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Recently I contested a fraudulent charge on a credit card. When they called me for information about the incident they couldn't offer any way for me to verify t
by trimethylpurine 3y ago
Recently I contested a fraudulent charge on a credit card. When they called me for information about the incident they couldn't offer any way for me to verify that they were from the bank they claimed to be from. No published number. Can't verify my information until they hear me give it. Can't call them back because they have an internal extension, it would go to the regular fraud number which starts the whole process over. My choice was either to cooperate or ignore them and pay the bill. It was in fact the real bank...
Sometimes you are forced to risk it.
- ParetoOptimal 3y agoThe risk for not paying seems lower for most cases I can personally think of.
- trimethylpurine 3y agoThis was a $6k transaction. Depends on your lot in life, you're right. But, I think the takeaway is that it takes both you and the bank to prevent fraud. And only one of those is in your control.
- BehindBlueEyes 3y agoI wouldn’t mind starting the whole process over if that was the cost of calling them back vs. Risking a scam on top of the 6000 transaction. That said banks can be pretty bad at avoiding scam-like messaging and promoting bad habbits.
- trimethylpurine 3y agoAh, I meant that there is no way to reach a second tier fraud handler on any published number. If you start over, you'll just repeat the escalation process, and end up with another unverifiable caller asking you to verify information.