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Old 9th May 2007, 11:59 AM
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vinylweatherman vinylweatherman is offline
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It's likely that your card has been "cloned" at some stage. It is odd how they found out about the Click2Pay account though.

I cannot see what the "privacy" issue is, after all, this is YOUR account, and if Click2Pay are saying YOU made the transaction then they would only be releasing YOUR information. If they believe releasing the IP would invade another person's privacy they are more or less admitting your account was hacked, but want to cover this up by making it hard for you to investigate from your end while they choose to do nothing.
Legal action is the only recourse, and it is fortunate they are a German company, which will be subject to EU laws. There may well be a means to force full disclosure, and if Click2Pay are found to have made an error you can sue them for both the lost money and your legal costs.

One worrying possibility is that your PC itself has been compromised by either a keylogger or screen scraper trojan. This would certainly explain how both your Click2Pay account and debit card were used together despite you having your card with you.
The keylogger or scraper would have got all your card details except the PIN, and would have gathered everything needed to log into your Click2Pay account on a regular basis and wait for money to appear - it would then be a case of jumping in and getting it out before you even noticed.
If this was a Click2Pay debit card, access to the Click2Pay account would also provide all the information necessary to clone a card. This might even include the PIN, I do not know if, once in, Click2Pay allows you to view the card PIN in case you have forgotten it. This would be a really silly thing to allow, as it would provide a hacker quick and easy access to the funds once they had gained entry to any Click2Pay accounts.

It seems Click2Pay are making a lot of mistakes lately, so no wonder they make an easy target for fraudsters.

Make certain you do a full clean of your PC, reinstall the OS if necessary. If you find any malware, keep a record of what you found before removing it as this might help you argue a case.
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