Courier Fraud - Police Advice

Advice received from Wiltshire Police:

Please find below information regarding a type of courier fraud that I have been sent and want you all to be made aware of. Please pass on as you deem necessary.

Fraudsters continue to target customers from various banks in an attempt to obtain their credit/debit card and associated details. Although modus operandi varies the fraud largely involves the following steps:

· Customer is telephoned and instructed that their card(s) has been compromised. The suspect calls customer and claims to represent their bank or local police if it is a crime in action. Customer is informed that their card(s) has been compromised.
· Social engineering takes place. The caller requests banking information, PIN and security information either verbally, or is asked to type details into the telephone keypad. The fraudster uses the audio tones from the keypad entries to decipher the victim’s PIN. The customer is informed that a courier will be sent to collect the card.
· If the customer is suspicious about the authenticity of the call, the customer is asked to call their bank directly. The suspect keeps the phone line open so when the victim calls back, they get through to the same individual. In some cases, it has been reported that the suspects play a recording of the banks music/options again to make the call seem authentic. .
· In some cases the customer is instructed to cut the card into two pieces through the magnetic stripe on the back of the card. The customer is informed that the chip must retain intact for forensic investigation.
· A courier, or in some cases a taxi is dispatched to collect the card(s). The customer is instructed that the card(s) have been cancelled and that a courier will personally collect for destruction purposes. In some cases, the customer is asked to put the card/s into an envelope ready for collection.
· The courier/taxi arrives to collect the card(s). In some cases the customer is given what they believe to be a replacement card in an envelope. Once the customer opens the envelope they may find a counterfeit card enclosed.
· Customer/bank realises that they have been the victim of fraud when (a) they attend their local branch to order new cards at the request of the suspect or (b) when fraudulent spend is detected by the bank or financial products have been applied for using their details.

To add elements of authenticity the courier may request that the customer places the card(s) into an envelope, after which they are given a code which is written on the package. The courier also plays a fairly dismissive role, complaining about parking charges and stating that they need to make contact with their controller to ascertain where the card(s) should be delivered.

All sectors of society have fallen victim to this fraud type, however suspects have been known to target the more vulnerable sectors of society such as the elderly.

Below is advice valuable to tackling this sort of criminality;

· Banks will never send someone to your home address to collect your card.
· Your bank will never ask for your PIN.
· It is common practise for banks to make contact with their customers if fraud is suspected. Customers are advised if a call is received from anyone asking for personal/banking data, to advise the caller that they will call the number on the back of their card. They are advised to ensure that there is a dial tone before calling back.
· Victims to monitor their account and credit history to detect any further compromises.
· Victims to reassess their information security practises and implement basic steps, such as regularly changing card PIN numbers, shredding all personal information prior to disposal and when shopping online register cards with Verified by Visa or MasterCard SecureCode.

Kind Regards,
Jonathan Mills PCSO 6093
Marlborough Police Community Support Officer
Phone: 101 ext. 739-817
Mobile: 07969 501963

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