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Bank card sale fraud.

TW02
Level 1: Joiner
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Hello,

I hope someone with better technical knowledge can help.

A relative's bank account shows payment for an online card transaction that they say they have no knowledge about. The bank claim that their mobile smart phone was sent a text with a one time access code that was then correctly input to verify the transaction.

The relative is adamant that they did not receive any such text, but also convinced that the phone never left their personal control. There is no record in the deleted message folder and no happennings that could be related are known..

With stalemate and the

conclusion that the relative is lieing, can anybody confirm that there is no means that the transaction could have been authorised by some fraudster with skill to bypass the system?

I can fully understand the bank's reasoning but equally the transaction is so far removed from the normal

activities of the owner, who is of excellent character and is distraught at the bank's conclusion.

Any technical considerations would be welcome, as whilst Action Fraud have been alerted, it is unlikely that the matter will receive any detailed consideration and there is no further suggestions we can offer to the bank or the ombudsman.

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jonsie
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It needs reporting to the bank as possible fraud

Also speak to the fraud team at O2 customer service

If the number has been cloned then it's possible to get the OTP sent as verification but it's very rare

Was this a sale, a top up or maybe something bought from Google Play?

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jonsie
Level 94: Supreme
  • 86800 Posts
  • 594 Topics
  • 5058 Solutions
Registered:

It needs reporting to the bank as possible fraud

Also speak to the fraud team at O2 customer service

If the number has been cloned then it's possible to get the OTP sent as verification but it's very rare

Was this a sale, a top up or maybe something bought from Google Play?

2020-Awards-jonsie5695219-2




O2 Social Media

SM Icons(Twitter |
Instagram | Facebook)




































5695219-2
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TW02
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Thanks.

It was for a cash collection via a money transfer service to a foreign country(!)

It has been investigated by the bank with the outcome stated. The IP address is consistent with previous normal use

Could the phone number  or sim  be cloned without any access and without it stopping working?

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