0:00 So, I got scammed last night and I want
0:02 to tell you how it happened so you can
0:05 avoid it because everybody I've told,
0:07 even the people at the bank are in awe.
0:10 And so, I want to tell you what happened
0:11 so you can avoid it cuz there were two
0:13 mistakes that I made. So, last night
0:15 around 5:30, my bank calls and they say,
0:18 "Hello, Miss Malay. We have noticed some
0:21 fraudulent looking charges on your
0:24 account and we're calling to talk to you
0:25 about them. Have you recently tried to
0:27 make a $300 purchase at Walmart? No. Uh,
0:31 did you try to do a $600 purchase at
0:33 Target? Nope. And then he said,
0:35 "Perfect. We're going to go ahead and
0:37 shut down your card right now." And I
0:38 said, "Great. Thank you for looking out
0:40 for
0:41 me." Right. I mean, hello. And then he
0:45 said, "So, I'm going to text you a pen."
0:47 And I said, "Okay." And he did. And he
0:49 said, "Read me the number that comes
0:51 back." So, I gave him the number that
0:52 came back. And then he said, "We're
0:54 going to expedite you this new card, but
0:56 because it's Thursday, you're not going
0:58 to get it until Monday, but we'll need
0:59 to set up the PIN. So, what was your old
1:01 PIN?" And I told him that was mistake.
1:05 Uh, that was where I made a mistake. Uh,
1:08 so I told him I pinned. However,
1:10 everything seemed legit. The phone
1:12 number came from my bank. Okay. It was
1:15 my bank's phone number. the
1:18 um the fact that he sent me like a pin,
1:21 like he text me a pin and I had to get
1:23 him the number. That all seemed legit.
1:26 Everything he said just seemed
1:29 so incredibly
1:33 legit. Oh my gosh. I think he might have
1:36 even said, "So, just confirm just
1:38 confirm your old pen with me." And so I
1:40 said I gave him my old pen and he said,
1:43 "Okay, and now what's your new pen?" And
1:45 so I told him a new
1:47 pin anyway. And then like he was just
1:51 going through some things and I said to
1:53 him, "Now my bank recently changed
1:56 names." Okay. Like recently within like
1:59 the last week or two. So this all just
2:02 kind of seemed legit. So I said to them,
2:06 or what did I say? I said, "So you guys
2:07 are changing names right now." And he
2:09 said, "Yeah, we're just in the middle of
2:11 the merger." And I'm like, "Oh,
2:13 perfect." And then when he said goodbye
2:17 and he said thank you for banking with
2:20 he said the name of the new the new name
2:24 of the bank when he first called me. It
2:27 was the name of the old bank and then
2:30 when he said like I we had spoke we had
2:34 spoken about the name change he said
2:36 goodbye from the from the new bank. You
2:39 guys this was all so legit. Okay. So,
2:42 then I'm feeling great and then I look
2:44 at my account and I see that there were
2:47 some other charges, too. There's like a
2:49 $150 charge from a from a grocery store
2:52 in Henderson, Nevada. Um, a Sprouts in
2:55 Henderson, Nevada. There were about four
2:58 like a Circle K in Henderson, Nevada.
3:00 There were about seven charges totaling
3:02 about $400 from inside from Henderson,
3:06 Nevada. I live in Salt Lake City, Utah.
3:09 Uh, so this morning I call up my bank,
3:13 but I called the number like I just went
3:16 into recent calls and I just dialed it
3:19 straight back and it went to my bank and
3:22 I talked to a guy and I said, "You guys
3:23 called me last night. There was some
3:24 fraud, but I've noticed some other
3:26 charges and I just want to make sure you
3:28 guys are aware of them." And then they
3:29 transfer me to the fraud department. And
3:31 I told her this whole story about
3:33 exactly what happened. And guess what?
3:35 As soon as I as soon as I was telling
3:37 her a story, she said, "Did they ask you
3:39 for your pen?" And I said, "Yes." And I
3:42 said, "Oh my god, I got scammed. How did
3:45 I get scammed?" Like, "Oh my god." Like,
3:48 seriously. And I said to her, I said,
3:51 "I'm only 45. How did I get scammed?
3:54 It's not like I'm 85." Like, I should
3:56 have known better. And so, here's the
3:59 two things. when I went into the bank
4:01 today to go get a new debit card cuz now
4:03 you had to go back into the bank
4:05 physically. So, thanks for that person
4:07 in Nevada make me make an extra errand.
4:10 Not that my life is already
4:13 busy. Anyway, when I went into the bank
4:16 and I told them the story, they were all
4:18 flabbergasted, too. They said, "This is
4:20 crazy. They are getting so good." So,
4:23 here's where I made the mistake. Never
4:25 ever ever give out your PIN. If the bank
4:28 is calling you, they will have all your
4:31 information. Um,
4:33 also, if an institution is calling you,
4:36 they shouldn't have to send you a a
4:39 text, like a pin with a number. Um, and
4:43 she thinks that maybe they did that just
4:45 to seem more legit because quite
4:47 frankly, they did. That seemed legit.
4:51 Anyway,
4:53 so God bless my bank. They're taking
4:55 care of all of it. But um there you go.
4:59 Be forewarned. Don't get scammed like
5:02 me. Damn it.
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