Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.




130 posts

Master Geek


Topic # 53241 9-Dec-2009 19:41
Send private message

A few days ago, I noticed a $70.02 transaction out of my account which I knew nothing about. I promptly rang my bank to enquire. Turns out it's from a company called 'Comet com', which I have not heard of until now. Calling also revealed a recent attempt at taking near $2000 for a company called 'Bravofly' which appears to be a flight booking site, a transfer which was denied due to lack of funds.

I concluded that somebody had stolen my Visa Debit card details. Westpac's solution was to try to get my $70.02 back, a process which involved waiting a few days for the payment to clear fully and then filling out a form which would I would send to the bank and would either be accepted (in which case I would get a refund) or denied (I would have to pay $10). I suggested cancelling the card, since I figured this would stop whoever has my details from being able to use it to buy things, but the customer service representative said that the card was only a 'mould' and they would still be able to use it somehow.

So it seems the final solution is to try reverse the $70.02 transaction. But this doesn't seem to solve the main issue of someone using my details to buy things...

Since my bank doesn't seem to know what to do, what should I be doing? Should I take all the money out of the account which the card is linked to to prevent further activity? Should I cancel the account? Or should I just get the $70.02 refunded and hope no further money is taken...

View this topic in a long page with up to 500 replies per page Create new topic
 1 | 2
2772 posts

Uber Geek
+1 received by user: 214


  Reply # 280967 9-Dec-2009 20:00
Send private message

That seems a bit slack on Wespac's part!

I remember about 3 years, a few days after I got back from my overseas trip of about 3 months, I got a call from the BNZ asking if I had just used my credit card to buy groceries in Brazil!
Of course I said no and they promptly cancelled that card and organised a new one, which has a new account number etc.
So somewhere along the line while overseas someone stole my credit card details and must have sold them somewhere as I didn't go anywhere near Brazil.




3670 posts

Uber Geek
+1 received by user: 545

Trusted
Subscriber

  Reply # 280968 9-Dec-2009 20:03
Send private message

The first thing you need to do is demand to speak to a different customer service rep. The card most certainly can be cancelled as the logs from the online payment gateway that I monitor often show transactions as having been declined with the narration 'lost card' or 'stolen card'. In fact, banks usually insist that cardholders contact them immediately if they suspect a security breach so that the card can be cancelled.


If you still don't have any luck out of them then you need to obtain a copy of the terms and conditions that you would have consented to at the time the card was issued. Within those terms and conditions there should be a section which specifically sets out the conditions under which you can terminate the agreement. If you take whatever action is set out there then you should theoretically not be liable for any further transactions on the card. The terms and conditions should also clarify to what extent you're liable for any unauthorised transactions that have already occurred.


Good luck.

 
 
 
 


50 posts

Geek
+1 received by user: 2

Trusted

  Reply # 280982 9-Dec-2009 20:18
Send private message

Hi fraseyboy

Seems a little odd. If you can PM me your details (phone number is fine - I don't want your card details ;-) ) I'll try to track down someone at work to give you a better answer. I would have thought we would be cancelling the card and reissuing a new one with a new number, but I don't work in the cards area - so I'll find out for you

Cheers



130 posts

Master Geek


  Reply # 280987 9-Dec-2009 20:23
Send private message

Hi Gabba, I'll do that.

I thought it seemed a bit odd the way they were dealing with things. I've rung them twice now and both times I got pretty much the same response, to wait for it to clear and file some thing to get a refund. They also suggested emailing the company that got my money, which is 'Comet Com' in this case. I really have no idea who comet com is, but the first result on google is comet.co.uk which is a computer shop. Should I email them and see if they know anything about it?

What should I be doing in the here and now? Taking all the money out of my account and putting it in another?

3670 posts

Uber Geek
+1 received by user: 545

Trusted
Subscriber

  Reply # 280988 9-Dec-2009 20:35
Send private message

This really does highlight the risks associated with debit cards. At least with a credit card you can withhold payment until you are satisfied of the legitimacy of the items on the monthly statement.

Sweeping cash away from the bank account to which the debit card is linked sounds like a sensible thing to do to protect yourself until you get a more permanent resolution.

1528 posts

Uber Geek

Trusted

  Reply # 280997 9-Dec-2009 20:47
Send private message

Strange.

The simplest and most logical thing to do, is to cancel the card...the fact the bank has not done that already is disappointing.

Call the bank again, do not ask for suggestions or advice, just request the card be canceled immediately, full stop.
No negotiation, no discussion, just cancel the card.

Then ask to have a new debit card issued, and pick it up yourself from the bank to make sure no one intercepts your mail and reads the new number.

No more issue.




HTPC: Silverstone LC16M | abit IP35 Pro | Intel Quad Q9400 2.5GHz | Corsair 520HX | Samsung SH-S203D DVD Writer | NVIDIA GeForce GT 240 512MB RAM | 2 x 750GB Western Digital Caviar GP HDD | 4GB DDR800 RAM | D-Link DWA-547 Rangebooster N 650 Desktop | Blackgold BGT3540 | Microsoft Remote Control & Remote Keyboard for Windows Media Center | Windows 7 64bit

Mobile: Nokia N97, Nokia N900, Samsung Galaxy S, HTC EVO 3D, iPhone 4S, Samsung Galaxy S III (current)



130 posts

Master Geek


  Reply # 281019 9-Dec-2009 21:18
Send private message

If I cancel the card, will I still be able to fill out the form to reverse the $70.02 transaction?

424 posts

Ultimate Geek
+1 received by user: 2


  Reply # 281025 9-Dec-2009 21:27
Send private message

Just a suggestion, if you still have problems, suggest you'll lay a complaint against them with the Banking Ombudsman unless you get satisfaction.

