My Son Got Hit With A Credit Card Scam Text. Have You Gotten One?

OneEyedDiva

OneEyedDiva

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Location
New Jersey
The text said a charge for $981 had been made on our Bank of America (BOA) card. So he came and asked me about it. Coincidentally he had bought some items for us at Costco a couple of hours earlier (I ordered a card so he could have his own) and I had just checked my BOA account, not more than an hour before he got the text. The text said to reply NO if [he] didn't make the charge. I don't remember if there was a link to click on. I told him that it had to be a scam because BOA doesn't have his number as a contact number for alerts, so just delete it. Sure enough, when I went back into my account, there was no charge or pending charge for that amount. Over a decade ago, I had another BOA card through RCI exchange club and they were excellent in denying two fraudulent charges..one for $10 at a convenience store and the other for $500 for tickets on Caribbean airlines.

Have you gotten any fraudulent texts regarding your accounts?
 

Usually, it involves fraudulent charges on my Amazon account or some sort of free item.

The most recent was a freebie from the local power company.

I never click on those links.

Oftentimes, I delete texts and emails that are probably legitimate, but it seems safer to me than taking a chance.

It's sad that trusting and using a phone as a form of communication has become so potentially dangerous.

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I've gotten more of those than I can count. They come by email, text messages, or voice mail. They are very disconcerting and are a temptation to respond to, but there always seemed to something fishy enough about them to make me ignore them. But I then wonder for a few minutes if someone hacked my account. Imagine! Someone is using your fear of having your account hacked in order to hack your account. I keep wondering why some government agency doesn't throw these assholes in jail.

We keep hearing about the government spying on us and knowing what we are doing. I personally don't worry about that, but if they are actually watching us that closely, they could certainly identify these scam artists, and bring them to justice. It would seem that the government isn't all that great when it comes to spying on us after all.
 
OneEyedDiva said:
The text said a charge for $981 had been made on our Bank of America (BOA) card. So he came and asked me about it. Coincidentally he had bought some items for us at Costco a couple of hours earlier (I ordered a card so he could have his own) and I had just checked my BOA account, not more than an hour before he got the text. The text said to reply NO if [he] didn't make the charge. I don't remember if there was a link to click on. I told him that it had to be a scam because BOA doesn't have his number as a contact number for alerts, so just delete it. Sure enough, when I went back into my account, there was no charge or pending charge for that amount. Over a decade ago, I had another BOA card through RCI exchange club and they were excellent in denying two fraudulent charges..one for $10 at a convenience store and the other for $500 for tickets on Caribbean airlines.

Have you gotten any fraudulent texts regarding your accounts?
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Many times Diva. He will probably get more so he will have to aware. My wife got sucked into one years ago. We caught it just in time.
 
OneEyedDiva said:
The text said a charge for $981 had been made on our Bank of America (BOA) card. So he came and asked me about it. Coincidentally he had bought some items for us at Costco a couple of hours earlier (I ordered a card so he could have his own) and I had just checked my BOA account, not more than an hour before he got the text. The text said to reply NO if [he] didn't make the charge. I don't remember if there was a link to click on. I told him that it had to be a scam because BOA doesn't have his number as a contact number for alerts, so just delete it. Sure enough, when I went back into my account, there was no charge or pending charge for that amount. Over a decade ago, I had another BOA card through RCI exchange club and they were excellent in denying two fraudulent charges..one for $10 at a convenience store and the other for $500 for tickets on Caribbean airlines.

Have you gotten any fraudulent texts regarding your accounts?
Click to expand...
Oh yes, and often for accounts that I don’t even have. They just fire these things out and hope that someone will bite.
 
You I get them and never ever respond, If I'm concerned I will call the business directly.

Just this week I got a text message from Verizon telling me my account was compromised and all services have been frozen. I thought to myself "how did I receive a text if all my services have been frozen?"
 
C50 said:
You I get them and never ever respond, If I'm concerned I will call the business directly.

Just this week I got a text message from Verizon telling me my account was compromised and all services have been frozen. I thought to myself "how did I receive a text if all my services have been frozen?"
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I just got a text about my DirectTV account being frozen. Huh! I don't, and never have used Direct TV.
Adding, I get thee scam texts and notices about twice a week. The government is trying to make companies encrypt more of our personal info, to cut back on these types of calls.
 
I get an average of one of these, every day. Yesterday's told me "We were unable to charge your purchase to your card. Please contact us." No identificatiion, of course, as to who "we " are.

These hokey messages are getting more and more frequent and desperate to try to sound authentic, but if you go back and read them a second time, there's always something a little bit "off" about them. I've learned to hit the Spam button almost automatically.
 
I get those fraudulent texts from time to time, mostly regarding banks and/or companies I don't deal with.

The latest seems to be personal texts that appear to be sent in error. Example: "Hi, this is Kevin, sorry, it's been a while. I'd like to catch up"

I have just deleted those too, and then read that it is to get you to respond and then the scam begins. Be careful.
 
OneEyedDiva said:
Have you gotten any fraudulent texts regarding your accounts?
Click to expand...
OH yes, texts-emails-voicemails. Most obviously phishing scams(IRS coming to arrest you in the middle of the night, etc) but one email caught my attention enough to get me to investigate: thanking me for a bitcoin purchase of several hundred dollars, and that the charge should show up on my Paypal account in the next few days. I kept an ey open on that, turned out to be bogus.
 
I recently got a text and email message regarding my husband's Venture card about a charge they deemed likely fraudulent. I checked my account, saw the fraudulent charge, then called the number on my card and learned that it was a genuine email and text from Venture.

They reversed the $175 charge, checked other recent charges on his card (all of which were authorized), deactivated his card and issued a new one within days.

Sometimes these are genuine. You just have to be on your guard and exercise due diligence when checking them out.
Before anything else I verify that the communication was sent to an email address that's actually connected to the account rather than one of my junk email addresses. Most often, it is not.
 
@OneEyedDiva You did the same thing most of us would do when we receive what we perceive as a false email or text - delete it. This happened to my husband twice many years ago. Once his card was already automatically frozen, the second time I called the number on the card. It took them forever to fix the charge because it was delayed by not calling the number in the text. I’m sure they’ve remedied chain of command now.
 
I have a flip phone but it does get texts. I'll check it. I'm glad you and your son are savvy enough to know these are phishing scams. They are likely sending them out like crazy hoping to get the ones that aren't.

I too have received the Amazon e mail ones. And then the address of the e mail is some wacky address. Have got the IRS messages and something about the police will be after me if I don't respond to this message ones. Immediate delete those.
 
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