[hedora]

I've had other banks call for fraud alerts.

Once, I got a call about attempted activity on a debit card. The person gave the wrong last four digits of the card number, then the call dropped due to poor cell reception.

This was on Christmas Eve or something. I called the number on the back of the card, but they were an outsourced call center for card replacements. Fraud alerts had been outsourced to a different company, so they had no idea if the call was legit.

I went into the physical branch the next week, and spoke to a manager. They said it could be legitimate or not. I think we ordered replacement cards at that point, and watched the next few statements more closely than normal.

Honestly, the behavior of the scammer sounds more legitimate than the actual non-scam behavior of the last half dozen banks I've dealt with.