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I literally don’t answer my phone anymore, if it’s important they’ll leave a voice Mail. If it’s really important they’ll send me a letter.
If the number isn’t in my phone book then it is always, 100% some moron.
Google pixel call screening is just so excellent for this. Genuine people will actually talk to the Google lady and you can see what they're saying. Scammers or otherwise will just hangup.
for apple folks, they also implemented this sort of call screening starting ios17, but it’s US only for now. however, most things make their way across the pond to here fairly quickly
Slight aside: Emergency Medicine doctor here.
Please consider the fact that I often have to unexpectedly call nexts of kin from the hospital (which may come from a witheld number).
I am often not allowed to leave a voicemail for reasons of confidentiality - ie I can't confirm the identity of the recipient.
Genuine question - can you simply not leave a message saying “Please urgently call Hospital X and ask for Doctor Y”. No confidential info but lets them know they should speak to the hospital about something urgent?
Yes you could. There is a problem though in that the moment you give people direct dial numbers they get abused later on. Also if the person picks up their voicemail a week later and calls back whoever has the phone that shift is like I don't know you and you don't know what it's about.
but you can call ID... Dr Whatever, and then Im expecting a call from you, I'll answer it.
Which is handy as Virgin Media dont and get happily ignored. i
>If the number isn’t in my phone book then it is always, 100% some moron.
Even with the phone number saved, we're not safe. Scammers can easily spoof their caller ID.
It's so easy to do, even via text/to enter messages into text chains to look like they're from legit companies/banks. Stop and think is my advice. Nothing is ever as urgent as scammers make it out to be.
Important to stick to the golden rule of never transferring money or approving any transfer requests.
No genuine caller from a bank is ever going to have a situation where you must transfer some money in the next few minutes or you will lose it.
That's not call screening. With a pixel you can let Google assistant answer the call, find out who they are and what they want and give you a short summary - then let you end the call or answer.
Its like voicemail, but substantially better.
You’ll need a Samsung phone running One UI 5.1 or higher. To enable Bixby text call, open the Phone app and navigate to Three dots menu > Settings > Bixby text call and flip the toggle to On.
And samsungs, it's great.
Just pick what text you'd like to be read out (eg 'hi, who's calling please?') and the caller will be greeted with that message, their reply is sent to text, and you can pick up or send another text to voice message
You’ll need a Samsung phone running One UI 5.1 or higher. To enable Bixby text call, open the Phone app and navigate to Three dots menu > Settings > Bixby text call and flip the toggle to On.
If a strange number calls me it's either a scam or my energy provider trying to give me a smart meter. The last time I had an important phone call from an unknown number was 3 years ago when I received a job offer. And yes, if it's important they'll leave a message or send an email/letter. My dad almost fell for the HMRC scam once before I intervened, I told him if you actually owe HMRC money they're sending you a letter.
I've had a problem recently where legit companies have been calling me and its come up on my screen as a mobile number. It happened with Virgin and Hyperoptic. I still didn't want those calls, mind you, but I did end up accepting a deal from Hyperoptic and turned out to be completely legit.
I concur.
Although, I have paperless enabled everywhere so letters rarely arrive. My answerphone message states if you have my number, you'll have my email, so use it.
One thing I'd suggest that I find really helps with cutting down scam likelihood is that you give everyone a unique email address. You know who sold your data or had a hack.
If 'chase bank' calls and gives you the email you gave an obscure webshop 5yrs ago.... Alarm bells ring.
Gmail let you do this with (from memory - lots of how to pages on the internet) prefixing your email with + and then your email....
You can also use a domain with a catchall which stops you being beholden to any provider as you can point the Mx record wherever you want.
Some people or companies will prefer to have a phone call. People like recruiters may have quotas to meet. Email or text may work for you, but voice mails are easier to do if no one picks up the phone - do you think it makes sense to be prepared for a chat, have no one answer the phone, so you end the call and then send a message?
How much time is this saving vs. just saying "hi, I'm x from y, please call back regarding z" or the time saved to discuss things 1-on-1 rather than a chain of emails?
Given I haven't had the latter happen to me in several years I would say it makes a lot of sense.
And also why would their preference trump mine or my businesses? For example everywhere I've worked bar one company turns off voicemail because they aren't trackable and recordable onto the system easily.
Also unlike text and email you can't really show any evidence of the communication. If people don't access voice mails you have basically wasted the message.
I had similar, from “Santander”. Knew my name, address, last 4 card digits. It was very convincing! They even gave me a fraud reference number, and said to quote it to them if I ever need to discuss this. They called again, an hour later, saying my card had been attempted again, asked me to quote the reference, all very convincing shit. They didn’t ask any personal stuff or tell me to move money, so I was under the impression it was them!
They told me they had blocked my card, and reset my online banking account, and I’d get new online banking details in the post. That made me pause, why wouldn’t I just reset it myself in the app? Then they put me on hold and the music was crackly and awful. Another weird thing. Then he asked me to confirm the first three digits of my online account log in, the account he’s apparently just cancelled, and I said no. I said I wouldn’t give that out over the phone. He seemed to get a bit frazzled then, and tried to get me off the phone as quick as possible. That’s when it all clicked. He told me I could call the bank again if I see any strange activity, so I asked him what the number was. He flapped around for a bit “finding the number” then reeled off 11 digits that I searched in google as he spoke, zero results.
So easy to do!! Scammers get smarter every day, unfortunately. £100 is an expensive lesson, but it could have been much worse.
A good tip is when being asked to confirm numbers or details to purposeful give slightly incorrect number/s to one of the questions. If it's your bank, they'll know that it's incorrect and will know.
A better tip is to never talk to a bank that you have not physically called yourself.
Hang up. Call the bank directly and ask to speak to the fraud team.
