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RE: E mail from Bank of America - 10/15/2008 1:25:21 PM
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GregandJenny
Posts: 676
Joined: 2/16/2006
From: Near Seattle Washington
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They don't really know. I get them all of the time from banks I have never even heard of and banks I have banked at.
Just remember the bank is not going to ask for your bank information. If you're a customer they already have it.
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It does not have to be well with my circumstance to be well with my soul!
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RE: E mail from Bank of America - 10/15/2008 1:28:05 PM
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Ps103
Posts: 11736
Joined: 4/16/2005
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That is called "phishing."
When you got the first email, you didn't give them the info they wanted, did you?
They *didn't* know you had an account--they just send out a boatload of those emails counting on the fact that a few will have accounts, and that a few of those will fall for the scam.
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Fasten your seatbelts...it's going to be a bumpy night.
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RE: E mail from Bank of America - 10/15/2008 1:31:33 PM
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GroupW
Posts: 2863
Joined: 11/16/2007
From: Up in the hills of Colorado (very BIG hills...)
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Ps103 is right (she usually is!)
Most of these scammers even set up phony copy-cat websites that look and feel like real bank websites. It just helps further the illusion of authenticity.
If you did send any personal information at all, please contact your bank immediately and let them know what happened.
As long as you don't have personal account information stored on your computer anywhere that a spyware package could access, you're probably fine.
BT
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“For every problem, there is a solution that is simple, elegant and wrong.” -H.L. Mencken
"Most people would rather die than think; in fact, they do so." -Bertrand Russell
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RE: E mail from Bank of America - 10/15/2008 1:32:00 PM
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Ps103
Posts: 11736
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PHISHING
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Fasten your seatbelts...it's going to be a bumpy night.
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RE: E mail from Bank of America - 10/15/2008 1:32:43 PM
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Leslie_JnJs_mom
Posts: 898
Joined: 9/6/2007
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quote:
ORIGINAL: Ps103
That is called "phishing."
When you got the first email, you didn't give them the info they wanted, did you?
They *didn't* know you had an account--they just send out a boatload of those emails counting on the fact that a few will have accounts, and that a few of those will fall for the scam.
That is what Bank of Americal called it but I thought it was a misprint. No we did not give any information we went to the Banks official site and asked them why they wanted our information again.
I was just worried that someone out there new we banked at Bank of America. So they just made a lucky guess?
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RE: E mail from Bank of America - 10/15/2008 1:34:54 PM
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GregandJenny
Posts: 676
Joined: 2/16/2006
From: Near Seattle Washington
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quote:
I was just worried that someone out there new we banked at Bank of America. So they just made a lucky guess?
They didn't guess at all. They sent out probably 100000+ emails. Many people were sure to have BOA. I get them from Banks I have never even heard of.
Again just remember that you don't have to give YOUR bank YOUR information IF YOU HAVE AN ACCOUNT. They already have it.
G
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It does not have to be well with my circumstance to be well with my soul!
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RE: E mail from Bank of America - 10/15/2008 5:40:06 PM
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artemis
Posts: 866
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quote:
ORIGINAL: GregandJenny
quote:
I was just worried that someone out there new we banked at Bank of America. So they just made a lucky guess?
They didn't guess at all. They sent out probably 100000+ emails. Many people were sure to have BOA. I get them from Banks I have never even heard of.
I get them a few times a month from "Bank of America." We don't bank there.
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Digital Worship
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RE: E mail from Bank of America - 10/15/2008 7:30:06 PM
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manda59
Posts: 6162
Joined: 9/22/2005
From: Hampshire, UK
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I'm in the UK and have probably, in the last few years, got such emails from every single major bank that we have over here. The phishers just randomly send them out, hoping that they will get it "right" with one of them.
I've never fallen for the bank phishing trap, but I did fall for it with EBay once. Clicked on the link, gave my password (duh!) and then afterwards wondered about it. Then couldn't log into my EBay account, and so contacted EBay. Turns out some person in Spain had filched my EBay account and changed the password. So EBay took it back for me (he hadn't bought or sold anything with it) and I've never been so silly again. I've had loads of phishing emails trying to filch my PayPal account too, but have never fallen for that either, thankfully.
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"Manda is right"
mvic, January 2009
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RE: E mail from Bank of America - 10/15/2008 9:50:59 PM
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Ps103
Posts: 11736
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Fortunately for me, the first one I got was "from" PayPal, and I didn't use PayPal so I checked it out.
