Two fraudulent transactions in six days (2nd after cancelling card)

[ExpatInBerlin]

I’ve been frauded twice on my Barclaycard Avios Mastercard this week, looks to be the same source, the reference is “Amazon” followed by a random combo of letters and numbers and for not a round number (I knew it was dodgy immediately as I don’t use this card on my Amazon account and hadn’t ordered anything from Amazon). The first fraudulent transaction was on 8th but as it was still a pending transaction I couldn’t report it as fraud on the Barclaycard website until AM on 10th, at which point Barclaycard immediately cancelled my card and sent a new one, they have also refunded the frauded amount and it’s showing on the app.

I received the new card in the post yesterday (12th), but then saw this morning on the app that a second fraudulent transaction went through on my old card yesterday and is again still pending, so I can’t report it yet. I can also see multiple “Outstanding Authorisation” transactions for £0, including one for Amazon EU, that suggests my old card has been added as a payment method on other websites. I was surprised and concerned to see the second fraudulent transaction as I assumed that once my card was cancelled on 10th there wouldn’t be further issues. Has anyone else experienced this please?

Interestingly I saw a friend on 10th who has the Barclaycard Avios Plus and he also found a fraudulent transaction on his account dated 8th, though from a difference source. I have previously been frauded on Barclaycard, about a year ago, so I’m now on my third physical card.

[zapato1060]

Online is rife with examples of people being charged a fraud transaction well after card has been closed. CC companies will still allow any merchant that has your old card for monthly services to still charge the card. Its supposed to make life easier for you. Its a “helpful” feature so you dont miss important subscriptions.

[Solejet6]

Exactly the same for me! I also had a fraudulant trasnactions of “Amazon” followed by a random combo of letters and numbers on my Barclaycard Avios earlier this week which I reported to Barclaycard and had swiftly refunded and a new card issued.

[RV]

I was victim of fraud twice with Barclays. In the second occasion I had to call three times to make sure the cancelled card was actually cancelled. I kept trying to use it for small transactions and it would still work! (I really mistrusted the people I spoke with during the fraud claim/complaint and decided to keep checking things myself).

In the other occasion I was victim of mail intercept: the additional cardholder card didn’t arrive on time, and a couple of days after we saw over £9k in dodgy KLM transactions in Ghana (similar to yours, KLM followed by several numbers). How on earth they managed to put through the transactions on what was supposed to be a blocked new card it’s beyond my knowledge!!

[ExpatInBerlin]

Update on this, I called the Barclaycard fraud team yesterday to report the second fraudulent transaction and several pending £0 card authorisations I could see and asked them how this was possible on my new card when my old card had been cancelled two days prior. As @zapato1060 has said, Barclaycard told me that the merchant (in this case Amazon) was still able to charge the old card details (so even though Barclaycard had sent me a new card I was still able to be frauded by the same person who had apparently most likely added my card details to their Amazon account!) To solve the problem they said they would need to put some kind of complete block on my account which would mean no new charges could be made against my account, they’d send me another new card and I would have to update the payment details for any existing subscriptions on the card (this was what I assumed they’d done when they cancelled my card on Tuesday, so I’m glad I now know the difference in the event of any future fraud issues). Hopefully it works!

[Stevie M]

Exactly the same thing happened to me, except there were three Amazon transactions, with the second one happening the day after the card had been cancelled and replaced, and the third after that replacement card was cancelled and replaced. I’m kind of glad it’s not just me as I was getting somewhat paranoid having to call their fraud department for the third time.

On that third call, the agent said she was deleting some tokens which I assume is what allowed Amazon to continue to charge the card despite it being cancelled. I’m surprised that this isn’t standard procedure after fraud though, especially the tokens linked to the merchant in question.

Anyway, that seemed to have done the trick – it was two weeks ago and there have been no further transactions (touch wood).

[TooPoorToBeHere]

Had exactly the same a few months ago – Amazon charges on card.

I was keen to not have the whole card cancelled as I was using it, and Amazon, heavily and thought I might have made a mistake somewhere (charges were part-payment for an order that used vouchers, etc). Amazon chat support would verify that the charges were made by Amazon but obviously wouldn’t say who the account owner was, other than “not me”.

Same from BC – immediate cancellation and re-issue, no argument about the charges with immediate refund.

To give them their due, although a lot of BC admin is shambolic, the replacement-of-fraudulently-used-card process was very slick. New card details immediately visible and usable in-app and the physical card in the post just a couple of days.

Amazon very much plough their own furrow in terms of managing card risk and presumably someone has found a loophole with BC.