How was my debit card cloned ?

[daveza]

Try to get hold of your banks fraud department and speak to someone dealing with your case.

How did you find out who was dealing with it ?

In my case the withdrawals were made from a Saswitch ATM ( I thought all ATM's were Saswitch ) - so ABSA ATM investigators are out of the loop.

 

[wily me]

How did you find out who was dealing with it ?

In my case the withdrawals were made from a Saswitch ATM ( I thought all ATM's were Saswitch ) - so ABSA ATM investigators are out of the loop.

I am with Standard bank as I said and the branch gave me the number for my banks fraud department. Thus Standard bank investigated the problem. The crooks also used my card at a Standard bank ATM. I cannot see what the Saswitch would make a difference as it is still the same card even if cloned.

If your case is denied because of Saswitch then I do not know what to do? it's crazy.

 

[AntonioDA]

why just debit cards and not credit cards?

 

[killadoob]

Credit card companies pick up stuff far quicker, it's more of a risk. So if they go draw money and you never draw money the credit card okes will be onto it in a flash.

Similar thing happened to me they nailed me for 5k but two weeks later i was refunded . Somehow they got my card in jhb and started drawing money in cape town. Now i get an sms every time my account has movement.

 

[AntonioDA]

Credit card companies pick up stuff far quicker, it's more of a risk. So if they go draw money and you never draw money the credit card okes will be onto it in a flash.

Instead of withdrawing cash, could just go on a shopping spree?

 

[lholhos]

I'm with FNB, my current limit is R700..I change it now and then..last time I needed R6000 to pay for my car at some panelbeater...I just increased it, withdrew the money, changed back to 700.online!..keep your daily limit very low...I hardly use the atm...If they clone my chipped cheque card they will only get R1400 max....

 

[zippy]

To summarise...

I tried to pay a few hundred rand for groceries at a supermarket which for now will be nameless.

It was declined.

Took it to ATM in the supermarket and R4500.00 had been withdrawn over two days at a Saswitch ATM -last weekend.

My card had not been anywhere but inside my wallet.

Reported it to ABSA, spent an hour at police station, have a case number and now have a case file at SAPS and the bank.

Now....when asked where last I had used the card it was the very same supermarket. On hearing this the lady at the bank raised her eyebrows and said ' not another one '. Apparently they have many similar cases where the last place of use was at the cashiers of this supermarket.

When I pay I hand the cashier my card, she swipes it through the machine, asks cheque or savings then turns the machine to me to put in my pin.

How is it possible to clone my card - and then use it - obviously with my pin which I always cover up on input ?

I have written to the supermarket and asked them in light of the apparent high incidence of card cloning at this outlet what they have done about it - we shall see what the response is.

So, is it possible to get the pin from a debit card by swiping it, and how did they do it without me seeing ?

Somebody had probably hacked their systems and are grabbing credit card details of their system.

You don't need a pin to charge to card. For example if you buy something on the web you don't use your pin at all.

However, if a pin is not used then the cvc number should be provided. It's not easy for someone to get that unless they had your card in their own hands

 

[Elimentals]

Somebody had probably hacked their systems and are grabbing credit card details of their system.

You don't need a pin to charge to card. For example if you buy something on the web you don't use your pin at all.

However, if a pin is not used then the cvc number should be provided. It's not easy for someone to get that unless they had your card in their own hands

CCTV camera's? But I doubt they would be good enough to make out someones cvc number.

Naaa, I think it would be easier to have a device between the reader and the Register capture the data. You know plug in some type of proxy device in between that just cache the data that can be sorted out later on a PC.

All someone has to do is pay a casher or someone opening the store to plug such a device into a cash register and collect it at the end of the day.

 

[Fudzy]

Somebody had probably hacked their systems and are grabbing credit card details of their system.

You don't need a pin to charge to card. For example if you buy something on the web you don't use your pin at all.

However, if a pin is not used then the cvc number should be provided. It's not easy for someone to get that unless they had your card in their own hands

He mentioned that it was a debit card, all that would take is the card reader connected to another device.

 

[Alan]

on a positive note I read a letter in the local paper about a guy who left R250 in the ATM. When he came back it had been handed in to the owner of the local Spar and was returned.

 

[Alton Turner Blackwood]

on a positive note I read a letter in the local paper about a guy who left R250 in the ATM. When he came back it had been handed in to the owner of the local Spar and was returned.

How did he manage to leave it there? I make double sure I take all mah cash!

 

[Alan]

How did he manage to leave it there? I make double sure I take all mah cash!

Dunno you'd have to ask him how the hell he managed that

I think I'd be too embarrassed to go back

 

[Elimentals]

How did he manage to leave it there? I make double sure I take all mah cash!

