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Someone used my debit card online without my knowledge


Asteria

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Hi everyone I hope this is the right place to post this,

 

This week I found out that someone had used my debit card to do some shopping online. The transaction was done on Monday and the money was transferred on Wednesday. Luckily I found out about this on Wednesday, so I called my bank immediately where they instantly blocked my card and sent me a new one which I have already received. During the phone conversation I was having with the bank, I was told specifically that the person had done the transaction online. 

 

I could see the name of the brand so I emailed the brand themselves to give me the delivery information for the purchase as I wanted to report it to the police for identity theft. Just now I received an email from the company stating that they cannot provide any further details to me directly and that I should contact my bank instead (which I already told them I had done so). 

 

This is the first time that's happening to me, so I was wondering if anyone has had the same or similar experience? Does the bank also get the delivery information for the transaction and if so they must be reported straight away right?

 

 

It just annoys me so much to think whoever did this might have already received their items and enjoying it all for free without getting into trouble :unsure: 

 

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I don't think the bank is supposed to get any kind of information about who made a transaction online, the only way for you to find is to contact the brand (which didn't help, it seems). Also, take in mind that if they stole your card information, it's very likely that they used a fake name or even your name. I'm sorry it happened to you, I hope you didn't lose much. Did you have the card with you all the time?

 

(try getting it to the police) 

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The procedure in my country is Bank--->Police--->Seller---->Police---->Bank.  The bank only have seller bank information not the purchaser.

 

It happen to me once, the seller didn't reveal who is the buyer directly, so I call the police and make report. Transaction can't be undone, the seller need to refund. For my cased it got dragged for 2 month, but the police and bank help me to settle this mater. 

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I don't think the bank is supposed to get any kind of information about who made a transaction online, the only way for you to find is to contact the brand (which didn't help, it seems). Also, take in mind that if they stole your card information, it's very likely that they used a fake name or even your name. I'm sorry it happened to you, I hope you didn't lose much. Did you have the card with you all the time?

 

(try getting it to the police) 

I'd imagined the name would be fake but the address would've definitely helped. I had my card with me and I didn't even get out of the house this week because I'm ill  :unsure: It really felt like the brand was protecting that person, this is so wrong.

 

The procedure in my country is Bank--->Police--->Seller---->Police---->Bank.  The bank only have seller bank information not the purchaser.

 

It happen to me once, the seller didn't reveal who is the buyer directly, so I call the police and make report. Transaction can't be undone, the seller need to refund. For my cased it got dragged for 2 month, but the police and bank help me to settle this mater. 

Ahh I didn't know that the bank wouldn't get information of the purchaser, I thought maybe because you need to put in the delivery and billing address it may be sent to them as well. When I called the bank they asked me if I had contacted the police and I said no, they didn't say anything after that like I should contact them after I speak to the bank or something. I did get a refund the next day after I reported it to the bank, it wasn't a massive amount. But I just hope the person won't be able to do this again.

 

Thank you both for your replies, I emailed the bank and I'll hopefully get some good news from them.

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