It REALLY was genuine. Unbelievable (Ironically).
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- Опубліковано 9 лип 2024
- The original video: • This should NOT be hap...
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The irony is not lost on me. I’m a Infosec specialist and had similar with a bank when I was on a train and refused to have such a conversation in a public space (nor a private space either). The only argument for receiving such a message request is if I phone them first and got the message as a part of the conversation. But the point still stands. Banks shouldn’t cold call asking for information.
People will go back to keeping their money in a box under the bed again soon. It could actually be safer.....😂😂😂😂
This problem is solvable with a small change in procedure, and almost zero cost, and is very close to 100% secure.
@@wendywhitter2768for the almost nil interest on a bank account at present, keeping it stashed at home is a good idea. Pay your bills in cash, deal in cash as much as possible, and have instant access to cash at any time👍
My bank always says on its website that they will never call for information
So does mine - but they do.
@@hasyourgulaggotplanningper2459 Exactly. Then they get upset because you refuse to give them any info. Also, they can't seem to be bothered to use their secure messaging system.
@@hasyourgulaggotplanningper2459 My bank sends me a txt message if there's any thing going on I should know about.
My bank called once to offer me a new account. I said no and hung up. A few weeks later I went into the branch to open that exact type of account. In conversation I mentioned the recent call and the man smiled and said “I was the one who called you”. He assured me that I had been correct to hang up and arrange it in person.
Seems a classic "do as I say rather than do as I do" scenario with the bank in question. Priceless 😂
The loss of doing business face-to-face has contributed to this type of cyber fraud. Gone are the days when you know who you are talking to and you shake their hand.....
I'm lucky enough where I can walk to my bank and look somebody in the eye. I also like to use PayPal to put a wall between me and the other party. I cancelled Chase after I got a false charge for something like Uber from south America while being in the states once and when I call the fraud number to dispute it an employee argued with me about my alleged attempt to defraud the bank. I then cancelled my account which put a supervisor on the line who apologized but I told them the account was still cancelled and I would never do business with them or recommend them. The supervisor whined about but they are reversing the charge. I said anyone who would hire and retain an employee who thinks people travel half way around the world to make a single fake Uber charge isn't smart enough to handle money; click.
If the bank is breaking its own security guidelines then I wouldn’t feel comfortable leaving my account with them😮
Wouldn't that then imply they are breaking GDPR rules? If so, were they to be reported to the regulator, they could be in serious trouble
I've had the bank call me and ask for security details. I always ring them back on the number on my debit card. But it is ridiculous that they call you, despite saying they never will ask for security details.
Be careful with doing that. If it's a scammer calling on your landline and you call the number on your card on the same phone, they can trick you by not ending the call their end. They then mimic the switchboard and you end up talking to the scanner again, not realising it's still the original call.
I've never had a phone call from my bank. 50 years.
I got scammed through the exact same technique you're describing. Thankfully the scam was discovered quickly and monies were returned.
You had the best reaction possible, today no one is too careful !
The Swiss police keeps repeating the same advice : do not give any code or information about your bank account to someone calling you. And there are still reports in the news about people who gave the informations and lost what was on their bank account.
Thank you for the update. Recently I was in shock and gave out too much information. None of my money was at stake but the difficult person caused a problem for someone else. When I get a call in normal circumstances and the caller doesn’t verify who they are talking to I say nothing and hang up. I was nearly caught once by fraudsters but instead of following their instructions I called my bank and my money was safe. I was alone and my account was full to pay my taxes so I was scared. They tried to bully me and lost.
Ultimately they should reopen branches where you can walk in, and each party can be sure of the identity of the other.
That is a massive cyber security blunder from the bank. If that is how there front end process is i would hate to see the mess that will be the back end.
Exactly this happened to me a year or two back with my own bank (HSBC). Young woman became incredibly defensive when I said I wouldn't answer her security questions "Of COURSE I am who 'I say I am, why wouldn't I be?" suggested to me an incredibly naive or almost arrogant lack of awareness of the current world we live in. She had a real reluctance to work with their own secure messaging system which is what I asked her to use. As it turned out, I ended up having to phone anyway but at least it was me calling them on a number found inside my logged-into account online, which was likely to be ok.
You are right to be suspicious. It is too late if it was a hoax or information gathering. I wouldn't have given them squat.
I'm in Australia, Telstra does this if they are contacting you, I refuse to adhere to this and usually its someone from overseas calling which makes me double down on my refusal.
I have always refused to give any security details on incoming calls. I have even blocked the bank's number because it can be spoofed.
Too bad the bank doesn't know this or just doesn't care.
I did get a phone call a couple of years ago, just before Covid.
