Barclaycard fraudulent phone call this morning

BillN_33

BillN_33

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A guy called me this morning, english accent, well spoken etc., and said that he was from Barclaycard and that they had discovered what they thought was a fraudulent transaction on my Barclaycard ending in the following 4 numbers, (he knew the last 4 digits of my Bcard), for £270, (from a web site Saver Plus in Glasgow), asking me if I had made this transaction. I said no and he then said we need to cancel this and I will send you a text with a six digit code which you need to give me to cancel this payment. I then got a text with exactly the words Bcard use when you authorise a normal Bcard payment with a six digit code. He then asked me for the six digit code, I said but this code is to authorise a payment and I am not making a payment…….. he kept on several times asking me for the code saying it is a payment back to you …….. I said no way etc., etc., …. It’s a payment.
The conversation ended in him saying give me the F…….ing code ………..I said that I’ve just reported you to the police and he disconnected the call.

No phone ID from him………he knew my mobile number and the last 4 digits of my Bcard …..which of course is available on the many web sites I have bought stuff from.

It was quite a “clever” way to commit fraud

I spoke to Bcard…..they saw the attempted payment and cancelled it and have re-issue new cards.



 
BillN_33 said:
A guy called me this morning, english accent, well spoken etc., and said that he was from Barclaycard and that they had discovered what they thought was a fraudulent transaction on my Barclaycard ending in the following 4 numbers, (he knew the last 4 digits of my Bcard), for £270, (from a web site Saver Plus in Glasgow), asking me if I had made this transaction. I said no and he then said we need to cancel this and I will send you a text with a six digit code which you need to give me to cancel this payment. I then got a text with exactly the words Bcard use when you authorise a normal Bcard payment with a six digit code. He then asked me for the six digit code, I said but this code is to authorise a payment and I am not making a payment…….. he kept on several times asking me for the code saying it is a payment back to you …….. I said no way etc., etc., …. It’s a payment.
The conversation ended in him saying give me the F…….ing code ………..I said that I’ve just reported you to the police and he disconnected the call.

No phone ID from him………he knew my mobile number and the last 4 digits of my Bcard …..which of course is available on the many web sites I have bought stuff from.

It was quite a “clever” way to commit fraud

I spoke to Bcard…..they saw the attempted payment and cancelled it and have re-issue new cards.



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Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
 
So he must have had all your card details and mobile number and just wanted the 6 digit code to complete a purchase
 
Eucris said:
Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
Click to expand...
They do or at least did. I was in work (North Wales) when I got a phone call asking if I had tried to make a purchase In the states a few hours ago.
 
nog said:
So he must have had all your card details and mobile number and just wanted the 6 digit code to complete a purchase
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He did, but disguised it with 5 minutes "chat"

I would think that with AI now developing at pace if the scammers can record your voice and manipulate it, this together with the other details e.g. knowledge of your basic details - the standard, "what's your DoB" etc., they will soon be able to put together a script to try to fool the Credit card "help" lines which are manned especially in the Far East.

Maybe we should all ask for new cards once or twice a year ......... which may help

Certainly stop "saving" card details on web sites we buy from
 
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Eucris said:
Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
Click to expand...

What do they do if they suspect a fraudulent transaction?

I'm sure that I have received calls from Barclays in the past asking if I have made a certain transaction - maybe I'm wrong, but I now know to be very careful
 
Eucris said:
Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
Click to expand...
They do, I had one earlier this year.
 
BillN_33 said:
He did, but disguised it with 5 minutes "chat"

I would think that with AI now developing at pace if the scammers can record your voice and manipulate it, this together with the other details e.g. knowledge of your basic details - the standard, "what's your DoB" etc., they will soon be able to put together a script to try to fool the Credit card "help" lines which are manned especially in the Far East.

Maybe we should all ask for new cards once or twice a year ......... which may help

Certainly stop "saving" card details on web sites we buy from
Click to expand...
Re Amazon Prime you have to have a card number held and it has to be your debit..not credit card.

