Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 03-12-2019, 05:53 PM   #61
Dryer sheet wannabe
 
Join Date: Dec 2016
Posts: 13
This is a pretty scary scam. I just recently had fraud on a card and they texted and emailed and also called. Don't recall if they asked for a code, but honestly I don't know if I would have been suspicious of that. The card in question isn't connected with a bank account. I did go check the credit card site, and I have been issued a new card. I think next time this happens I will just call the card issuer directly. Thanks for the heads up!
__________________

Earlygirl is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 03-12-2019, 06:51 PM   #62
Recycles dryer sheets
 
Join Date: Jan 2011
Location: Cincinnati
Posts: 74
Just to scare everyone a little bit more....
This scam is similar to an online scam, often referred to as the "man in the middle" where you are sent a link to "your bank" to resolve some problem. The e-mail message or text looks like it is real, but it is just trying to get you to click on the link.

e-mail ------> fake website -----> real bank

screen <----- fake website <----- real bank

The fake website captures your logon ID/password and passes it on to the bank and the scammer can use that information later.

This telephone scam just uses your cell phone as the victim side of the communications, since it may be more likely for you to believe the caller. Not answering or not believing the caller is a good defense for this type of scam.
__________________

levindb is offline   Reply With Quote
Old 03-12-2019, 07:52 PM   #63
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Lsbcal's Avatar
 
Join Date: May 2006
Location: west coast, hi there!
Posts: 6,870
Quote:
Originally Posted by levindb View Post
Just to scare everyone a little bit more....
This scam is similar to an online scam, often referred to as the "man in the middle" where you are sent a link to "your bank" to resolve some problem. The e-mail message or text looks like it is real, but it is just trying to get you to click on the link.

....
Yes this does fall into the general category you mention and it seems particularly well designed. One must admire human ingenuity. One might think the request to verify the number "sent from the caller" is a form of 2FA. Of course, the fact the caller has used your phone is already a form of 2FA. But still it might trip up the unwary.

I guess the answer is to be a paranoid skeptic ... like me. Even I don't believe half the things I say.
Lsbcal is online now   Reply With Quote
Old 03-12-2019, 07:58 PM   #64
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Nov 2009
Posts: 5,347
Quote:
Originally Posted by levindb View Post
Just to scare everyone a little bit more....
This scam is similar to an online scam, often referred to as the "man in the middle" where you are sent a link to "your bank" to resolve some problem. The e-mail message or text looks like it is real, but it is just trying to get you to click on the link.

e-mail ------> fake website -----> real bank

screen <----- fake website <----- real bank

The fake website captures your logon ID/password and passes it on to the bank and the scammer can use that information later.

This telephone scam just uses your cell phone as the victim side of the communications, since it may be more likely for you to believe the caller. Not answering or not believing the caller is a good defense for this type of scam.
This sounds a lot like the typical "phishing" scams mentioned here and in other websites over the years. They are often made to appear scary, as in "Your account privileges have been suspended. Please click on this link to authenticate your blah blah blah." Those scammers love the word "authenticate."
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.

"I want my money working for me instead of me working for my money!"
scrabbler1 is online now   Reply With Quote
Old 03-12-2019, 08:22 PM   #65
Recycles dryer sheets
 
Join Date: Sep 2014
Posts: 52
I get calls every single day and all day long now that I am retired...

