I was nearly caught by this scam. Was not fully thinking and was preoccupied as I needed access to 365 for some upcoming transactions. As you can see there's a good facsimile of the 365online web page including the secure padlock icon. I copped on while inputting details.
As I thought it quite sophisticated I took screen grabs and sent to BOI 365 Security on 22 Feb last. Got no response. See the attached for a screen grabs (Apple Phone)
That text could not look more like a phishing scam if it tried! And surely if you online bank with BOI, you now what the name of the website is?
There has to be an element of personal responsibility. If you don't know how to use phone or online banking, you shouldn't be on it.
I think you are being very unfair on the people scammed
Brendan I feel you have a blind spot in this one. In this particular BOI scam do you accept that BOI have a responsibility here to their customers? BOI have admitted themselves that they were at fault here but you still seem to think this was a case of customers being stupid.Your mother and others who don't want to use 21st century technology can go to the Credit Union or Post Office.
The banks are right to encourage people to go online. If people don't want to go online, then they should stop using the banks.
We have reached a crazy situation in Ireland where people are no longer responsible for their own actions or errors.
I feel sorry for people who are scammed. I feel sorry for people whose bicycles are stolen. I feel sorry for people whose houses are burgled. But I don't see why the bank should compensate them.
And if you do persuade me that the bank should compensate them, then they absolutely must lose access to online banking.
Brendan
Hi Ceist
My general principle would be that people should be careful and should not be compensated for giving out their details to a website or cold caller.
However, I was not aware that BoI had admitted that they were in the wrong. If they were in the wrong and if the customer was not careless , then the customer should not be paying.
Brendan
Elderly people are particularly vulnerable to telephone scams.
This scam was first reported on AAM on 22 July, more than 3 weeks before the times article.
https://www.askaboutmoney.com/threads/boi-suspicious-activity.218823/
The aspect of this that strikes me as most significant is that the scammers used a genuine BOI text to contact customers.
There is no clear line, only degrees of difference, between stupid careless customers who cannot mind their details and people who fall victim to sophisticated scams believing that they are dealing with the bank.
[ I made a similar point previously about there being no clear line between people who couldn't pay their mortgage and those who could but wouldn't.]
And yet you clicked the link because you thought it came from a genuine source
Even though you know BOI will never send a link
You might not have given your account details but according to Brendan and co, you are now too stupid to own a phone. Please give it back.
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