Credit Card Fraud

Author
Discussion

paul789

3,676 posts

103 months

Saturday 18th November 2017
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Gavia said:
James TiT said:
Gavia said:
This is the new SantaBarbara bot. All posts are one sentence long.
Most sensible replies are one sentence long. That is just plain top quality forum etiquette.
Nine months membership, not a peep until the last few weeks, when you became prolific, after SantaBarbara got called out.
Calling them ‘bots’ gives them an air is mystique, we should call them ‘no-mums’ instead.

OddCat

2,515 posts

170 months

Saturday 18th November 2017
quotequote all
I'm betting the email is genuine. It looks like Lloyds are responding to an email sent to them by the OP from which they have been unable to identify him....

Question is, what did the OPs original email to Lloyd's say and to what email address did he send it ?

bad company

Original Poster:

18,484 posts

265 months

Saturday 18th November 2017
quotequote all
OddCat said:
I'm betting the email is genuine. It looks like Lloyds are responding to an email sent to them by the OP from which they have been unable to identify him....

Question is, what did the OPs original email to Lloyd's say and to what email address did he send it ?
I didn’t send an email to Lloyds and the email account this arrived at is not the one I use for banking. Also on checking Lloyds website they always name their customer in genuine emails so it would be addressed Dear Mr Bad Company.

The frightening thing is that this scam email is very good, to the point that you and others really thought it was genuine.

bitchstewie

50,781 posts

209 months

Saturday 18th November 2017
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From what you've just added (haven't been in contact with the bank, them not having that email address) then of course it's almost certainly a scam.

I have a couple of people where I work who routinely forward me the real emails that their banks and utility providers send them because they're convinced they're scams.

Headers are the "proof" if there are no links or anything else in the message body that you can quickly hover over and check.

The banks do daft things and the scammers are getting better.

bad company

Original Poster:

18,484 posts

265 months

Saturday 18th November 2017
quotequote all
bhstewie said:
From what you've just added (haven't been in contact with the bank, them not having that email address) then of course it's almost certainly a scam.

I have a couple of people where I work who routinely forward me the real emails that their banks and utility providers send them because they're convinced they're scams.

Headers are the "proof" if there are no links or anything else in the message body that you can quickly hover over and check.

The banks do daft things and the scammers are getting better.
Just to clarify, I have been in contact with my bank regarding disputed credit card payments but by telephone, I never sent them an email.

bitchstewie

50,781 posts

209 months

Saturday 18th November 2017
quotequote all
bad company said:
Just to clarify, I have been in contact with my bank regarding disputed credit card payments but by telephone, I never sent them an email.
I'm taking what you said at face value i.e. if the email has come to badcompany@somewhere and the bank have never been aware of that address then it's a scam, simple as that because they couldn't know of that address.

From your OP it sounded as if there had been some communication where you were expecting something from the bank - on that basis and going solely from the email text you've posted I wouldn't rule it out - until you clarified they don't have that email address and never have had it.

bad company

Original Poster:

18,484 posts

265 months

Saturday 18th November 2017
quotequote all
bhstewie said:
I'm taking what you said at face value i.e. if the email has come to badcompany@somewhere and the bank have never been aware of that address then it's a scam, simple as that because they couldn't know of that address.

From your OP it sounded as if there had been some communication where you were expecting something from the bank - on that basis and going solely from the email text you've posted I wouldn't rule it out - until you clarified they don't have that email address and never have had it.
Yes I was expecting something from the bank and at first I didn’t notice that the email had arrived at a different email address than the one the bank has.

Gavia

7,627 posts

90 months

Saturday 18th November 2017
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Inreceived a text message that joined the chain of text messages from Barclays on my iPhone suggesting fraud on my account and urging me to ring them on a number on the text.

Very convincing and Barclays couldn’t have cared less when I rang them. Disappointed with their response

The text message showing in full is the fraudulent one, the redacted ones are genuine tests from
Barclays.

Many people will fall for this IMO.


bad company

Original Poster:

18,484 posts

265 months

Saturday 18th November 2017
quotequote all
Gavia said:
Inreceived a text message that joined the chain of text messages from Barclays on my iPhone suggesting fraud on my account and urging me to ring them on a number on the text.

Very convincing and Barclays couldn’t have cared less when I rang them. Disappointed with their response

The text message showing in full is the fraudulent one, the redacted ones are genuine tests from
Barclays.

Many people will fall for this IMO.

Scary, I wonder how they managed to get their message to join the genuine ones?

The best advice is never to call the number in the message, only call the number on your debit or credit card.

Gavia

7,627 posts

90 months

Saturday 18th November 2017
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bad company said:
Scary, I wonder how they managed to get their message to join the genuine ones?

The best advice is never to call the number in the message, only call the number on your debit or credit card.
No idea, but it’s poor form from Barclays to not give a st. Their advice was as dull as “just delete the text and ignore it” with no thought for what the wider impact could be on more vulnerable customers.

Red Devil

13,055 posts

207 months

Saturday 18th November 2017
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OddCat said:
I'm betting the email is genuine. It looks like Lloyds are responding to an email sent to them by the OP from which they have been unable to identify him....
And I'm betting it very definitely isn't. No UK bank will ask a customer to confirm such information in an e-mail.
The fact you think it is genuine is worrying. That's what the scammers rely on: customers' naivety/gullibility.

