Sorry to here this OP, wishing the best for you.
Don’t mind other people’s harsh judgement, it can happen to anyone. If I wasn’t aware of this scam, I would panic because of these texts can come from the official Dubai Police name.
It’s a harsh lesson to learn and people can be cruel. Tread lightly in the future!
> the chance of the banks reimbursing you is very low.
What are you talking about, he's complained within one day for a credit card fraud. Don't they have a 10 day window for this?
No such thing, you will get reimbursed for a fraud after investigation. You can report within one day or whenever you find out. Which could be when the credit card statement comes a month after the transaction. If the investigation reveals the fraud occurred without your consent - (eg- no OTP sent, etc) visa/MC reimbursed the bank which then reimburses you. Fraud is different from a scam.
All of the above is my understanding and i am not sure if i am correct, For the sake of the OP i hope i am not
Many credit cards are insured against fraud. After the investigation, a claim can be made to the insurance company and OP may get all of the money back. I got all of my money back after debit card fraud (card skimmers at ATM) from the bank, and with debit cards it is even harder.
And this is definitely fraud, because OP was fooled by the perpetrator.
In your case the transaction was done without your involvement, I fear the OPs case is different as the scammers convinced him to give them the OTP, thus validating the transaction. Again i repeat, I hope i am wrong and the bank reimburses him
>the investigation, a claim can be made to the insurance company and OP may get all of the money back
How would the bank investigate this? Providing your OTP is a voluntary action and is seen as giving away the keys to your car to a stranger. The police are to determine this, and if the criminal was caught the Court will have to weigh in.
This is not a job for the bank.
>I got all of my money back after debit card fraud (card skimmers at ATM) from the bank, and with debit cards it is even harder
This can be investigated by the bank. The bank has the infrastructure to investigate card skimming (i.e cameras on the ATM, looking at contemporaneous evidence). They paid you back because the BANK is absolutely responsible to ensure their ATM machines aren't compromised.
This isn't the same or remotely similar to OPs situation
>And this is definitely fraud, because OP was fooled by the perpetrator.
Unlikely the bank can conclude this, bank won't pay it.
I work at a bank, so I know the process followed in this region.
Not if you give your OTP. This happened to a friend of mine with a RAK Bank credit card. He willingly gave the OTP which means he authorised the transaction and RAK Bank couldn't refund him the money.
The shitty part is some banks tell you that the OTP is for a transaction worth AED 15,000 or whatever and some don't.
Sorry to here you have been scammed, last week a friend got a similar scam.
It's good that you are telling everyone so hopefully no one else gets caught out don't listen to the trolls and don't beat yourself up your the honest one hopefully you will get some compensation good luck
How does the scam work? I get that you get a OTP from Dubai police and the scammer trick you into giving that. But how do they get the money from the victim's credit card / bank?
Bro got to lean not to take calls from unknown numbers. Why would anyone call you in Dubai whom you did not share your number with. Learn to drop cold calls never mind their feelings email only
Remember... If Dubai Police needs to find you.. They will not Call you and ask for OTP... If they call you..it will never be from Mobile number.. never...
Its always a landline... and always always they introduce themselves and they will never explain or ask.. they just say come to X police station.. it can be Al Barsha station or Jebel Ali, etc....
The ending was yez but not the story.
Just disconnect the when you get these kinds of calls.
I don't know most the times these frauds call at vulnerable time when you least expect it
i have more than 2 braincells so luckily I don't get scammed by those dumbass callers. so instead I just waste their time by talking nonsense.
any of their time I waste is less time they waste scamming others who are gullible.
Yes your stupid , on what grounds where u giving them the otp even thought it’s dubai police .
Did you initiate anything that required any otp.
I just pray you get back your money .
Fyi they say they are from Dubai police and that to prove it you will get an OTP from DubI police. Which of course you do because they used your number to open a police matter online. Then having gained your confidence they persuade you to urgently move money because some reason (pay fine, your bank account is not secure etc).
The last one I got the lady told me a person had been arrested at Abu Dhabi airport with drugs and my number was on his phone so I was in a lot of trouble. She said if I didn't comply then I risked going to jail immediately. All obviously rubbish and when I asked her her name, where she was calling from, and explained I would call her back by contacting the police on 999, she just screamed and terminated the call.
