Couple says they were scammed out of thousands of dollars
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- Опубліковано 20 лют 2024
- A Vista couple said they were scammed, but the number the scammers called from? Chase Bank's phone number, the couple claims.
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The ONLY WAY to protect yourself from fraud is to NEVER, NEVER, NEVER, NEVER answer a phone call from your bank. NEVER!!!! If they call you don't pickup and immediately go to your local branch to find out the reason for the call.
Especially Chase. They've always said they will never call you for any reason.
To know Chase Bank inside and out with the website and process, I suspect the thief is a former or current IT tech from Chase. They knew that there would be delays in freezing the account if they had the hacking skills to cause it. What about tracking where the money went and reversing the charges? She obviously shouldn't have read the code back to the person on the phone.
At this point in time I absolutely never pick up the phone. If it's an important enough message they will leave a message for me, and if they don't leave a message it clearly wasn't important enough.
I am so surprised as to how many people do not understand this. Never never never give information out to anyone anything that contacts you first EVER!!!!!!!!
I don’t answer the phone period! If I wanna talk to somebody, I’ll make the call…
The US should pass a law that would hold all wire transfers for 24 hours before payment is cleared. All the gullible people in America need it.
😂😂😂😂😂😂😂😂
How come the back doesn’t have that rule? At least 3 days for large amount.
That would help the poor senior citizens who have no idea about these scumbag scammers
Spoofing is the bigger issue
The quicker a wire transfer the better. I’ll take care of myself and gullible morons can do the same.
You know it's a scam when someone on the other end of the phone immediately picks up.
Yeap normally you had to wait for the next available bank teller.
😅
never thought of that, thx...
That part 💯
I'm thinking it's a scam too because they don't call...but would rather disable your account for you to initiate a call with them.
Guys, your bank will NEVER call you for you to give out personal information.
these are new kinds of scams, give it time and people will be more alert
1:00 They answered "This is Chase Bank" 😂 When have you ever called a credit card company and had a live person answer, and not a robot menu 🤦♀️
That’s a good point.
It was the Chase bank of Mumbai..
This is an underrated comment
Chase has called me before about someone trying to cash a stolen check. It was just a teller, and she was telling the truth. Here's a tip...quit letting people from other countries you don't know constantly in your home to do cheap labor. They resent you, and times are very hard right now. I bet you something was stolen and it happened like that.
AI
If it was Chase's money they absolutely be able to get it back.
Was just going to post the same thing. They could get it back in minutes if they wanted. They just don't care.
Absolutely!
I have it on good word that they have a one hundred percent recovery rate on their money , but not yours...
@@Grayaldwrong. Wire is one way
@@Grayald no, Chase was recently scammed of $175 million and they didn't get it back.
That’s people that work in the bank they all have access to almost everything
Yup. Thats what I'm thinking.
I’m thinking the same. They hire anybody nowadays. I walk in there and these people looking at all my information coming from who knows where
That’s probably why they called them….they knew they had the money
That's exactly my thought. It's within Chase employees doing that. They have access to everything.
1:11 - When Chase says in the text “We’ll NEVER call you to ask for this code” and “Only use this code online” - THEY MEAN IT! Please pay attention folks.
Remember this: DO NOT share anything about your bank account to anybody, over the phone!
All someone has to do is steal your phone and do a sim swap to drain your account.
No, you're wrong. Do not share access codes to anyone ever. It has nothing to do with being "over the phone". Would you ever share your pin number with ANYONE, EVER??? ok, an access code is the samething. Regardless of whether you think it's a scammer or the bank, it does not matter. You never share that code to anyone and if someone asks for it then they are obviously a scammer because banks don't ask for pin numbers or access codes... Duh!!
Who is wrong?@@westonhemperley5289
Duhh
@@dfpolitowski2A SIM swap is when cybercriminals trick a cellular service provider into switching a victim's service to a SIM card that they control - essentially hijacking the victim's phone number. The main aim of SIM swapping is usually to exploit two-factor authentication to gain fraudulent access to bank accounts.Aug 27, 2023
Don't provide bank information to people who call you claiming to be from the bank, hang up the phone and call the number on the back of your card or log into your account online to verify whether or not there's a fraudulent transaction. If you're unable to do that just go into the local branch. As a rule I never answer my phone unless it's someone I know, if it's legit they'll leave a message. That way I avoid phone scams. Also I never have a lot of money in my checking account, only enough to cover my monthly expenses. And I have nothing in my savings account as the bank doesn't pay interest$.
