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  Geebo 9:00 am on February 21, 2022 Permalink | Reply
  Tags: bank scam ( 70 ), customer service, customer support ( 23 ), impersonation scam ( 144 ), Scams ( 1,354 ), Wells Fargo ( 11 ), Zelle ( 66 )   

  Even sending money to yourself through Zelle is a scam 

  

  By Greg Collier

  Before we get started with today’s blog post, we wanted to share this article from The Guardian about why we shouldn’t blame the victims of scams. Please keep in mind that anyone could fall for a scam, and it doesn’t help to mock those that do.

  In today’s post, we’re going to discuss a scam that we’ve been focusing on a lot lately. Once again, the Zelle scam has turned up in the headlines again. For those who may not know, Zelle is a payment app that is co-owned by a number of high-profile banks. Since at least Fall of last year, scammers have been using Zelle in a customer service impersonation scam to get their victims to empty their bank accounts.

  The way the scam works is the scammer will send you a text message that appears to come from your bank. The text message asks if you recently made a large purchase or transfer. You’re asked to reply YES or NO to the text message. If you reply to the text message, you’ll receive a call from the scammer posing as your bank’s fraud department. The scammer will tell you that to protect your money, it needs to be moved through Zelle. What the scammer is really doing is walking you through the directions on how to move your money from your account to the scammer’s account.

  Recently, another level to this scam has been added. A number of Wells Fargo customers have reported falling for the Zelle scam. However, in the latest instances, the scammers had their victims open Zelle accounts in the victims’ names before transferring the money. This lends an appearance of legitimacy to the scam, since the account is in the customer’s name. Unfortunately, that doesn’t stop the scammers from taking the money sent to the new Zelle account.

  Since Zelle is co-owned by some of the nation’s leading banks, many consumers think that there is some form of protection against scams, but that is not the case. Victims of the Zelle scam rarely ever recover their money.

  There are a few ways to protect yourself from this scam. The first is to not respond to text messages that appear to come from your bank. If there is an issue with your account, you’re always better off calling the customer service number on the back of your debit card. You can also visit your bank’s local branch during business hours. The best way to protect yourself is to keep in mind that payment apps like Zelle, Venmo, and Cash App, are only supposed to be used with people you know. If someone says you need to use one of these apps to protect your money, they’re more than likely trying to rip you off.

   

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  Geebo 9:00 am on February 17, 2022 Permalink | Reply
  Tags: bank scam ( 70 ), customer service, customer support ( 23 ), Microsoft ( 20 ), Scams ( 1,354 ), tech support scam ( 49 )   

  Keeping secrets for scammers 

  

  By Greg Collier

  A man from Indiana recently fell victim to a tech support scam. A pop-up appeared on his computer that said his computer had been compromised, and he needed to call Microsoft at the attached phone number. However, the phone number didn’t actually go to Microsoft. Instead, it went to a call center run by scammers posing as Microsoft technicians. They told the man his computer had been hacked. The disturbing part was that the scammers knew what bank the man used and the last four digits of his bank account. The scammers used this knowledge to convince the man that his bank account was in danger, and he needed to move his money to protect it. The man was instructed to go to his bank and wire transfer his money to a bank account set up by the scammers. In total, the man lost $79,000 to the scammers.

  To get around any suspicions the bank may have had regarding the large transfer of funds, the scammers instructed the man to tell the bank that he was starting a business with his daughter in Thailand. As more people become aware of scams, scammers will come up with lies for their victims to try to avoid detection. We have seen this ploy used in several different scams. Sometimes it’s the phony grandchild telling a grandparent not to tell the rest of the family they need bail money. Other times it can be a fake police officer threatening a victim with arrest and giving victims the lie to tell a store employee if they get suspicious about why the victim is buying so many gift cards. Often, banks, stores, and money transfer companies are aware of many of these scams and will ask probing questions to try to rescue victims from a scam. Anytime you need to make an emergency financial transaction and someone asks you to keep quiet about it, the odds are you’re being scammed.

  As far as tech support scams go, virtually no legitimate company will tell you to call them through a pop-up window. Companies like Microsoft, Apple, Google, and Facebook tend to discourage end users from trying to call them. Also, you should never call any phone number that appears on a pop-up window, as it’s almost guaranteed to lead you to a scammer. If you really feel the need to try to call the company mentioned, don’t just use the first phone number that comes up in a web search, as they can be scam numbers as well. Only use phone numbers you get directly from the source, such as a company’s official website. Lastly, you should never let anyone you don’t know to have remote access to your device.

