Found someone has/is committing CPA fraud after gaining my Debit Card Details

[dx100uk]

your issue is nothing to do with your debit cards now, it's called CPA - Continuous Payment Authority, 

once a CPA is set up using a valid card with the last 3 digits of the CVV on it's back it remains active until YOU cancel it regardless to a change of card.

 

you need to contact HSBC and demand they cancel ALL existing CPA's and not to allow any further CPA's without your WRITTEN authority.

 

you have used the word 'dealer' several times, i can see english is not your 1st language, but i can't workout what you mean by using the word dealer.

 

dx

 

 

On 16/03/2021 at 22:29, elainecll said:

The problems seemed to have started from my son playing Pokemon games on his android mobile.

also please explain how you think this is the case?

your CVV number would not be available via this medium. 

[dx100uk]

and you need to answer the questions asked earlier too 1st

[dx100uk]

it is not a direct debit , it is a continuous payment authority set up using the original card when it was still active.

you need to demand from HSBC that they must cancel and refund ALL CPA's against the bank account.

cancelling or getting a new card does NOT cancel any CPA's .

 

Continuous payment authorities (financial-ombudsman.org.uk)

 

 

[dx100uk]

42 minutes ago, elainecll said:

it is done via a continuous payment authority

read the last link i posted.

 

dx

[dx100uk]

let us know how you get on.

simply DEMAND that HSBC  cancel and REFUND all CPA's since date xxxx (you work out the date all this fraudulent use started).

they MUST under FCA rules as it is the result of ID Fraud.

 

dx

 

[dx100uk]

no.

have you done a CPA reclaim?

 

 

[dx100uk]

just type no need to keep hitting quote........

 

you don't write you pick up the phone and use your banks telebanking line and get them reclaimed and cancelled.

you didn't and still don't (really) know you had CPA's so the bank most certainly wouldn't have ever bothered to refund them as you didn't know they even existed nor what they were to complain about in your 'appealing letter' to them

 

 

 

 

[dx100uk]

not allow them to do what?

 

dx

 

[dx100uk]

what about the CPA's...from post 1 you have not answered if you have directly phoned your bank and done anything about cancelling and reclaiming CPA's, despite numerous advice to do so?

 

CPA's are nothing to do with and are a totally separate issue from cancelling direct debits and will not be cancelled by asking Direct debits to be cancelled.

 

dx

 

[dx100uk]

Continuous payment authorities (financial-ombudsman.org.uk)

 

where available any DD can be cancelled by a bank's customer by logging into your online banking portal and cancelling them, that's written in the banking code. its also quite clearly states a bank cannot refuse a customers request.

 

the op has to date never confirm they have actually directly asked or even mentioned CPA to their bank nor to cancel all CPA's, they appear as many people do to fail to even know CPA's existed.

 

 

[dx100uk]

On 16/03/2021 at 23:54, dx100uk said:

your issue is nothing to do with your debit cards now, it's called CPA - Continuous Payment Authority, 

once a CPA is set up using a valid card with the last 3 digits of the CVV on it's back it remains active until YOU cancel it regardless to a change of card.

 

you need to contact HSBC and demand they cancel ALL existing CPA's and not to allow any further CPA's without your WRITTEN authority.

 

dx

 

 

already explained the answer you last question almost a month ago^^^

[dx100uk]

thats ok. so doing will sort the likes of Google Play, YouTube , Amazon , 02 and eBay etc, that you mentioned in your 1st post.

once the CPA for each is cancelled, payments will no longer go through.

 

to answer the other bit which i think you are asking, regarding your new cards, no the hacker will not be able to find out the new card details as long as you've now taken the appropriate security measures and steps on all your devices to prevent this happening again.

 

don't be scammed into thinking things like using a VPN will prevent it ..

 

 

 

[dx100uk]

continuous payment authority is not direct debit.

 

you as a customer are quite within you legal rights to demand they to cancel ALL CPA's linked to your bank account, 

i would politely suggest you stop talking to clueless phone banking operators and ring again and ask to speak to their supervisor/manager.

[dx100uk]

how much are you out of pocket please?

[dx100uk]

you indicated earlier you had changed passwords on google.

simply go into settings on google and disconnect all logged in devices.

[dx100uk]

well if even more money has been taken by CPA on cards then you really need to up the complaint to HSBC.

and log in to google settings and disconnect all logged in devices 

[dx100uk]

that's because everything was done via Continuous Payment Authorities set up using the original card when it was still active.

cancelling a card and issuing a new one does NOT cancel CPA's.

 

not too sure how many more times i need to say this.

 

there were no existing Direct Debits that played any part in the mass fraud.

[dx100uk]

sadly both yourself and HSBC do not understand how the hacking works.

google pay IS CPA its not a DD. if it was a DD , where is the copy of the Direct debit mandate you signed...there isn't one ..

 

last break this down..

 

disputed payments - 4 November 2020 <> 3 February 2021 for the total amount of £2,621.44. The disputed transactions took place using four of your HSBC Debit Cards. - i doubt you said using 4 cards at all.

 

notice carefully they fail to mention what the you stated in post 1at ALL.

 

in November of last year, as when I was out shopping I found out my card had been suspended by HSBC. I was then contacted by the bank informing me that the account had been hacked, so HSBC then issued to me a replacement card.

 

but have said: The debit card ending 0297 was created on 23 August 2019 and was sent to the address we hold on file. The card was stopped on 17 December 2020  ...they are hiding something here ..a fatal bank mistake.

 

nothing HSBC has put actually means anything, it's all twaddle proving they have never even thought about CPA on card 1.

even the Roblox IP comment and google play transactions can all be explained because....

 

i suggest all this stems from your sons gmail account being hacked, them being able to read all the emails in/out on the gmail online portal and thus being able to log-in to google pay , get the 1st cards details from funding source page..away they go.

 

all of the fraudulent transactions thus made via google pay to ebay etc and o2 or a account that got setup via the 1st card before it got cancelled in december....

 

pretty simple when you break it down.

 

rather than you typing things up it's much better to scan letters etc to pdf please.

if and when you do SAR HSBC then all of the above can be proved.

 

 

[dx100uk]

Tips for using Google Pay – Google Pay (UK)

 

it's NOT Direct debit!!

[dx100uk]

Gpay is not a DD.

 

dx

 

[dx100uk]

[dx100uk]

no need to got to those lengths.

 

i've explained CPA numerous times.

 

YOU can't cancel it, you have to ring the debit card issuer in this case HSBC and demand they cancel ALL cpa's on xx bank account.

then you start again putting the ones back you need using the NEW CARD on the relevant sites like Gpay . it will have a new ref number so as long as the old CPA's are cancelled job done, the hackers cant' invoke the old CPA as its dead.

 

when was the LAST time the hackers successfully paid for something ? 

[dx100uk]

me no get angry with anyone never do..., please don't mistook CAPS as anger or shouting...

[dx100uk]

what proof do you have from HSBC that HSBC HAS cancelled all CPA's ?

[dx100uk]

can you scan that up please to PDF?

remove acoount.name etc but leave dates