just had €1500 stolen from my account

fisher8181 · 16-02-2014 10:16PM #1

Took money out last night after a night out and I must have lost my card after that or left it in the machine.
Only just realised about an hour ago and there has been €1500 worth of tickets brought online, shopping from tesco and centra etc
Dont know how that can even be done without knowing my pin. Even the online purchases have "verified by visa" where you have to enter some digits of your pin number.

Anyone know if there is any chance of recouping
the money? I know you can with a credit card but not sure about debits.

Stavros Murphy · 16-02-2014 10:18PM

Pin money used to be so innocent.

Contact the bank and report the card as stolen? Ask what can they do? Or just take it as your invitation to go out and steal €1500 from somewhere, to even up the score karmically.

Fr_Dougal · 16-02-2014 10:20PM

If purchases were made through the 3D secure system you won't be able to recoup.

Also, contact the Gardai immediately, they should be able to track the thieves through the delivery address on the orders.

Banjo String · 16-02-2014 10:20PM

fisher8181 wrote: »

Took money out last night after a night out and I must have lost my card after that or left it in the machine.
Only just realised about an hour ago and there has been €1500 worth of tickets brought online, shopping from tesco and centra etc
Dont know how that can even be done without knowing my pin. Even the online purchases have "verified by visa" where you have to enter some digits of your pin number.

Anyone know if there is any chance of recouping
the money? I know you can with a credit card but not sure about debits.

Someone has skimmed your card. That's what it looks like to me.

Sorry to hear it dude.

J_E · 16-02-2014 10:20PM

fisher8181 wrote: »

Took money out last night after a night out and I must have lost my card after that or left it in the machine.
Only just realised about an hour ago and there has been €1500 worth of tickets brought online, shopping from tesco and centra etc
Dont know how that can even be done without knowing my pin.

Skimming machines usually have a fake keypad or hidden camera to get the PIN too. Really sorry to hear this has happened, contact your bank/Visa immediately to get it cancelled.

sawdoubters · 16-02-2014 10:21PM

have you called the bank yet

Novella · 16-02-2014 10:22PM

I don't think all websites use Verified by Visa. I buy a lot of stuff online and it's not that often that I'm asked to use it.

Anyway, my debit card was cloned last year and I got all of the money back. It took maybe three or four weeks to be dealt with but AIB were pretty good about it. Did you report the card lost or stolen yet!? If not, do it!

sopretty · 16-02-2014 10:24PM

Obviously - your first port of call is to cancel your card which I presume you have already done!
I would also report this to the gardai (they might - with their amazing surveillance capabilities haha - be able to track the locations of the Centra etc. purchases (i.e. check cctv footage of the time of the transactions?).
That's some hard luck though. Hope you get it all back.

fisher8181 · 16-02-2014 10:27PM

Dont think it was skimmed cos I actually did lose it. If skimmed dont you take the card back and they clone the card?

I have reported it to bank. On way to police station.

sopretty · 16-02-2014 10:29PM

fisher8181 wrote: »

Dont think it was skimmed cos I actually did lose it. If skimmed dont you take the card back and they clone the card?

I have reported it to bank. On way to police station.

Best of luck. Hope the miserable ******* get caught. Such a horrible thing to do to someone.

Tiddlypeeps · 16-02-2014 10:29PM

I had my card skimmed before and AIB refunded me every penny that was taken. They even gave me a temporary overdraft while the investigation was in progress so that I wouldn't be out of pocket.

Talk to the bank about it asap, most importantly so that you can cancel the card so no further damage can be done but also to try and see how they can refund you what was taken.

Since the card itself was stolen/lost I'm not sure if they will refund you the money, but it's worth talking to them as they may be able to cancel any transactions that have not fully processed yet.

Canis Lupus · 16-02-2014 10:37PM

Chip n pin not always required. They'll usually swipe and sign.

The bank will know about verified by visa transactions. Just because a website has it doesn't mean the buyer will be challenged.

