Phone Scams Alerts!!! 03-27727359
TLDR;A call pretended as bank (AEON) representative called me saying that my credit card was abused and then ask me to call BNM through 03-27727359. It is a scam. Please call the bank yourself, google and ask your friend before doing anything.
This morning I received a call from AEON transaction department via 03-27199999 which is the official Aeon Credit Service Number. The customer service agent, Joanne Lee requested me to verified a RM 4999 transaction from KLIA Machines. Being a tech-guy myself I know its a MAC Book Air 13' with 1.6GHz Processor 256 GB Storage. Of course I denied that transaction as it didn't happen.
She acted surprise and double check the card info with me. She informed me that the card (4563-0602-2236-4579) was registered in AEON Ipoh Station 18 on 04-July-2016 using my name, IC and a Ipoh Jaya address. At this moment, it seems to be clear that someone has used my ID to register a credit card and spent it.
I, of course asked for guidance and advise from her. She said that she is going put all transactions on hold and will log a case to BNM. She also asked me to go Bank Negera Myself to log a fraud case, or I can call Bank Negara via 03-27727359 and report my case through the bahagian laporan. I recorded all the info that she gave me and hung up the phone.
The next logical thing for me to do is to call the BNM to report a fraud case. However as a citizen in Bolehland, I normally do things with cautious. The motto "trust, but verified" kicked in. I wrote a note to verify the phone number she gave me.
Search the phone number 03-27727359 return only 1 result from Sinchew daily suggested that this is a scam.
Upon open the link I found out that the news just release today at 12.10, 2 hours before the scammer called me. The scenario look exactly the same as mine. Apparently this is a new way to scam and fortunate enough ( unfortunate?) I'm among their early targets.
I also called AEON bank Credit Service and they have verified that I don't own a second card. They also shared with me that they started to received similar inquiries since few days ago and the card number that I shown above are non-existent. Their management has made aware of the current situation and will do the necessary actions as required.
Finally, to report a fraud to Bank Negara the phone number is 1-300-88-5465. A quick search in google has reached to the right place - http://www.bnm.gov.my/
The story has come to an end. As a retrospective, I realized that their whole setup involved both technological and psychological tricks:
- Caller ID Spoofing - The call I received shown as 03-27199999 which is a official AEON Credit Service Phone Number. Of course, you know its fake by now. This is a technique to show call receiver a different number than the original caller. To know more about caller ID spoofing refer to https://en.wikipedia.org/
- Human nature -Lazy - They know human now want to do thing fast, if we can pay a bill online we won't go to bank. So they started by saying walk in and report to BNM office to gain your trust. After that give you a phone number to set you up for the second part of the scam.
- Inception - Scam within another scam - They raise the attention by giving you a situation that you have been scam to drag your attention. This make you unconsciously treating them as the good guy, indirectly making you trust them and listen to them.
So what happened to the second part of the scam?
I did actually call the phone number. The number lead me to a call system start with " Thank you for calling Bank Negara, for bahasa melayu, press 1, english press 2".
A guy with clear voice pick up the call. I told him about the story as he seems to be very curious ( we call this acting don't know). He asked which bank that my card was abuse. I told him Aeon. He said in such case he need to record my name and phone number which they will call me back. I hung up the phone at this point as I don't want to give them my info although they already have my info.
I could imagine once I leave my contact detail, they will categorized me as "confirmed water fish" category. Someone will then call me and set me up so that I would pay them for whatever "Pay us to verify your account detail is accurate" kind of scenario to finish the show.
The whole setup is very well prepared, thought through. On one end, I'm impress with the whole setup on how thorough they plan the whole system. In the other hand, Its such a waste they use their talents in a wrong way.
I almost got tricked albeit I'm very well aware of the potential technology, technique used and scams around us. I believe many will fall into it and eventually got scammed hence I'm writing my experience down to warn the public.