On the phone, “William McAuley” was calm and helpful. Jo, who did not want her last name used, had already had fraudulent activity on her credit card that week – and now, McAuley told her, her bank account had been compromised.
He said he was from the Up bank’s fraud team and knew all her details – her date of birth, how much she had in her accounts. He sent her an “authentication text” that appeared in the same message thread with legitimate Up communications.
