@derickr yeah, my rule of thumb is that I don't believe it unless I'm the one initiating the contact. Even then, honestly, how many banks are actually proactive about fraud. In my experience the banks are all pretty much in reactive mode after a customer has contacted them about fraud they already know about. The best course of action is to say that you will call the bank back, and ask for the name of the representative you are talking to so you can reach out to that person directly.

@Edent