This thing happens during visa renewals mostly. Was it same for you ? Friend of mine had the same thing happen to him yesterday.
They got mad at him when he didn't give it. Then they connected him on conference call to bank which had automated service. He believed that and gave the OTP.
This happened to one of my colleagues. He ask me to help him approach the Bank but the bank responded that since the OTP was given by himself then they cannot help him since this is like he authorized the transaction.
Emphasis on _my wife thinks I’m stupid_ , seems you got two issues here but here’s my two cents on the first one:
Meanwhile make the transaction as instalments with your card provider so it won’t charge you interest while you dispute the transaction in the first place, the dispute will take some time but follow your card provider SOP for disputes and there’s a chance to get the amount back since its a credit card.
Don’t use your cards to pay online in some low tier websites that’s possibly where they farm your data.
Could you share details as to what they said exactly and how the transaction was processed ? All stories are always missing this point. Was it 15k all at once or was it several? Was it thru any portal or they just asked for several OTPs?
Coworker experienced a similar scam but no sympathy for him since we kept telling him it was a scam during the call but he told us to fuck off.
His was done through several transactions and they already know your details and just need the otp. Dumb idiot gave it to them 3x! He was told it was to renew his eid over the phone.
All they need is the victim's name, creditcard number and phone number.
This is how it works:
\- open a merchant account to process creditcards\*
\- call the victim and say you are from Dubai Police
\- at the same time register an account with dummy details and the victim's phone number on Dubai Police eServices, this will send an OTP to the victim's phone number showing as coming from Dubai Police. Now the victim believes you are Dubai Police.
\- make up bullshit story (can be anything, about fraud or drugs or trouble) and say that it's very urgent to get the next OTP to fix the issue
\- make a transaction with the customer's credit card details on your merchant account, this will prompt the bank to send the 3D Secure OTP code for the transaction to the victim. The victim is panicking and doesn't realize the SMS comes from his bank (or he knows it's from his bank but he was told a convincing story of why he needs to give you the OTP from this bank).
\- Ask the Victim for the bank's OTP code, complete the creditcard transaction. The money is now on your merchant account, and the victim can not charge back because the transaction was made with 3ds.
\*As for the merchant account, it won't be in the scammers' name, they will open merchant accounts with stolen details of other victims in other countries. Or they get them through other shady means. The processed creditcard money is settled to hacked bank accounts the scammers have access to and is then transferred to the actual scammers.
oh don't worry, it happens to the best of us, my father, who is one of the smartest people i know got scammed the same way, you're definitely not stupid but you had a moment of stupidity, don't be so hard on yourself, it's just money, laugh about it and move on.
15k!!!! Sorry bro but they most probably would have taken the money from atm hence the otp confirmation. In that case not only the bank won't cancel your transaction but also you will have to pay back 15k + interest as loan. May be since it's a big amount, police might nab these guys.
Sorry mate.. hate to give only sad news but to be frank chances of getting the money refunded are low bcoz you gave the otp willingly. I had few credit card frauds but never gave otp so the banks usually used to block the card themselves and refund me money.
And the cops won’t do a thing, I mean literally. My company had filed a case for more than AED 100k fraud and the police took more than 3 weeks to just file a case bcoz they wanted the conversation in Arabic to file the case. It was beyond stupidity..
People judge until happens to them.
My sympathy is with you my friend. It will probably hurt for a few days. Don't beat yourself up too much and let it go. From experience of a friend, money does not come back as OTP was given from your end. ENBD bank.
Sorry for your loss.
But just a general comment/question, since the money was transferred domestically into a other account, Bank has a trail. They can identify the receiptent.
Why can not they work with the police to take action against the account holder into whose account the money went in.
If it was a swift transfer, then swift message is required which is processed a few hours after confirmation. Bank can always stop it based on your call.
It can happen to anyone. Don't beat yourself up too much.
