The One With the Bank Negara Scam call

Yupp... true enough, this happen to us... recently...
Been meaning to blog about this, as a precaution to everyone out there,
that this is real and true... so be very2 extra careful when you receive any phone call that requires you to give personal information, as this happen to us... just recently...

My husband received a call from MBF, asking him to verify some information regarding his request to upgrade his credit limit.
It come to a surprise to him, as he never requested such thing, so he informed the caller (who claim himself as MBF cards officer), that he didn't request any upgrade on his MBF credit cards. (ok, the caller seems to have my husband's personal information such as IC and what not).

The caller informed that apparently, my husband has used up his credit card limit, amounting 9K++ for credit card no (bla bla bla, the caller sebutlah number tu..) and the card has been used in Penang. My husband told the caller, that he has not been to Penang and this must be a mistake. Then the caller ask my husband to confirm that this is a fraud, meaning, someone has been applying the card under my husband's name. Of course he would say yes... sbb sah2 dier tak guna card tuh kan?

Then the caller said, he will put in report to Bank Negara, that this is a fraud.. and an officer from Bank Negara will be calling him for some verification and also investigation. End of phone call.

Lucky for him, the told me about it, the minute the phone call ends.... and I kinda feeling something is not right about it, especially when the call was made during Public Holiday.. and I remembered my fren Katik told me that her fren penah kene scam like this and kene tipu few thousands... so I told my husband to be extra careful, not to fall into any lies.. if this is a scam... My husband pon mmg cam berhati2 je ... dier mmg tak kan nyer bg personal info .. tp yer a... kita pon kene be extra careful kan?

Later, about approx 10 mins, a lady called my husband, introducing herself as someone from Bank Negara, and asking my husband few question regarding the fraud credit card usage, under his account. (Eh, efficient nyer bank negara, lps 10 minit terus call, time cuti plak tuh kannnn???) that was what my husband taught.. but again, just listen first, incase this is true. Ada la few question yg mmg macam related to org tgh siasat kes tipu... where dier tanya... apa account created and at which bank, apa loan yg kita dah buat.. apa credit card yg kita ada... so my husband ada la bgtau... then utk credit cards.. dier mintak all the credit cards number.. my husband cuma bagik last 4 digit. Normal la kan? pasal dalam statement pon... dier akan bgtau last 4 digit no kan? bila org tuh mintak gak.. my husband berkeras cakap.. you dari bank negara.. you should know... i will only tell you the last 4 digit. and that's it....

Pastuh.. dia boley siap mintak the 3 digit number yg kalau kita buat online purchase ke apa ke.. kan kene bg that no kan? chaiittt... this is not the kind of info you bagi org suka hati.. biarpon bank negara sekali pon..they cannot be asking this information kan? so my husband cakap, no way.... since dier tak dapat tak no... dier ada citer la.. pasal ciri2 keselamatan card tuh.. dekat jalur tuh.. dekat cip tuh... bla bla bla lah kan... then at the end, dia cakap..dia mmg terpaksa fwd this case to the 'pegawai penyiasat' Bank Negara. ok.. fine... pegawai lain la pulak kannnn..

About another 10-15 mins lagik, a guy called. Again, dier cakap dier pegawai penyiasat dari Bank Negara. (efficient tul, mmg ada satu case je ker derang nak handle?)... ok.. then dier mulakan dengan cakap dier terima report nieh dari colleague dia.. and skang tugas dier siasat la menda nieh... sekali lg dier terangkan, yg ciri2 keselamatan pada setiap credit card or bank atm card.... ada jalur hitam tuh... ada number.. ada cip and what not..... lama gak la nak terangkannyer.... and pastuh dier cakap.. since menda nieh fraud, dier kene siasat.. and dier cakap pls do not let anyone know about this investigation, and do not use the credit card for 3 days. Okla... iyakan... pastuh dier cakap... last skali.. ada satu benda yg my husband kene reset, which is the ATM card, yang derang tak bleh reset dalam system, cuma boley buat dekat mesin ATM je..... and dia tanya my husband, boley tak dia sampai to any ATM within 15 mins?

Hell NO la kan! My husband cakap... he will never ever going to do that.. kalau nak kene buat gak.. dier akan pergi bank, and berurusan di counter bank. NOT via ATM! Lepas tuh, mamat yg Bank Negara tuh macam pissed off and terus cut the line... wahhhh.. sungguh 'Bank Negara' kannnnnn???

Like seriously, scam macam nieh pon ada okeh... Lucky enough, my husband jenis yg mmg sangat particular ngan menda2 camni... so dier mmg takkan bg or percaya.. and lucky enough dier bagi tau I.. so I sempat warn him that Katik nyer fren pon penah kene camni.. and unlucky for her, she fall for that... terbang jugak few thousand.... sbb dah pegi ATM, derang akan suh buat apa tah... pastuh tetiba the last thing you remember, is you've just transfered your money to a 3rd Party Account...! Kesian kan... mmg tak guna betul penipu2 nie seme.. but what can we do? Kene selalu sangat berhati2... which is... kadang2 it sounded so true sampai kita pon tak bleh fikir... or takut.

Syukur sangat, kami tak terkene... but I'm blogging this out so you guys tau, ada yer... kes2 begini... and it happens to us... Masa dengar citer Katik dulu... I cam dengar lah... tapi tak sangka, one day.. this really happen to us. Meaning, menda nieh boley jd kat saper jer... they know you phone number, you IC number.. and what not.. so it does sound true. Bottomline is, kalau suh bagi personal information yg sangat personal over the phone.. JANGAN BAGI! Baik pegi bank or mana2 institution yg dier sebut tuh.. don't ever do it ON THE PHONE!

Lepas pada all the calls, my husband called MBF and you can guess apa jd la kan? MBF confirmed dierang takder pon call my husband, and account no yg org tuh cakap... tak exist pon... mmg seme nie adalah scam....

Syukur, kitorang tak kene tipu..... I really hope, walaupon citer nieh agak panjang, you guys took sometimes to read.. pasal this, could happen to anyone out there, so please be extra careful..

ha satu lg... nieh la nomo2 yg call my husband tu...!