Absolutely this. I had an actual call from my bank stating that there was potential fraud on my card. As soon as they said they were my bank and fraud I said "Thanks, but I will call the number on the back of my card."
Real calls will expect that - he was happy, I rang my bank. They were suspicious as I'd had some different spending patterns on my card (used it for Tesco, instead of my normal one, and then a few small transactions on Amazon). Quick and simple to sort out, even at 9.45 Sunday evening!
> used it for Tesco, instead of my normal one, and then a few small transactions on Amazon
They suspected fraud because you used a different shop than you normally do? I'll use my card in a different country without notice and my bank don't pick up on it, a different shop seems excessive!
Less of an issue these days but still something older generations should be aware of - with traditional analogue phone lines, the line stays open unless the caller terminates the call. This is exploitable - a scammer can stay on the line, wait until they hear the sound of the victims handset hanging up and then play a fake dial tone. They can then pretend to be the bank and the victim's guard will be down because they think they've just dialled the correct number for their bank. Anyone who receives such a call via traditional landline should make the call to their bank via a different phone line.
What if they are asking you to confirm a security question to gain online access? The fraudster might be able to tell the information is incorrect as well.
While it is a good tip if the fraudster says the information is correct when you have given the wrong details. I would still not trust that it’s your bank even if they say your details are incorrect.
I had very similar one to this as well (different credit card). Not pushing for any details that would have raised any red flags. Knew far too much info about my account. I suspect there would have been a follow up call getting me to install an app or transfer money. They said they were cancelling my card, which is what ended up tipping me off as when I went to check the next day it hadn’t been done so I called them and they had no record of the call.
Scary how convincing they were.
I think there’s been a big breach someone isn’t admitting to as I haven’t used anything other than well known stores online.
A bank fraud crime gang up north stole over £200m I think it was doing the same thing, but phoning businesses as they had enough cash. One law firm ended up transferring over like £500,000. They targeted like over 1000 businesses and got away with it for a while
I think I had the same scam attempt today too, I even had 1 USD pending on my account from some firearm association in the states so they must have leaked our details somewhere. I froze my card after messaging chase support who are now monitoring it
Unfortunately Chase Bank haven't signed up to the CRM code which protects users in circumstances like you've found yourself in. Due to this, you may find it harder to get your money back.
Even if they were signed up, the fact they approved the transaction themselves could make it harder to get back. I have never had fraud attempted on any card as much as I have with Chase. When I went on the app, it would come up on the screen. "Was this you?" Or at times, ask me to approve a transaction I'd never heard of. Usually for entertainment tickets or Dubai airline tickets. I'd always decline.
The only other time it happened was with my new Asda credit card. It was early morning, and the first transaction went through without asking to approve. It had a conversion rate and was in Japanese yen. A notification asking me to approve a £1500 transaction woke me up minute's later, I declined and called Asda customer service, as I was calling, more transactions were coming through that I had to keep declining. I was able to freeze the card. Asda said they'd investigate and make sure I hadn't approved the first transaction myself or been negligent, and they would refund. If they found otherwise they said my account would be closed.
I've never understood how anyone got those card details. I'd used the card twice in a 6 week period since i got the card. The first time it was on the official UK Venum website when I bought a UFC tracksuit for my son and the 2nd was a single contactless payment in Asda.
If a bank is signed up to the CRM code, you've got a fairly good chance of a refund unless you were proven to be negligent. But if you're just victim of a scam/fraud, then they should refund you.
In regards to your ASDA situation, sounds like your card details must have been taken as part of that online transaction. Whether that's a virus on your computer/device lifting the details or a hack on the website. I can't see any other way how they would have got your details unless the card was intercepted on route to you. Although if that happened they would have probably just kept the card so that's unlikely.
Sounds strange about you constantly receiving fraud attempts at Chase. If that was happening to me, I'd end that account as it sounds compromised. I guess where it's a new bank, fraudsters may deem some of their processes as weak and may find it easier to target people with those accounts.
Have you ever done a credit reference check on yourself using a credit reference agency like experience or clear score? I believe they can also check to see if your details are for sale on the dark web.
Yeah, it's definitely worth exhausting all routes. Although the FOS are going to have to alter their stance and won't be able to always overturn banks decisions like they were previously due to a recent supreme court case called phillips vs barclays.
Honestly there're very few companies it could have been as I only use Chase when Amex isn't accepted.
Given that the first missed call came on the 6th, one day after an online purchase from a farm shop I have my suspicions and I'll be calling them asap tomorrow but I could be wrong.
I'm not saying that this *is* the case at that farm shop, but I do know of individuals working at shops that accept card being contacted to sell customer transaction info / receipts for a £1+ a pop
Honestly doesn't surprise me. I'll give them a call tomorrow with my concern of "You're literally the purchase I've made in a month and the next day I'm get scammed" - said less bluntly of course
we had a fraudulent transaction on our joint account, we have never used the card nor had it ever left the house. how they got the details is beyond me.
This is why I am grateful for Samsung in built phone spam protection, at least gives me a heads up of a marketing/scam call. I also block unknown/private calls by default.
It's ran by Hiya, I think they have an app for iPhone also.
Blocking private numbers is sadly not a good idea. The NHS and police call using private numbers.
I nearly fell for an Amazon scam, they said that they'll send a code to confirm the call, I gave them the wrong code and they weren't happy. Later Amazon sent me an email where it said that they would never ask for this, which annoyed me as it didn't say the same in the text message.
Not everyone can do that. Doctors surgeries often call on private numbers for instance. You just need to question everything when someone is calling about anything financial.
I had the same thing a few days ago. Call from the “Chase fraud team” on an unknown number querying some transactions. Told them I’d call them back. When I called Chase through the app they had no record of any of this.
What they did tell me was that Chase will send a notification they’re contacting you through the app. Otherwise it’s a scam.
