Debit card statement says I spent £53.43 at the Co-Op. No idea what on. How 2 find out what I spent money on?

Question

I want to find out what it is I spent that money on because I have no recolection. It was the 6th Nov. I Know that on that day or near that day I bought hair bands paying by card in Claires Accessories and made withdrawals from the cashpoint. The statment shows the withdrawals and that I went to Claires. I didn't buy xmas prezzies, nor did i do food shopping cause dad does that, I didn't post anything. Don't recall going into the department store in the city. HELP!!

Answer 1

You would have made the transaction a couple of days before,it takes 2 or 3 days to go through,so always shows on your statement a few days after the transaction was made,did you not get cash back at co-op or anything like that.if no contact your bank and they will put it through as a debitcard dispute and investigate it

Answer 2

I would phone the co-op but not panic. November 6th seems to be the day that the charge POSTED, but may not necessarily be the day that you made the charge. Do you know where the co-op is located? Walk in there and see if you can get a copy of the receipt. Also, try to remember if you actually bought something there around the first week of November, but probably a few days before.

One thing to note, if this was fraud, your bank account would be empty by now! If someone stole your card, they would not go to a co-op for some apples and organic food. They would have totally tried to drain it in as short of time as possible. Meaning, you would have known if someone stole your card a long time ago or because your bank statement had a number of unauthorized charges.

So don't panic, but it would be prudent to see if the co-op can provide you with more information.

Answer 3

Something similar happened to a friend, she went to cost cutters made a purchase with her debit card. Next day £75 was spent at local Asda's . She never shops there. Your card has been cloned. Report it immediately to your bank and the police. These "small time" cloners, use your details once. It's generally for purchases under £100 and always at Tesco/Asda/Co-Op etc. They don't have your pin number just your card details. Someone at a shop you visited is working with them. Most stores have CCTV, so ask the police to get the Co-Op stores copy for that day.

Answer 4

Sounds like you should cancel your card, phone the bank quickly.

You could write to the Co-op afterwards.

Answer 5

i work in a co-op, and if you could ask your bank what time it was then you can then query it at the co-op, they will have it on record, by the way, sometimes credit/debits from the co-op dont get taken out straight away? hope it helps

Answer 6

ring your bank asap someone may be useing your card details and tell all this to your bank if you swear you didnt spend that amount in co op or even go in there they will take action and investigate and try to get your money back

Answer 7

you can query the transaction but they can't tell you what you bought.
Remember that if you switch it might not show up for days later. your shopping could've been done from the 1st of NOV or even before and just had taken time to be actioned on your account.

Answer 8

i would ring your bank and have a word with them about it, if you really cant recall buying anything from the store i would make sure u specfify that on the phone, the bank should suggest on the nest steps too take

Answer 9

someone just tried to clone my card & withdraw £537 on 14/12 06 so get in touch with your bank --i got my money back

Answer 10

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