Another Banking Scam
Discussion
Was just nearly on the receiving end of a banking scam
Text came in from 'Lloyds Bank' saying 'You will shortly receive a text from Lloyds Bank to confirm recent activity on you card ending xxxx' with the correct last 4 digits of my card
Next text comes through, again references the last 4 digits so seems genuine, mentions a small value translation at an unrecognisable name. Say this payment was declined if this was you reply YES otherwise reply NO. There is no need to call us, responding to this text is the quickest way to update your account.
Responded NO and received a call almost immediately from an innocent looking 0345 number and was put on hold, something about it seemed suspicious so i decided to hang up and call them direct. Can't get through at the moment but looking back the scam is obvious.
The first text looked genuine enough, but the second text was from a mobile number. Anyone can send a text setting the sender ID to something like a bank's name, but you cannot reply so this was the need for the second text, second text I was already expecting so wasn't really looking at the number it came from. They might have got away with it had they not have had hold music that seemed off brand.
Text came in from 'Lloyds Bank' saying 'You will shortly receive a text from Lloyds Bank to confirm recent activity on you card ending xxxx' with the correct last 4 digits of my card
Next text comes through, again references the last 4 digits so seems genuine, mentions a small value translation at an unrecognisable name. Say this payment was declined if this was you reply YES otherwise reply NO. There is no need to call us, responding to this text is the quickest way to update your account.
Responded NO and received a call almost immediately from an innocent looking 0345 number and was put on hold, something about it seemed suspicious so i decided to hang up and call them direct. Can't get through at the moment but looking back the scam is obvious.
The first text looked genuine enough, but the second text was from a mobile number. Anyone can send a text setting the sender ID to something like a bank's name, but you cannot reply so this was the need for the second text, second text I was already expecting so wasn't really looking at the number it came from. They might have got away with it had they not have had hold music that seemed off brand.
Have to say, that doesn't sound like a scam - as above I've had similar exchanges both with Halifax (i.e., Lloyds) and HSBC. All the banks are working out ways to identify & deal with fraudulent transactions quicker and a text to a trusted number saying 'was this you' is an excellent way to do that first check.
Either way, you'll find out when you finally get through to them I guess - will be interested to know the outcome one way or the other.
Either way, you'll find out when you finally get through to them I guess - will be interested to know the outcome one way or the other.
Another vote for Not A Scam.
I had a text message from First Direct asking me to give them a ring. I called them on their normal number and got put through to the Fraud Department who asked me if I'd booked a holiday to Greece on my credit . I hadn't so they told me to cut up my CC and they sent me a new one.
I had a text message from First Direct asking me to give them a ring. I called them on their normal number and got put through to the Fraud Department who asked me if I'd booked a holiday to Greece on my credit . I hadn't so they told me to cut up my CC and they sent me a new one.
I'm calling from your bank.. https://youtu.be/R9biM_ZfIdo?t=400
+1 for "not a scam". They know the last 4 card digits and who you bank with.
but yes, call them back, ideally from a different number to the one they called you on...
+1 for "not a scam". They know the last 4 card digits and who you bank with.
but yes, call them back, ideally from a different number to the one they called you on...
I've been trying to get through to them all afternoon.
There chat app is down and there call center is busy, keeps telling me to book a call back. I tried this got a call but then I had no way to verify it was then and refused to give them my card number.
If it was genuine I'm going to be really pissed off its 2020 banks should not be texting you about suspect ed fraud from a random mobile number
There chat app is down and there call center is busy, keeps telling me to book a call back. I tried this got a call but then I had no way to verify it was then and refused to give them my card number.
If it was genuine I'm going to be really pissed off its 2020 banks should not be texting you about suspect ed fraud from a random mobile number
ging84 said:
I've been trying to get through to them all afternoon.
There chat app is down and there call center is busy, keeps telling me to book a call back. I tried this got a call but then I had no way to verify it was then and refused to give them my card number.
If it was genuine I'm going to be really pissed off its 2020 banks should not be texting you about suspect ed fraud from a random mobile number
You realise caller ID is pretty easy to spoof?There chat app is down and there call center is busy, keeps telling me to book a call back. I tried this got a call but then I had no way to verify it was then and refused to give them my card number.