   
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  Geebo 8:59 am on November 17, 2021 Permalink | Reply
  Tags: bank scam ( 70 ), customer service, debit cards ( 13 ), impersonation scam ( 144 ), Scams ( 1,354 )   

  New bank scam plaguing customers 

  

  By Greg Collier

  As if bank customers didn’t have enough to worry about as it is, another scam with a familiar hook has started appearing. Much like the recent spate of Zelle scams, more scammers are calling their victims, posing as the victim’s bank. This particular scam is a little more disheartening because the scammers already have a lot of the victim’s information.

  Again, like many bank scams that have happened recently, the scam starts with a call to the victim from a scammer pretending to be from the customer service department of the victim’s bank. The victim is asked if their debit card has been used out of state. When the victim responds that they haven’t been out of state, they’re then urged to cancel their card due to fraudulent activity. The scammers already have the last 4 digits of the victim’s debit card. As the bank, the scammers then ask for the victim’s PIN, so they can ‘confirm’ the card’s cancellation.

  Once the victim gives the scammers their PIN, the scammers are off to the races, as they’ve already gleaned the victim’s debit card number from any number of data breaches. The only thing the scammers needed was the PIN, and from there they can drain the bank account the debit card is attached to. This scam has already been reported in Kentucky and could be on the way to spreading nationwide.

  If you ever receive a call from your bank about fraudulent activity, politely hang up and call them back at the customer service number on the back of your debit card or on the bank’s website. You can also visit your bank’s local branch to resolve any issues. Most importantly, never give your PIN to anyone over the phone unless you’re absolutely certain you’re speaking with your bank.

   
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  Geebo 9:01 am on November 12, 2021 Permalink | Reply
  Tags: bank scam ( 70 ), customer service, Scams ( 1,354 ), text scam ( 23 ), Wells Fargo ( 11 ), Zelle ( 66 )   

  Another national bank used in Zelle scam 

  

  By Greg Collier

  The Zelle scam continues to be an unstoppable force that has yet to meet its immovable object. In case you haven’t heard of this scam, Zelle is a payment app that’s preferred by many of the major banks in America. It works in a similar way to PayPal or Venmo but uses your bank account instead of a separate account. Scammers have been posing as banks and texting people, asking them if they just made a large purchase. When the recipient replies back with a ‘no’, the scammers call the person since they now know it’s a working number. The scammers will claim to be from the person’s bank and will instruct their victim that in order to prevent this fraudulent purchase, they need to send the money to themselves through Zelle. However, the money is actually being sent to the scammer.

  Previously, it was mostly reported that the majority of victims were customers of Bank of America, while other victims belonged to Chase Bank. Both B of A and Chase are part owners of Zelle. Now, we’ve seen a report where the victim was a customer of a different bank but also one of the Zelle owners. This bank would be Wells Fargo. A woman from South Carolina, who banks at Wells Fargo, received the text about the fraudulent purchase along with the follow-up phone call by a scammer claiming to be a Wells Fargo representative. This victim was also instructed to send the money to herself through Zelle. The exact amount she lost was not given, but was said to be in the thousands.

  The reason we’re mentioning Wells Fargo is that they are just one of nine banks that hold ownership in Zelle. Customers from any one of these banks could be vulnerable to this scam. The banks that we haven’t mentioned yet are BB&T, Capital One, Navy Federal Credit Union, PNC Bank, Ally, and US Bank. Potentially, even consumers who don’t use one of these banks could still be vulnerable to this scam, as some banks use Zelle even though they don’t hold ownership in it.

  If you receive a text asking if a fraudulent purchase has been made through your account, do not respond to it. This is how scammers know they’ve got someone on their hook. Instead, call your bank at their customer service number that’s listed on their website or on your debit card. That way, you can be sure you’re talking to a legitimate customer service rep from your bank. You can also go to your bank’s local branch, and they will also be able to assist you.

   
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  Geebo 8:00 am on November 3, 2021 Permalink | Reply
  Tags: Amazon ( 108 ), customer service, gift cards ( 100 ), impersonation scam ( 144 ), Scams ( 1,354 ), security card   

  Gift cards are not ‘security cards’ 

  

  By Greg Collier

  We have long said that if someone is asked to use a gift card for anything besides a gift, it is almost assuredly a scam. Once a scam victim buys a gift card and gives the scammer the card number, that money is immediately lost to the scammer. We can’t stress this enough that no legitimate company or agency will ever ask for payment of a debt or service in gift cards. As more consumers become aware of gift card scams, scammers have to adapt their tactics in order to fool their victims.

