This is so true! It's absolutely mind-blowing how a fraud warning can be immediately followed by an impromptu call from someone's assistant using a cellphone.

This is so true! It's absolutely mind-blowing how a fraud warning can be immediately followed by an impromptu call from someone's assistant using a cellphone. This is also more broadly true of the consumer lending industry. One of the things that totally boggles my mind is that consumer loans are bought and sold, and then a consumer just receives a random letter one day: "hey, start sending your payments to me now!" How on earth is the poor consumer to know that the random person who is demanding money actually holds the note? And it's not like the student loan or the auto loan or the mortgage loan originator actually has a phone number one can call where someone actually reliably will answer the phone and will actually know whether the note was sold or not (have you tried to get a student loan servicer on the phone?)... I think probably the only solution for that industry is to legislate rational security practices at them.