I found out that when I answer the call the first thing I do is stop the caller and I ask politely " What country were you born in ?? " and most of the time they don't want to answer and sometimes will begin to cuss you out... I know for sure I'm not doing business with that person... the best ones answer something like Florida or California... and I try to explain to them that those aren't countries... and then they start to cuss... so, I get to hear a lot of cussing every single day... all day long..
dixter is offline   Reply With Quote
Old 03-12-2019, 08:52 PM   #66
Moderator Emeritus
aja8888's Avatar
 
Join Date: Apr 2011
Location: The Woodlands, TX
Posts: 10,984
I got a call this morning from a lady that said I just called her 5 minutes ago and she missed the call (same area code). She just re-dialed the number, which was mine. I told her that 5 minutes ago I was in the shower and the call did not come from me. Scammers...
__________________
Saying on a Get Well card from a friend of mine after I had my second hip replacement - "Don't let the Old Man in..."
aja8888 is offline   Reply With Quote
Old 03-13-2019, 07:58 AM   #67
Thinks s/he gets paid by the post
ivinsfan's Avatar
 
Join Date: Feb 2007
Posts: 4,600
A couple of months ago I was on my kindle reading the news, when I got an email from Audiobooks saying, Welcome to Audio Books and thanks for your purchase. Except I hadn't bought anything, my DH was in the same room and he hadn't either.

I log on to Discover and there's the charge, like 17.99. Call Discover and they tell me to call the number first and if it isn't reversed I can file a dispute. I call the number listed on the Discover charge, tell them I didn't order or want that book so I want the charge reversed. The young guy on the phone says no problem, but we are part of Amazon and to reverse it I need your Amazon username and password so I can access your account.

WWYD, I said I don't know who are you except that you made a false charge on one of my CC's so I'm not telling you anything. Hung up, logged on to my Amazon account and looked for Audiobooks which I did find along with a record of my recent "purchase". I now had a purchase order number and phone number straight from the Amazon website, which I called. The charge was reversed but I was pretty ticked because it took way too much of my time. I do not have one click ordering on my account and have no idea why I was charged and of course the rep just said "sorry about that."

It too bad the world is full of such scammy people.
ivinsfan is offline   Reply With Quote
Old 03-13-2019, 08:39 AM   #68
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 8,063
Yes, indeed - the "real" representative would not mind a bit if you said "Mind if I hang up and call credit card/bank security?"

Of course they could have a henchman working there, too!

Quote:
Originally Posted by Omalley View Post
A good reminder to thank the 'helpful' caller for the information and letting them know that you will call your bank/credit card/brokerage directly to verify the issue.

I will share this latest scam warning with DW and kids.
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success – to be able to spend your life in your own way.’ Christopher Morley.
Amethyst is offline   Reply With Quote
Old 03-13-2019, 08:41 AM   #69
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 23,906
Quote:
Originally Posted by ivinsfan View Post
A couple of months ago I was on my kindle reading the news, when I got an email from Audiobooks saying, Welcome to Audio Books and thanks for your purchase. Except I hadn't bought anything, my DH was in the same room and he hadn't either.

I log on to Discover and there's the charge, like 17.99. Call Discover and they tell me to call the number first and if it isn't reversed I can file a dispute. I call the number listed on the Discover charge, tell them I didn't order or want that book so I want the charge reversed. The young guy on the phone says no problem, but we are part of Amazon and to reverse it I need your Amazon username and password so I can access your account.

WWYD, I said I don't know who are you except that you made a false charge on one of my CC's so I'm not telling you anything. Hung up, logged on to my Amazon account and looked for Audiobooks which I did find along with a record of my recent "purchase". I now had a purchase order number and phone number straight from the Amazon website, which I called. The charge was reversed but I was pretty ticked because it took way too much of my time. I do not have one click ordering on my account and have no idea why I was charged and of course the rep just said "sorry about that."

It too bad the world is full of such scammy people.
Absolutely ridiculous that they need your Amazon username and password to access your account and reverse the charge! That’s really weird if they were really part of Amazon. I hope you changed the password on your account.
__________________
Retired since summer 1999.
audreyh1 is online now   Reply With Quote
Old 03-13-2019, 08:42 AM   #70
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 8,063
This is why we still use a landline and answering machine. The house rule is "Don't answer cold calls, unless someone you recognize leaves a message."

Of course we do look at the phone screen, in case it's a contractor or Dr.'s office we're expecting to hear from. That would be rather hard to scam.


