€2890 was taken (account balance was €2958). She got a text, looking like from BoI, saying there was suspicious activity on her account and to click "this link" to accept or reject the transaction. She clicked! She then got a screen asking her to accept/reject the transaction for amount €2890. She selected reject (or cancel) and it then asked her to input her card details ... and so on. When completed, she felt uncomfortable so called the bank; they confirmed she was scammed and cancelled her card, changed pw, etc.How much was taken?
If she emptied her account into someone else's, it's a bit much to expect the bank to be responsible.
I don't see what it has to do with Revolut? Someone was clearly impersonating them. You can't blame Revolut for that.
Brendan
Had the scammers prior knowledge of how much was in her bank account? Seems an unlikely coincidence that they looked for a little bit more than was actually in her bank account?€2890 was taken (account balance was €2958). She got a text, looking like from BoI, saying there was suspicious activity on her account and to click "this link" to accept or reject the transaction. She clicked! She then got a screen asking her to accept/reject the transaction for amount €2890. She selected reject (or cancel) and it then asked her to input her card details ... and so on. When completed, she felt uncomfortable so called the bank; they confirmed she was scammed and cancelled her card, changed pw, etc.
??Seems an unlikely coincidence that they looked for a little bit more than was actually in her bank account?
Why cant the Bank follow the money trail?
Actually the amount taken was a little bit LESS than the balance, €2890 taken vs a balance of €2959 and they did indeed highlight this amount BEFORE account/card credentials were provided so we did ask the bank how was it that it seemed the fraudster knew the balance in the account.Had the scammers prior knowledge of how much was in her bank account? Seems an unlikely coincidence that they looked for a little bit more than was actually in her bank account?
Also the amount taken would have put her account in an overdraft situation. Small but still an overdraft. Had she an overdraft facility or was it an unauthorised overdraft?
It might be worth challenging the bank on these points.
Actually we do have a CHARGEBACK dialogue ongoing with the Bank but it is in a bit of a cul de sac as the other party (the "Merchant") is not identifiable. We didnt initiate this - we just received a letter from BoI Chargeback.I absolutely feel for the victim, scams like that make you feel rotten. However as above, the person unfortunately did the equivalent of leaving their ATM card on the bus with a note saying "To whomever finds this, here is my PIN as well in case you need it". I'm not trying to be funny or judging (we all get flustered which is what the scammer wants here, to induce panic), im just trying to separate the technology aspect from the scam so it's comparable in the physical world.
If you've basically given away your cars details it will be very hard to get a refund I would think. It's very tough, but if that were the scenario, you'd have people doing that daily and asking for refunds in an organised manner.
Incidentally, I think this highlights a new issue of people keeping (which I also do) a couple of thousand in a current account to avoid fees. If these minimum amounts were not a thing, I'd say floating current account balances would be much less.
You could try to initiate a charge back. I did this recently for a much smaller amount and was successful (it wasn't a smishing scam as it is here though, the merchant simply charged me twice). You need to specifically say you want to open a charge back request as I found the bank were reticent to do so only for I knew it was an option.
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