this post was submitted on 15 Mar 2024
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When a fraud department calls you, you don't need to provide any more information than your name and yes/no answers. If they are asking for any additional information, tell them that you don't trust their authenticity and that you'll call the number on the credit card. A legitimate agent will politely end the conversation there.
Then you better call that number on the card quickly.
True for any company asking for anything sensitive.
I've gotten scams from my internet provider asking me if I want to upgrade my plan with a new discount. Caller ID was spoofed and it sounded pretty legit, until they started asking me about my current plan tier and price. I was like "uh, you tell me. You're the one with access to my account info." After they hemmed and hawed about that, I just hung up.
Honestly, you should be suspicious of ANY incoming calls at this point. There are convincing scams that spoof the voices of people you actually know using trained AI. It's actually pretty easy to do now, since you only need a few seconds of audio to use as a training sample. Anyone who's ever posted a video with their voice on social media can potentially have their voice spoofed. I've warned my family about this, since most of us have our voice out there somewhere.
Phone calls are dumb. SMS is dumb. Phone numbers are dumb. Phone line security is basically non-existent. It's wild that phone numbers have become the de facto ID on the internet; almost everything requires SMS auth to register now. PHONE NUMBERS ARE NOT PERSONAL IDS.
The worst thing imo is when a form will say they need to verify your identity, so they ask you to give them a phone number you can receive a text at to do a 2fa.
...how, exactly, does that verify anything other than that I own access to a phone number that can receive a text?