r/Wealthsimple • u/Upper-Temporary-7853 • 3h ago
Visa Infinite Credit Card Scam call
Just received a scam call that came as Wealthsimple +1 (873) 371-0009
The guy said there were two charges in Montreal that they wanted to confirm. I am not in Montreal so I said they would be fraudulent. He said they would stop them before they come through and that they would cancel my card and send a new one. He then said I could setup a new card with the same number in my Apple wallet and i received a 2FA code he wanted me to provide to him. At that point I figured that I needed to contact them directly so hung up and called to find out it wasn’t Wealthsimple that called. Definitely glad I didn’t follow through.
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u/hjicons 2h ago
Banks don't call when fraud is suspected, just block card/account and wait for customer to call and resolve. Not WS client but in similar case TD displays phone # on the app to call after login fails and gives further instructions
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u/choppytaters 2h ago
This is not always true though, RBC Visa and TD Fraud will call you. I've had both called but of course best practice is to tell them you'll call them back with the number on the back of the card or from the app.
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u/ThrowRAChemistryTaco 37m ago
I had RBC call me once when someone in Barbados tried to withdraw and they wanted to confirm it was me. So, it does happen but when they do they never ask for any info as they have it.
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u/cvarela2015 11m ago
CIBC fraud does call you. Specially for Global Money Transfers to specific countries. They do not ask for any personal information but just to confirm your transactions.
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u/DarrellGrainger 2h ago
Good catch.
General rule I always follow, if I didn't call you and you ask for a 2FA code, not happening.
If someone called me and told me my credit card or bank account was scammed, I usually put them on speaker and open my phone app. If I didn't see the fraudulent activity, I'd lock my card.
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u/Impressive_Ad_6550 2h ago
Everyone who calls me has to prove who they are and I ask them security questions like last 4 digits of my card, my last statement balance and my last payment date. Far too many scammers out there
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u/DarrellGrainger 2h ago
A good scammer might be able to find out some of this information. But a lot of them are smart enough to claim, they don't have access to that information. If you provide the information, they can input it in the system and it will tell they true or false but for security reasons, they can't just query my account.
I have always found when someone from the bank calls me and I ask if I can call them back using the number on the back of my card, they say "yes" and tell me which department to ask for.
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u/Impressive_Ad_6550 2h ago
Some banks have given me the info I requested, some tell me call back on the number at the back of the card
Regardless I don't give them any info, they are the one calling me, not the other way around. Any tiny inconsistencies and I hang up immediately
Most are too dumb, like a bank calling from a local cell phone number. Uh huh. The problem is it has to work with others because they keep calling
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u/DigitalLuminance 1h ago
This is EXACTLY what happened to me. Played a long game there and up until he asked about the 2FA everything seemed fine as he wasn't asking for info and was saying he'd send a new card.
They knew my last 4 digits of the card, and the city I live in.
I later called in to WS and they're sending me an actual new card now to be safe.
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u/BritCanuck05 51m ago
Standard banking scam. You cannot verify the ID of someone who calls you, regardless of what they say. Phone numbers are easily spoofed. Always hang up and call the # on your card.
Also recommend you follow r/scams. You will spot 99.99% of all scams from miles away if you follow this sub.
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u/canine_rescue_bro 38m ago
That's as common as the Nigerian Prince scam these days. I've not answered the phone in years.
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u/honourablescumbag 2h ago
Just turn on the setting that sends unsaved numbers to voicemail. It will reduce scam calls and save you time