AIB has warned customers that it will never ask for a credit card refund, following reports of a scam by fraudsters involving innocent taxi drivers.
In an email sent to customers today, the bank said: “It may seem like a strange idea, but it shows how far fraudsters will go to get their hands on your card.
“We have heard of cases where a fraudster, posing as AIB, calls or texts you to tell you that your card details are already in the wrong hands of criminals, and we (AIB) have organized a taxi to collect your card. from you.”
The bank said a “real taxi” would then arrive, collect the card and “innocently deliver” it into the hands of a “real criminal” who could then access the money in the account.
AIB said that while its representatives may call customers about suspicious card activity, they “will never ask you to retrieve your card.”
The press release adds: We will never send a taxi to collect the card. We will never ask you to click on a link. If you receive a call about suspicious activity on your card and the call seems strange to you, simply hang up. You can also block your card or cancel it online.
“Never give your bank card to a third party and never give out your PIN code, one-time use codes or bank details/passwords online.”
It comes earlier this month as the Garda National Economic Crime Bureau (GNECB) warned the public about a fraud ring that targets bank accounts, “using third parties to enable fraud”.
The GNECB said the fraud occurs when fraudsters send SMS/texts with a link to what appears to be a genuine banking website. The SMS/text appears to be from a bank and the bank’s initials are included in the link to make it appear authentic.
When the victim clicks on the link and enters their personal data, the fraudster monitors the connection, and retrieves their personal data, the connection number and the password/code.
They then call the victim, posing as the bank’s fraud department, and convince them that their account is compromised and their bank card is needed by the bank for “forensic testing” or some other reason.
The fraudster tells the victim that the bank will send a third party to retrieve the card. The victim is advised to put the card in an envelope and write the PIN code on the outside. He must then hand it over to the third party upon his arrival.
The fraudster frequently calls the victim when the third party arrives to induce delivery of the envelope. The innocent third party may also have been contacted through an app or other social media to collect the envelope from the victim and deliver it to an agreed location, usually near a bank. They will be greeted by a person on foot who will take possession of the card.
The card is then used to withdraw cash and transfer funds from the victim’s account. Gardaí said the fraud resulted in the theft of “very large sums of money” from the victims’ bank accounts.
The GNECB said members of the public should: “Never click on links in an unsolicited text message, never give out your PIN or one-time codes, or online banking details/passwords – your bank will never ask for these details, will never act on advice or instructions received during an unsolicited call, never download an application on the instruction of an unsolicited call, never hand over your Bank Card to a third party.