I'd like to think I know my way around scammers, but today a scammer got the farthest with me. I shut it down as I started to realize it was a potential scam.
I got a call this morning, and it was the same area code as my phone, and it didn't register as a potential spam message. They identified themselves as being from JPMorgan's Fraud dept. They let me know that two payments were being made from my Zelle account (part of Chase) and wanted to know if it was authorized. I said no (these were large amounts). She gave me a case ID and cancel codes for the two transactions.
She gave me her name and ID. She asked me a few questions: when I last used Zelle, had I been to the city of the potential recipient of the transaction, if anyone else has access to my account, etc. She then transferred me to the fraud investigator. He said that I could enter the case ID in the Add recipients section. I then started to suspect this was bogus.
They didn't ask for any identifying information, and the phone number on the caller ID did google to a Chase branch. That kept me on the hook for a little bit. I don't recall if they specifically asked me for my name at the beginning of the call, or if they asked me if I was wan02. But I said I didn't think this was legit. They encouraged me to call my bank. They verified that no one had been trying to send a Zelle payment from my account.
Another person called back from that apparently spoofed number and went through the same routine again. All they said was that they were calling to verify two large transactions made from my phone number. They didn't ask or say my name, so I asked them to verify my name. They hung up immediately.
This was the most sophisticated attempt I've encountered. They didn't ask for identifying information, and they called from a spoofed number.
Be careful everyone!