A slick con-woman has been hitting Melbourne businesses with a credit card scam. She says she wants to transfer money from a credit card to a debit card. The thing is, she doesn’t have the card. While such a transaction ought to be rejected immediately, she has been able to get beyond store policy in a couple of instances of which I am aware thanks to excellent patter. She was caught out by a vigilant team member at Forest Hill yesterday (the first time she tried this on us) and the police and security alerted.
There is a simple way to stop this – NEVER LET SOMEONE LOAD CASH ONTO A PREPAID DEBIT CARD FROM A CREDIT CARD. I’d let them do it using eftpos because a PIN is required.
Over the weekend we had someone try to do this, too.
Customer: I don’t think I have enough money in my keycard account. I’ll just use your phone to transfer the money from my credit card account.
Y: Erm, no you won’t. (nicely)
Would that still be the case when all credit cards are pin only?
Y&G
not being too bright, can you give me an explanation as to how this type of scam works? Is it not simply phone banking transactions
Dear, sweet Anon
Just because it’s Saturday, and I’m in a good mood, and happy for you that you’ve time to go on a fishing trip just for fun.
Not too bright? Come, now, Anon, we all know just how very clever and witty you are, so please dispense with the modesty.
Well, it’s a bit embarrassing, Anon. You see, I can’t explain exactly how it works. Forgive my omission of the word ‘appeared’. I consider myself corrected and caught out for the crime of reporting dodgy conduct on the part of the customer. You are, as always, absolutely correct and I turn my cheek for a lashing.
Oooh I needed that.
As you have correctly surmised, my knowledge of such scams is limited, hence my jump to the conclusion that the customer was somehow scamming me using bank transactions.
While I can’t provide you with an explanation how any given scam works off the top of my head, I will offer one of the exerience, if you’ll indulge me.
Go on – just for li’l ole not-too-bright me..
It was an unusual request (actually, an assumption that we’d happily furnish him with a phone), however, which was delivered with pretty dodgy body language, intermittent eye contact, and fast talk. He kept changing his intentions re accounts and direction of intended money flow (large sums of cash-out and purchases), during the ‘exchange’. He was also changing his mind about purchases in amongst all the other talk. At this point, I have to admit that our decision was not only influenced by the person’s manner and behaviour, but also a gut feeling that my partner and I both had as a result of this guy’s attempt to bamboozle. The shop was busy, making conditions perfect for such an attempt to be successful if we allowed it to continue. Unfortunately, the gut feeling can’t be cited correctly – its sources are not available at this time.
Point is, clearly there was a scamming attempt involving (attempted) bank transactions. I’ll try and get the correct and verified documentation for you to cite, before I make such a sweeping statement again. However, I doubt our (or your) bank would care either way. We’d be wearing the cost.
So, poor dear Anon, apologies again for offending your intellect, however I hope I’ve placated you in some way, and have gone some way towards helping you to feel superior once again.
Love,
G ( the other half of Y&G)
P.S. That modesty thing doesn’t suit you. I wouldn’t wear that again… not that hat, anyway.
Anon seems to be lost for words for once ..
not lost for words Shaun, there wasn’t any space left to comment after the drivel from whatever a Y&G is
anon, you asked the question and got a decent answer from Y&G – an identifiable contributer; ie not one of many anons.
Anon……all scams have to start somewhere….do you want to be the first to experience a new one?
Basically if it doesn’t seem right…abort it. Better to stay on the side of caution.
As for someone wanting to use my phone for their banking transfers? Go find a public phone or get yourself better arranged with your finances.
Drivel? Seems to be only one idiot wiping their chin here.
as usual Michael your comment carries no weight – Y&G is identifiable, Anon is not identifiable – Max your anger management needs grooming. The question asked deserved a sensible response not the patronising drivel from the anonymous contributor Y&G
anon….wipe your chin…the drivel has turned to crap…..keep trying, you try hard
Ignore anon, he/she uses various names and drops in usually to stir the pot. The hot topic here at the moment is the new newspaper distribution contracts. Comment on that conversation.
Well, Good Morning.
I obviously went to the wrong party last night….
refer to item 11 why gee!
Just had a customer in … WITH HER OWN PRICE LABELS! Tried it on to put her own label on and demand that price, fortunately we have our shop name on our labels – watch out SEQLD for this one.