Fraud department of my bank phoned me yesterday

[licks2nite]

Fraud department of my bank phoned me yesterday. Suspicious charges. No I haven't bought apps from Apple or anyone else. Sited London Drugs computer ransom attack as possible source. Said my $4.99 comes back to me. You stay on the phone so the fraud department can continue to service account and file for you to get the money back. Been a lot of security dirt lately in the States about AI. Reproducing human voice from just a few words. Scary pall. Whistleblower suicide at Boeing. Called back on the number given on the back of the credit card rather than the number given in the voicemail.

https://www.cbc.ca/news/canada/british-columbia/hackers-london-drugs-data-1.7213141

Having said that, I have to think about a one time ever credit card payment last week in a convenience store I visit about twice a week the last few years.

 

[Larry's Torch]

I don't answer any numbers I don't recognize. If it's important they'll leave a message. If they claim to be my bank or CC I just call the customer service number. However, that being said, I received a letter from a CC company about a card that was in my name that hadn't been activated yet. Turns out someone at a banking institution had done it. Getting harder to trust anyone these days.

 

[luvsdaty]

Fraud department of my bank phoned me yesterday. Suspicious charges. No I haven't bought apps from Apple or anyone else. Sited London Drugs computer ransom attack as possible source. Said my $4.99 comes back to me. You stay on the phone so the fraud department can continue to service account and file for you to get the money back. Been a lot of security dirt lately in the States about AI. Reproducing human voice from just a few words. Scary pall. Whistleblower suicide at Boeing. Called back on the number given on the back of the credit card rather than the number given in the voicemail.

https://www.cbc.ca/news/canada/british-columbia/hackers-london-drugs-data-1.7213141

Having said that, I have to think about a one time ever credit card payment last week in a convenience store I visit about twice a week the last few years.

I use a very deep voice when I 1st answer the phone. Most of the time it's a recorded massage in Cantonese or Mandarin, then I just hang up and block the number

 

[licks2nite]

New credit card delivery to your bank in only 2 to 3 business days. A week to 10 days through Canada Post. No greeting on my voicemail with artificial intelligence, AI copying 2 to 3 words and reproducing your speech to say anything AI wants it to say.

 

[Forum mod]

You have to verify that you are actually speaking to your bank. Hang up and call your bank's customer service line and ask to transfer to the fraud department. Don't just call back the number on your phone unless you know it's the right number. They can spoof that and not actually be calling from the bank. Your actual bank will ask you security questions to verify your identity, even if they call you. If you still aren't sure, go into your bank branch. These guys will sell your credit card info online and the fake charges most often come fast and furious, they look to run up a massive tab before the card is discovered as compromised.

There's a ton of scam calls and emails claiming to be bank security or fraud departments, phishing for personal info and card numbers. Sometimes very obvious, you bank with BMO, you get an email from RBC claiming fraud in your account that doesn't exist. Sometimes they are much more sophisticated and hard to detect. Use call block or call control, whatever your cell or phone provider offers, it will block 90% or more of robocalls as it requires the person to push a number before connecting you and the recordings are not smart enough (yet) to defeat that, but AI probably will at some point.

 

[tedsweettangv]

If you get a call you are not expecting from your bank or credit card company

Don't give them any information. If they ask your account number let them know they called you, so they should tell you what it is and you will verify it. The same goes for name, birthday, address or any other information and never give them a pin or password, your real financial institution will never need it. Also ask them what your balances are. Get their names and extension. Hang up and call your financial institution.

 

[angry anderson]

Post office keeps texting me about an undeliverable package. Just click on the link.......or not.
Thing that pisses me off in companies like Total AV. Uber. Bitbuy and on and on who are unreachable by phone, email or any other way.

 

[westwoody]

I had a card cloned at a hotel a few years ago by a kid working the front desk. He sat on it for a few months so it would be harder to identify where it was copied.
Never let your card out of your sight .
Never let a waiter take your card away from you at a restaurant or bar.

 

[masterblaster]

I had a card cloned at a hotel a few years ago by a kid working the front desk. He sat on it for a few months so it would be harder to identify where it was copied.
Never let your card out of your sight .
Never let a waiter take your card away from you at a restaurant or bar.

These days in bars and restaurants the staff pretty much always bring the card machine to the table.

