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callsign-smalls · 21 days ago

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PSA: Credit Card Phone Scam

(Or, how Tumblr just saved my ass)

I saw a PSA recently about a scam going around with spoofed official numbers calling and asking for information, and how you should hang up and call back using the correct number rather than just go along with what the caller is telling you. But this is Tumblr, so I'll never be able to find the post again.

I decided to make my own, because this literally just happened to me an hour ago. Hopefully my story can spread some more awareness and save other asses the way mine was saved.

Around 7:30pm tonight (Friday), I got a phone call from a 1-800 number. I almost didn't answer it, then I saw it was 1-800-465-4___, and I recognized that as the start of the CIBC phone number, so I picked up.

Me: Hello?

Guy: Hi, is this [MrsD]?"

Me: Yes.

Guy: Hi, [MrsD], this is _____ from CIBC, how are you tonight?

I thought, okay, this is a sales call. Right before I'm about to sit down for dinner. Typical. Mentally, I'm already putting together an exit strategy, preparing to say no to everything and get off the phone ASAP. But then—

Guy: We've just flagged suspicious activity on your CIBC Visa card. It was an online BestBuy transaction for $980.00. Was that your transaction?

Me, flustered: Uh. What? Sorry, how much?

Guy: $980.00 at BestBuy, was that you?

Me: Oh. At BestBuy?

Guy: Yes, your card was used at a BestBuy in [town nearby]. Was that you? Did you go to [town nearby] today? You don't live in [town nearby], right?

Me: Uh. No?

Guy: Okay, so I need some information to verify this transaction.

By this point, my brain had caught on that something about this was hinky. First of all, I thought he said it was an online purchase, then he said it was in person. But maybe I'd misheard, he was talking fast. My second thought was that every other time there was a suspicious transaction, I got an automated phone call and a text message with instructions to call back. I've never had a person call me directly.

My third thought was, well, the phone number on the caller ID was right....

THEN! I remembered a Tumblr post I saw recently, and I remembered what it told me to do.

Me: I'm skeptical about this call. I'm going to call CIBC myself and look into this.

Guy: What? Ma'am, you can just tell me, I can verify—

Me: No. Thank you, but I'll call the number on the back of my card.

Guy, getting more agitated: Ma'am, if you look at the number on your card, you'll see it's the same number.

Me: You know that can spoofed, right?

Guy: Uh— but ma'am—

Me: Sorry, but I need to make sure. I'm going to call CIBC directly.

The guy kept sputtering, but I hung up on him. In that moment, I really didn't think that he was a scammer. In fact, I thought I was being paranoid and was maybe kinda rude to the guy. I wondered if I was being overcautious, and I felt a bit guilty.

I called the number on the back of my credit card, waited 15 minutes for an agent, and told him what just happened.

IMMEDIATELY—

Agent: You didn't tell him anything, did you?

Me: No. I said I wasn't in [town nearby] today, but that's it.

Agent: Good. You did the right thing by calling us, let me look into the transaction for you.

Then, a minute later:

Agent: I'm not seeing any transaction like that. There's no flags on your card, nothing suspicious at all.

Me: So it was a scam?

Agent: Yep. Entirely fake.

I was honestly surprised. I really thought that there was some kind of mix-up and that I would be apologizing to this guy for being rude to his colleague.

Looking back on it now, I can see all the telltale signs of it being a scam call:

Time of day. Early evening on a Friday, chances are people are either sitting down for dinner or in a hurry to get somewhere. In this situation, a lot people probably wouldn't think twice about giving "the bank" some information just to get off the phone. (Joke's on them, I have no life!) But the way that I reacted to his introduction did evoke the desired reaction of Ugh, what now? Leave me alone! that the scammer was banking on (pun intended).

Sense of urgency. The scammer spoke fast, threw details at me quickly, and made sure I knew that I had to give him my information right away. This honestly threw me off. It was overwhelming, and I felt concerned and a bit frantic for a few seconds until I thought about what I know about scams and what I'd just read in that Tumblr PSA.

Complete lack of empathy or understanding about my skepticism/anti-fraud precautions. The last time I had to get a new credit card number due to fraud, the agent I spoke to said things like "I know this is frustrating", "I'm sorry this is a hassle", etc. And of course the CIBC agent I spoke to tonight was immediately grateful that I'd called them directly and reassured me that CIBC would never ask for information. By contrast, the scammer was outright dismissive of my concerns and got agitated when I wouldn't just trust him right off the bat.

Emotional provocation. Similar to #2 & #3 above, the scammer was very good at making me feel things. Worried and fearful at first, then guilty about being suspicious, to the point where I actually apologized to the guy. (Granted, I am Canadian, but still!)

