Beware of 'Gift Delivery' Fraud Scam
Knock, Knock. "Can I have your debit card number and PIN?" Would anyone divulge this confidential information to a stranger at his or her door?
Unfortunately, an elaborate social engineering scam resembling a legitimate gift delivery has been successful in getting this information from unsuspecting cardholders.
How the Scam Works
The fraudster calls a household to announce an upcoming delivery. A "delivery person" comes to the residence with a gift basket containing flowers and wine. The recipient is told that a card will arrive separately. The delivery person then explains that because the gift contains alcohol, a $3.50 verification charge is needed to prove that the package was delivered to a person of legal drinking age, and it must be paid with a credit or debit card and PIN. After swiping a card on a small mobile device, the customer is asked to enter his or her PIN into a keypad.
The victim receives the gift and even a receipt. Over the next few days, however, large dollar amounts are withdrawn from ATMs using the stolen credit or debit card information and PIN.
Tips for Prevention
Please help your cardholders prevent this type of scam by watching out for these red flags when they are presented with gifts:
There is no card or information about who sent it
They are asked to pay a delivery fee for any reason, including "proof of legal age"
In general, customers should keep the old adage in mind: "If it seems too good to be true, it probably is!"