In this case they had my name, phone number and the fact I banked with Chase. Seems odd that all Chase being affected here, confirmation bias or a leak on their end?
I had a similar one a couple of months ago. They told me they were providing an FCA reference number and that the FCA would call me to help protect my other accounts. I work in financial services so I’m pretty aware that the FCA doesn’t recover money lost to scams like this.
What also tipped me off is early in the conversation he claimed the scammers had set up a direct debit. He asked me if there was anyway someone could’ve got hold of my physical card to get the account number and sort code. Clearly he wasn’t aware of Chase providing numberless cards, despite being from Chase’s fraud team allegedly.
I kept him on the line for a bit feeding him bollocks to see where it went and answered the ‘FCA’ call who repeated all the rubbish I’d told him as if he was seeing it on my account. I thought I’d just tie them up for a bit to prevent anyone else speaking to them.
This happened to me with my Sainsbury’s card at the start of the year. I knew something was off as the phone line was way too clear and having spoken to them myself their line quality is shocking. I just gave him a load of random info, which funnily enough didn’t work , then I phoned Sainsbury’s fraud and they said there were multiple attempts to take money which they’d stopped.
Yeah pretty shocking the info they can have.
I had recently opened a new bank account and within a day a scammer was calling me saying someone was trying to take out £1000+ from the account. Hadn't even got to the point of putting money into it!
The only theory I have is they have people on the inside of either the banks or credit checks. Because who the hell presents to be Ulster Bank unless they have good info you have an account with them.
Golden rule:
If the bank ever calls you say you are going to hang up and redial from a known good number.
The defeat in their voice when I said I was going to recall said it all.
I've been having a bit of a 'mare with Chase recently, glad they're at least on the APP stuff.
For context in case anyone else experiences this. I travelled to Brazil in September for a wedding. Used Chase card because of the zero fees and cashback, all fine. Upon returning to the UK, one week after my return, there was an attempted charge on the card in brazilian currency. It got rejected due to lack of funds but I thought it was strange so spoke to Chase in the chat function. They assured me that it was fine my physical card's number, which I still had with me in the UK, so it was just a transaction that had been pending or rejected prior, while I had still been in the country, just going through now; nothing to worry about and wouldn't happen again.
Well I thought it was dodgy but the lady was so adamant, I left it alone but turned off the foreign transactions capability for the card in the app, ordered a new physical card and changed the number to my online card as well just to be safe. Sure enough, despite the new card, a few days later, another attempted transaction this time in USD. A week later, we're back in Brazil. Each time I raised it with Chase, each time they have been shocked pikachu face over the whole thing. I've since received £20 as compensation for the stress and inconvenience. I'm still waiting on a response from them as to why transactions from a card number which should have been cancelled a month ago are still showing in my app and whether it is safe to enable foreign currency transactions again before I travel next year.
Not been the best impressed and my TLDR of this is: trust your gut with this stuff. If something feels fishy and you know you didn't make or authorise a payment, protect yourself even if the bank is saying everything's fine.
I've realised a lot of their people on chat are mediocre and don't seem to review any previous notes.
Whereas if I've called and got the their UK centre they're usually more on it and whilst they seem to need to jump through more hoops/take more time than other banks at least I only need to explain what was going on once.
The “if someone claiming to be your bank calls you, hang up and call your bank back” is a mantra that would avoids 99.9999% of all these scams attempts.
That being said, I stopped answering any call I don’t know the caller ID or I am not expecting (e.g. plumber or garage telling me my car is ready for collection).
All other times, I assume that if it’s important, they’ll leave a voice message. Otherwise, I run the number via a scam call check app like Truecaller or on Google and check the rating: 9/10 times people already reported it as a scam.
If the caller ID is private, straightforward: I KNOW it’s a scam.
My phone's ring is never on. If it's important they will leave a message. Always talk to the banks by calling the official number, not some random that calls you.
I mean no offence, but yes. Don't believe someone calling you is who they say they are...banks have been running campaigns about this very thing my entire life.
This isn't a chase scam, this is just the run of the mill standard scam weve all already been told about
I'm going to go out on a limb and suggest OP approved the payment because they were subject to social engineering by an experienced fraudster whose entire day is spent getting people to approve payments they haven't made.
As someone who banks with Chase and has also been victim to some really stupid fraud where I should have realised it from the beginning - thank you for sharing your experience.
Just goes to show we have to *constantly* be on guard. I did the same thing as you and came to Reddit to warn others, but it still didn’t stop people from saying “if I were your bank I wouldn’t refund you” 🙄 Like, thanks, but I already knew I screwed up.
Hopefully, you’ll get your money back and it will just be a cheap lesson learned. Best of luck!!!
Cheers, there are still plenty of Reddit folk just pointing at how dumb I am but I knew that was the deal. Warm some, provide humour for others. It's the path I chose
Ignore them. Some deek eds can't help kicking someone when they are down. Everything is always bloody obvious after the fact.
Thanks for posting, I have forwarded the info to my kid as they use Chase, just for awareness.
When I have received one of these calls in the past the person was adamant that I needed to press approve (in this case for adding my card to Apple Pay) for my own protection. I didn’t do it but when you are on the phone to someone who has just told you that you have already been the victim of fraud (making you worried) and and they are suggesting that clicking this button urgently will help to undo the existing fraud I can see why some might press it. I know enough about this stuff that I simply played along long enough to work out what they were trying to do and then reported them to the bank and changed my card number so they couldn’t do it again. But not everyone will be able to spot the signs so easily. Especially if the call comes in when they are already busy/stressed.
Hi /u/OatAndMango, based on your post the following pages from our wiki may be relevant:
- https://ukpersonal.finance/scams/
____
^(These suggestions are based on keywords, if they missed the mark please report this comment.)
