Scammers

[wtwo3]

So I get a call yesterday from an 800 number. I don't pick it up initially cause I was on the shitter. And maybe it's just me but I feel like talking on the phone while taking a dump is just rude.

Anyway.... I later Google the number to see who called, and Google tells me it's from Chase bank... ok weird. A few moments later I get another call from the same number so I figure, if it's from Chase bank I should probably pick up.

I answer and it's someone saying they're calling from Chase security services about some suspicious activity on my credit card ending in xxxx. He then proceeds to read off the suspicious charge... and I let him know that I don't recognize the charge.

He then says it appears my credit card # has been compromised and that he'll deactivate my account and issue me a new card. He says for security purposes, he's going to text me a number and asks that I read him back the # - I get a text from Chase, and I proceed to read it back to him.

Fast forward to this morning, I check my credit card account online as I typically do on a daily basis, and I notice $6k worth of charges since that call from last night. I call Chase back to make sure that my card was deactivated, and the Chase rep says there's no record of Chase having spoken to me.

Turns out the number that was texted to me (and was texted from a Chase #) was to be able to add my credit card to Apple Pay.

Lesson learned. Hopefully this info is helpful to others. These scammers are getting pretty damn sophisticated.

[Tommy-G]

Originally Posted by wtwo3

So I get a call yesterday from an 800 number. I don't pick it up initially cause I was on the shitter. And maybe it's just me but I feel like talking on the phone while taking a dump is just rude.
.

100% agreed
Side note, that’s sucks. They can clone anything to look legit nowadays. The new thing apparently is scammer QR code’s that take you to bad places that look legit

[wtwo3]

Originally Posted by Tommy-G

100% agreed
Side note, that’s sucks. They can clone anything to look legit nowadays. The new thing apparently is scammer QR code’s that take you to bad places that look legit

Yeah it's wild. And I'm usually pretty good about snuffing out when something is a scam (except that one Nigerian prince, I still feel bad for the dude, I should have helped him hide his money). I'm just glad Chase reversed the charges on my account.

[UncleWede]

"Thanks for the call. I'm on the shitter, I will call you back in a few"

Then you get your bank statement, and call them direct. Since you initiated the call, there is no spoofing in between.

[MsGoGoMoto]

Originally Posted by wtwo3

So I get a call yesterday from an 800 number. I don't pick it up initially cause I was on the shitter. And maybe it's just me but I feel like talking on the phone while taking a dump is just rude.

Anyway.... I later Google the number to see who called, and Google tells me it's from Chase bank... ok weird. A few moments later I get another call from the same number so I figure, if it's from Chase bank I should probably pick up.

I answer and it's someone saying they're calling from Chase security services about some suspicious activity on my credit card ending in xxxx. He then proceeds to read off the suspicious charge... and I let him know that I don't recognize the charge.

He then says it appears my credit card # has been compromised and that he'll deactivate my account and issue me a new card. He says for security purposes, he's going to text me a number and asks that I read him back the # - I get a text from Chase, and I proceed to read it back to him.

Fast forward to this morning, I check my credit card account online as I typically do on a daily basis, and I notice $6k worth of charges since that call from last night. I call Chase back to make sure that my card was deactivated, and the Chase rep says there's no record of Chase having spoken to me.

Turns out the number that was texted to me (and was texted from a Chase #) was to be able to add my credit card to Apple Pay.

Lesson learned. Hopefully this info is helpful to others. These scammers are getting pretty damn sophisticated.

"So I get a call yesterday from an 800 number. I don't pick it up initially cause I was on the shitter. And maybe it's just me but I feel like talking on the phone while taking a dump is just rude."

[wtwo3]

Originally Posted by MsGoGoMoto

"So I get a call yesterday from an 800 number. I don't pick it up initially cause I was on the shitter. And maybe it's just me but I feel like talking on the phone while taking a dump is just rude."

Where'd you find this pic of me?

[shoei]

Originally Posted by wtwo3

Where'd you find this pic of me?

The only defense to preventing fraud, identify theft, phishing, skimming etc?

Be broke and a credit score of 100, lol

[wtwo3]

Originally Posted by shoei

The only defense to preventing fraud, identify theft, phishing, skimming etc?

Be broke and a credit score of 100, lol

Sabotage myself before the crooks do. Solid plan.

[obert]

Sucks but lesson learned.

Thanks for sharing as this will probably help someone in this same situation.

[No one]

To avoid the burden of analysing the crap they tell you, just don't validate yourself to/for anyone who (is contacting you and) hasn't validated him/herself to you first ("And who trusts you?" ). No, you can't rely on the number they call from detected!

These days it's best to never talk on serious matters using an incoming call at all. It might even seem it's someone you know personally... Always call back, using the correct number to make sure.

By the way, it might be not the case yet, but it can be expected that "smart" phones' software will be able to implicitly redirect (substitute the target number of) the outgoing calls too. What's the oldest phone you can use (for your safety)?

Biometrics technologies (or their usage) don't look convincing/reliable/safe. Collecting your data of the kind and using it without your consent would be an absolute outrage! Note that pretty much anything you say can be used for your voice id, never say "yes" for your safety!

[zx10guy]

Thanks for the heads up. These scammers really tapped into something that many people would fall victim to. As a point of reference, PNC does this. I have received automated calls from PNC's fraud center stating there are questionable charges and to call them. I also have received emails from them to verify charges. Both the automated call and emails seem to me to be suspect but are authentic. But I always call into the call center when I receive these.

But with the verification, the PNC rep also sends a text message to your phone for you to read back the PIN for two factor authentication. The only difference is they won't ask for your phone number. They go off of the phone number they have in their system.

[No one]

So it wasn't voice id related, it was a one time confirmation code really from the bank, initiated by the scammer and the bank sent the code without any hint what it was for.

Anyway, they do use voice id and I read news about scammers already trying to make you say the key word/phrase for them.