EFTA00267002.pdf

3a3/2021 Gmal - FW: Invoice - 30416 EMP111... IAIAS MCN- ' IL; C`1011 Cr\rni THIS &mem_ Oth Ci‘j L is Gmail iS1/4.:`,%ac_s5 Rett 57eQ:aN Jacqueline Pearce rH c.c.)opetcay, TufAe ILG no fwe FW: Invoice - 30416 1 message Hol Jackson > 23 March 2021 at 14:44 > 1 -O t-) To: £MAu_ reg. INKINITINC -- Original m an From: AM Finance .1 Date: 4/3/21 3:14 am GMT+09. To: Holly Jackson Cc: Credit Control Subject RE: Invoice - 30416 Hello Holly, * Further to the e-mail below, I have been looking into your payments. I can see that the payment comes through on our bank statements as Jacqueline T rather than your name which has caused the delay when reconciling. * RecoR.1 JJ 1N fzeNZSPINTV Dal" phyme.a. $ENT t-45‘1 -- ,accgoet , N .C . T r I confirm we received a payment of £264.45 on the 20th November. Please find attached invoice number 30416 - marked as paid for your records. The outstanding balance on your account is now £183.21, please find attached revised invoice number 32605 for this amount. We look forward to receiving your final payment. Kind regards, Amanda Harrison Office Manager Ovoing Clouds tit, Afrhibehe KniOht Weak e tow! SO/OMOOAIMA LI EFTA00267002 ELEcTRx.e.)ic TRANsfeR RPV t>e-MILS REcipiEfre tesTeni-ED FEBKOPRY ,Q0.90 13y cceivirjwivejit:TH sm.*, KAD,‘\ Select from your address book Austin Macaulay Publishers Ltd 03352468 UNITED O KINGDOM 25 Canary Wharf I 4, NC pi-it,f%)6 NvMBER AD.c>ED r''‘-:TE-RwrIcK) CF berens C.Cc.c,R(Z.tn)G ELeci-RonItC Ti2P,NSFEe (3Y WTSYDt .SGuR.Ce P>4465s. Qy ceNE-er.)meivr mr\15 Pcr_tce SCRvEt2SI eccc.)(ALITS ffiND C)t-iferé-e r e'R‘4Jf)ike- c-C.AJFIRMEO t3Y Tr-ierke . "CFER e,20 oR tcts\J ELE:ei-12 tc i-r/ e)cee(Der- e-xcEss t VE Rise IN, FR AODCZ -13\ir P)c__Ti n1/4-i I t•Wc,Lij(rJc tP pouce ,steRce . REFeR -ro -reLs- ri2f, REPOT - ot.icou.)G FRFx..)ouiENT P>Crl v gl-`/ I IV ACc.GL, S EFTA00267003 INA c CD ccir)660 f ti 3-TC2 - Fri9 NY TRIAGE conioccreo - rfrita-rf NJeyncirro\I bai9Rrmar - Sam. Commonwealth Bank ABma rn Australia AB This is our confirmation that we have acted on your trace request. Please be aware that there is an investigation fee of AUD25.00. We will charge this fee on the sam s used to send the IMT. This fee will be under reference on your statement. We accept your request to perform a trace on this payment on a best endeavour basis only. The bank will not take any liability in the event that we are unable to provide further details on this payment. Case Reference Number: Here are the details of y r r n IMT Reference Number: Transaction Date: 10/11/2020 Amount debited for the payment: AUD503.52 Amount: GBP264.45 Recipient: AUSTIN MACAULAY PUBLISHERS LTD WHAT DO YOU NEED TO DO? If you do not want this case followed up, please reply to this email advising to cease our investigation and close the case, otherwise you do not need to do anything. Please also advise if you receive confirmation from the recipient they have received the funds prior to our response so we may arrange closure of the case. WHAT DO YOU NEED TO KNOW? You do not need to follow us up as we will do this automatically and you will be advised an outcome once we have received a response. Please also note there may be a fee charged by any bank in the payment chain for processing the trace in which case we will pass on to your account under advice. WE'RE HERE TO HELP If you have any questions or need more information relating to this case, please contact our IMT Customer Care Centre on 1800 028 549 between the hours of 8:00am - 5:30pm, Monday to Friday (Sydney time). Regards, Payment Investigations EFTA00267004 rence c.c_;N; R,rm tcrA c, 19 C.TeRel) zt Tht s Fc"TRCn;rC -7-RaN5F-c K r7ATC_FI EC/ CA,7 CLAIMS gest ino moctic Ley ponAcHtws DID