[Algent]

The only time I ever triggered fraud detection system on my card I got a text message from bank that was "Your card is blocked due to suspicious usage, please call 'number'". And the number was also some random unlisted one. Only reason I didn't just ignore the thing is I did make a purchase on new website a half an hour before.

Called my local bank and they confirmed this was legit, I almost went off on a full rant about how bad their protocol is for this.

[microtonal]

One of my former banks handled this pretty well. They called you and would say something like “there is an issue, but since you should never trust a direct phone call pretending to be your bank, please look up our number on our website and call us”.

It’s kinda nice because while doing this, they also educate their customers to never trust such a call and to rely on official information to contact them.

[OkayPhysicist]

My credit union does the same but with "call the number on the back of your card". I suppose they have a lot of practice getting it right, given that their idea of a suspicious transaction is any transaction out of state.

[khedoros1]

Mine did the opposite for a while. In the event of an issue, they'd call, tell you that they were putting you on hold for a teller, and the first thing the teller did was identify the bank and ask for personal information to verify the account.

I always made a point of telling them that they had called me, that I had no proof of who they were, and that I was going to call back from the published number.

[JoshTriplett]

That is a great demonstration of best practices. What bank was that?

[jlokier]

I've had the version of that where I called my bank's listed number to confirm the incoming "call us on this number" voicemail was legit, and they said NO, the call is not a legit number of theirs, the account looks fine, I was right to check, and they agreed it seemed like a scam call.

A few days later I found out the call really was from the bank, and the bank had blocked my account, in a way that took a long time to unblock (don't get me started...). As ever, I found out the hard way, when I needed to use the account for something in real-time and it wasn't available.

But the call was from a different department than general customer support, the department's number wasn't known to customer service, and the account status change wasn't visible to customer service either.

So the bank's own customer service thought it was a scam call!

[john01dav]

Name and shame whoever did that. The last time that a bank tried to pull such shit at me I wrote about it all over the Internet and to this day it comes up when you search for that bank (either my post or others complaining/warning others of the same problem).