This should have been one of the first things your parents told you about avoiding scams, but in case they were busy watching TV or something — here you go:

When a strange person calls you on the telephone claiming to represent a company you do business with and asks you to give them sensitive personal information, tell them that you’ll call them back on the regular customer service number that you usually use to contact them.

From CBC:

Ottawa police Sgt. Mike McCormick said fraudsters are now calling customers claiming to be from the fraud department of their credit card company.

“We know as a general public that there’s a lot of fraudulent activity on credit cards and debit cards, so when we start hearing … your financial institution calling you ask you for specific information and providing information that nobody else should know, it brings down our wariness,” said McCormick, who is with the organized fraud section.

He said investigators are seeing a steep increase in reports of a scam in which a caller names an unusual big-ticket item and asks if the customer has recently purchased it.

When the customer says no, the caller says the company involved has been cropping up in a lot of suspicious transactions.

The caller provides a reference number for the customer’s file and give the customer a 1-800 number to call.

He or she also asks the customer to confirm that they still have the card by providing the three-digit security code marked on the back.

Fraud investigators say no legitimate credit card company will ask you for that code.

McCormick said the fraudster typically already has your address and credit card number, usually from dumpster diving for receipts and bills.

Scammers are good at pretending to be your credit card company. Don’t fall for it.

Callers use fake fraud to gain credit card security codes [CBC]
(Photo:Reznicek111)

Want more consumer news? Visit our parent organization, Consumer Reports, for the latest on scams, recalls, and other consumer issues.