2009 Judd Case

Key Facts

Amount stolen	£200
Number of Withdrawals	2
ATM Locations	Canada
Issuing Bank	Natwest
Acquiring Bank(s)	Unknown
Card Type	Solo
Withdrawal time period	1 night
Days from theft to discovery	Customer called at 11:00AM after withdrawal at 4:00AM
Card theft involved	No
Level of customer action	Customer confirmed ATM withdrawals were not made and Natwest agreed to send a refund transaction and paperwork for the money to be refundered
PIN Status	Nor shared however must have been compromised
Outcome	Ongoing

On day 1 customer called at 11:00AM by automated Natwest fraud system (on mobile then home number) and the automated system on call-back asked to confirm ATM transaction in Canada [customer lives in London]. Customer denied these, spoke to Natwest representative who said it sounded like ATM skimming as a lot of other customers were calling the same day, said that bank would refund money, and would send form to complete for the full refund
On day 2 ....