PIN code Hi-Jacking:

A Scammer sets up a service associated with your bank account, something like Zelle for instance. During the process, your bank requires you to verify who you are by sending you a code that you type in to confirm it’s you requesting the change to your bank account. The scammer calls you claiming to be from your bank, maybe even the fraud department and tells you they wish to verify they are speaking to the correct person, thus they are going to send you a code, just read it back to them to verify it’s really you. They start the change to your account, you get the code, read it to them and they type it in on their side gaining access to your account.

So how do you stop this?

Several easy ways, all depending on how much you want to play with your scammer lol

1. Ask them their name and department they are calling you from, hang up, call the number on the back of your card and ask for that department and that name. That person will not be there, thus report the number that called you to your bank’s fraud department. Note: always call your bank from the number on the back of your card, do not ask the caller for the number to your bank, NEVER EVER!
2. Ask this “bank representative” to confirm they even have a number, ask for the first and last digit to confirm they really have it before you give them the whole of the number. This is fun, but it’s still better to call the number on the back of your card and ask for the department they claim they are calling from. Never give the caller the Pin number you receive on your phone, NEVER! If you didn’t call them for help, they don’t need to verify who you are!
3. If you REALLY want to waste their time, make up numbers. Ask them to resend the number and then make up more numbers. But make sure you DO NOT give them the numbers you receive on your phone. Again, if you did not call them from the number on the back of your card, then they do not need to verify who you are, it is a lie! And if you do give them those numbers, expect to lose money. Call the bank and get help, use the number on the back of your debit or credit card to get help right away!