Only once very nearly got scammed, was back when I was in University had just changed my address to my University one and Paypal (or claimed to be Paypal) said they were attempting to verify my details, tried logging in from their link. Contacted Paypal but told me it wasn't them, so just changed the password and email address I was using at the time and password then cancelled everything just to be on the safe side but wasn't ever scammed. Never have been always am dubious, if the bank ever calls me about my bank account I ask to ring them back.
Once got some silly person saying had run out of broadband (on an unlimited account lol) from Openreach, but was saying I've got no contract with Openreach its with my ISP (which I didn't name lol), they just hung up and informed Action Fraud, can't stand them myself at all.
The problem is with least some of the telephone scammers they use spoofed phone numbers, to make say a banking scam or what/whichever to be
legit or from the organisation they claim to be calling from, which really isn't that difficult to do if you have the software to do so (like Bria the virtual phone software, similar to skype but you need a PXB Private Branch eXchange for it to work,allows for extension numbers and voice mail storing that kind of thing).
The thing is companies with legit reasons to do so, spoof them as well as any caller coming from a PBX extension will come up as an unknown caller ID, so they'll legit spoof their either number or in a hospitals NHS trust where I get treated when trying to ring that number an auto message tells to call the dept which rang you lol. So on that note I doubt very much there's much they can really do about it, annoyingly.
He called the bank who said there was no issue with his card, they didn't know why it hadn't worked earlier, they hadn't sent him a text (they never send texts) but to be safe they cancelled the card and issued a new one.
Could have been literally anything, my guess is the network might have been down somewhere down the network (they work on essentially and even the remote ones without cables, use a telephone line network, obviously is encrypted), or could be something wrong with accessing his account somewhere.
Was some documentary showing the flaws of chip and PIN when it first came out, how massively flawed it (why there's now something due to a hack which almost bankrupted the head company of TK Maxx (TJ Maxx) had a huge data breach, PCI compliance and DSS) is scary how easy it is to make an exact copy of someones card and even when using a random PIN number a card reader will accept it, the banks wont admit it or loads of people will end up doing that (though might have been now some kind of fix to stop that from happening as it was years ago.
Had my bank call me once and said I'd call them back (their response was great said that's a really good thing to do essentially) saying my card details had been copied somehow (still have no idea how that was), said they'd locked a payment and did I recognise a payment, said no which I hadn't they cancelled and sent a replacement card.
