Hi there, I have just had that exact same fraud take place on my card late last night of 84.89 pounds from TikTok!!! I’ve never bought off TikTok in my life! The fraudster then tried three more times with the same amount and then a different amount! The first on went off and did not require my authorization but the following ones did and I received the Monzo notification to authorize and this is where I reported the fraud and blocked the card. My question is, will I be refunded that 84.89 pounds that did go off? It is clearly fraud since I am now the second person if not the hundredth person this has happened to? Who knows how many people these guys have tried this with? I see they started with a small amount yesterday of around 2 pounds called Shopatron? I remember looking at this transaction that came through in the middle of the night and wondering what the heck it was? Now I realise they were testing my card!!! This is so scary!
Exactly the same happened to me!
Still waiting to hear back from the fraud team. This must be a Monzo problem?
Did the fraud team get in touch?
Yeah there’s a trend here. Never used tick tock in my life.
You’ll get it back, try not to worry.
Is this happening on the primary card, or is it also happening on virtual cards? If we freeze our cards until it is resolved, transactions shouldn’t go through, right?
Also, is the requirement for 3DS not on the bank (instead of the seller)?
There’s nothing to resolve. Card details are compromised everyday for millions of people.
Monzo, I’m sure, are investigating. Hopefully once the issue has been resolved they’ll be able to blog transparently about it as they did with the Ticketmaster breach.
You can’t know that, there may be. While the forum sample is still statistically small, if there are other Monzo customers and the compromise is only from TikTok, and there is no 3DS confirmation (which I would expect from any new large transaction), there may be something to look at internally instead of looking at the usual people factor.
IIRC it is up to the merchant to implement 3DS, not Monzo. So if the merchant doesn’t call for it, Monzo can’t ‘force’ a 3DS authorisation.
So you think every Monzo customer should freeze their cards just in case?
If that’s the advice, everyone should be doing that every day anyway.
3DS is on the merchant, not Monzo.
Well, I did put it in the form of a question. Yes I think if the probability is not insignificant that there is some sort of attack currently ongoing that only affects Monzo cards with TikTok and no 3DS, this might be good advice, and I was asking other people’s opinions.
It’s not everyday you get a targeted attack at a specific bank’s customers.
Again, I’m not saying this is what’s happening, and it may well be the most likely case is a few people had their cards compromised with TikTok at the same time and they all happened to be Monzo customers. Maybe there are more customers of other banks and it’s a TikTok problem, can’t tell.
But I don’t think it’s helpful to dismiss it outright as people’s cards compromised, nothing to see here.
I’ve never used tick tock and there were two more attempted transactions made one my card was frozen.
Absolutely no basis to this whatsoever. People got charged, nothing says it’s just Monzo, 3DS isn’t law. It saying TikTok doesn’t mean anything or that its related to that app as multiple people have been targeted who don’t use the app.
You don’t know this.
I’m not. But a data break doesn’t equal everyone at Monzo needs to freeze their account.
Can’t find anything on Twitter or Reddit about these payments for others, so hopefully it’s not super widespread.
But my oh my, the people that tweet Monzo makes this place look like Mensa.
I just checked my account and it’s fine also (thankfully).
There will be a common denominator between the accounts that were compromised, and we’re unlikely to work that out on here.
Thankfully I’m ok (for now). Im sure Monzo are already dealing with it and when there’s an update we’ll know (or not, it might just get individually resolved).
One thing to note is that these seem to be USD transactions for the most part. Perhaps that has some significance, perhaps not.
I did slightly update the title which I hope is ok and paging @AlanDoe for awareness
I’ll just add my name to the list of … Not had my details compromised.
There’s no point trying to speculate what’s gone on, it could be card details from any number of sources from other sites breached.
It could be literally brute force putting card details through payment systems to see if they correspond to an account
Monzo could of been beached
Lizard people have taken over the world.
There’s no need to worry, staff will be in the background investigating and sorting out refunds for anyone affected by this. Just got to give them a bit of time.
I’m going with this.
I for one welcome our new Lizard overlords
No fraud on my monzo account at present thankfully.
I had £300 taken from my account on Sunday, and reported it that evening. My card’s frozen and being replaced. All good so far.
I’ve had no indication of whether the fraud is being investigated, how long it might take, or whether I’ll get my money back. Also, I could see there was an active card check that popped up just before the two amounts were taken - that card check has come up again, neither requested authorisation from me.
I had moved money back to avoid being hit with overdraft charges, but have now moved it out again in case I’m clobbered twice! I can’t report the card checks and I can’t find a number to call - what do I do here??