Have you ever gotten a call from a credit card company purporting to be from their security department asking to verify a charge? Asking to call a special number for the fraud/verification department? With the person who answers asking for personal identifying information such as mother’s maiden name?

I have multiple times. I ask the credit cards to authenticate. Do the credit card companies authenticate? No.

They tell customers never to give out such secret personal identifying information to strangers. Now a stranger calls and asks for it. Oops.

A credit card fraud department, should ask the card customers to call the main customer service number on the back of their cards and press a button for the fraud department.

Otherwise, the bank may find its fraud department outsourced. Without permission.