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David Plunk's avatar

Scammers got me good late last year. I usually don't pick up a call from a number I don't know. And I didn't the first time. But they called right back and I have young kids so I wanted to make sure someone didn't need me. They posed as my bank saying there was a fraudulent charge on my account. I was driving to get my kids from daycare so I couldn't check my account myself to see what the charge was.

So how they got me was they knew the exact process that the bank uses when you actually have a fraudulent charge, or close enough to where I didn't question it. And I also didn't question it because I had an actual fraudulent charge fairly recently before that. So I thought it just happened again. Went through the process of giving them access to my account and they transferred as much as they could out. I didn't even realize it until a few days later when I couldn't log into my account and the new debit card hadn't show up. Even took the actual bank several minutes of talking with me to figure out it was a scam. Definitely embarrassing and a pain in the ass to deal with the fallout.

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Caz Hart's avatar

So, so, so many scams. Often people fall for them out of fear and uncertainty. This, despite how widely and frequently common and new scans are publicized.

Best course of action: if it's real, you'll be able to validate it yourself through legitimate sources. Meaning, hang up or delete immediately, even if it's a family member claiming to have lost their phone or have a gun to their head. As for anyone over paying you - that never happens in real life, never! 😂

A few times I've had my alleged bank call or SMS to say that they're about to transfer thousands of dollars from my account, unless I tell them otherwise. I've even been aggressively lectured by phone, allegedly a fraud and security team, demanding that I take them seriously, that the situation is urgent, and they're about to approve the transfer. I laugh, and tell them to go for it. 😁

It's awful that people are having their lives ruined with this new form of robbery.

At least old fashioned robbery had a chance of being prosecuted.

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