Hey all, this is a little PSA to let you all know the âFraud Departmentâ scam looks to be doing the rounds again.
Youâll most likely get a strange, and high cost, transaction approval request in your Monzo app (For me it was from CircuitLaunderetteCircuitEUR-App1 for 50EUR). followed by a call from a withheld number.
They will mention the Transaction and even provide you with your details (Last 4 digits of the card, address and phone number)
They will then say that they will freeze the card and set you up with a temporary card for your google wallet/apple pay and ask you to approve the card setup in the app.
Instead, go the the app, and freeze your card and drop the call. (If you accidently accepted the Apple Pay setup instead of declining it donât worry)
Now go to help and open chat and tell them that someone has attempted to use your card fraudulently and would like to cancel your card and order a replacement.
Monzo will then put a full block on your card and order a replacement for you after confirming your delivery address.
Once you get your new card, youâll need to Activate it and re-setup your pin (If required)
I would not do this - personally - you can request a new card for fraud after freezing it (iirc), and saves the time of having to jump through CS hurdles, and delay things!
In fairness I wouldnât answer the phone from a âbankâ unless I was aware that a call may come in.
If I bought something that adds suspicion they might call me to check itâs me, and this would happen almost immediately after the attempted purchase. This isnât as common.m now however.
If Iâd requested a callback from a bank, Iâd expect a call from the number on the back of the card or from a private number if the call is taken from a staff members extension.
Of course still always check whoâs calling and if they say anything a bank wouldnât normally mention.