Fraud from scam call

Cork2021

hi does anyone know what happens after a fraud investigation takes place after your bank card has been compromised? My account got done today for a nice few euro from scammers. Do you get that money back? It was a debit card from BOI

grinder23

Depends on the type of fraud and how access was gained to your card

Know of someone recently where they allowed the scammers access to their banking app and money was quickly transferred out

Bank had done nothing wrong and couldn't recover the money so that was it no money back

Fishdoodle

Once your card has been cancelled, fraud team investigates to figure out if it’s genuinely fraud. Once that’s established they can credit your account via visa/mastercard chargeback. There’s no set time period for refunds, but usually within about 4 months maximum - generally far sooner. Depends also factors such as whether you willingly gave access to your account, reciepts/correspondance might be needed. And no guarantee of getting full amt back. Reporting fraud asap helps a lot in order to get credited.

Presume it was ‘card security’ (scam)ringing that your account was comprimised. Happening a lot nowadays! Hope it works out 🤞

Btw
-To access cash you need to go to a branch while new card is sent out

Cork2021

https://www.boards.ie/discussion/comment/123435192#Comment_123435192

yeah it was card security scam, I withdrew the money to my Revolut so have access to my money while 365 is restricted.

Fishdoodle

https://www.boards.ie/discussion/comment/123435203#Comment_123435203

Smart thinking with the Revolut! Friend of mine had fraud transactions from his current acc recently - no idea how it happened! Pretty much everyone is being phished/scammed (attempts at the least)nowadays -harder to tell whats real vs fake! Awful feeling when it happens too -hope you feel ok and get to clear the head 🙂

Cork2021

https://www.boards.ie/discussion/comment/123435217#Comment_123435217

I should get mine back as I’ve Apple Pay that’s obvious on my statements , it was Google pay used when they started to take money

Fishdoodle

https://www.boards.ie/discussion/comment/123435225#Comment_123435225

-Banks nowadays set delays on money going through so hopefully you get it all back.

Cork2021

https://www.boards.ie/discussion/comment/123435235#Comment_123435235

left my account though?

893bet

as long as you didn’t approve the payments via 2FA you will be ok I would say.

martingriff

https://www.boards.ie/discussion/comment/123435203#Comment_123435203

Happened to me a month or 2 same thing as you money taken by Western union gave too much so had to transfer some back by revolut.

Did you transfer more then once. I did. I did not get the 1st back

Cork2021

https://www.boards.ie/discussion/comment/123435395#Comment_123435395

yeah that’s true, out of 7 transactions within one hour only 2 didn’t go through. I’ll be interested to see what comes of it

Cork2021

https://www.boards.ie/discussion/comment/123435447#Comment_123435447

I only transferred from my main current account into my other boi i account, I was lucky I had that set up for apple pay, was able to transfer then to Revolut. I took everything out including my overdraft so it’s empty altogether until it gets sorted

martingriff

https://www.boards.ie/discussion/comment/123435554#Comment_123435554

They might say you did it willing unfortunately

Jim2007

https://www.boards.ie/discussion/comment/123435603#Comment_123435603

I'm not sure, but I think he may be describing what he did after the incident…

@Cork2021 You need to give us a clear description of the incident, if you hope to get some useful information.

Cork2021

https://www.boards.ie/discussion/comment/123436889#Comment_123436889

got a phone call from a Dublin number stating to be bank of Ireland card security Friday night, they mentioned two transactions that were attempted on my card in Galway. Obviously I said it wasn’t me. They then mentioned the last 4 digits of my debit card and sent a message to my phone which was a legitimate BOI message for a code to Google pay! (To re set it up for myself this was stupid of me)This is where I **** up! I gave them the code! I’m Apple Pay!! It was late and I thought no more of it until I got notifications about self pay early yesterday afternoon. BOI text me saying there was suspicious activity and was it me and I said no. They rang immediately and cancelled my the debit card that was compromised. I have another current account with BOI so transferred all funds into that and then transferred them to Revolut as my 365 needed a new pin and that’s shut until I get that pin in the post.

In total there was 7 transactions attempted 5 got through BOI caught 2 and I got that money back straight away. The others amount to just over €300.

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Madd002

To be honest I'm not surprised their scams are getting more sophisticated. Doesn't help that they've moved their call centres to India where let's face it our details will eventually be compromised. I had an issue recently and called and I was told they couldn't help me I asked what their purpose was and they said sorry maam I can't help, I asked to speak to an supervisor sorry maam they have the same answer, so after taking a half day off work to go to a branch where there is no staff only a meet and greet and shown to the customer service desk who couldn't help. Was told to ring customer services. I was angry and had enough and closed my account as I had enough at that stage . Opened a current account with credit union down the street with actual members of staff that interact with and want to help, after being a bank customer for 30yrs I don't think I'll go back.

fritzelly

https://www.boards.ie/discussion/comment/123436928#Comment_123436928

Lesson for everyone here - if your "bank" calls you then hang up and call the number on the card or from a statement etc (don't trust a Google search) and never give anyone a pin # sent by text

Take it as granted your details have been leaked and scammers have them including your full name, address, DOB etc