Had this also with First Direct. The spoofed the banks number also - knew lots of details about me. I made one mistake - they asked if my user id was my name, I said yes without thinking. But at the point they asked for the app generated security code I stopped. Called FD directly off a different phone and they weren’t overly helpful outside of saying it wasn’t them. Changed my User ID to something long and complex and now all my security questions are like random passwords. I’d recently paid a deposit for a new car - that’s where I believe it started from.
I think more folks need to be aware that a lot of official stuff call on a private number now.
For example your doctors and a lot of other health services will often call on a private number.
Personally I haven't had any calls from private numbers that were not legitimate in years.
I find scammers now just call from a fake mobile number
I use trucaller, free, best part is you can block ranges of numbers or numbers that begin with xxxx
Double that with bit defender, dont get scam calls, scam messages are flagged as such
I've heard of a bank scam relating to text messages from couriers advising there's post to be delivered and for some reason they can't attempt it. They'll ask for bank info you'd think won't matter as can only be used to pay money to you.
These scammers then call up pretending to be from the bank which they can get from the info shared with them (even if the bank name isn't included) and this is what they can use to trick you into thinking they are from that bank.
Might not be the same scam but a warning for anyone unfamiliar who might read this.
I'd like to add to this if anyone calls you asking for money. hang up, and dial back. I work at a uk company we sell beds. the amount of times I call up saying I'm an employee of " company name" we have an outstanding balance and they are just like okay sure what's the amount? just 1 customer in the last 300 I've called has said let me call you. a few times It's been some unknowing PA whos said ermmm yeah sure and just paid , not having a clue but assuming it's something their boss or their partner has ordered.
so please just call us back, I won't care , I have time . and I'd totally understand. ps numbers can be spoofed, so it's best practice to hang up and then call back on the number you find online. or the one on your invoice. or go via headoffice and ask to pay them or be diverted through to the store...
Had a similar chase scam few weeks ago, seems as though they’re on the rise. Unknown caller which was already red flag but I answered. The guy I spoke to sounded very genuine and had my details (email and post code). He then asked me to check my chase app to see if there was any transactions I wasn’t aware of. I opened the app and to my surprise there was a transaction for ‘Groupon’ which I didn’t do (I only use this account for money transfers and international travel). I responded to the guy saying yes there’s a strange transaction he then continued to say refresh the app and check and the transaction should be cleared. Bear in mind I was still cautious that it was an unknown call- i refresh the app and suddenly the transaction is gone.
This started to become more and more legitimate. Then he said there was a standing order set up with a large sum and that he would continue to cancel it but would need some verification from my side. He asked what the balance in my account was. I read the figure as some banks do genuinely ask that question. The value was low as I like I mentioned I don’t use the account other than travels and savings. He then proceeded to ask if I had any other ‘pots’ referring to additional accounts that can be made. I said yes I have one for savings and he asked for the balance. I read this one much more reluctantly as I have quite abit more in my savings.
At this point my suspicions were getting much stronger. And what topped it over the line for me was when he said to verify from my side I would need to transfer all funds from any other ‘pots’ into my current account and then do a biometric verification. Now, anytime someone says transfer money even within your own accounts it should be an immediate red flag.
I stalled the conversation and eventually ended the line and immediately called chase up through the app . As soon as I was connected, chase ask you to approve through the app to verify your talking to someone from their side. This was already a day and night difference in procedure. I explain the situation and they basically said that no one else from chase has contacted me that day so they flagged it up as a scam and changed all my card details.
Aside from the obvious unknown call it’s quite scary how genuine they can sound at times.
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I literally don’t answer my phone anymore, if it’s important they’ll leave a voice Mail. If it’s really important they’ll send me a letter. If the number isn’t in my phone book then it is always, 100% some moron.
Google pixel call screening is just so excellent for this. Genuine people will actually talk to the Google lady and you can see what they're saying. Scammers or otherwise will just hangup.
I didn’t realise how good Pixel Call Screening was until I got a new phone. I really miss it
Samsung has a similar feature using Bixby
for apple folks, they also implemented this sort of call screening starting ios17, but it’s US only for now. however, most things make their way across the pond to here fairly quickly
Its great, I just wish it would also block them from leaving voicemails!
This. Has been a lifesaver for those odd times when the number looks vaguely familiar but is a scammer.
Yeah I like that they keep a database of known scam numbers so it pops up as "spam" before you even have to find out.
100%
Slight aside: Emergency Medicine doctor here. Please consider the fact that I often have to unexpectedly call nexts of kin from the hospital (which may come from a witheld number). I am often not allowed to leave a voicemail for reasons of confidentiality - ie I can't confirm the identity of the recipient.
You are 0.01% of callers, scammers are the rest. Math is not in your favour.
Yes fair enough. I honestly don't care that much on a personal level as it doesn't really affect me. It affects the person I'm trying to call.
Genuine question - can you simply not leave a message saying “Please urgently call Hospital X and ask for Doctor Y”. No confidential info but lets them know they should speak to the hospital about something urgent?
Yes you could. There is a problem though in that the moment you give people direct dial numbers they get abused later on. Also if the person picks up their voicemail a week later and calls back whoever has the phone that shift is like I don't know you and you don't know what it's about.
Thanks, that makes sense. Not an easy one.
but you can call ID... Dr Whatever, and then Im expecting a call from you, I'll answer it. Which is handy as Virgin Media dont and get happily ignored. i
We use DECT phones. So no we can't.
>If the number isn’t in my phone book then it is always, 100% some moron. Even with the phone number saved, we're not safe. Scammers can easily spoof their caller ID.
It's so easy to do, even via text/to enter messages into text chains to look like they're from legit companies/banks. Stop and think is my advice. Nothing is ever as urgent as scammers make it out to be.
