I received a call today from the āFederal Reserveā in regard to a credit card issued by US Bank in Nov-25 with a balance of $67xx that hasn't been paid for over 60 days. The scammer goes by the name āJoy Hernandezā with a thick Filipino accent, quite hard to understand. Shockingly, she was able to verify my full SSN, but gave an incorrect current mailing address. She used an address from 20+ years ago. She said the card was issued in NYC (Iām in California), therefore Iād need to file a report with NYPD in order to disassociate this card from my name. She was going to transfer the call to NYPD, and I had a ā2 hours windowā to file the report and fax it back or something would happen (again, thick accent, really hard to understand). She played it well, quite professional on the phone, without asking for any sensitive information. I can definitely see why some people would fall for this. What really caught me by surprise was her correct recital of my SSN. I guess after multiple data leaks this information is no longer a secret to criminals.