This is a very tricky M.O. and maraming maloloko dito. Pls be careful and do not ever give you personal details to anyone that is calling you.

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Grabe, I almost got scammed.

So I got a phone call from BPI this morning.

Yung usual na unsolicited phone call from credit card companies

offering you so many different things.

Nung call na to, ang inooffer sa akin daw

is papalitan daw nila yung aking credit card

with a new more secure card.

At kinoconfirm lang daw nila sa akin

kung kailan daw ako available to be able to receive the card.

Trust me, the call sounded so legit.

Alam niya yung aking full name,

alam niya yung aking address,

lahat parang legit to.

Nung kinausap nila ako,

sabi nila sa akin na ipapadala yung card,

they wanna make sure ako yung magre-receive

because marami daw scam diyan,

so inaassure ka na secure to

and this is the proper way to do things

and may procedure daw sila.

This is meant to make you feel safe.

Ito po ang tactic ng mga scammers.

They're going to lull you into a false sense of security

para mapagkatiwalaan mo sila

kasi sinasabi nila sa'yo,

yung mga gusto mong marinig

na pinoprotectahan ka nila

that they have your best interest at heart

pero hindi hard sell na parang assurance

na very professional.

Next, kinonfirm sa akin yung aking birthday.

Okay, no problem.

I've had credit card companies call me

and verify my birthday.

And next they told me

that they're going to transfer na lang daw

all my points from my card

to my bank account

dahil daw bago na daw yung card ko

with the new security features

and hindi daw matatransfer yung points.

So sabi nila,

pakiconfirm lang kung ano yung account number.

Sabi ko, well, you have my account number.

Bakit hindi na lang yung kunin sa sistema?

So ang rason nila is

kailangan daw nila i-confirm

na tama daw yung account details

at wala daw error.

Sabi ko, okay.

Sabaga, I mean,

I give my account number naman to people

that need to deposit money to my account.

No problem. So binigay ko.

So they repeated my account number to me

to confirm na tama.

Sabi ko, tama naman yun.

And then, here is where the scam comes in.

Sabi nila sunod is,

Now, sir, we just need your username.

Then they assured me again.

Ito na yung false sense of security, ha.

Sinabi nila sa akin na,

but please do not tell us your password

kasi po, yan po yung inyong security,

yung inyong password.

Ang kailangan lang po namin

ay yung username.

Dito na ako nagduda

so tinanong ko sa kanya,

bakit kailangan mo yung aking username?

Sabi nila, kasi ang gagawin daw nila

is they're going to do daw

an online transfer.

E, teka lang.

Why do they need to do an online transfer

when they have access

to the backend of the account?

So medyo nagdududa na ako.

Pero inasure niya ako.

Sabi niya sa akin,

Sir, para ma-assure po

na legit po tong call na to,

after you dictate your username,

you will receive a text message

from us po, BPI,

with a verification code

that verifies na legit po tong call na to.

Doon na ako nagduda.

Bakit?

Kasi pag nakuha nila

yung iyong username,

in this case, yung username ko,

ang gagawin nila

ay itatype lang nila

yung username ko

tapos kiklik nila

forget password.

At that point,

I will get a verification code

from BPI.

Tapos ang sasabihin sa akin

nung kausap ko

is please dictate

the verification code to me.

At pag dinikta ko

yung verification code na iyon,

they're gonna be able

to change my password

and have access to my account

and be able to withdraw all my money.

At nung sinabi ko sa kanya

na hindi ko pwedeng bigay

yung aking username sa kanya,

doon na niya ako binagsakan.

At nung sinubukan ko siyang tawagan,

hindi ko siya matawagan

lahil binlock yung aking number.

Yan po yung scam.

Kaya mag-ingat po tayong lahat,

wag na wag ibigay yung username.

Ito na yung bagong MO,

kaya ingatan po natin lahat

para hindi po manakaw yung pera natin.

Sana po nakatulong tong video na to

at mag-ingat po tayong lahat

at protektahan natin yung ating pera.

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Thanks so much.

I'll see you on the next video.