Think I’ve been scammed

jos_kel · 29-07-2022 11:38pm #1

Got spurious text messages from Revolut yesterday supplying me with an authentication code I hadn’t requested.

Then account was locked until now and most of the money e.g. 20k has been cleared out.

Currently waiting for Revolut agent to reply in a chat which they said could take a few hours.

Am I likely to get the money back?

How comes Revolut weren’t contacting me yesterday?

Jim2007 · 30-07-2022 12:09am

Most likely Revolut didn’t contact you because the scammers had sufficient details of your affairs to get past the security checks. It does happen, otherwise the scammers would have got out of business long ago.

No one can say for definite until the matter has been investigated, but I’d say there is only a very slim chance that you won’t get the money back.

I know it’s too late for you but for others reading this - if you get a genuine validation request when you didn’t expect it you must react! It a good indication that something serious is afoot.

jos_kel · 30-07-2022 12:23am

On Revolut live chat but it’s taking forever and a day to get chatting to someone.

is there anyway of talking to a human urgently?

Pissy Missy · 30-07-2022 12:42am

https://www.boards.ie/discussion/2058256725/think-i-ve-been-scammed

Omg how horrific, hope you get your money back. Not the same thing, but my brother responded to one of those text messages from a fake bank of Ireland and all his money was gone but thankfully bank of Ireland reimbursed him as he was a victim of a criminal act.

jos_kel · 30-07-2022 12:44am

Thanks for the words of comfort.

Now I can’t even log into my account.

So frustrating that I can’t even get talking to anyone for a start at least.

jos_kel · 30-07-2022 1:17am

Please can anyone tell me what my next best step is?

fritzelly · 30-07-2022 1:32am

Has your sim card been cloned? Not something that really happens in Ireland

Seems strange to be getting authentication codes that you are not reacting to and then your account is cleared out - are you sure you didnt respond to some scam message etc?

If Revolut didnt do due diligence on transactions you should get your money back

10-10-20 · 30-07-2022 1:45am

https://www.boards.ie/discussion/comment/119406361#Comment_119406361

Probably to wait for the morning and raise a chat again at 7 or 8am. Keep specifying "speak to an agent" if you get a bot.

https://www.revolut.com/help/more/company/how-do-i-contact-customer-support

Please let us know how it goes - many of us have Revolut accounts and are keen to know how they handle this.

Good luck.

jos_kel · 30-07-2022 1:48am

I’m totally at a loss.

Someone from KBS rang me yesterday evening and said they had detected fraud and wanted me to log on to my KBC mobile app. I done that, by the way, didn’t divulge the passcode, nor click on any links.

I think that I may get my money back too but I wish Revolut would be more contactable for cases like this?

What do you recommend I do first thing in the morning as a first step.

By the way have a trip planned to Manchester to Old Trafford tomorrow.

so this is dreadful timing not that there ever is good timing for something like this

fritzelly · 30-07-2022 1:57am

https://www.boards.ie/discussion/comment/119406409#Comment_119406409

That is not how KBC do fraud detection etc - I had a fraud alert on my account recently (with KBC) and they went through recent transactions and asked is this ok etc, They did not ask me to sign in to the app - they wouldn't know if you did log in to your app

I think your phone/pc may be hacked

Jim2007 · 30-07-2022 6:12am

https://www.boards.ie/discussion/comment/119406294#Comment_119406294

Stealing someone’s money is always a crime…. The question is were you complicit in the act, if so you are unlikely to get your money back. But very few are so the expectation is that the money will be returned.

Jim2007 · 30-07-2022 6:26am

https://www.boards.ie/discussion/comment/119406409#Comment_119406409

If two different financial institutions detected fraudulent activity on the same day then the first thing you need to do is change the security access on every single account you have plus PayPal et all. And on any other account where you might have personal data. And if it were me, I’d do it from a computer other than the one I normally use.

After that check that all your devices are running the latest version of the OS, virus checkers are up to date and there is no malware installed on your devices.

Two scams in one day is a bit to much of a coincidence.

30-07-2022 7:12am

https://www.boards.ie/discussion/comment/119406195#Comment_119406195

you say if you get a "genuine" validation code when you didn't request it you must react?? Well firstly how is it "genuine" if you didn't request it?

Secondly how must you react?? (especially when Revolut cannot be contacted)

30-07-2022 7:13am

https://www.boards.ie/discussion/comment/119406530#Comment_119406530

and by the way OP good luck in this and keep us posted.... it's a nightmare when stuff like this happens

Jim2007 · 30-07-2022 8:08am

https://www.boards.ie/discussion/comment/119406530#Comment_119406530

The reason you are asked to validate a transaction is to ensure that it is genuine transaction. So a fraudulent transaction can set off a genuine validation request from the bank. That is why it is important to react even if you did not trigger the request, someone did!

