This is accurate. One would expect a lot better from the fraud department of such a major bank but here we are... Their phone calls are almost indistinguishable

This is accurate. One would expect a lot better from the fraud department of such a major bank but here we are... Their phone calls are almost indistinguishable from phishing attacks. I usually politely tell them that I am going to hang up and reach their fraud department through the phone number on their website. I never had my account locked.