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One of these days shortly I’ll be showing up in the New York Times in a story about bank scams. Yes, I made some mistakes and landed at the local branch of my bank looking for help getting my account resecured. It was my son’s money that was taken and when he tweeted about it, a New York Times reporter, Stacy Cowley, who likes to write about Wells Fargo, contacted us and did an interview. Should show up in the financial section soon.

Turns out I’m on the cutting edge of scams relating to the latest banking feature, Zelle. It’s supposed to make it easy to move money out of your account, a bit like venmo or paypal, and I can tell you for sure, it was easy.

After failing to log into my bank account one day because I kept putting in the wrong password I got an email indicating the online access had been shut down due to too many false tries. If you want to reinstate your account click here and log in again, it said. I did that and thought nothing of it since I obviously was the one who had tried the multiple erroneous passwords. In my defense, I was trying to talk and enter my super-secure-confusing-and-difficult-to-remember password at the same time.

This alone was not enough to get me in trouble since there is a two step process to sending money through Zelle. The next day I got seven calls (!) from the same 800 number, all of which I ignored. It continued to the point, though, that we felt compelled to do a google search. That indicated it was my bank’s fraud detection unit so I answered. A wire transfer was supposedly in progress and we could intercept it by blah blah blah. I was texted, from the fraudster via my account and the Zelle function, a code number which I gave them. That was the second mistake. Then he siphoned off dollars as we spoke, but promised to reinstate my account with new credentials he’d fedex in 24 hours.

As soon as I hung up, a gentleman from the bank’s real fraud detection center called, but there was no way to recognize him as real. He was not as friendly, or as easy to talk to as the kindly fellow who had just bilked me, mostly because he wouldn’t even give me his name or the reason for his call, except to say he thought my account was under attack. Same as the first guy. He gave me some unlikely information that sounded suspect about how to be in touch with the fraud detection unit (call between 4:30am and 6:00pm Pacific Standard Time even though we live in the east and I was already on the phone with them right?, for instance), but he did urge me to go into the bank right away. It was unclear whether either of these calls was legit or not. Even the banker was confused once we explained it to her.

Three hours later and after speaking to a Wells Fargo representative at the fraud detection unit I could barely understand due to his accent, and who would not discuss certain elements with me because they had to do with my son’s account (which I have full access to), and after mistakes he made were corrected, we felt secure again. The bad guys sure were easier to deal with, though!

In the end, the bank returned our money in just days.

I want to be in the New York Times but I was thinking it would be for a book review or some other literary accomplishment some day. For now, I am going to bask in the glory of this tangential event and the happy ending Wells Fargo was able to secure.

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