  Lately, there has been a rise in the Amazon impersonation scam. This is where scammers send out emails or text messages that look like they’ve come from Amazon. The messages say that an expensive item was fraudulently purchased through the victim’s Amazon account. The messages include a fake customer service number to call. Once the victim calls the fake customer service number, they leave themselves open for a number of scams.

  For example, a woman in Colorado recently fell victim to this scam. She says she received a call from someone posing as an Amazon agent. The victim was told that in order to prevent her account from being hacked that she needed to buy a ‘security card’ from a local retailer. She was informed that both Apple and Google have these kinds of cards. However, security cards aren’t really a thing, and these were just gift cards. After she gave the card numbers to the scammer, the scammer continued to hound the victim for more money, promising that the next payment would definitely secure the victim’s Amazon account.

  If you receive a message or call from someone claiming to be from Amazon and there’s fraudulent activity on your account, don’t just take their word for it. Before taking any action given by the message, check your Amazon account for any fraudulent activity. If there isn’t any, then you can disregard any instructions you received as being part of a scam. And just because a scammer calls something a ‘security card’ doesn’t make it so.

   
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  Geebo 8:00 am on October 28, 2021 Permalink | Reply
  Tags: bank scam ( 70 ), Chase ( 14 ), customer service, identity theft ( 105 ), phishing ( 75 ), Scams ( 1,354 )   

  Veteran loses college fund to nationwide bank scam 

  

  By Greg Collier

  A naval veteran from Southern California recently lost $19,000 to bank scammers. This particular bank account that was targeted by scammers was for his daughter’s college tuition. The man is a customer of Chase Bank and says the scam started with a text message that appeared to come from Chase. This was followed up by a phone call from someone claiming to be a Chase representative. The phone number the call came from was even said to have matched Chase Bank’s customer service number.

  The representative identified the man by name and also reportedly knew the last four digits of the man’s Social Security and debit card number. The man was told that there was fraudulent activity on his account. Before the man knew it, he was locked out of his bank account. When he got a hold of an actual Chase representative, he was told that wire transfers had been made from the account to a recipient in Florida. The entire account had been depleted.

  If you’ve been a reader of our blog for at least the past couple of weeks, this scam may sound familiar to you. This scam has a lot of the same hallmarks of the Zelle scam that’s been affecting bank customers nationwide. The difference here is that this is the first time we’ve heard of the scammers having a victim’s identifying information. With that information, they’d be able to bypass using Zelle, and access the account directly. It’s possible that the information was gained from some form of data breach and the call was made to confirm the information was up-to-date.

  If you receive a text from yours or any bank about fraudulent activity, do not respond to that text. Instead, call the bank from the customer service number that’s on your debit card or on the bank’s website. If you respond to the text, scammers may know that they’ve reached a live number where they can target a vulnerable consumer.

   
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  Geebo 8:00 am on September 30, 2021 Permalink | Reply
  Tags: Cash App ( 42 ), customer service, customer support ( 23 ), payment app ( 18 ), Scams ( 1,354 )   

  Victim scammed by fake Cash App website 

  

  By Greg Collier

  Cash App has an advantage over its competitors like PayPal and Zelle. A Cash App user doesn’t need to have a bank account linked to their Cash App account. This is a great benefit to many Cash App users who are underserved by banks in their communities. However, that advantage comes at a cost. Cash App doesn’t offer the same protections that a bank might when it comes to scams, and unfortunately, Cash App is probably the most popular mobile payment app used by scammers. One of the more common Cash App scams is the fake customer service number scam. This is where scammers take out ads on popular search engines claiming to be Cash App’s official customer service number, but instead you’re directed to a scammer.

  Something similar recently happened to a woman from Arizona. She used Cash App exclusively and did not have a bank account. She recently purchased a new phone and wasn’t sure how to transfer her Cash App account to her new phone. Just because smartphones are commonplace now, that doesn’t necessarily mean that everyone knows all the ins and outs of them, and purchasing a new phone can be a daunting task for some. The woman and her son looked on the internet for instructions on how to do this and came across a website that looked like an official Cash App site.

  The phony website even listed the correct customer service number for Cash App. However, when they clicked on the phone number, it redirected them to a scam call center. The phony rep asked for her account information and transferred all of her entire paycheck to a bank account controlled by the scammers. Another drawback to Cash App is that once a transfer is made, the account who received the money can block the account that sent the money. Or, in this case, the account that had money stolen from it.

  With payment apps like Cash App, your account isn’t permanently tied to the phone you first started using it on. As long as you haven’t changed your phone number, you should be able to redownload the app to your new phone and enter your login information and everything should be on the new phone.