I don't know if I'm helping myself or not but when I access my financial websites I never tick the box 'remember me".
 
JohnC6 said:
Re Amazon Prime you have to have a card number held and it has to be your debit..not credit card.

I don't know if I'm helping myself or not but when I access my financial websites I never tick the box 'remember me".
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My Amazon Prime is connected to my CC
 
BillN_33 said:
My Amazon Prime is connected to my CC
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My wife has the account and can 'family share' it and I'm sure I had to have my debit card as the 'default' payment. Maybe I've got that wrong then and could have chosen my credit card.....for Section 75 protection over £100 value. I'll check that.
 
Some years ago I had several transactions pop up on my card statement, before online banking, called the bank in a panic only to be told not to worry apparently they knew about fraudulent transactions on cards ending with the same last 4 digits, a new card was issued and a new-correct-statement issued. But if they knew that problems were happening why not just issue a new card to every person concerned?
 
Son in law has Amazon prime but his credit card linked to that has a very low limit, it curbs his spending, and helps stop fraud.
 
JohnC6 said:
Re Amazon Prime you have to have a card number held and it has to be your debit..not credit card.

I don't know if I'm helping myself or not but when I access my financial websites I never tick the box 'remember me".
Click to expand...


Amazon only have my credit card details, not my debit card.

They're the only place that has my details stored.
 
JohnC6 said:
Re Amazon Prime you have to have a card number held and it has to be your debit..not credit card.

I don't know if I'm helping myself or not but when I access my financial websites I never tick the box 'remember me".
Click to expand...

BillN_33 said:
My Amazon Prime is connected to my CC
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JohnC6 said:
My wife has the account and can 'family share' it and I'm sure I had to have my debit card as the 'default' payment. Maybe I've got that wrong then and could have chosen my credit card.....for Section 75 protection over £100 value. I'll check that.
Click to expand...

IIRC my Prime membership is tied through my registered CC not a Debit Card.
 
Box Brownie said:
IIRC my Prime membership is tied through my registered CC not a Debit Card.
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ancient_mariner said:
Mine too.
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And personally, I may have had to register my CC at Amazon but IIRC that is the only site I have done so.

I would never link my Debit Card to anything online!

Oh. and I don't have any banking app on my mobile and never do anything 'banking' on it..........plus I never buy anything using my mobile online when on open access WiFi hotspots.
 
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yep literally had the same type of call last year for my capital one card, it started with what you have said but then moved to security questions, date of birth , during the conversation i loaded the app on my phone and said i cant see anything, he said we have hidden the payment for security or summat like that. i decided then it just didn't feel right, i said to him well if you have stopped it i am happy and he just wouldn't have it pushed for me to give my DOB and stuff, i just put phone down.
 
Eucris said:
Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
Click to expand...
Both of my current banks do - the one that didn't is the one I no longer bank with after someone ran amok in Sao Paolo in bars for about 3 weeks (and it took 3 months to sort out the initial chaos & a further 6 for them to stop attracting the fraudulent charges to my account - and they wondered why I wasn't happy & left).
 
My Amazon account is set up using a CC. I have a CC that only gets used for online shopping.
 
so never answer a call that registers "no caller ID"
and
Delete your DoB from all Forums that you are on
 
Hmmmm TP is a fairly accessible site do you really think you should be discussing details that might ? Be helpfull to fraudsters ???
 
The text message with the six number code did of course come from Barclaycard - the fraudster used my BC while he was on the phone to me and the transaction automatically sent me a text message from BC to confirm that transaction - he said that the text message was to confirm that a refund could be paid, (after he had tried to convince me that he was investigating a fraudulent transaction), although it stated that it was to authorise a payment, he saying that it was to authorise the payment back to me.
 
