What they just did is initiate your password reset. In the aftermath your bank account is in the hands of the scammers. Now I bet that folks working in IT will stop and realize the scam, perhaps even earlier, but for the rest of us suckers it is not so obvious, especially for older folks who represent the juiciest catch for scammers of all types. You get the code sent from your bank, tell that code to the agent who is also now asking your login. It also helps if you were in the middle of something because you are always working on something especially around 3pm on a work day. At this point you are quite prepared, he has your trust. He will need to know that code to proceed with saving your bank account. The agent says that he needs to verify your identity by sending you a code. Very well, thank you my hero for being so professional and cheers to my bank for being so watchful. The new card will come in 10 business days. “Do not worry” says agent, we will deny those charges, block your Debit card and issue a new one. At this point you are fuming, you are very concerned to say the least. Then he follows with more such instances from various big stores like Target all being made for $500 and up. The agent lists charges made with your DEBIT!!! card at some Wallmart in Houston Texas. That would get anyone’s attention and you surely want to resolve it. Meanwhile an agent informs you that he is calling from your bank to check on suspicious activity. Could be Pakistanis but I am not good at telling them apart. I am not trying to upset honest and hardworking folks from India, I just observed that all scamming attempts or personal information fishing comes from callers with Indian accent. You receive a phone call from 1-800 phone number of your bank, an agent can be anywhere, usually in India as they have widespread scamming companies doing scams on a large scale. Now someone somewhere came up with a scam based on the scenario above. Another scam prevented Thanks to CC company diligence. Usually the CC company support agent verify that your didn’t authorize those charges, they are denied and you get a new card later. You may have received a call from your Credit Card company about some suspicious activity where your card was used to purchase something in a store hundreds of miles away from your home especially if you are not traveling.
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