Taking Basic Precautions

I’m in the middle of a fairly complex transaction with a well-known financial institution, involving of several different areas of their organization. When I phone them up, using either the general customer service number printed on their statement or a direct line to an agent I’ve worked with subsequent to one of those calls, I feel comfortable with the security of the call. But sometimes it’s necessary for them to reach out to me. Those calls can be tricky.

Unexpected incoming calls carry an inherent risk. You just can’t tell who’s on the other end! (It’s where the word ‘phoney’ came from, by the way.)

My voice mail contained one such message a couple of days ago. When I returned the call and provided a ‘reference number’ from the message, the voice asked for my fax number. There were some documents requiring some additional information along with my signature. And soon my documents arrived.

Yesterday I pulled the PDF into an editor, added the required information and pasted in my signature. It was time to fax them back. Here’s where it got interesting.

Remember, the request was unexpected and came from an untrusted source. The fax-back number was unfamiliar, as was the originating office in a different part of the country. So I phoned up the main customer service number for verification.

The agent was very accommodating and understood why I was calling. But it took the better part of a half-hour before the office and fax number were pronounced to be legitimate. The wait on their toll-free number, made comfortable by my headset (which allowed me to continue with other work) was well-worth the assurance. I learned that calls like mine were rare indeed; my agent, with years of call center experience, had personally never handled a single instance.

It’s no wonder identity theft is so rampant.

Don’t be a victim. Take the time to verify unknown callers before complying with their requests. If you meet with resistance then perhaps you should consider taking your business elsewhere. It just might be an indication of the care they take in caring for the confidential information in their custody.

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