Comment by 4ndrewl
12 hours ago
That's the number one rule though. If someone calls you claiming to be your bank, just say "I'll call you back"
12 hours ago
That's the number one rule though. If someone calls you claiming to be your bank, just say "I'll call you back"
Ask them their name/ last initial, employee ID or unique identifier for the conversation, direct phone number, job title and what location they're based at. Scammers will pretty much always refuse/argue/hang up on this (once I had one start insulting my mother in Hindi when I asked him this). Then call your bank's proper number and verify all of these details.
(But in any case your bank will never call outwards to you, unless you've specifically requested that, which you almost never do.)
Unfortunately my UK banks (and others) DO regularly make calls to me unannounced and demand my ID to 'prove who I am'. They are not scam calls and the callers cannot understand what they are doing wrong. If I'd had more strength in the last round of this stupidity I'd have done a number on them with the regulator. (I used to work in finance and was the director of a regulated financial entity, so I think I'd have a head start.)
In the US Caller ID has been so hopelessly compromised (for almost two decades now, that's on Congress) that financial institutions almost never make outbound calls, and only ever use standardized published numbers; I wasn't aware other countries differ so much.
Please tell us more context with regard to your UK banks making multiple unannounced calls demanding your ID ... were you an individual customer? finance director? MD? or what? Why on earth do they do that? Have you told them in writing not to? There must be more backstory to that.
2 replies →
> They are not scam calls
What are they, then? Sales/marketing calls? Or some security notifications ("we noticed some suspicious operations in the last 3 days...")? If it's the former, that's still scam in my books. Specifically, it's a first-party scam, as opposed to a third-party scam, where some third party pretends to be your bank.
They both should be treated similarly; unfortunately, you can't report first-party scams to police.
8 replies →
Yeah and people call crypto a scam.
It mostly is, but Monero is pretty good.
it is time we have a good industry standard for this stuff
1 reply →
Or, which has worked great for me; just never answer the phone. If people need something they will email or chat. If not then it is not going to be important.
This. If people have a "real" reason to correspond with you they will have no problem making a record of it via a voicemail or text or email or whatever.
I've had friends that got into a spot of bother and tried calling from an unknown number. If it's a phone you can't text from, then leaving a voice mail with voice transcription is about the only way I'll know it's a friendly call
Nowadays, when banks call you here, they allow you to verify the bank is actually calling you with the mobile app - you can see their name and number they're calling you from in the app. Also, you can often verify you're you with the app too, same as any other app authorization, so you don't have to share any details over the phone. I feel like this is a pretty good improvement.
We have an app called bankid. If my bank calls me they'll ask me to open the app to auth, the app shows that the specific bank initiated auth and also says that they called me.
Same app is used to auth to government pages and all kinds of stuff online, even purchases.