Card Not Present Transactions - CNP Fraud?

Exos

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I can't find anything on this, but I'm damned sure this is fraud..

My daughter just joined a Gym here in Liverpool, she went into the Gym and the sales guy took her address and details, took her debit card went into another room, swiped it and brought it back out to her with the POS receipt, having just taken £20. the receipt says "Customer Not Present" when she quite clearly was. No
Chip/Pin, No Signature.

Bizarrely he's meant to be calling her tonight to take a further payment.

I've already give her the usual as has her mother, but isn't this fraudulent given she was actually stood there and wasn't asked to sign or enter a Pin. From what I've just read CNP transactions are for internet, telephone type sales only.
 
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I've got a feeling that goes on the receipt when the PIN isn't used, not totally sure though.
 
Agree with @Spectre - shouldn't have happened though so I'd be asking questions. They could just have a cheapskate POS terminal but now they have the card details I'd be wanting something in writing stating they won't take further payments without authority.
 
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I've got a feeling that goes on the receipt when the PIN isn't used, not totally sure though.

I agree with that, but even when a PIN isn't used, surely you would still have to sign, wouldn't that be a fallback position. I've had to do this when paying for fuel and the chip/pin machine is broken. To take a payment without any comeback is stupid.
 
I agree with that, but even when a PIN isn't used, surely you would still have to sign, wouldn't that be a fallback position. I've had to do this when paying for fuel and the chip/pin machine is broken. To take a payment without any comeback is stupid.

But you order stuff on-line as a 'card-holder not present' I would guess? Golden rule is you always keep the card in sight when dealing in person.
 
But you order stuff on-line as a 'card-holder not present' I would guess? Golden rule is you always keep the card in sight when dealing in person.

That's the only time I've seen it, can't remember if it was number and CCV.
 
This really makes a complete mockery of the whole chip & pin system. Why have all the high-tech gizmos when in actual fact all you need is the card & CVV number, just as before.
Personally in this case I would cancel that card forthwith, and report the incident to the bank. Those card details could be tucked away & used any time until it expires.
 
This really makes a complete mockery of the whole chip & pin system. Why have all the high-tech gizmos when in actual fact all you need is the card & CVV number, just as before.
Personally in this case I would cancel that card forthwith, and report the incident to the bank. Those card details could be tucked away & used any time until it expires.

So, if I want summat from Essex you're suggesting I go there and pick it up?
 
So, if I want summat from Essex you're suggesting I go there and pick it up?

That would be a tad inconvenient, especially in a sick Astra! But the point I was making was.. what is the point? What is the point of all the fancy chip & pin security when it can be bypassed as easily as it was in this case.
For all Portugal may seem 'third world (especially to those of us living here!), the system they have here is slightly different. If you want to make a card payment by phone, the bank issues a temporary password- use-able only once, and only for the amount quoted, so thereafter the card details are useless to anyone. So they got that bit right, but the banks here are fooked too!!
 
Ok i don't really understand this as i don't use debit or credit cards , but i've often wondered about buying something online with a card.
What stops them logging your details and using your card again ?
 
But you order stuff on-line as a 'card-holder not present' I would guess? Golden rule is you always keep the card in sight when dealing in person.

I know that, and she is only 16 and naive, but my point was more around the fact they dealt with it as a CNP Transaction, when it clearly wasn't.

I spoke to the Gym earlier, and he said they log the card, address and contact details only for security purposes, he also then went on to say how they had a number of sites, so were not a small local company. I said that i didn't see how that was relevant given you took a payment without any authorisation whatsover and there is nothing stopping you taking anything else they please given they now have the card, account, address and CVV number..

He just couldn't grasp the concept of what he was doing wrong and even went on to say they have been doing that with everyone.
 
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