“He was knowledgeable, polite, and professional.”
The caller ID said Wells Fargo. The caller listed fraud charges, promised a new card in three business days and asked for nothing. Then he needed one texted code to “disconnect” the thief’s Apple Pay, and minutes later her card was confirmed in someone else’s wallet. Caller ID is trivial to spoof. If a professional can fall for this, blaming victims for not knowing better is lazy.