The latest Credit card scam

[Rene T]

My DW (Dear Wife) got a call yesterday from the TD Bank fraud Dept. The guy said there was a charge of $200 at a CVS and a charge of $50.00 at a Walmart and did she authorize these charges. She said NO because she never uses that card. She had another card from a different bank. About the same times she gave me the phone. The guy said he was going to decline those charges. I asked him where the charges were from and he said Atlanta Georgia. I said we have never been to Atlanta.
I then asked him what the last 4 numbers of her card was and he said he doesn’t have access to that information which I thought was strange.
He then said because her card was compromised, we should cancel it and order a new card. I told him to do that and he said he did.
Then he was going to transfer me to the Dept that orders new cards which he did. It was a recording asking me the 16 digit number of the old card which again I thought was strange. They should have had it already. I hung up.
This morning I called TD bank and explained what had happened. She said there were 3 charges on her card at a Walmart but she didn’t know where. There was nothing about a CVS.
Those 3 charges were denied/blocked by TD Bank because it was the 1st time in years this card number was used.
So she cancelled that card number and ordered a new card for her.
I gave her the telephone number the call came from and she said it was one of there numbers but somehow these scammers were able to get around this.

Just be careful.

 

[Larry N.]

It's good that you were so vigilant -- and thanks for the notice.

 

[Jim18655]

My son had a call one day from 'his credit card company'. They said they just sent him a text to verify they were talking to the registered owner of the card and wanted him to read it back to them. He did then they started to talk about the card. After he hung up he realized they were trying to access the card account and needed the number he just got. He immediately canceled the card.

 

[Kodiak34SS]

Scammers can spoof the outgoing phone number. Caller ID is not to be trusted.

 

[old RV guy]

My experience with Chase was a bit different. In years past I'd regularly ( every year or so) cancel a credit card and have new card with a new # issued and then I'd update the # for any recurring charges I wanted to continue. This last time I noticed those recurring charges showed back up on the new card, regardless whether I'd reauthorized them. On contacting Chase I was informed they now automatically transfer any recurring charges to the new card # regardless of whether or not they're reauthorized and there's nothing short of canceling the account permanently that I could do about it. So account canceled permanently, we went.

 

[tlmgcamp1]

Similarly, one day while at my desk writing a report, I got a call from "Matt from Windows" who said that my computer had automatically sent him a notice that there was a virus on my computer and he needed to access my computer to remove it.

I thanked him for his effort and said that I was out by my mailbox and asked if he could give me a couple minutes to get back in the house. He obliged, and I set the phone down and went back to my report.

After a few minutes I heard him calling "Hello? Hello?". I picked up the phone and explained that the dog got loose and to give me a couple minutes to catch him and bring him in house. He obliged, and I set the phone down and went back to my report.

After a few more minutes I heard him calling "Hello? Hello?". I picked up the phone and apologized saying that I got the dog and was going to the computer but had to turn it on and get it booted up before we could start so he would need to give me a few minutes. He obliged and I set the phone down and went back to my report.

After a few minutes I heard him calling "Hello? Hello?". I picked up the phone and said that the computer automatically started running an update and he would have to wait a few more minutes. He obliged and I set the phone down and went back to my report.

After a few minutes I heard him calling "Hello? Hello?". I picked up the phone and that his choice to being a scammer showed he was a person of low moral values, but the fact that he couldn't figure out that I was messing with him this whole time showed that he was a stupid person of low moral values.

Then I hung up, happy that I was able to tie him up for enough time that lessened the number of similar calls that he could make that day

 

[LarsMac]

Scammers can spoof the outgoing phone number. Caller ID is not to be trusted.

True. Anyone can spoof a phone number on Caller ID.
Go play with Skype on your computer to see how easy it is.

If somebody claims to be from your bank, or your Credit card, tell them you are very busy, and will call back shortly.
Then call your bank of CC company on the customer service number that you already have for that bank or company.

We just never answer the phone anymore, unless its one of the kids or grandkids, or the doctor's office.

 

[garyb1st]

Never pick up a call if I don't recognize the number. Let them leave a message. I get more spam calls than legitimate calls. It's become a cottage industry for the scammers. I'm also very careful with emails. I check the email addy by holding the cursor over the addy. It let's you see the email actual addy. Not sure what can be done other than to be diligent.

 

[DonTom]

Never pick up a call if I don't recognize the number. Let them leave a message. I get more spam calls than legitimate calls. It's become a cottage industry for the scammers. I'm also very careful with emails. I check the email addy by holding the cursor over the addy. It let's you see the email actual addy. Not sure what can be done other than to be diligent.

Here in Auburn, CA under Optium Cable landline telephone, I get NO robo calls. No scam calls, nothing other than legitimate phone calls to me.

In Reno, I get robo calls and scammer calls all day long, on most days. Makes me wonder why and how they can do it here in Auburn, CA but not in Reno, NV.

