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Stay alert for fraudsters this holiday season

Thursday 04 December 2014
  (37 Ratings)
Tags: Information

 

The thing about fraudsters is that they're really clever - frustratingly clever. This means we can't underestimate them.
 
Fraudsters are always looking for new ways to trick people into handing over personal information, usually by phone or email. That's why it's important to stay alert - especially if you're asked for information like your bank account details or passwords.
 
Here are some examples of everyday New Zealanders who have unwittingly fallen victim to recent scams - and some simple tips to make sure you don't become a victim too.
 
Love hurts – in the pocket
 
Jayden was looking for someone to share his life with – and when he found Cara on an internet dating site, he thought he’d found’ the one’. She had a difficult life - her husband had run off with another woman, leaving her destitute. But her faith had kept her strong, and now she was looking for a caring person to start a new life with.
 
Jayden couldn’t believe how compatible they were - Cara seemed to share almost all of his interests and had the same values.  The only problem was that she lived in Asia – miles away. When Jayden offered to come and visit her, she told him she was embarrassed about her humble lifestyle and couldn’t face the thought of Jayden seeing her tiny, run-down apartment. When Jayden offered to pay for her airfares to New Zealand instead, her initial response was that she felt guilty because she couldn’t afford to pay her own travel. But the bond between them was so strong that eventually she agreed.
 
She told Jayden that if he could wire her some money through Western Union she could get her sister, a travel agent, to buy the tickets. Jayden sent through ten thousand dollars to cover the flights and expenses – and that was the last he ever heard from ‘Cara’. Not only had Jayden been jilted in love, he’d also been tricked out of his hard-earned savings.
 
 
Jane's Christmas cheer turns sour
 
When Jane got an email from her bank telling her she'd qualified for extra CashBack rewards on her credit card, she was over the moon. The extra cash was a godsend - especially with Christmas coming up.
 
All she had to do was click on the link to the bank's website, fill in her account number and PIN (to prove it was her), and the extra CashBack rewards would be added to her account. Jane wasn't sure at first - after all, she'd read something about email scams in the paper. But since this was an official email from the bank, she decided it was quite safe to provide the information.
 
Jane logged into her Internet Banking the next day to check if the CashBack rewards had come through. She was expecting a nice little present - but she got a very nasty surprise instead.
 
The email had looked genuine, but it was a clever fake. Jane had actually sent her account information and PIN to a scammer, who had used it to access her account and pay the entire balance to another account overseas. Suddenly, Jane’s Christmas was looking very bleak indeed.
 
 
Beth gets bitten by a money mule
 
Beth had worked hard and paid tax all her life. So when the Inland Revenue rang to tell her they’d been reviewing their records and found she’d paid too much tax, she was more than a bit annoyed. She was on the pension now and that money would have come in handy.
 
The nice young man on the phone apologised and told her they would be giving her a refund. But he also said that because it was the government, Beth first had to prove she was responsible and knew how the banking system worked. They would deposit $10,000 in her account, and she had to take it out and send it on to another country using Western Union (a money transfer service).
 
Beth did what he asked and waited for her refund – but it never came. When she rang the bank to ask where it was, they told her that the money the ‘Inland Revenue’ had deposited was actually stolen and she’d been used as a ‘money mule’ to launder it.  In the process, she’d effectively wired $10,000 of her own money overseas. Beth found out too late that some people - and some things - are not what they seem.
 
 
Staying safe
 
Following some simple rules can go a long way towards keeping you safe from these types of scams.
 
  • Don't share passwords or PIN numbers with anyone, even if it might seem legitimate. ANZ will never ask you to reveal your passwords or PINs.
  • Always access Internet Banking by typing www.anz.co.nz into the address bar of your browser. Don't click on a link or attachment in an email.
  • Remember - if an offer is too good to be true - it almost certainly is.
  • Mobile devices are important parts of our lives (and banking) now. Make sure you protect them locking security like PINs, passwords, swipes or fingerprints as well.
  • Be wary with people you don't know or haven't met in person - especially if they ask you to send them money. Also be wary if they ask you to receive money into your bank account, then withdraw some or all of it and send it overseas.
 
 For more information, check out the Protect your banking section of our website, Consumer Affairs  or New Zealand Banker's Association.
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Comments

Ge | Monday 15 December 2014

Good feedback

Reply 4 people like this

pituconz | Sunday 14 December 2014

better to know

Reply 1 people like this

power | Friday 12 December 2014

good update.

Reply 1 people like this

Sonja | Friday 12 December 2014

Hi this was returned as undeliverable to 'emailalert@anz.com' and just wanted to notify of this scam: From: ANZ Internet Banking [mailto:anzcustomerservice388@gmail.com] Sent: Friday, 12 December 2014 11:54 a.m. Subject: Your password ANZ Internet Banking has been changed Dear Customer, We regret to inform you that your profile would no longer be available due to suspected login activity. Kindly login using our website below to restore your account. www.anz.co,nz We sincerely apologize for any inconvenience caused. Thank you for choosing ANZ Bank.

