[US] Got a call from Citibank fraud, new credit card opened in my name, allegedly.

That was what was said to me. 646-XXX-XXXX, no caller ID. She said an application was made on August 1 for some credit card and they noticed discrepancy with the mailing address for the card and my address. They said they had a photo ID of me used while applying online. The email for the application also was not mine. I mentioned that Citi would never issue me a card because of a decades long ago bankruptcy. (this is true).

I was skeptical throughout this as I’m pretty savvy regarding scams, and they didn’t ask for any information such as SS# nor would they tell me what ID was used. It could be my passport which I had to use for some overseas travel ID, This is what kept me in the call. But that doesn’t have my SS number, and maybe it wasn’t mine used.

I took a lot of notes, and they forwarded the call from their fraud department to the NY FBI office. I live 3000 miles away. It was during this call, that I thought, something is up. She wanted me to show up at their office to complete the report, I said no way can I do that and she pushed that. Then said they would do it via recording. Here is where it got interesting and my full radar engaged.

Asked me what room I was in, said to lock it, was I alone, did I have some free time, what was the battery percentage on my phone, Then said to turn off the computer (I said I was in my home office), so that there was no interference. Then asked what phone I use and wanted me to download Teams. That’s when I hung up. She called back twice from 917-XXX-7210 with no caller ID. I have credit karma and no notifications on new cards was received. They both mentioned someone doing criminal activity in my name.

Scam? I’ll lock my credit just in case and not a bad idea anyhow, and call their fraud department tomorrow direct to confirm. If a scam, where were they going with this?