[Libs-Or] Tech-Talk: INTERNET - The Scammers are Escalating - They Can Dupe You

Tue Mar 21 13:36:36 PDT 2023

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New types of fraud

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The Scammers are Escalating - They Can Dupe You

Novice

[fraud]

We like to start our Tech-Talk articles with a story or situation before diving into the tip or the "how-to" steps to add some context. This story is extremely personal as it happened to me, Deborah (one of the Tech-Talk writers). I didn't want to share it at first as it is embarrassing. Why? Because I SHOULD KNOW BETTER.

But it happened… and as uncomfortable as I feel, educating others so that this type of deception won't happen to you … makes it worthwhile to share.

How the Scam Started

[credit card fraud]

A few weeks ago, I traveled to Colorado for my annual vacation with my sister. We skied, hiked, and had many lovely meals out. Of course, I used my credit card so when I got home I went online to review the transactions and make a payment. I found multiple charges that I HAD NOT made that were posted that very same day, so I called my bank. Of course, they shut the card down immediately, submitted a report, and sent me a new card. The fraudulent transactions were reversed within a few days.

You never know how someone gets ahold of your credit card, right? I always cringe when at a restaurant and my card is taken out of my site to be processed. That’s why I always review my account several times a month. Most credit card companies are very good about crediting scam charges… as long as they are reported right away. So, all is well… or so I thought.

Now let's jump to four days later, a Friday morning. I'm going to outline the 3-day succession of texts and phone calls so that you can get a feel for what happened and how the scammer "groomed" me and built trust. And then we'll review the red flags, what I learned from this experience, and what you can do to protect yourself.

The Scammer’s Grooming of Me

It was one of those moments when the hair on the back of your neck stands up.

Friday:
·    SCAMMER - Text: [My Bank’s Name] Did you attempt a $1000 Zelle payment on 2/1? Reply YES or NO.
·    ME - Text: NO
·    SCAMMER - Text: [My Bank’s Name] We have put a hold on your card. One of our agents will be contacting you shortly.

My CELL PHONE rings immediately.

·    SCAMMER: This is Chad at [My Bank’s Name] in the fraud department. We see a $1000 charge attempt to Zelle. You have indicated that you did not make the charge.
·    ME: Correct.
·    SCAMMER: Please verify your [My Bank’s Name] Username so that we can look into this further.
·    ME: Oh no, my credit card was compromised earlier this week, is this something to do with that?
·    SCAMMER: Yes, once they infiltrate your account, they can get to other parts of it. What is your Username so we can verify your account?
·    ME: My Username is: xxxx
·    SCAMMER: We have done a hard reset verification assist and are texting you a code. Please read it to me.
·    ME: [Received text code] The code is 123456.
·    SCAMMER: Please don’t log into your account while we’re researching this. We will call you back tomorrow morning at 10 am.

Saturday: My CELL PHONE rings.
·    SCAMMER: This is Chad from [My Bank’s Name]. We are still monitoring your account. No new charges have been identified. We have submitted a Zelle $1000 reversal. We are texting you another code for an additional hard reset of your account. Please tell me the code.
·    ME: [Received text code] The code is 123456.
·    SCAMMER: Please don’t log into your account while we’re researching this. We will call you back tomorrow morning at 10 am.
·    ME: But why can’t I log into my account?
·    SCAMMER: We are trying to track whoever breached your account so that we can pinpoint the location and notify the authorities. We will call you tomorrow.

Sunday: My CELL PHONE rings.

·    SCAMMER: This is Chad from [My Bank Name]. We see new potential unauthorized charges on your account. Please give me your password so that we can do a hard password reset.
·    ME: But I have been told to NEVER give my password over the phone.
·    SCAMMER: It is fine in this case. We already know it.
·    ME: Then why do I need to give it to you?
·    SCAMMER: We need to verify. Let me ask you this, did you make a purchase yesterday at XYZ Company for $29.95 and at ABC.com for $58.75?
·    ME: Yes, we made those two purchases.
·    SCAMMER: Please verify your password.
·    ME: Ok, XYZ123
·    SCAMMER: We have done a password hard reset verification assist. Please don’t log into your account while we’re researching this. We will call you back tomorrow morning at 10 am.

Immediately after I hung up the phone panic set in as I KNEW I should not have given my password. I called my bank immediately and the rep didn’t have to tell me I had been hacked, I knew it and couldn’t believe that I fell for this con as I rate myself pretty tech-savvy.

The real bank rep had me change my username, password and pin immediately. Then looking at the transactions, we saw there were two $1000 Zelle charges and one for $500. $2500 total had been taken from my checking account. She did her best to keep me calm as she took the information for the report and transferred me to their fraud department.

To shorten the story, over the course of the week, since the transactions had just happened, thankfully, they were able to return the funds to my account. But not all people are that lucky.

I was advised to close the checking account and set up a new one as it was compromised -- as well as other precautionary items which are outlined lower in this article.

[https://files.constantcontact.com/ee1208b4001/f6f70f3d-2ce8-40c6-b61a-93d0363a81b0.png]

Did You Catch All of the RED FLAGS?

There were a number of red flags all along. Did you catch them all?

See how many things were said that should have caught my attention so that I would not have fallen prey to this scammer. Read the REST of the story here > > ><https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fr20.rs6.net%2Ftn.jsp%3Ff%3D001k3h8F5-10pOFQw4SEjUF8GA0G9aRIexjJnPyyJKQUK18rCVSn3fimmm9hLltfu8X_kzNtzyDC_qWTf9Pl538Uy3c-wzhMQ3pO21hqUw8TkPeA4yPOMAIe_T61kfd5uBm2CUc1ZGY7j7__SkfsilH0TKVnCB4ifyla4KrMS-eEiRLvqanlcF8OxSjZXBWCT-WuyKoWg6yfQfnnPJtuECHKA%3D%3D%26c%3DBTqyrGOXU-S3h74Ad6nWWdjPI80sshYF7sV68nZ6-YAUJCY43rpmUA%3D%3D%26ch%3DVmWA99lYD914Q4L7_z9Jv1tzS6M3N9XOu9qJMSJL5DHnUgXilfUIXw%3D%3D&data=05%7C01%7CDarci.HANNING%40slo.oregon.gov%7C5d191202d99147d3202c08db2a32a73f%7Caa3f6932fa7c47b4a0cea598cad161cf%7C0%7C0%7C638150169274776809%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=%2Fc4HiY9TZ542yMOBIgNV%2Bz%2B19Jym4d3Ksif1EjXmXLg%3D&reserved=0>

[https://files.constantcontact.com/ee1208b4001/f8f1ecc8-4884-4c21-8ed0-cf647e6db944.png]

Communications: Writing/Talking

Remember vs. Don't Forget

It's so easy to tell someone, "Don't forget to ..."

But, if you change that up to, "Please remember to ..." you'd be better off. Why?

Because you don't want to reinforce the negative. Which word do you want to linger in your friend's mind: "forget" or "remember"?

It's a little thing, but switching to the positive in the words we choose is not only more effective, but is uplifting of others.

[https://files.constantcontact.com/ee1208b4001/da1c6ee9-ba35-4af5-9c80-8e1b5781189e.png]

Leadership

A productivity idea

If you can work your way past the triple negative, this quote attributed to the quality expert, Peter Drucker, has an excellent message.

"Nothing is less productive than to make more efficient what should not be done at all.”

When you're looking at increasing productivity, perhaps assessing which activities are no longer necessary would be a good first step.

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