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Contributor
Posts: 79
Registered: ‎08-28-2009
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Is this a scam? "Bank of America" called last night....

I received a call from a customer service representative at BoA.  First she verified my name, then went into a sales spiel about protection insurance for being unemployed, and that if I enrolled I would get a free copy of my credit report.  I told her I don't have a BoA credit card.  She then said, "Is this (my name), with a phone number of XXX-XXX-XXXX?"  I said, yes.  So then she says, "The last four of your social is XXXX and your address is XXXX?"  I told her that both of those were wrong and she had the wrong me.

 

She then argued with me about it and said that I must have an account I don't remember.  I told her that was not likely, and that I have a very common name...my phone number is listed in the phone book, that someone had the wrong info.  She then tried to give me the customer service number, saying I needed to call them and give them my social and address to verify that I don't have an account.  I told her that I know for a fact I don't have an account, and that I've seen all my credit reports as of yesterday, none listed for BoA...no mistake.  She kept saying, "well if it were me, I'd take down the number and call.  I'd want to know if I had credit out there somewhere."  I thanked her for her concern and then hung up.

 

Is this some kind of a scam?  Or has BoA really lost their minds? 

My Scores:
10/09: EQ 653, TU 656; 8/09 FICO Lender: EQ 652, TU 646, EX 659 10/11: EQ 672, TU 679 EXP Lender 680


Chapter 7 BK Discharged Aug 29, 2007.
Frequent Contributor
Posts: 277
Registered: ‎10-21-2008
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Re: Is this a scam? "Bank of America" called last night....

[ Edited ]

It's easy to get your name and phone number, so a caller having those pieces of information doesn't 'prove' anything.  Ignore the call (and never say 'yes' to any question on a sales call.... that can be recorded and used to 'prove' you agreed to something...).  

 

If you're really worried about the existence of an account, it's easy to go to BOAs website and look up their 800 number (don't use the phone number given to you in the call).  You can get transfered to an account specialist, if you think there might be a wayward account in your name. However, any accounts would be on your credit report...

 

As an aside, I never answer my home phone if I don't recognize the number (gotta love caller id).  And if it's important, they can leave a message.

Message Edited by writemikep on 10-20-2009 09:27 AM
Frequent Contributor
Posts: 498
Registered: ‎01-29-2009
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Re: Is this a scam? "Bank of America" called last night....

Not sure about your call , But them Flipping idiots call me atleast 3 times a week to sell me that insurance or some other type of insurance.

 

If they had the wrong SSN and address. Its probally just wrong info on thier part. Either way i would disregard it and not bother , Since you dont see anything on your reports.


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Established Member
Posts: 35
Registered: ‎09-24-2009
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Re: Is this a scam? "Bank of America" called last night....

1) Banks do not make sales calls to non customers (they may send you mailers from time to time)

2) Why would she need to verify your identity if you were a customer?

3) She asked you to call a 800 number and give your social - HUGE red flag

 

Banks will NEVER call and ask for you to verify your personal and confidential information.

----------------------

"...muffins are just bald cupcakes." -- Jim Gaffigan

I can has good credit score?
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
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Re: Is this a scam? "Bank of America" called last night....

You don't have a BofA credit card. Someone called you and said you did.

 

You need to call 800-432-1000 and get to the bottom of this ASAP:

  • It could have been a mistake
  • It could have been a phishing call
  • It could have been a security breach
  • It could be identity theft

 

They are all bad. I don't think you can ignore this one. The number above is an official BofA telephone number.

Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
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Re: Is this a scam? "Bank of America" called last night....

The way I see it, contacting BoA to check into this can't do any harm.
Here we go again...
Contributor
Posts: 79
Registered: ‎08-28-2009
0

Re: Is this a scam? "Bank of America" called last night....

I called the number listed above.  After eight minutes of teleprompts asking me for my account number (LOL), I finally spoke with a representative.  She said that they would never call and ask that I call another number and provide my social, which we all know is a fact. 

 

She ran me through the system and said her system does not show me as a current or former customer...but asked if I'd like to apply!  I thanked her and nicely declined.

 

 

 

 

My Scores:
10/09: EQ 653, TU 656; 8/09 FICO Lender: EQ 652, TU 646, EX 659 10/11: EQ 672, TU 679 EXP Lender 680


Chapter 7 BK Discharged Aug 29, 2007.
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