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Title: Bank Investigation
  
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armac
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(Date Posted:01/11/2007 8:26 PM)

I am the corporate investigator for a regional bank, we have had two instances in the last 3 months of attempted fraud through a relay service. I have a few questions I would like to pose 1) In your daily work load,how many calls do you feel could be potential fraud? 2) Are you able to discern where a call request is originating from? 3) Do you have any suggestions that we might be able to pass along to our call center to help prevent relay fraud?Thanks
hatemyjobca
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(Date Posted:01/12/2007 12:29 AM)

Reply to : armac


I am the corporate investigator for a regional bank, we have had two instances in the last 3 months of attempted fraud through a relay service. I have a few questions I would like to pose 1) In your daily work load,how many calls do you feel could be potential fraud? 2) Are you able to discern where a call request is originating from? 3) Do you have any suggestions that we might be able to pass along to our call center to help prevent relay fraud?Thanks

in answer to your first question.. the majority of calls coming through the center that i worked at are scam calls.  question number two.. no there is no way to tell where the call is coming from if it s through ip relay.  through state relay the back number is the callers number, through ip relay the back number is an 800 number.  question number three...since nigerians manage to gain access to all personal information of a victim, i don t see how you can prevent fraud.  i would tell you to not deal with anyone through ip relay but that would not be fair to a legitimate user.   i suggest you call the fcc and complain about the fact that there are no restrictions for ip relay which leaves the door wide open to fraud.  i would also suggest that any caller through ip relay should be directed to come into your office in person instead of calling on the phone.  i know that doesn t sound fair but maybe if legitimate users are forced to do things like that, they might be more inclined to do something about the fact the service that was designed to be used by the hearing and speech impaired is being abused on a regular basis by nigerians and pranksters. 
Die Mofo
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(Date Posted:01/12/2007 7:01 AM)

My center does both state and internet relay. I'd have to say that 90-95% of the internet calls are fraud calls. It's pathetic. My suggestion to any businesses that receive internet relay calls is to inform the person calling that due to numerous fraud calls you have received, you no longer accept calls through internet relay and ask the caller to call you back through their state relay. If it's a legitimate deaf person then they'll be able to call you back. And if it's a Nigerian they won't.

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SlowFingas
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(Date Posted:01/12/2007 7:37 AM)

Reply to : armac

Answer to #3: When the bank receives an ip relay call, tell the caller that only registered deaf, hard of hearing, or speech disabled users are allowed to access their account using ip relay. "If you would like to access your account using ip relay, please come to the bank and register in person."



Ok, I tried. Good luck!
operatorhere
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(Date Posted:01/12/2007 8:43 PM)

To #3:  Just be sure that your bank call center reps are WELL INFORMED.  Make them follow ALL the protocols of gaining access to an account.  I would suggest that they go through any and all security questions on a "relay" person's account.  Too often, I hear about Bank reps giving in easily and ignoring the fact that they don't remember the Mothers Maiden Name, or the last 4 digits of the social,etc... and THAT is how they get in.

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I may be your operator, but I am NOT your bitch!
Robert Steinmann
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(Date Posted:01/12/2007 11:58 PM)

Reply to : hatemyjobca





question number two.. no there is no way to tell where the call is coming from if it s through ip relay. Since the ip relay service is intended for us citizens to call other us citizens, foreign ip's should be blocked.









The callcenters surely keep the server logs, don't they?





I agree with the above mentioned opinions. While it seems to be unfair at first glance to treat all customers this way, I can't imagine one that is secure. Maybe the deaf community finally wakes up if they realise that their given rights are *completely* useless entirely abused.

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Informations about Internet Scams: Fraudwatchers.org - Fake Bank Killing: aa419.org

Guidance about Love Scams: Internet-Love-Scams.org - Discussion about Pyramid-/Ponzi-schemes, HYIPs et al: Cattyshaq.com
what do u carry qq
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(Date Posted:01/13/2007 12:26 AM)

Reply to : armac


I am the corporate investigator for a regional bank, we have had two instances in the last 3 months of attempted fraud through a relay service. I have a few questions I would like to pose 1) In your daily work load,how many calls do you feel could be potential fraud? 2) Are you able to discern where a call request is originating from? 3) Do you have any suggestions that we might be able to pass along to our call center to help prevent relay fraud?Thanks


I have found that the bank reps are too willing to give out the customer's info.  Example


Bank Rep: May I have your acct nbr?


Scammer:  I don't have my account nbr but I have my ssn


Bank Rep: Ok


Instead it should go


Bank Rep: May I have your acct nbr?


Scammer: I don't have my account nbr but I have my ssn


Bank Rep: Your account nbr can be found on your statement, or your check.


Most likely the scammer will hang up.


I had a call the other day where the scammer didn't provide the acct nbr, was only able to provide the ssn and the bank rep gave them the balance of the conversation and the rest of the conversation went like this.....


Scammer: Pls tell me when I opened my acct


Bank Rep: Yes sir the acct was opened on may 3rd 2006


Scammer: Can u tell me what address u have for me?


Bank Rep: Yes sir we have u on 1313 mockingbird lane houston tx 77064


Scammer: Can u tell me the amount of my last deposit?


Bank Rep:  Yes, it was 12000.00 on Jan 3rd 2004


Scammer: Can u give me the last check nbr cleared and the amount?


Bank Rep: Yes that was check nbr 1111 on Jan 5th 2006


Scammer:  Can u tell me if I have any other accounts and those acct nbrs as well


Bank Rep: Sure, they are (and yes the rep goes on to give out more info)


 
operatot
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(Date Posted:01/13/2007 12:42 AM)

I actually had a REAL TTY call to the online banking center of BOA and was asking for a username/password reset.. I was like HOLY SHIT THIS IS REAL... that is RARE. RARE RARE RARE!



9.9/10 calls I get to any banking center are usually fraud. We (oprs) recognize them almost the instant the drop into our console.



Also they all seem to have the same script:

"can my ssn help" and they always copy paste their info like

NAME: Dude Dudes ADDRESS: 101 Dude Ave Duderson, DU ZIP: 112233 ect ect.



Real people talk like real people, scammers talk like scripted robots.

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HELLO OPERATOT PLS DAIL DAIL OPRTOT DAIL!!
operatorhere