Sign up with GoogleChecked my Virgin Money credit card statement online today and saw this:
2012-09-04 SNCF TGV.COM MONTRY FR -1 065.85
Strange, I don't remember using the card yet this month...?
:wtf:
Googled the merchant... Aaaarrrgggh! Some bastard in France is taking a train trip on my account!
Phoned Virgin who cancelled the card and told me my account had already been flagged for fraudulent activities. Then was told to phone ABSA's Fraud Division, who asked some questions and sent me some forms (they didn't mention anything about being flagged). I was told to destroy the card and send them proof.
Now there's going to be an investigation (which will apparently take about a week) and then, based on the merits of the case, they may or may not reverse the charge. Does anyone know if it's more likely that they'll refund me or not? I'd really rather not lose that much money. They didn't mention anything, but would it be better to open a case at the SAPS?
I've been buying online for years and this has never happened to me before. I have no idea how the fraudster got my details, so no idea how to prevent it from happening again. As far as I knew, I was doing the right things - only buying from reputable merchants, secure sessions in the browser, no clicking of spam links, etc.
When using it in shops, nobody took the card out of my sight (although I hadn't been using it much recently, anyway). It was a chipped card as well (although I doubt that's as secure as the banks want you to believe).
So, it really can happen to anyone.
Am just really really glad I said no when VM phoned me a month or so ago, asking if they could increase the limit.:erm:
2012-09-04 SNCF TGV.COM MONTRY FR -1 065.85
Strange, I don't remember using the card yet this month...?
:wtf:
Googled the merchant... Aaaarrrgggh! Some bastard in France is taking a train trip on my account!
Phoned Virgin who cancelled the card and told me my account had already been flagged for fraudulent activities. Then was told to phone ABSA's Fraud Division, who asked some questions and sent me some forms (they didn't mention anything about being flagged). I was told to destroy the card and send them proof.
Now there's going to be an investigation (which will apparently take about a week) and then, based on the merits of the case, they may or may not reverse the charge. Does anyone know if it's more likely that they'll refund me or not? I'd really rather not lose that much money. They didn't mention anything, but would it be better to open a case at the SAPS?
I've been buying online for years and this has never happened to me before. I have no idea how the fraudster got my details, so no idea how to prevent it from happening again. As far as I knew, I was doing the right things - only buying from reputable merchants, secure sessions in the browser, no clicking of spam links, etc.
When using it in shops, nobody took the card out of my sight (although I hadn't been using it much recently, anyway). It was a chipped card as well (although I doubt that's as secure as the banks want you to believe).
So, it really can happen to anyone.
Am just really really glad I said no when VM phoned me a month or so ago, asking if they could increase the limit.:erm:
