It seems as though i’ve been hit with my first ever experience of a fraudulent transaction, should probably be glad it’s taken this long, but after checking my Monzo account this morning I can see an active card check from Uber and two transactions. One for £50.00 and another for £230.29, along with another transaction from Lennings Crossings Hoa (which seems to be in Baltimore) for 54p. I’m in Coventry so that’s a bit of a trip overnight…
I’ve reported it to Monzo (blocked card etc) , and Uber (with whom I do have an account but have never booked a ride) so it’s in their hands now - so all i’m looking for is anyone with similar experiences and whether it’s likely that i’ll ever see my money again?
Nope, can’t remember the last time I drew cash out - several months - and I check my Monzo app several times a day and this is the first time I’ve ever seen anything like this so was a bit of a shock this morning.
I haven’t made any transactions from any ‘risky’ retailers - just the standard fare.
Monzo should refund this straight away and go through the chargeback process to claim the money from the merchant.
I had something similar happen a couple of years ago (albeit with a UK retailer rather than Uber).
A word of caution - there’s possibly a risk that a chargeback may be found against you and the money subsequently taken back by Monzo. This happened to me and I captured it here:
I can therefore recommend - just in case - pulling together anything that may support a future dispute with Monzo, such as being able to justify your location when the transactions were made (e.g. a receipt from a shop, a work mileage claim…)
I’m sure you’ll be fine, but worth being on the front foot
I tend to keep my card frozen as a just in case, I do have to remember to unfreeze it for the 2 subscription services I use. Although now I’ve just typed that out loud in my head I could just use a virtual card for those as I never did cancel my Plus subscription in the end.
Update to this - Monzo have refunded me which is great. Will definitely update some of my card practices (virtual cards, freezing etc) as this has been quite a sobering experience.
In the grand scheme of the country, yes, around 20 miles away, but haven’t been to Birmingham since March 12th last year, I remember as it was the last social event before lockdown.
Whilst I haven’t ever used Uber for transport, I have used Uber Eats on occasion so this is the only connection I can think of.
then I looked at the screenshot again 