There are phone settings that direct unknown numbers straight to voicemail

On iPhone its Settings/Apps/Phone/Screen unknown callers/Silence

from a guy on another Forum
 
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BillN_33 said:
The text message with the six number code did of course come from Barclaycard - the fraudster used my BC while he was on the phone to me and the transaction automatically sent me a text message from BC to confirm that transaction - he said that the text message was to confirm that a refund could be paid, (after he had tried to convince me that he was investigating a fraudulent transaction), although it stated that it was to authorise a payment, he saying that it was to authorise the payment back to me.
Click to expand...

Personally I would have hung up as soon as he said "FRAUDULENT TRANSACTION"
 
Box Brownie said:
And personally, I may have had to register my CC at Amazon but IIRC that is the only site I have done so.

I would never link my Debit Card to anything online!

Oh. and I don't have any banking app on my mobile and never do anything 'banking' on it..........plus I never buy anything using my mobile online when on open access WiFi hotspots.
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My bold: I was a bit bothered tbh. I've just changed it. I'm sure I tried once before and nothing happened.
 
BillN_33 said:
so never answer a call that registers "no caller ID"
and
Delete your DoB from all Forums that you are on
Click to expand...
Apart from the fact most of the spam calls I have had of late, all show a number. By the same token my Doctors if they ring me it shows "no caller ID"
 
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Eucris said:
Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
Click to expand...
I've had genuine calls regarding potential fraud on different credit cards with varying levels of stupidity, in one case the phone call was automated and advised me they suspected fraud and to call the CC company using the number on the card which is the correct way to do it (and they were correct, there was a fraudulent transaction). In another case the call was genuine but the person phoning didn't seem to understand I wasn't providing anything to them since I couldn't verify who they were. I then phoned them myself and found the call was genuine and there was an issue.

Regardless of whether you think the call is genuine or not, I'd always advise hanging up then getting in touch with the credit card company through their official phone number to ensure you're speaking the CC company.
 
JohnMcL7 said:
I've had genuine calls regarding potential fraud on different credit cards with varying levels of stupidity, in one case the phone call was automated and advised me they suspected fraud and to call the CC company using the number on the card which is the correct way to do it (and they were correct, there was a fraudulent transaction). In another case the call was genuine but the person phoning didn't seem to understand I wasn't providing anything to them since I couldn't verify who they were. I then phoned them myself and found the call was genuine and there was an issue.

Regardless of whether you think the call is genuine or not, I'd always advise hanging up then getting in touch with the credit card company through their official phone number to ensure you're speaking the CC company.
Click to expand...
^ in bold for sure in all cases.
 
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Eucris said:
Banks and Credit Card companies do NOT phone you to tell you that there has been a fraudulent transaction on your account.
Click to expand...


Unfortunately, they do contact you.
Last year, we had a random phone call, to tell us that there had been an attempt to make a payment from our credit card. I hung up, then contacted the phone number on the back of my credit card (which we are advised to do). I told my bank - Nationwide - about the call and they said it was genuine and that they would have to cancel my credit card and reissue it, which they did, it took around three frustrating weeks in all.
I queried why they had contacted me by phone and they said in circumstances such as mine, it is the only way they could contact me quickly. They refused to say why programmes such as BBC Scam Interceptors, tell us why our banks will never contact us by phone when in fact they do.
I also contacted Scam Interceptors to tell them this and they never replied to me.
 
JohnMcL7 said:
I've had genuine calls regarding potential fraud on different credit cards with varying levels of stupidity, in one case the phone call was automated and advised me they suspected fraud and to call the CC company using the number on the card which is the correct way to do it (and they were correct, there was a fraudulent transaction). In another case the call was genuine but the person phoning didn't seem to understand I wasn't providing anything to them since I couldn't verify who they were. I then phoned them myself and found the call was genuine and there was an issue.

