Money taken from bank account. Pretty sure my card wasn't skimmed. How?

Jimmy Garlic · 14-02-2014 07:45PM #1

How can this happen? I noticed some fairly big payments that I didn't make going out of my bank account to software and web hosting companies . Reported it as soon as I saw it to my bank (very helpful) and it is being dealt with.

I can't wrap my head around how it was done. I rarely use the card as it is not my main bank account. The last time I used an atm with it was weeks ago and I always check atms before I use them. I never use the card in shops etc.

Basically all I use the account for is to pay for stuff online. Via ebay/paypal mostly, and the odd direct transfer.

Can anyone tell me how this was done? i'm puzzled.

Specialun · 14-02-2014 07:47PM

Virus on your pc lad

Much taken?

Cee-Jay-Cee · 14-02-2014 07:48PM

Your online account or paypal account may have been hacked. Change all passwords and security questions for any account associated with your bank cards/accounts.

El Weirdo · 14-02-2014 07:48PM

Jimmy Garlic wrote: »

How can this happen? I noticed some fairly big payments that I didn't make going out of my bank account to software and web hosting companies . Reported it as soon as I saw it to my bank (very helpful) and it is being dealt with.

I can't wrap my head around how it was done. I rarely use the card as it is not my main bank account. The last time I used an atm with it was weeks ago and I always check atms before I use them. I never use the card in shops etc.

Basically all I use the account for is to pay for stuff online. Via ebay/paypal mostly, and the odd direct transfer.

Can anyone tell me how this was done? i'm puzzled.

Just sign up to my new website (www.elweirdoforums.ie) and I'll tell you.

Jimmy Garlic · 14-02-2014 07:48PM

Specialun wrote: »

Virus on your pc lad

Much taken?

A good few hundred. I use an Ipad for online transactions though.

knarkypants · 14-02-2014 07:48PM

Jimmy Garlic wrote: »

the odd direct transfer.

Did you send it to a nigerian prince by any chance?

Jimmy Garlic · 14-02-2014 07:51PM

knarkypants wrote: »

Did you send it to a nigerian prince by any chance?

No princes or deposed presidents in exile.

MonstaMash · 14-02-2014 07:51PM

Keylogger trojan/virus...

A keylogger is malicious software that collects confidential information like bank password numbers, security numbers & credit card details on infected computers.

The Backwards Man · 14-02-2014 07:52PM

El Weirdo wrote: »

Just sign up to my new website (www.elweirdoforums.ie) and I'll tell you.

My mother warned me about guys like you.

http://whois.domaintools.com/elweirdoforums.ie

Staplor · 14-02-2014 07:55PM

Was "op" in the narrative? Originator plus, basically they can do direct debit without your approval. I had it come up on a work bank account, if it is that your bank can rectify in a day.

BNMC · 14-02-2014 07:58PM

Goooood afternoon Sir.

I am the manager of Bank of Nigeria. If you can PM me your bank account details I'll look into this for you.

MonstaMash · 14-02-2014 08:00PM

BNMC wrote: »

Goooood afternoon Sir.

I am the manager of Bank of Nigeria. If you can PM me your bank account details I'll look into this for you.

Jimmy Garlic · 14-02-2014 08:07PM

Staplor wrote: »

Was "op" in the narrative? Originator plus, basically they can do direct debit without your approval. I had it come up on a work bank account, if it is that your bank can rectify in a day.

No, nothing like that. All were POS.

weldoninhio · 14-02-2014 09:16PM

Jimmy Garlic wrote: »

No, nothing like that. All were POS.

POS would point to the card being cloned somehow.

Jimmy Garlic · 14-02-2014 09:40PM

weldoninhio wrote: »

POS would point to the card being cloned somehow.

How so?

PucaMama · 14-02-2014 09:49PM

Jimmy Garlic wrote: »

How so?

isnt POS the card being used in a shop

Canis Lupus · 14-02-2014 09:53PM

Jimmy Garlic wrote: »

How can this happen? I noticed some fairly big payments that I didn't make going out of my bank account to software and web hosting companies . Reported it as soon as I saw it to my bank (very helpful) and it is being dealt with.