@@christopherwanamaker828 I do have a savings account as well as checking but I don't have any money there as the bank doesn't pay any interest. I have the bulk of my money in a brokerage account earning almost 5%.
Duhh
@@christopherwanamaker828 Savings accounts don't pay much interest (if any, mine doesn't) unless you have an account with an online bank. I keep the bulk of my money in a brokerage account which pays a 4.7 % interest.
Super Hero
@V.E.R.O.
Wire transfers can be made from savings accounts and some money market accounts as well.
I worked in the wire room for many many years at a bank.
First of all the wire can be recalled as we would just call the receiving bank and ask for a recall.
Also assuming the receiving bank has done their due diligence the wire has to be to an established account, otherwise there would be a Yellow Hammer or Lexus Nexis alert if a wire that large was received by a new account. Treasury and loss prevention would have placed a hold and then spoken to deposits about why they are receiving a wire immediately to a new account.
Something isn’t right here
Yeah, something is missing. I’ve been in banking for years. Started off in retail (branch) for several banks. Currently I’m a risk manager. I examine operational issues and losses to see if there are controls/processes failures and perform root cause analysis to prevent or mitigate things from happening again. What I don’t understand is how did the wire, especially that amount, get sent without a second person approving or verifying (via speaking with the client/callback to the client). I’m thinking perhaps they have an online feature where they can initiate wire without having to go into a branch or call it in, but even then, to me Chase still has a control failure. That amount should always prompt another level of verification.
These comments right here make me wonder if there are "insiders" collecting pay offs to pass transactions thru on these wire transfers. Makes you wonder who the master scammer is. Thank you for posting your comments!! Never knew this information on wiring money!!
@charliehustle9779 yep avoid chase bank cause they don't give a eff
They probably just don't want to pay back the money that was stolen.
These comments mean well but are lacking context. For example, yes you need multiple approvers for large wires but if the threshold may be higher if the client initiates a wire through the secure chase system. So if a client calls and asks for a 40k wire, maybe there are more stringent approvals. But if they log into their chase, verify themselves then maybe the threshold is higher.
Also, yes wires can be recalled. You’re assuming the fraudster is waiting for the wire to hit so they can withdraw. Only that is wired is available for use immediately.
What makes a fraudster good is the ability to open an account using someone else’s info, then trick someone else to give them access to their account.
This should have been stopped as soon as she called the customer service number. Having to drive to different branches is ridiculous. I am closing my account with Chase.
You should have closed your account with Chase years ago. Maybe after they publicly supported BLM in 2020? Or after you realized that they only pay 0.01% interest on your savings account? They’re criminals.
This is extremely disturbing and Chase needs to do more to prevent fraud.
That fact that she had to go to multiple branches show their inadequate training when it comes to matters like this.
Nobody's going to say it? What accent did the caller have? We shouldn't be ashamed of that question.
This lady was doomed when she answered that call. Banks will never call you!
Exactly 💯
Yes they doo
Not necessarily true, I've had chase call me after I made a purchase online that was possibly a fake website, but Chase never asked for my personal information or anything to gain access to my account cuz that's not normal protocol from them, they will never do that, They have everything they need already on their computers, Some people don't realize that your bank will never ask you for your personal information over the phone only scammers will do that
@@JoeyIce-qy6mu No they don't In all my 12 years with an account they've never reached out to me.
Of course banks call you. How else would they contact you if there's Frau going on. Send you a letter?
As someone who went through identity theft and scamming this summer, the scammers are way faster and more sophisticated than everyone else and not even the police will help you. I’ve never been so paranoid in my life.
And even though I do get calls from scammers, the ones who were successful, I have no idea how they got my info cause I never give it out. I still to this day do not know. And it sucks so much.
Thats why i never answer phone calls unless its someone from my contacts
Data brokers. Any time you sign up for social media or the like. They grab all that data and can legally sell it. If you sign up with companies like Incogni or Aura. They can scrub your data and you’re protected from then on.
@@raisedbyhousewives did U ever sign up to a web site OR ordered an item on the Internet? Find the news stories about millions of records stolen during a DATA BREACH. Your email and phone is now for sale from the thief. A couple of "have I been pawned?" sites will let you know for free.
