The 22-year-old, from Pershore, was arrested on suspicion of fraud by false representation after trying to get the woman to give over her bank details and address.
The man, who claimed to be Jordan from Lloyds Bank’s fraud investigation department, called her seven times to arrange for a courier to come to her address and collect her bank details.
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He said this would “prevent further fraudulent activity on her account”.
However, the woman recognised his actions as a scam and decided to get him back by working with police officers to get him arrested.
The suspect was arrested after attending her home on Monday, January 13 and remains in police custody.
But, West Mercia Police said not everyone recognises these scams.
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In another courier fraud incident in Malvern, a woman in her 90s was targeted by people claiming to be police officers on Thursday, January 9.
What is Courier fraud?
Courier fraud is normally when a fraudster phones their victim and claims to be from the police, another law enforcement authority, or the bank.
They then con the victim into revealing their PIN and credit or debit card details or ask them to hand over cash or buy a high-value item and hand it over to a ‘courier’.
The most common victims of courier fraud are often elderly people.
They told her that her card had fraudulently been used at Malvern Retail Park and in London, and she had to part with £6,000 cash to sort out the issue.
A man then arrived at her house and collected the money on the same day as the phone call.
A spokesperson for West Mercia Police said: “Incidents like these are being tackled by West Mercia as part of Operation Prospero, which directly targets offenders posing as police officers, working in conjunction with Action Fraud.
“Anyone who thinks a bogus police officer may have contacted them should call 101 or report it via our website.”