Yesterday morning I got an email telling me a subscription I didn’t know I had was going to auto-renew if I didn’t cancel it. I didn’t want the subscription, and it was expensive, so I figured I should try to cancel it.
This was a major error. I called the number, and the various voices on the other end proceeded to try to get me to give them various personal information, and eventually pushed me to give them a bunch of cash. (They claimed they’d accidentally transferred too much money to my account, and insisted that I had to withdraw it and send it to them via wire transfer.)
I figured out I was being scammed before actually giving them anything, and thanks to various precautions I’d already put in place the information they got is most likely useless. Also, I did scream at the guy and curse him out. Still, it was a humiliating and miserable experience, and I’m going to be cleaning up after these assholes for days if not longer, which means I get to return over and over to this miserable experience. Yay.
Scams like this are quite common—I’ve avoided a bunch and been duped by a couple over the last decade or so. I presume that most people have similar experiences. It’s just a part of life now—and a part that we don’t talk about much, because, again, getting scammed and fooled is humiliating.
No one likes to be a victim; no one likes to feel like they’ve trusted someone when they shouldn’t have. Getting scammed makes you look, and feel, like a butthead. More, it makes you paranoid—you worry that talking about details of the scam will make you vulnerable to the next asshole, and the next. It feels a lot safer, and a lot less exposed, to just keep these things to yourself.
But when you keep them to yourself, no one can really learn from them or know what to watch out for or how to protect themselves. I think the scammers rely on that, both at an individual level and at a political one. It’s hard to create the political will to throw real resources at stopping this sort of thing when people are embarrassed to admit it’s a problem that has happened to them personally.
So, I figured I’d admit it. If you get a notice that you should renew a subscription, look at the email very, very carefully before you set out to get that refund. If you get scammed, remember it’s not because you are a dope or a fool; it’s because we’ve pretty much decided as a society that we can’t do anything about scammers, and as a result they get a lot of space and a lot of time to figure out how to fool you.
I don’t have a lot of great ideas about how to stop this or what policy might improve things. But solidarity can’t hurt, and for solidarity people need to speak up. This is me doing that.
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.
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.