(no subject)
Like most of you, I get lots of phishing e-mail . . . regarding institutions with whom I have accounts, and institutions with which I do not.
There is one flaw in the design of all of them.
They all masquerade as a courtesy notification by the institution that there is a problem with my account.
When was the last time any financial institution displayed any courtesy at all?
Should a real problem exist with my bank or a creditor, I only discover the problem when a transaction explodes in my face.
When that happens, calls to the institution are met with surly, indifferent or unhelpful responses. It is my fault that they made a mistake, and there will be a substantial service fee to get it corrected.
Therefore, until I receive a phishing e-mail that begins, "Hey stupid! Yes, you filled out the proper pre-printed deposit slip, and our teller credited the deposit to the wrong account. You will have to pay a penalty and service charge for us to correct your error." I shall know that it was not sent by any institution with which I actually do business.
There is one flaw in the design of all of them.
They all masquerade as a courtesy notification by the institution that there is a problem with my account.
When was the last time any financial institution displayed any courtesy at all?
Should a real problem exist with my bank or a creditor, I only discover the problem when a transaction explodes in my face.
When that happens, calls to the institution are met with surly, indifferent or unhelpful responses. It is my fault that they made a mistake, and there will be a substantial service fee to get it corrected.
Therefore, until I receive a phishing e-mail that begins, "Hey stupid! Yes, you filled out the proper pre-printed deposit slip, and our teller credited the deposit to the wrong account. You will have to pay a penalty and service charge for us to correct your error." I shall know that it was not sent by any institution with which I actually do business.