Mbna Phone Call

[fourteen85]

I had a phone call on Sunday night , the phone said MBNA calling. A very pleasant chap telling me ofa charge being charged to my account, I told him it wasn't authorised as I hadn't made any purchases. he started asking questions , so after maybe a minute I asked him his name , which he gave me, then i said i was hanging up and calling the MBNA fraud dept which i did, before i could ring out he was back on the line asking for some more details. I hung up again and the called the fraud department, (1.75 hour wait). they had not made any calls to me but could see that a purchase had been attempted on my card. the Question is how are spammers able to get MBNA phone number and use it to call me??

[THECORBYLOON]

'Phones show the caller ID but what is known as, "spoofing" allows a false number to be displayed.

Fraudsters will have access to lists of various numbers so having an MNBA fraud number to display is not unusual.

[barry1010]

No idea how they got your phone number, nothing online about a data breach at MBNA.

What sort ofquestions was he asking? Did he know your name and other personal details?

[THECORBYLOON]

Most of these calls are made to thousands if not hundreds of thousands of random numbers and chance will mean some will be, as in your case, an MNBA customer.

[fourteen85]

barry, not sure now if he knew my name or not, I was so taken aback by the call I am not sure. after he rang a second time he then told me he would send an access code which he wanted me to repeat back to him, thats when i hung up again . the code did appear but obviously I didnt read it back to him, the attempted transaction was to Izettle for £2000.00

[barry1010]

I suppose you should just be grateful they blocked the transaction but it is a huge coincidence that you got the phone call.

[fourteen85]

I am presuming that somehow the guy on the phone sent the authorisation code , how i am not sure, anyhow, hopefully all sorted now, new card issued

[bobbinwales]

No the guy was a scammer who wanted the access code that would only get sent to your phone.... he would then enter it on his online transaction with itzer

[bobbinwales]

scammer makes a purchase using your MBNA card number. (dont know how he knew your number and card). MBNA then check its you by send a code to your phone which has to be enetred online to confirm the transaction

[youngmafbog]

Correct Bobb, its known as MFA (or 2FA).

Card details could have been got from anywhere.

[bobbinwales]

Yes, agree about card details but not sure about 1485s phone number....
Of course it could be some rogue employee at a company he recently did a purchase with online

[RemingtonCrawfor]

I had a similar experience once where I got a call from someone pretending to be from my bank. They had all the right info and even used a local number, but something felt off. I ended up calling my bank directly, and they confirmed it was a scam. They suggested checking https://whocalled.co.uk, which showed the number was flagged for scams. It’s pretty unsettling how scammers can spoof legitimate numbers. Always better to hang up and call your bank using a number you know is real.

[bhg481]

With a 1.75 hour wait from the MBNA Fraud dept I'd be looking for a different card company.

[fourteen85]

BHG, Thats what i did in the end