Criminals are attempting to defraud members of the public by impersonating the customer’s bank and according to a convicted fraudster the methods used by them are evolving.
Police in the UK have been made aware that fraudsters are now using background music, similar to that used by the bank, when the customer is put on hold. The fraudsters use this music as an attempt to convince the customer that the call is genuinely from the bank.
The banks say they would never call and ask for your account details or PIN numbers. My advice is never speak to anyone who calls you about your account, even if there is background music or other similar factors. If you have any concerns go to a branch or hang up and call the bank direct.”
If you receive an unsolicited email or phone call from what appears to be your bank or building society asking for your security details, never reveal your password, login details or account numbers. Most banks will not approach their customers in this manner.
If you are concerned about the source of a call, hang up and call your bank back on the legitimate phone number printed on your bank statements or other official bank documents/sources.
Check your statements carefully and immediately report anything suspicious to the financial institution concerned.
Although this originates from the UK, many people receive cold callers from people pretending to be from Microsoft or a bank. Please follow the advice.