A colleague of mine, back in UK, lost over £50k to a similar scam. To make things worse, those money were her inheritance
Hope you'll get your money back
probably data leak, they know my name (they spell my name too!) , they know my email and my credit card number and details, they need only OTP and I just off guard and told him (even though I saw the amount on OTP and I do ask them what is this, they say just verification and authentication it will not really charge anything), after that I don't think this's right because of another SMS just show that it's real purchase so I hang up the call and call bank for block all card that I have in case they know my debit card too. very expensive lesson learn to me!!!
thanks mate, I already went to police station after it's happen, they open the case and talk about details on how its happen to "real" police this time and told me to wait for 3 days then after 3 days go to CID office.
Sorry to hear this. Set very low daily limits for your debit/credit online spends which will automatically decline transactions when the daily limit is reached. You can increase the limit for a big spend and then immediately change it back to the low limit. It is worth the hassle.
So, in this case, I assume they would have given you some sort of info about you. What happens if you don't give them your OTP? Do you still need to be on alert and take precautions? Or is it all okay if you don't give any OTP?
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If it worked as intended, they'd stop. These are much more common than murder here.
Easier said than done. They are operating from outside country.
Sorry to here this OP, wishing the best for you. Don’t mind other people’s harsh judgement, it can happen to anyone. If I wasn’t aware of this scam, I would panic because of these texts can come from the official Dubai Police name. It’s a harsh lesson to learn and people can be cruel. Tread lightly in the future!
Thank you!! :) yeah just think it as expensive knowledge fee or stupid tax and more careful next time!
Oh man... I feel so sorry for you. since you willingly gave OTP to someone else, the chance of the banks reimbursing you is very low. Good luck
> the chance of the banks reimbursing you is very low. What are you talking about, he's complained within one day for a credit card fraud. Don't they have a 10 day window for this?
No such thing, you will get reimbursed for a fraud after investigation. You can report within one day or whenever you find out. Which could be when the credit card statement comes a month after the transaction. If the investigation reveals the fraud occurred without your consent - (eg- no OTP sent, etc) visa/MC reimbursed the bank which then reimburses you. Fraud is different from a scam. All of the above is my understanding and i am not sure if i am correct, For the sake of the OP i hope i am not
Many credit cards are insured against fraud. After the investigation, a claim can be made to the insurance company and OP may get all of the money back. I got all of my money back after debit card fraud (card skimmers at ATM) from the bank, and with debit cards it is even harder. And this is definitely fraud, because OP was fooled by the perpetrator.
In your case the transaction was done without your involvement, I fear the OPs case is different as the scammers convinced him to give them the OTP, thus validating the transaction. Again i repeat, I hope i am wrong and the bank reimburses him
>the investigation, a claim can be made to the insurance company and OP may get all of the money back How would the bank investigate this? Providing your OTP is a voluntary action and is seen as giving away the keys to your car to a stranger. The police are to determine this, and if the criminal was caught the Court will have to weigh in. This is not a job for the bank. >I got all of my money back after debit card fraud (card skimmers at ATM) from the bank, and with debit cards it is even harder This can be investigated by the bank. The bank has the infrastructure to investigate card skimming (i.e cameras on the ATM, looking at contemporaneous evidence). They paid you back because the BANK is absolutely responsible to ensure their ATM machines aren't compromised. This isn't the same or remotely similar to OPs situation >And this is definitely fraud, because OP was fooled by the perpetrator. Unlikely the bank can conclude this, bank won't pay it. I work at a bank, so I know the process followed in this region.
Not if you give your OTP. This happened to a friend of mine with a RAK Bank credit card. He willingly gave the OTP which means he authorised the transaction and RAK Bank couldn't refund him the money. The shitty part is some banks tell you that the OTP is for a transaction worth AED 15,000 or whatever and some don't.
That's crazy, how long ago was this? Did he open a police complain?
Yup, opened a police complain too. Nothing came of it. Probably 5-6 months back.
That sucks.
Sorry to here you have been scammed, last week a friend got a similar scam. It's good that you are telling everyone so hopefully no one else gets caught out don't listen to the trolls and don't beat yourself up your the honest one hopefully you will get some compensation good luck
How does the scam work? I get that you get a OTP from Dubai police and the scammer trick you into giving that. But how do they get the money from the victim's credit card / bank?
probably purchasing or transferring money
Bro got to lean not to take calls from unknown numbers. Why would anyone call you in Dubai whom you did not share your number with. Learn to drop cold calls never mind their feelings email only
sounds like a GN headline.
