Bank imposter scam

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Bank imposter scam


A scammer, having obtained your sign on information via a data breach or other means, impersonates a representative from your bank. The scammer calls or texts you claiming that suspicious activity has been detected on your account, saying he will send you an access code so you can text back or repeat over the phone to verify your identity.

The scammer will then sign on to online banking with your sign on information, which prompts the access code to be sent to your mobile device. If you provide him with the code, you may be giving him the keys to access to your account, enabling him to perform fraudulent transactions, such as sending money to the scammer. 

What you can do

  • Watch out for scammers who may be able to spoof a phone number so the caller ID reads “Wells Fargo”
  • Know that Wells Fargo will only send you a code when prompted by an action that you’ve initiated, such as signing on to online banking or sending money. Also, when you contact a Wells Fargo banker by phone, we may send you a code to verify your identity. Never share your access code with anyone.
  • Scammers often initiate small transfers to downplay the fact that the access code is for money movement. If you receive a code to authorize any amount of money (even $.01) to be transferred or another action you didn’t initiate, don’t enter the code in the Wells Fargo app or share it with anyone, even if they claim to be from your bank.
  • If you are uncomfortable with a request received via phone call or text that you didn’t initiate, don’t respond and hang up immediately. Then, contact the company using legitimate sources such as a phone number on the company’s website. If the caller claims to be from Wells Fargo, call 1-866-867-5568 to verify the authenticity of the request.