And finally, I cannot stress enough: the spoofed phone number. I am a pretty well-informed person. I keep up with news about scams and whatnot. I know that phone numbers can be spoofed. I've been in front of my phone when it just starts to ring and I can see the auto-dialler number appear briefly before it gets replaced with a number that has my area code. But tonight—early evening on a Friday—I was cooking dinner and my phone was across the room. It had rung several times by the time I got to it. I only picked it up because I recognized the CIBC number. And when the scammer started his spiel, the fact that the number was the same was enough for me to give him just a tiny moment of trust. Had he actually gotten past that first barrier and started requesting my information, I think I would have caught on, because people asking for sensitive information over the phone is a huge obvious red flag. I like to think I would have caught on, anyway. But maybe not! That fake number almost had me.

TL;DR: No matter what the number on your caller ID says—that it's your bank, your energy company, your internet provider, whatever!—if the person on the other end is requesting sensitive information urgently, don't panic. Stop. Think. Then tell them nothing, hang up the phone, and call your service provider yourself using a verified phone number.

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callsign-smalls · 4 months ago

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CoD/Military Writing Reference Masterlist

Here is a compilation of information (with references/links/citations) that I think the CoD fandom and fic writers in particular might find useful:

British Army:

Here is a list of ranks and abbreviations (with appropriate capitalization) (for anyone with the shinigami extension, sorry, it's the BBC)

Here is a list of the equivalent ranks of the British services and US Air Force (for some reason not the US Army or US Navy. Don’t ask me why lmao).

Here and here are some posts about the ranks in the 141 and general attitudes that they would hold for each other (and how others would see them)

Here is a detailed breakdown of the British Army organization (with average numbers and who is in charge of who).

Here is the wiki page for British Army uniforms (literally good luck, I’ve spent hours trying to figure out when soldiers wear what). As far as I can tell, the 141 would wear the No. 8 Combat Dress 90% of the time with the SAS beige beret. For formal events, they would wear the No. 2 Service Dress with berets instead of peaked forage caps. Interestingly, the Royal Regiment of Scotland can wear their No. 2 Service Dress with kilts (which I know Johnny would be livid about because he can’t). Super formal occasions are marked by the No. 1 Temperate Ceremonial, or “dress blues”.

Commissioned ranks are Second Lieutenant and above. These are members who hold positions of authority granted by formal documents of appointment signed by the monarch. In the US (which I am assuming is the same or similar in the UK), a commissioned officer has gone through officer training, which usually requires a university degree or a military equivalent.

Warrant Officers (WO) and Non-Commissioned Officers (NCO) are included in the enlisted ranks. They are members of the enlisted ranks who hold positions of authority. WOs are granted authority through a warrant instead of a commission and must be promoted from an NCO rank. NCOs are Lance Corporals to Staff Sergeants.

The only enlisted rank is Private. These are members who have enlisted and have gone through basic training in order to be counted against the Army’s trained strength.

Sergeants (Gaz and Soap) are among the highest-ranked NCOs and therefore have a lot of practical experience (more, sometimes, than commissioned officers). They have climbed through the ranks from Private all the way to the top of the enlisted ladder. Commissioned officers, on the other hand, have the option to skip the enlisted ladder altogether and jump straight to Second Lieutenant (assuming that they are entering the army with a university degree). However, it is canon that both Ghost and Price were promoted from enlisted ranks. Nevertheless, the NCO/CO divide would be stark; Price and Ghost both have pieces of paper signed by the Royal Crown that give them authority while Gaz and Soap don’t. That being said, Gaz and Soap are incredibly high ranking enlisted while Ghost and Price are (relatively) low ranking officers. While they have less authority, they have similar levels of responsibility and leadership.

Comm discipline is incredibly important in the military. Communication must be clear, concise, and (most importantly) unambiguous. There are many, many commands that can be given over the radio and some of them aren't as self-explanatory as they may seem. Here are some of the basics, lingo, etiquette, and FAQs about military radio communications.

SAS:

The SAS is nicknamed "The Regiment", its motto is "Who Dares Wins", and its color is pompadour blue. Contrary to popular belief, the dagger on the badge is wreathed in flame, not wings.

"The SAS is the mirror in which other special forces reflect." The SAS is the most elite special forces regiment in the world and they all know it. They take their jobs incredibly seriously and are held to a ridiculously high standard, both by their superior officers and by themselves. The 141, as a specialized task force, would take both their training and their commitment to their job to the extreme. The SAS has a fierce reputation of being the blueprints upon which every other special forces regiment was founded, and every single one of them takes an incredible amount of pride in that. It's easy to characterize Soap as a rookie, especially because of his reputation as the Perpetual FNG, but he alone could run circles around every single non-special forces soldier in the world (and a hell of a lot of the special forces soldiers, too).

