Hey all, urgent matter because the banks are taking forever to get through their phone lines. My dad just fell victim to a remote access scam where the scammers got hold of his debit card details and everything. Normally the debit card in question should be there to be disabled but the card is not there on his account anymore. They only took out $500 so far and he's with CommBank.
What to do to stop further money from being drained?
Or via bank's facebook page or other social media, even
on hold at the moment and have been for the past hour
Can you block it on the app?
no the debit card has fully disappeared
Disappeared from the app?
Go to an ATM or EFTPOS machine and keep punching the wrong number until it gets locked. Usually there online chat is very quick, I fully deleted 2 accounts in about 5 minutes the other day. It did it was sending for human verification then I got a chat email saying done.
Transfer the money to a linked commbank account (like esaver account) that's not accessible by the card ?
It looks like the whole family (including mum, dad, son/daut) only has one bank account. The money has nowhere to go.
Go to:
https://www.commbank.com.au/support.security.how-to-report-f…
Select either:
Message Us
or
Fast-Track your Call in the CommBank App
I thought all the fraud phone numbers were faster to get through for this very reason? Luckily I haven't had to use them yet though myself so not sure if true
Skip the security questions
Your identity is confirmed in the app, so we'll know it's you who's calling and we’ll be ready to help you as soon as you're connected
Isn’t there a priority number on the back of the card?
With Commbank its generally only really upto 10 pm I think
Go to an ATM with the physical card and withdraw all the money - how much we talking as ATM will have daily limit.
Have another crack after midnight.
Do you have the card linked to PayPal ? If not do so, then access your funds through PayPal by sending money to a trusted friend's PayPal account.
It can take a day or two for a bank transfer to be completed with PayPal
Log in to your commonwealth and create a savings account (through the website or app) than transfer all the money
Drive to an atm and withdraw all your money?
thank you for your reply, issue is finally being dealt with.
Yeh commbank are useless. You’ll get your money back eventually but keep on hold. Sigh
This is exact reason why I dont bank with Combank, they will automatically allow account overdraws,
So simple to deal with ING, that no account is overdrawn generally, so in your situation I would only have to set account to $0 and no further money can be deducted (unless some exceptions like regular direct debits etc. but I have had even those decline too with ING).
Also be very careful of applying any Combank credit line, as you bank with them, and if you are your account overdrawn at ANYTIME (i.e. even gone to -$0.01) from my knowledge combank will automatically decline your Credit line applications as it would deem you risky (stupid algorithms dont understand context most of times)
Anyway I would suggest you go to a OPEN Commbank branch ASAP and speak to someone there about it (It will be a lot lot quicker than talking to them over phone From my experience) And give them all necessary information.
Commbank is pretty good in recovering funds from any fraud activity.
Plus dont forget if the fraud was done through a Debit Card (assuming it's a Mastercard Debit Card), Mastercard would have their own fraud protection applicable on that card too (enforceable by Commbank only though). But Keep in mind it can take roughly upto a month to get full funds back.
Go into a branch and have the card locked asap. Might be faster than calling them.
I was scammed a month ago. Called them as soon as it happened. Took an hour to get through, told them all the transactions that were fraud and to make sure they did not allow them through.
Gave me a speel about being protected with Commbank up to $100k.
A week later the transactions cleared, so I called and asked why they had let them through.
Came back with a lame excuse about HAVING to let pending transactions process, even when I called them to tell them they were fraud and I did not want those payments to process.
I am now $10k out of pocket as Commonwealth bank told me it was my fault, even though they could see this was done via a mobile phone from Taplow in the UK.
Each time we have tried to call them it has been over 1 hour to wait and the other day we waited 2 hours, they picked up the phone and then pushed us back to the main menu again.
They are so focused on first contact resolution, that they are not actually helping victims of fraud.
Now with the ombudsman and I am changing banks.
Barely use my card and it has been cloned 3 times in a year.
I work in IT, so know what to do and not to do with tech, and when purchasing online what to look for, ergo there is a more sinister problem happening with the details the bank has about me and my cards.
Any luck getting your money back and how did CommB decide it was in fact your fault?
When you first got through, it is important to ask for the support operator at the other end for your case ID and the name of the operator. You can now use this case ID as evidence that your call was indeed logged and your request made should you need to complain to the ombudsman.
Always remember to record all details when making contacts with the bank in fraud situations. Leaving an audit trail helps the ombudsman to know exactly how to chase it up and expedite the process should a problem occur.
Every bank has contact number after hours where you can in this situation ask to have the card blocked
Call the bank or chat via their web site.