markj1
Well-Known Member
I've had genuine calls from banks regarding potential fraud on my cards. I know they were genuine because I always call back the number on the back of the card. I guess some banks do call their customers, some don't.
Scammers getting clever.
- Thread starter Jon P
- Start date
I've had genuine calls from banks regarding potential fraud on my cards. I know they were genuine because I always call back the number on the back of the card. I guess some banks do call their customers, some don't.
Judging by the phone messages of this type that I've received over the years, where the background noise often indicates that the caller is in a massive call centre somewhere in Africa, or the middle or far east, this scamming has effectively become a well-established industry. And possibly with local law enforcement "on the take".
D.
D.
Flash G 74
Well-Known Member
Hello, The main scammers now are in India
Had one which almost had me the other day but I was suspicious enough to not trust them and transfer my money from the account in question to a different institution whilst they thought I was about to transfer it to their special 'secure' account. When I told them I had actually removed the funds to my personal account, I had to infer their frustration from the immediate hang up. It was quite satisfying.
They obviously have some way to fake message ID because the messages they sent me were in the thread of genuine messages from the original company the funds were with.
I'm usually hard to fool but that one was closer than I'd like.
They obviously have some way to fake message ID because the messages they sent me were in the thread of genuine messages from the original company the funds were with.
I'm usually hard to fool but that one was closer than I'd like.
Flash G 74
Well-Known Member
Hello, That is where most are found on BBC Scammers
FrenchieBoy
Well-Known Member
There's a good series of programs on the BBC called "Scam Interceptors" often shown during the afternoons on week days. It is quite eye opening seeing how convincing some of these scammer (Usually from India) really are, especially with the elderly and gullible! It's one of the few good programs from the BBC that is worth watching as their team do a really good job!
TringSaint
Well-Known Member
The key one to watch is if someone is trying to create an Apple Pay or Google pay account using your card details.
There is nothing on the device to stop this from being done and the only piece of security is the single six digit auth code that is needed.
So if the criminals have got something on your phone that means they can see what’s on your screen then it’s not hard to call up pretending to be the bank, push through a couple of dodgy payments so show your account is compromised and then go for the Apple Pay auth. If they get this one code then they can clear your account in minutes as ALL of the transaction authentication moves to the device and not your app or card, so you will have no idea it’s happening until it’s too late.
My recommendation is that if you use a service from a new digital bank (monzo, Revolut et al) then lock the card at all times unless you want to use it and then relock it on the app, especially if travelling abroad.
This will prevent all card fraud from happening.
Good thing now is that all APP fraud has to be paid back 50% by your bank and 50% by the receiving bank (as one has allowed money to be stolen and the other allowed stolen money to be deposited!)
There is nothing on the device to stop this from being done and the only piece of security is the single six digit auth code that is needed.
So if the criminals have got something on your phone that means they can see what’s on your screen then it’s not hard to call up pretending to be the bank, push through a couple of dodgy payments so show your account is compromised and then go for the Apple Pay auth. If they get this one code then they can clear your account in minutes as ALL of the transaction authentication moves to the device and not your app or card, so you will have no idea it’s happening until it’s too late.
My recommendation is that if you use a service from a new digital bank (monzo, Revolut et al) then lock the card at all times unless you want to use it and then relock it on the app, especially if travelling abroad.
This will prevent all card fraud from happening.
Good thing now is that all APP fraud has to be paid back 50% by your bank and 50% by the receiving bank (as one has allowed money to be stolen and the other allowed stolen money to be deposited!)
I don't usually manage to answer the phone before they hang up, if I do and it's a foreign voice, I say "You're not from round these parts, are you". Any missed calls, I text back "Partially deaf, best to text". If they don't text back, I save the number as "Suspected Scam*"
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