 

[Larry's Torch]

You can also contact Transunion and Equifax to get a list of all accounts in your name. This will include all credit cards. After my little "incident" I called the CC company and reported it as fraud. They cancelled the card. I also called Transunion and Equifax and reported it as fraud. I asked them to put a fraud alert on my account, that way if anyone applies for something they should get a notification from Transunion or Equifax. Unfortunately it isn't mandatory in B.C., but I can't see them not doing it after confirmed fraudulent activity.
I believe you can get a free credit report once a month for free.

Equifax Fraud Alert

Transunion Fraud Alert (unfortunately this page reads like an ad)

 

[BobbyMcgee]

I had a card cloned at a hotel a few years ago by a kid working the front desk. He sat on it for a few months so it would be harder to identify where it was copied.
Never let your card out of your sight .
Never let a waiter take your card away from you at a restaurant or bar.

be suspicious and vigilant anytime someone says, oh your transaction didn’t go through, can i try again” it’s a card reader scam

 

[JackRyder]

Wow , a lot of great advice in this thread . So far never scammed , but I don't answer calls unless I know the number.

 

[GeeBeeP]

I had a card cloned at a hotel a few years ago by a kid working the front desk. He sat on it for a few months so it would be harder to identify where it was copied.
Never let your card out of your sight .
Never let a waiter take your card away from you at a restaurant or bar.

They still do this in at restaurants in the US!! I’m so used to the machine at the table now that my CC never leaves my hand. Freaked me the hell out when the server took my card and started walking away last time I was down there. I followed her to the front and she must have thought I was insane. WTF America.

 

[licks2nite]

Got my new credit card number and activated account. Been getting free bank apps from Apple that automatically displayed credit card charges. Quit apps because needed updating and replacing often. Never used a credit card with Apple ever. Apple about middle of May started charging my card $4.99 and saw no complaint. Tried charging $99.99 couple of times and the bank fraud department stepped in. Took nearly as long getting the new card branch bank as waiting for letter mail. Apple left phone number on transactions. Googled that. The phone number a known scam. Apple looks to be syphoning credit card information from apps unrelated to Apple business.

 

[onegoalwonder]

Got my new credit card number and activated account. Been getting free bank apps from Apple that automatically displayed credit card charges. Quit apps because needed updating and replacing often. Never used a credit card with Apple ever. Apple about middle of May started charging my card $4.99 and saw no complaint. Tried charging $99.99 couple of times and the bank fraud department stepped in. Took nearly as long getting the new card branch bank as waiting for letter mail. Apple left phone number on transactions. Googled that. The phone number a known scam. Apple looks to be syphoning credit card information from apps unrelated to Apple business.

I had an issue with an Aeroplan booking. Looked up contact numbers online. Called an apparently legit number but got suspicious when the “agent” asked for a credit card. I didn’t give one as I got very suspicious. Called Air Canada through their website and resolved the issue.
NEVER USE ANY PHONE NUMBER UNLESS IT IS ON THE OFFICIAL WEBSITE.

 

[rlock]

You have to verify that you are actually speaking to your bank. Hang up and call your bank's customer service line and ask to transfer to the fraud department. Don't just call back the number on your phone unless you know it's the right number. They can spoof that and not actually be calling from the bank. Your actual bank will ask you security questions to verify your identity, even if they call you. If you still aren't sure, go into your bank branch.

Just wanted to re-emphasize this.
Never banter with these scam callers, because they are taught to do "cold reading" where they prompt you in subtle ways and you end up giving out personal info inadvertently, which then makes it seem like they know you.

And never call them back on the same number that called you, or any phone number they give you.

Look the real number up separately (it's probably on the back of your card already), or go to the bank branch in person.

 

[GentlemanJack69]

You can also contact Transunion and Equifax to get a list of all accounts in your name. This will include all credit cards. After my little "incident" I called the CC company and reported it as fraud. They cancelled the card. I also called Transunion and Equifax and reported it as fraud. I asked them to put a fraud alert on my account, that way if anyone applies for something they should get a notification from Transunion or Equifax. Unfortunately it isn't mandatory in B.C., but I can't see them not doing it after confirmed fraudulent activity.
I believe you can get a free credit report once a month for free.

Equifax Fraud Alert

Transunion Fraud Alert (unfortunately this page reads like an ad)

The fraud alert on your credit bureau is a notation that anyone who pulls your credit will see. the reason this doesn't always work - the workaround is that many credit enabling companies don't have an actual person looking at your credit to see the fraud alert, they are simply accessing your score for instant approval IE machine-approved.