A Birmingham businesswoman has criticised West Midlands Police after claiming she was told there was no point reporting the fact her bank card had been cloned because it was such a common occurrence.
The 31-year-old, who asked not to be named, had been out with friends and used the Lloyds TSB cashpoint in Woodbridge Road, Moseley, last Saturday night.
She said she was unaware of any problem until her bank - HSBC - informed her that the card's details had been copied and someone had tried to withdraw money from her account.
But when she contacted police at Belgrave Road station, she said she was shocked by the dismissive attitude.
"I received a call from the fraud department at HSBC bank informing me that my card details had been copied and an attempt had been made to withdraw money," she said.
"Thankfully, it had not been successful and I was advised to contact my local police station.
"I rang Belgrave Road, only to be informed by an extremely disinterested officer that such crimes were very common and that it was most likely 'Asians or East Europeans who do a lot of this kind of thing'.
"I was appalled by his comments and stated that I didn't see what nationality had to do with anything."
The businesswoman emailed West Midlands Police highlighting her concerns about the growing problem of card cloning and her lack of satisfaction with her treatment.
Last year, card fraudsters spent #10.3 million of other people's money in Birmingham - an increase of #700,000 on the figure for the previous year.
Although money spent on 'card not present' transactions fell from #2.2 million to #1.9 million, the amount put on counterfeit cards rose from #3.3 million to #3.7 million.
She said: "Why aren't more people aware of this problem? Why isn't more being done to tackle this issue?
"I got the distinct impression that the police couldn't be bothered following up reports of card theft, but a crime has still been committed."
Mark Bowerman, spokesman for APACS - the UK's payment association - said Birmingham was a "hot spot" for card fraud.
He admitted that the introduction of Chip and PIN technology - a unique chip embedded in the card works with a PIN number instead of a signature - did not tackle certain forms of fraud.
"While Chip and PIN protects consumers from having their cards cloned - you cannot reproduce the chip embedded in it - they are still 'skimmed' in cashpoints," said Mr Bowerman.
"Also, this device does not prevent the card details being used to pay for goods over the phone or internet.
"However retailers are becoming ever more vigilant about 'card not present' fraud, and Barclays are trialling a new 'tamper-proof' cashpoint frontage.
"Most banks and cashpoint owners are monitoring that pilot scheme, but it's not an industry-wide initiative at present."
Last night, a West Midlands Police spokeswoman said: "We are trying to establish contact with this woman to see if she wishes to make a formal complaint.
"We take all complaints seriously and we are looking into this matter and will deal appropriately."