I was snookered!

[Jstpssng]

My bank (Bank of America) immediately shuts down the card and orders me a new one when I contact them about a fraudulent transaction. Then they say they will investigate and credit the charge back to my account within 7 days. They have done this a couple times for me over the years.

I've had that done, also... with a credit card. The situation I cited was a debit card, and while the bank officer worked with my friend to get her money back she still got stuck with overdraft fees, to say nothing about the fact it took Sears several weeks to mail her a check.
It's easy to say that she should have had more money there, yet not everyone keeps $600 in their checking account.

As I mentioned before, a couple of years ago Amazon did a query against my debit card even though there is no way that they should have even had that number.

 

[jyoutz]

I've had that done, also... with a credit card. The situation I cited was a debit card, and while the bank officer worked with my friend to get her money back she still got stuck with overdraft fees, to say nothing about the fact it took Sears several weeks to mail her a check.
It's easy to say that she should have had more money there, yet not everyone keeps $600 in their checking account.

As I mentioned before, a couple of years ago Amazon did a query against my debit card even though there is no way that they should have even had that number.

What I described was with my Bank of America debit card. And the money was replaced by the bank, not the fraudulent party.

 

[WinterDeere]

The other happened today (hoping a tech savvy person could explain). This morning I get a cell phone (Samsung A20) from a fellow wanting to schedule a phone meeting with a financial consultant "Bob Smith". We discuss times and choose Tuesday January 10th at 3 p.m. So I go to my phone calendar, click on Jan. 10, 2023. In title as soon as I type B everything automatically fills out!
Bob Smith, company name, 3pm. Will alert me at 2:50pm.
How the h&&& can that happen? Scared the crap out of me.

Your phone will automatically scan email and text messages for associated appointment information, when you start filling manually out an appointment on your calendar. It's very likely this financial consult had an automated system fast enough to have already sent you such an email or text, so your phone was likely finding that as soon as you selected the date and time.

It's not scary... just convenient!

 

[Xfaxman]

I was almost snookered!

Got this email today:

Geek Squad is part of Best Buy stores.
Some poor English in it and the fact that we never had the service let me know it was a scam.

I do wonder what happens if you call the phone number?

 

[Jstpssng]

I was almost snookered!

Got this email today:
View attachment 774739

Geek Squad is part of Best Buy stores.
Some poor English in it and the fact that we never had the service let me know it was a scam.

I do wonder what happens if you call the phone number?

The first thing I would have done was check my CC... that's one nice thing about managing accounts online.

 

[Oaktree]

Your phone will automatically scan email and text messages for associated appointment information, when you start filling manually out an appointment on your calendar. It's very likely this financial consult had an automated system fast enough to have already sent you such an email or text, so your phone was likely finding that as soon as you selected the date and time.

It's not scary... just convenient!

Not in my book. Kinda creepy in fact.

 

[Jstpssng]

Not in my book. Kinda creepy in fact.

Agreed. But we're showing our age here.

 

[Xfaxman]

The first thing I would have done was check my CC... that's one nice thing about managing accounts online.

Yep, did that.

 

[California]

I ran into one this afternoon.

I located a newspaper article I wanted to cite in another thread, and clicked on the 'Do You Want All The Cookies' link that popped up. I clicked no to 'Sell My Info' etc, then 'Next'. Instead of confirming my choices, it then wanted my name, email, phone, even SSN, to continue. I Oops'ed out of there. That newspaper should know better than to allow that link on their home page.

 

[Citydude]

I was having trouble with my Hulu streaming app dropping out.

I logged into my account and got the help number and called them. After explaining the situation to the guy, he wanted me to verify it was me and asked for my SS number. I said Im logged into my account with my username and password. Thats all you need.

After some terse words from me, I hung up on him.

Scammers had that help number. Pretty sure they don't now.

 

[WinterDeere]

I was almost snookered!

Got this email today...

Oh geez, I get that one a half dozen times every week.

A few mentions here of age and other issues regarding susceptibility to scams, so here's the number one rule to avoid all phishing scams:

1. Never click on any link in any email.

It's that simple. If you get an email from your bank, your credit card company, or any other company or association with which you are associated, assume there's a 50/50% chance it's a phishing scam. Your banking association is often obtainable, so it's easily possible a scammer knows which bank you use. Even if not, they can play the odds, as most of this country uses just a few (Wells Fargo, Citizens, BoA) banks.

When you get an email from your bank, your credit card company, even Facebook, don't click on it. Instead, open a fresh browser window, go to their site, and log in independently of the email. Check your notifications there, to see if there's a legit issue.

Furthermore, in many email clients, you can simply hover the mouse over the link, to see the URL toward which it is directing you. If it's not "www.wellsfargo.com", or whatever the link suggests, you know it's bogus.

 

[buckeyefarmer]

I got call today that came up as potential spam. I didn’t answer and no message left.

 

[California]

It's not just the telemarketers ...

Wells Fargo hit again with billions in fines for unbelievable violations against consumers

On Tuesday, the Consumer Financial Protection Bureau (CFPB) announced that perennial example of corporate greed and corruption Wells Fargo has been ordered to pay out $1.7 billion in fines and another $2 billion in “redress to consumers.” This is after...

www.dailykos.com

 

[3Ts]

There really is no such thing as privacy anymore. I changed Medicare advantage plans this year to a new company. As part of setting up my online access there were some multiple choice security questions to answer...ones like "which county did you once live in" or "which of these streets is closest to your home address". I'd never done business with this company before, I have no idea how they knew this stuff.

It's that simple. If you get an email from your bank, your credit card company, or any other company or association with which you are associated, assume there's a 50/50% chance it's a phishing scam. Your banking association is often obtainable, so it's easily possible a scammer knows which bank you use. Even if not, they can play the odds, as most of this country uses just a few (Wells Fargo, Citizens, BoA) banks.

If you have not gotten your free credit report from the 3 Credit Reporting agencies, you really need to do so. You may be surprised as to what they have on you. They have a list of past addresses that you lived at, your bank(s), credit card info, etc. You can get one free from each agency once a year. For some reason you have to go to a website that links all 3 agencies and not via the agency's website though. Search for "free credit report". Also, if you are over xx age you can get it frozen for free (I don't remember the age) otherwise it will cost a few dollars to freeze it.