However, don't say you left it in the ATM otherwise the bank will hit you with negligence and not refund the money.

slimjimmc · 16-02-2014 10:41PM

fisher8181 wrote: »

Took money out last night after a night out and I must have lost my card after that or left it in the machine.
Only just realised about an hour ago and there has been €1500 worth of tickets brought online, shopping from tesco and centra etc
Dont know how that can even be done without knowing my pin. Even the online purchases have "verified by visa" where you have to enter some digits of your pin number.

Anyone know if there is any chance of recouping
the money? I know you can with a credit card but not sure about debits.

If you were so drunk that you forgot to take your card then maybe you were too drunk to notice if an opportunist was looking over your shoulder as you typed in the PIN?

Fr_Dougal · 16-02-2014 10:48PM

fisher8181 wrote: »

Dont think it was skimmed cos I actually did lose it. If skimmed dont you take the card back and they clone the card?

I have reported it to bank. On way to police station.

If there are 'verified by visa' purchases on your card that means purchases have been made via the 3D secure system...which means someone entered in your password and that's separate to your PIN.

If you or anyone in your household made those purchases the bank will know, and so will the Gardai if they contact them. This is starting to smell a bit fishy tbh.

Phoebas · 16-02-2014 10:50PM

slimjimmc wrote: »

If you were so drunk that you forgot to take your card then maybe you were too drunk to notice if an opportunist was looking over your shoulder as you typed in the PIN?

He didn't say he was drunk :mad:

Gael23 · 16-02-2014 10:53PM

Contact the bank immediately. If the phone line isnt open tonight then do first thing in the morning

lukesmom · 16-02-2014 11:04PM

Sorry the rotten bast@rds they'll have no luck for it

Freddy Smelly · 17-02-2014 12:06AM

paypal for online purchases that way your covered

if your card was skimmed your bank will refund you once you report the machine as they will check it's logs to see if it was skimmed. yes they can check camera logs and withdrawl logs

if they see you taking out money at lets say 5pm and then see the skimmer taking money out at lets say 10pm and ye look different they will refund you

Canis Lupus · 17-02-2014 12:09AM

Freddy Smelly wrote: »

paypal for online purchases that way your covered

if your card was skimmed your bank will refund you once you report the machine as they will check it's logs to see if it was skimmed. yes they can check camera logs and withdrawl logs

if they see you taking out money at lets say 5pm and then see the skimmer taking money out at lets say 10pm and ye look different they will refund you

OP has said he lost his card.

Freddy Smelly · 17-02-2014 12:15AM

Canis Lupus wrote: »

OP has said he lost his card.

how did they get op's pin if op lost it?????

the only way to get a card pin is while it is in use. finding a card on the ground is only good for chopping cocaine nothing more

even if he left his card in the machine the machine will spit it out after being idle for 3 mins or ask you to re-enter your pin again

no it was skimmed or found away from the atm how else where they able to buy tickets online????

in either case the ip address of the pc used to buy the tickets will be traced...prooving the ops case his card was used illegally and therefore he will get refunded

fisher8181 · 17-02-2014 12:15AM

Been back onto bank. It's actually more money than I thought. They somehow took out €600 cash (thought there was a limit of €300?) from the ATM and €1500 in purchases.
They signed for the purchases in different shops and brought €800 worth of tickets online. It looks like they didn't know my pin if they were swiping and signing but somehow withdrew cash from ATM.

I reported the card lost rather than stolen. I wonder if that will affect whether I get my money back. They might see "lost" as being negligent.

foxy06 · 17-02-2014 12:18AM

How do u know so soon what the purchases were? It doesn't show up on my online banking for a couple of days. only shows the amount spent and what's left

sopretty · 17-02-2014 12:19AM

fisher8181 wrote: »

Been back onto bank. It's actually more money than I thought. They somehow took out €600 cash (thought there was a limit of €300?) from the ATM and €1500 in purchases.
They signed for the purchases in different shops and brought €800 worth of tickets online. It looks like they didn't know my pin if they were swiping and signing but somehow withdrew cash from ATM.

I reported the card lost rather than stolen. I wonder if that will affect whether I get my money back. They might see "lost" as being negligent.

