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| [Phish] Your "insert bank name here" debit card has been shut of So, my wife, and now me just got this interesting phone call from an "unknown" number to our cell phones.
She got hers, and it was a robo call, that went along the lines(well, exactly) of
"hello, this is members cooperative credit union calling to inform you that your debit card has been shut off, and your accounts have been frozen. To reactivate your cards and unfreeze your accounts call xxx-xxx-xxxx(numbers not important, we each got different numbers)".
I called the number back that she got, and this lady(called herself sarah, but had a very heavy, unidentifiable accent) wanted to confirm my name, and my card number, and my security code, and my pin. Its a scam, since no bank would ever call you, and tell you to call them back, or even ask for this info over the phone in this manner.
The call back numbers vary, and the incoming number is blocked or unknown, but it also varies(2 different numbers for each my wife and me, so they are spoofed). The callback numbers are registered in the southern US, but are likely just being rotated as they are reported(different for each call that we got).
They called for both me and my wife, with specific card bank names(I have more than 1 account, got a call for each of them, not just credit unions, ). Also, once they know its a live line, they call it relentlessly. Just a warning for those who have not gotten them yet, but somehow they know which cards and banks you have already accounts at(someone sold their info to the wrong person maybe?). Its very targeted, and if your not aware, someone could easily fall for it.
Remember, no bank will ever call you to tell you anything. Every bank will let you find out, and then you should only ever call the number on the back of your card, or go into a branch. This is a relatively old scam(started last year, but dropped off the radar since about last week). Just letting people know that they are spinning the wheels up again. | | |
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 pcdebbRIP dadkinsPremium
join:2000-12-03
Brandon, FL
kudos:5
·RoadRunner Cable
| Re: [Phish] Your "insert bank name here" debit card ha post the numbers here anyway. the threads here get indexed so when people search, it will increase the ranking, helping in the fight. may not be much, but every little bit helps.
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| reply to Chubbysumo
said by Chubbysumo:Remember, no bank will ever call you to tell you anything.
Of course they will call you! Just to name one, Visa was in a panic several years ago trying to reach me about a compromised card. Numerous calls from banks over the years for whatever reason. To be on the safe side though, you should ask for a name and call back on the toll free number on the card.
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| said by Chubbysumo: you should only ever call the number on the back of your card, or go into a branch.
THIS
said by bitemeboy:said by Chubbysumo:Remember, no bank will ever call you to tell you anything.
Of course they will call you! Just to name one, Visa was in a panic several years ago trying to reach me about a compromised card. Numerous calls from banks over the years for whatever reason. To be on the safe side though, you should ask for a name and call back on the toll free number on the card. Yep. Banks do legitimately call you.
Mine once (verified legitimately) called me about a questionable charge (which was valid) and the agent did ask for my account number to "verify" who they are speaking with. I told them, "YOU called ME so you need to tell me what my account number is to verify you are who you say you are." The agent said they couldn't do that, so I said, "then give me your name and a call back number because I don't give out my information to unsolicited cold calls no matter how urgent sounding." They did, but I still called the main number on the back of the card anyway. I also investigated the original call to be true. Very stupid, that's one major reason why these scams proliferate.
-Jim | |
 nwrickertsand groperPremium,MVM
join:2004-09-04
Geneva, IL
kudos:7 | That's what happens when the banks hire the lowest paid service reps that they can get. | |
| said by nwrickert:That's what happens when the banks hire the lowest paid service reps that they can get.
Yep. The rep explained that the computer system elsewhere makes the call, but then it's routed to them (in another state) where they need to verify the person that answered is in fact the account holder. She sounded to be barely out of her teens. This was either Wells Fargo or Wachovia before it was taken over by Wells.
Even worse there was the time my investment bank suddenly "upgraded" (their word) system and upon logon to your portfolio you couldn't continue without re-giving them all of your personal data (address, ss#, mothers maiden name, etc) exactly how a phish/hack would. Information of course they already had, but apparently too lazy to import to their new database. I near lost it when I called to report this and found it was infact by their design. :/
-Jim | |
| reply to Chubbysumo
Glad you brought this up. I got a call like that and when I told my friends about it, they didn't seem to know. I was alarmed. If a lot of people aren't aware that such a scam existed, those scammers may just be able to scam people easily.
