Bank Scam

The set up for this scam is elaborate. It is not one of your typical cold call scams.
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The most common types of scams will target you through fake emails, text messages, voice calls, letters or even someone who shows up at your front door unexpectedly. No matter which technique the scammer uses, you may be:

• Contacted unexpectedly by phone, email, text, direct message or pop-up with a request for personal information or money. Never click a link or download an attachment from someone you don't know. [Banks] will never text, email or call you asking for personal or account information.
• Pressured to act immediately with an alarming phone call, email or text that plays with your emotions. Scammers may pose as an employee from a familiar organization, [...] and say there's a problem that needs immediate attention. Do not act unless you have verified the person who has contacted you and the story or request is legitimate.
• Asked to pay in an unusual way, like gift cards, bitcoin, prepaid debit cards or digital currency, including Zelle® to resolve fraud. [Banks] will never ask you to transfer money to anyone, including yourself, and will never ask you to transfer money because we detected fraud on your account.
• Asked to provide personal or account information, such as an account verification code, bank account number or PIN. When in doubt, don't give it out. Banks [...] will never text, email or call you asking for an account authorization code.
• Offered a free product or 'get rich quick' opportunity that seems too good to be true? If something sounds too good to be true, it probably is. Never cash a check for someone you don't know.

If you authorize a transfer or send money to a scammer, there's often little [that can be done] to help get your money back.
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