If it was genuine I'm going to be really pissed off its 2020 banks should not be texting you about suspect ed fraud from a random mobile number
Have you tried googling for the numbers that called you? That's usually a good starting point.
deckster said:
Wait. You booked a call, they called you, and you refused to give them any information? Seriously?
The easiest way to verify it's actually your bank when they call back is to give an incorrect answer when they take you through security. If it's a scammer they will not know it's incorrect and will simply thank you for the information.
I was scammed in a similar way a few weeks ago with my Capital One credit card.
I got the call asking if I had made certain transactions, reassuring me they were cancelling them for me. They then sent me text messages which appeared on my phone with the contact name Capital One asking me to reply Y/N etc to certain questions, whilst I was still on the phone to them.
They had my last 4 numbers of my card, and knew my name and address. I logged into my account whilst still on the phone to them and saw the transactions occurring, a £1 transaction and a £3,000 pending transaction. When I asked for the fraud dept telephone number the guy put the phone down on me.
I called my card provider and they confirmed the call I had received was a scam and that the two transactions had been made fraudulently. They cancelled everything and issued me a new card.
It was all very convincing. I work in a fraud dept and it was still very convincing. If it hadn't been for the fact that in any situations like that I always ask them certain questions then they would have got away with it. If I had looked at my account later and saw the transactions I would have assumed they were being cancelled, as per the call. Anyone with less marbles would easily have been convinced by them.
I got the call asking if I had made certain transactions, reassuring me they were cancelling them for me. They then sent me text messages which appeared on my phone with the contact name Capital One asking me to reply Y/N etc to certain questions, whilst I was still on the phone to them.
They had my last 4 numbers of my card, and knew my name and address. I logged into my account whilst still on the phone to them and saw the transactions occurring, a £1 transaction and a £3,000 pending transaction. When I asked for the fraud dept telephone number the guy put the phone down on me.
I called my card provider and they confirmed the call I had received was a scam and that the two transactions had been made fraudulently. They cancelled everything and issued me a new card.
It was all very convincing. I work in a fraud dept and it was still very convincing. If it hadn't been for the fact that in any situations like that I always ask them certain questions then they would have got away with it. If I had looked at my account later and saw the transactions I would have assumed they were being cancelled, as per the call. Anyone with less marbles would easily have been convinced by them.
The other week I was pleasantly surprised by HSBC's anti fraud measures even though it was me making the transaction.
Basically I was using my credit card to pay the balance for the sofa's we'd had delivered, that we ordered via my Mrs's Next account. So almost two grand was the figure.
Anyway HSBC kicked the transaction back online on her Next account when we entered my card details, and my phone bonged with a text message from 'HSBCFraud' telling me I would be shortly getting a text message from mobile number '###' and to follow the directions on how to respond.
Sure enough the text message landed from number '###' and I had to reply back if it was me that made the transaction text Y, if it wasn't text N.
It then thanked me for responding and instructed me to try the transaction again. They also sent me a One Time Passcode that you had to enter whilst doing the transaction which was only valid for ten minutes.
All in all, I was very impressed at the measures they have in place and the simplicity in the solution to confirm your identity and to get the transaction processed.
Basically I was using my credit card to pay the balance for the sofa's we'd had delivered, that we ordered via my Mrs's Next account. So almost two grand was the figure.
Anyway HSBC kicked the transaction back online on her Next account when we entered my card details, and my phone bonged with a text message from 'HSBCFraud' telling me I would be shortly getting a text message from mobile number '###' and to follow the directions on how to respond.
Sure enough the text message landed from number '###' and I had to reply back if it was me that made the transaction text Y, if it wasn't text N.
It then thanked me for responding and instructed me to try the transaction again. They also sent me a One Time Passcode that you had to enter whilst doing the transaction which was only valid for ten minutes.
All in all, I was very impressed at the measures they have in place and the simplicity in the solution to confirm your identity and to get the transaction processed.
LeadFarmer said:
I was scammed in a similar way a few weeks ago with my Capital One credit card.
I got the call asking if I had made certain transactions, reassuring me they were cancelling them for me. They then sent me text messages which appeared on my phone with the contact name Capital One asking me to reply Y/N etc to certain questions, whilst I was still on the phone to them.
They had my last 4 numbers of my card, and knew my name and address. I logged into my account whilst still on the phone to them and saw the transactions occurring, a £1 transaction and a £3,000 pending transaction. When I asked for the fraud dept telephone number the guy put the phone down on me.