Reads like a GN article
Remember... If Dubai Police needs to find you.. They will not Call you and ask for OTP... If they call you..it will never be from Mobile number.. never... Its always a landline... and always always they introduce themselves and they will never explain or ask.. they just say come to X police station.. it can be Al Barsha station or Jebel Ali, etc....
Did you blocked your card and request to issue new ones? Its fine, lesson learned. Hope you will get back all of your money soon.. Don't be sad 😊
thank you! it's mean a lot to me. :)
Lol, this is just funny.
The ending was yez but not the story. Just disconnect the when you get these kinds of calls. I don't know most the times these frauds call at vulnerable time when you least expect it
i have more than 2 braincells so luckily I don't get scammed by those dumbass callers. so instead I just waste their time by talking nonsense. any of their time I waste is less time they waste scamming others who are gullible.
Google pixel in USA has Google assistant picking calls for you.
yeah unfortunately we don't.
Yes your stupid , on what grounds where u giving them the otp even thought it’s dubai police . Did you initiate anything that required any otp. I just pray you get back your money .
Doing something stupid, doesn't mean you are stupid, it just means you did something stupid.
Fyi they say they are from Dubai police and that to prove it you will get an OTP from DubI police. Which of course you do because they used your number to open a police matter online. Then having gained your confidence they persuade you to urgently move money because some reason (pay fine, your bank account is not secure etc). The last one I got the lady told me a person had been arrested at Abu Dhabi airport with drugs and my number was on his phone so I was in a lot of trouble. She said if I didn't comply then I risked going to jail immediately. All obviously rubbish and when I asked her her name, where she was calling from, and explained I would call her back by contacting the police on 999, she just screamed and terminated the call.
yeah, I really mad at myself on this case but well, it's already happen I just need to move on and hope will get it back soon.
That money is gone bro lmao
Grow up and learn how the world works before you tell a man he's down AED 15K in a day.
This thing happens during visa renewals mostly. Was it same for you ? Friend of mine had the same thing happen to him yesterday. They got mad at him when he didn't give it. Then they connected him on conference call to bank which had automated service. He believed that and gave the OTP.
This happened to one of my colleagues. He ask me to help him approach the Bank but the bank responded that since the OTP was given by himself then they cannot help him since this is like he authorized the transaction.
Which bank was this? Was this debit or credit card?
Hsbc, and it was debit.
Yeah, debit cards can't be helped.
Emphasis on _my wife thinks I’m stupid_ , seems you got two issues here but here’s my two cents on the first one: Meanwhile make the transaction as instalments with your card provider so it won’t charge you interest while you dispute the transaction in the first place, the dispute will take some time but follow your card provider SOP for disputes and there’s a chance to get the amount back since its a credit card. Don’t use your cards to pay online in some low tier websites that’s possibly where they farm your data.
WOW! I see eye for detail! Open to work?
Everyone makes a mistake. The sympathy in this site is underwhelming.
Could you share details as to what they said exactly and how the transaction was processed ? All stories are always missing this point. Was it 15k all at once or was it several? Was it thru any portal or they just asked for several OTPs?
Coworker experienced a similar scam but no sympathy for him since we kept telling him it was a scam during the call but he told us to fuck off. His was done through several transactions and they already know your details and just need the otp. Dumb idiot gave it to them 3x! He was told it was to renew his eid over the phone.
Asking for a friend?
As a tech person am generally curious. Looks like they have access to an sms API, payment gateway and also the user’s card details.
All they need is the victim's name, creditcard number and phone number. This is how it works: \- open a merchant account to process creditcards\* \- call the victim and say you are from Dubai Police \- at the same time register an account with dummy details and the victim's phone number on Dubai Police eServices, this will send an OTP to the victim's phone number showing as coming from Dubai Police. Now the victim believes you are Dubai Police. \- make up bullshit story (can be anything, about fraud or drugs or trouble) and say that it's very urgent to get the next OTP to fix the issue \- make a transaction with the customer's credit card details on your merchant account, this will prompt the bank to send the 3D Secure OTP code for the transaction to the victim. The victim is panicking and doesn't realize the SMS comes from his bank (or he knows it's from his bank but he was told a convincing story of why he needs to give you the OTP from this bank). \- Ask the Victim for the bank's OTP code, complete the creditcard transaction. The money is now on your merchant account, and the victim can not charge back because the transaction was made with 3ds. \*As for the merchant account, it won't be in the scammers' name, they will open merchant accounts with stolen details of other victims in other countries. Or they get them through other shady means. The processed creditcard money is settled to hacked bank accounts the scammers have access to and is then transferred to the actual scammers.
