Unknown fuel purchases from Tesco pay at pump…

I’ve been fueling up and taking note of the amount I put into the vehicles (by a certain amount- cost wise)to make it apparent that it was most likely myself that fueled it.

Sometimes I put in an odd amount if it’s a longer trip by filling the car up or filling the motorbike tank right up (random number of pence) but last month I thought some of the dates and amounts looked a bit suss. I have noticed similar amounts taken out on the same date and I can’t understand why I’d go filling up on the same day twice.. so often. It might be that I had visited a pump the same day but I have noticed on this months statement that money withdrawn from an atm and money spent at a fuel pump on saturday was all dated today (the 28th) so it confuses the matching up of dates/visits to the fuel station.

Is there an easy way to check these multiple fuelling trips with the bank or do I need to just keep an exact note of all my spendings at each fuel station and check them every month?

I have paid for numerous things online in the past and wonder if someone has my details.

Anyone been in the same situation?

i sometime fill up say on a weds and then a thurs, both transaction s can hit my account on the same day a couple of days later

ask for a receipt, keep them, check them

Call the bank now! Simple answer is they will stop the cards and issue new ones. If it’s the same day unless you have a fleet of cars then it’s fraud.

I have had delayed things with tescos on my debit card before.

Statement dates are later than the actual date of use, but amounts are correct. Hasn’t happened for ages, but it did take a while for the transaction to go through.

Easiest way is keep receipts, get montly statements or mini statements from ATM machine’s and keep a watch on things.
I would try and back track to see if something is amiss.

Maybe get a new card to be safe

Payments to Tesco, rather unhelpfully, never correlate with the actual day they took place. Seems to be the same with store/petrol etc purchases.

For example, I spent £6 in store last Saturday (26th), and it is dated as the 28th on my online bank account. Pain in the arse if you are trying to verify payments made to their actual dates.

Best bet is to keep all receipts if you need an accurate log.

I know it’s kinda consequential but I use an app called road trip, there’s a free version too. Every time I fill up I enter the amount of fuel and the odometer. This gives you an actual MPG over a period of time. A bit geeky but I like it.

Lots of debit card transactions show a later date than the date that you’ve paid. The funds tend not to be available the moment you spend but show up on a statement a few days later. Dunno why.

If you’re at all suspicious, then cancel the cards straight away. Banks sort this stuff out reasonably quickly now.

I’m now looking back til April and seeing things coming up on the same date. It could easily be a fuel up of the car and also the bike later on in the eve. I’m seeing stuff between £7 & £15 that are a bit baffling.. especially seeing as how I have been trying to put in a certain number of pence on each fuel stop, if you know what I mean. The topping up the bike tank kind of throws a spanner in the works on this though :O/

The food purchases from Tesco have the 4 digit store number on the bank statement, If only they were next to the fuel purchases :O(

I wonder if the bank would have more detail on the purchases. Would it be worth asking?

I wonder if the bank would have more detail on the purchases. Would it be worth asking?

If you are worried they will help you, as said before they will send you a new card so you might end up being without one for a few days but peace of mind can come back. If you leave it too long then you wont be covered by them as it’s your responsibility to report things you see as suspicious.

With the new cards keep the receipts for a month or so to see whats happening.

Will do. I’ll call them first thing.

Weekends cock the dates up too.

Martin the fuel purchases from tesco should still have the store number next to them but it’ll a different store number to the main food store.

Transactions done on a weekend will always show on the next working day due to it not being a processing day. ATM trans will normally show the correct date

I have been trying to put in a certain number of pence on each fuel stop, if you know what I mean

So they’re 44.69, 8.69, 30.69…

You could download the Fuelly app and go nuts with your petrol tracking.

I’ve always assumed that people who clone cards were more likely to use them pay at pump or no shop assistant present type transactions so I tend to avoid them.

Doesn’t work with Wiggle of course, and I’m a bit far away from CRC/Merlin.

Try exclusively using the kiosk for a bit and see if it does anything – assuming you can tell pay at pump from kiosk.

I’d expect Pay at Pump to only work for Chip and PIN transactions. For Chip and PIN you need an EMV card. It’s the chip that verifies your PIN. It’s impractical to clone EMV cards (attacks require things like etching away the card surface and probing with an electron microscope).

Tesco probably use APACS30 (now part of APACS70) for online authorisation and APACS29 files for settlement. As it’s a two stage process there can be a delay.

Having said that, the transaction date in the file should be used rather than the file date.

the tesco pay at pump software won’t allow multiple fillings on the same day in the same area to prevent this kind of fraud. most likely a billing issue of when they hit your account

The transaction on your statement ‘should’ (I think) show the date of the purchase?

I always find my tesco weekend transactions go out of my account on a tuesday – irritating when you sre trying to keep track of stuff

I keep every receipt, and then cross them off when I get the statement. Any discrepancy, call the bank and/or CC company.

Always have, always will.

But then I’m like that. 😯

I’m a bit like BR except I just have a little book and write down any purchases/withdrawals every evening.

Check the balance I have against the banks every week and go hunting if there’s any discrepancies – don’t even wait for the monthly statement.

I don’t get paid enough to spend without keeping a close eye on it though I do dream that one day it will happen.

I check my online banking app like I check my social media, regularly each day. I know exactly what each and every transaction is, where I made it, and what I bought. If I don’t recognise it there’s usually a problem!

/cough/ maybe not every day but statements (bank & CC) get reconciled without fail.

im with officialtob – thats how i work also – prior to internet banking id most often pay with cash – mainly because i was a student and withdrawing the cash was the only way to make sure i had cash to pay for it – otherwise i was never sure 😀

my mrs is the complete opposite – she will check once a month and then question transactions – and ill remind her she bought something and itll be like “oh yeah”

I had a mate like that at uni, somebody went into his room to grab a pen, it wans’t the stack of porn in the drawer that freaked him out it was the monthly date ordered receipts clipped together

He kept the receipts for his porn?

Was he concerned it might be faulty?

doh – Member
the tesco pay at pump software won’t allow multiple fillings on the same day in the same area to prevent this kind of fraud. most likely a billing issue of when they hit your account

Yes it will, I’ve regularly filled up the bike and car on the same day, even at the same pump.

If you suspect that some of the transactions were not made by you then you need to make contact with your bank ASAP, and in the future either keep your receipts (I do this for VAT purposes anyway) to check against statements and/or use a fuel tracking app (I use Road Trip).

martin, just extracted a payment I made at a Tesco PFS last week.
It reads:
25 Oct 2013 POS xxxx 24OCT13 , TESCO PFS 3796 , PERTH 3 GB

So the amount was debited on 25th, but the transaction was on 24th (which is correct). Does that help?

This was on my debit card mind, not credit card, but I suspect it will have similar date/time information.

It was me fueling up for trip up to see you, your mum said you’d not mind.

as a former manager of a large supermarket group. card fraud is massive cost to business for example my last store the weekly wage bill was 101k a week card fraud instore was less than a grand, online sales card fraud was circa 5k per week. pfs card fraud was minimal 100 quid max ( with a 300k turnover) the main issue at pfs is drive offs which could be easy £750 a week.. ( checkout staff ‘stole’ circa 250 a week..)