@@raisedbyhousewives They get it from insiders or the dark web.
I just don't answer my phone except from people I know, or if I'm expecting a call. This is a habit from years of being pursued by collections, but it also works for scammers which I would also put collection companies in the same category.
😂facts collection agencies trained us well. 👍
Chase needs to investigate their own. Only an insider would know just how difficult it would be to stop/reverse a wire transfer. Only an insider could have the Chase protocols duplicated. This is either an inside job or an insider is helping the crooks.
Wrong. This is an increasingly common scam.
Diversity and inclusion American call centers full of that and rotation of welfare baddies that can only work part of the year and quit 🤷🏼♀️
@@patty109109 ... oh I didn't realize how easy it is to place a call from a chase verified phone number. So why is it you know how common this is while I'm hearing it for the first time?
Or an ex employee.
I think the actual bank is the scammer. They knew that customer had a large amount of money, they can see all our balances. Who would ever accuse the bank directly...perfect?! Wires and invisible movement in the world of banking. We see this all the time mark my words when you watching tv and you see..breaking news Chase banks files bankruptcy after its CEO's is caught stealing millions from customers. CEO goes to prison or whatever and millions of people are out of hundreds if not millions and the world keeps turning.
The phone companies have the ability to prevent spoofing through verified numbers. The fact that they don't do this should make them liable.
I keep getting similar calls. They leave no information on my voice mail but I never call them back. It's so sad.
If it is a legitimate call from your actual bank, they’re not going to leave a voicemail unless your voicemail greeting identifies you by name.
Does it? I bet not.
@sean2015 No it just says call us back at this number. I don’t call back. I blocked the number.
@@corennakhieu5483 ok but pay attention to the first part of my sentence ( _"if it's a LEGITIMATE call from your actual bank..."_ )
I would not bank at Chase. When I see these stories about bank accounts being drained it is at Chase almost every time. Why?
I don't understand , why would your bank allow a wire transfer of that amount without some security measures.
This bank has major holes in their system. I can talk more but don’t want to. Avoid accounts in this bank for your own good. Please.
What about using the Amazon Prime credit card that is set up with Chase? All my shopping only with Amazon Prime is their Chase credit card. Thanks for your advice.
Great work *Charge backtools* so glad you are out there fighting these lowlifes scammers. We need to do all we can to spare the elderly and general public from these despicable scammers!!
Kudos to You!! You deserve the Noble prize for keeping us safe. Big up brother.
Notice that with all these scams you never see the one where the bank is left holding the bag.
There used to be better protection of electronic transactions when they first started.
The reason the scammer knew her card number and last transactions is probably because they had already hacked her account. They just needed the access code so they could authorize the money transfer. There are websites that can tell you whether a password you create is strong or just weak.
Exactly why they tell you to never ever provide anyone that access code.
Right
I still don't understand how that works unless a bank employee is in on it. But granted these people are computer experts.
This happened to me but I told them, I’m not giving them any personal information and I’ll call the bank back. But yes, they listed off real transactions that I had. Scary
It’s the bank themselves
Financial institutions need to be held responsible. There should be legislation that holds financial institutions responsible for their security, and having their customers fall victim to this.
There was an ATM scam a while back that was caused by poor programming and Chase let it go on for months. Many people lost money.
I get calls like crazy, but I never pick up for shit, Even a lot of text. I deleted all of it. I trust no one. I will even be receiving mails, and emails. Don't answer none of them. Go directly to the bank or call your local branch. God bless America. I hope you guys are able to recover what rightfully belongs to you guys. Y'all in my prayers.
Never share info to anyone over the phone. The access code was probably part of the two factor authentication and the scammer was trying to access the account, and when the person gave that code she essentially granted access to the scammer probably trying to login her account from somewhere else.
Watch out giving card at restaurants. Our waiter in NYC took our card to the back took numbers off. We get back to Texas and someone in California bought 5000,00 in boating equipment on our credit card. We got a call and we said hell no, we don’t have a boat. It was the waiters selling credit card numbers. Watch out everywhere.
Do you still have any details or information about the scammer??
Bravo, *Charge backtools* -I'm so glad you're out there fighting these scumbags. We must do everything in our power to protect the elderly and the general public from these despicable scammers. You're a true hero!! my brother
Why is spoofing allowed? Can’t the phone companies stop it?