Reply 6 people like this

ANZ Internet Banking Team | Monday 15 December 2014
Hi Sonja, Some emails do get blocked before they can reach us due to the malicious content. We have been advised of this scam already and the team are working to shut it down. Thank you for letting us know about it. Just a reminder if you receive an email of unknown origin, no matter how innocent or provocative the subject headings sound delete it immediately.
Aroha | Friday 12 December 2014

This is really thoughtful at this time of year

Reply 3 people like this

Maggie | Friday 12 December 2014

Comments are very good they are also e-mailing saying they have your statement for the month ready where i work and it came through 10 times

Reply 2 people like this

Safa | Thursday 11 December 2014

I have received an email this morning to my word email address entitled `ANZ Message Notification You have a new Internet banking message Forwording this email to "emailalert@anz.com" has failed!!!

Reply 2 people like this

ANZ Internet Banking Team | Thursday 11 December 2014
Hi Safa, Some emails do get blocked before they can reach us due to the malicious content. We have been advised of this scam already and the team are working to shut it down. Thank you for letting us know about it. Just a reminder if you receive an email of unknown origin, no matter how innocent or provocative the subject headings sound delete it immediately.
Janelle | Thursday 11 December 2014

I really appreciate these update's. I rate it 5 star. Anz is a fantastic bank.

Reply 7 people like this

Teresa | Thursday 11 December 2014

Good information. Thank you. :)

Reply 2 people like this

Gus | Wednesday 10 December 2014

Dad received an email and it was something about updating his account or otherwise it would be expired within 24 hours. All he had to do was put in his right pin to make sure it was him. He was just skim read it as he was busy which is very uncharacteristic of him and his computer picked up that it was a doggy website without the right safety certificate stuff. He went back and re-read the email and he could tell that it was a dodgy email while reading through it methodically. The wording was different and bit pushy and he had been an ANZ customer for years and he was surprised that they were just going to close his account like theat. So just word of advice read through ANZ emails methodically if they come across bit surprising and then if you are not sure contact ANZ to really see if it was them before really going ahead with what the email has to day

Reply 9 people like this

anlie | Wednesday 10 December 2014

Good Reminders for all, need to be careful, also common sense should prevail. but these people are clever.

Reply 5 people like this

A & G | Wednesday 10 December 2014

I am pleased to find out where to send hoax ANZ Bank messages. We have received many over the years and will now send them onto your team to deal with

Reply 4 people like this

Brian | Wednesday 10 December 2014

Simple tricks fool simple people. Thank you for alerting all of us. If it looks too good to be true - it probably is !!!!

Reply 3 people like this

Tony | Wednesday 10 December 2014

I have received an email this morning entitled `ANZ Message Notification You have a new Internet banking message`. I too, on advice from the 0800 number for suspicious emails, forwarded the email to emailalert@anz.com but it was also returned. Again, as with other customers, the ANZ logo looks real but I`m assured the bank does not send such messages to its customers. Another attempt to scam ANZ customers so be warned!

Reply 4 people like this

Kari | Wednesday 10 December 2014

Thank you! I just came here to check as I just got the email like 'Jane' and opened the link and thought...wait a minute. I am so pleased you had this info live. I did think it looked legitimate but my natural suspicion of getting nothing for free kicked in :)

Reply 4 people like this

Ruth- Mary | Wednesday 10 December 2014

It is always good to update ones self esspecially these days when more than ever we have people who are out for ripping others off!!! If in doubt then dont proceed is my thought trust your gutt feeling its usually right on the money!!! This is a very easy page to use and Im not high tech so even better.

Reply 3 people like this

Gary | Tuesday 09 December 2014

As I am not currently an ANZ customer, I was surprised to receive an email titled "ANZ eStatement For October 2014" . I tried to send an email to emailalert@anz.com with the above as an attachment but it was "filtered" and returned. This is the second, different, email I have received in the last few days. The previous one from memory was similar to the one that Ree received. The logo etc looked convincing, I hope nobody gets taken in by these latest scams.

