And the Confusion Continues

[Smitheroo]

I received an email from NCL in response to the one I sent them describing the problems I was having with my new NCL Mastercard.  They advised me to contact Mastercard as they were unable to help with that. They also wrote that the email I received about my Welcome Back Award was sent to me in error as that program has been discontinued.  After I sent the email to NCL I received another letter from BOA again informing me about the fraud alerts and if I didnt contact them within 25 days my account will be closed (and I'm guessing there go the points I have earned). Yet the people at BOA assure me there are no remaining fraud alerts and many of the purchases I have made on the new card have been delivered to me.  Then this morning I received an email "CruiseDocs" informing me that they had noticed I had multiple accounts so they merged them all into one so that all my cruise history would be in one location.  I checked my account and the only cruise there is the one I just took and also, surprise, surprise, my Welcome Back Award for $100, along with the two CruiseFirst certificates I have purchased.    Unless they consider the CruiseFirst certficate as "Cruise History".  

[Funky Fusion FoodsJ]

25 minutes ago, Smitheroo said:

I received an email from NCL in response to the one I sent them describing the problems I was having with my new NCL Mastercard.  They advised me to contact Mastercard as they were unable to help with that. They also wrote that the email I received about my Welcome Back Award was sent to me in error as that program has been discontinued.  After I sent the email to NCL I received another letter from BOA again informing me about the fraud alerts and if I didnt contact them within 25 days my account will be closed (and I'm guessing there go the points I have earned). Yet the people at BOA assure me there are no remaining fraud alerts and many of the purchases I have made on the new card have been delivered to me.  Then this morning I received an email "CruiseDocs" informing me that they had noticed I had multiple accounts so they merged them all into one so that all my cruise history would be in one location.  I checked my account and the only cruise there is the one I just took and also, surprise, surprise, my Welcome Back Award for $100, along with the two CruiseFirst certificates I have purchased.    Unless they consider the CruiseFirst certficate as "Cruise History".  

I think your post title is appropriate.......you are very, very confused.  Why in the world would you think NCL would have anything at all to do with dealing with fraud on your BoA credit card account?

[RocketMan275]

1 hour ago, Smitheroo said:

After I sent the email to NCL I received another letter from BOA again informing me about the fraud alerts and if I didnt contact them within 25 days my account will be closed (and I'm guessing there go the points I have earned). Yet the people at BOA assure me there are no remaining fraud alerts and many of the purchases I have made on the new card have been delivered to me.  

You're been phished.  "A technique for attempting to acquire sensitive data, such as bank account numbers, through a fraudulent solicitation in email or on a web site, in which the perpetrator masquerades as a legitimate business or reputable person."

 

BOA has told you there are no fraud alerts which is further evidence of a phising attempt.  I suspect there is a phone number of link on the warnings you've received which won't take  you to BOA but to some scammer trying to get  your financial information.  Since you've contacted BOA and verified there are no alerts, you've done all you can do.

I received a phishing attempts while on my last cruise on NCL.  I was warned that my EBT card had been locked.   I do not have an EBT card (food stamps).  In the past, I've also received warnings that my account at various financial institutions have been locked.  I ignore these because I do not have an account at any of these financial institutions. 

 

I've also received numerous alerts that I've bought some type of merchandise or service and that I need to contact the sender or I will be charged hundreds or thousands of dollars.  I ignore those too.  

[sanger727]

It's standard practice that when a cc is branded under a retailer, the business is still entirely handled by the issuing bank. Any fraud alerts or credit card issues would be handled by mastercard or bank of america. NCL would only get involved in point or reward redemption. 

[vswan]

33 minutes ago, RocketMan275 said:

You're been phished.

My favorite was recent. Someone had infiltrated my internet and was monitoring all of my internet activity - and my porn watching. LOL, as if.  Tried to blackmail me into paying so that it wasn't made public. They are getting quite inventive.

[RocketMan275]

12 minutes ago, vswan said:

My favorite was recent. Someone had infiltrated my internet and was monitoring all of my internet activity - and my porn watching. LOL, as if.  Tried to blackmail me into paying so that it wasn't made public. They are getting quite inventive.

Personally, I like the 'Popup Warnings' that some kind of malicious virus has been detected on my computer and that I sould contact xxx-xxx-xxxx to get it removed.  The Popup can't be closed.  Followed by the warning that I shouldn't turn my computer off, that will result in irreparable damage. So far turning the computer off and on has killed the popup and has not resulted in any damage.  

[njkate]

Don't ever click a link or call number in email. Get your CC out and call the number on back of your card

[PTC DAWG]

22 minutes ago, njkate said:

Don't ever click a link or call number in email. Get your CC out and call the number on back of your card

Agreed, not sure why folks fall for this stuff. 

[jimsig]

Another big giveaway, not just in a phishing scam but also spam/scam emails, is they way they are addressing you. They are addressed such as:

 

"Greetings your email @provider dot com"

"Hello your email" or

"Hi Bank Of America user"  etc. 

