(Variations on this scam have probably been posted but this was so clever and dangerous, I will post again)
Last weekend, I got a landline call from a credit card company that went to the answering machine. It was a voice-synthesized robocall from my credit card company fraud department. They had my name, address and last four of the card number. They told me charges had been declined and requested an immediate callback to an 800 number.
Being cautious, I checked online and saw no new charges. I then called the number on the back of the card and asked for the fraud department. They told me that they had no record of attempted fraud or declined charges.
The rep suggested that he call the 800 number while I listened in. As the automated call started he said “Boy, that sounds like our automated menu system”.
He then keyed in garbage responses to automated prompts asking me to confirm my ownership of the card by verifying:
- Full card number
- Security code from card
- Last four of my SS#
- My mother’s maiden name
It all sounded so authentic… Had I taken the call, I might have started answering the questions. Even just one answer would have left me screwed…
NEVER respond to “Fraud Department calls” - ALWAYS hang up and call the number on the back of your card!