Message received
From +1 (888) 555-0177
Ma'am, this is Daniel from Bank of America fraud department. We detected a $2,300 suspicious transaction. To cancel it now, I need you to confirm the last 4 digits of your card via SMS.
88
High concern
out of 100
Real banks never ask for this. Don't call back. Don't click any link they sent. If you want to check your account, call the number on the back of your card yourself.
Signals detected
Bank impersonation
Caller claims to represent Bank of America fraud department.
Urgency pressure
Demands immediate action to "cancel" a suspicious transaction.
Credential request
Asks for card digits — real banks never request this by phone.
Evidence
bankofamerica.com/security
Bank of America NEVER asks for card credentials by phone. Official security policy.
scamadviser.com
This number has been reported 23 times as a fake bank caller.