Did someone experience this ? (Defrauded with CC)

[adamr]

This particular case is perplexing to me. My partner last week Wednesday had roughly R15k coming off her debit card for freelance work at upwork.com. Neither me or her has dealt with this company before … we contacted standard bank and after a few days the transaction was reversed as it was fraudulent . At the time the incident happened the debit card was cancelled and a new card issued

Now the kicker … yesterday an attempt was made again on the NEW card!! … for a similar amount

Now … how on earth did this happen. This new card was used once after getting it at a restaurant in monte and we tapped for the transaction. This feels like an international syndicate as the service paid was for freelance work. A local incident would be likely pep store purchases . Standard banks controls like otps or app approval before payments like this go through were none existent

My partner is super careful with her cards and details … has anyone has something similar happen to them ? And do you know how her details were compromised ?

 

[∀Z‾soʇɐuɐɥ┴]

wasn't standard bank hacked recently?
Could be related to that?

 

[adamr]

wasn't standard bank hacked recently?
Could be related to that?

Can’t find anything in this specific regard … saw a beech related to property details being leaked . You perhaps have a link?

And to make matters even funkier someone this morning attempted to take out a loan on my name (have the safps protection thing) but still worrisome


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[Switch]

Are the card numbers the same? It is perfectly possible to deduct money by using the card-not-present instruction method, it's how airlines tickets (among others) used to be purchased over the phone before the internet was a thing, you don't need any otp or emv pin or card swiping.

What Is a Card-Not-Present (CNP) Transaction and Why It Costs More

Making a purchase without being physically present is called a card-not-present (CNP) transaction.

squareup.com

Card not present transaction - Wikipedia

en.wikipedia.org

Responsibility/liability is on the merchant, so getting refunded for fraud usually has minimal hassle/onus on the card holder.

 

[adamr]

Are the card numbers the same? It is perfectly possible to deduct money by using the card-not-present instruction method, it's how airlines tickets (among others) used to be purchased over the phone before the internet was a thing, you don't need any otp or emv pin or card swiping.

What Is a Card-Not-Present (CNP) Transaction and Why It Costs More

Making a purchase without being physically present is called a card-not-present (CNP) transaction.

squareup.com

Card not present transaction - Wikipedia

en.wikipedia.org

Responsibility/liability is on the merchant, so getting refunded for fraud usually has minimal hassle/onus on the card holder.

Nah totally different card numbers

What we did notice as soon as the new cards were requested these were already on Apple Pay without us having received the card which is also not right


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[ViVceptioN]

A colleague of mine had the same issue. A purchase was made in the USA using his debit card. I'm just finding out from him if it was also from Standard Bank

 

[∀Z‾soʇɐuɐɥ┴]

Can’t find anything in this specific regard … saw a beech related to property details being leaked . You perhaps have a link?

And to make matters even funkier someone this morning attempted to take out a loan on my name (have the safps protection thing) but still worrisome


Sent from my iPhone using Tapatalk

Ah sorry, was Absa that had a data leak, not Standard Bank

 

[SquinkySquirrel]

Hi There
Happened to me before. My card details was compromised online through a reputable SA site. With info given they tracked and arrested the guys and I got refunded. (I work for a bank and fortunately could supply enough info to help with the investigation)

Sounds like other details of yours was also compromised. Did your bank ask you to check the last 2 or 3 transactions before you got scammed?

Please check all your tech asap!! We have found that tech compromises are now becoming one of the biggest targets.

Phishing etc are becoming more sophisticated, however you must check all your devices that goes online to see that they are not compromised.

Trends: Remote assistance + malware, phishing to steal your details, SARS scams, even apps tries to steal your info. In app purchases by entering Card details on "free" apps is also trending.

Hope they refund you quickly. You are welcome to PM me if you have other questions.

 

[Greekking]

It could only be Monte Casino , Standard bank or someone at work with a card scanner if it's new and has only been used there.

It's not stored online from any other sites to say they were hacked...

I would say you can try giving your card to your partner and see if someone attempts the same off yours (she only takes it to work)

If she went to any mall there could of been someone with a scanner there though :/

Hope you sort it out soon.

From what I have heard scammers usually sit on info for a few months to a year before using it so if the card is new and never used its a really weird one

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[eyesuc]

Interesting. It is quite a clever way to steal money:
* Steal card details at my job in STB
* Pay myself with stolen card details on Upwork
* Cash out in dollars / paypal / payoneer

Is there a way to query the details of the recipient on Upwork? Like how many fraudulent/reversed payments have been made to that account?