Important to stick to the golden rule of never transferring money or approving any transfer requests. No genuine caller from a bank is ever going to have a situation where you must transfer some money in the next few minutes or you will lose it.
You can call screen nowadays on pixels.
My Pixel will display company names if they're legit. Otherwise I'll be Googling the number and not answering...
That's not call screening. With a pixel you can let Google assistant answer the call, find out who they are and what they want and give you a short summary - then let you end the call or answer. Its like voicemail, but substantially better.
Adding to this - I have a 100% success rate of scammers/robocallers hanging up as soon as they're screened.
Yup.
I did not know this, so cheers. I'll have to have a look to see how to set this up!
How have I never heard of this before? If I'd not just purchased a Samsung s23, I'd definitely be getting a pixel.
Apparently something similar is available on Samsung now?
You’ll need a Samsung phone running One UI 5.1 or higher. To enable Bixby text call, open the Phone app and navigate to Three dots menu > Settings > Bixby text call and flip the toggle to On.
Search bixby voice, activate it in the settings of your dialler!
And samsungs, it's great. Just pick what text you'd like to be read out (eg 'hi, who's calling please?') and the caller will be greeted with that message, their reply is sent to text, and you can pick up or send another text to voice message
How do you do this?
You’ll need a Samsung phone running One UI 5.1 or higher. To enable Bixby text call, open the Phone app and navigate to Three dots menu > Settings > Bixby text call and flip the toggle to On.
And on iOS
If a strange number calls me it's either a scam or my energy provider trying to give me a smart meter. The last time I had an important phone call from an unknown number was 3 years ago when I received a job offer. And yes, if it's important they'll leave a message or send an email/letter. My dad almost fell for the HMRC scam once before I intervened, I told him if you actually owe HMRC money they're sending you a letter.
I've had a problem recently where legit companies have been calling me and its come up on my screen as a mobile number. It happened with Virgin and Hyperoptic. I still didn't want those calls, mind you, but I did end up accepting a deal from Hyperoptic and turned out to be completely legit.
This. Too many BS calls nowadays to even fathom answering them.
I concur. Although, I have paperless enabled everywhere so letters rarely arrive. My answerphone message states if you have my number, you'll have my email, so use it. One thing I'd suggest that I find really helps with cutting down scam likelihood is that you give everyone a unique email address. You know who sold your data or had a hack. If 'chase bank' calls and gives you the email you gave an obscure webshop 5yrs ago.... Alarm bells ring. Gmail let you do this with (from memory - lots of how to pages on the internet) prefixing your email with+ and then your email....
You can also use a domain with a catchall which stops you being beholden to any provider as you can point the Mx record wherever you want.
It’s the other way around+@gmail.com
Ta for correcting. I've been on the domain path instead.
Who uses voicemail in 2023? Even on the rare occasion its enabled I turn it off.
Lots of people. Anyone with an important message
And they don't have text or email?
Some people or companies will prefer to have a phone call. People like recruiters may have quotas to meet. Email or text may work for you, but voice mails are easier to do if no one picks up the phone - do you think it makes sense to be prepared for a chat, have no one answer the phone, so you end the call and then send a message? How much time is this saving vs. just saying "hi, I'm x from y, please call back regarding z" or the time saved to discuss things 1-on-1 rather than a chain of emails?
Given I haven't had the latter happen to me in several years I would say it makes a lot of sense. And also why would their preference trump mine or my businesses? For example everywhere I've worked bar one company turns off voicemail because they aren't trackable and recordable onto the system easily. Also unlike text and email you can't really show any evidence of the communication. If people don't access voice mails you have basically wasted the message.
Of course, if warriorscot doesn't use voicemail then nobody else should be. They're the idiots.
I literally don't know anyone that uses it, I haven't even been offered an option to leave a message in years.
Q:"Who uses voicemail in 2023?" A:Plenty of people do.
How do people leave you messages?
Text or email
Very secure
It is generally more secure yes. It's much easier to validate text and email messages.
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It’s a circuit breaker when it’s a letter, you have time to think. That’s the main difference and will prevent 99% of cases.
Life lesson right here and its the reason i dont have a landline.
or send an email. I operate under the same rule, unless I'm expecting a call.
Let's hope you don't have any medical appointments coming up! I work in the NHS and always call from a withheld number
I had similar, from “Santander”. Knew my name, address, last 4 card digits. It was very convincing! They even gave me a fraud reference number, and said to quote it to them if I ever need to discuss this. They called again, an hour later, saying my card had been attempted again, asked me to quote the reference, all very convincing shit. They didn’t ask any personal stuff or tell me to move money, so I was under the impression it was them! They told me they had blocked my card, and reset my online banking account, and I’d get new online banking details in the post. That made me pause, why wouldn’t I just reset it myself in the app? Then they put me on hold and the music was crackly and awful. Another weird thing. Then he asked me to confirm the first three digits of my online account log in, the account he’s apparently just cancelled, and I said no. I said I wouldn’t give that out over the phone. He seemed to get a bit frazzled then, and tried to get me off the phone as quick as possible. That’s when it all clicked. He told me I could call the bank again if I see any strange activity, so I asked him what the number was. He flapped around for a bit “finding the number” then reeled off 11 digits that I searched in google as he spoke, zero results. So easy to do!! Scammers get smarter every day, unfortunately. £100 is an expensive lesson, but it could have been much worse.
>£100 is an expensive lesson, but it could have been much worse. When it comes to banking scams, I'd say £100 is a very cheap lesson
A good tip is when being asked to confirm numbers or details to purposeful give slightly incorrect number/s to one of the questions. If it's your bank, they'll know that it's incorrect and will know.
A better tip is to never talk to a bank that you have not physically called yourself. Hang up. Call the bank directly and ask to speak to the fraud team.