Alcohol does funny things...

 

[zippy]

He mentioned that it was a debit card, all that would take is the card reader connected to another device.

That's probably the likeliest method. If it is you have to question how store managers don't pick this up.

In the UK it looks impossible for cashiers in supermarkets(at least at Sainsbury's, ASDA and Tesco) to do this because the devices, firstly arent portable and secondly they seem pretty hard wired to the till. There is no obviouse connector visible. This makes at all but impossible for a cashier to plug any device. In fact the way it works you don't even hand your card to the cashier. You place your own card in the device and type your pin.

Consumers should refuse to shop where they use portable devices

 

[xrapidx]

How did he manage to leave it there? I make double sure I take all mah cash!

I've done that before, about 10 years ago, different atm's returned your card and cash in a different order... So I just took my card and walked... realised within 3 minutes, turned around, went back, and the cash was gone, with some guy walking away from the ATM... not exactly like you can accuse him

 

[Mephisto_Helix]

The parental unit has just had R970 stolen from her FNB account (she's at the bank now). Only place she's used the card is at Knowles Spar here in Pinetown, so it's either been cloned or someone got funky at the bank. Fsckers

 

[Pearson6]

My wife got taken for R8000 last night/this morning and too top it off I work for ABSA so I am personally trying too get too the bottom of this, come hell or high waters I want her money back and it all happened at a saswitch machine, busy tracking it now, but from what I have done thus far there must be someone inside too see how much can be drawn out of the account as they knew exactly what accounts she had with the bank and what time her salary got paid into the account and a lot of other specifics. I am busy trying too organise a spin report too see besides me and my immediate superior who else looked into her account and take it from there. I know the bank has too refund you as long as you did your part as you are trusting them with your money and if they are unable too keep it safe I am sure you can take them too court irrespective of the atm or method that was used the fact is u would not steal your own money that is just so stupid so will keep you guys updated.

 

[F1 Fan]

My wife got taken for R8000 last night/this morning and too top it off I work for ABSA so I am personally trying too get too the bottom of this, come hell or high waters I want her money back and it all happened at a saswitch machine, busy tracking it now, but from what I have done thus far there must be someone inside too see how much can be drawn out of the account as they knew exactly what accounts she had with the bank and what time her salary got paid into the account and a lot of other specifics. I am busy trying too organise a spin report too see besides me and my immediate superior who else looked into her account and take it from there. I know the bank has too refund you as long as you did your part as you are trusting them with your money and if they are unable too keep it safe I am sure you can take them too court irrespective of the atm or method that was used the fact is u would not steal your own money that is just so stupid so will keep you guys updated.

Interested to see what you find. Especially as an insider.

 

[MKFrost]

And to think they phased out cheques due to all the fraud..... Almost sounds like cheques might make a comeback at this rate....

My solution, and I know, this will not work for most. I have no debt so no debit orders and the like. I have a substantial amount in my account. My account is not linked to anything like internet banking, mobile banking etc.. I have to go to the bank with my ID to draw funds and or do transactions over the counter (I pay no fees).

Wife and I have a credit cards with another bank with sufficient limits. End of each month I go to the bank with my ID, pay the credit cards in full and draw Rxxx cash for my wife and I. This usually covers most and the rest is placed on the cards i.e. fuel etc....

So only way they can take my money is to do so inside the bank by a bank employee and that is the banks problem as they will have to show how I 'took' it if I was not even there in person with my ID.

If they clone the credit card then its also the banks problem as its their money and not mine. So if ever there is any dispute it will be about their money and not mine. I will just use another card until its resolved.

Thus far never had a problem with this setup. Yes, sometimes a bit of a pain to go to the bank but honestly, if your things are planned then at most one trip to the bank each month taking no more than 15 minutes and complete peace of mind.

EDIT: Just for clarification, the account I have is not a normal bank account but an investment account. It has no bank card etc...

 

[lived666]

My wife got taken for R8000 last night/this morning and too top it off I work for ABSA so I am personally trying too get too the bottom of this, come hell or high waters I want her money back and it all happened at a saswitch machine, busy tracking it now, but from what I have done thus far there must be someone inside too see how much can be drawn out of the account as they knew exactly what accounts she had with the bank and what time her salary got paid into the account and a lot of other specifics. I am busy trying too organise a spin report too see besides me and my immediate superior who else looked into her account and take it from there. I know the bank has too refund you as long as you did your part as you are trusting them with your money and if they are unable too keep it safe I am sure you can take them too court irrespective of the atm or method that was used the fact is u would not steal your own money that is just so stupid so will keep you guys updated.

to not too:wtf: