He thought he knew how to protect himself against scammers. Then he lost $34,000
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- čas přidán 8. 05. 2024
- A victim of a phone scam is sharing his experience after cyber criminals used a rare deceptive tactic to access his bank account.
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"Got a call from the bank" .... that's the first problem, the bank never call you
My bank (chase) has called me 100 times lol. Big myth
@@supportmytroups7 or you are a scammer
They do for fraud. Chase does
@@supportmytroups7 Most of the people scammed have accounts at Chase. Banks don't call people.
@@yagga8885 if that’s the case and they leave a message, call back the corporate number
If you didn't ask for it, it's a scam.
No bank or any company will ask for your security code.
Exactly.
Even the bank manager does not need to know that information.
And there lies the sleight of hand the scammers use concerning this modus operandi. They will never refer to it as a "security code", but rather a verification code that they need you to give them in order to make sure that it's actually you whom they're speaking with.
Take one step further after hanging up: call the bank using another phone, not the same one you used answering the call, especially if using a landline. Better yet, just don't answer.
Yeah, better off not trusting anybody. It kind of pisses me off my over 50 age acquaintances around me are too trusting of people in general.
@@ThumbdownManfunny thing is a recent news report showed that Gen Z has a high rate of being financially scammed
@@malus1426that’s because they are more gullible and have the entitlement mentality. New generation of parents coddle their kids more so they have lack of common sense or any sense of the real world. The best thing a parent can do is teach their kids how to survive, not coddle and spoil them rotten.
Delete. Now.😮
I'm a victim to an online scam this past week. I just wish I could get my lost funds. Would you know any professionals I can speak to about this? Any help would be much appreciated.
Got scammed this past week out of 2.25 Bitcoin.
My husband and I was scammed twice last year, totaling losses over $550k. It was a lengthy process involving federal intervention to get our money back. We need more people like Retrievebackteam taking a stand against these criminals. Much love and support from California.
@@jaidenSalinas I got scammed out of my retirement money but I was new to it. thanks for sharing will definitely get in touch with them
Sorry about that, just don't understand how so many human beings can be so heartless to people like that.
Stupid character more like it. Will this ever end? "I got a call from my bank........... Banks never call you!
Not savvy enough I would have not even answered
Even if you saw it was your bank calling you?
@@chelliebean5773 Yup for sure. You can't trust anyone on a phone call. People need to educate themselves that all calls can be spoofed, don't trust any call, always call back the number on the back of your back card or on your statements. Watch out for fake websites.
@@chelliebean5773 yup 🙄 BANKS DONT FUCKIN CALL U OR TEXT U GET THAT TRHOUGH YOUR DUM BRAIN 🤣🤣🤣
@@chelliebean5773 news flash banks do t call u or text u get that through your thick skull 🙄🙄
@@chelliebean5773my bank never calls me !! I’m the only one that calls the bank.
The scary part was the scammers know the victims monies activities and amounts!
Yes, never seen one like this before
@@yagga8885sounds like an inside job.
2 possibilities, insider job or victim's device (or bank account) has been compromised.
@@shaggydawg5419it’s an inside job
@@shaggydawg5419 99.9% of the time it's the latter. There are too many safeguards & security protocols in place for a bank to allow one of their own to take advantage of their internal systems, but a data breach on those systems by outside actors can be done very easily.
If they got the info in a data breach than the bank owes all customers money
Did you watch the video? He gave out his passcode over the phone during a call which was not initiated by him.
The irony of having a portable phone is no one ever answers them anymore. When we had landlines, this was never an issue.
The scammers can still call you via landlines tho.
Omg. No financial company would need to ask for you to provide any information to fix anything. They are the company. They control their system. Why in the world would they need your involvement to fix things? Next time you get a call like that, immediately go and change your passwords.
I wish there was an easy button you can press to lock up all of your financial accounts when you detect fraud.
your last sentence "...when you detect fraud" is the biggest problem. If you look at it from that guy's point of view, he did detect fraud and tried to stop it. There is no technology solution to protect the weakest point... gullible human.
One thing in common on all those who got scammed. They all answered the phone. It's 2024, let them leave a voice message. If it's the real deal, they always will leave a message, fraudsters never do
Surprised he got any of it back
Tell them you will call them back on that number, phone companies need to do more
Or they skimmed his credit card and tracked the recent usage.
He looked like an easy target. Not surprised
👇🏽
what?
@@meeeeeeee82 👀
Always break off the incoming call, & then manually initiate the call yourself to the number on the official company website. Better yet, never answer an unsolicited call from a number not in your personal, vetted contacts.
Anyone can spoof (fake) any caller ID number. Why dont people know that?
Not everyone is trained In spoofing. Especially older people.
Why don't you teach this?😊
Most people aren't hackers like you!