1528 posts

Uber Geek

Trusted

  Reply # 281052 9-Dec-2009 22:47
Send private message

fraseyboy: If I cancel the card, will I still be able to fill out the form to reverse the $70.02 transaction?


I do not work in a bank so cannot answer that question definitively, but I do not see any reason why not...at the end of the day, regardless of whether you cancel the card or not, you still have a disputed transaction, believed to be due to fraud/theft, which the bank must look at and consider for reimbursement/reversal.

That is besides the point...the $70 is the least of your concerns...as long as that card is still active, they can make more transactions, so hence an ongoing cycle of disputed transactions requiring reversals...just cancel the card.

Even if you loose the $70, its better than keeping the card active and loosing even more...just cancel the card.




HTPC: Silverstone LC16M | abit IP35 Pro | Intel Quad Q9400 2.5GHz | Corsair 520HX | Samsung SH-S203D DVD Writer | NVIDIA GeForce GT 240 512MB RAM | 2 x 750GB Western Digital Caviar GP HDD | 4GB DDR800 RAM | D-Link DWA-547 Rangebooster N 650 Desktop | Blackgold BGT3540 | Microsoft Remote Control & Remote Keyboard for Windows Media Center | Windows 7 64bit

Mobile: Nokia N97, Nokia N900, Samsung Galaxy S, HTC EVO 3D, iPhone 4S, Samsung Galaxy S III (current)



130 posts

Master Geek


  Reply # 281160 10-Dec-2009 11:32
Send private message

Ok. Well Gabba above made contact with me and sorted things out at the bank. The $70.02 should appear back in my account tomorrow. I will also receive a disclaimer via email which I need sign and send to the bank. They also cancelled my card.

This is good. But the customer service person should have done this the first time I rung....

Oh well. I think it should be all sorted now.

1528 posts

Uber Geek

Trusted

  Reply # 281210 10-Dec-2009 14:17
Send private message

Glad ya got it sorted, kudos to Gabba!




HTPC: Silverstone LC16M | abit IP35 Pro | Intel Quad Q9400 2.5GHz | Corsair 520HX | Samsung SH-S203D DVD Writer | NVIDIA GeForce GT 240 512MB RAM | 2 x 750GB Western Digital Caviar GP HDD | 4GB DDR800 RAM | D-Link DWA-547 Rangebooster N 650 Desktop | Blackgold BGT3540 | Microsoft Remote Control & Remote Keyboard for Windows Media Center | Windows 7 64bit

Mobile: Nokia N97, Nokia N900, Samsung Galaxy S, HTC EVO 3D, iPhone 4S, Samsung Galaxy S III (current)

Bee

591 posts

Ultimate Geek
+1 received by user: 109


  Reply # 281218 10-Dec-2009 14:51
Send private message

As soon as I saw the subject for this thread I knew it would be Westpac!

One more suggestion: Change banks!

Westpac used to be called "Westpac trust" but since no one trusts them anymore they removed that part from their name!


652 posts

Ultimate Geek
+1 received by user: 27

Trusted
Subscriber

  Reply # 281225 10-Dec-2009 15:29
Send private message

Bee: As soon as I saw the subject for this thread I knew it would be Westpac!

One more suggestion: Change banks!

Westpac used to be called "Westpac trust" but since no one trusts them anymore they removed that part from their name!



Hrm, that's a bit of a generalisation.

I have my business banking with Westpac and was in the same situation last year with a rogue charge on my business credit card. Westpac were pretty good with the issue overall.

I also had to fill in the form and they cancelled my card for me without too much dicking around that I can recall.

I think perhaps you might have just caught a CSR having an off day?

I'm @nate
6290 posts

Uber Geek
+1 received by user: 374

Moderator
Trusted
Subscriber

  Reply # 281336 10-Dec-2009 23:13
Send private message
20183 posts

Uber Geek
+1 received by user: 3782

Trusted
Subscriber

  Reply # 281367 11-Dec-2009 01:38
Send private message

Now go get a _credit_ card so that your money is not at risk to the antiquated visa processing system that just needs 16 digits, 3 digits and a date to charge you whatever they want.

debit cards are _BAD_ until they get their security sorted out...




Richard rich.ms

 1 | 2
View this topic in a long page with up to 500 replies per page Create new topic



Twitter »

Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Symantec protects data everywhere with Information Centric Security
Posted 21-Sep-2017 15:33


FUJIFILM introduces X-E3 mirrorless camera with wireless connectivity
Posted 18-Sep-2017 13:53


Vodafone announces new plans with bigger data bundles
Posted 15-Sep-2017 10:51


Skinny launches phone with support for te reo Maori
Posted 14-Sep-2017 08:39


If Vodafone dropping mail worries you, you’re doing online wrong
Posted 11-Sep-2017 13:54


Vodafone New Zealand deploy live 400 gigabit system
Posted 11-Sep-2017 11:07


OPPO camera phones now available at PB Tech
Posted 11-Sep-2017 09:56


Norton Wi-Fi Privacy — Easy, flawed VPN
Posted 11-Sep-2017 09:48


Lenovo reveals new ThinkPad A Series
Posted 8-Sep-2017 14:37


Huawei passes Apple for the first time to capture the second spot globally
Posted 8-Sep-2017 10:45


Vodafone initiative enhances te reo Maori pronunciation on Google Maps
Posted 8-Sep-2017 10:40


Voyager Internet expand local internet phone services company with Conversant acquisition
Posted 6-Sep-2017 18:27


NOW Expands in to Tauranga
Posted 5-Sep-2017 18:16


Windows 10 Fall Creators Update coming Oct. 17
Posted 4-Sep-2017 14:10


Garmin introduce Garmin vivoactive 3
Posted 1-Sep-2017 18:38



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.