Claiming back unauthorised VISA Debit and Credit Card payments

That doesn’t necessarily eliminate other merchants and previous purchases. It is possible your card was skimmed and the information on-sold, or passed on, and only used now.

Other options to look at are how did you pass on your card details to pay? :
. Did you pay Magnamail or the merchant directly via your browser?
. Was it via a bank or other secure payment system?
. Did you see the key symbol on your browser to indicate it was SSL?
. Or, was it some other way?

As you can see, there are lots of ways that your card details could be compromised.

Hi all, had this happen to me three twice with ANZ and Once with BankWest, at times I called but still had to fill out forms and my cards were cancelled had to get new cards, I remember once I was going away and had to receive the card in another state. The other card was canceled in NSW for miss use, as I use my cards over seas and travelling in other states I advise both banks where I am travelling so they keep track it is a hard thing when a card is missed used and there no bank of the type of card you have to get a replacement. Traveling through some countries I have came across persons with scanner and bumping into you to scan your card I now place my cards in a protective sleeve and wallet take all receipt when you make a purchase and watch the ones that take your card from you and what they do with it.
Al

I paid via Paypal. Tried to contact them today and report a possible problem — but STILL can’t see any of my transactions after 17 Oct. - The Magnamail one was on 23 Oct, the problematic ones 2 days later…
Anyway, Magnamail sent my parcel (badly packed, 1 item missing) - but I emailed and they will refund the cost of the missing item (actually the cheapest item I ordered). So, maybe not their fault either – maybe Suncorp got hacked? One only hears about such problems much later.

So, just will have to wait and see – luckily, my husband’s card (with a different number) still works - so no major problems.

If the only transactions after 17 October were unauthorised ones and they are not in Paypal, it is unlikely that your Paypal account was hacked as they should appear in the transaction list. If you have made other Paypal transactions payments after this date and they don’t appear, then there is a problem with Paypal.

Highly unlikely as this would be all over the news…wouldn’t be hidden as such breaches are very significant and would potentially affect every customer.

I beleive, assumming that you haven’t clicked on a phisking email/website and haven’t used your card for anything else, the weakest link is likely to be Magnamail, followed by Paypal and then Suncorp (which is highly unlikely).

If you have used your card for other purchases, it could have been skimmed at the shops or places where these purchases were made.

If you have entered your credit card details when shopping online (in the past months/year), your credit card information could have been obtained by such means and the dates of purchases might just be coincidental to those you made by Paypal/Magnamail.

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I bank with the NAB and their actions with suspicious transactions is reasonably fast and efficient.

I had a bad experience with Westpac a few years ago. I go every 4-5 weeks to my hairdresser (a sole trader), spend the same amount of money each time ($80) and at that time she was still using a voucher based credit card system. I noticed when reconciling the credit card account that there was an extra debit of $80 on it so I asked the hairdresser about it. She contacted her bank (which bank? - Commonwealth) and they investigated. This cost her many hours on her day off and there was a $15 charge. Eventually they told her it was legitimate. I then contacted Westpac who also told me it was legitimate. I keep all the vouchers so I knew they were wrong. The hairdressing business did not get the extra $80 so she knew it was incorrect as well. Fortunately at that time we had a personal banker (alas no longer as we are retired) and the money was re-credited by that person. If we had not had that personal contact the whole thing would have gone on for much longer while the two banks squabbled over whose fault it was. At no time did anyone offer to prove they were right by showing me copies of the vouchers held by them for the period in question. Another way of ripping money from unsuspecting customers.

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Good Grief!! and they call this the age of speedy technology! Ha!

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Years ago so I hope things have improved. My wife had a card sent unsolicited from a group she belonged to. It stayed in the drawer unused still stuck to the offer letter of offer. For a few months after receipt we began getting monthly statements showing ZERO spent and owing. We ignored them until one month we got one for $7000 ( probably worth twice that much in today’s $$). Cancelled the card immediately although since we hadn’t signed up for it you’d think it wasn’t necessary. Then we got to the fun part. We went through the charges. The first one was for US$30. A bit of sleuthing which included a phone call to Seattle WA and we found the source. The Seattle place was an “adult entertainment site”. The next charge for a substantial amount was to a business in NSW that sold computers. I called them–they were busy and hung up on me. Next called them again introduced myself with the phrase “I’m not paying your bill”. That got his attention since he the vendor hadn’t done due diligence on the purchase he was liable. So then went to our local police station to report the crime. This is where the keystone cops came in. SA was where the cardholder(me) lived, NSW was the vendor and by now we knew the perpetrator lived in Qld. They argued about where the crime might have been committed and who would follow this up. Long story short(er) a 16 year old computer nerd had obtained CC number minus the last few digits. He used a porn site sign in to verify that the last few digits he randomly created were valid then proceeded to buy (online) computer gear from himself and his mates. He got caught because the last shipment hadn’t been sent yet and the police were waiting when he went to collect the goods. I hope things are better today that they were in the 1990s.