I called my card provider and they confirmed the call I had received was a scam and that the two transactions had been made fraudulently. They cancelled everything and issued me a new card.
It was all very convincing. I work in a fraud dept and it was still very convincing. If it hadn't been for the fact that in any situations like that I always ask them certain questions then they would have got away with it. If I had looked at my account later and saw the transactions I would have assumed they were being cancelled, as per the call. Anyone with less marbles would easily have been convinced by them.
I'm with Capitol One and I use their multi-check system for calls and access to my page. I also have a limit on how much I can spend on one transaction without first notifying them. I know that if I receive a telephone call without previous notification, it's not them. I got the call asking if I had made certain transactions, reassuring me they were cancelling them for me. They then sent me text messages which appeared on my phone with the contact name Capital One asking me to reply Y/N etc to certain questions, whilst I was still on the phone to them.
They had my last 4 numbers of my card, and knew my name and address. I logged into my account whilst still on the phone to them and saw the transactions occurring, a £1 transaction and a £3,000 pending transaction. When I asked for the fraud dept telephone number the guy put the phone down on me.
I called my card provider and they confirmed the call I had received was a scam and that the two transactions had been made fraudulently. They cancelled everything and issued me a new card.
It was all very convincing. I work in a fraud dept and it was still very convincing. If it hadn't been for the fact that in any situations like that I always ask them certain questions then they would have got away with it. If I had looked at my account later and saw the transactions I would have assumed they were being cancelled, as per the call. Anyone with less marbles would easily have been convinced by them.
I've been with them for years. I would, and have, recommend them. I'd say not the cheapest interest rate, but I got mine a bit (a fraction) below the advertised rate as I'd been with them for so long.
I've only used them once for a disagreement. They reimbursed me on the day I contacted them, but it took them two months to get the company to repay them. Yet they get nothing from me. I pay up at the end of the month. My wife feels sorry for them, at least that's her excuse for spending.
So great. However, I got a strongly worded criticism when I went into credit by about £400. I was repaid for an item that broke. It was quite abrupt, telling me that it gave them problems. I was going to send back to them, pointing out that I had an inexhaustible list of people who would have been chuffed to get it.
I don't blame the OP for being suspicious whether the call was genuine or not. I get any number of email order confirmations that "your card ending in xxxx has been debited with £y and the order will be shipped to.." Who knows who else has seen that data?
The first four digits might also be possible to work out if the card issuer can be ascertained, but asking a caller for say, digits five to eight might be a killer for someone trying it on with limited information.
The first four digits might also be possible to work out if the card issuer can be ascertained, but asking a caller for say, digits five to eight might be a killer for someone trying it on with limited information.
I have finally got through to someone, it was a scam as I suspected
They had no record of any transactions being declined or any attempt to contact me about anything.
Even more worryingly they had a log of me requesting a callback, but no record of them calling me, and the number I gave them as it coming from they said was not a lloyds number, so this was genuinely a second attempt to get my details by the scammer.
I didn't refuse to give them any information, but thankfully I did refuse to give them my full card number which they asked for.
They had no record of any transactions being declined or any attempt to contact me about anything.
Even more worryingly they had a log of me requesting a callback, but no record of them calling me, and the number I gave them as it coming from they said was not a lloyds number, so this was genuinely a second attempt to get my details by the scammer.
I didn't refuse to give them any information, but thankfully I did refuse to give them my full card number which they asked for.
ging84 said:
I have finally got through to someone, it was a scam as I suspected
They had no record of any transactions being declined or any attempt to contact me about anything.
Even more worryingly they had a log of me requesting a callback, but no record of them calling me, and the number I gave them as it coming from they said was not a lloyds number, so this was genuinely a second attempt to get my details by the scammer.
I didn't refuse to give them any information, but thankfully I did refuse to give them my full card number which they asked for
DHOTYThey had no record of any transactions being declined or any attempt to contact me about anything.
Even more worryingly they had a log of me requesting a callback, but no record of them calling me, and the number I gave them as it coming from they said was not a lloyds number, so this was genuinely a second attempt to get my details by the scammer.
I didn't refuse to give them any information, but thankfully I did refuse to give them my full card number which they asked for
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