4 ms·

Unless the fraudulent transaction is due to the fact you just lost your credit card.

burnished 5y ago
The important part is that you are able to look up/personally verify that you are contacting the correct people. If I lose my card I can still look up the right number on my banks website. Because you cannot confidently identify a caller it is better for the customer to reach out using more easily verified information.
ajsnigrutin 5y ago
Well yeah.. but again, the number could also be in the footer of the banks website. People usually get scammed when they have the card with them... when they lose the card, they're the one actively looking for a phone number, and not presented with one from a scammer.
- BiteCode_dev 5y ago
  - "Sir, I'm calling you because I found your card, I called your bank, and they gave me your number. They told me you should report the card as lost in case it's been used fraudulently with the phone number that is written at the back of the card" - "Can you send me back the card?" - "I'm in a train, I won't be able to do that for a while. You should really call" - "But I don't have the number" - "I can read it to you" Pwn
  - ajsnigrutin 5y ago
    But for this, you must lose a card, not realize you lost it, a scammer must find your card, and he must somehow get your phone number to scam you.
  - mnw21cam 5y ago
    Red flag number 1 - my bank wouldn't give someone random my telephone number. That would be illegal.
    - lazide 5y ago
      Good thing there are no data leaks or compromises! /s That my bank insists on using essentially now public information now to verify (and refuses to use anything else, even after being repeatedly asked!) is also infuriating. Last 4 of SSN and DOB? Really?
      - mnw21cam 5y ago
        Well, the point isn't that my bank wouldn't "leak" my details - I certainly don't trust them that far. So it's absolutely possible for a random person to get my phone number from the bank. But if a random person were to phone me and tell me that my bank gave them my phone number to be helpful, I'd be calling that out as a lie.
        lazide 5y ago
        If someone spoofs the banks number on caller ID (trivial), knows all your security question answers, the bank you bank with, and your number - very few people are NOT going to fall for some kind of attack there correct?
        MichaelZuo 5y ago
        How could they figure out the internal account number without hacking into the bank in the first place? I’m fairly certain there’s no way to derive the account number from a debit card number or any of the info you mentioned.
        lazide 5y ago
        Via the data leak issue I mentioned? [https://www.bankinfosecurity.com/capital-one-warns-more-data-leaked-in-2019-breach-a-16338 https://www.bankinfosecurity.com/capital-one-warns-more-data...] which are becoming more and more common?
        MichaelZuo 5y ago
Vrondi 5y ago
That number should also be on every single billing statement you've ever received from them, so you know, check that paper or pdf.
kube-system 5y ago
If my bank has blocked fraudulent transactions for a card I've lost, I'm not in much hurry to respond. They've already blocked it, and I don't have the card to use anyway.

The important part is that you are able to look up/personally verify that you are contacting the correct people. If I lose my card I can still look up the right number on my banks website. Because you cannot confidently identify a caller it is better for the customer to reach out using more easily verified information.

ajsnigrutin 5y ago

Well yeah.. but again, the number could also be in the footer of the banks website. People usually get scammed when they have the card with them... when they lose the card, they're the one actively looking for a phone number, and not presented with one from a scammer.

BiteCode_dev 5y ago
- "Sir, I'm calling you because I found your card, I called your bank, and they gave me your number. They told me you should report the card as lost in case it's been used fraudulently with the phone number that is written at the back of the card" - "Can you send me back the card?" - "I'm in a train, I won't be able to do that for a while. You should really call" - "But I don't have the number" - "I can read it to you" Pwn
- ajsnigrutin 5y ago
  But for this, you must lose a card, not realize you lost it, a scammer must find your card, and he must somehow get your phone number to scam you.
- mnw21cam 5y ago
  Red flag number 1 - my bank wouldn't give someone random my telephone number. That would be illegal.
  - lazide 5y ago
    Good thing there are no data leaks or compromises! /s That my bank insists on using essentially now public information now to verify (and refuses to use anything else, even after being repeatedly asked!) is also infuriating. Last 4 of SSN and DOB? Really?
    - mnw21cam 5y ago
      Well, the point isn't that my bank wouldn't "leak" my details - I certainly don't trust them that far. So it's absolutely possible for a random person to get my phone number from the bank. But if a random person were to phone me and tell me that my bank gave them my phone number to be helpful, I'd be calling that out as a lie.
      - lazide 5y ago
        If someone spoofs the banks number on caller ID (trivial), knows all your security question answers, the bank you bank with, and your number - very few people are NOT going to fall for some kind of attack there correct?
        MichaelZuo 5y ago
        How could they figure out the internal account number without hacking into the bank in the first place? I’m fairly certain there’s no way to derive the account number from a debit card number or any of the info you mentioned.
        lazide 5y ago
        Via the data leak issue I mentioned? [https://www.bankinfosecurity.com/capital-one-warns-more-data-leaked-in-2019-breach-a-16338 https://www.bankinfosecurity.com/capital-one-warns-more-data...] which are becoming more and more common?
        MichaelZuo 5y ago

Vrondi 5y ago

That number should also be on every single billing statement you've ever received from them, so you know, check that paper or pdf.

kube-system 5y ago

If my bank has blocked fraudulent transactions for a card I've lost, I'm not in much hurry to respond. They've already blocked it, and I don't have the card to use anyway.