I almost just got scammed hard: a cautionary tale. So, I got a call from the 1-800 number on the back of my ATM Card: Wells Fargo. I answered, and a Fraud Department agent said my ATM card had just been used at a Target in Minnesota, was I on vacation? Ugh.
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“Only the IVR system can see it. Hey, if it helps I have all your account info up… to confirm, the last four digits of your SSN are XXXX, right?” The guy WAS right, but something was very wrong.
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Apologizing for my paranoia, I had an idea: “Hey sir, I’m super super sorry, but something feels weird. I’ll call you back at the number on the back of my card, and we can finish this up. Is that ok? Sorry again. Anyone in particular I should ask for?”
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“Uh.... yeah you’ll just get another agent and… they’ll do it.” I hung up. I called Wells Fargo back. No one had used my card at a Target, and, yes, I was just four key presses away from having all of my cash drained by someone at an ATM. Be careful, friends!
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Yes, "don't you know my PIN" was my simplified way of saying "you shouldn't be asking me that"
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Don't we set the PIN when we receive and activate the new card?
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You definitely do. That is not a thing done over the phone. It’s why my brain threw the brakes
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Wait was the call actually from the WellsFargo #? Did they spoof it somehow, or an actual person at WF was trying to scam??
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It's extremely easy to spoof caller ID. In fact, most internet-based phone systems allow you to choose what you want displayed — it can be anything.
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No Bank Ever Knowns Your Pin Card Number Or Passwords :/ Just Security Questions :/ The Uk & EU Must Have Higher Standards, More Adverts Of Fraud Awareness & Education Compared To America :/
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