Test your fraud detection skills

agrinnall

Vortigern wrote: »

Scored 8/8 but also had doubts about "you will receive a text from..."

Taking that question as two questions, I would not trust the first part because it's an unfamiliar number, and because whenever I receive a text from a bank, it's always headed with the bank's name, not a mobile number.

I'd trust the second part because I've seen similar from Santander and because replying to a text with a Y or N would not give access to my account.

That was my reasoning too, but it was the one I had the most doubt about.

Katiehound

Ha! I got 6/8 because I wrongly said 2 of the texts were fraudulent when they weren't. Still I'd rather be over cautious than t'other way!
I don't give my bank my mobile phone number anyway (it's purely for emergencies like phone the AA!)

bubieyehyeh

Zanderman wrote: »

I logged that one as fraudulent because telling me what number they'd text from is meaningless and nowhere near secure. Why would that number be reliable?? They could still be a fraudster and the text from xxx might well be fishing for information in some way. I've never had a message from a bank saying they will text me from another number - and would not trust it if they did.

A poor question imho - which made me doubt the effectiveness of the whole questionnaire.

Actually, that is very similar to what barclaycard actually use. They also ask for you birthday from what I remember. Egg credit card used to do the same. It is daft, but real.

northwalesd

Another thanks for sharing. I too got 8/8 but like most others did wonder about the "we will text from number nnnnn" question.

badger09

Interesting test - thanks.

I got 8/8, husband got 7/8. Like others he thought the 'we will text you from...' was fraudulent.

I expect most of the regular posters on here are more 'fraud savvy' than joe public though.

societys_child

The only ones I had to read twice were the genuine ones, just to be sure.

Got 'em all right

Lorian

*Spoiler alert*

Katiehound wrote: »

Ha! I got 6/8 because I wrongly said 2 of the texts were fraudulent when they weren't. Still I'd rather be over cautious than t'other way!

Being cautious in the case of one of the emails can cause you more grief. The one text from the bank - the one with the "Do your recognise this transation Y/N" from a Hutchinson Telecom number is REALLY what the actual message looks like when they think you've been scammed (IIRC this is the one from Mastercard - but maybe visa).

Its this one:

https://takefive-stopfraud.org.uk/takethetest/images/questions/q6-1.png

If you choose to be cautious and do nothing you've ignored the protection the bank is offering to you. It's a massive shame this service itself looks like a scam text! - and when you google the number like most people do you mostly see misguided people saying its a Scam, when its not.

It's this number 07480357009

When you reply back to say N to mean you dont recognise the transaction, the bank fraud department will ring you back (usually very soon). if you want to be 100% certain you are not falling for a scam don't reply - just call the number on the card and ask for the fraud department, and tell them you had the text. They will walk through the same process, which rolls-back any unknown pending transactions, cancels your card and orders a new one.

moneyfoolish

Zanderman wrote: »

I logged that one as fraudulent because telling me what number they'd text from is meaningless and nowhere near secure. Why would that number be reliable?? They could still be a fraudster and the text from xxx might well be fishing for information in some way. I've never had a message from a bank saying they will text me from another number - and would not trust it if they did.

A poor question imho - which made me doubt the effectiveness of the whole questionnaire.

So did I for exactly the same reason as you.

B_G_B

Scored 7/8. Texts on question six are apparently genuine but there is no way that I would reply to a random text with either Y or N.

Kim_13

The test has since been covered by ITV news: https://www.itv.com/news/2018-01-25/would-you-know-if-you-were-being-scammed/