I read this article about a senior who fell for the scam and called the phone number provided by the scammer. When he called, a lady answered and asked for his bank information, which he supplied without question. He found out later on that all the money he had in his account has been drained. | |
| reply to Chubbysumo
This is the reason why I always make it a point that whenever I get suspicious phone calls. I get as much as information as I can from the caller, especially the phone number, and report it to »www.callercenter.com and the FTC in an attempt to shut the scam down. | |
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| reply to JALevinworth
said by JALevinworth :said by Chubbysumo: you should only ever call the number on the back of your card, or go into a branch.
THIS said by bitemeboy:said by Chubbysumo:Remember, no bank will ever call you to tell you anything.
Of course they will call you! Just to name one, Visa was in a panic several years ago trying to reach me about a compromised card. Numerous calls from banks over the years for whatever reason. To be on the safe side though, you should ask for a name and call back on the toll free number on the card. Yep. Banks do legitimately call you. Mine once (verified legitimately) called me about a questionable charge (which was valid) and the agent did ask for my account number to "verify" who they are speaking with. I told them, "YOU called ME so you need to tell me what my account number is to verify you are who you say you are." The agent said they couldn't do that, so I said, "then give me your name and a call back number because I don't give out my information to unsolicited cold calls no matter how urgent sounding." They did, but I still called the main number on the back of the card anyway. I also investigated the original call to be true. Very stupid, that's one major reason why these scams proliferate. -Jim All banks that I have worked with have policies that they will never call you about your accounts. In fact, my debit cards have been shut off for "suspicious" spending(I traveled before I told them), and they did not call, and when i asked after i called, I was informed that they would never call you with a non-commercial(meaning account related) call. Sure, they may call to sell your other service, but never to tell you your cards have been shut off. I was also told they will never ask for your account numbers over the phone(excepting wells fargo, but they are a near fraud bank anyways).
If they claim to be from a bank, ask them for their name, and then call back with the number on the back of your card and ask for that person. Legally, they have to tell you their first name, and who they represent(I do contracted calling, I have to abide by telemarketing laws, thus, i know them). If they will not give you their name or their company, and their caller ID does not have a legit, functioning call back number, then they are likely scammers. Also, if their Caller ID is blocked, then its also not a legal call from a dialer or company. | |
| said by Chubbysumo:All banks that I have worked with have policies that they will never call you about your accounts. In fact, my debit cards have been shut off for "suspicious" spending(I traveled before I told them), and they did not call, and when i asked after i called, I was informed that they would never call you with a non-commercial(meaning account related) call. Sure, they may call to sell your other service, but never to tell you your cards have been shut off. I was also told they will never ask for your account numbers over the phone(excepting wells fargo, but they are a near fraud bank anyways).
If they claim to be from a bank, ask them for their name, and then call back with the number on the back of your card and ask for that person. Legally, they have to tell you their first name, and who they represent(I do contracted calling, I have to abide by telemarketing laws, thus, i know them). If they will not give you their name or their company, and their caller ID does not have a legit, functioning call back number, then they are likely scammers. Also, if their Caller ID is blocked, then its also not a legal call from a dialer or company.
Yes, I realize this is not a practice you've run into with your banking, but it does unfortunately happen which my post was more of a rant about those who do.
FWIW my bank never actually said they were going to shut down the account or card, but questioned the charge.
Our message is the same otherwise... no matter what, do not give out information but call the number on the back of the card (or on your statement for any cold call about any type of an account you have; bank, mortgage co, insurance, etc.).
-Jim | |
 SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
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·RoadRunner Cable
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| said by JALevinworth :Our message is the same otherwise... no matter what, do not give out information but call the number on the back of the card (or on your statement for any cold call about any type of an account you have; bank, mortgage co, insurance, etc.).
Yes, the thing to know is that being on the receiving end places the caller in charge of the situation.
Never allow a caller not personally known to be in charge of a call - ever.
Always insist on a call back.
Hang up if there's any reluctance on the callers part to a call back.
Of course only call back a number that you can verify as legit (number on card, statement etc...) | |
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