What Happen after Fraud Payment

[stadinslangi]

I ask bank to send me a replacement bank card for a damaged one in beginning of Feb. Bank phone service told me that it took more than four days, which is already drop out of my staying time in Finland. Then I asked bank to keep it. If everything stop there, thing would be fine. However, few days back, I noticed there are "cover reservation" for a list of purchases was made, up to 10k was used from a electric card linked to my account. I called bank. They told me they know it now but I still need to make a paper application. I made it, thinking being fast react will put me in luck side.

Few days ago, I noticed all cover reservation was deducted from my account and money is gone. I call bank again, bank said they can not do anything. I have to send report, then after 2 months, they will start investigation. At the same time, they also told me that they had sent the card to me to the address in bank system, which I already told them that is very old address and do not need to use it any more. So, now it seems bank had washed all responsibility of mishandling card....

what gonna happen then??? Who can advice?

Sorry that my experience in other credit card companies do not apply here.

[wolf80]

First of all, I would not leave that to the bank but go to the police immediately. After all this is a serious case of fraud.

Did you tell the bank that the address is old BEFORE you ordered a new bank card? Do you know who lives now at this old address? That's where the card and the codes were sent, so these people should now what happened with them.

About the previous withdrawals, after a cover reservation is made the money is gone on a regular bank card, that's how it is. Did you make sure the bank has really cancelled the bank card now?

[Hämeen Hitain]

Which adress is in in the population Data System?

[stadinslangi]

Which adress is in in the population Data System?

thanks for the advice. I am now contacting the commerce, bank and police.

[stadinslangi]

First of all, I would not leave that to the bank but go to the police immediately. After all this is a serious case of fraud.

Did you tell the bank that the address is old BEFORE you ordered a new bank card? Do you know who lives now at this old address? That's where the card and the codes were sent, so these people should now what happened with them.

I just did it a few days ago. it seems police react much faster than the bank. Really terrible. I did not know bank is so sloppy.

[Upphew]

First of all, I would not leave that to the bank but go to the police immediately. After all this is a serious case of fraud.

Did you tell the bank that the address is old BEFORE you ordered a new bank card? Do you know who lives now at this old address? That's where the card and the codes were sent, so these people should now what happened with them.

I just did it a few days ago. it seems police react much faster than the bank. Really terrible. I did not know bank is so sloppy.

I'm not 100% sure, but I think that in bank's eyes there isn't fraud if there isn't paper from police that you have reported one.

[tjawatts]

As soon as you notice any suspicious activity you need to call the bank and get the card cancelled.

To claim back any money taken by fraud. You need to fill in a paper form and make a report to the police (and give a copy to the bank).

It seemed a bit strange to me, as you would think the bank would want to stop the fraud ASAP and investigate before the criminals have moved on.

It happended to me recently.

The question is how the card details got into the wrong hands. The bank might not refund you if they see it as your fault.

T