SCI ADD OR I IC4C4-42 DC A Pi-Ion! Niet-ii3e/c2 Rec(PIENIT P hVme-1\11 CDoe: Jmoin twLeSalth Ba Preirt ic7 1 1 1: 67 -TL13). tzw iNlicST Z-Lei.Depi NcNn t.. Micar te (p-t tou c ((L._ Commonwealth Bank of Australia ABN * Case Reference Number: 4_ We have received confirmation as follows: 4 Confirmation de I credited with GBP264.45on 10/11/2020 under reference F/FLOW tjACQUELINE T CONTRACT PAYMENT CONTR 4 Here are the details of your transaction: IMT Reference Number:- - Transaction Date: 10/11/2020 -it Amount debited for the payment: AUD503.52 Amount: GBP264.45 * Recipient: AUSTIN MACAULAY PUBLISHERS LTD * WHAT DO YOU NEED TO DO? Please note and/or update your records as required. WE'RE HERE TO HELP If you have any questions or need more information relating to this case, please contact our IMT Customer Care Centre on 'etween the hours of 8:00am - 5:30pm, Monday to Friday (Sydney time). Regards, 4 Payment Investigations 4 EFTA00267005 fit-LOvviNc, REAR-RAC CoNttrilemp-rterN) CF ricrea.EI) il c7A105 Retices tej REttPTINC Tp FRPCi-) btvi SIGN raLs Fier) +,-4 i-eRf►aTrCAi craCA-04i• NCI coNE--iicrifen)Cni tz Pcietr) OCc_0KRi t.)C, 13C,KINC, C.--cceCTROC\ -reAN5 reX -TRON-5AC< f•J * 4 r.pyrier‘ri rN4%/CST I ei Cr--1 De:PORT EN'i - FAR; C-4.4.1.5•ri t 1/401;14 Commonwealth Bank Com of Australia Ag_3N Case Reference Number: + Please find our response as follows: -+ - 44 We can confirm the payment was sent out with the name listed JACQUELINE PEARCE. If you are claiming this payment was made fraudulently please advise us so we can start a recall for this payment. - 1.4O stn ., D PV Therz-LtLAN6- reetZ.G.E1 RE-I rag T U erikflte c_c_• Ad el RestentCN knok Here are the details of your transaction: IMT Reference Number: ,JP)C—C.CELI NC -r Transaction Date: 10/11/2020 Amount: GBP264.45 Recipient: AUSTIN MACAULAY PUBLISHERS LTD WHAT DO YOU NEED TO DO? Please update your records. WE'RE HERE TO HELP If you have any questions or need more information relating to this case, please contact our IMT Customer Care Centre on 1800 028 549 between the hours of 8:00am - 5:30pm, Monday to Friday (Sydney time). Regards, 4 Payment Investigations For your reference please find the below copy of your enquiry: Dear Payment Investigations, Sam, - ceN OF Acre-Pt ° I appreciate the fulfillment of my request of the Electronic Transfer investigation trace conducted on this payment. The payment was traced due to the altered details of my bank account name and the sum paid, which did not match the electronic transfer details and 4. recorded, which registered with the recipient of the payment as "Jacqueline T• ..and not as my regular banking name details "Jacqueline Pearce", as received during numerous banking electronic transfer payments that have been made since February 2020. This was the first instance that this altered details had occurred and as my mobile phone, of which the payment was made from, the Netbanking app, Is under investigation for continuous targeted Malicious and Fraudulent activity that has been occurring over a 10 year period it was imperative that this investigation into the altered details was carried out. * As written in the investigation outcome (report), this has now been confirmed that the details of the payment had been altered and is suspicious to how this has occurred.' am enquiring as to whether another investigation into this_ payment can be conducted for Malicious and suspicious activity with the Fraud Department now that the altered details of this payment has been confirmed, k as it has not been confirmed as to how this has occurred, and suddenly and coincides with the activity that has been occurring in my phone account. I am requesting that this confirmation and information be