> Having said that, always assume someone calling you is a fraud. If your "bank" calls you, tell them you'll call back and don't call a number they provide over

> Having said that, always assume someone calling you is a fraud. If your "bank" calls you, tell them you'll call back and don't call a number they provide over the phone or in caller ID. I did this to a student loan company. The caller ID was that of my parent's house, and the woman on the other end was incredulous that anyone would demand that she prove who she was. And it turned out to be legitimate, incredibly, though I certainly did not think so at the time.