just had €1500 stolen from my account

Canis Lupus wrote: »

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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.

they will if the ip address of the pc used to make the transactions is not in the ops's general location at the time of purchase. verified by visa means nothing if the card is used fraudulently visa have to reimburse the bank if proven it was fraudulent

banks have very good systems to trace online purchases back to the ip address of the computer used... they can easily get the info off an isp under the fraudulent online transactions act

Karsini wrote: »

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.

Yeah true, were the shops in Ireland though?

This happened to me about 2 years ago, but the cloned card was being used in the US. Apparently signing for everything is more common over there...

Luckily, the bank actually noticed before me because I had used my card here, and then it was used a couple of minutes later in america :pac:

They apparently bought a sh!t load of groceries, electronics and tried to sign my card up to a movie rental website.....:(

Anyway, the bank fraud department called me to verify it was fraudulent activity, froze my card and got all my money back thank god.

I remember initially thinking the call from my bank was a scam, because you are normally warned that they wont ever call you and ask for your details

OP could a family member, or a person with you that night have stolen it, that may know your PIN or take a good guess at it? I don't mean to offend, but it is possible.

hfallada wrote: »

If you leave your card in the ATM machine and take the cash. The machine is programmed to take back the card

Don't ATM's usually return the card before spitting out the cash?

fisher8181 wrote: »

Don't think it could have went through VBV.
Doesn't that look for digits of your pin and your password?
What ever chance that they might have seen me enter my pin there is no way they would know my password.

In that case if the transactions weren't vbv approved you should be able to claim them back.

I say should because I don't work in claims, I don't know what the position is regarding online transactions stemming from a lost card. I do know for sure though that being negligent with your card at an ATM is grounds for reimbursement refusal in situations where the thieves make further ATM withdrawals. (counterfeit cards are a different matter but I don't think that's the case here and a lot of ATMs in Ireland read the chip and the bank can see that so they'll know it was the original card used).

fisher8181 wrote: »

How do they know if I was negligent with my card?
Do they look back on CCTV or just ask me what happened?

Because they used your card and pin to withdraw money. However it's odd if they didn't use the pin to make card present transactions unless they were stupid and forgot it on the way to the shops.

What exactly happened. Were you drunk? Do you clearly remember making an ATM transaction? Do you remember anyone being around you at the time? What happened immediately after the transaction?

Canis Lupus wrote: »

It's not impossible but as a general rule of thumb a skimmed card is rarely put into operation within hours. Normally it's a few days and often months and more often the counterfeit card actually pops up in foreign countries. US and Asia being popular spots.

This is true. My card was skimmed once and the bank immediately called me. I had made a withdrawal from a machine and about 12 hours later "my" card was used in South America. The bank determined that it would have been impossible for me to have been in both places. They rang me, informed me, blocked my card, locked the account, refunded the stolen spons and told me to pick up a new card at the branch asap. I was pretty impressed with their diligence.

fisher8181 wrote: »

Had a few drinks but I wasn't very drunk. I clearly remember making the transaction but wouldn't have noticed anyone hanging around.
I just walked home afterwards and tickets were purchased online about an hour afterwards.

Do you know if the bank looks at CCTV or how they determine negligence? Is the fact that they saw my pin enough to say I was negligent?

The ATM will have detected the chip (which is not copyable by fraudsters) so the bank will know your card + pin withdrew money. Apart from coercion (ie someone with a knife making you withdraw money etc) the bank has grounds the refuse you a refund on the ATM withdrawals because no matter what way you look at it the thieves shouldn't have your card and pin unless you were in some way negligent.

As for the other stuff like I said before it's claimable but I don't know where the bank will stand in regards to transactions made after a card is lost. I do have a feeling you should might be okay and they'll go with the chargebacks.

Look, I think it's just best to wait for the morning and talk to the bank. I don't want to be stressing you out needlessly as they might just fire you out a form and reimburse you.

You can file charge backs for 'unauthorised use' for all online transactions, as long as none were 3d you'll get full refunds.

B.A._Baracus wrote: »

Sorry to hear that, op.
You must be raging. But feck it, whats done is done at this point. Just ring up the bank asap tomorrow morning

On a personal note, this is why I hate the idea of cards. I know, whats the alternative stuff your matress with money? but there is just many varibles at play were you can lose your money.

Not really, bar situations like the unfortunate OP where someone gets your pin at a shop/atm and susequently gets your card, financial institutions have to refund unauthorised transactions. This includes counterfeit cards etc.

So with cards you just get inconvenienced for a little bit but you lose real cash and nothing's getting that back for you. I rarely use cash nowadays.

Is this a debit or credit card?
When I worked for a banks credit/debit card department it was usually possible that the bank would not refund a debit cards account.
Credit cards they would usually as the credit cards were usually insured.
If it is a debit card then what you've done so far is correct, bank and police.
The bank may want a police statement as proof that you actually reported it to them too.
Debit card fraud can usually take a while to refund.
Yes the bank will check CCTV, there is usually as well a camera inside the ATM facing the person.
Out of curiosity, what kind of tickets did you say were bought?

bear1 wrote: »

Is this a debit or credit card?
When I worked for a banks credit/debit card department it was usually possible that the bank would not refund a debit cards account.
Credit cards they would usually as the credit cards were usually insured.
If it is a debit card then what you've done so far is correct, bank and police.
The bank may want a police statement as proof that you actually reported it to them too.
Debit card fraud can usually take a while to refund.
Yes the bank will check CCTV, there is usually as well a camera inside the ATM facing the person.
Out of curiosity, what kind of tickets did you say were bought?

Aren't Irish cards visa debit cards?

Canis Lupus wrote: »

Aren't Irish cards visa debit cards?

They are, however there is the debit version (Electron for e.g.) and then the normal Visa credit card (or Mastercard)
If he has the credit version then the transactions are insured.
If it is a Visa Debit/Electron card then they aren't insured and the case becomes a bit more tricky.
The fact that it is quite a bit of money means they will certainly act on it.

Canis Lupus wrote: »

As long as it's visa debit then the zero liability policy applies no? (ignoring the fact the card was lost and a pin ATM withdrawal took place)

I believe it doesn't cover personal accounts, these are mostly for credits or business accounts.
I'm open to correction on this.
But with Lasers for example it was extremely difficult to get the money back, not impossible but difficult