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I'm a scam prevention expert and I got scammed

lupinia.net

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Re: I'm a scam prevention expert and I got scammed

#181

This speaks more to the incompetence of supposed experts and less to the sophistication of scams.

Agreed. I wish someone would try this level of attack against me - I'm 99% sure I wouldn't have fallen for this particular one, but how can I truly know without going through it? Anyways, I am extremely aware of caller ID spoofing. I use it myself to show a usable callback number on a VoIP outgoing-only line. And the 2FA - I would be incredibly reluctant to give a code over the phone, even if I had initiated the call…

I honestly got this exact same scam happen to me, and probably came 50% of the way through falling for it. Especially since it happened just a few weeks after I had actually had my card compromised, and used for fraudulent transactions.

I got the same text about "confirming fraud transactions" and then a phone call from "my bank". I nodded along at his script for a few seconds, before I remembered the constant, unending advice of: "if your bank calls you, hang up and call back on the fraud number listed on your card". I told the person I'd do exactly that, and hung up.

I then checked my card account and confirmed that there actually weren't any fraudulent transactions, so didn't bother calling.

That said, I can absolutely see a world in which a tired or otherwise frustrated me would just follow along the script, and with a similar background to the author (I'm not a security professional, but I work in fintech and on security-adjacent things):

> I also find it entirely plausible that Apple (or Google) would require a bank to jump through these kinds of hoops in order to remove a fraudulently-added payment method from someone's account, and that Wells Fargo's system would be so janky and sloppily-built that this is the least awful way they could figure out how to do it.

This honestly resonates with me as a plausible thought path. I'm pretty confident that I wouldn't have actually provided the two-factor code, but again, everyone has off days, and everyone makes mistakes. That's the core of all of this, that endless refrain: defense has to work 100% of the time, offense only needs to work once.

Re: I'm a scam prevention expert and I got scammed

#182
post #21

There's one easy rule that could have avoided all of this - never give out any info on incoming calls. If I get a call or text about fraudulent transactions, I'll keep them on hold while I log into the bank website. If I get a call about a late payment, I'll thank them for the info and ask them to stay on while I pay online. If I get an inbound call with a more complex request, I'll ask them for their employee info a…

Agreed. It’s easy to play Monday morning quarterback, but the author of this article made some pretty big blunders for an expert.

Re: I'm a scam prevention expert and I got scammed

#184
Is that "Verify your card in Apple PayⓇ" email real/non-spoofed? On that email's screenshot there's a huge red flag as with other 99.9% scams: bad punctuation. Nobody writes "number:" (1:, 2:, 3:, ...) for lists in English. https://writing.stackexchange.com/questions/5680/is-it-ok-to...

Re: I'm a scam prevention expert and I got scammed

#185
post #40

Earlier quoted context omitted.

Yeah, you hear about this with the people who get taken in by Grubhub or whoever that's spoofing a restaurant's phone number/ordering site. I would never take a third-party source as authoritative, but apparently people do it.

I never take restaurant phone numbers directly off of Google, I always check their (hopefully existent) website before calling, or at least crosscheck it against other sources. There is no way Grubhub or any of the other mediating greedholes will get even Caller ID data from me if I can help it.

Wait until you find out that Grubhub and ilk have been known to prop up fake websites for places.

Re: I'm a scam prevention expert and I got scammed

#186

Earlier quoted context omitted.

Amazon today is a street side flea market. You really don't know what you'll get. I've started ordering more stuff from traditional retailers. Their online operations these days are really good, and at most a few dollars more than Amazon. Clothes from macys.com, home goods from homedepot.com and target.com, and so on. You're not flooded with choices with these stores that are mostly garbage, instead you get only 1-3…

This seems to be the classic underdog problem. The traditional retailers that you like today will become third party marketplaces tomorrow if they grow. So the issue is that we only get good service from underdogs and it is destined to fail once the underdog is not an underdog anymore.

That doesn't follow. Just because an online retailer grows it doesn't mean they have to start allowing third-party sellers. In fact, seeing what is happening to Amazon's reputation, that seems like a bad long term move.

Short termisum might win out, but it is not a foregone conclusion.

Re: I'm a scam prevention expert and I got scammed

#187

> if it was a scam, then this was clearly a bluff to try to reassure me, but he had WAY more information about me than I would expect an average scammer to have you can purchase FULLZ from darkweb marketplaces, these contain name and address and social security number and often come with credit card details too with that, you can do social engineering like this, you can also remote desktop into any computer nearby to…

Be interesting to do a lookup on yourself, is there any information how you go about this ?

Re: I'm a scam prevention expert and I got scammed

#188

Earlier quoted context omitted.

Amazon today is a street side flea market. You really don't know what you'll get. I've started ordering more stuff from traditional retailers. Their online operations these days are really good, and at most a few dollars more than Amazon. Clothes from macys.com, home goods from homedepot.com and target.com, and so on. You're not flooded with choices with these stores that are mostly garbage, instead you get only 1-3…

Yep. I've been ordering from Target, Best Buy, and Walmart much more often these days. I just assume the product descriptions and reviews on Amazon are all lies.

Interesting. I would have lumped them all together. Why do you trust reviews on Target but not Amazon?

Re: I'm a scam prevention expert and I got scammed

#189
How often do you guys get calls from your bank?

I got called twice in my life, both times in response to a ticket I had filed but didn't necessarily need a response to (firstly a complaint about some new hardware authenticator that was worse than the old one (I was hoping enough complaints might make them pick a better replacement next time), secondly about phishing-but-legitimately aka Sofort which they now, two years later, finally semi-blocked).

From the post, since it mentions this being routine and normal, plus the comments here, it sounds like americans are called every month or so. Is that impression correct? Is it because of this credit card system where basically anyone with your account number has withdrawal access identical to what we use 2FA (chip and pin) for? With IBAN it's more of a money destination than a source. Direct debit exists but I have yet to see it abused, not sure how that works exactly, and definitely never got a call to confirm this or that.

Re: I'm a scam prevention expert and I got scammed

#190
post #16

Not much of an expert, caller ID means nothing. Standard procedure for everybody in the last 20 years should be: Whenever I get a call about security or fraud from the bank, I thank them for the notification and tell them I will call them back, and hang up. Then I call the number on my credit /bank card, not the number I was called from. Fortunately there is a lost or stolen cards so there is no queue time and tell t…

> Not much of an expert, caller ID means nothing They... said that: > The caller ID showed the correct name and number for my bank, but caller ID data is so hilariously easy to spoof that it might as well not even exist. Honestly, what is with the low quality comments attempting to undermine this person's credibility?

So what if they said that? I'm not trying to pile on them but the reason people are questioning their credibility is that they fell for a pretty basic scam. Even if they acknowledged that their assumptions were incorrect (knowing Caller Id is very flawed but still falling for it), it doesn't necessarily make the scam any less obvious.

Would you not question the credibility of a doctor who falls for say, crystal healing or homeopathic cures?

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