I stop the call in similar situation and call the bank to verify.
When banks call to verify your details how do you know the call is legitimate?
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Re: When banks call to verify your details how do you know the call is legitimate?
#22I don't pick up the phone for unknown numbers so I wonder what the plan would've been for someone like me.
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Re: When banks call to verify your details how do you know the call is legitimate?
#23I treat all unsolicited calls asking for personal information as scams. Scammers can spoof calling numbers to make it look like it came from your bank. Basically everything they say on the call should be treated as being fraudulent. The scripts have been tailored to use a variety psychological tricks to fool you.
Yeah: Any legitimate institutions will have no problem giving you information (like an extension-code) that you can use to re-contact them back via official channels. (This does depend on not being tricked by going to a fake website with fake contact-info, of course.) Anyone who threatens you with fines/arrest/whatever for ending the call early is a scammer.
This isn't necessarily true.
For example Equifax's TheWorkNumber won't do this (companies that don't do background references/verification of employment use this service), and their representatives and processes seem to follow similar practices employed by scammers.
Re: When banks call to verify your details how do you know the call is legitimate?
#24Scam. No reputable bank will do this.
Re: When banks call to verify your details how do you know the call is legitimate?
#25My bank's phone app (in Finland) has a feature to authenticate a call from the bank.
(I've only actually used it once - a couple of years ago - so I'm sorry, I can't recall how it worked or what exactly the authentication procedure was.)
Re: When banks call to verify your details how do you know the call is legitimate?
#26Banks do not do this. It sounds like a phishing attempt because it is.
Imagine the cost of calling every single client individually. If something like this would change, they would send a letter.
Don't forget that spoofing caller ID of telephone numbers is possible.
Re: When banks call to verify your details how do you know the call is legitimate?
#27The only time I saw this handled correctly, and I forget the company now, worked like this:
They would call you and then want to verify themselves to you. You would be asked to open the companies app. The app noticed you were in a support call and had a link at the top taking you to the support section of the app. The caller would then read you a code you would type in and it would let you know if the call was legit.
Re: When banks call to verify your details how do you know the call is legitimate?
#28Bank won't make the effort to call people. They would send out a letter that they will change it and if you don't want it changed you have x days to contact them.
Re: When banks call to verify your details how do you know the call is legitimate?
#29Banks will never do this.
You should always verify with an app or by calling back.
Even the apps you might want to randomize the service worker in case of insider criminal