How Could Crooks Use a Blocked Card?

EightImmortals on 30/05/2022 - 15:54

Got me scratching my head a bit.
'ol mate noticed some dodgy transactions on their account a few weeks back so called the bank, they blocked all the cards are reissued them.
Then last Saturday he noticed 4 more dodgy transactions using the previously blocked card. Which was cut to pieces when the replacements turned up the other week. The bank told them factory reset all their PC's ipads and iphones and they wont reinstate the online banking until they do.

They rang the bank manager while I was there are we had a chat but she was baffled as well. She (the BM) also claimed that the transactions were verified on Saturday night which 'ol mate denies and showed me his message log. Even if he did accidently approve the transaction how could it go through on a cancelled card?

Has anyone else had this or could think of a way that crooks could scam a blocked and shredded card?

I'm thinking there's a glitch at the bank somewhere but open to all suggestions at this point.

(Their PC scanned clean for any keyloggers or other nasties)

Financial

Comments

  • askbargain on 30/05/2022 - 15:55
    +3

    Not every transaction is processed immediately?

    • EightImmortals on 30/05/2022 - 16:04
      +2

      These ones were three weeks after the card was blocked.

  • Lord Fart Bucket on 30/05/2022 - 15:58
    +2

    If it was a manual transaction, backdated… ?

    • EightImmortals on 30/05/2022 - 16:05

      I'll quiz the BM about that one and see what she says. Apparently they were used to buy gift cards.

  • SF3 on 30/05/2022 - 15:59
    +2

    Sounds like the bank messed up somewhere, and trying to deflect attention away by asking your 'mate' to cleanse their gear.

    The BM wouldn't understand the backend systems and just playing back some canned response when they encounter such situation, is my guess.

    shredded card

    yeah, that doesn't do anything…

    • EightImmortals on 30/05/2022 - 16:06

      I realise that but it was also blocked and new cards issued 3 weeks before the newest scam transactions. I only mentioned it because he couldn't have accidently used the physical card anywhere. :)

      • Kangal on 30/05/2022 - 20:01

        You'll be surprised the amount of times when this happens, it's not the banks fault but the users. So the BM is in the right to go first for the low-hanging-fruit. Other times it could be a scorned ex, an abusive worker in the Bank, or truly the bank has been compromised and it is affecting many many customers (you cannot know unless your lawyer presses/court ordered).

  • rektrading on 30/05/2022 - 16:10
    +1

    Credit card settlements aren't in real-time.

    The charges could've happened sometime before Saturday.

    • EightImmortals on 30/05/2022 - 16:11
      +1

      3 weeks before?

      • rektrading on 30/05/2022 - 16:14

        Things move 🐌 in the credit card 🌎. They still use payment rails invented in the 1940s.

  • rektrading on 30/05/2022 - 16:12
    +2

    Just do a chargeback and move on.

    • EightImmortals on 30/05/2022 - 16:13

      Yeah that's what did the first time and why they're rattled now after it happened again.

      • garetz on 30/05/2022 - 17:45
        +2

        It's not like the old card's details changed after they are blocked, if the card was blocked then the new charges wouldnt have happened, this is 100% the banks fault, resetting pcs and ipods and ipads wont do a dam thing if the card isn't blocked.

  • GG57 on 30/05/2022 - 16:17

    If the card was blocked, and new card(s) issued with a new account, how did you even see the latest fraudulent transactions?

    • rektrading on 30/05/2022 - 16:28
      +4

      Visa and MC debit cards use the same account with different card numbers.

  • whatwasherproblem on 30/05/2022 - 17:52
    +2

    She (the BM) also claimed that the transactions were verified on Saturday night which 'ol mate denies and showed me his message log.

    That sounds like a pretty serious problem actually. Do you mean they somehow spoofed your mate's verification of the transactions? That'd require one or more of his devices to be compromised. If so, he's in for a bit of a ride.

  • John Kimble on 30/05/2022 - 19:38
    +1

    If my memory serves me correctly (and it's pretty fuzzy these days) at the bank I used to work for this happened all the time, basically there are different levels of "blocks". Soft blocks or hard blocks, soft blocks still allow some transactions to go through. No idea if it's the same for all banks.

    Merchants can even push through transactions offline below a floor limit too.

  • jsa on 31/05/2022 - 06:50

    If you have card linked to Google pay. When banks blocks old card and issue new, bank automatically links new card to Google pay and scammer keeps emptying new card even you have not received.card. Unlink card from gpay. Deregister yourself from bank login and register again or change your login details. I think scammer can bpay cash with google paym

    • EightImmortals on 31/05/2022 - 06:59

      I'll ask them, but I doubt it, these are old folk so googlepay might be a bit beyond them.

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