When it comes to financial opportunities with banks, mortgage lenders, payday loans, or applying for low cost cash advances there will be no one who will contact you about money opportunities unless you begin searching them out. How would a bank or an online cash advance lender get the idea you are in need of money without obtaining information from you first. Somewhere you had to have called, entered information online or requested information. If you get a call from someone trying asking for verification of your personal information, you need to be aware that it is most likely a scam artist trying to take advantage of you.
A cash advance online company would not call you to verify anything unless you filled out an application for a short-term loan.
Be aware that anyone looking for these items are not representing a legitimate company.
- correct address
- telephone numbers
- bank information
- password verification
- social security number check
The people on the other end of the phone may pretend to be calling from your bank or online lender, but you do not need to give out any information over the phone. Any legitimate company would never request such personal information over the phone.
How do you handle a phone call requesting information?
- Let them know that you are uncomfortable with giving that information over the phone. Ask for their name and tell them you will call the bank (or whatever company they said they were calling from). If it is a legitimate company, this would be no problem.
- Request a personal meeting so you can fully go over everything they are asking and the reasons why.
- Let them know you would not give out any banking or personal information over the phone unless it is someone you called.
- Simply hang up. Who says you need to be polite to a scam artist?
- A banker is returning your phone call or responding to an email you sent.
- You filled out an application online for a cash advance and a customer representative is following up on your application.
- A financial adviser is calling you to review money issues which has previously been discussed or requested. You know this person and have discussed financial matters before.
