> It looks like you didn't even try it. In order to do what the GP described, when your bank calls you, you say nothing and answer nothing. You hang up and call

> It looks like you didn't even try it. In order to do what the GP described, when your bank calls you, you say nothing and answer nothing. You hang up and call back on a number you know. I did do exactly that. I asked them for a reference that I could give when I call back. They couldn't give me that. I then did try to call them back, and said "someone called me about something just now, what was it?" and they were not able to tell me. > If the bank can't answer that question, it's time to find another bank. Thankfully, that's not my normal bank. This was the bank that has by car loan. That's my only interaction with them. It's unlikely I'll have more business with them. > This does not look like success to me. It looks like failure. Absolutely. This along with the other issues suggests that they value convenience over security. Also, this is not a small bank we're talking about. I have never seen issues this bad with other banks, but the problem is that when there are banks that get away with this, that suggests people in general do not make a fuss about it and simply accepts whatever people tell them on the phone. If nothing else, it proves why phone scams work. If the bank didn't even have an answer when I asked them to authenticate themselves, that suggests very few people even ask.