The caller may also offer a telephone number for the victim to dial or ask the victim to call the number on the back of their bank card to check that they are genuine. In these circumstances, either the number provided will not be genuine or, where a genuine number is suggested, when the victims hangs up the fraudster will stay on the line and pass the victim to a different individual, claiming to be from the bank.
After some trust has been established, the fraudster will then, for example, suggest;
- Some money has been removed from a victim’s bank account and staff at their local bank branch are responsible
- Suspects have already been arrested but the ‘police’ need money for evidence
- A business such as a jewellers or currency exchange is operating fraudulently and they require assistance to help secure evidence
Victims are then asked to co-operate in an investigation by attending their bank and withdrawing money, withdrawing foreign currency from an exchange or purchasing an expensive item or vouchers to hand over to a courier for examination, who will also be a fraudster.
They will agree a time and location for the handover, usually arranging for a ‘courier’ to collect the items from the victim’s home. At the time of handover, unsuspecting victims are promised the money they’ve handed over or spent will be reimbursed but in reality there is no further contact and the money is never seen again.
Your bank or the police will never call you to ask you to verify your personal details or PIN by phone or offer to pick up your card by courier. Hang up if you get a call like this.
If you need to call your bank back to check, wait five minutes as fraudsters may stay on the line after you hang up. Alternatively, use a different line altogether to call your bank.
Your debit or credit card is yours - don’t let a stranger take it off you. You should only ever have to hand it over at your bank. If it’s cancelled, you should destroy it yourself. Visit Action Fraud credit card fraud information (opens in a new window)-
Spot the signs
- Someone claiming to be from your bank or local police force calls you to tell you about fraudulent activity but is asking you for personal information or even your PIN to verify who you are
- They suggest you call them back so you can be sure they’re genuine, but when you try to return the call there’s no dial tone
- They try to offer you peace of mind by having someone pick up the card for you to save you the trouble of having to go to your bank or local police station
How it happens
You may get called on your mobile or landline by someone who claims to be from your bank or the police. Examples are they say their systems have spotted a fraudulent payment on your card or it is due to expire and needs to be replaced.
They might suggest that you hang up and redial the number of their bank or police force to reassure you that they’re genuine. However, they don’t disconnect the call from the landline so that when you dial the real phone number, you’re still speaking to the same fraudster.
They’ll then ask you to read out your credit or debit card PIN or type it on your phone keypad. They may ask for details of other accounts you hold with the bank or elsewhere to get more information.
Then they promise to send a courier to you to collect your bank card, cash or expensive items or vouchers they’ve told you to purchase. The fraudster will have your name, address, full bank details, card and its PIN, and withdraw cash using the card and may even use the information to commit identity fraud (opens in a new window) in your name.
How to report it
Please also remember that your bank and the police would:
•NEVER ask for your bank account details or PIN over the phone
•NEVER ask you to withdraw money and send it to them, even as part of an investigation
•NEVER ask you to send them your bank cards or any other personal property