   
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  Geebo 8:00 am on May 12, 2021 Permalink | Reply
  Tags: customer service, gift cards ( 100 ), rental car ( 6 ), Scams ( 1,354 )   

  Rental car scam is the latest attack on consumers 

  

  By Greg Collier

  Due to the pandemic, car rental companies were forced to sell off a lot of their cars just to stay afloat. Now that people are starting to travel again, car rental agencies have drastically raised their prices because of the shortage of inventory. Not surprisingly, scammers have stepped in to take advantage of the shortage. It seems like scammers always have their fingers on the pulse of multiple industries so they can immediately jump on any situation that could benefit them. While this scam may seem new, it’s actually a common scam with a new target base.

  How it works is the scammers are taking out ads on search engines. These ads claim to be from known car rental agencies except they have a different phone number listed than the actual agencies. If someone calls one of these phony numbers the person on the other end of the call promises a great deal for a rental car. The catch is that not only do you have to pay up front, you have to do so using a pre-paid debit card or gift cards. After someone makes the payment they’re told that the payment didn’t go through, and they need to make another payment. Scammers are notorious for trying to get more payments out of their victims if they can con them into sending the first payment.

  If this scam sounds a little familiar that’s because it’s a variation on the customer service scam. This is where scammers take out online ads purporting to be customer service departments for well-known companies. Cash App users have been plagued by this scam for years since Cash App doesn’t actually take customer phone calls.

  As far as avoiding this scam when renting a car, you should always use the customer service number that’s on the agency’s website. Most agencies have a location finding feature on their website that will direct you to the nearest local location along with their phone number.

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  Geebo 8:00 am on April 26, 2021 Permalink | Reply
  Tags: airline tickets ( 4 ), customer service, Scams ( 1,354 )   

  Cheap plane tickets could end up costing you a lot 

  

  By Greg Collier

  With many of the pandemic restrictions starting to be loosened, many people are looking to start traveling again. When people travel for whatever reason, they try to find the best bargain for their airfare. While this could lead you to getting a great deal, it could also lead to you being ripped off for airline tickets that may not even exist.

  If you’re looking to book a flight you might find various third-party websites and services that promise you a steep discount for airline tickets. However, the Better Business Bureau is warning consumers that they could be nothing more than scams. One version of the scam happens when you do a web search for an airline customer service number. Scammers often take out ads on the more popular search engines to try to get you to call them instead of the actual airline. They’ll take your money and send you a confirmation email but what they never send you are your tickets.

  In another variation of this scam, you’ll pay for tickets through a scam website or phony customer service number. The scammers will then contact you telling you that there’s been a price increase or an additional service charge is required. And you still never get any tickets. Legitimate airlines would never do this.

  If you’re planning to travel by air anytime soon, your best bet to protect yourself from these scams is to stick with the airline websites or well-known travel sites. You can still find some really good deals that also include lodging and car rentals. If you come across a deal that you think is just too good to pass up, research the service or website offering the deal before you give them any money. One of the best ways to do this is to put the name of the service or website in a search engine along with some additional search terms like ‘scam’ or ‘complaints’.

  As with most online purchases, a few minutes of research could save you from a lot of financial headaches.

   
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  Geebo 8:00 am on April 2, 2021 Permalink | Reply
  Tags: Amazon ( 108 ), customer service, customer support ( 23 ), false order ( 2 ), robocalls ( 8 ), Scams ( 1,354 )   

  Amazon robocall scam on the rise 

  

  By Greg Collier

  Not too long ago, we posted about an email phishing scam where the scammers posed as online retailer Amazon. Essentially, the victim received an email that said someone had made a large purchase on their Amazon account. When they called the phony customer service number included in the email they were told to buy thousands of dollars in gift cards to cancel the order. This scam seems to have returned with a vengeance across the county except this time in the form of robocalls.

  Robocalls are those automated spam calls that many of use keep receiving. It’s become an almost unavoidable everyday occurrence. Robocalls are illegal in the United States, but scammers rarely ever care about the law. This is why you still receive these calls even after being added to the national do not call list.

  Many reports are coming in from all over the country where consumers say they’ve been receiving robocalls purporting to be from Amazon. It’s an automated voice message that wants to confirm a high-dollar purchase that you supposedly made on Amazon. The message then provides a number to a phony customer service number which most certainly is not to Amazon. Other robocalls of this sort will ask you to press 1 to be transferred to someone who again, most likely does not work for Amazon.

  As we previously advised, if you receive one of these calls, do not call the number provided or press whatever number the call suggests to talk to someone. Instead, log into your Amazon account to make sure that no order of that type has been made to your account. If it has, you can dispute the order with Amazon right on their platform. We also recommend routinely changing your Amazon password if you receive one of these scam calls or emails.