2025 changing of the year!

I Was Tricked by Fraud at Christmas...again!

                                                            5 Target gift cards at $250 each...

This is Judy in the Cottage and I fell for an elaborate fraudulent setup. It cost me  $1250. This is real and it's now and very scary and I was clueless until this morning at 10 am.

It started yesterday morning. I opened my laptop and was in process of downloading a KJV Bible from a reputable website. All of a sudden the screen changed and a voice along with flashing headlines that said things about "Your IP address has been compromised along with your cell phone and financial data. Do not close this window or turn off your computer. Immediately call Micro Soft fraud department at....................... 

I looked at the screen over and over again, turned the sound off trying to decide what to do. Several times the statement "do not change the screen or turn off your computer, immediately call ...................................

After a few minutes I called the number on the screen. I talked with a female who introduced herself as a representative of Micro Soft Fraud customer service. She asked me several questions about why I was calling and what was on my computer screen. She went through the scripted description of what had happened to my computer and that all my personal information had been compromised including my phone which means the conversations were being listened to but she had isolated my call and we were on a secure line. She talked about the IP address and all that had that address was involved in the compromised. My IP address would have to be changed and she was already working on that and asked about the name of my bank which I told her. She told me that she was not allowed or authorized to ask me for information regarding my bank account and I would be transferred to the fraud department at my bank.

My call was sent, or so it seemed, to a man introduced himself as Travis Johnson, and h gave me his ID# and his phone number in case our call dropped I could call him back or if I had questions he would be happy to answer them.  I made note of all the information he gave me.  He told me what would have to be done and first there would have to be a duplicate transaction at the bank. In other words another withdrawal from my checking account in the same amount as had already been made and that was necessary for the bank to get the original deducted amount duplicated so that that amount could be recovered.

He then gave me instructions on what to do. I was to go to a grocery store that sells gift cards and buy 5 cards from one of the 3 merchants he suggested. Amazon, Target, and Soma. I was on the phone with him in the grocery store and told him I found Target cards. He asked what denominations they were for and I told him what the card said $10-$500, He directed me to get 5 cards and go to the register and put $250 on each one of the 5 cards using my debit card. Be sure not to tell anyone what I was doing and if asked the cards are for gifting to family. So I did what he said and left the store with the purchased cards.

When I got home I was to call him. I did and he asked me for the numbers on the back of each card which I gave him after scratching off to reveal the numbers.  He then told me that it would take until in the morning for the bank to process the second deduction to get my money back in my account and that he would call me at 10 the next morning which was this morning 12-30-24.  I waited for 10:00 am and the call didn't come so at 5 min after the hours I called the number I had been calling to talk Travis and the number rang and then went to busy and then some other sounds. I hung up and tried again and the same thing happened again.

I hung up again and called my local bank and talked with the mgr and he said it was fraud because the bank would never direct anyone to buy gift cards. He asked if I had given the numbers off the cards and I said no. After I got off the phone I remembered that I did give Travis the numbers off of the gift cards.

The bank mgr had told e to call the fraud number on the back of my debit card and I did. I spoke with Crystal R and she described the process and asked questions for the claim she was taking for me. She told me that it would be 5-10 business days before a determination would be made and whether or not money would be returned to my account!

The balance left in my account is what I spend on groceries in a month. Nothing left for rent or any living expense bills, gas for my car and the amount I had budgeted for Christmas.

Part of me cannot believe I fell for the scam. I say that because about 4 Christmases ago I was scammed for $4000.00 through my Discover charge card. I reported the fraud but did not recover any of the funds. The set up was entirely different then. This time it was much more elaborate involving Micro Soft and hijacking my phone call from MS and presenting as my bank. I got names, ID#'s, phone numbers and full names in some cases.

The part that was the same was the purchase of gift cards and the giving of the numbers off the cards to the man of the phone. And not telling anyone what I was doing but to say I was purchasing the gift cards for family gifting.

I am posting this as a warning. They were sneaky the first time and they got better at it this time and I fell for it. I truly hope the right people read this post this season. I don't know if I'm going to get the $1250.00 back or not through the bank. It was my Social Security check, the only money I get each month. I choose to believe that "no weapon formed against me will prosper..."Psalm 91 and that God will make a way where there doesn't look like there is a way today. I know He will.

This is Judy in the cottage on the last day of November of 2024 and I'm sorry to be posting this story but it's true and it happens so be aware and if it involves buying gift cards don't do it!!! no matter who they are or who they say they are.

UPDATE 12-18-24   I was not able to retrieve any of the money that was taken from me and here's why. The bank would not or could not get the funds back into my account. I HAD authorized the purchase of the cards I was told to purchase. Because I willingly authorized the purchase it didn't matter that I was tricked or that I didn't get what I was told I would get which was the money that had been debited to my account that showed on my online bank account at the time of the event. The fact I was scammed didn't make any difference because the fact is I purchased the gift cards willingly.