Chalk this one up to stupid ass company moves. Last week, I had a fraud block on my Comenity card. I hadn’t called in and later in the day, I got a call from 866-668-5446. The guy sounded legit and asked me if I tried to use my card and where and how much. I told him the amount and he sort of agreed with it. Then he asked me if i tried more charges. I told him the other 3 amounts. He then proceeds to want to text me a code. Now let’s step aside and think how stupid this is. FIRST OF ALL, YOU DIALED my number to get to me. And second, with all the scams going around asking for codes from phone numbers, I wasn’t going to give this random dude the code. He understood me and told me to call the number on the back of the card and that he’d notate our conversation.
Three hours later, I called the back of the card and they said that because I had failed the phone verification, they’ll have to send me a letter in the mail to verify something. So fucking idiotic. The lesson learned here is that if Comenity fraud calls you, just verify their stupid text.
Citi does this too. Total hassle.
Do you really need to embellish your post with the explicatives? I know your are angry, but….
Yes I do. Feel free to stop reading if the explicatives offend you.
SMS 2FA is a joke not only what you mentioned, but nearly all of them contains language like we will never ask you for this over the phone, while it’s exactly their phone rep asking me for it. Every time I brought this up we both chuckled and just ignore it.
A couple times when I asked about this in branch and told them about all the crazy sim swapping like T-Mo in crypto world, it seems they have zero idea about what’s really going on.
Basically treated like a liability issue, instead of putting effort to fix a real problem.
Yeah, since you knew the card was being blocked, easier to justify going along with him.
They should only have texted you in the first place to ask you to verify charges were by you, and thus retry/proceed, or texted you to call the number and ask for their fraud dept.
Yea Comenity doesn’t even text to verify FA’s either. Backwards ass company