Cruise Guest Loses Nearly $20,000 in Sophisticated Phone Scam

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A guest sailing with Norwegian Cruise Line (NCL) has fallen victim to a costly scam that saw nearly $20,000 stolen, after being duped by a caller posing as an NCL air department representative.

NCL Airfare Scam

Now, an actual NCL employee who heard the guest’s story is sounding the alarm to prevent others from making the same mistake.

The fraudulent call came from a 301 area code, which the guest mistakenly assumed was associated with NCL’s Miami-based operations.

The scammer claimed to be helping arrange flights for a large group travelling together – a service that seemed perfectly in line with cruise line offerings.

According to the NCL guest services representative, who shared the incident on Reddit, the victim split the airfare charge across two credit cards.

Days later, both cards were compromised.

How the Scam Unfolded – Twice

After the guest initially lost money to the scam, the fraudster struck again.

About a month later, the same individual contacted the guest with seemingly good news: the airfare price had dropped, and the difference would be refunded – if the guest could provide new card information.

Tragically, the victim complied, unknowingly handing over her new card details to the same scammer.

“This poor guest is now out close to twenty grand,” the NCL staffer said. “There’s nothing I can do except give her advice and help her contact her bank.”

Because the scam occurred entirely outside official NCL channels, the cruise line is unable to directly reimburse the guest – who must now rely on her bank’s fraud protections.

Warning Signs and Red Flags

NCL’s actual employees never call from a 301 area code (which covers parts of Maryland). Instead, they use the 305 area code (Miami) or occasionally 954 (Broward County, Florida), according to the employee who posted the warning.

UK calls will typically come from a number beginning 0333, which is non-regional, and could still be used by scammers, meaning UK customers should be extra vigilant.

These small but crucial details could help guests quickly identify a scam.

Whether you’re booked on a luxury cruise or a quick island getaway, the rise in sophisticated fraud schemes means you need to stay vigilant.

Here are tips shared by the NCL employee to help keep your identity and finances safe:

Question unexpected calls: If someone claiming to work for the cruise line calls you out of the blue, don’t hesitate to challenge them with basic questions they should know – such as your current balance due or final payment date.

Verify through official channels: If something feels off, hang up and call the cruise line directly using the number listed on their official website or your booking confirmation.

Never give out card details over the phone unless you initiated the call to a verified number.

Monitor your accounts: Regularly check your credit card and bank statements for unfamiliar charges, especially after speaking to anyone about your travel plans.

Use the official app: Many cruise lines, including NCL, provide notifications through their official app once onboard – and never by outside or unverified phone numbers.

As this unfortunate guest discovered, scammers are becoming more savvy and believable, especially when dealing with high-value bookings like group flights or shore excursions.

While this story ended in financial loss, the silver lining is that the warning may help others steer clear of the same trap.

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Cruise Mummy

Jenni Fielding is the founder of Cruise Mummy. She has worked in the cruise industry since 2015 and has taken over 30 cruises. Now, she helps over 1 million people per month to plan their perfect cruise holidays.

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