First National has received reports of scammers making cold calls using fake caller ID and impersonating our fraud department or claiming to be federal agents for various government agencies. The scammers then request personal details or demand payment from potential victims. When you receive a suspicious call – hang up right away and call a known number.
On legitimate outbound fraud verification calls, First National’s fraud team does not ask for security questions. Bankers already know your security questions and will only ask for the answers to your questions, not for the questions themselves. The bank only asks for details about questionable transactions to determine whether or not they were authorized. When bankers ask for answers to security questions, it is to authorize giving out account information, not to validate fraud transactions.
If you receive a call from someone claiming to represent the bank who begins asking for security questions and answers, hang up and call a known number. If there is a particular card product involved, such as a debit or credit card, call the number on the back of the card.