Quote:
Originally Posted by dixter View Post
I get calls every single day and all day long now that I am retired...

I found out that when I answer the call the first thing I do is stop the caller and I ask politely " What country were you born in ?? " and most of the time they don't want to answer and sometimes will begin to cuss you out... I know for sure I'm not doing business with that person... the best ones answer something like Florida or California... and I try to explain to them that those aren't countries... and then they start to cuss... so, I get to hear a lot of cussing every single day... all day long..
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success – to be able to spend your life in your own way.’ Christopher Morley.
Amethyst is offline   Reply With Quote
Old 03-13-2019, 08:52 AM   #71
Thinks s/he gets paid by the post
ivinsfan's Avatar
 
Join Date: Feb 2007
Posts: 4,600
Quote:
Originally Posted by audreyh1 View Post
Absolutely ridiculous that they need your Amazon username and password to access your account and reverse the charge! That’s really weird if they were really part of Amazon. I hope you changed the password on your account.
They are actually a division of Amazon. I don't know if Amazon bought Audiobooks and didn't want to change the name, but yes it was kind of a head scratcher, and annoying to....
ivinsfan is offline   Reply With Quote
Old 03-13-2019, 09:21 AM   #72
Thinks s/he gets paid by the post
 
Join Date: Jan 2017
Posts: 1,273
Quote:
Originally Posted by ivinsfan View Post
They are actually a division of Amazon. I don't know if Amazon bought Audiobooks and didn't want to change the name, but yes it was kind of a head scratcher, and annoying to....
I would have pressed the (real) Amazon rep for more information on how you could be charged for something you didn't order. My first assumption would be a hacker got or guessed your password. But they didn't immediately change it, since you were then able to log on.

So that leaves an Auidobooks or Amazon error. That would really raise my eyebrows. E-commerce has been around long enough that orders shouldn't just accidentally be charged to the wrong account.

I smell a scam or insider fraud there somewhere. I'd demand an answer. How could someone protect from having it happen again, if they didn't know how it happened the first time? Next time you might not be so lucky.
CaptTom is offline   Reply With Quote
Old 03-13-2019, 09:41 AM   #73
Thinks s/he gets paid by the post
ivinsfan's Avatar
 
Join Date: Feb 2007
Posts: 4,600
Quote:
Originally Posted by CaptTom View Post
I would have pressed the (real) Amazon rep for more information on how you could be charged for something you didn't order. My first assumption would be a hacker got or guessed your password. But they didn't immediately change it, since you were then able to log on.

So that leaves an Auidobooks or Amazon error. That would really raise my eyebrows. E-commerce has been around long enough that orders shouldn't just accidentally be charged to the wrong account.

I smell a scam or insider fraud there somewhere. I'd demand an answer. How could someone protect from having it happen again, if they didn't know how it happened the first time? Next time you might not be so lucky.
Yes that's the problem isn't it, simply refunding your money isn't enough...I don't know how you demand an answer though. To be clear Audiobooks is an Amazon company but don't use Amazon reps, they answer the phone You've reached audiobooks...it could have been me or my DH (better guess) fat fingering a special offer on the kindle start screen, but silly me thought not having one click purchasing enabled would prevent that. I installed parental controls on my DH Kindle just in case.
ivinsfan is offline   Reply With Quote
Old 03-13-2019, 11:30 AM   #74
Dryer sheet wannabe
 
Join Date: Dec 2018
Location: Scotia
Posts: 19
Scary. I didn't realize user names for your banks are stored in Equifax? How did that happen... or did he use the same user name for both?

I wonder, can your friend sue Equifax for the balance, if he doesn't get satisfaction from the bank? Probably have to prove that's where the breach came from, which could be hard.
guitarguy is offline   Reply With Quote
Old 10-27-2019, 09:55 AM   #75
Full time employment: Posting here.
 
