I just finished reading about someone getting an Amazon package that they didn't order, and I had a similar issue this week. I'll explain, but please be patient reading this because it is really scary and I have no place to turn to.
I got a call on Thursday and they asked for me by name. I responded with who was calling and the person gave me their name and company name. I told them that I wasn't familiar with their company and asked what she wanted. She told me that I was being overcharged for the interest on my credit cards and it was in violation of some Federal Law, and she spouted off a bunch of numbers. I then asked her what credit cards she was referring to, and she identified my Capital One and Chase cards. I told her that I have multiple cards with multiple banks and could she be more specific. She said could I hold on for a moment while she pulled up m;y information. She didn't ask me for any identifying information nor would I have given her any information. She proceeded to give me the first 12 digits of both of my credit cards and when I asked for the last 4 digits, she told me that she couldn't divulge them to me. I then asked what other information she had to identify me, and she proceeded to give me the last 6 digits of my Social Security number. At the beginning of the call, I did ask where she was calling from and was told Phoenix, so I asked for the zip code. I checked the zip code on my computer while talking to her, and the zip code was for Tucson, so I already knew the call was coming from outside the US. After she gave me my SS number she then told me that since I had a zero balance, I didn't qualify for their service. I had already gotten the name of the company that she supposedly worked for and it was a legitimate company in the US. I did want to end the call so I asked for her telephone number, extension, and name and said that I would call be when I had more time.
I then called Capital One and asked for a Supervisor, and asked him if they had a data breach after explaining everything about the call that I had received. He told me that they didn't have any breaches and that all that information was available on the dark web. Then he blew me off saying that there was nothing more for him to tell me. I also called Citi Bank and explained everything to them, but they took more information from me and told me that they would be sending it to the fraud department.
I watch my cards daily for any charges that I hadn't made, and what blew my mind was that I had a new card from Capital One that was only 16 days old, and that is the one that the "spammer" had the number of. This is why I think that there was a data breach at the bank. Neither bank offered to send me new cards.
Next, I checked Citi Bank's "Credit Wise" which also notifies you of anything that they find on the dark web about you. The only thing that they had reported was that my business email address was listed with my name, which I was aware of for more than the past 5 years.
I have had a freeze on my credit reports for the last 5 or 6 years, so there is no way that anyone can get into my credit reports without my lifting the "freeze". I also put a block on my information on the eVerify website. and the only other thing that I can do is to put a block on my Social Security Number.
Now, all I can do is wait to see if anything bad happens. I am at a loss as to where to go next.
I got a call on Thursday and they asked for me by name. I responded with who was calling and the person gave me their name and company name. I told them that I wasn't familiar with their company and asked what she wanted. She told me that I was being overcharged for the interest on my credit cards and it was in violation of some Federal Law, and she spouted off a bunch of numbers. I then asked her what credit cards she was referring to, and she identified my Capital One and Chase cards. I told her that I have multiple cards with multiple banks and could she be more specific. She said could I hold on for a moment while she pulled up m;y information. She didn't ask me for any identifying information nor would I have given her any information. She proceeded to give me the first 12 digits of both of my credit cards and when I asked for the last 4 digits, she told me that she couldn't divulge them to me. I then asked what other information she had to identify me, and she proceeded to give me the last 6 digits of my Social Security number. At the beginning of the call, I did ask where she was calling from and was told Phoenix, so I asked for the zip code. I checked the zip code on my computer while talking to her, and the zip code was for Tucson, so I already knew the call was coming from outside the US. After she gave me my SS number she then told me that since I had a zero balance, I didn't qualify for their service. I had already gotten the name of the company that she supposedly worked for and it was a legitimate company in the US. I did want to end the call so I asked for her telephone number, extension, and name and said that I would call be when I had more time.
I then called Capital One and asked for a Supervisor, and asked him if they had a data breach after explaining everything about the call that I had received. He told me that they didn't have any breaches and that all that information was available on the dark web. Then he blew me off saying that there was nothing more for him to tell me. I also called Citi Bank and explained everything to them, but they took more information from me and told me that they would be sending it to the fraud department.
I watch my cards daily for any charges that I hadn't made, and what blew my mind was that I had a new card from Capital One that was only 16 days old, and that is the one that the "spammer" had the number of. This is why I think that there was a data breach at the bank. Neither bank offered to send me new cards.
Next, I checked Citi Bank's "Credit Wise" which also notifies you of anything that they find on the dark web about you. The only thing that they had reported was that my business email address was listed with my name, which I was aware of for more than the past 5 years.
I have had a freeze on my credit reports for the last 5 or 6 years, so there is no way that anyone can get into my credit reports without my lifting the "freeze". I also put a block on my information on the eVerify website. and the only other thing that I can do is to put a block on my Social Security Number.
Now, all I can do is wait to see if anything bad happens. I am at a loss as to where to go next.
