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FAQs

Why is card member services calling me? ›

You should know that, typically, financial institutions do not call customers and request their personal account information. If you get a call like this, hang up immediately. You should also call your bank or your credit card company to report this attempt to scam you.

One way to check if a number is potentially a scam is to use a reverse phone number lookup service. These websites and apps allow you to enter a number and see public information associated with it, such as the registered name, location, and carrier.

An imposter scammer may call, text, or email to convince you they are someone in authority. They may even use caller ID to make it look like they are calling from an official government or business' number. To commit identity theft, they try to get you to send money or a gift card or share personal information.

One of the fastest ways to spot theft is to regularly review debit and credit card statements. Pay attention to fraud alerts. If your bank or credit card alerts you of suspicious activity, look into claims by going to the website yourself or calling the official number.

The fraudster may tamper with an existing payment terminal or ATM. They typically do so by hacking into it or inserting a skimming device. In rare cases, the criminal may modify an ATM and place it in a public place. Thinking it's real, the victim uses it and exposes their card information.

Should You Call Back a Spam Number? Never. In many cases, these calls are “one-ring” scams designed to charge you sky-high fees or get you on the phone with a fraudster. Even if you aren't sure if the call was spam, it's best to leave it alone and block the number.

An online reverse phone lookup tool is a quick, easy, and legal way of doing it. With sites like Who Called Me? and Truecaller, you can just type in a phone number and you might get some details back about who owns it.

Government agencies will never call, email, text, or message you to ask for money or personal information.

How does the government contact you? ›

As a matter of course, the government does not call you, unsolicited. If you get a call from someone claiming to be from the IRS, they are a fraud. The IRS communicates via mail first. You may ask them to call you back and then they may call you.

If you get a call or message like this, hang up or ignore it. It's a scammer. Government agencies will never call, email, text, or message you on social media to ask for money or personal information. Only a scammer will do that.

Yes, the 855 area code is legitimate and safe. It is the prefix of the toll-free numbers used in the USA, Canada, and other North American islands. Although it is legal to use it for legal purposes, some people abuse it for illegal purposes such as scamming.

What Is an 855 Area Code? An 855 area code number is a type of toll-free number used in North America. Rather than being tied to a particular location, these numbers serve anywhere in the NANP (North American Numbering Plan), which includes the USA, Canada, Bermuda, and certain islands in the Caribbean.

Even with today's diverse range of communication devices, *67 still works on cell phones and landlines. No matter which device you use, whether an iPhone or Android, the code allows you to hide your phone numbers during calls.

Cardmember service team

Each call is answered using your financial institution's name to build trust and loyalty with your customers. Our team can assist with balance inquiries, available credit, payments, credit line increases, authorizations, account information and lost or stolen card requests.

Ironically, trying to “opt out” likely will lead to even more calls. If you are not on the National Do Not Call Registry, visit www.DoNotCall.gov or call 888-382-1222 to sign up. Telemarketers covered by the National Do Not Call Registry have up to 31 days from the date consumers register to stop calling.

A creditor believes you are past due on a debt. Creditors may use their own in-house debt collectors or may refer or sell your debt to an outside debt collector. A debt collector also may be calling you to locate someone you know, but the collector is not allowed to reveal that the consumer owes any debt.

This scam usually begins with an automated phone call. A message will state that the call is coming from a company with a name like "card services", card holder services or credit card services. You'll be told that you can lower your interest rate.