If it had looked like it was from my bank, I might have fallen for it at the time. It was a long time ago, and it looked official and real.
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Fasten your seatbelts...it's going to be a bumpy night.
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RE: E mail from Bank of America - 10/15/2008 10:52:09 PM
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colliefan
Posts: 2992
Joined: 4/12/2005
From: Raleigh, NC
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Each time I get one of these things, I click on the "Report Spam" button.
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RE: E mail from Bank of America - 10/16/2008 10:44:42 AM
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lvanleer
Posts: 41
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quote:
ORIGINAL: colliefan
Each time I get one of these things, I click on the "Report Spam" button.
I do the exact same thing and if it's from "PayPal" I also send it to their spam address for their records.....but I get ones from all sorts of banks even "Bank of America" which I do bank at.
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RE: E mail from Bank of America - 10/16/2008 10:48:51 AM
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agapetos
Posts: 5547
Joined: 4/11/2005
From: This side of the lil duck pond!
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quote:
Ps103 is right (she usually is!) Yeppers.
quote:
I'm in the UK and have probably, in the last few years, got such emails from every single major bank that we have over here. The phishers just randomly send them out, hoping that they will get it "right" with one of them. Me too. Sigh. Drives me up the wall.
Can't speak for the US, but I know that one of the banks I have an account with requests, at their site, you inform them if you receive any such emails.
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RE: E mail from Bank of America - 10/16/2008 10:55:15 AM
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DayStar43
Posts: 39
Joined: 3/31/2007
From: Texas
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The rule is that you NEVER give out information to anyone via email or telephone. If you have accounts at the places supposedly contacting you, they already have your information. The only way you give out info is if you have called a number you know to be authentic and you are asked something to help identify yourself.
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RE: E mail from Bank of America - 10/24/2008 11:37:39 AM
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Row1
Posts: 249
Joined: 12/2/2005
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Yes, someone knows what websites you visit.
Actually, many people know.
I am going to tell you how this happens. I will keep it very simple, since you seem to be new to a lot of this. So, to be simple, the note is kind of long. I am also makign this not long because no one else has said: YES, others know where you have been on the net.
When you visit a website, the website often puts a “cookie” in a certain location in your computer.
Cookies can do a few things.
When I log into my bank, it asks for my password, but it does not ask me for the state (Alabama, Alaska, etc.) I am in. It doesn’t ask because it already knows. The cookie from my bank saved that info.
(You can ask a computer-savvy person, and they can actually tell you where these files are stored on your comp.).
If I go to Amazon.com, it says, “Hi, Row1! If you are not Row1, click here.”
How does it know I am Row1?
If I go to “internet explorer” and use the “tool” to clear all “cookies,” that cookie from my bank, and its info, is gone. So, the next time I visit my bank after “deleting all cookies,” I need to specify “Texas” again from a menu of states. Also, Amazon will not greet Row1, but will say, “log in to get personalized recommendations.”
So, anytime you see a website ask: “do you want to stay logged in?” - for example Crosswalk says “stay logged in for a day” - it remembers your info in this cookie.
There is a 2nd thing that cookies can do. They can be used to gather your web-browsing history, and send it to some place where this info is gathered. They use this info for various reasons.
My bank, and other commercial businesses on the web, usually don’t analyze this info on their own. They usually hire a company that is expert in this.
A leading company is “Webtrends.” Look at their website:
http://www.webtrends.com/AboutWebTrends.aspx
What they mean by all of that lingo is that they discover and describe, for accompany with an online site, what their web visitors look at while on the web. If many of your bank’s web visitors also visit sports sites, then they are gonna try to market something sports-related to you - like a credit card with your team’s logo on it.
When I look in my “index.dat” file, I see many many entries like this:
“Cookie:Row1@webstat.com/ Row1@webstat[1].txt”
That is Webstat’s cookie. It regularly sends info from my computer to their company, saying ALL of the websites I visit. It knows this because your web browser - for example Internet Explorer or Mozilla Firefox -- saves all of the websites in one place. This is obvious, because that is how you can click “previous page” on your browser and go back a page. How would it know if it did not keep track somewhere?
Webstat charges money to do this for the bank, or whoever.
So, the sites you visit are tracked through “cookies,” and a file related to your internet use, called “index.dat.”
Now, for the most part, everyone in the computer world knows and understands this. The info is kind of “fair game” for everyone.
What is NOT getting shared is your critical info, such as your bank acct info. How?
