To “verify the identity” of the customer, the fraudster asks for their online banking username, and then tells the customer to read back a passcode sent via text or email. The caller’s number will be spoofed so that it appears to be coming from the victim’s bank. ![]() Here’s what one of those scam messages looks like:Īnyone who responds “yes,” “no” or at all will very soon after receive a phone call from a scammer pretending to be from the financial institution’s fraud department. Last week’s story warned that scammers are blasting out text messages about suspicious bank transfers as a pretext for immediately calling and scamming anyone who responds via text. What follows is a deep dive into how this increasingly clever Zelle fraud scam typically works, and what victims can do about it. ![]() Naturally, a great deal of phishing schemes that precede these bank account takeovers begin with a spoofed text message from the target’s bank warning about a suspicious Zelle transfer. ![]() One of the more common ways cybercriminals cash out access to bank accounts involves draining the victim’s funds via Zelle, a “peer-to-peer” (P2P) payment service used by many financial institutions that allows customers to quickly send cash to friends and family.
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