in this situation it doesn't matter, they get your name and ph number from the bank/bank's hired help, then use spoofing to make it look like the actual place is calling you and the number displayed IS the real number to that bank or their agent-like First Data
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as for unlisted numbers, etc
it is still possible to get calls. they just use whatever dialing program needed and target a certain switchboard or cell number group
for example- they get an area code, then a switch then the program begins dialing all assigned numbers starting at 0000
so they will hit, for example, 1-814-772-0000, 0001,0002,etc all the way to 9999
a group of computers running this can go through that many numbers in a day,easily
they get any answer, then the call switches to a live person. you can tell, because there is a slight delay before Raj or Amira pick up and start talking.
added to this, they use spoofing to make it look like someone in town is calling you with that local name (real person) and number
around here, one time they used the local grades school's name and number on the ID
kind of hard to defeat that unless you just don't answer ANY call and kind of hard to convince ppl not to answer when so many have kids or are the designated emergency contacts for the kids
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making it worse, in India and Philippines call center jobs are seen as a status symbol of a certain level of social prestige.
they are some very good paying jobs and offer great bonuses like working in modern facilities and AC and flush toilets (a huge bonus in iNDIA where a significant portion of the pop still must use open defecation/urination) child care and well appointed cafeteria
i am sure this overrides any morality issue they may have, even if they do find out they are scamming ppl
many of these centers run legit business as well. a caller may be doing scams in the morning and taking customer svc calls for Frigidaire in the afternoon.
All of that is very possible, and probably in some cases. But this can only happen on the account holder side of the transaction. Yes, scammers can use phishing software, they can robocall you, call your cell, mail you stuff. But they can't use any of that on the bank side of the transaction. They cannot get away with spoofing calls or using scripted scams. You said they froze your cards.