 

Most legit emails will address you by first name.  Of course that may not work if your email contains your first name such as RobertSmith @  provider dot com.  But still in those cases that are a scam you will probably be addressed as RobertSmith and not just Robert.  

[DwayneG]

When you get a page that locks up and can't be closed you usually can press CTRL/ALT/DELETE all at the same time and you'll probably get a popup menu that offers several choices.  Choose TASK MANAGER and you'll see a list of things you have running.  Choose whichever browser you're using (Chrome, Edge etc.) amd close it..

[RocketMan275]

36 minutes ago, DwayneG said:

When you get a page that locks up and can't be closed you usually can press CTRL/ALT/DELETE all at the same time and you'll probably get a popup menu that offers several choices.  Choose TASK MANAGER and you'll see a list of things you have running.  Choose whichever browser you're using (Chrome, Edge etc.) amd close it..

The emails i was referring too typically have a "warning. do not attempt to restart your computer.  serious damages will ocurr."  I ignore that warning and restart.  Never had any damages.

[TheycallmeFlip]

I get text messages all the time telling me that my Netflix or Amazon has been closed because of some excuse or another.  I don't have either and a simple review of their email address will show that's not coming from either company.  (for some reason these texts always seem to come from an email address and not a phone number.

I simple trick to see if the email address is legitimate is to hover your mouse over the email for a few seconds and it will show you the actual email address that it's sent from.  

 

Flip

[Pens fan]

3 hours ago, vswan said:

My favorite was recent. Someone had infiltrated my internet and was monitoring all of my internet activity - and my porn watching. LOL, as if.  Tried to blackmail me into paying so that it wasn't made public. They are getting quite inventive.

I got this one a few months ago.  Said they had had all of my contacts and would be sending out my viewing history to every one of them.  I thought, go right ahead!  I'm not ashamed that I watch an inordinate amount of youtube videos on cruising and Walt Disney World! 😂!  

[ontheweb]

2 hours ago, RocketMan275 said:

Personally, I like the 'Popup Warnings' that some kind of malicious virus has been detected on my computer and that I sould contact xxx-xxx-xxxx to get it removed.  The Popup can't be closed.  Followed by the warning that I shouldn't turn my computer off, that will result in irreparable damage. So far turning the computer off and on has killed the popup and has not resulted in any damage.  

Yes, I get those claiming to be from a well know internet security company. I always check afterwards that my internet security from a different company is still activated.

[uneamie]

3 hours ago, vswan said:

My favorite was recent. Someone had infiltrated my internet and was monitoring all of my internet activity - and my porn watching. LOL, as if.  Tried to blackmail me into paying so that it wasn't made public. They are getting quite inventive.

LOL...same here. I am a 74 year old women whose husband would probably be happy if he learned I was visiting porn sites, and knowing this was a scam, I replied to the email with a "go for it" approval and told them to "please make it public to my husband first. It will make his day!"  

[RocketMan275]

32 minutes ago, uneamie said:

LOL...same here. I am a 74 year old women whose husband would probably be happy if he learned I was visiting porn sites, and knowing this was a scam, I replied to the email with a "go for it" approval and told them to "please make it public to my husband first. It will make his day!"  

It's not advised to respond to these kinds of email/texts/phone calls.  It only encourages them since a response confirms the address is valid.  

[Smitheroo]

9 hours ago, RocketMan275 said:

You're been phished.  "A technique for attempting to acquire sensitive data, such as bank account numbers, through a fraudulent solicitation in email or on a web site, in which the perpetrator masquerades as a legitimate business or reputable person."

I dont think so.  I have had all the things you mentioned in the post, like pay pal accounts, merchandise I never purchased, McAfee security subscription expiring and I ignore them also.  

 

I forget why I had to contact NCL, its all a jumble in my head now.   It was probably because I got an email from NCL telling me my purchase of a CruiseFIrst certificate had been declined and to call them with another method of payment.  And the purchase had indeed been declined.   I also thought they might be interested to know that BOA/Mastercard was screwing up a credit card associated with them (NCL)

 

As I was being assured that there were no fraud alerts on my new BOA account (thru the NCL Mastercard) charges were still being declined and I was still receiving letters from BOA, threatening to close my account if I didnt respond in 25 days.  And when an account is closed, you lose your points.  I sure dont want to get into NCL about that.

Edited March 17, 2023 by Smitheroo

[Smitheroo]

7 hours ago, PTC DAWG said:

Don't ever click a link or call number in email. Get your CC out and call the number on back of your card

I  know not to do that. 

[Smitheroo]

10 hours ago, Funky Fusion FoodsJ said:

I think your post title is appropriate.......you are very, very confused.  Why in the world would you think NCL would have anything at all to do with dealing with fraud on your BoA credit card account?

Maybe because I got an email from NCL telling me that my attempt to purchase a CruiseFirst certificate had been declined?  The same way other places contact you when your credit card was declined for payment.  If you want the purchase to go through you are expected to call and provide another method likof payment.  That's how NCL got into the discussion. I'm not sure I appreciate your sarcasm. 