I'd re-report it as stolen. In fairness, it would be easy enough to mislay a card and figure it might have been mislaid. Reporting it to gardai as stolen should have significance though. Did you do that yet?

fisher8181 · 17-02-2014 12:23AM

foxy06 wrote: »

How do u know so soon what the purchases were? It doesn't show up on my online banking for a couple of days. only shows the amount spent and what's left

The guy I reported it to at the bank had the details

Banjo String · 17-02-2014 12:23AM

fisher8181 wrote: »

Been back onto bank. It's actually more money than I thought. They somehow took out €600 cash (thought there was a limit of €300?) from the ATM and €1500 in purchases.
They signed for the purchases in different shops and brought €800 worth of tickets online. It looks like they didn't know my pin if they were swiping and signing but somehow withdrew cash from ATM.

I reported the card lost rather than stolen. I wonder if that will affect whether I get my money back. They might see "lost" as being negligent.

This doesn't make sense to me. If they didn't have your pin, it'd be impossible to withdraw anything from an atm.

fisher8181 · 17-02-2014 12:24AM

sopretty wrote: »

I'd re-report it as stolen. In fairness, it would be easy enough to mislay a card and figure it might have been mislaid. Reporting it to gardai as stolen should have significance though. Did you do that yet?

Just told him what actually happened. Didn't say lost or stolen.

fisher8181 · 17-02-2014 12:24AM

Banjo String wrote: »

This doesn't make sense to me. If they didn't have your pin, it'd be impossible to withdraw anything from an atm.

Don't understand that either. Should get more info tomorrow.

17-02-2014 12:25AM

fisher8181 wrote: »

They signed for the purchases in different shops and brought €800 worth of tickets online. It looks like they didn't know my pin if they were swiping and signing but somehow withdrew cash from ATM.

I used to work in retail and was always told never to accept a chip and PIN card without the PIN, because in the event of fraud the retailer is responsible as they're not following the correct procedures.

Freddy Smelly · 17-02-2014 12:31AM

fisher8181 wrote: »

Been back onto bank. It's actually more money than I thought. They somehow took out €600 cash (thought there was a limit of €300?) from the ATM and €1500 in purchases.
They signed for the purchases in different shops and brought €800 worth of tickets online. It looks like they didn't know my pin if they were swiping and signing but somehow withdrew cash from ATM.

I reported the card lost rather than stolen. I wonder if that will affect whether I get my money back. They might see "lost" as being negligent.

if aib 600 is max per day

your card was skimmed otherwise they could not withdraw cash from the atm cos you need a pin to do that. in which case the bank are responsible and need to refund you.

its the bank's job to make their atms impossible to fit skimmers in not yours. fight your case

Canis Lupus · 17-02-2014 12:36AM

fisher8181 wrote: »

Been back onto bank. It's actually more money than I thought. They somehow took out €600 cash (thought there was a limit of €300?) from the ATM and €1500 in purchases.
They signed for the purchases in different shops and brought €800 worth of tickets online. It looks like they didn't know my pin if they were swiping and signing but somehow withdrew cash from ATM.

I reported the card lost rather than stolen. I wonder if that will affect whether I get my money back. They might see "lost" as being negligent.

You said you were out last night but haven't said if you were on the piss or not?

Do you remember taking the card with you when at the ATM and do you remember if anyone was hanging around/watching?

If we assume the ATM detected the chip (some do some do, some don't) the bank is unlikely to refund the money. They'll basically claim negligence one way or the other. It's still unlikely anyway given that counterfeit card transactions are pretty easy to detect.

As for the card present transactions... If we assume the bank is going to be nice to you they'll do a chargeback/voucher request which is essentially a signature check from the point of purchase. This will get you your money back as sigs won't match.

Online transactions, again it's up to the bank but if the transactions WERE verified by visa you're not getting the money back because the bank can't chargeback the merchant (ie the bank would have to pay you from their own pocket and that's not going to happen). If they weren't verified by visa the bank might help. You see the bank has to pay visa per chargeback so it depends in this case. Ultimately they might just say you lost your card tough **** or they might be nice. Fingers crossed for you either way.

Banjo String · 17-02-2014 12:37AM

fisher8181 wrote: »

Don't understand that either. Should get more info tomorrow.

Best of luck.

just had €1500 stolen from my account

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