Another Banking Scam
Discussion
ging84 said:
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.
Simple. Don't respond to any unexpected e-mails or texts that require you to input anything. Just ring the bank on their usual number.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.
Sy1441 said:
DHOTY
Do you mean DNHOTY?It definitely happened and was definitely a scam
![](https://thumbsnap.com/sc/oSw1PRZA.png[/img]</a> <a href="https://thumbsnap.com/MmtXLUWN" Target="_blank" rel="nofollow">[img]https://thumbsnap.com/sc/MmtXLUWN.png)
That was the incoming call yesterday afternoon and my out going call to Lloyds yesterday evening.
The original call after the texts is at the bottom, I don't think my phone was labelling it as spam at the time but now is. All the other calls were me to Lloyds except the one to my mother.
These were the original texts which I have now blocked
Terminator X said:
Never click links on any emails or texts is easiest way to avoid scams + call the Bank in question and ask them. I have been getting scam emails from Lloyd's for years but thankfully I don't bank with them!
TX.
Yes, I also used to get messages from Lloyds Bank despite never having had any account with them.TX.
This data breach search site might help uncover how they got your bank details the first time around. https://www.fasterbroadband.co.uk/tools/data-breac...
weldingwizard said:
This data breach search site might help uncover how they got your bank details the first time around.
Did they have OP's email address? Regardless, go direct to the source of that data. https://haveibeenpwned.com/
Use the "Notify me" option and you can get notifications if/when your email appears in a new breach.
https://en.wikipedia.org/wiki/Have_I_Been_Pwned%3F
They had 4 digits of my card and my mobile number.
It was a card rarely used online for anything other than take aways, but I've been having them an awful lot over the last few months, I suspect every delivery driver in the county has handled a receipt with those 4 digits, along with my name, mobile number and address while alone in their car, I suspect there are some drivers out there willing to pass on these details for a small fee.
It was a card rarely used online for anything other than take aways, but I've been having them an awful lot over the last few months, I suspect every delivery driver in the county has handled a receipt with those 4 digits, along with my name, mobile number and address while alone in their car, I suspect there are some drivers out there willing to pass on these details for a small fee.
Just had this occur to me, copy and pasted the wording into Google and was brought to this thread conveniently.
It’s a scam. They’ve spoofed your bank’s number so the original text message saying “we’ll contact you” is from the fraudster, but looks legit, and then they contact you from a normal mobile number owned by the fraudsters.
It’s a good one though. Easy for me to catch as the last 4 card numbers they mentioned had already been compromised and replaced. Which in itself was interesting as that card had never left the sticky backed envelope in a drawer that it arrived in as I don’t use the account for any card transactions
It’s a scam. They’ve spoofed your bank’s number so the original text message saying “we’ll contact you” is from the fraudster, but looks legit, and then they contact you from a normal mobile number owned by the fraudsters.
It’s a good one though. Easy for me to catch as the last 4 card numbers they mentioned had already been compromised and replaced. Which in itself was interesting as that card had never left the sticky backed envelope in a drawer that it arrived in as I don’t use the account for any card transactions
Terminator X said:
Never click links on any emails or texts is easiest way to avoid scams + call the Bank in question and ask them. I have been getting scam emails from Lloyd's for years but thankfully I don't bank with them!
TX.
Scam text from Lloyds the other day too, lol they won't leave me alone! I just marked it as spam on the mobile so hopefully won't see it again.TX.
TX.
S17Thumper said:
I had to look HSBC up as my wife got some iffy texts, they actually have screenshots of genuine ones and basically say to ignore anything that looks different
We get genuine HSBC email alerts on our business account and they look like scams - they come from a named person's email address with a sometimes random country domain, with a direct phone number.I had one yesterday, then got into a right mess trying to report it as spam.
My phone has the option to report as spam, but in the background it sends a message to a special number the carrier uses to report and sends out an acknowledgement, I think the whole process is meant to be invisible to the user but I ended up looking at one of these report messages and thinking oh no not another one, reported again so ended up reporting the spam report number as spam and blocking it.
Luckily I don't think it auto reports subsequent messages that it moves to spam or I'd have created an infinite loop.
My phone has the option to report as spam, but in the background it sends a message to a special number the carrier uses to report and sends out an acknowledgement, I think the whole process is meant to be invisible to the user but I ended up looking at one of these report messages and thinking oh no not another one, reported again so ended up reporting the spam report number as spam and blocking it.
Luckily I don't think it auto reports subsequent messages that it moves to spam or I'd have created an infinite loop.
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