When you log in, it takes a few moments because everything you do - going from one page to the next, or entering some info, such as changing your address online so the bank has new address -- everything is “encrypted” -- sent in a code, known only to the bank, so they can un-encrypt / unscramble the info you have entered or requested.
When you are on a “secure” site, a padlock symbol can be seen.
For the way my Internet Explorer is now set, the padlock icon, saying: ‘I am in an encrypted, safe site,’ is to the right of the “url” window - the blank place where the web address is shown (the thing that says http://ww.croswalk.comm). If you are at an encrypted site, it will say NOT http:// -- but will instead say https://
The “s” following “http” means “secure.”
So, yes, people know where you have been. So, if you go to Chase bank, almost anyone could make up a fake email saying: “Your security has been compromised. Please enter password and social security number to update security information and unlock your account.”
You freak out because you believe your acct has been ‘locked,’ and you are afraid if you don’t hurry that checks will bounce.
(So, instead of some website stealing your info, you actually give it away! This is called “social engineering”)
http://en.wikipedia.org/wiki/Social_engineering_(computer_security)
--they put you in a social situation that fools you into giving up your info.
So, do what you always do: don’t give out info! Instead, check with your bank, Paypal acct, Ebay, etc.!
Also, whenever you look at your bank acct, or anything like that, first close the web browser entirely. Open it up again. Log in and do your stuff. Close browser again. This will make double-sure that the info from those secured pages gets thrown out of the folders on your computer where these pages are stored.
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RE: E mail from Bank of America - 10/29/2008 11:45:21 AM
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FreeEagle
Posts: 44
Joined: 7/2/2008
From: Minnesota
Status: offline
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Phishing is one form that thieves use to steal your identity. If you respond to these emails (by the link provided) it will take you to a phony look like your banks log in page. Often when you enter your user name and password and then click submit, nothing happens - or at least so it appears. Sometimes you do go to another page asking you to verify other personal information - DOB, SSI, Mothers Maiden Name etc. Once the thieves have this information they can drain your account, or / and open new accounts in your name, to a new address. Since most people use the same password for different accounts - thieves try their luck with other accounts like Paypal and eBay, or major credit companies. When you enter your user name and password, and it appears like nothing happens - you just sent the thief your email address, your ip address, your password, and user name. There is a huge black market of re-selling your information. Just visit Stolen Identity Report and watch report 2. And while you're there also check the resource tab, under "phishing" there is tips on how to know when you are filling out a legit form, or a phishing form, as well as where you can forward phishing emails to, so the thieves get busted.
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I will instruct you and teach you in the way you should go;
I will counsel you and watch over you. Do not be like the horse and the mule, which have no understanding but must be controlled by bit and bridle or they will not come to you.
Psalms 32 8-
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RE: E mail from Bank of America - 11/1/2008 11:10:21 AM
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redeemedsaint
Posts: 496
Joined: 12/5/2005
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Never respond to emails as this. Call your bank if you get an email like this and ask if they sent it out. Nine times out of ten they didn't.
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Woody
Get off the track cause the freight train is coming - Coach Bobby Lee Duke from Facing the Giants
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RE: E mail from Bank of America - 11/10/2008 1:48:33 PM
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HighPlainsDrifter
Posts: 1299
Joined: 9/22/2005
From: The Great Sioux Empire
Status: offline
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I got one of those emails, and I don't even bank at Bank Of America. The scammers send it to a mass listing and all they need are two or three hits to make it pay off. By now, it should be clear to just about everyone that your bank is NOT going to send you an email to ask you to verify ANYTHING. Just delete it. Always.
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Give a hoot, eat yer Lute, Der's no risk in Lutefisk.
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RE: E mail from Bank of America - 11/11/2008 12:01:36 AM
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GroupW
Posts: 2863
Joined: 11/16/2007
From: Up in the hills of Colorado (very BIG hills...)
Status: offline
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quote:
ORIGINAL: HighPlainsDrifter
I got one of those emails, and I don't even bank at Bank Of America.
Makes it easier to identify it as fraud, doesn't it. 
_____________________________
“For every problem, there is a solution that is simple, elegant and wrong.” -H.L. Mencken
"Most people would rather die than think; in fact, they do so." -Bertrand Russell
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So how did the people who sent the email even know we bank at Bank of America? Can they still get our other banking and loan information?
PRAISE THE LORD -- MY HUSBAND IS BACK FROM IRAQ 
