Beware of Deceptive Scams: My Encounter with an Imposter Supposedly from my Bank

I hope my story serves as a cautionary tale to all who may encounter similar situations in the future.

Last week, I received a call from someone claiming to be from my bank, alerting me to two unauthorized charges on my debit card. Those two charges are apparently still pending. Logging to my account, I did not see any pending charges. The caller ID did reveal the number to be from my bank. The person calling did state the correct amount in my account.

As the call continued, my spider sense got me very uneasy. I double checked the number. It is indeed from my bank, but I know caller IDs can be faked. Then, the caller wanted me to send money to the number of the person using Zelle to reverse the charges. This part made no sense and is very suspicious. I told the person that I am ending the call and calling the bank directly.

The bank told me there were no unauthorized charges. What is disturbing is that the caller knew the exact amount in my bank account. I kept wondering if someone at my bank is working with these scammers.