submitted to the Fraud Department for further investigation.. Thank You Kind Regards DETAIL' EFTA00267006 N GQE-SriciN - Fuss Fret) it-Woo-ifTrien1 or -rRec coNfiRricrnoiNS C ttc-An LETTER Ft L-tt_A\iitC, a; K )r Rme:fl OeTF) 'Ls I have also encountered Fraudulent activity in my newly created business mobile account with Telstra with Restricted Access applied and am currently in the process of having this issue investigated by a higher authority, as this activity has been occurring continuously over a 10 year period. Thank you. Kind Regards Jacqueline Pearce Author : Holly Jackson From: AM Finance gje Sent: Tuesda 6 A ril 20219:48 PM -4- To: Holly Jackson < 4, Cc: Credit Control AM Subject: RE: - REPLY To (REPORT AM Production UK Hello Jacqueline, -*Please see attached the email we sent on the 91° of December with a receipt for invoice 30800. 45: emPiL NCI Kett -40a) • B4-Ctiee-13 ccNTRCT - CHOU.- SERQ ICE.5 Thanks. R-em or E eccess -IC) hIPIAPAW)ge eV Wart;_; Kind regards, — Psoc4c.e (IN cooe-RNmeAT fraiciA)eribec Alfic Fisher Accounts Assistant MACAULEY PUBLISHERS . Austin Macauley Publishers Ltd CGC-33-01, 25 Canada Square, Canary Wharf, London E14 5LQ www.austinmacaulev.com PLEASE CONSIDER THE ENVIRONMENT BEFORE PRINTING THIS EMAIL This email and any files transmitted with it are confidential to the intended redolent to which it has been addressed. Unless expressly stated otherwise, this e-mail does not form part of a legally binding contract or agreement between the recipient and Austin Macauley Publishers Ltd. Austin Macauley Publishers Ltd. CGC 33-01, 25 Canada Square, Canary Wharf, London E14 5LQ Reg No. 6243206 2 EFTA00267007 Holly Jackson From: Sent: -- To: Subject Dear Matthew, Holly Jackson < > Thursday, 10 December 202012:05 AM gik - REU3JE_ST I Ac, AM Finance; Holly Jackson KE-CONI C t La:). My iv-16Kr( j f%) %/0 RE: '30800' Thank you for the invoice on the payment of the marketing publication. Could you please send the paid invoice for the payment made on the 10th November f o r the contract On the Edge of Reality as I have not received reconciledlayment invoice yet or the outstanding b as I ante on the contract. * Thank you. Kind Regards Jacqueline Pearce Author ; Holly Jackson Sent from my Samsung Galaxy smartphone. Cetsincten4i v-pNcogy g0,2 1 - CiDta DePPSTP-IC-KR RE-G•cesr(•Xt NWA)rimadre: )1c),X; cummeicx 1=1)W-it_NIT 4 Original message message --- From: AM Finance < > Not Rccetve trak.nce > rek connkAci iINWOWtf.1G PFV-111/4-IENYT Pi-re-Re° ESY 3 scca65 your records, -A, THt S IN Des-em(3ER *oaC) pitiNteN3T furf-, NotiEN3CR R090 Date: 9/12/20 10: To: Holly Jackson 4. Subject: RE: '3080 ' Dear Jacqueline, Hope this email finds you well, Thank you for your payment. Please find attached receipt for invoice no 30800 for t N CxuCST-ION - berpoL5 CoNFOZPien • AorriN Nina:lute/ • PAYNieNn- I -Rote • NicocE WARREN I can confirm I have updated your contract accordingly, 11; Manv thanks, Kind regards, Matthew Smith Accounts Assistant 1 EFTA00267008 4122/2021 Mail - Cynthia Pearce - Outlook MAIL RECt- Rj6c) C-6C, 116-fib cfFice, 4-Sv nrei - HQ MATT CCdt-eNil‘ ti FW: I've received your complaint reference CF-10601870C Jacqueline Pearce TO$ From Sent: Thursday, 22 April 2071 8:78 AM To:Jacqueline Pearce Subject: I've received your complaint reference CF-10601870C > A( Dear Jacqueline, Thank you for your time on the phone earlier. You have requested that contact you on a recorded line to discuss the concerns you have raised in your letter to CBA's CEO, Matt Comyn, dated 31 March 2021. ir As such, 4-I will contact you on Wednesday 28 April 2021 at 1:00pm Sydney time (12:30pm South Australia time). During this call I would like totiscuss your concerns raised regarding