Hi All I thought I’d share an attempt to defraud me which happened about half an hour ago. Given there’s been some stories in the press recently about people falling to APP fraud that have been discussed on here, I was surprised when it actually happened to me.
I got a call from a ‘No Caller ID’ to my mobile from ‘David’ claiming to be from Monzo’s Anti-Fraud Team. He knew my first and last name and claimed there had been an attempted logon to my account from Coventry. At the sometime, I’d received an SMS from ‘Monzo’ priming me for his call.
He then ran through a plausible script of questions, including whether the card was in my possession, had I attempted to log on with a new device, was I in Coventry, and so on. After all this, he claimed he needed to secure and unblock the account and I was therefore to forward an email (the ‘magic link’ email) to an address sent via another text message.
After stringing him along for quite a while, and challenging him to prove he was from Monzo (“I’ve sent you a text message and an email”), I told him Monzo don’t send text messages and he promptly hung up on me.
Now, I’m reasonably savvy when it comes to this kind of thing, but I was surprised at just how slick it was and, looking back, it was done at a reasonably quick pace albeit calm and measured. Now, the ‘magic link’ email could not be any more explicit about not forwarding it, but I can see how, with someone on the phone and the threat of fraud / being locked out of your account, some people could fall for this.
Interestingly, they have my name, location (“London”), email address, and potentially know I have a Monzo account. Alternatively, they could have been fishing and it was just luck that I actually have one and encouraged them to carry on with the scam.
Screengrabs of the messages and latest version of the magic link email below for this who may be interested: