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I used to work for Wells Fargo. Yes it sucked. But one take away I tell everyone is to thank the caller, hang up, and immediately call your bank. If anyone calls from a bank do this. It is the only way to be sure. And don't call the number that called you. Call your official bank customer service.

My friends sometimes change numbers. Gig venues often phone. People who want to employ me phone. It isn't practical to say "never answer your phone".

Hang up and call the fraud prevention number on the back of your card.

Simple solution to be safe from bank fraud: don’t open or answer texts/calls. Call your bank immediately.

Who answers their phone if it’s not in your contact list

Good advice. I suppose my reaction would be to treat it like a suspicious email and call the bank directly with their number posted on their website. “Thank you, this sounds important.” (a little validation from my call-center days 😉) “I’m going to call you back on a trusted line. Goodbye.”

... that is, in the UK. My knowledge of overseas phone systems is limited.

Not quite. The victim doesn't give the scammer a password. The victim types in their passcode to the bank's official app. That's a subtle but important difference.

Mmmmmm alright as a thought experiment I want to pitch at someone with experience, how about amending the messaging and options: How abouuuuut amending it to "This is CHASE, did you call us just now" 1) No, I did not 2) Yes, I rang 555-CHASE" 3) No, someone claiming to be from CHASE called me

I never respond to texts or emails. I always look up the number in my contacts. I’m sure at some point they’ll figure that out too, but not giving out my password to anyone. EVER. Mainly because I don’t know it my computer does and needs my fingerprint.

Putting a notification on a phone you’ve no contact with is tantamount to magic. instantiator.dev/post/sophish...

Wow, that's awful. And especially since it would be so easy for the bank to rephrase their alert as you suggest.

Wow. That is pretty clever.

For the Americans latching on to this thread - please note that it relates to Chase *UK*. I don't know if your banks or apps work the same way. This scam was doing the rounds last year, but similar threats exist today. Stay safe out there. (Replies disabled because some people are utter spanners.)

First rule of thumb when dealing with anyone claiming to be from the bank, government, etc: YOU have to make the call to THEM first. Banks will NOT call you first! The government will NOT call you first. YOU have to call them, it's standard & anyone who falls for this is asking to be taken.

Gotta hand it to the buggers, they're clever. They should work in politics. Or Wall Street.

I use this new in the last 20 years feature called visual voicemail to determine why someone called me and then if I need to call them back I call them back on their actual published number.

Okay

Works for me in all directions. Advantage of not caring about either.

My plan is to ignore it until business hours. Of call the credit card number myself. That’s usually where the problems coming from.

There is a 159 service: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times: www.moneysavingexpert.com/news/2025/04....

This is solid advice.

Scammers are on the rise and getting more creative each time. Typically when any banks call me I hang up and call the bank directly to confirm its them contacting me.