You say that, but I’ve had my credit card call me about a charge and the information they asked was too specific. I hung up and called the official number and they confirmed it was indeed true and didn’t understand why I thought the way they did it was a scam.
Comment on Cory Doctorow gets scammed
Brokkr@lemmy.world 8 months agoWhen a possible fraud department calls you, you shouldn’t need to verify any digits of the card. Answer only yes or no.
Call them back if you need to give additional information.
stealth_cookies@lemmy.ca 8 months ago
perviouslyiner@lemmy.world 8 months ago
It’s scary how oblivious banks can be, and I think Brokkr is either lucky or optimistic about their procedures - I have seen even large banks like HSBC make “facepalm” mistakes like you described, and it sounds like Cory’s bank might even have outsourced their call handling to someone very close to the fraudsters.
xthexder@l.sw0.com 8 months ago
Depending on the credit card system used, there’s various levels of fraud detection. Some stores use a point-of-sale system for in-person transactions, and those generally don’t need the CVV code because you’re supposed to have the physical card. It doesn’t stop some businesses from using the system incorrectly, allowing them to charge a card without a billing address or security code.
This is part of why credit card signatures are basically useless compared to a pin that’s required for all in-person transactions.
baronvonj@lemmy.world 8 months ago
I’ve never had a legitimate contact from a fraud department that wasn’t an automated message stating to call the number on the card. I’ve never had a human call me to initiate a live discussion.
brianorca@lemmy.world 8 months ago
My bank has called me a few times. Each time they ask about specific transactions, so it’s mostly yes/no answers. (Occasionally I’ve asked for additional clarifying info, but they never asked about card numbers or the like.) Usually it’s been abnormal transactions that i know about, but a few times it was a cloned card number being used elsewhere, (before chip became standard) and then I had the card shut down.
SeeJayEmm@lemmy.procrastinati.org 8 months ago
I have. More than once. I always hang up and call back anyway.