I occasionally use Western Union to send money to my daughter and last week I used it to send money (as I have in the past) to a mission we help out in Mexico.
This morning I got an email from Western Union. It passed all of the checks to ensure it was not phishing. It said that I had made a transaction to send $400 to someone in the Ukraine, and they were holding up the transaction to ensure it was legitimate. I’m not sure what made it appear suspicious, but it absolute was not legit. The transaction date was today.
The form they sent me had my correct name, address, and phone number. The credit card they used was not mine - it just showed the last 4 digits, and that it was Visa, but I do not have a Visa card of any type with those last 4 digits. (I have a debit and a cc, neither’s last 4 digits nor exp date matched the card used.) It also showed up as a “purchase.”
Before I could call WU, they called me this morning. The person on the phone did not ask for any personal information, he just asked if I had made a WU transaction today. I told him I’d just seen the email, no I had not, and that was fraudulent. He asked if I’d made one last week, and I told him truthfully yes (thank goodness when I use WU I only give them cash and not a CC number of any kind) that one was legit. He didn’t ask for any details. Also, the number he called from is the phone number on the legit Western Union web site.
So - first, how worried should I be? Secondly - what kind of scam is this - not my credit card.
But the other part of this: How did Western Union accept this credit card #? I’m worried that someone has somehow gotten a credit card in my name. How do I check that?
EDIT: I just looked at my Western Union profile - there are two credit cards saved in payment info that are not mine.
Changing password of course, removing any CC info at all (fortunately it will not show your CC number) and basically closing the account and calling WU again.