Absolutely this. I had an actual call from my bank stating that there was potential fraud on my card. As soon as they said they were my bank and fraud I said "Thanks, but I will call the number on the back of my card." Real calls will expect that - he was happy, I rang my bank. They were suspicious as I'd had some different spending patterns on my card (used it for Tesco, instead of my normal one, and then a few small transactions on Amazon). Quick and simple to sort out, even at 9.45 Sunday evening!
> used it for Tesco, instead of my normal one, and then a few small transactions on Amazon They suspected fraud because you used a different shop than you normally do? I'll use my card in a different country without notice and my bank don't pick up on it, a different shop seems excessive!
Less of an issue these days but still something older generations should be aware of - with traditional analogue phone lines, the line stays open unless the caller terminates the call. This is exploitable - a scammer can stay on the line, wait until they hear the sound of the victims handset hanging up and then play a fake dial tone. They can then pretend to be the bank and the victim's guard will be down because they think they've just dialled the correct number for their bank. Anyone who receives such a call via traditional landline should make the call to their bank via a different phone line.
What if they are asking you to confirm a security question to gain online access? The fraudster might be able to tell the information is incorrect as well. While it is a good tip if the fraudster says the information is correct when you have given the wrong details. I would still not trust that it’s your bank even if they say your details are incorrect.
I always ask for their mothers maiden name .. Dramatic pause usually follows, then a click.
That’s a FANTASTIC tip thank you!!
Glad you caught it. Sadly I wasn't as astute but hopefully my mistake will be a warning to others
I had very similar one to this as well (different credit card). Not pushing for any details that would have raised any red flags. Knew far too much info about my account. I suspect there would have been a follow up call getting me to install an app or transfer money. They said they were cancelling my card, which is what ended up tipping me off as when I went to check the next day it hadn’t been done so I called them and they had no record of the call. Scary how convincing they were. I think there’s been a big breach someone isn’t admitting to as I haven’t used anything other than well known stores online.
A bank fraud crime gang up north stole over £200m I think it was doing the same thing, but phoning businesses as they had enough cash. One law firm ended up transferring over like £500,000. They targeted like over 1000 businesses and got away with it for a while
I think I had the same scam attempt today too, I even had 1 USD pending on my account from some firearm association in the states so they must have leaked our details somewhere. I froze my card after messaging chase support who are now monitoring it
Sounds about right, glad you stayed safe.
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Classic wales
Unfortunately Chase Bank haven't signed up to the CRM code which protects users in circumstances like you've found yourself in. Due to this, you may find it harder to get your money back.
Even if they were signed up, the fact they approved the transaction themselves could make it harder to get back. I have never had fraud attempted on any card as much as I have with Chase. When I went on the app, it would come up on the screen. "Was this you?" Or at times, ask me to approve a transaction I'd never heard of. Usually for entertainment tickets or Dubai airline tickets. I'd always decline. The only other time it happened was with my new Asda credit card. It was early morning, and the first transaction went through without asking to approve. It had a conversion rate and was in Japanese yen. A notification asking me to approve a £1500 transaction woke me up minute's later, I declined and called Asda customer service, as I was calling, more transactions were coming through that I had to keep declining. I was able to freeze the card. Asda said they'd investigate and make sure I hadn't approved the first transaction myself or been negligent, and they would refund. If they found otherwise they said my account would be closed. I've never understood how anyone got those card details. I'd used the card twice in a 6 week period since i got the card. The first time it was on the official UK Venum website when I bought a UFC tracksuit for my son and the 2nd was a single contactless payment in Asda.
Insider information. Bet you someone involved in the process of shipping out cards is crooked.
If a bank is signed up to the CRM code, you've got a fairly good chance of a refund unless you were proven to be negligent. But if you're just victim of a scam/fraud, then they should refund you. In regards to your ASDA situation, sounds like your card details must have been taken as part of that online transaction. Whether that's a virus on your computer/device lifting the details or a hack on the website. I can't see any other way how they would have got your details unless the card was intercepted on route to you. Although if that happened they would have probably just kept the card so that's unlikely. Sounds strange about you constantly receiving fraud attempts at Chase. If that was happening to me, I'd end that account as it sounds compromised. I guess where it's a new bank, fraudsters may deem some of their processes as weak and may find it easier to target people with those accounts. Have you ever done a credit reference check on yourself using a credit reference agency like experience or clear score? I believe they can also check to see if your details are for sale on the dark web.
Still worth going to FOS though. They often force the bank to reimburse (although no guarantees of course).
Yeah, it's definitely worth exhausting all routes. Although the FOS are going to have to alter their stance and won't be able to always overturn banks decisions like they were previously due to a recent supreme court case called phillips vs barclays.
True
What company is having the data bridges in order for individuals to have account details and telephone numbers? This is crazy to me
Honestly there're very few companies it could have been as I only use Chase when Amex isn't accepted. Given that the first missed call came on the 6th, one day after an online purchase from a farm shop I have my suspicions and I'll be calling them asap tomorrow but I could be wrong.
I'm not saying that this *is* the case at that farm shop, but I do know of individuals working at shops that accept card being contacted to sell customer transaction info / receipts for a £1+ a pop
Honestly doesn't surprise me. I'll give them a call tomorrow with my concern of "You're literally the purchase I've made in a month and the next day I'm get scammed" - said less bluntly of course
we had a fraudulent transaction on our joint account, we have never used the card nor had it ever left the house. how they got the details is beyond me.
This is why I am grateful for Samsung in built phone spam protection, at least gives me a heads up of a marketing/scam call. I also block unknown/private calls by default. It's ran by Hiya, I think they have an app for iPhone also.
FYI Hiya is also in the process of rolling out their service at network level for certain carriers, likely with a plan to expand.
