Online: paulybronco, Hilly

Credit card fraud

  • paulybronco
    paulybronco
    1 year ago
    Just did a month overseas and the week prior to going St George bank contacted my Mrs questioning if she just purchased two Apple gift cards in USA for $149.99 each. Short answer NO! Card cancelled and new card sent as a priority. The replacement card arrived the day we left for holiday. Two weeks into the holiday St George contacted me asking if i had bought Uber eats in USA for $16. Short answer NO! So now my card cancelled just leaving wifes card. Week three St George contact us asking if wife was back in Australia as a $4.99 transaction occurred then was reversed immediately. Short answer NO. St George told us they would keep the card active and we needed to monitor the statements as the card is only three and a bit weeks old.....arrive home and find the card was used to buy UBER eats 3 times while we were in the air totalling $65 in Sydney. St George have been fantastic and never disputed or questioned anything and reimbursed us for everything. We had a really good chat with one of the fraud guys and got a pro tip that i wasn't aware of ......use your iphone pay or google pay on the phone .....the ccv, the three digit code on the back of the card, can be different for variance suppliers but if you send your details via the internet it remains the same, a bit like a two step verification.  Morale of the story....check your statement...second point....bring back CASH!   
  • B0nes
    B0nes
    1 year ago
    Quoting paulybronco on 13 Aug 2023 10:28 AM

    Just did a month overseas and the week prior to going St George bank contacted my Mrs questioning if she just purchased two Apple gift cards in USA for $149.99 each. Short answer NO! Card cancelled and new card sent as a priority. The replacement card arrived the day we left for holiday. Two weeks into the holiday St George contacted me asking if i had bought Uber eats in USA for $16. Short answer NO! So now my card cancelled just leaving wifes card. Week three St George contact us asking if wife was back in Australia as a $4.99 transaction occurred then was reversed immediately. Short answer NO. St George told us they would keep the card active and we needed to monitor the statements as the card is only three and a bit weeks old.....arrive home and find the card was used to buy UBER eats 3 times while we were in the air totalling $65 in Sydney. St George have been fantastic and never disputed or questioned anything and reimbursed us for everything. We had a really good chat with one of the fraud guys and got a pro tip that i wasn't aware of ......use your iphone pay or google pay on the phone .....the ccv, the three digit code on the back of the card, can be different for variance suppliers but if you send your details via the internet it remains the same, a bit like a two step verification.  Morale of the story....check your statement...second point....bring back CASH!   

    I had a transaction on my card on christmas day, something to do with tik tok. Called CBA and the woman at the other end couldn't have been more helpful. Canceled my card and organised a new one on the spot. As the transaction was still pending they couldn't do anything until it was finalised. The day that happened she sent me an email saying the funds would be back in my account within 24 hours. Checked 5 hours after that email and saw that the funds were back in my account.
  • paulybronco
    paulybronco
    1 year ago
    On every occasion St George contacted us via text. No out of pocket costs to us.
  • Retroman
    Retroman
    1 year ago
    A few years back I was riding my Springer down the beach on West Coast Highway Perth, with a crew.

    My mobile in my leather waistcoat starts ringing with the Mrs ringtone , must be important and I pull over and answer.

    She tells me to expect a call from the NAB and I hang up and immediately my phone rings again.

    Answer the call , Irish accent "This is Shaun O'Sullivan from the NAB security in Sydney, are you online gambling in Macau ?"

    I say "mate I am riding my Harley down past the Indian Ocean in Perth" and I rev the bike so he can hear it.

    Then I say I will call him back , do a U-ey and scoot home 20 K's in a hurry. Get in the house and on the credit card bill on the fridge with a wee magnet I find the NAB security phone number and call it from the landline. I reckon at this point it's a scam of course.

    Bingo , it's the same guy, the call is legit. He tells me the gambling is still going on but only now really believes me it is not me gambling. Asks me if I have given my credit card details to anyone "in Lieu of a debt"? HAVE I FUCK says me. 

    He tells me the card has been run to $13,000 and maxed out ! Now the dude believes me , and asks "where do I buy my fuel" ?

    I say my Local BP and always on the way home from a run so the bike sits with a full tank. Then I think again , and the previous weekend I filled up in a Caltex servo way south in Perth after a 300+ K's wheatbelt country run.

    THAT IS WHERE YOUR CARD WAS COPIED he tells me , there have been MULTIPLE cases of cards being ghosted at that servo !
    Card immediately cancelled of course. Now he REALLY believes me

    Turns out servo attendants, Sri Lankan TAFE students of IT, are the card copiers/skimmers who then sold the details abroad.
    They were identified and ultimately deported.

    Took over 2 months/ credit card cycles to revert to zero balance , I "owed" the money for near 8 weeks , paying for groceries and petrol by cash or cheque. Pain in the arse that.

    I had several conversations with the NAB fraud dept , and I asked what would have happened to any gambling "winnings" and they said the fraudsters had that covered by having a divert of sorts to a second account to receive any "winnings".

    After that my card NEVER left my possession and I watched servo attendants etc like a hawk AND made it obvious. Now they give the reader thru' to you to tap , they don't touch your card.

    Next thing in Perth is then that gangs start stealing card readers from Myers and the like and somehow getting your details out of them after doctoring them and swapping them again in the same or other stores. Those caught were African this time.
  • Grease Monkey
    Grease Monkey
    1 year ago
    Thieving pricks, should be beaten soundly for days, weeks, months even!
  • paulybronco
    paulybronco
    1 year ago
    Well this is the credit card that just keeps giving....just got the statement for the cancelled card...$7672.43. The biggest individual fraud was for accomodation in China...$4685.30.....a series of baseball caps etc in USA....uber eats in Perth and Penrith on the same day and so on it goes. So now lets see how friendly St George are. Its interesting that they pick up Uber eats in USA for $16 but missed all the big ticket frauds. Will keep you in the loop. 
  • paulybronco
    paulybronco
    1 year ago
    Well just on hold as we speak.....been refered to their fraud team and advised its a 25 min wait......either its more rampant than they admit or they are short staffed!  LOL
  • paulybronco
    paulybronco
    1 year ago
    Well done and dusted all info passed on....seems the big bill is for a American Airlines business class flight. Glad my money is being enjoyed by someone else.
  • paulybronco
    paulybronco
    1 year ago
    What was rather alarming was when i was going thru the disputed bill with the lady on the phone she would say , what about uber eats Russia for $45, what about apple store Germany for $109.95 and a shit load more random things that weren't on my statement...she then told me that these were flagged as fraudulent and reversed and therefore not on my statement..WTF! They knew earlier than when they warned me that the card had been compromised but said nothing. 
  • Grease Monkey
    Grease Monkey
    1 year ago
    FFS!
  • paulybronco
    paulybronco
    1 year ago
    Possibly going on behind the scenes with everyone's cards....who would know. Just a bit of a head fuck as to how a small transaction triggers a alert yet the big ticket items sail thru...
  • paulybronco
    paulybronco
    1 year ago
    A interesting thing has happened lately and via stealth as well....every Fri we buy prawns from a local trawler . Lately he has had a issiue with his boat so has been buying stock from other fishos...they deal in cash. He went to his local branch and tried to get 5k out to buy the stock. The attendant asked him what he wanted the cash for, and what that persons name was he was giving the money to! 
  • paulybronco
    paulybronco
    1 year ago
    Well St George has reversed all the contested unauthorised transactions on my card. The final number was just a touch over 8k. Gentlemen my lesson for the day is.....check your c/card statement every time.