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My curve card numbers have been obtained fraudulently and Curve accepted several fraudulent transactions to the tune of £10000.
My underlying card provider detected the fake transactions were unusual and blocked curve from taking the money (while allowing my genuine curve transactions through). However they eventually missed one false transaction and instantly called me to double check, then reversed it.
I then filled in curve’s fraud form but no response from curve so far.
My question for the forum is whether mastercard/curve will detect the underlying card’s action and automatically reverse the transaction all the way to the merchant? Or will they just take the money back from curve and then curve also needs to act?
The underlying card doesn’t seem to understand what curve is as that card’s number are safe, only my curve needs to be replaced, but the underlying card has replaced my card too anyway (which is annoying as I needed to use it soon).
Sorry, I can’t answer this but for the wider community, do you know how the card details were obtained, and was it locked when the transactions were made?
Hope you get it sorted soon. I find they are often pretty quick to respond if you email them at imaginecurve.No idea, the first I knew was a random notification on my phone, the underlying card declined it and I was busy travelling so I didn’t think too hard about it. Yesterday afternoon I got more notifications and then suddenly the underlying card provider called me.
I usually have curve locked or set to curve cash which has £1, but yesterday I used it on public transport so I had to leave it unlocked…
How have the transactions gone through without you approving them in the app or via entering SMS code? If they did chip and pin they knew your pin?
No idea I was not asked for app or sms approval for the fraudulent transactions, even as I was asked for 2fa for genuine transactions in between.
Got a reply from curve which seems to be trying to catch me out by getting me to admit to something. Apart from yesterday I haven’t used the physical card for months and my online transactions are basically all at the same merchants so no idea who got compromised
No idea I was not asked for app or sms approval for the fraudulent transactions, even as I was asked for 2fa for genuine transactions in between.
Out of interest, where did they make the £10k of fraudulent spend? Might give insight in to the 2fa query.
No idea, the first I knew was a random notification on my phone, the underlying card declined it and I was busy travelling so I didn’t think too hard about it. Yesterday afternoon I got more notifications and then suddenly the underlying card provider called me.
I usually have curve locked or set to curve cash which has £1, but yesterday I used it on public transport so I had to leave it unlocked…
Cancel the card, strange you have not done this already and still use it when you have other cards, no wonder why Curve are asking questions.
Well curve has now refunded me, they just took a long time to respond to each message. The suspicious thing they were querying was that I moved my curve app to a different phone when I was in Australia (I have separate UK and AU phones / SIMs and my UK SIM doesn’t have cheap roaming). Although I had plenty of real transactions while the app was on the AU phone so it couldn’t be that someone else had obtained the card numbers through the app.
Out of interest, where did they make the £10k of fraudulent spend? Might give insight in to the 2fa query.
Weirdly it was just on general household stuff like broadband and insurance… but very high amounts which normal people wouldn’t be paying. Perhaps they were trying to get a refund by bank transfer – but that would rely on the companies being willing to do that, me not noticing, and them possessing several stolen utility accounts (assume the fraudster wouldn’t use their own accounts) – or some sort of inside job.
Cancel the card, strange you have not done this already and still use it when you have other cards, no wonder why Curve are asking questions.
The first fraudulent transaction happened a month ago and it was like £5 at a takeaway in Canada (which lets you pay online), but my underlying card declined it. Yes maybe I should have notified curve anyway, but because I usually keep curve locked I don’t know if the fraudsters kept on trying. I made plenty of real transactions and I guess I just didn’t think it would recur, until I left it unlocked and then suddenly they tried 20 transactions in quick succession and some of them got through.
This is the first time I’ve suffered fraud on any banking matter so I wasn’t prepared.
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