Join Date: Jan 2014
Location: Everett
Posts: 591
I know this is an old thread, but I saw a good article on CNN this morning about this very scam. The article includes details about how scammers use social engineering to get your personal information, for example, from small companies:

https://www.cnn.com/2019/10/27/busin...rnd/index.html

"A small company could easily be tricked into giving up personal customer information over the phone if a clever hacker has just enough information to seem credible.

Small banks and companies have been known to put out member newsletters or even hold member appreciation events where it's posted on social media and people are invited to accept or decline the invitation, according to Ron Schlecht, managing partner of security firm BTB Security.

A savvy hacker could've used that information to find members of that bank and use social engineering to find information such as their home addresses and phone numbers in order to phish them."
O2Bfree is offline   Reply With Quote
Old 10-27-2019, 10:04 AM   #76
Confused about dryer sheets
 
Join Date: Oct 2019
Posts: 1
So sad. I actually received a call like this a month ago.
Mariusvatanen is offline   Reply With Quote
Old 10-27-2019, 10:05 AM   #77
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 10,098
Quote:
Originally Posted by O2Bfree View Post
I know this is an old thread, but I saw a good article on CNN this morning about this very scam. The article includes details about how scammers use social engineering to get your personal information, for example, from small companies:

https://www.cnn.com/2019/10/27/busin...rnd/index.html

"A small company could easily be tricked into giving up personal customer information over the phone if a clever hacker has just enough information to seem credible.

Small banks and companies have been known to put out member newsletters or even hold member appreciation events where it's posted on social media and people are invited to accept or decline the invitation, according to Ron Schlecht, managing partner of security firm BTB Security.

A savvy hacker could've used that information to find members of that bank and use social engineering to find information such as their home addresses and phone numbers in order to phish them."
I was going to mention I saw similar coverage on the morning news only to see the video is the same one (I guess CBS and CNN are kahootz).
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is online now   Reply With Quote
Old 10-28-2019, 06:59 PM   #78
Thinks s/he gets paid by the post
 
Join Date: Aug 2004
Location: Laurel, MD
Posts: 4,692
I had a call from Bof A fraud Dept following a request for a large wire xfer. The guy asked for personal info and I refused. He said he understood and asked me to call the regular customer service number to verify a transaction. That led to voice directory hell. There was no reasonable way to find anyone familiar with the issue. They don’t use case numbers or anything like that. I finally got it resolved but it was because I added a new payee to the bill pay system.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
jazz4cash is online now   Reply With Quote
Old 10-29-2019, 10:05 AM   #79
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 10,098
Saw a story the other day on the morning news about the scammers being more sneaky by posing as the bank fraud department and faking a one time pin during the scam.

https://www.cbs.com/shows/cbs_this_m...-text-message/
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is online now   Reply With Quote
Old 10-29-2019, 10:16 AM   #80
Thinks s/he gets paid by the post
 
Join Date: Jul 2015
Location: Beaverton
Posts: 1,317
We've received monthly messages out of Texas on SS. My wife called back to see what they would say. They asked for birth date and she said she wanted a little more info and they hung up.

Yesterday I got a text that my Netflix account was not able to charge me for the latest bill. Knew it was a scam but checked my CC statement which was billed for Oct 2nd. Sent them a text back that they must think I have "Stupid" written on my forehead.

These people are relentless.
__________________

__________________
Jump in, the water's warm.
Bir48die is offline   Reply With Quote
Reply

Tags
phone scams, scams


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
How much can a phone scam artist know from my phone number? SecondCor521 Other topics 33 03-07-2019 05:21 PM
Scam or no scam ? Moemg Other topics 20 12-01-2009 09:19 PM
A Novel Social Security Question rcsj FIRE and Money 19 12-11-2007 03:13 PM
Novel Use for Dryer Sheets GMueller Other topics 8 02-28-2007 05:37 PM

» Quick Links

 
All times are GMT -6. The time now is 07:08 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
×