this post was submitted on 14 Sep 2024
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I'm talking about TOTP in something like Bitwarden or Authy. You can still social engineer your way to getting a code, but a scammer would have to convince the user to reveal that secret, not just pretend to send a code.
It sounds like in the above case the codes were real 2fa codes from his bank as the scammers were resetting their login credentials then adding an external account to initiate a transfer. Presumably they were simply reusing info from a breach to make the scam smoother