Reply 3 people like this

ANZ Internet Banking Team | Wednesday 10 December 2014
Hi Gary, Thank you for letting us know about that scam. Some emails do get blocked before they can reach us due to the malicious content. We have been advised of this scam already and the team are working to shut it down. Just a reminder if you receive an email of unknown origin, no matter how innocent or provocative the subject headings sound delete it immediately. You can find more information including how you can notify us of these emails by clicking on the ‘Protect your banking’ link above.
Averil | Tuesday 09 December 2014

There is a new e-mail came today - ANZ Customer SecureMail Notification ANZ Message Center [service-noreply@anz.co.nz] Tue 9/12/2014 9:23 a.m. Recipients Your internet banking profile has been updated We have updated your online banking profile: •Password • Phone Number • Email Address To view the updates, or make additional updates, sign on to update your internet banking profile. If you did not make this request online, by phone, or at an ANZ bank branch, or to stop this change go to, • www.anz.co.nz/personal (for personal banking) • www.anz.co.nz/business (for business banking) Please do not reply to this email. anz.co.nz | Fraud Information Center D5B05159C1A62995E0440021283BC0 44 No virus found in this message. Checked by AVG - www.avg.com Version: 2015.0.5577 / Virus Database: 4235/8703 - Release Date: 12/08/14

Reply 2 people like this

ANZ Internet Banking Team | Tuesday 09 December 2014
Hi Averil, Thank you for passing this one on to us. Can you please send us a copy of the email to emailalert@anz.com so we can investigate this scam further. Just a reminder if you receive an email of unknown origin, no matter how innocent or provocative the subject headings sound ensure you do not click on any links or provide any details. If you can email it to us then please delete it immediately. You can find more information by clicking on the ‘Protect your banking’ link above.
Ree | Tuesday 09 December 2014

Hi I have just had an email saying this which I know is a hoax but thought I would pass it along. -----Original Message----- From: ANZ [mailto:estatement@anz.co.nz] Sent: Saturday, 6 December 2014 9:51 a.m. Subject: Redeem your $1210.00 Approved By ANZ Rewards Platinum Dear Customer, Redeem your $1210.00 Approved & authorized by ANZ Rewards Platinum This is a Reward receipt for Invoice 1146198850 sent on 2014-12-06 from ANZ Rewards Platinum ATTACHMENT is the copy of your ANZ Rewards Platinum Account Statement, as requested by our Electronic system, Please confirm on your account statement and verify the approval of the Reward and process the availability of your ANZ Rewards Platinum Reward Point. Reward Point : $1210.00 Transaction #: 1146198850 Total Reward Point Paid to Date: $1210.00 Kindly follow these steps below to verify your accounts. 1 ) DOWNLOAD THE Attachmet provided by our security Team. 2 ) Open the file ATTACHED (in your Web Browser) and fill in the required fields. Thank you for being a valued customer. Sincerely, Best Regards. ™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon™ is a trademark of Fair Isaac Corporation. ® ANZ Holiday Rewards is a registered trademark of Australia and New Zealand Banking Group Limited, ABN 11 005 357 522. ANZ Holiday Rewards is provided by Pinpoint Travel Group Pty Ltd, Lic. No. 2TA002974.

Reply 2 people like this

Lorraine | Sunday 14 December 2014
I got the same email as Ree and when I sent it on to the email address in online banking it bounced back.
ANZ Internet Banking Team | Tuesday 09 December 2014
Hi Ree, Thank you for passing this one on to us, we are aware of this scam and are working to shut it down. Just a reminder if you receive an email of unknown origin, no matter how innocent or provocative the subject headings sound delete it immediately. You can find more information including how you can notify us of these emails by clicking on the ‘Protect your banking’ link above.
Jo. | Tuesday 09 December 2014

Excellent timing.

Reply 4 people like this

James | Tuesday 09 December 2014

Good!!!

Reply 4 people like this

Jeejay | Tuesday 09 December 2014

We do need to be constantly reminded of what not to do when it comes to looking after our money. Please keep up these excellent tips on how to keep our money safe. Thankyou

Reply 6 people like this

Nan | Monday 08 December 2014

Thanks, a timely reminder

Reply 3 people like this

Rae | Monday 08 December 2014

Excellent thankyou, getting a lot of scamming at the moment, they LOOK so authentic! Please keep on with the warnings.

Reply 3 people like this

Glenyss | Monday 08 December 2014

I'm happy with current service

Reply 2 people like this

KiwiAndrewO | Sunday 07 December 2014

Well written and clear :) I suspect that it is also worth talking specifically to the group on dating sites. It seems to me that the advice for this is even more desperately needed. They think they 'know' the person. It seems to me that people (on dating sites) need to have a personal rule that says 'No-money without having seen them in person' (or verified their identity by a means that is independent of anything they have sent).

Reply 1 people like this

ANZ Internet Banking Team | Thursday 11 December 2014
Hi KiwiAndrewO, Thanks for your suggestion. We have now added a recent example of this.
Antia | Sunday 07 December 2014

A good reminder to be aware at all times

Reply 3 people like this

JRH | Saturday 06 December 2014

Keep reminding us all of these dangers

Reply 1 people like this

G Wong | Friday 05 December 2014

Has made me much more cautios! Thanks

Reply 1 people like this

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