topic Citi identity verification using CC#? in Credit Cards

Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 04:09:18 GMT

When I logged on using citi mobile app, It showed a message saying there was unusual activity on my account and to call immediately.
I pressed the call button and got connected. Rep needed to verify my identity using my phone #, but I've recently got a new # and he could not verify me. So he proceeded to ask for my CC# from other bank to verify my identity. Is this normal? He did not ask for exp# or 3 digit code.
(Side note: earlier I was booking a flight in Europe and my citi card did not go through or declined, so I used another CC from different bank and got my flight ticket)
After min or so, he was able to verify my identity and explained if I tried to process this purchase (through some small European airline) which I did, and said it was from out of country reason being why my CC did not go through, which is understandable. But I am so confused as why he needed my CC# from other bank. Is this possible to identify me with?
Looked up the # and it does show as citi, but some are saying its scam so it's kind of throwing me off.
Just want someone to confirm that this is one way to identify me from citi bank and not some scam.

Thank you in advance.

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 04:12:44 GMT

How in hell would they know your cc# from a different bank??

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 04:19:40 GMT

Sorry for lack of information I provided. They asked for my CC# from other bank and I provided the number. I asked why he needed it and said he was gonna call them to verify my identity.

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 04:21:09 GMT

@Anonymous wrote:
Sorry for lack of information I provided. They asked for my CC# from other bank and I provided the number. I asked why he needed it and said he was gonna call them to verify my identity.

I don't have a citi card but honestly that sounds weird. I've never heard of that. Why couldn't they send you something to verify by email?

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 04:26:12 GMT

I did ask him the same question and if he can verify my identity w security questions or last 4 digits of my SS#. He then said no.
At this point I'm really confused as after he was able to verify me, he did mention the name of Airline which I tried to use my CC w and the amount and that it was not processed. (Something about how vendor was from other country and such)

Re: Citi identity verification using CC#?

CreditInspired — Wed, 02 Oct 2019 05:49:55 GMT

I wouldnt be giving anybody any of my CC or any other financial information over the phone. What do you mean by, “I pressed the call button?” Do you mean on the website? Next time, just hang up and call related CCC from the number on the back of the card to verify. Matter-of-the-fact, instead of asking us here in the forum, you should call both Citi and the CC you provided info on to ensure these two accounts have not been compromised.

Keep us posted.

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 05:55:47 GMT

When you log in on mobile app, message comes up saying there is unusual activity on my account and gives me two options. Call or something along the line of call later. And i pressed call button.
Gonna call both places to ensure that this was all legit.

Re: Citi identity verification using CC#?

Jnbmom — Wed, 02 Oct 2019 07:30:22 GMT

@Anonymous wrote:
Sorry for lack of information I provided. They asked for my CC# from other bank and I provided the number. I asked why he needed it and said he was gonna call them to verify my identity.

Yes I agree with others you need to call Citi with at the number on the back of your card.

This sounds very very fishy, I have never heard of a creditor asking for another credit card number and then "going to call and verify"

Please call and see what is going on this has wrong written all over it.

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 08:49:19 GMT

Agreed with the above. You’ve been phished. If it were legitimately Citi, the rep could not call the other card issuer and get them to confirm your CC number. They’d tell him to pound sand and hang up. Call that other bank NOW and tell them what happened, and get a new card issued. If you have an app for that bank, and can do so, go in immediately and lock/deactivate the card. And definitely call Citi - if that WAS them, have the transcript of the call pulled and reviewed by a supervisor - no way in hell they have the right or would be asking something like that.

Re: Citi identity verification using CC#?

Remedios — Wed, 02 Oct 2019 13:13:43 GMT

Unless your phone is compromised, it's possible to ask for info on other cards.
Basically, if they think your Citi card is compromised, it makes no sense to ask for those digits, because thief would obviously have them.

So, next best thing is to ask for info on your other accounts. Ever looked at your CR? At least first six digits are visible, with rest redacted for security, but viewable otherwise. Exp date and CIN are not, so they cannot confirm or deny.
Had they asked you for those two, that's when you should worry.
If you think other lenders cannot see entire account number...yeah, they can.

Now, if it's going to make you feel better, call CSR number from back of your card, ask for fraud department and verify it was them. 99% it was.

Now, if you got an email with number you dont recognize, links to log in to shady accounts, anything asking you to enter existing password, I could see why you'd be concerned.
Call them because it will give you piece of mind, but you're fine if you called from the app.
Relax, a few deep breaths cannot hurt.

Re: Citi identity verification using CC#?

staticvoidmain — Wed, 02 Oct 2019 13:30:43 GMT

From a purely technical perspective, I think you re safe. This is based on the fact that the call button is within Citi's own secure mobile app. Although this is the first I have heard of it, It does sound plausible. I would still call them to verify this verification process.

UPDATE: Sounds normal for them. Thread from last year.

Re: Citi identity verification using CC#?

Remedios — Wed, 02 Oct 2019 13:30:17 GMT

When EQ was slapping fraud alerts on my CR for no reason, I had to do this during at last 2-3 apps.
Pretty much recited half my CR to ensure it was me.

Re: Citi identity verification using CC#?

Winesnoblv — Wed, 02 Oct 2019 16:09:41 GMT

I had a similar experience with my Wells Fargo Propel. Had a text message from a strange number regarding a fraudulent charge. Rather than replying to the message, I called the number on the back of my credit card. Thus, I would agree with others that you should call the number of the back of the card. Better to be safe than sorry,

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 18:22:06 GMT

UPDATE: Called the number on the back of my card and told the rep what had happened. Even the rep told me he never heard it before. I asked if he could connect me to fraud department, which he could not and gave me a number to their department (which was same # mobile app provided me with) Called that number and spoke w rep at fraud department if verifying my identity w other bank credit card was normal, she proceeded to say that, that is indeed one way to verify my identity. rest assured, It was not a scam.
Thanks everyone for their advice.

Another side story, (w same rep) asked her to leave a note or something on my account to not decline me for any transaction in Europe as I will be travelling there in few days. She put me on hold and came back and asked for my phone number so she can call back and verify it within 20 to 30 secs. it has been several minutes now and no call backs... what is going on?

Re: Citi identity verification using CC#?

CreditInspired — Wed, 02 Oct 2019 18:48:38 GMT

Just call back in about an hour.

Re: Citi identity verification using CC#?

Anonymous — Wed, 02 Oct 2019 18:48:52 GMT

did call back and used different phone # and did confirm w them. everything is solved.
Its funny how my new # does not get any SMS Alert or call backs from banks and other online account. Shall talk to carrier soon.

Re: Citi identity verification using CC#?

Anonymous — Thu, 03 Oct 2019 01:06:01 GMT

Speaking of scammers, I have fun with them. I would get calls from a caller with a foreign accent asking if I want to transfer a balance to a loan at 6.99%. I say, sure! They ask for my credit card number and I give them a number with the same 6 starting numbers. After a while, 5 to even 15 minutes on the phone, they realize it isn't going to happen. They'd ask me what type of card, and I tell them it's a DC card. The first 6 digits match the card type and so they think I'm legit. Eventually, they hang up on me.

I called back, and they answered. I told them, congratulations, you have won a trip for 4 to Steubenville, Ohio!!! Press 1 to accept the prize, 2 to decline. They hang up. Called back probably 8 more times immediately. Hang ups pretty quickly, until they blocked my number. I guess I won't hear from them anymore.