The SAS consists of one regular and two reserve units. The 22 SAS (regular) is based in Stirling Lines, Credenhill, Herefordshire and has five squadrons (A, B, D, G, and Reserve) and a training wing. The 21 and 23 SAS are the two reserve regiments.

The UK Special Forces do not recruit from the general public. All current members of the armed forces can apply for Special Forces selection, but most have historically come from the Royal Marines or Parachute Regiment. In 2018, recruitment policy changed to allow women to join the SAS for the first time and in 2021, two women passed pre-selection, making them the first women eligible for the full course.

The SAS Selection Process is held twice a year (once in summer and once in winter) and is a three-phase process that has an 8-10% pass rate. Between 2014 and 2022, there were more deaths in training and exercises than in combat against active threats.

Phase 1 is an endurance test, known as “the hills” stage, where candidates undergo a series of timed hikes between checkpoints with increasingly heavy packs. This phase takes a total of three weeks and culminates in a 40-mile hike carrying 55lbs that must be completed in 24 hours. By the end of this phase, candidates must be able to run 4 miles in 30 minutes and swim 2 miles in 90 minutes.

Officers undergoing SAS selection have a week-long phase which assesses their ability to plan operations while fatigued and stressed (sucks for Price and Ghost; Gaz and Soap would've skipped this step).

Phase 2 is Jungle Training, which takes place in Belize, Brunei, or Malaysia. Candidates are taught navigation, patrol formation and movement, and jungle survival skills; they are put into teams of four, where they simulate living for weeks behind enemy lines, living completely off of rations without a lifeline back to base.

Phase 3 is E&E (Escape and Evasion) and TQ (Tactical Questioning)/RTI (Resistance to Interrogation). This is the final phase. Candidates are given brief instructions on appropriate techniques (likely from former POWs or special forces soldiers) and then are let loose in the countryside, where they must navigate to a series of checkpoints without being captured. After 3-7 days, whether they have been captured or not, they then report for TQ, which tests the candidates’ ability to resist interrogation. During TQ, candidates are only allowed to answer with “the big 4” (name, rank, serial number, and birthday) and all other questions must be answered with “I’m sorry but I cannot answer that question” while being subjected to what is essentially no-touch torture (listening to white noise for hours, standing in stress positions, being verbally berated/humiliated, etc) for 36 hours.

After all of that, candidates are accepted into the SAS ranks, but still go through continuation training, during which many SAS soldiers are RTU’d (returned to unit).

The youngest person to ever (IRL) pass SAS selection was Lofty Wiseman in 1959 at the age of 18. In order for Johnny to have beaten that record, he must have been 18 or younger when he passed selection. Given that the minimum age for enlistment in the UK armed forces is 16, this is entirely plausible.

The names of regular SAS members who have died on duty were inscribed on the regimental clock tower at Stirling Lines, which was rebuilt at the Credenhill barracks. Those whose names are inscribed are said by surviving members to have "failed to beat the clock". The base of the clock is also inscribed with a verse from The Golden Journey to Samarkand by James Elroy Flecker.

Military Life:

During basic training, soldiers live in gender-segregated accommodations in a dorm-style room. Once out of basic training, however, many barracks are individual rooms with en-suite bathrooms (big win for our Sergeants). At most, trained soldiers would live in 4-person rooms separated by gender. The fastest and most reliable way to get off-base housing is to get married, but many commissioned officers get a housing stipend in order to move out of the barracks, meaning that Ghost and Price would likely (if they so chose) have houses near Credenhill, while Gaz and Soap would have individual rooms in the barracks. While deployed, all bets are off.

Many tattoos and piercings are permitted by the British Army. Here are the official guidelines. In terms of hair style/length, the rules are few and far between and incredibly vague to boot. As far as I can tell, Soap’s mohawk, Price’s sideburns, and Ghost's... everything are vastly out of regulations, so I wouldn’t be too concerned about any of the 141 following personal appearance guidelines (Gaz is likely the only 141 member within regs which is a little shocking considering most military regulations are unfairly biased against people of color, but that's neither here nor there). If you’re interested, here is the 2021 version of the guidelines, though many of them have been updated since.

As of 2002, unmarried service members are permitted to invite their partners to stay overnight in single-room barracks (again, big win for our Sergeants). However, these guests must report to the duty and sign in, which is a hassle, so sneaking someone on base is still a plausible course of action.

Unfortunately, I can’t find any information on the use of alcohol/drugs in barracks, but I assume that the regulations are similar to those of the US armed forces, where alcohol is permitted to any off-duty member (any member who is on authorized leave) above the legal drinking age.