They phoned up and asked me... OVER THE PHONE for a couple of numbers of of my password... I was like "You wot, mate? No!". She was most put out I must say until I asked her to prove that she is from the bank and tell me the first number from my password.
She got a bit shirty with me and said that she couldn't do that because she couldn't confirm who I was.
My response was "Exactly".
I hung up after that. Not had a call off them since.
I got a similar call from DWP, when starting to claim my pension, wanted to confirm address, DOB, .etc. I was told if I didn't give it, this would delay my pension
The bank is incompetent LOL.. I'm with you BBB, never give any information to anyone, unless you're absolutely sure who you're talking to..
That was a stupid move of the bank to do that, especially when they tell us not to accept this in their scam warning guidelines.
The last time I had a phone call from the bank I rang them to confirm that they had phoned me.
As it turned out they had not. Simply ring the bank if in doubt.. they are more than happy to give you any advice ..
Why would the bank ask for your details . When they have them already.???
Never throw anything in the bin that has any of your details on no matter what it is burn it. Don't throw it.
Agree completely! It is always a safe thing to do. Just because we are paranoid doesn't mean the 'bad guys' aren't out to get us. ;-/ Clue: 'Better safe than sorry'.
Agreed but sometimes one bank department doesn't know what the other is doing.
@@applelover98 Sometimes?
I was in the local branch where I bank and was amazed to notice that there are no more tellers. You need help and a 'consultant' will take you outside to the ATM to help you. I am almost 75 and am not that tech savvy. 😡
Thanks for the update!! I also had steam coming out of my ears over your son’s caretakers on his travel to the Continent!! A bit disorganized when having kids in their care!! I would’ve needed a tablet of some kind.
The other day this exact process attempted to scam me. I’d seen your video - thank you 🙏 I asked them to use the in-banking App Messaging function. They wanted to SMS. I ended the call. The bank told me later it wasn’t them. Stick to your security ‘guns’ they really are out to get us (including the banks it seems 😳).
In Canada, the banks are not allowed to contact clients by phone. They have to contact clients through REGULAR MAIL ... not email.... nor phone.
It strikes me that the most sensible/secure way for the bank to ask for such information would be to text you in order to point out that there was a message waiting for you on their website and request you to log in securely (using your usual methods, rather than any links/codes included in the text) in order to view it.
I do exactly the same thing. I give no information over the phone...EVER! If my bank has a question for me, I tell them I'll call the bank back. If they're legit, they're happy for me to do so. They want to argue with me, I hang up. I do it with everyone who wants info about me.
The Banks staff are getting confused and only seeing things from their own viewpoint. They know they are the bank and a more honest and upstanding person doesn't exist - so they call a customer and expect to be fully trusted. "How could anyone doubt me! I've worked here for years. Now - let's make sure you are who I think you are". Then again - if a scammer should call you - well, that's not me is it - so you shouldn't tell them anything - it's obvious. What part of this don't you understand?
Better safe than sorry!
Oddly, I'm not surprised because my bank did the same thing. They rang me and asked for a number of my details, for security purposes to be sure it was me. My response was that they had rung me so knew who I was, but I had no proof of who they were. And in fact I had exactly the same thing a couple of days ago, with an insurance company - who rang off when I gave the same reply. (I'm fairly sure that both were genuine, but still would not give my details.)
I always do exactly the same. I politely terminate the call then call the bank on their official number.
Who was the bank? Name and Shame!
Your suggestion is correct in that the bank should be named and shamed but obviously BBB can't name and shame the bank as he would be telling the whole world with whom he banks. However I do hope that he visited the bank personally, asked to see the manager and pointed out the bank's appalling breach of it's own policy regarding making contact with its customers.
@@peterjameson321 I guess that's true, yes. And changing banks just to be able to blame them seems overboard, too.
I've had calls for years from my bank doing exactly what they say they will never do. They call me and ask for my details for security. I tell then for security reasons NO. Then I ring my bank and they confirm that it was them, usually it was some marketing department!
It’s ridiculous that the bank warns you against giving out personal information, then turns around and phones you, asking for personal information!!! No wonder the world is in the state it is!!
It really is ridiculous practice by the bank
KYC. [Know Your Customer] The Caribbean financial industry (UK jurisdictions are now affected) has been saddled by the European Union (EU) AML/CFT. Citizens and banking clients are constantly asked to update personal information which includes source of income.
I got a phone call a few years ago, from a man saying he was from my bank, asking if I was happy with the service at the branch., and was there anything I needed. I told him I don't discuss banking with random strangers on the phone and ended the call. It may have been genuine, but doesn't seem a very sensible way to do business. It won't happen again, because I've just been notified that they are closing the branch and my nearest will be 10 miles away.
