Beware Card Fraud - It Can Make a Fool of You

Life often has a disconcerting habit of making a person feel a fool just as he is beginning to think that he is being smart. I was a victim of this cruel propensity of life quite recently, although thankfully in my case, the experience, far from leaving me scarred, turned out to be a blessing in disguise, as the narrative below reveals. About a fortnight ago, quite unexpectedly, I received an unsolicited phone call, purportedly from my credit card provider. I had compelling reasons to believe that it was a purported, as opposed to a genuine call from my card provider, for reasons that I am about to explain. I am a septuagenarian, – at an age at which an old man’s mind apparently acquires a child-like gullibility that makes him an easy prey for tricksters and fraudsters. Friends and relations, with my best interest at heart, are constantly warning me of some diabolical swindle or the other, that they have heard of, that is targeted especially at unwary senior citizens. One such swindle that has been brought to my attention concerns credit card fraud. The intended victim of this fraud receives an unsolicited phone call, supposedly from the fraud prevention department of his credit card provider. The caller informs him that some fraudulent transactions, involving his credit card, have been detected and advises him to phone immediately, the emergency number shown on his card. The devilish part of this fraud is that although the victim phones the correct helpdesk number, - as shown on his card, he in fact ends up speaking to the fraudsters. Extraordinary as this may seem, this remarkable feat is easily achieved, allegedly, by the simple expedient of the fraudster’s continuing to remain on the line at his end and thus intercepting any subsequent call that the victim may make from his phone, - including the call to the card provider’s helpdesk. Having thus intercepted the victim’s call and duped him into believing that he is speaking to his card provider’s helpdesk, the fraudsters then inveigle from him, the card number and the pin details and use the information to make fraudulent transactions, - which now are of course actual as opposed to the fictitious ones used initially as a pretext for calling the victim. All of this detail, in this frightening scenario, had been firmly implanted in my mind by well-wishers, with an admonition not to allow myself to be caught out as other slow witted pensioners had been hitherto. Despite being thus forewarned, I was totally unprepared for the unsolicited phone call that I received one morning and heard the dread words that announced that the caller was from my card provider and that there had been a fraudulent transaction on my card. Although I recognised this to be the opening gambit of the diabolical fraud that I had been warned of, I could scarcely believe that I was actually being ensnared by it. Like many an optimist, I had imagined that the law of averages would somehow ensure that I would be amongst the numerous who on the balance of probabilities could expect to remain untouched by this unwelcome event. It was therefore a disappointment, that my justifiable optimism had not been rewarded. The laws of probability had clearly not worked in my favour but it was no use pondering over the vagaries of probability theory. Undeterred, I rose to the occasion and with great presence of mind informed the would-be fraudster that I was “right in the middle of something” and would he therefore call later. Congratulating myself as I put the phone down on having skilfully warded off an attempted fraud, I allowed myself a moment of triumphalism: these fraudsters would have to get up very early indeed to catch me out! But my elation did not last long and soon gave way to alarm as events began rapidly to take on a sinister turn. Having cut short the warning call that I had just received, I was keenly aware that I needed quickly to contact my card provider, to ascertain whether or not the call had been authentic. But mindful of the warning that the telephone must not be used on such occasions, to avoid being intercepted by the fraudsters, I rushed to my mobile to contact my card provider, - only to discover that someone had already placed an ominous message there, asking me to phone my card provider. This was now becoming a worryingly fiendish episode. Not only were the fraudsters lying in wait for me on my landline but they had also sealed off my only other avenue of help, - my mobile. For a moment I seriously contemplated going straight to the police but it so happened that I had a previous engagement to attend, - the computer class for senior citizens where I tutor. Reluctantly I decided that for the moment I had no option but to defer contacting my card provider until later. As events were to prove, that was the most sensible decision on my part that morning. For as I went to my local supermarket after my computer class and tried to pay for my shopping with my credit card, I found that it was no longer valid. This was an embarrassing development but it occurred to me that it could scarcely have been engineered by the fraudsters. They would have wanted to use the card, albeit unauthorisedly, but would not have sought to block it from use. Rather perplexed, I went home to phone the card company. By now the house phone, some four hours after the initial call from the people whom I had assumed to be fraudsters, should have unblocked itself and be available for normal communication. My inquiry at the card provider’s helpdesk, after the usual security related questions, brought forth an immediate explanation of the morning’s events. “We tried to contact you contact this morning, Mr. Keskar” the girl at the helpdesk informed me, “we were expecting your call, did you get our text ?”. It then transpired that my card had indeed been used for fraudulent transactions in Atlanta, Georgia, USA, of all places. In consequence, the card had been cancelled. As is normal in such circumstances, my card provider did not hold me liable for these transactions and asked me simply to await the issue of a new card. That the prospect of being a fraud victim had been averted, was indeed a great relief. But it was at the same time curiously disappointing, that what had appeared earlier in the morning to have all the appearance of becoming a drama, should have ended in such an anticlimactic fashion. There was really no fraud after all, - at least none associated with the phone call that I had received that morning. I had not acted with great presence of mind. Rather, I had been tilting at windmills. Fired by the tales of fraud that I had been subjected to, my wild imagination had conjured up villainy where none existed. In reality the fate of being the victim of a vicious phone scam had not befallen me, - nor had I been the plucky victim who had fought back. My ego, which had begun to inflate itself with the thought of having turned the tables on some despicable fraudsters, was rudely pricked. There was ultimately nothing to boast about in what I had done, and certainly no danger of resting on my laurels after a great triumph. There remained only the realisation that I had narrowly escaped making a fool of myself, - which I certainly would have done, had I gone to the police that morning as I had intended.