Just got scammed out of almost 1k

[BonneMamanAbricot]

Please be so careful of phone calls from your bank. Always call them back, as caller ID can be faked. My actual bank said they had never seen this scam. They duplicated everything, all the spiels, the robot connecting voice, the hold music.

Second month of being paid after 5 months of no income. Back to nothing again. FFS.

You misunderstood my comment - I meant call the actual organisation the scammer says they are from

I used to work in fraud and this was one of the main frauds that we dealt with several times a day.
it’s likely you’ve received in previous days/ weeks a phishing email or text, that you’ve believed to be genuine. You’d have clicked on a link and started to give critical personal information that enables the scammer to start that phone call with you.

I’m so surprised the bank said they’d never heard of it!

My simple advice would be, if your bank calls, you end the call with them immediately and call your bank yourself to check the call was legitimate. You call your bank from a different phone and dialling 159, you also never answer any security questions unless you call a company never if they call you.

Yes, agree with this. I was nearly scammed just before Christmas- fell for a delivery charge scam but realised immediately and was able to cancel my card before anything was taken. I then had two further scam attempts, both pretending to be my bank’s security following up in relation to the first scam (luckily I didn’t fall for these). So do be aware that this is time at which you are vulnerable and ma be targeted again.

My bank did actually call me about 10 years ago, but I never want to speak on the phone as im suspicious its a scam. My card stopped working so I went into the branch to sort it out and they said they called....and I said but I thought it might be a scam! They had stopped th3 card because my spending patterns seemed suspicious (all the transactions were my own!)

But now there wouldnt be a branch to go and ask.

Did they spend the money or transfer it? Not sure from your description.

I had a very similar scam attempted on me last year, they're very convincing. But the OTP should have been the clue.

I think asking for the confirmation code should hopefully be a red flag for most as quite often there’s a warning with it about not giving it out.

I think scammers can be so clever now so everyone should be careful. Like others say if you wish to be really careful then you call the bank back on a different phone in case the scammers are still on the line and pretend to be the bank again.

I’ve had where they have called from a number that when you google it comes up as my banks number
I just played along and told them the authorisation code was fuck off

They used to though. I had a legitimate call like that from Barclays in the 2010s. People don't have much contact with their banks these days and probably assume they still do it that way.

Watch Scammers Payback on Youtube it shows you what scams they use. Never give personnel details on the phone, and always ring your bank back using the number on your card. And never let any one install stuff on your pc.

Adults between 18 and 34 are most likely to be scammed by bank frauds, the elderly lose more but young people are more likely to be victims of scams

The bank should give you the money, OP. The scammers have exploited and mimiced the bank's systems to defraud you and the bank.

Read the OP again. That's not what happened.

Also be careful calling back as I read somewhere on a landline they can keep the line open and make it seem you are calling your bank but it’s still them.

I thought a delivery charge was a scam but it was real, from UPS. Their systems are so weird that everything about it said scam to me. Anyway, I didn't want the item if it was going to cost me over £50 to receive it!

Ideally call from another phone or call a friend first to make sure it’s your line

Sorry, I’m really not understanding this; neither the Op’s original post or yours. I’d be really grateful if you could clarify because this is giving me anxiety:

I don’t understand the bank account and sort code/verification bits of op’s original post. I could give my sort code/bank acc number to anyone. It doesn’t mean they can transfer money from my account. If somebody called me, asking me to verify myself I’d be wanting verification of who they were so I’d call the bank’s official number. This leads me to panic slightly about your husband’s scenario:

In your post I’m not understanding the call back issue. Are you saying the scammers can somehow redirect your next call back to them or that your husband pressed redial?

I hope I’m not coming across as difficult, I just think it’s really important to a absolutely clarify this in order to raise awareness without inducing anxiety. Thanks

I don't know about NZ but here in the UK your bank account number & sort code is not a secret as it is printed on every cheque.

The OP is entitled to a refund because that's what the banking code of practice says should happen. The onus is on banks to actively prevent fraud & protect vulnerable customers. The code has been toughened up to explicitly cover Authorised Push Payment (APP) scams where the victim is duped into sending money to the scammer.

www.psr.org.uk/information-for-consumers/app-fraud-reimbursement-protections/

“The narrative about “your bank will never call you” is half the sentence. Your bank will never call you to ask for a OTP, PIN, password etc.”

@NorthSouthEast exactly what I’ve been thinking as I read through numerous posts saying banks never call you.

If course your bank may call you but they’ll never ask for critical information like passwords/passwords codes.

@BonneMamanAbricot I hope you get your money back. I am always saying to DH, it’s a case of “when not if” one of us gets scammed. The criminals are always one step ahead of everyone else.

The most important thing to remember is your bank will never, ever call you. Ever.

This is not true.

The fraud team absolutely WILL call you if they have concerns about transactions going through an account you manage.

However, they won't ask you to tell them details about the account (they may go through security, but don't forget that's only one or two characters from your password).

More importantly, those OTPs (what op called a "verification code") come with explicit warnings NOT to share them with anyone.

@BonneMamanAbricot I agree with others that the bank should reimburse you. Didn't you get a text or an email telling you that changes had been made to your account?

That's why I said via taxes OR FEES. Either way citizens with common sense end up paying for stupidity..

Or just common sense. Seriously when did we start making excuses for plain idiocy.

Sorry you have gone through this and thanks for warning others.

As others have said, it definitely isn’t new as I had a similar call a couple of years ago. They sounded very professional and they also called addressing me by my full name and also told me my address!

However a red flag appeared quickly because they were referring to an account where I wasn’t the account holder. I kept listening and they changed from professional to extremely agitated when I said I wasn’t receiving the code they’d sent which could stop the transactions, and then hung up when they could see they weren’t getting anywhere!

I’d only made one online transaction using that card in the 6 months prior, to a genuine site which must have been compromised - in fact I thought it odd at the time that it hadn’t asked for an verification code.

Calling the bank back is NOT the way to go.
Scammers set up a system where it looks as if you are calling your bank, but in fact the call is diverted to the scammer.
The only way is to go into a branch of the bank and not do anything based on a phone call.

They can buy info off dodgy data brokers too.