OddCat

2,515 posts

170 months

Sunday 19th November 2017
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Red Devil said:
And I'm betting it very definitely isn't. No UK bank will ask a customer to confirm such information in an e-mail.
The fact you think it is genuine is worrying. That's what the scammers rely on: customers' naivety/gullibility.
Hold on. The OP was talking about fraud on his Lloyd's card. He then posts a copy of an email from Lloyds that says something along the lines "we are unable to identify you "from the information you provided" but he (the OP) doesn't mention that he had had no contact with Lloyd's ! Nor that the email had gone to a different address to that which Lloyd's normally use and one that they wouldn't know about.

Helps if we don't start with half a story.....

Edited to add....it won't surprise me at all to find that the OP did email Lloyds from the same email address and the response from Lloyd's is genuine (in that they only have that address to which to respond and the alternative is that they don't respond to the clients email at all.....

Edited by OddCat on Sunday 19th November 11:41

bad company

Original Poster:

18,484 posts

265 months

Sunday 19th November 2017
quotequote all
OddCat said:
Edited to add....it won't surprise me at all to find that the OP did email Lloyds from the same email address and the response from Lloyd's is genuine (in that they only have that address to which to respond and the alternative is that they don't respond to the clients email at all.....

Edited by OddCat on Sunday 19th November 11:41
It would surprise me. As I posted earlier in the thread all my communications with the bank regarding the fraud have been on the telephone.

rxe

6,700 posts

102 months

Sunday 19th November 2017
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I’ve also had the Barclays one. In amongst the genuine texts (e.g you’ve added a payee), there was a fraud message saying someone had spend £1400 on my card in Sports Direct in Tel Aviv (WTF, they have that god awful store there?). I then got an automated call (as expected) asking me to confirm/deny that it was me - what got my attention was “enter sort and AC”, rather than their usual “have you ever lived in Peckham” style questions.

Called them direct though the app, it was all bks, no fraud, no Sports Direct. They seemed remarkably unconcerned.




OddCat

2,515 posts

170 months

Sunday 19th November 2017
quotequote all
bad company said:
It would surprise me. As I posted earlier in the thread all my communications with the bank regarding the fraud have been on the telephone.
Is there any chance you put tatemail address on your Lloyd's Avios card application ?

bad company

Original Poster:

18,484 posts

265 months

Sunday 19th November 2017
quotequote all
OddCat said:
bad company said:
It would surprise me. As I posted earlier in the thread all my communications with the bank regarding the fraud have been on the telephone.
Is there any chance you put tatemail address on your Lloyd's Avios card application ?
Yes I suppose that is possible although I don’t recall doing so. I signed into Lloyd’s bank yesterday and confirmed that they have a different email address showing for me.

bugmenot

129 posts

132 months

Sunday 19th November 2017
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Lloyds employee here and I have a couple of thoughts.

I believe the name in the email is actually somebody within the credit card disputes team at Lloyds Banking Group.

The credit card disputes team do communicate via email and LloydsDisputes@lloydsbanking.com is the correct email address for them. "$Lloyds Disputes" is an internal alias.

The email footer with the registered office information is automatically added to emails sent by Lloyds and in this case it's correct to the letter.

The post code BX1 1LT is used exclusively by Lloyds and any mail sent there would be internally forwarded to the correct department.

In regards to Lloyds not having this particular email address, by any chance have you ever used this email with Halifax, Bank of Scotland or any other part of Lloyds Banking Group?

Banks wouldn't ask you to send them security or login details via email. But the request here is quite reasonable and normal in that they would indeed need your name and post code to locate your account(s) on the system and the last 4 digits of the card number to identify the particular card in question.

The problem is that you haven't actually sent an email to them. The only genuine explanation I can think of is that in dealing with your fraud case they needed to raise a dispute internally but maybe not enough information was provided by the fraud agent?

Edited by bugmenot on Sunday 19th November 18:52

SpaceCowboy

563 posts

235 months

Sunday 19th November 2017
quotequote all
Do not reply to that email.

I worked as a Fraud Investigator for Lloyds Banking Group and cannot recall a single instance where I or any of my colleagues contacted a customer by email. Nor can I recall it even being an option made available to us.

Occasionally a text message would have been sent, but only after we had first tried to make contact by phone without success.


bugmenot

129 posts

132 months

Sunday 19th November 2017
quotequote all
SpaceCowboy said:
Do not reply to that email.

I worked as a Fraud Investigator for Lloyds Banking Group and cannot recall a single instance where I or any of my colleagues contacted a customer by email. Nor can I recall it even being an option made available to us.

Occasionally a text message would have been sent, but only after we had first tried to make contact by phone without success.
Because the fraud teams never communicate with customers by email. But the disputes teams do.

gumshoe

824 posts

204 months

Sunday 19th November 2017
quotequote all
OddCat said:
I'm betting the email is genuine. It looks like Lloyds are responding to an email sent to them by the OP from which they have been unable to identify him....

Question is, what did the OPs original email to Lloyd's say and to what email address did he send it ?
No it's not. And if they were replying to the OP or if it was from Lloyds they would not write Dear Customer, they would write Dear Mr XXXXX.

They would know who they are communicating with.