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The keystone cops continue to be good at shifting problems ‘somewhere else’. We reported an identity theft case with significant detail, including the perps address, not too many years ago and were met with ‘what do you want us to do about it?’ They did not have a clue nor were interested in getting one.

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I had a phone call from Bendigo Bank at 10pm asking if I had used my Visa Card in a placehundreds if miles away. When I said no , they immediately cancelled the card and issued me a new one. Great service. No idea where the user had got my details from.

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I had a similar experience with my NAB visa card. They contacted me when they noticed my card had been used for on-line purchases at a designer clothing shop (whet does that say about me:-)) and also online chemist all in Australia but clearly not my usual spending pattern. I still had the card so had no idea how my card number was obtained by the fraudsters.There were four transactions three which showed on my account and one they caught before it hit. I too had to send in a form but they cancelled the card and arranged for a new one to be sent. It took about three-four weeks to get the unauthorised amounts refunded.

I had issues with the new card but that is another story!!!

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I have had the same experience with NAB about 5 years ago when I had 2 ‘rogue’ amounts on my card. The debits were immediately reversed and I had a new card card within 7-10 days, with the only disruption being that I had to visit the bank during opening hours and actually draw out ‘cash’ :flushed::flushed::flushed::flushed::flushed: I can also praise them for an incident that happened in July 2017, when NAB was most helpful after I was the victim of a pick pocket gang in Florence Italy. Within minutes of my phone call (about 5 minutes after the robbery took place) my Credit card was cancelled, and of course I had no credit card until I came home in August. However, the two Travellers (Visa Cash Cards) were put on hold until I was able to get back to my hotel and advise the bank which of the two Travellers cards had been stolen. The spare one I had in my hotel safe was then activated and I was able to access all my NAB accounts immediately. All in all considering all the bad things that happen within the banking industry, these 2 incidents have renewed my faith somewhat in the banks.

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Knowing, for many years, that ‘Cards’ used in banking are not part of general banking but issued/controlled by a separate organisation was a surprise to me and it creates confusion and develops wrongful blaming.
I have suffered the freezing/cancelling of cards nonsense twice this year. ‘Cards’ Advisor said to cancel current card and get a replacement - this was because I had, foolishly, allowed a direct debit to be applied to the card by my, then ISP. Much hard copy mail exchanging and a few emails later (two months) I had my part-refund. My bank (NAB) branch counter staff are as baffled as I am.
As stated earlier “…reconnect recurring debits…” happened BUT after no debits had been made for two months, I had felt safe. It seems Visa cards can be accessed too easily by providing businesses, so everyone should very carefully watch their accounts. I check every day!

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My wife asked me to buy product X. $4.95. So I did. I then get said item plus one I did not order but as the price was the same I did not say a thing. But 2 weeks later I looked at my account and these nasty ANDRO TESTRO PRO people STOLE almost $400 in 2 payments from my account. UNAUTHORISED. Now closed. WARNING - watch you buy on line and use pay pal or other such safer tools.

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I hope all has been resolved in regards to getting your money back.

It is very treacherous out there on the Web particularly if dealing with unknown businesses. You get some protection from dealing with major well known shops and their online presences, also by using PayPal and similar, and sometimes locking your Credit Card (CC) unless you unlock for a transaction can help. Commbank as an example allows you to block international transactions and then all you have to do is unlock when you want to allow one then re-lock it again after the transaction has been processed. You could also get a disposable Credit Card to use for what you think may be a risky transaction. EBay and PayPal both have dispute resolution as an added benefit and so should be safer than providing your CC details, as you noted, to suspect dealers.

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