If you ever receive a call from your bank (or Amazon or any vendor), don't answer the call, but then call them right back through official numbers.
Scammers and their tactics are evolving. Have to stay up to date so we don't fall victim
😱💸 Scams can happen to anyone! It's crucial to stay vigilant and informed to protect ourselves from such situations. Thanks for sharing this cautionary tale. 🚨🔒
It literally says in the text message from Chase "we will NEVER ask you for this code"
So why in the hell did she give that code away? I can't feel sorry for people who see that, and still give out the code.
I'm beginning to think that some how Chase is involved with this. There's no reason why a bank manager couldn't have froze this account. Mine did it automatically so I couldn't even access my account until I went to the bank to ask what was going on. Someone had tried a Walmart a few hundred miles away from me and the Walmart employee alerted someone and my account was immediately froze with out me even knowing. I love my bank and am thankful for the Walmart associate being vigilant.
I've also had my bank(in Barbados)freeze my card before if they even slightly think any transaction is fraudulent.sometimes I didn't even know until I went to use the card.it was an inconvenience,but i'm glad they did,because if it really was fraudulent,then no one would have been able to access my account.
What bank do you love
Yes! Yes! Yes! I agree.
The daughter called the number and is answered by the real bank. But that didn't prove the call they received was from the same number. Haven't they heard of spoofing?
Apparently not
You can always hang up and check your bank account as well as call them directly on the number you already know for fraud at your bank
Chase should and shall be held accountable
Chase either had a data leak or their own employees are leaking customer account info. These scammers have the customer bank account number along with the customer’s information.
I don't bank online. I don't shop online. Don't lock the front door just to leave the back door open.
Pretty sure every single time a company issues you an access code via text or anything it specifically says they will never ask for it, that is for secure digital interaction only. Why would she give away here access code?
Something is really wrong here, if scammers wire money out of ur account the bank should not trasnfer it immediately but a few days later If it can't be reveresed. Thats another issue, the banks receiveing the money should be heldd accountable since they are harboring scammers.
This is why there are lawyers, sue them for whatever happened after they went in the bank.
You need money to fight the big corporations and most lawyers wouldn’t touch it until you have a solid case
We do stupid things then blame the bank. Chase is not to blame because scammers had control of that account.
Ridiculous. Chase had 4 hrs to stop it when she went to the branch in person.
Exactly! In the verification message, it clearly states to never share the code with anyone via text or phone.
This is your bank 🏦. What's your ssn and pin? Need it for verification. 😳
Seems to me she should have been able to call Chase fraud department from home and do it fast that way@@Daria-bg3ds
Exactly. She gave them the access code. She practically gave them the keys to the castle. How is Chase to blame for someone calling and pretending to be them?
Should be more upset with your wife, SHE failed you
You're doing an outstanding job,
*Charge backtools* I'm thrilled that you're out there battling these scoundrels. It's absolutely crucial to protect the elderly and the general public from these deplorable scammers. You truly deserve all the praise and recognition for keeping us safe!!!! Kudos to you, my brother. Your efforts are deserving of the Nobel Peace Prize. Keep up the amazing work
I simply do not understand why banks are allowing such massive wire transfers out of client's accounts as mentioned in the video without any kind of failsafe to stop it.
For example, some banks will put a 24 hour hold on wire transfers before allowing them out because they do them in batch transfers. This also provides an opportunity to cancel a transfer before the time is up.
I own a business account with another bank and in order to do a wire transfer I have to call in and verbally provide special authentication codes before a transfer takes place. I also specified ahead of time that only certain accounts can receive my funds.
This happened to my brother as well but with Navy Federal. It also was a transfer between Navy Federal accounts, which makes me think that these scams might be from the inside.
How did they get the transactions? It was an employee.
Yup….a insider and they knew she had money
TIP FOR EVERYONE: One way to stay on top of your card activity is to set up alerts on EVERY, and I mean EVERY transaction that happens on all your cards. Any time ANY transaction is made, it will send a text message to your phone of said charges. This way, you will know if the calls you get are legit or not. Another tip is to never give out your one time pin code to ANYONE that calls you. No matter what app you're using.
