Bank fraud. Help! - Page 2

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Bank fraud. Help! - Page 2


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  #11 (permalink)  
Old 1st April 2016, 11:05 AM
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Good for you! Sometimes it takes a while to figure out the system here - but you definitely have got it right. First you notify your bank to cancel the card(s). Then you make a police report. Then you take the police report to the bank for them to do their thing. (Should have remembered that from when my purse was ripped off in Paris.)

I suspect you may actually get a pretty good reception at the bank - since you have all the necessary paperwork (i.e. the police report) well in hand.
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Old 1st April 2016, 04:24 PM
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Originally Posted by Bevdeforges View Post
Good for you! Sometimes it takes a while to figure out the system here - but you definitely have got it right. First you notify your bank to cancel the card(s). Then you make a police report. Then you take the police report to the bank for them to do their thing. (Should have remembered that from when my purse was ripped off in Paris.)

I suspect you may actually get a pretty good reception at the bank - since you have all the necessary paperwork (i.e. the police report) well in hand.
Cheers,
Bev
I would have thought that it was the same wherever you live or are visiting, if you lose your card, have it stolen or cloned then the first port of call would be to cancel then the police and then visit the bank. Does it not work like that in the States?
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Old 1st April 2016, 04:51 PM
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The paperwork trail is a bit specific here. You basically can't do anything without that police report.

In the States, it's not always the case that the police will take a report unless you have some "proof" as to where or by whom the information was stolen.

In France, you have to show a copy of the police report in order for the bank to replace the credit card. (Also you need a police report to replace your carte de séjour if it was stolen or if you have simply reported it missing.) It may be simply a case of more formal procedure.
Cheers,
Bev

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Old 1st April 2016, 05:05 PM
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Originally Posted by Bevdeforges View Post
The paperwork trail is a bit specific here. You basically can't do anything without that police report.

In the States, it's not always the case that the police will take a report unless you have some "proof" as to where or by whom the information was stolen.

In France, you have to show a copy of the police report in order for the bank to replace the credit card. (Also you need a police report to replace your carte de séjour if it was stolen or if you have simply reported it missing.) It may be simply a case of more formal procedure.
Cheers,
Bev
Wow, you learn something new everyday. I must say though that doesn't seem very logical It is also the case in the UK as in France, the bank will not do anything unless you have reported it to the police and get a 'crime number' which is basically your case reference number.

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Old 1st April 2016, 05:23 PM
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I would have thought that it was the same wherever you live or are visiting, if you lose your card, have it stolen or cloned then the first port of call would be to cancel then the police and then visit the bank. Does it not work like that in the States?
No, there's no requirement in the US to advise the police. You might choose to do so if you have some knowledge that the police can act on, otherwise there's no point.

The bank will immediately deactivate the card, then discuss which transactions appear fraudulent, and refund them. Generally your replacement card will be in the mail the same day. It's happened to me a few times with Amex (not a credit card) and I've had my new card within hours, in both the US and Australia.

This is the case in most countries. In the UK the bank might, as a matter of form, advise you to make a police report, but even without it they will block the card, investigate and refund the fraudulent transactions.

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Old 1st April 2016, 06:12 PM
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Although, of course, no police report increases the chances of organised credit fraud rings getting away with it for longer, or being charged with fewer crimes.

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Old 1st April 2016, 06:19 PM
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No, there's no requirement in the US to advise the police. You might choose to do so if you have some knowledge that the police can act on, otherwise there's no point.

The bank will immediately deactivate the card, then discuss which transactions appear fraudulent, and refund them. Generally your replacement card will be in the mail the same day. It's happened to me a few times with Amex (not a credit card) and I've had my new card within hours, in both the US and Australia.

This is the case in most countries. In the UK the bank might, as a matter of form, advise you to make a police report, but even without it they will block the card, investigate and refund the fraudulent transactions.
They will cancel the card and issue a new one but they won't investigate or refund you unless you have reported it to the police and you have a crime number. What's to stop anybody ordering a load of stuff online and then pretending to have their card stolen or cloned? I realise that that could happen anyway but it is not very likely to happen when you are made to go and report it to the police. I have just been through this with a card that was fraudulently used after my mum died.

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Old 1st April 2016, 06:23 PM
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It is not compulsory in France to file a complaint, some banks require this, others do not:

Fraude à la carte bancaire - Plainte non obligatoire - UFC Que Choisir

However it is sensible to do so because it sets things in motion to find the criminal(s) who have used your card fraudulently. And if your bank is one of those that expects you to do so, you will have saved some time.

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Old 1st April 2016, 06:25 PM
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It is not compulsory in France to file a complaint, some banks require this, others do not:

Fraude à la carte bancaire - Plainte non obligatoire - UFC Que Choisir

However it is sensible to do so because it sets things in motion to find the criminal(s) who have used your card fraudulently. And if your bank is one of those that expects you to do so, you will have saved some time.
Although, of course, the police report will most likely be marked 'sans suite' and filed.
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Old 7th April 2016, 08:17 PM
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Definitely good to know about the police report. I have had fraudulent activity on my card several times over the years in the US and never delt with anyone but my CC company. All was resolved and refunded (new card issued, etc.).

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