 

[adamr]

It could only be Monte Casino , Standard bank or someone at work with a card scanner if it's new and has only been used there.

It's not stored online from any other sites to say they were hacked...

I would say you can try giving your card to your partner and see if someone attempts the same off yours (she only takes it to work)

If she went to any mall there could of been someone with a scanner there though :/

Hope you sort it out soon.

From what I have heard scammers usually sit on info for a few months to a year before using it so if the card is new and never used its a really weird one

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I have been thinking someone at work cause her workplace is very multi national with lots of foreigners

Yeah the fact that the new card was used is what has stumped me … she has had the amount reversed and I’ve contact upwork to block that profile … regardless am moving her from std bank to my banking profile


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[adamr]

Interesting. It is quite a clever way to steal money:
* Steal card details at my job in STB
* Pay myself with stolen card details on Upwork
* Cash out in dollars / paypal / payoneer

Is there a way to query the details of the recipient on Upwork? Like how many fraudulent/reversed payments have been made to that account?

They attempted a few on the same card with one payment being successful … it is weird cause the second new card got charged but then the amount reversed …

She did have an interview with a company in Prague and went to stage 3 of the interview to be told there was a strategy change and they only hiring Americans (seemed odd af) … but in no ways was any card details given here … they only know her cell number and email and maybe got her card details elsewhere … not saying they were the fraudsters but very coincidental


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[adamr]

Hi There
Happened to me before. My card details was compromised online through a reputable SA site. With info given they tracked and arrested the guys and I got refunded. (I work for a bank and fortunately could supply enough info to help with the investigation)

Sounds like other details of yours was also compromised. Did your bank ask you to check the last 2 or 3 transactions before you got scammed?

Please check all your tech asap!! We have found that tech compromises are now becoming one of the biggest targets.

Phishing etc are becoming more sophisticated, however you must check all your devices that goes online to see that they are not compromised.

Trends: Remote assistance + malware, phishing to steal your details, SARS scams, even apps tries to steal your info. In app purchases by entering Card details on "free" apps is also trending.

Hope they refund you quickly. You are welcome to PM me if you have other questions.

Appreciate the offer to help [emoji120]. Luckily amounts were reversed and she will be moving banks . Standard Banks fincrime controls are lacking

My SO is more careful with personal information and her cards etc than I am (her being foreign) … she has been getting very weird emails with other email addresses that are similar to hers … blank emails saying nothing …


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[moedeez]

Standard Banks fincrime controls are lacking

Even if you raise awareness they can't do any preventative maintenance.

I reported that wegame or whatever that scam was called. this was SBSA's response.

"Thank you for the info. We'd have to have a reporting from a third party so we get our team to conduct an analyst.
Do you have anyone who processed a payment to them?
If yes, please get them to get in touch with our fraud team on 0800 222 050."

Basically, we can't do shit until after someone loses their money, and we won't investigate a dodgey account or even put a flag on it.

 

[D4RK_S0LD13R]

Can be different topic, but since you said "debit" card
Debit card is associated to the Bank Account, and the debit order can be made against the account, not the card.
Depends on the bank policy, it does say it was a "debit" order or swipe.
But bottom line is, debit card is just a medium to enable off-site debit order to your bank account.
So it is possible that the account details + phone number is compromised (Bank's primary phone number is normally used for the auth process)

 

[BearZA]

So I had a card cloned at a petrol station a few years ago. I do not use apple pay or store any card details on apps or sites, besides steam though... Someone wanted to charge R4k, thankfully I was broke AF and it did not go through, the fraud dept killed the card before they could try a lesser amount.

Was the card delivered to you or did you pick it up at the branch? It could be that the card was scanned by the courier?

Buggers are getting very sophisticated these days with scanning, imaging techniques.

FNB has an awesome fraud department btw.

Also, CCTV and security cameras are also getting higher def, I make a point of it to never have both sides of my card be exposed when transacting in stores, etc.

 

[SCHNITZEL ZA]

I do plenty of freelance on Upwork. For someone to withdraw monies you need a valid ID and they do a video interview with you after completing your registration.

So maybe just send Upwork a mail to find out if they can assist you.