Danger Will Robinson…
The other day I received what looked like a bank statement from Capital One. It had my name, Larry’s name, our address, and a small 4 digit dollar amount in the account.
I don’t have a Capital One account. I don’t need one, and certainly don’t need another account of any kind.
But, could one of my previous accounts have changed names and I’d forgotten?
But...the account numbers didn’t look quite right to me...not long enough and no hyphens.
I called the number on the statement and the recording asked for the first four digits of my SS number followed by the # sign. I gave them some random numbers off the top of my head.
Then it asked for my zip code.
That’s when I hung up.
What I did next was look up Capital One and call them directly.
They could not find any account. The representative also said that they don't ask for the first 4 digits of a Social Security number but the last 4. Think about it...these days people will verify your account using your last 4 digits. If you give someone your first 4 then all they have to do is randomly insert 1 number (1-9) and they'll have your Social Security number.
I have since sent them a copy of the statement, and their fraud/abuse department is looking at it.
We all know about the scum of the world that choose to make money off of others. And we read about what to do. But it’s too easy to get caught up in our daily lives that we let our guard down.
First- if you receive something like this DO NOT call the number they provide for you.
Find the number of the financial institution and call them directly.