread, it's not like it's a case of slandering someone, it was a reported fact from the bank themselves. I have family in D5, I'd like to give them the heads up.

TheChizler · 22-04-2017 2:21pm

ED E wrote: »

My understanding is that such a skim will only validate a single transaction, its not a clone as such.

It's possible to get the card number name and expiry date over NFC, am I right in saying this is enough to clone an ATM card if you can get the PIN by other means?

Do all ATMs use chip and pin these days?

Ally Dick · 22-04-2017 2:28pm

It was Tesco Artane Castle...supposed to be a self service checkout...but there was also an incident with a bar girl who disappeared with the card in a pub in Chapelizod around the sane time. To me that was more suspect. However I am also conscious of the other person who was also told that their hack was in Tesco

frags · 02-05-2017 3:10pm

Hi same happened me. Call from ptsb the girl on phone said it was atm outside which I used to regularly use. My next door neighbour was also done apparently lots of people affected.

Ally Dick · 02-05-2017 3:21pm

frags wrote: »

Hi same happened me. Call from ptsb the girl on phone said it was atm outside which I used to regularly use. My next door neighbour was also done apparently lots of people affected.

I would think it is nearly always an ATM. Can't see how they would manage it on an indoor device in a busy shop

Card skimmed in Tesco!!!!

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