Humor: military humor has a pretty infamous reputation for being dark as fuck. Soldiers joke about a lot of stuff because they deal with a lot of stuff, and humans naturally cope through humor. There aren’t a lot of resources for this, because soldiers don’t like that kind of stuff reaching civilian ears (for pretty obvious reasons). Active special forces soldiers like the 141 would have especially fucked up senses of humor because they deal with especially fucked up scenarios. Don’t push yourself for the sake of realism, though; if you aren’t comfortable writing jokes about active hostage/bomb/terrorist situations, don’t write those jokes. However, if you think of a fantastically dark joke and want to include it, know that it would be perfectly in character (especially for Ghost) and true to real life. They absolutely would casually joke with each other about racism, homophobia, xenophobia, war crimes, torture, etc. The important part is that they all know that it’s always a joke; shared humor is one of the most common ways that soldiers bond with each other, and being able to take the piss with each other is key to unit cohesion. If you don’t like that or if that makes you uncomfortable, don’t write it!

Fraternization: In general, fraternization is strictly prohibited. It’s grounds for a reassignment at best and a court martial at worst. One or both parties may be dishonorably discharged. Realistically, any relationship between anyone in the 141 (with the exception of Soap and Gaz, who are of equal rank and therefore their relationship does not affect the chain of command, big win for SoapGaz shippers) would be strictly prohibited and treated as a criminal offense. It is up to you whether your characterization of the 141 members warrants any action upon the discovery of fraternization or if it would be ignored in favor of keeping the team together. An argument could be made either way, so it’s a judgment call.

Call Signs:

The IRL SAS does not use call signs; they are almost universally used for pilots across all military divisions, which means that regular soldiers, even those in Special Forces, don't get call signs. However, as the CoD universe evidently uses call signs, here are some things you should know:

No one really knows how call signs originated. Some say that they started as nicknames given to pilots in the early days of flight. Others say that they originated as a way for ground control to quickly and easily refer to pilots over the radio. In any case, call signs have cemented themselves firmly in aviation culture

Call signs are not supposed to be cool. Ghost in an anomaly. The vast majority of people are not given call signs like Maverick or Iceman. A call sign is supposed to be (playfully) teasing and embarrassing; it's what the military calls "humility culture". They are often a derivative of a last name, based on physical features or personality, or related to a mistake the soldier made early in their career.

A call sign, once given, is rarely changed. Call signs follow soldiers for the entirety of their careers and beyond, and it is not unusual for fellow soldiers to only know each other by their rank, call sign, and last name (some can go their entire careers without knowing each others first names; a call sign basically replaces a soldiers first name).

Call signs are voted on and chosen by the soldier's squadron; they have very little (if any) say in the process. The squadron's commanding officer has the ability to veto a proposed call sign and often will if it crosses any lines (racist, sexist, etc) or if it isn't funny enough.

Here is a forum of US Naval call signs and their stories. I highly recommend giving it a read, especially if you need name ideas or a good laugh

General Writing Reference:

Resource for describing physical things (settings, weather, colors, textures, shapes)

Sickness Descriptors

Keeping Tenses (one of the most common writing mistakes in fic writing; this blog has a lot of very informative writing tip posts!)

WordHippo (One of the best dictionary/thesaurus/rhyming dictionary websites I've found and unfailingly keep open while writing/editing)

Tumblr account dedicated to writing characters of color

Tumblr thread with resources/references for international clothes and other items

Tumblr post with links to building/architectural terms and references

Tumblr post with links to helpful writing websites/resources (reverse dictionary, translator, body language, etc)

Misc Helpful Links (Will be Updated):

https://www.eliteukforces.info/special-air-service/ (detailed information about the SAS, selection, training, operations, weaponry, skills, and roles)

https://www.nam.ac.uk/explore/british-army-ranks (British Army ranks in order with brief descriptions of roles/responsibilities)

https://en.wikipedia.org/wiki/List_of_British_Army_installations (List of British Army bases and barracks, both in the UK and overseas)

https://www.quora.com/Does-the-British-Army-really-have-mixed-dorms-as-in-the-TV-show-Our-Girl (Quora forum detailing British military barrack living conditions)

https://taskandpurpose.com/news/military-pilots-call-signs/ (Blog post about aviator call signs and their use in military culture)

https://www.military.com/history/history-of-aviator-call-signs-and-how-pilots-get-their-new-name.html (Blog post about the history of aviator call signs in the military)

https://www.tumblr.com/sighmurderbot/735894836939472896/are-you-like-me-suddenly-obsessed-with-cod-and (Tumblr post - CoD mission generator)

https://www.army.mil/ranks/ (lots of very helpful information about US Army enlisted, warrant, and officer ranks as well as corps and division sizes/operations. Whoever designed this website needs a raise tbh)

If you found this useful, feel free to drop a like! I like knowing that my hard work is being used and appreciated!

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