In Reno, my telephone LL is also cable, but Sprectum cable.

But in Reno, the robo phone does say "Robo Risk", so I know it is being detected there, just not deleted. But the scammers and others can say anything. If I do not recognize the number, it is not answered. Many of those just show a location, usually a small NV town such as "Silver Springs, NV". I figure those are probably really from outside the USA or whatever.

But I wish they could do in Reno what they do here in Auburn.

-Don- Auburn, CA

 

[Tulecreeper]

If the name/number is not in my address list and I don't recognize it otherwise I also don't answer. If it's important enough, they'll leave a message.

I haven't received a spam call in months. I was getting them almost daily for a couple of years, and every time I did I added it to my "Reject Call" list. By last count a few months ago I have over 300 numbers on that list. I've also not received a spam/phishing email in a long time.

A couple of years ago, I ordered an oven rack from an online company I had not done business with before. I got an initial email saying they had received the order, but after two weeks I had not received an "Item Shipped" email so I contacted them through their Customer Support. They said the item was out of stock and they didn't know when they would have it again. I figured I would just give it a while longer, so I waited another 2 weeks and contacted them again - twice - asking for a refund...no reply.

So after another week I contacted the BBB, which coincidentally enough had their local office about a mile from the address of that company's head office. Within 3 days the refund was back on my card. Now the important part.

Coincidentally, within a few days I received almost 300 emails from companies I have never heard of, a lot of them in Europe in languages I didn't understand, for items I would never buy such as women's lingerie, bath products, makeup supplies, etc. Not all for women's products, but many were.

I know what happened. That oven rack company got their panties in a knot because I sicced the BBB on them and they sold my email address to all those other companies. It appeared that most of the companies were legit, but it took the better part of 3 months for me to send/resend "Opt Out" replies to all of them and stop getting emails. I guess I was lucky no one got my CC info and used that.

 

[old RV guy]

Never pick up a call if I don't recognize the number. Let them leave a message. I get more spam calls than legitimate calls. It's become a cottage industry for the scammers. I'm also very careful with emails. I check the email addy by holding the cursor over the addy. It let's you see the email actual addy. Not sure what can be done other than to be diligent.

If they're not in my contacts, my phone doesn't ring, it's that simple.

 

[John From Detroit]

So she cancelled that card number and ordered a new card for her.
I gave her the telephone number the call came from and she said it was one of there numbers but somehow these scammers were able to get around this.

A good plan is to never give info to anyone who calls you other than Yes I did authorize or No I did not. I always call the bank either from my contacts list or from at the number on the card.

Same for SMS or E-mail. YES/NO I will reply but the follow up phone call is one I place. not one I answer.

 

[old RV guy]

A good plan is to never give info to anyone who calls you other than Yes I did authorize or No I did not. I always call the bank either from my contacts list or from at the number on the card.

Same for SMS or E-mail. YES/NO I will reply but the follow up phone call is one I place. not one I answer.

It's best to never reply to texts or e-mails ever unless you're 100% sure they're legit, same applies to scam calls. Catfishing scams are predicated on the recipient engaging with the scammer, regardless if it's only a yes or no, or even if it's to call them names or tell them off. They want to engage you, no different from the guy roaming the parking lot asking for money is watching you for eye contact. There is nothing to gain by telling a scammer he's a scumbag, he knows that and he likes it.

 

[darsben]

The scam I keep getting is (insert name) from medicare is calling because a health care professional has recommended I receive a fall alert system which will be payed for by my insurance company, all I have to do is give them my medicare number and they will ship it right out.

 

[Chef Duane]

I have my personal cell phone and I have a landline for my house that is tied into the house alarm. I have the ringer set to off on that line and that's the one that you get if you need my number.

 

[Oldgator73]

We received a call the other day from a local number asking for my wife. The caller said he was from patient services and told her he understood she had joint pain and he said something about Medicare. My wife ask again where he was calling from he got really loud and said “I said I was from patient services”. She was on speaker so I heard the conversion. I told her to hang up.

 

[Rene T]

We received a call the other day from a local number asking for my wife. The caller said he was from patient services and told her he understood she had joint pain and he said something about Medicare. My wife ask again where he was calling from he got really loud and said “I said I was from patient services”. She was on speaker so I heard the conversion. I told her to hang up.

It is so easy for the uninformed to get sucked into these scams especially our seniors.

 

[gwinger]

Scammers can spoof the outgoing phone number. Caller ID is not to be trusted.

Our caller ID showed my HOME phone number on an incoming call more than once. Think about it, you cannot call yourself if you are on the phone. The scammers use computer generated caller ID.

 

[John From Detroit]

I also often ask callers "What is the name of your company again.. And their address" (CLICK)

 

[Rene T]

I just got a email from CVS. It said (my name) we’ve been trying to reach you. Pharmacy Reward for (my name). Open immediately.
Then there is a picture of an egg with these words on it: The magic egg. Then below the egg there is button called “crack”