Why is our phone system a free-for-all!?
Not everyone is aware... they don't see these type of news reports. I see them on CZcams because the YT algorithm sends me vids on this type of stuff, others just watch conventional media or little to no news at all and are completelty unaware of what's going on.
I didn’t know it. I have an IT background
Caller ID is useless. People really don't know that? You always hang up and call the fraud department yourself. And especially NEVER tell anyone a code over the phone. Just read what it says on the two factor authentication page: "we will never ask for this".
Except the Fraud Department actually does ask for the code. This is one of the few news reports that said it correctly, only give the code if you initiated the phone call. Alternatively, and this takes an argument and possible supervisor escalation, the Fraud Department can authenticate you by using a second phone number (especially a land line) already on file with the bank pre-fraud detection.
Blocked out. They know not answering that mess hang up leave on voicemail.
He said it would never happen to him. Well first red flag is they called him. Second red flag is they asked for a code. Your bank or credit union will not call you or ask for a code. Ever.
It’s not a data breach it’s an inside job where the scammer is working alongside current or former employee(s)
Banks don't need you to do anything at all for them to put a stop on your account. If they suspect there is a problem, they will flag it and render it inactive until the problem is resolved. They will notify you that your account has been deactivated, and you need to call them or go into the bank to get it resolved. But they won't call so you can put in a code of some sort. Crazy.
Chase fraud would send me a text stating they stopped a transaction. If i was the one trying to make the transaction I can text Yes. If not text No. Then they will void the card and send me a new one in the mail. They are in control they can shut down the system without needing me to give a code. These scammers get over because they use the element of surprise and shock. So people throw out common sense.
If you look at 0:21 of the video (bottom left hand corner), we now know where the victim works!! He didn't bother changing the information in the Zoom profile he used for the interview.
😮. I hadn't noticed that.
Ask for a case number and then tell them you'll call right back.......using the officially listed number for the institution.
Blame the banks! They ask customers for our phone numbers, and somehow scammers gets our phone numbers; so, let’s hold bank’s responsible for lost funds for customers.
They usually start out asking for random info to get you comfortable before trying to get the private info. This happened to me starting out with an email with an actual Verizon phone # link to get a discount. About 30 seconds into the call I became suspicious and hung up. I called Verizon and they knew nothing about a discount being offered to me
Banks used to call on the phone. They don't anymore. Don't answer the phone.
Used to?? They still call me all the time!
"He said the caller was not only articulate..." Ha, ha. Euphemism for caller did not sound foreign.
The fact that someone knew his recent credit card transactions almost certainly means this is an inside job. Someone at the bank (and it does not have to be his local branch) is in on it.
Once again: banks and the government will not contact you by electronic means asking for personal/confidential information.
You fell for it brah 🤔 sorry you got took. 😡😡 Damm 😮😮
FBI NEEDS TO GET THESE SCAMMERS....From where ever they are! PAY PAL CAN RETRIEVE THE MONEY BACK & THE BANK.
Stupidity has no boundaries
Banks don't call you.
those suggestions are NOT enough, the scammers can capture an outgoing call as well.
simply go into the bank physically and deal with the issue.
NEVER give out any info on the phone.
Mitigation plan: use an alternate phone number to call the Bank back. If the Bank called you on a cell phone, call them back on your landline (assumes you have one).
Don't ever give out real security code. Whenever they asked me for security code, I would look at my phone, and it says don't give that code to anybody, so I just made up a number and gave it to him.
This is like thay beekeeper movie
Nowadays, I will not answer a phone call, text message or email if I do not recognize the sender.
reimburse the bradda.
Common Sense Don’t Trust Anyone on the Phone!!
Then what's the point of having a phone?
@@bbb_888 I spelled out 4 u Dont trust anyone calling you and claiming to be from your bank!! Make sense? Simple. Streets
Also, do not trust strangers on the internet.
@@rajah3820You don't have to explain it to him. He's being a smarty pants. He'll eventually get scammed one day.
He failed to call the bank back with their branch online number and ask for the teller by name. He failed to ask the caller for the bank number so he could compare it with the real number and call back asking for the same teller.
He failed the verification test and trusted the anonymous caller.
It’s definitely done internally. a Fidelity employee has access to the history, but doesn’t have the passcode to wire transfer. like Chase bank. there’s a lot of rogue employees stealing people’s money.
This is nothing new ! Don't use your phone or computer for ANY financial transactions no matter how convenient it may be , and if there is a problem with a bank account you go to the bank and check it out in-person . These are very simple things .
I've been doing online banking & bill paying for everything for several decades now. Never a problem. Just don't be uninformed is the first order of business when dealing with computers, online connectivity, etc. Best not to use them otherwise.
@@dystopia-usa I am glad you haven't had a problem yet .