Regardless of whether you think the call is genuine or not, I'd always advise hanging up then getting in touch with the credit card company through their official phone number to ensure you're speaking the CC company.
Click to expand...

Exactly what happened to me, wish I had read this post before posting.
 
Question for the experts - Is it more secure to use the credit card on our iphone, (self and wife), rather than the physical card for face to face purchases?

I always use my iphone - my wife always uses her card
 
BillN_33 said:
Question for the experts - Is it more secure to use the credit card on our iphone, (self and wife), rather than the physical card for face to face purchases?

I always use my iphone - my wife always uses her card
Click to expand...

We never use phone banking, my wife knows of a couple of people who have been scammed after using phone banking. Unfortunately there is a rush to enforce phone banking, particularly in restaurants.
 
I can't remember when I last used my debit card other than to draw some cash out, there's no way I want my main account exposed. I've got an additional bank account with a different bank that holds a small balance and I can prefund and use if necessary where credit cards aren't accepted (such as Costco), or for when giving out bank details for receiving money.

Otherwise, I use the credit card for everything where possible, whether it's online or in person. It's safer, you've got more consumer protection, it's initially the bank's money and gives you time to check things before you actually have to pay, online credit card transactions now show immediately with popup alerts, it also helps your credit rating and it's free (obviously you need to clear the due balance each month to avoid the interest). It's a no brainer really.

I've been tempted to look at something like the Barclaycard Avios, maybe get a free flight!
 
BillN_33 said:
Question for the experts - Is it more secure to use the credit card on our iphone, (self and wife), rather than the physical card for face to face purchases?

I always use my iphone - my wife always uses her card
Click to expand...

You're far safer using your phone - assuming you use Apple Pay or Google Wallet:

Virtual Account Numbers (Tokens): A unique digital number replaces your real card details for every store or online purchase.
Hidden Details: The store or person receiving your payment never sees your real card number or name.
Device Security: Your phone requires a lock screen, PIN, or fingerprint scan before a payment can go through.

You get none of this if using the actual card.
 
andya700 said:
We never use phone banking, my wife knows of a couple of people who have been scammed after using phone banking. Unfortunately there is a rush to enforce phone banking, particularly in restaurants.
Click to expand...

You're far more likely to be a victim of fraud if you use your physical card than your phone. Beware, especially, of the "Can I just take your card, we only have one machine and it's behind the counter" trick when your card will likely be cloned.
 
Beetnik said:
You're far more likely to be a victim of fraud if you use your physical card than your phone. Beware, especially, of the "Can I just take your card, we only have one machine and it's behind the counter" trick when your card will likely be cloned.
Click to expand...

Do you honestly think I would let someone out of my sight with my card?
 
I get a text from Virgin Media or Capital One when i get a fraud attempt and also an email follows the text up.
It usually just says to contact them if i have a concern but i haven't needed to in yearas, when i was with the halifax bank they used to call me.
 
andya700 said:
We never use phone banking, my wife knows of a couple of people who have been scammed after using phone banking. Unfortunately there is a rush to enforce phone banking, particularly in restaurants.
Click to expand...

not sure there is a rush to enforce anything, contactless is simply safer and more efficient for business's and as people have said it gets rid of the whole PIN issue which is a weak link especially in business with a high staff/trust turnover.

Personally me and the wife haven't used a card in a physical store for ages we just have our daily revolut cards and a CC on our phones for mobile Android Pay.

once in a blue moon the card has to come out to do a PIN check and thats it.
 
BillN_33 said:
Question for the experts - Is it more secure to use the credit card on our iphone, (self and wife), rather than the physical card for face to face purchases?

I always use my iphone - my wife always uses her card
Click to expand...

way more secure to use a phone to pay contactless, with phone pay google doesn't actually use your card it creates a one time virtual card just for each payment and does the hand off to your card in the background, the merchant just receives "the payment" ,, when you PING your card physical contactless the merchant then process's the payment with the bank as the hand off.
 
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