I received an SMS at 10:42 pm last night from Westpac. The first thought was, is this a scam? Here's the SMS so that others know what to expect.
For security your card ending xxxx has been temporarily blocked. Please contact Westpac using the number on the back of your card to confirm recent activity.
Scammers will produce very similar looking messages. Notice that important direction to you. Contact Westpac using the number on the back of your card.
Scammers may get your number, but they need to get you to go somewhere they have control. There's no link in the legitimate SMS message. There's no number to call. You have that information on your card.
I called Westpac. Took a bit of time as I had to call multiple times. Selected the wrong options. Was this a new or existing fraud attempt. Well they know about it, so must be existing. Nope. That department's only open during the day. Got there in the end. Yep. Two online gambling and two online shopping fraudulent purchases in China. Nope wasn't me. OK. Your card has now been cancelled and we'll send you new cards. Worked out something that worked for both of us.
All good. These things happen. Now I do wonder how those people got the card details? Forever a mystery no doubt.
Kelvin Eldridge
www.OnlineConnections.com.au
Call 0415 910 703 if you're in the Doncaster/Eltham region and need IT help.
Update: 30 October 2014 - The saga continues.
OK. Sent the signed declaration. The first number provided by Westpac didn't work so tried the second number which did work. Even decided to sit there watching the fax to ensure it transferred successfully. At last all done.
Not so fast. Today I received a letter in the mail saying they'd not received my response. Ah. Didn't notice the cut-off date of the 11th. OK. That's my fault for not meeting their timeline.
They did send a reminder which I actioned I thought as soon as I received it. I find often letters from banks can take a number of days to arrive. I've seen lots of people complaining in banks about the short period they've had to pay their credit card and from my observation those complaints are warranted. But hey, I'll accept it's now up to me to follow up. And yes it's 4:45 pm and they close at 4:30 pm, unless of course you're overseas when it's 24 hours. Until tomorrow. It will be interesting to see what they've done with the fax I sent. This really is quite silly. They know it is fraud. They have the information. They've processed transactions which didn't have the appropriate information, and if it did, there's a real concern as to how that information has been obtained. There's no way I can protect myself from this occurring again because banks won't tell you how something happened.
Until tomorrow.