Wow!
When the wife Googled the number the call came in on and Google showed number was to the bank, did that number match the number the couple had on their own contact list for the bank? If numbers were different, or even if numbers the same, hang up! Then, call the bank yourself to report the call. Banks never call about this kind of thing. Banks never call, period. Even when on hold and due to long wait times prompt gives option to call you back, stay on hold. You never know for sure if that callback is the real thing, or some scammer who just happens to know you're expecting a call back. Never give a crook the benefit of the doubt.
Just use cash simple
They will tell you it's a urgent matter. Tell them you will call them back and hang up. Call the number on your card. Don't use a number they gave you and don't Google their number. Too many fake numbers on Google. Check your notifications on bank website. And above all NEVER give a code to anyone who called you.
I had calls showing as if they were from the tax department. I told them to land mail me an official letter with a copy of my tax summary, and indicate me to call the tax department with a file number.
I get scam calls and always hang up if they ask personal questions. The only question I will answer is when they ask me my name. Nothing more! My name is in the phone listing anyway...
I'm receiving account security notifications very often now. Microsoft is daily, but I am an Android user. Some streaming services that aren't important. And everything looks legitimate. Links seem sound. But I don't have many of the services that warn me. And then there are automated phone calls from the national police threatening to arrest me for illegal activities related to my SSN. I restart my phone and tablet daily and survey my accounts.
I don't even answer my phone anymore
Better yet, I even threw out my phone!
Set your alerts at your bank for any wire or bank transfer. I did. Thieves now can just go into your account without even calling you. Banks need more security measures. Banks don't call people.
Never give out codes or passwords of any kind what is this "unless" 2:25 these news station needs to do a better job with proper information......
Yup. There is no UNLESS. Never share your password or one time code. PERIOD.
On line banking and dating SMFH !
So he gave the code away that say don't share this code with anyone 😅
great i have to cal them back if i ever have to transfer money
Fidelity data breach sounds right. Avoid Fidelity!
Thier computer and cell phone might have malware.
That's what I think too or someone inside the company is helping the scammer. I think the latter is more likely. It's an insider job.
If scammers know all the transactions he's made by the use of malware, they don't need to call him. They can use the malware to get the 2nd factor (security code) texted to his phone to initiate the transfer.
Just them send a letter
I think that a lot of these scams are “inside jobs”. Some bank employees know which accounts have a lot of money in them and make good targets. They also have the customers name, phone number, account history (credits/debits), age, and account number. They have all the information that they need to scam you AND make it your fault. How do these scammers know who has an account and with which bank? It’s like the guy that kept giving back short change at my local McDonalds drive-thru a few years ago. He short changed me once, but I caught him every time after that. I reported him to the store, but they didn’t seem to care as he wasn’t stealing directly from them. Over time he probably stole tens of thousands from people who didn’t count their change.
Next to the Federal Government, Banks have the highest level's of security inclusive of background checks and exfiltration detection software. If you're sniffing around an account of which you don't have a case for access, that information creates a log entry that activates an alert which is observed by 24/7/365 monitoring. They test potential internal and external threats frequently. Much more likely a breach on the customers end. The most common being the customer activated email notification of transactions and their email is compromised (a lot of ways this can happen).
@@InfoSecGuardian My girlfriend has been working in the banking industry for 25+ years in BAML and FX mostly. She thinks that some of these scams are inside jobs too. It could be as simple as a teller writing down information when someone does an in branch deposit. People with much higher security clearances, have gone through much more detailed background checks than bank employees, have been caught doing things that they shouldn’t. Of course, phishing is another way to get information, but I don’t think that it’s nearly the only way. It seems like many of these victims are specifically targeted.
With Chase I get a text asking if I am the one who is making a purchase. I know people are hard on Chase. I am give a choice if it's me text Yes if not me text No. Once I text no they will put a hold on my account then change my card number. American Express wrote me to say there is a purchase of two tickets to South Africa and if I made the purchase. I told them no. Not long after that they had another attempt purchase of airline tickets with my name as a passenger on both flights. This time American Express did not approve the purchase. If I see my bank calling me I let it go to voicemail. That way I save myself anxiety from doing something stupid if I am no the phone.
Wow🤮🤮🤮
Don’t worry they sent it all to Ukraine.
Fidelity owes him. They allowed scammers to access his account info BEFORE he gave them a code. Banks want to let themselves off the hook but they’re not keeping our private and confidential data adequately secured.
These “journalists” need to stop being scribes for the monied interests and instead advocate for regular people being harmed by poor information security practices at major financial institutions.
I could easily make millions stealing from older people if I wanted too. They grew up in a different time. You can easily social engineer any normal person in this day in age especially older people.
Don't use cards for money!
Bank Local!!
🙄 banks dont fuckin call u