The Scam I Almost Fell For

Bad actors are everywhere these days. Last week, I finally was able, with some tech support, to reinstall my computer virus scanner, run a sweep, and reassure myself that I did not download a virus a few weeks ago when I accidentally opened one of those fake alert screens that scream at you that you absolutely must save your computer by calling or clicking their blinking red link. (I immediately turned off my computer).

This weekend, the scammer came by phone. I saw a call from my credit card company on my cellphone and answered it. A man’s voice inquired if I had recently made a $1,300 charge on Amazon, which I had not. It was supposedly made by someone in Dallas. He needed me to confirm my full credit card number (he listed the first six digits) to cancel the charge and give the last four digits of my Social Security number.

As I was getting my card from my wallet, a little voice in my head piped up. Why would he need my credit card number, let alone part of my SSN? I’ve dealt with my credit card company’s fraud unit before, and they don’t work this way. Also, on the few occasions when there has been a fraudulent charge on my account, they first contact me by text, and all it takes is a confirmation of the error to deny it. Plus, when I have had to call them to cancel a lost card, there is always noise in the background, as if the person works in an open office space. No background voices on this call. Then there was the phone number I was speaking to, a Boston area code, rather than an 800 number.

So, I asked the guy on the phone, “How do I know you work for [my credit card company]?” He got irritated, then downright mad. He claimed that the person in Dallas had actually used my cell phone number to call and try to get the charge approved. This made absolutely no sense. He said if I didn’t act now to give him what he requested to cancel the charge, I’d have to wait until Monday to reverse it. This also made no sense, since my credit card company’s fraud unit is available 24/7. I told him I would not give my credit card number over the phone and was going to end the call. His ultimate retort? “I’m going to hang up in your face!”

So, there!

After this weird exchange, I blocked the number on my phone and checked my credit card transactions online to see if there was any pending $1,300 charge. There was not. Then I called the company’s fraud unit to double-check, to let them know about the scammer, and to give them the phone number that had shown up on my cellphone. The woman I spoke with was professional, polite, and appreciative. And there were other folks in the background.

Why didn’t I hang up right away? I had been trying to take a nap when my phone rang and was not all there. The caller ID said the name of my credit card company. And he did suck me in with his claim about the $1,300 charge. Thank goodness I woke up enough to realize what was going on.

So, once again, I share this adventure as a public service. Bad actors are everywhere these days. Be prepared.

Evelyn Herwitz blogs weekly about living fully with chronic disease, the inside of baseballs, turtles and frogs, J.S. Bach, the meaning of life and whatever else she happens to be thinking about at livingwithscleroderma.com. Please view Privacy Policy here.

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