"I just got a call from someone claiming to work at my bank, She was
offering to send me a new credit card with a great reward program but
before she could run my credit, she wanted to know my mother’s maiden
name. She was taken aback when I asked her to first verify specific line
items from my bank transactions. I told her I'm not about to give you
my personal info based on a single cold-call. If you are really who you
say you are, you can tell me the date/amount of my last electric bill
and the auto-insurance bill.
She said I was the only customer to make her answer security
questions in the last 6 weeks she has been doing this. She did answer
them correctly and also confirmed some other things (related to the
physical bank location she claimed to be at) that she wouldn't know if
she was a scammer.
While this one was a legit call, I have had people hang up on me in
the past as soon as I asked them to verify something specific from my
account / history. I have had smart friends fall for very sophisticated
scams because the caller knew their address and last 4 of their social.
My advice has been to (1) make them answer specific questions that only
the right people will have and if still suspicious (2) tell them to make
a note on my account (with their name/extension) that I will call back
immediately and then I find the 1-800# from Google and ask the agent to
transfer me back to whoever called me..."
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