Scams You've Encountered

Yes - ignore the call. It’s not your charge. Period.


If it’s a legit number I would call them back and let them know. They may have misdialed or someone might have given them your number, but at least they’ll have closure.

If someone is using your card number, you’d want to know and pursue that - or at least, I’d want to know.

I think he should have to replace the car with one of equal or greater value.

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Just make sure you don’t give them your card number.


Unfortunately she is unfit to drive - so I’ve taken that idea (replace the car) off the table - although she did say she has a previous neighbor who would have loved the SUV.

Frankly I just want this “nephew” to remain aware that I’ve got my eye on him!


Absolutely! Never, in any circumstance give them important info. All they need to know is it wasn’t you. If they read the card number off to the caller (not the other way around), then it’s time to cancel the card and report fraud.

From my bank:

“ Here are the details of the “pay yourself” scam

  • You receive a text message that looks like a fraud alert from your bank about unusual activity. The text may look something like “Did you make a purchase of $100.00 at ABC merchant?”.
  • If you respond to the text, you have now engaged the scammer and will receive a call from a number that appears to be from a bank.
  • They’ll appear to be a representative from a bank and will offer to help stop the alleged fraud by asking you to send money to yourself with Zelle®.
  • The scammer will ask you for a one-time code you just received from a bank.
  • If you give them the code, they will use it to enroll their bank account with Zelle® using your email or phone number.
  • The scammer now has the ability to receive your money into their account.

What you can do to help stay protected

  • Don’t trust caller ID — it’s not always who it says it is.
  • Don’t share codes based on a call you receive.
  • Don’t be pressured to act immediately.”

Just call the bank directly or check your account online.


A PSA: always closely inspect the URL of the “official” site you are about to visit.

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It’s hard to imagine that someone would give away the code they got from their bank, but I guess some people must or they wouldn’t be doing that. Wow.

It’s hard to imagine that someone would give away the code they got from their bank

It seems that way but I think the scammers are good at reeling people in. And the text message from the bank itself is not as clear as it might be. One bank I use sends a text with “XXX won’t contact you for this code: ABCDEF. Don’t share it with anyone”. Ok, the 2nd sentence is unambiguous but with regards to the 1st sentence didn’t they just ask me for the code on their webpage?

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Recent text (paraphrasing from memory): Your utility payment is overdue, and services will be shut off. Press “1” to discuss. Press “2” if in error. Oddly, the number was the actual number of our water department. I called the water department, who shared they were receiving a number of complaints.

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If you’re referring to the number showing up on caller ID, it is easily spoofed and should never be trusted to identify the company that is allegedly calling.


Just a few days ago, a man called me and asked why I had phoned him. I hadn’t. I told him someone must have spoofed my number.

I’ve had that experience once in the past year or so too.

Today I got a call from someone who, after mumbling something or other that I didn’t catch, asked, “So, do you still owe 5K or more back taxes?” That was a new one for me. I put no thought whatsoever into my answer and said, “Uh, I guess so. Have a good day!” and hung up.

They haven’t called back and I see no need to double check that H has been paying our taxes regularly. We haven’t heard from the IRS or state, so I assume all is well.

NPR did a story on Asian countries who recruit people with good job offers. Once relocated, they are forced labor to scam people in their country. If they speak other languages, better. They beat these scammers if they don’t make a quota. They even kill, to use as an example. Sometimes they get the families to buy out the person. Sounds awful, but it made me understand the desperation.