How to react - difficult if you can't talk to an agent immediately, but while you are waiting: Login to your account, see what is happening on your account, change your login credentials. If you have a doubt about any of your cards consider cancelling them on line. And try and get in contact with your bank ASAP.

jos_kel · 30-07-2022 8:21am

Thanks for all the responses.

Im in the ‘In App’ chat on Revolut and no one is responding when I type ‘Live Agent’.

I will be feeling a little better if I could get web-chatting or on a phone to Revolut.

For the record going to report it to Guards at least.

10-10-20 · 30-07-2022 8:37am

Keep at it with Revolut, try every couple of mins.

BTW, I'm not victim-blaming here - but did you have shared PIN numbers with KBC and Revolut? Did you by any chance access the Revolut app around the same time as you accessed the KBC one? Was it done on a PC or phone?

Go to the Guards once both accounts are suspended.

jos_kel · 30-07-2022 8:56am

I don’t recall any of the above.

why are Revolut so elusive even for a web chat

TheChizler · 30-07-2022 9:05am

https://www.boards.ie/discussion/comment/119406409#Comment_119406409

That KBC one sounds like a scammer, genuine agents won't ring asking you to log into the app.

Fianceé got a very convincing one recently, they spoofed the real KBC number and had her old card number so sounded genuine, said they were sending her a text to confirm her identity and to read to verification code back them.

Obviously they were scammers trying to get into her account. If something like that ever happens hang up and call the number on your card to confirm.

jos_kel · 30-07-2022 9:29am

Thanks but I didn’t get scammed from money in KBC rather Revolut the bank I’m moving to

jos_kel · 30-07-2022 9:41am

In guards, they said transactions are pending but not gone through and to contact, but how to contact the bank.

My kingdom for a Revolut support person

drogon. · 30-07-2022 10:02am

Are you able to log back into the app ? Can you see who/which country the money was sent to ? Lots of banks have a lower threshold for currency transfers for newly added contacts. Surprised Revolut doesn't have something similar.

jos_kel · 30-07-2022 10:11am

Guards said freeze card and email

formalcomplaints@revolut.com

To prevent fraudulent transactions going from pending to approved

macvin · 30-07-2022 11:32am

https://www.boards.ie/discussion/comment/119406244#Comment_119406244

Not a chance in hell and the "chat" people are simply in a call centre and will know feck all. They do not do customer service well. That's why they don't charge fees and plaster their site with crypto adverts

Jim2007 · 30-07-2022 1:27pm

https://www.boards.ie/discussion/comment/119406800#Comment_119406800

How would the Garda be able to tell you that???

Cyrus · 30-07-2022 1:32pm

https://www.boards.ie/discussion/comment/119407541#Comment_119407541

I did wonder that

Jim2007 · 30-07-2022 1:33pm

https://www.boards.ie/discussion/comment/119407173#Comment_119407173

Revolut have a banking license and that means the must have an acceptable process for handling money laundering and that will have been signed off on and audited. So yes the will most definitely have to deal with this issue.

Jim2007 · 30-07-2022 1:37pm

https://www.boards.ie/discussion/comment/119406673#Comment_119406673

Try this number: +37052143608 and work your way through the process until you get to a person

jos_kel · 30-07-2022 2:30pm

Thanks but all automated and for all menu options it just redirects me to the infamous web chat.

didnt get talking to anyone.

Thanks anyway

jos_kel · 30-07-2022 2:31pm

Well it’s showing like a greyish icon for the higher bogus transactions.

would that suggest that they are still pending?

zg3409 · 30-07-2022 3:22pm

As others have said they may have remote access to your phone. Therefore when you log into things on the phone they are also in there and could transfer money out. They may have got control of your phone weeks ago and then try to use that access to get into any and all financial things like online banking, online bank apps, credit card numbers typed, Gmail or email for resetting passwords, SMS for receiving codes and resetting passwords. There is a high chance they will try repeatedly to connect and transfer money or copy credit card details or any account such as Netflix etc. These are experts and they will try lock you out and make you log into apps to help them. I recommend turning phone off and contacting banks and credit card company etc asking any suspicious activity on the account. By logging in using the phone you may be helping them log in. They can show you fake screens meanwhile in back round they are transferring money and typing in the SMS authorisation codes. Personally I would use a separate computer and a separate / friends phone. Put your phone back to factory settings and perform updates. You may have clicked on a weird link months ago e.g. an post parcel held, and then they had remote access to phone due to virus and still have access.

Think I’ve been scammed

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