Bank Fraud

cameronv

Has anyone heard of this happening?

 

On Monday, my wife noticed large payments going through our joint account. 

 

She immediately called the bank fraud line and was told that they had already called to check he amounts but that she had told them it was ok. 

 

Apparently, the fraudsters had replaced her voice message password with their own (a man). 

 

The bank also sent fraud texts through to my wife’s phone which they have somehow intercepted - she never got any of them. 

 

The bank are now investigating - apparently it will take 15 days. They are giving us no promises that the money will be returned. 

 

One solitary bank manager has been supportive, no one else fills us with confidence. 

 

One of the fraud team actually said - of my wife! But we spoke to him and he said they were legitimate payments. 

 

Thank goodness my wife receives alerts on her phone when transactions happen. 

 

This seems so much more sophisticated than I thought was possible. 

 

Anyone else had or knows of this kind of thing? 

Olinda99

phone texts cannot be 'intercepted' the best a fraudster can do is a sim swap (i.e they would take over your wife's number) in which case your wife's phone would cease working and you would notice

so you're starting point in solving this mystery is no texts were intercepted but maybe someone had access to your wife's phone

Shakin_Steve

Olinda99 said:

phone texts cannot be 'intercepted' the best a fraudster can do is a sim swap (i.e they would take over your wife's number) in which case your wife's phone would cease working and you would notice

so you're starting point in solving this mystery is no texts were intercepted but maybe someone had access to your wife's phone

The messages in question could be notifications from a banking app, I get them from my Barclays app for every transaction. No SIM card would be necessary for these. However, the OP doesn't say whether his wife's phone is working for texts or calls.

cameronv

Thanks for your input.

My wife's phone was never away from her person the whole day - she was at work - visiting patients (she's a palliative care nurse)

cameronv

PS - she doesn't really look at her personal phone when at work - she was alerted by the alerts of the monies going out via her smart watch.

Section62

cameronv said:

My wife's phone was never away from her person the whole day - she was at work - visiting patients (she's a palliative care nurse)

There was a thread on here a while back with vaguely similar circumstances, the victim was on a camping trip IIRC and nobody but friends/family around.  I can't remember the outcome of that one, but might be useful if someone can find it.

sammyjammy

Has she checked if any apps are on her phone that she wasn't aware of, it maybe if they have access to her mobile they could have read and deleted the said text messages.  Hope you get your money back, its awful.

savergrant

cameronv said:

Has anyone heard of this happening?

 

On Monday, my wife noticed large payments going through our joint account. 

 

She immediately called the bank fraud line and was told that they had already called to check he amounts but that she had told them it was ok. 

 

Apparently, the fraudsters had replaced her voice message password with their own (a man). 

 

The bank also sent fraud texts through to my wife’s phone which they have somehow intercepted - she never got any of them. 

 

The bank are now investigating - apparently it will take 15 days. They are giving us no promises that the money will be returned. 

 

One solitary bank manager has been supportive, no one else fills us with confidence. 

 

One of the fraud team actually said - of my wife! But we spoke to him and he said they were legitimate payments. 

 

Thank goodness my wife receives alerts on her phone when transactions happen. 

 

This seems so much more sophisticated than I thought was possible. 

 

Anyone else had or knows of this kind of thing? 

How do you know the voice password was replaced, and that it was a man's voice?
As it is a joint account is it definitely her that has been hacked somehow and not you? What number did the bank ring to confirm the payments?
Banks have different ways of setting up new payees, making the first payment to a payee, or checking unusual activity. On my main account I use a card reader to set up a payee.

xylophone

https://www.thisismoney.co.uk/money/beatthescammers/article-13163903/Malicious-apps-stealing-data-official-app-stores-arent-safe-haven-think.html

Has she recently downloaded an app?