And it would be so easy for the bank to leave a message or say, "call the number on the back of your credit card or log on to the bank's official website and check your messages."
About 6-8 yrs ago I had an email from my Bank asking me to follow a link to something or another. i can’t remember every detail but it was to do with security. So anyway, i went up to our local Bank and explained i didn’t want to follow the link but could they tell me if it was really them trying to contact me. And it was! It is no exaggeration to say that they told me off for not following the link. You can imagine my bewilderment and response, although in hindsight i wish i had kicked up more of fuss and demanded an explanation.
Repairing a car the clerk at the body shop wanted a whole raft of information just to get the code off the DVLA site. It was certainly their process but I said I will give them the code and that is what DVLA also support. I was disgusted that they wanted to effectively impersonate me. In addition, UKGDPR for sure a myth to some organisations
Hope I catch bbb, just had mine and all the parents data at our Nursary leaked, they emailed all the parents their entire database of government funding application forms with obviously sensitive data, I tried approaching them about it but they trying to brush it under the carpet and cover up, claiming "we recalled all emails no one got the data" (well I did) and claiming to know only I opened the email despite them not using read receipts and Def to small scale for any sophisticated tracking.
Question is what do I do, I don't trust them to be honest, they literally sent a plain text email with words "recalling x email" thinking that recalls emails! I don't know what of the leaked info is risky or how to mitigate it. Do I get legal advice or not? Where? I looked up and only found on local law firm that might cover it but everywhere I looked was for companies
Give the Information Commissioners Office a call. They deal with GDPR.
@@naturalmatrix I did, they said go through formal complaint with Nursary then if not happy raise complaint. But didn't answer how we resolve the fact cats out of bag now.
Also gave me shocking advice regarding usage of data, I said if needed can we contact others on the list to warn them because technically we using the data. He said, believe it or not "yes your an individual you can do anything you want with all that data" they explicitly don't record the call, wish they did to get that quote
@ace90210ace that advice was wrong. In a *private and domestic* capacity it is true GDPR does not apply. It is very arguable that you would not be operating entirely in such a capacity in the circumstances, so GDPR would apply. Hence the "advice" being wrong.
However even with GDPR in place the basis to proceed on with using the data would be legitimate interest. The legitimate interest of putting the nursery's feet to the fire and alerting other parents to the problem. The only data that would apply to would be their names and email addresses.
@@ace90210ace "yes your an individual you can do anything you want with all that data" - Surely that can't be right? What about those who steal someone's ID? I would go with what @davidpnewton says below about 'legitimate interest'. Let the other parents know because then you'd have a group of people acting together, which will be far more worrying for the school. Hope you get it sorted.
If I get a call from the bank, I will always call them back, unless I'm expecting the possibility because I've just made a large purchase.
But you make an interesting point about codes. I had to use codes when buying a new phone from my carrier I've been with for 13 years at the weekend. I called them, did the security, but had to give them codes to release some of the documentation for the credit agreement to be delivered to my email.
I never ring them back I use the secure banking app installed on my phone to contact them.
Phoning back straight away can also be a problem if the scammer hasn't ended the call at their end. You'll effectively dial straight back to whoever was calling you in the first place. Try another call to a friend first and make sure that goes through ok before dialling what should be your bank etc. (Telecoms companies may have now closed this loophole, but not sure...)
@@dughuff8825 Yes, I always listen to it dial and know it isn't just the scammer sitting there.
@@patglenholmes7393 Agreed. there will normally be a message waiting for me when I sign in via the app that agrees with the phone call. Or some other clue why they contacted me by phone.
Yes i would feel uncomfortable with those calls too
Thank you for your guidance on purchasing second-hand cars. I used some of your guidance and my own research in the approach to get the Garage that sold the vehicle to my son to repair the defect that arose within the first 3 months therefore assumed it was pre-existing and the Garage should therefore be responsible.
Happy to share my experience with you if you are interested but thank you for your channel, it is very interesting and from my personal experience very informative and useful when trying to navigate through the legal issues and the legislation there to protect consumers. Thanks again for your ongoing time in putting out these videos..
This was a common occurrence working in the insolvency field dealing with the liquidation of companies. A creditor, usually a bank or a utility, calling us wanting to know what was going on with a particular account or premises the business had operated from.
And despite telling them that we were the liquidators of the company handling their affairs they regularly tried to ask security questions, most of which we wouldn't have had the information to answer even if we wanted to. So we ended up saying we can't answer your questions and them responding that they can't continue the call without the answers, to which we'd generally respond that that's fine and you aren't going to get the information you phoned up for.