The one time passcodes literally say to not share the code with anyone lol
The part that got my attention to this scam is the scammer had Transaction information from previous purchases that the victim validated as legit. How did the scammer get the previous transaction information on her account? If they already had access to the account they would not have had to talk to her at all, they could have just transferred money. They needed that PIN code to gain access to the account so where did the transaction info come from? Insider maybe?
What the scammer was trying to do was get a verification code to wired the money from her account to another person. If she was to wire those money to someone she already knew and wired to before then she doesn't need to use a verification code as those people could just verified it but if the wired is to someone new then that required a verification code and that code usually was sent to the account owner first. When the scammer access her account they were trying to wired her money to themselves, they already verified who they were, the last step they need to do was call her to get the confirmation code. They knew that if they call her normally it would not work but if they pretend to be Chase bank then she'll believe them. Eventually their plan work. Chase is known for not securely protect their customers so it's no surprise that she was scammed. The fact that the scammers were able to access her account easily also means she doesn't had 2-way authentication, 2-way authentication not only required her username and password but also a temporary one time access code that only she knew sent to her from the real Chase bank whether through text or email and that code will be valid for only a few minutes.
@@VOANshe did give them the code
Congratulations, *Chargebacktools* -I am relieved that you are out there fighting these thugs. We must take every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to YOU!! You deserve the Nobel Peace Prize for ensuring our security
Only call the main number to your bank. NEVER, NEVER, NEVER call any number back that calls you.
EXCEPT THAT: this happened to me only it was the home depot # that showed up on my phone. Yes i have home depot credit card services as a contact in my phone. when he asked for 3 digit code on back of my card i knew it was a scam and told him i will call u back. i called back (same #) and home depot said no one from their dept had called and saw no fraud on my account. i canceled card and had a new card with new account # sent to be safe.
Those scammers are within Chase Bank employees.
Authorities needs to look into why these things are happening mostly with Chase bank.
Exactly. It’s an inside job
Yes, I saw a video recently about how a woman had jewelry in her safety deposit box at Chase bank. They told her when she went in that her box had been closed out? or however you would put it. She ended up seeing them as unclaimed property on the tv. Finally she got them back because she had an old picture of her wearing one of the necklaces.
Chase lost lots of money in their credit card business. People open credit cards, collect points, and close them. 2 years later they repeat. Probably that's why Chase is rather passive in fighting fraud?
What I always do in this situation is hang up the call then call bank directly.
By now, everyone should have known to stop banking with Chase! This bank has full of thieves!
This can happen with any bank. Only call the number on the credit card or bank statement. Calling back a number given to you on a phone call is definitely a reason to assume fraud, and definitely fraud if not the number on the credit card./ bank statement.
@@irwinsaltzman979Yes, but I’ve heard about Chase Bank recently emptying out a woman’s safety deposit box for no reason. Seems to be a problem with Chase more than others.
I think the bigger question is how did the scammers initially have access to her transaction history? Did someone scan her card using NFC?
There are ways. They could be dumpster diving or stole her bank statement from her mailbox or used malware on her PC to obtain her credentials or a screen scrape of her online banking.
If you get electronic statements, it downloads onto your computer, and malware might be able to access it.
Also, if you just leave the bank's website after logging in, instead of logging out, it's possible for malware to pick up where you left off and see that last screen.
@@whatgoesaroundcomesaround920how do I know if my computer has malware
Outstanding job, *Charge backtools* I'm glad to see you actively combating these individuals who lack integrity. We must prioritize the protection of the elderly and the wider public from these scammers! Well done, my friend!!You deserve the Nobel Peace Prize for your commitment to keeping us safe
Chase has to be one of the worst banks I ever ever heard when it comes to dealing with scams
For those wondering, the massive problem here was that they just went off Google search results and not directly from the bank.
My heart goes out to those affected
Yes sometimes goggle will even say it’s a legit number.
Let them leave a message
This is insane. I work at a bank and if a member comes in like this, I'm amble to out holds on any amount on their account instantly, even as a teller. This is so sad
Exactly. The reason they couldn’t freeze the account was because it’s an inside job and someone at chase blocked the freeze action. Three different branches and none could freeze? I don’t think so. Inside job
The bank receiving fraudulent money should be held accountable.
It's obvious that the scammers have intimate knowledge of Chase operations, procedures and even access to the banks systems. Probably by a current or former employee.