A simple "NCL wouldnt have anything to do with dealing with fraud on your BOA credit card account"  would have been sufficient.

 

And thanks to all who "liked"  this response to my post.  

Edited March 17, 2023 by Smitheroo

[eileeshb]

Phishing and smishing (text messages) is getting more and more sophisticated.

the funniest e-mail one I’ve gotten had the actual legit company’s info about what to look for to see if was a legit email and their fake didn’t match the format their own mail listed. 
 

I also regularly get phone calls from “amazon prime” telling me there’s a problem with my renewal, makes a change from the “this is Microsoft and your computer has a virus”  calls …. Those were fun to string along if I wasn’t doing anything else

[Smitheroo]

57 minutes ago, Smitheroo said:

I dont think so.  I have had all the things you mentioned in the post, like pay pal accounts, merchandise I never purchased, McAfee security subscription expiring and I ignore them also.  

 

I forget why I had to contact NCL, its all a jumble in my head now.   It was probably because I got an email from NCL telling me my purchase of a CruiseFIrst certificate had been declined and to call them with another method of payment.  And the purchase had indeed been declined.   I also thought they might be interested to know that BOA/Mastercard was screwing up a credit card associated with them (NCL)

 

As I was being assured that there were no fraud alerts on my new BOA account (thru the NCL Mastercard) charges were still being declined and I was still receiving letters from BOA, threatening to close my account if I didnt respond in 25 days.  And when an account is closed, you lose your points.  I sure dont want to get into NCL about that.

 

 Would you have any reason to believe the following is not a legitimate email?  

 

v

Declined Credit Card Notification for CruiseFirst Coupon

 

 

NCL

 

 

 

 

Norwegian Cruise Line <donotreply@ncl.com>	Mar 9, 2023, 12:00 PM (7 days ago)
to me

 

 

 

 

 

 

Client Name:	SMITH CHRISTINE M
Declined Credit Card #:	*3108
Amount:	USD 150.00

Dear Valued Guest,

Thank you for contacting Norwegian Cruise Line to purchase your CruiseFirst Certificate.
However, we regret to inform you that the Credit Card you used for your purchase has been declined.

Please contact us at 877-416-9722 with a new credit card number for payment.

THIS COUPON WILL NOT BE ACTIVATED UNTIL IT IS PAID FOR.


Sincerely,
Norwegian Cruise Line


Please do not reply to this email.
 

 

 

 

 

 

Edited March 17, 2023 by Smitheroo
to add file

[DinaS]

1 hour ago, Smitheroo said:

 

 Would you have any reason to believe the following is not a legitimate email?  

 

v

Declined Credit Card Notification for CruiseFirst Coupon

 

 

NCL

 

 

 

 

Norwegian Cruise Line <donotreply@ncl.com>	Mar 9, 2023, 12:00 PM (7 days ago)
to me

 

 

 

 

 

 

Client Name:	SMITH CHRISTINE M
Declined Credit Card #:	*3108
Amount:	USD 150.00

Dear Valued Guest,

Thank you for contacting Norwegian Cruise Line to purchase your CruiseFirst Certificate.
However, we regret to inform you that the Credit Card you used for your purchase has been declined.

Please contact us at 877-416-9722 with a new credit card number for payment.

THIS COUPON WILL NOT BE ACTIVATED UNTIL IT IS PAID FOR.


Sincerely,
Norwegian Cruise Line


Please do not reply to this email.
 

 

 

 

 

 

I would absolutely believe this is a phishing attempt.  I would never, ever call a number in an email like this.  I would always go to the website (not through the email) and get a number from there.

 

The rule is to never give sensitive information to anyone unless YOU initiated the contact.

Edited March 17, 2023 by DinaS

[Cruise5life]

A quick google of the phone number shows it to be an line for NCL personal planner.  
not sure if anyone else noticed that.   
just sayin.  

[Smitheroo]

7 hours ago, DinaS said:

The rule is to never give sensitive information to anyone unless YOU initiated the contact.

I never do. I didnt this time either.   I wasnt able to cut and paste the email to show how it really looked- graphics and all- so it does look kind of strange.  I am sure it was 100% legitimate. Now, if my credit card hadnt been declined on the BOA end then I'd wonder.  But I already knew it had and they were informing me of the same, just like any other business where I've had a declined credit card situation.  Everything seems to be okay now so this should no longer be an issue.  

[RocketMan275]

13 hours ago, Smitheroo said:

As I was being assured that there were no fraud alerts on my new BOA account (thru the NCL Mastercard) charges were still being declined and I was still receiving letters from BOA, threatening to close my account if I didnt respond in 25 days.  And when an account is closed, you lose your points.  I sure dont want to get into NCL about that.

Chase declined a purchase because of a suspicious transaction which was my purchase of a computer from Dell.  Chase told me the decline was because I didn't have a recent  history of dealing with Dell.  I did point out to them that one didn't normally purchase computers every month.