Banks ask to confirm details to make sure they are speaking to the correct person. Unfortunately, this means you have to ignore the advice banks give about giving details to random callers. It is bloody daft.
From a data privacy perspective, the onus is always on the caller to identify themselves before the recipient divulges any information.
Yeah, I wouldn't trust a bank that'd do that. Best thing for a bank to do in that situation is, like B^3 said, sending a message through their secure system asking you to call them back through the normal phone line.
banks need to wise up, some bank call centres are overseas
It's not just banks, it is every single Utility and Insurance company that does this also. It is very frustrating. It should be the case that there is a password or passcode on record that we (the consumer) have set that the bank/utility have to confirm back to us first when they call. This should be separate to any other password and only there to allow us to confirm that we are indeed talking to someone with full access to our account. Not fool proof but it would at least help.
What they should do in this instance is to direct you to a secure message via their own system that has a keyword/phrase that they can quote to identify them with a response that can identify you, seems simple. I wouldn't engage with a random call any other way, no matter how much information they had.
I've had this experience twice with my bank. Both times I said I'm not giving my details to prove I'm me, as you (the bank) rang me. Each time I contacted the bank they confirmed the contact was genuine. I advised them it was very poor practice. Whether they followed this up, I don't know.
If the bank phones with questions hang up and phone them back on a different phone and tell them someone was asking for you and if it actually was them they'll have a record of it.
Please can you do an update on the monitor/ computer issue. Would really like to know if it is all sorted now
BUT, Banks NEVER contact us by phone? Or so they say!
He is waking up....
change bank, period.
Watching your video I thought it was the bank as you had no reaction otherwise. You can get clues from the way they speak, accents, words, language that it's a scam BUT, I stand by the exact same advice.....give them nothing. I've been 'lucky' so far in that my calls have been the bank and I stopped giving info out after that as one day I could fall for a scam so not having that.
Normal if you hand over a code to a fraudster the bank uses that as a reason they are no longer liable for any losses. Considering they routinely do this themselves could that then be used to make them partially to blame as now you had no reason not to believe you were dealing with the bank.
It would be useful to name the bank….
OMG.
So if you do get scammed then you can claim off the bank because they did exactly what scammers do. My bank says exactly the same same and axially states the same on a written paper to tell you not answer those questions.
Yeah the bank doesn't like it when you do business overseas with certain countries. Not shits given when the government does it though.
They should send a letter not randomly calling you.
I would change banks.
I seem to be unscribed not from me, it's happened with a lot of UK channels I'm suscribebed to being in Australia, ask your followers to check their subscriptions to you.
You'll have to give us an update on how you got all your money back (well, forget this one), cancelled all the many credit cards and reclaimed your house in about three years. The best of luck!
Simple, end call and you call the bank back. Banks do suggest you do this if you push back. Simple
I find life has become so confusing and complicated.
It’s but further proof that we’re increasingly living in a Orwellian World. The left hand doesn’t know what the right hand is doing ect…… ⚛️☮️🌏
Classic one rule for them and an other for you. lol.
daniel. off topic i know, but i'd like t know your opinion on AEW. the american wrestling company last year had an event at wembley stadium, during the event backstage two wrestlers had a real scuffle. one was sacked from the compnay, one has been suspended since. now following an interview from the sacked wrestler on a podcast, AEW played the actuall wembley stadiums CCTV footage from backstage they obtained on their tv show to around 800,000 viewers and millions of people across social media . a lot of people are claiming this would breach GDPR. i would think due to it being an incident that led to someone being sacked, they are IDable and the company hyped up releasing the CCTV before hand so for financial gain they probably have breached some part of GDPR. the CCTV would be shared by wembley for legal reasons to investigate the scuffle and disciplinary follow up, but have AEW missused the CCTV footage?
Man in the middle scam. Fraudster 1 speaks to you, pretending to be bank. Fraudster 2 speaks with bank. Triggers code, or in app verification. Fraudster 1 tells you they doing this and gets you to verify in app. Bank thinks Fraudster 2 is customer. Empties account. Always hang up and call them yourselves
There is such a simple solution to this problem. An authentication method which permits both sides to safely confirm they are legit. Simple and easy, and it would make receiving phone calls from the banks 100% safe. And it would cost almost nothing to implement. But you try convincing any of them to change anything!! lol Where would you even start? lol.
Use a side channel. Hang up and call the bank yourself.
It is pretty bad though.
Hmm 🤔 Who is this bank? You keep saying 'the bank', but which one exactly?
This is stupid. The point is they have closed all the local banks so we can’t just nip in to check. How are the very elderly supposed to deal with something like this.
Stop with the click bait titles . If you continue your loosing a sub