fraudulent activity on your CBA accounts and profile and the outcome you are seeking from my investigation. Please note that my call will be from a private number. I look forward to speaking with you soon. If you would like more information, you can contact me on Regards, 4. Nicole Warren 4 -4 Manager Critical and Complex Complaints 4. Commonwealth Bank of Australia ************** IMPORTANT MESSAGE ** ***** **"***** **** ***len*** This e-mail message is intended only for the addressee(s) and contains information which may be confidential. If you are not the intended recipient please advise the sender by return email, do not use or disclose the contents, and delete the message and any attachments from your system. Unless specifically indicated, this email does not constitute formal advice or commitment by the sender or the Commonwealth Bank of Australia (ABN 48 123 123 124 AFSL and Australian credit licence 234945) or its subsidiaries. We can be contacted through our web site: If you no longer wish to receive commercial electronic messages from us, please reply to this e-mail by typing Unsubscribe in the subject line. ************************************************************** EFTA00267009 5/16/2021 Mail - Cynthia Pearce - Outlook fiL.-TERE On -Ot t- 5 Oct cRacivel oufk,N)c, -THE Faccntr.liC -1140.15 PER FW: Your CommBank complaint outcome CF-10601870C gE/101-E Acce.,_ss aCcart ?Ai FROCn Jacqueline Pearce e Cr? . To: Cc: Jacqueline Pearce > 1 attachments (1 MB) Pearce - Supporting documents.zip; From: Sent: Monday, 10 May 2021 1:25 PM To: Jacqueline Pearce < Subject: Your CommBank complaint outcome CF-10601870C Dear Ms Pearce, Thank you for the opportunity to review your complaint (reference CF-10601870C) about your CommBiz facility. You told me: • You have stated that you have been dealing with fraudulent activity across a number of different channels and aspects of your life • On 10 November 202$, you sent and international Money Transfer (IMT) to Austin Macauley Publishers • You regularly send funds to this merchant to pay for an ongoing contract you have with them • Austin Macauley Publishers contacted you earlier this year as they had not received the November payment • You confirmed you had made the payment and after they searched there system they confirm they had indeed received the payment however did not link it to you as the payment was received under the name JACQUELINE T • You contacted CBA as you had concerns that your transfer had been fraudulently altered and a trace request was lodged to confirm the details of the transfer with the receiving bank • CBA confirmed that the transfer was received by the overseas bank under reference F/FLOW JACQUELINE T 02070388212 CONTRACT PAYMENT CONTR and then later stated that the payment was sent out with the name listed JACQUELINE PEARCE • You are unhappy with the investigation into this payment and believe that there has been a fraudulent alteration of your name You would like CBA to investigate this concern and provide further information as to why your name was altered on the payment. My review After liaising with CBA's Payment Investigation team I can confirm the following: • CBA records confirm on 10 November 2021, you authorised an IMT via Netbank for AUD $503.52 from your Goal Saver account ending in 0266. Please find attached a screenshot of the payment seen via your NetBank transaction history • On 1 April 2021. the CBA Payment Investigation team received your trace request and sent a request to our correspondent bank requesting the exact date, currency, amount EFTA00267010 1-)ft." Ivo. % Ht_) I-) -cry rtOf•-u.:: NalM CR TO ADDRESS ROOK 5/16/2021 %gEGtp~GN chrir" _ tat cylta frinithetce R and reference under