Card Fraud

I will likely not explain this correctly but I am going to try anyway!

How would a debit card from another bank be linked to an account at my bank? The BIN does not belong to us, but the transaction was debited from our customer's account. The card is nowhere to be found in our system. 

The BIN belongs to a bank in Pakistan. 

Can anyone make sense of this? 

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Lauren Pace
Fraud Officer
FNB Oxford Bank
Oxford, MS
662-234-2821
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***UPDATE: I am now seeing how that might happen---just had not seen that happen before until now. *** Learning something new each day. Had to do with them issuing a "Virtual card# aka token"

We just experienced this for the first time---and it is so odd. Ours was online purchase POS purchase to Cricket (ATT). It was a Visa signature transaction. On our card journal, it shows our full card, but then in the mapped card field, it shows this one for another bank. I just stumbled upon that looking at the fields for this transaction. How would a card be "Mapped" to a different card with a different bank? We are still in dispute process, but were initially denied stating the information was authenticated--which was odd because the card does not even belong to our customer or bank so how can you validate it. Our card# is no where listed on the documentation. See screenshots below. To levelset--our bin starts with 4018 in this case. 

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Lisa Heller
VP, Fraud Officer
Midwest Bank
Norfolk NE
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Original Message:
Sent: 07-22-2026 17:56
From: Aaron Zasoba
Subject: BIN associated with another bank debiting from our FI

Hi Lauren,

• What's the POS Method?
• What network processed it (Visa, Mastercard, NYCE, Pulse, STAR, Maestro, Cirrus, etc.)?
• Does the core data show a full PAN, token, or only a BIN?
• Was the customer's DDA/account number used or was it presented as a card transaction?
• Is the transaction currently posted or still pending?
• Can your processor provide the authorization and settlement records?

 

Thanks,

Aaron M. Zasoba, CFE, CFCI, CCCI, CECFE
Manager, Card Fraud Analytics
Enterprise Fraud Management (EFM)

BMO Financial Group
aaron.zasoba@bmo.com
T 262-376-7028

Virtual, Wisconsin – Central Time

575041f5b46d490b86e7d361a9196bce@bmo.com/meetingtype/NV47cF08aECVAqHVsA_g-w2?anonymous&ep=mCardFromTile">Book time with Zasoba, Aaron