Service Scam via EMAIL
Today it's computer services, tomorrow it could be any other type of service
We get emails all the time from scammers pretending to request service from us, often based on upgrading existing computer equipment. The scam is related to their nominated "freight company" not having a credit card facility (!) so the scammer pays us with a stolen credit card and we pay the "freight company" via bank transfer. The stolen credit card will be discovered at some point and then whatever transaction we have processed will be reversed and we lose that money, however the bank transfer we make is usually gone forever, partly because all banks are careless with their customers' funds but mainly because OSKO pays the scammer in less than a minute and then the money is gone. Worse than that, the sending bank (used by the scam target) asks the receiving bank (used by the scammer) to return the funds and the receiving bank says "sorry, the account has no funds" and the sending bank goes "OK then" without asking any hard questions and then reports to the scam target that the money is gone. Yes, that's ugly, and all the banks are doing it. So if you are going to be defrauded it's best if you get done via your credit card because the bank will usually return your funds and wear the loss and that's why we are paying as much as 20% interest on our credt cards!
Email Conversation with a Scammer...
Typical launch text for the scam which is predicated around services rather than purchases which used to be the case
The credit card question arrives early in the correspondence, the scam will be perpetrated using one of more stolen credit cards
Adding the credit card fee adds a nice touch!
Now we learn about the delivery driver, he never has the ability to accept payment by credit card.....
My address has been at the bottom of every email I have sent Levi who seems to have a pre-occupation with our credit card ability
He may have been hoping for a non-Bank payment gateway, there are plenty of "non-Banks" in the world today
OK, the fix is in! We accept payment by credit card, we pay the delivery driver via bank transfer, the credit card gets reported stolen, we lose the $5000 and the bank won't be able to return the funds we paid via Bank Transfer so we end up $3400 out of pocket
I probably could have been a tad more sympathetic....
It's a very sad story, remarkably common among scammers, but a sad story all the same
$100 for my trouble, hmm, OK
They always want the credit card transaction processed urgently
Score! Now to report the stolen card
Phoned CommBank on 02 9999 3283
"Currently taking a high number of calls.....you may prefer to call back later"
90 minutes on hold last time I did this, so no thanks
Tried again on 13 2221 which got me to the same hold message
"Currently taking a high number of calls.....please hold we will assist you as soon as possible"
Stayed on hold to see how long it would take....
Called VISA 1800 450 346 while I was on hold waiting for CommBank to answer
They are trying to contact Commbank, they could not get through
Very frustrating conversation with someone who was unable to assist in any way
Back to my CommBank call on hold
Got through after 40 minutes, spoke to Tracy who was very helpful
Reported the stolen credit card details with some background infomration regarding the scam
Tracy assured me they would flag the card and followup with the rightful owner of the card
Commbank Fraud Line 1800 023 919 Option 1,1 (for next time)
I passed the test, he now knows I did try to process the transaction
I am super helpful with my suggestions...
Aww, he does not believe me!
I guess some EFTPOS terminals don't need the CVV number
Round two coming right up