I got a call from a scammer saying they were from my credit card company calling to lower my interest. I fell for it at first and gave them my last four digits to verify my account. I did NOT give them my address, date of birth or name. They were able to pull up what I owed on my card and when my last payment was made and how much my next bill is for. Then later in our conversation they proceeded to call me by the wrong name. I ended it there and he hung up with foul language. Should I be worried?
Legitimate credit representatives will ask you to verify information such as card #, date of birth, last four of social, or address, but calling you by the wrong name and use of foul language is concerning. Probably a good idea to reach out to the card company that he was supposedly calling on behalf of and see if they did in fact call you or if this was a scam. If it was a legitimate representative, you should report the abusive language. If he was not a legitimate representative, you may want to report potential fraud and request a new card as a precaution. It is also a good idea to regularly check your credit reports and keep a watchful eye on your accounts to ensure no fraudulent activity is occurring. You can pull free Experian, TransUnion, and Equifax reports from annualcreditreport.com.
This response is for informational purposes only, does not constitute legal advice, and does not establish an attorney-client relationship.
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