So here is one of my pet peeves - you get a phone call on your mobile from a caller with no caller ID.
The call goes something like this:
Caller: "Hello, it is <somename> from <bank name> calling."
Me: "Uh, ok, what can I do for you?"
Caller: "Before I begin, I need to verify you are actually <your name>.
Can you please provide me with you full name, date of birth
and secret phone password"
This is where I have to reign in the rage and hold myself back from yelling verbosely at the person at the other end of the line: I am not in the practice of just giving out personal information to random people who call me on the phone!
So the call continues.
Caller: "But I need to verify your Identity…"
Me: "And who exactly are you?"
Caller: "My name is <somename> and I am calling from <bank name>."
Now this is where I really like to work the person on the other end of the line:
Me: "Ok, before I can give you any information, I need to verify your identity. Can you please
provide me with your Full Name, Date of Birth, Employee ID number and manager's name."
Caller: "Why do you need that?"
Me: "Well, I don't know you from a bar of soap, so I am going put you on hold, call the number on the back of my ATM card, and ask the operator to connect me to your manager. Once I confirm that there is someone with your name and date of birth and employee ID working for the bank who is indeed calling me right now, then I can be confident that I am giving my personal data to a bank representative in good faith."
Now after a few seconds of silence, you either get two responses. The most common one is:
Caller: "Please hold for my supervisor"
The most humorous one is:
Caller: "That is my private information, I'm not giving you that!"
The sheer stupidity of this situation is incredible and I truly believe until the ID thieves are caught using this process in BULK to harvest your personal details, they banks won't do anything to change stupid process.
I will say this (credit where credit is due):
Only one bank that I work with has ever answered this challenge correctly, and that was American Express:
Caller: "Sir, if you flip your credit card over and call the number on the card, press #<some option> and key in my extension ID <NNNNNN>, I will be waiting for your call.