which the beneficiary received the funds/ • On 7 April 20201, CBA received the below information from the correspondent bank - FUNDS FOR GBP 264.45 WERE PAID AS PER INSTRUCTION DATED 10/11/2020 TO SORT CODE 30-13-55 ACCOUNT 03352468 IN FAVOUR OF AUSTIN MACAULEY PUBLISHERS LTD. CREDITED UNDER REF F/FLQW JACQUELINE T 02070388212 CONTRACT PAYMENT CONTR • The above information showed that the funds were credited to the recipient account under reference JACQUELINE T CONTRACT PAYMENT CONTR • Upon reviewing the description you entered for the payment, you added the telephone number As you have elected to add a telephone number,"our system will add a T in front of the number • When the overseas bank credits the payment they usually pick up some of the remitter name and the description but there is limitations and they often cannot fit all, or both • In this instance all the overseas bank were able to fit on the deposit reference was 'JACQUELINE T I WONTRACT PAYMENT CONTR', which can be seen as some of the remitter name and some of the deposit reference • I have reviewed this payment and other payments you have made to the same recipient and can see in each instance you have added the telephone number to the payment description. Please find attached screenshot of the payment in question and payments you have made after this payment from CBA's system • As can be seen from the attached screenshots each payment has been sent under the remitter name JACQUELINE PEARCE • I can confirm that there has been no fraudulent alteration of your payments, however the issue seems to be a system limitation with the recipient bank A suggestion to stop this from happening again in future is to remove the telephone number from the payment description and from the recipient address details in your Address Book on Netbank. I attempted to contact you today to discuss my findings however was unable to reach you. If you would like to discuss the above information further, please reply to this email and confirm a day and time that I am able to contact you again. Please note the attachment to this email has been password protected for security. I will send the password to you by SMS. Your options If you are not satisfied with the outcome of our investigation you can: Contact the Australian Financial Complaints Authority (AFCA), an independent external dispute resolution body approved by ASIC (time limits may apply, visit AFCA, afca.org.au, Email: website for more information) Write to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 Call: 5pm, AEST) If you would like more information, you can contact me on (free call Monday to Friday 9am- Regards, Nicole Warren - TANC.A.Are_b co1/4.1CR UP • EFTA00267011 5/16/2021 Mai - Cynthia Pearce - Outlook Manager Critical and Complex Complaints Commonwealth Bank of Australia ************** IMPORTANT MESSAGE ***************************** This e-mail message is intended only for the addressee(s) and contains information which may be confidential. If you are not the intended recipient please advise the sender by return email, do not use or disclose the contents, and delete the message and any attachments from your system: Unless specifically indicated, this email does not constitute formal advice or commitment by the sender or the Commonwealth Bank of Australia (ABN AFSL and Australian credit licence or its subsidiaries. We can be contacted through our web site: If you no longer wish to receive commercial electronic messages from us, please reply to this e-mail by typing Unsubscribe in the subject line. ************************************************************** 11•••••••••••••••••••••••• Mo. • •••••• Ie• ...14 • •••••••• • 'PI • • ••• ••••..• • • • oft EFTA00267012