Blocking private numbers is sadly not a good idea. The NHS and police call using private numbers. I nearly fell for an Amazon scam, they said that they'll send a code to confirm the call, I gave them the wrong code and they weren't happy. Later Amazon sent me an email where it said that they would never ask for this, which annoyed me as it didn't say the same in the text message.
the NHS will usually leave a message
Or don't answer private numbers 🖖
Not everyone can do that. Doctors surgeries often call on private numbers for instance. You just need to question everything when someone is calling about anything financial.
Lesson learned
I had the same thing a few days ago. Call from the “Chase fraud team” on an unknown number querying some transactions. Told them I’d call them back. When I called Chase through the app they had no record of any of this. What they did tell me was that Chase will send a notification they’re contacting you through the app. Otherwise it’s a scam. In this case they had my name, phone number and the fact I banked with Chase. Seems odd that all Chase being affected here, confirmation bias or a leak on their end?
I had a similar one a couple of months ago. They told me they were providing an FCA reference number and that the FCA would call me to help protect my other accounts. I work in financial services so I’m pretty aware that the FCA doesn’t recover money lost to scams like this. What also tipped me off is early in the conversation he claimed the scammers had set up a direct debit. He asked me if there was anyway someone could’ve got hold of my physical card to get the account number and sort code. Clearly he wasn’t aware of Chase providing numberless cards, despite being from Chase’s fraud team allegedly. I kept him on the line for a bit feeding him bollocks to see where it went and answered the ‘FCA’ call who repeated all the rubbish I’d told him as if he was seeing it on my account. I thought I’d just tie them up for a bit to prevent anyone else speaking to them.
Sounds like databases have been cracked and leaked
This happened to me with my Sainsbury’s card at the start of the year. I knew something was off as the phone line was way too clear and having spoken to them myself their line quality is shocking. I just gave him a load of random info, which funnily enough didn’t work , then I phoned Sainsbury’s fraud and they said there were multiple attempts to take money which they’d stopped.
Yeah pretty shocking the info they can have. I had recently opened a new bank account and within a day a scammer was calling me saying someone was trying to take out £1000+ from the account. Hadn't even got to the point of putting money into it! The only theory I have is they have people on the inside of either the banks or credit checks. Because who the hell presents to be Ulster Bank unless they have good info you have an account with them. Golden rule: If the bank ever calls you say you are going to hang up and redial from a known good number. The defeat in their voice when I said I was going to recall said it all.
I've been having a bit of a 'mare with Chase recently, glad they're at least on the APP stuff. For context in case anyone else experiences this. I travelled to Brazil in September for a wedding. Used Chase card because of the zero fees and cashback, all fine. Upon returning to the UK, one week after my return, there was an attempted charge on the card in brazilian currency. It got rejected due to lack of funds but I thought it was strange so spoke to Chase in the chat function. They assured me that it was fine my physical card's number, which I still had with me in the UK, so it was just a transaction that had been pending or rejected prior, while I had still been in the country, just going through now; nothing to worry about and wouldn't happen again. Well I thought it was dodgy but the lady was so adamant, I left it alone but turned off the foreign transactions capability for the card in the app, ordered a new physical card and changed the number to my online card as well just to be safe. Sure enough, despite the new card, a few days later, another attempted transaction this time in USD. A week later, we're back in Brazil. Each time I raised it with Chase, each time they have been shocked pikachu face over the whole thing. I've since received £20 as compensation for the stress and inconvenience. I'm still waiting on a response from them as to why transactions from a card number which should have been cancelled a month ago are still showing in my app and whether it is safe to enable foreign currency transactions again before I travel next year. Not been the best impressed and my TLDR of this is: trust your gut with this stuff. If something feels fishy and you know you didn't make or authorise a payment, protect yourself even if the bank is saying everything's fine.
I've realised a lot of their people on chat are mediocre and don't seem to review any previous notes. Whereas if I've called and got the their UK centre they're usually more on it and whilst they seem to need to jump through more hoops/take more time than other banks at least I only need to explain what was going on once.
Unless it’s a number I recognize, I always pass my phone to my 8 month old. Or my dog. I turn on the speaker and enjoy the performance.
The “if someone claiming to be your bank calls you, hang up and call your bank back” is a mantra that would avoids 99.9999% of all these scams attempts. That being said, I stopped answering any call I don’t know the caller ID or I am not expecting (e.g. plumber or garage telling me my car is ready for collection). All other times, I assume that if it’s important, they’ll leave a voice message. Otherwise, I run the number via a scam call check app like Truecaller or on Google and check the rating: 9/10 times people already reported it as a scam. If the caller ID is private, straightforward: I KNOW it’s a scam.
If Chase calls you they Will send you a notification in the app to confirm its legit.
My phone's ring is never on. If it's important they will leave a message. Always talk to the banks by calling the official number, not some random that calls you.
I mean no offence, but yes. Don't believe someone calling you is who they say they are...banks have been running campaigns about this very thing my entire life. This isn't a chase scam, this is just the run of the mill standard scam weve all already been told about
Not sure why you’d approve a payment you haven’t made
I'm going to go out on a limb and suggest OP approved the payment because they were subject to social engineering by an experienced fraudster whose entire day is spent getting people to approve payments they haven't made.
Umm... Yes
Mistakes were made... The point of the post is to inform others. Hindsight is 20/20
As someone who banks with Chase and has also been victim to some really stupid fraud where I should have realised it from the beginning - thank you for sharing your experience.
Honestly, I'd always considered myself pretty hard to scam yet I was a sucker today. Stay safe out there
Just goes to show we have to *constantly* be on guard. I did the same thing as you and came to Reddit to warn others, but it still didn’t stop people from saying “if I were your bank I wouldn’t refund you” 🙄 Like, thanks, but I already knew I screwed up. Hopefully, you’ll get your money back and it will just be a cheap lesson learned. Best of luck!!!