I hope the FBI catch the scammers and the victims get their money back.
Excellent job, @Icloud__boss1 I'm delighted you're out there fighting these jerks. We must
do everything possible to protect the elderly and the general public from these vile con artists! You deserve it!! Big up, brother, you deserve the Nobel Peace Prize for keeping us safe.
First of all, who spends 2k at a Walmart???? That's already a red flag. Thanks I am here all week.
Quality! 😂
Auto Repair?
Well they sell electronics
even buying 3 gaming consoles wouldnt cost 2k. nobody buys tools at walmart lmao
Banks won't call you about fraud. Best thing to do is visit the branch IN PERSON and call them yourself.
Never answer any number you do not know period.
Thank you for sharing.
Excellent job, @Icloud__boss1 I'm delighted you're out there fighting these jerks. We must
do everything possible to protect the elderly and the general public from these vile con artists! You deserve it!! Big up, brother, you deserve the Nobel Peace Prize for keeping us safe.🎉
People that are 40 and over should really take phising classes at their local Community College because they are helpless.
Well maybe not 40, maybe like 55 and over lol
You need to call the number on your Chase Bank Card directly! So sorry this happen again and again.
No heat & no judgement, but we as the clients of bank companies have a part to play in this too!!
I think the thing to do would be to hang up once you get that information & call the bank via the number found on their official website & emails, mobile apps, or back of bank card & give them the information you were given.
Exactly.
Why do people have such large amounts in Chase bank in these high interest times? Unless they are rich and 40k$ is their monthly expense. There are savings accounts that pay 5% interest.
This couple has more money than common sense. I hope chase charges them a stupid tax.
As a single dad for two teenage girls, I've seen plenty of scammers. My thoughts and prayers go out to the victims.
I firmly believe that Banks are complicit in this situation and of course government isn’t doing nothing to defend us.
Honestly, I never pick up the phone anymore. I don’t even respond to texts.
Too scared
A huge bank couldn't help her save her money that's embarrassing
Why in the world wasn’t anyone able to help them out at the first or second bank? That’s insane.
This happened to us as well. A few months ago. Scammers where able to bypass security over the phone and when the scammers called to confirm transfer my husband hung up. And I called the number on card, got it stopped and had to insist on them opening a “ticket” to see how they where able to bypass security over the phone especially since we have a code on account. No response from chase. Trust me, you savings is not safe at any bank if they can do this to chase which is supposed to be the best
Chase is not the best. They are actually terrible. These are all inside jobs
Chase is absolutely NOT the best. It's right alongside Wells Fargo.
If it's that important, let them leave a message. Always call your bank or any other institution through their official number and double check with them. I get so many scam calls now that I'm surprised anyone still picks up their phone anymore.
People need to stay aware of debit card scams. I've seen this scam all over the internet and the news for 2 years. Always call the number on the back of YOUR CARD! 😢
Can't she freeze the account online?
When in doubt, call the number on your credit/debit card. People need to wake up!
For people saying that she shouldn’t have gave out her access code, this is standard protocol when dealing with chase over the phone. They even ask for the last 4 of your social. Maybe chase bank needs to find a better way to handle 2 factor authentication.
When YOU CALL THEM, they will ask for a code sent to you. NOT the other way around.
This is why I own a Google pixel phone. Automatically screens scammers and spam calls
Yup, that is why I no longer bank with Chase. My current bank had protected me when I fell into a similar situation, and the scam did not get any money. My bank doesn't have a branch to go to. They were on it, and I really appreciate my bank. This is scary.
This is an internal scam, most banks have outsourced customer reps, they have everyones info.
All banks tell you that their employees will never ask you for an access code.
Happen with my friend. Chase said nothing they can do. My friend lost life saving $37000. Funny thing that if you transfer $10k, it takes 3-5 business days to process however scammer able to transfer in less than 30 mins.
Call the bank directly from the number on the bank website.
I’m so sorry to hear that couple or anyone else gets scammed of a large sum of money.
Even in the one shown on screen, the texts say "Do NOT share this code. We'll NEVER call to ask for it." And yet people let themselves be "social engineered" to ignore what the message is telling them.
If only these scammers would use their skills and creativity for the good, instead of being leaches and harming people, the world would be a much better place.
Don't answer a call or a text message you don't know. If they really wanted to reach out they will leave a voice-mail.