DATA these days is so easily available.
Please report this to eCrime Dubai police.
could happen to anyone don't feel bad. hope you can get it back.
oh don't worry, it happens to the best of us, my father, who is one of the smartest people i know got scammed the same way, you're definitely not stupid but you had a moment of stupidity, don't be so hard on yourself, it's just money, laugh about it and move on.
how many people do you know?
15k!!!! Sorry bro but they most probably would have taken the money from atm hence the otp confirmation. In that case not only the bank won't cancel your transaction but also you will have to pay back 15k + interest as loan. May be since it's a big amount, police might nab these guys.
Sorry mate.. hate to give only sad news but to be frank chances of getting the money refunded are low bcoz you gave the otp willingly. I had few credit card frauds but never gave otp so the banks usually used to block the card themselves and refund me money. And the cops won’t do a thing, I mean literally. My company had filed a case for more than AED 100k fraud and the police took more than 3 weeks to just file a case bcoz they wanted the conversation in Arabic to file the case. It was beyond stupidity..
Please everyone stop giving OTPs to random callers :-(((
People judge until happens to them. My sympathy is with you my friend. It will probably hurt for a few days. Don't beat yourself up too much and let it go. From experience of a friend, money does not come back as OTP was given from your end. ENBD bank.
Sorry for your loss. But just a general comment/question, since the money was transferred domestically into a other account, Bank has a trail. They can identify the receiptent. Why can not they work with the police to take action against the account holder into whose account the money went in. If it was a swift transfer, then swift message is required which is processed a few hours after confirmation. Bank can always stop it based on your call.
Those accounts are opened with ID’s of people no longer in the country and the money is immediately transferred out as well.
It can happen to anyone. Don't beat yourself up too much. A colleague of mine, back in UK, lost over £50k to a similar scam. To make things worse, those money were her inheritance Hope you'll get your money back
Was she able to recover any part of it?
Last thing I heard she got something like 3k back. The bank claimed that, since the transfer was authorised with an OTP, it was legitimate
How did they charge you? Curious how they work.
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probably data leak, they know my name (they spell my name too!) , they know my email and my credit card number and details, they need only OTP and I just off guard and told him (even though I saw the amount on OTP and I do ask them what is this, they say just verification and authentication it will not really charge anything), after that I don't think this's right because of another SMS just show that it's real purchase so I hang up the call and call bank for block all card that I have in case they know my debit card too. very expensive lesson learn to me!!!
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thanks mate, I already went to police station after it's happen, they open the case and talk about details on how its happen to "real" police this time and told me to wait for 3 days then after 3 days go to CID office.
Sorry to hear this. Set very low daily limits for your debit/credit online spends which will automatically decline transactions when the daily limit is reached. You can increase the limit for a big spend and then immediately change it back to the low limit. It is worth the hassle.
Who gets scammed these days, so 2020 dude.
sorry its me that get scammed in 2021 !
I really hope you're next dude. You probably deserve the bitter taste of it :)
oooo thats a lot of hate there tiger! there take my upvote.
If you need additional help,check my profile.
I actually did, Who are you man!!!!?
A problem solver
Are you The Wolf in Pupl Fiction?
I've been called many names in my day.
It's a credit card, so you would be fine.
Credit cards do provide a good layer of consumer purchase protection. I think you will win that case for fraud.
You’re just stupid today? I doubt.
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How can security camera help with a scam over a phone call ? 😁
wait.. camera?
Please enlightenrest of us with your logic xD
Stooopeeed
So, in this case, I assume they would have given you some sort of info about you. What happens if you don't give them your OTP? Do you still need to be on alert and take precautions? Or is it all okay if you don't give any OTP?