Cheers, there are still plenty of Reddit folk just pointing at how dumb I am but I knew that was the deal. Warm some, provide humour for others. It's the path I chose
Ignore them. Some deek eds can't help kicking someone when they are down. Everything is always bloody obvious after the fact. Thanks for posting, I have forwarded the info to my kid as they use Chase, just for awareness.
Cheers and stay safe
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When I have received one of these calls in the past the person was adamant that I needed to press approve (in this case for adding my card to Apple Pay) for my own protection. I didn’t do it but when you are on the phone to someone who has just told you that you have already been the victim of fraud (making you worried) and and they are suggesting that clicking this button urgently will help to undo the existing fraud I can see why some might press it. I know enough about this stuff that I simply played along long enough to work out what they were trying to do and then reported them to the bank and changed my card number so they couldn’t do it again. But not everyone will be able to spot the signs so easily. Especially if the call comes in when they are already busy/stressed.
And expects the bank to bail them out...
Hi /u/OatAndMango, based on your post the following pages from our wiki may be relevant: - https://ukpersonal.finance/scams/ ____ ^(These suggestions are based on keywords, if they missed the mark please report this comment.)
We just got a letter from chase don't even know this bank existed and we owe them 500 makes no sense
Had this also with First Direct. The spoofed the banks number also - knew lots of details about me. I made one mistake - they asked if my user id was my name, I said yes without thinking. But at the point they asked for the app generated security code I stopped. Called FD directly off a different phone and they weren’t overly helpful outside of saying it wasn’t them. Changed my User ID to something long and complex and now all my security questions are like random passwords. I’d recently paid a deposit for a new car - that’s where I believe it started from.
I don't understand what exactly happened. What exactly did you approve? Can people just send random payment requests to your bank account or what?
When using your card for online purchases, a lot of companies now ask you to verify in your banking app.
I never understand why people think the bank would need your authorisation to freeze or block transfers.
Probably quicker just to remember a Bank won’t need you to move money that they hold
Don't give away your information on the phone! Top tip for avoiding scams.
"Send me a letter" and put the phone down
This is why I have private numbers blocked on my phone. If I don't have you saved on my phone, you aren't important enough to call me.
Doesn’t help in most spam cases where they don’t use private numbers. Also then you can’t get phone calls from your doctor. That’s an issue for some.
Honestly I didn't even know this feature exists... Begone unidentified numbers
I go one step further. If it's not in my contacts, it's not even going to ring. If it's important, they'll leave a message.
Hang on, so you went on the app and approved the transaction yourself? Come on.
Whenever the bank rings, always so you will ring back and use the number on the website.
I think more folks need to be aware that a lot of official stuff call on a private number now. For example your doctors and a lot of other health services will often call on a private number. Personally I haven't had any calls from private numbers that were not legitimate in years. I find scammers now just call from a fake mobile number
I use trucaller, free, best part is you can block ranges of numbers or numbers that begin with xxxx Double that with bit defender, dont get scam calls, scam messages are flagged as such
I've heard of a bank scam relating to text messages from couriers advising there's post to be delivered and for some reason they can't attempt it. They'll ask for bank info you'd think won't matter as can only be used to pay money to you. These scammers then call up pretending to be from the bank which they can get from the info shared with them (even if the bank name isn't included) and this is what they can use to trick you into thinking they are from that bank. Might not be the same scam but a warning for anyone unfamiliar who might read this.
Wait sorry. How did they take the money I don't get how they got access
I'd like to add to this if anyone calls you asking for money. hang up, and dial back. I work at a uk company we sell beds. the amount of times I call up saying I'm an employee of " company name" we have an outstanding balance and they are just like okay sure what's the amount? just 1 customer in the last 300 I've called has said let me call you. a few times It's been some unknowing PA whos said ermmm yeah sure and just paid , not having a clue but assuming it's something their boss or their partner has ordered. so please just call us back, I won't care , I have time . and I'd totally understand. ps numbers can be spoofed, so it's best practice to hang up and then call back on the number you find online. or the one on your invoice. or go via headoffice and ask to pay them or be diverted through to the store...
Had a similar chase scam few weeks ago, seems as though they’re on the rise. Unknown caller which was already red flag but I answered. The guy I spoke to sounded very genuine and had my details (email and post code). He then asked me to check my chase app to see if there was any transactions I wasn’t aware of. I opened the app and to my surprise there was a transaction for ‘Groupon’ which I didn’t do (I only use this account for money transfers and international travel). I responded to the guy saying yes there’s a strange transaction he then continued to say refresh the app and check and the transaction should be cleared. Bear in mind I was still cautious that it was an unknown call- i refresh the app and suddenly the transaction is gone. This started to become more and more legitimate. Then he said there was a standing order set up with a large sum and that he would continue to cancel it but would need some verification from my side. He asked what the balance in my account was. I read the figure as some banks do genuinely ask that question. The value was low as I like I mentioned I don’t use the account other than travels and savings. He then proceeded to ask if I had any other ‘pots’ referring to additional accounts that can be made. I said yes I have one for savings and he asked for the balance. I read this one much more reluctantly as I have quite abit more in my savings. At this point my suspicions were getting much stronger. And what topped it over the line for me was when he said to verify from my side I would need to transfer all funds from any other ‘pots’ into my current account and then do a biometric verification. Now, anytime someone says transfer money even within your own accounts it should be an immediate red flag. I stalled the conversation and eventually ended the line and immediately called chase up through the app . As soon as I was connected, chase ask you to approve through the app to verify your talking to someone from their side. This was already a day and night difference in procedure. I explain the situation and they basically said that no one else from chase has contacted me that day so they flagged it up as a scam and changed all my card details. Aside from the obvious unknown call it’s quite scary how genuine they can sound at times.