Thank you for your reply. Yes I wonder about that. I’m careful with my card details (HTTPS only of course, Apple Pay predominantly, card never leaves my sight, don’t use ATMs) and so didn’t think to be honest, that my card details might have been the way in for the scammer, so I didn’t freeze it myself (was also travelling so needed to use it). Perhaps I should have frozen it at the first instance, but there was a good period between me alerting Monzo to attempted fraud on my account and Monzo actually blocking the card, which they’ve only just done. If there had been a second successful attempt somehow (though I would never give a OTP out or forward a log-in email), Monzo would be in a pretty silly situation.
Thanks for your reply. What do you mean when you say active card checks go into thin air? Interested in your response as someone with a background in this.
There’s nothing worth investigating, so no effort is put in to find out who what where when why.
I’m sure it’s not too challenging to generate a script to thrash out card numbers, expiry dates and security codes in split seconds (like fraudsters do), find one that works then go wild with it online or share it in the dark web somewhere.
You had a problem, the bank solve it by blocking and replacing your card (issue aside you not having yours yet).
That’s all that happens. Nothing to follow up or do afterward. Problem over.