I can't wrap my head around how it was done. I rarely use the card as it is not my main bank account. The last time I used an atm with it was weeks ago and I always check atms before I use them. I never use the card in shops etc.

Basically all I use the account for is to pay for stuff online. Via ebay/paypal mostly, and the odd direct transfer.

Can anyone tell me how this was done? i'm puzzled.

Your card can be compromised via the websites you purchase from. Either via an employee or their database. Sometimes when a card is compromised nothing happens with it for weeks/months and they it's used. Sometimes there are bin attacks where the software they use bang in numbers in order till they get the goods and finally sometimes there's no indicators, **** just happens. There's a good chance your bank will know what the compromise is as often multiple cards get hit, they run analytics and they'll find a merchant all the compromised cards will have used however they won't tell you that (only because they can't be bad mouthing companies).

Long story somewhat shorter, you'll get your money back and as long as you don't use your card on obscure weird sites regularly it's unlikely to happen again.

Stavros Murphy · 14-02-2014 09:54PM

PucaMama wrote: »

isnt POS the card being used in a shop

I thought POS was something else altogether. Maybe a POS stole your monies.

anncoates · 14-02-2014 09:55PM

Do you like drinking?

I remember one Christmas being surprised when one or two drunken purchases arrived that I didn't remember making.

Canis Lupus · 14-02-2014 10:01PM

Stavros Murphy wrote: »

I thought POS was something else altogether. Maybe a POS stole your monies.

POS: Point of Sale means in a shop physically using a card. Usually a nice place to have your card details stolen especially when on holiday overseas. When I finally go to Thailand I shall bring only cash and never use my card

Also, dunno about Ireland but here in Australia you can pay for taxi rides using debit/credit cards. They're another awesome compromise point. One of the tricks they use is to use what they call a ghost terminal ie they take your card, pop it into a normal looking machine and out comes a receipt but they don't actually charge the card, just skim it. Weeks later the card gets used and it's very hard to spot it because often you don't remember a random taxi you took and for us antifraudies as no transaction ever happened in the first place you can't spot compromise points.

Ineedaname · 14-02-2014 10:05PM

Same thing happened to me. Looked at my statement one day and there was a huge payment to some company.

The bank were very helpful. Filled out a form saying what happened. Got my money back a few days later.

They said they'd investigate but I never did hear from them again. Just glad to havey my money back to be honest. Been a lot more careful since.

dj jarvis · 14-02-2014 10:05PM

PucaMama wrote: »

isnt POS the card being used in a shop

yea , and how many times have you seen people in a restaurant hand their card for payment ?

off pops the waiter/waitress to the till , under the till they have a cloning device , they then bring you a wireless POS device , a dodgy one , that records your pin number , and there you go !!

its all very easy really , all you need is a business with criminal staff or owners

biko · 14-02-2014 10:09PM

Oyinbo man, I go chop your dollar

Stavros Murphy · 14-02-2014 10:21PM

Monies was taken from my bank account there too recently. I blame Bill. Feckin Bills a POS.

maringo · 14-02-2014 10:26PM

Maybe it was that nice lady who rang from Microsoft to fix your computer problems ? :eek:

Jimmy Garlic · 14-02-2014 10:29PM

maringo wrote: »

Maybe it was that nice lady who rang from Microsoft to fix your computer problems ? :eek:

I am ultra vigilant. No African Princes, presidents in exile or cold callers.

knarkypants · 14-02-2014 10:40PM

In all seriousness it's really sh*tty when stuff like this happens. My OH had a credit card that he only used for paypal and had never used it in a shop. The company that issued the card gave notice that they were pulling out of Ireland in the next few months. A disgruntled employee stole customers details one of which was my OH...we're not sure if they sold the information or used it between themselves and friends. They booked flights, ordered and payed for meals on justeat along with other things.

The credit card company tried to dispute that his card had been comprised. We were able to log into the ryanair passenger details using the credit card number and get the name of the person who booked the flight. We printed all the information off and sent it to the credit card company. Eventually they sorted it out. It was a nightmare for a few months though.

Hope you get sorted out soon.

Money taken from bank account. Pretty sure my card wasn't skimmed. How?

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