How I lost control of our bank accounts to a phone scammer
Yesterday, instead of having a productive afternoon at home, I had the privilege of sitting at the bank for a couple of hours, resolving a problem completely of my own doing: I fell for a phone scammer. My wife and I had to close our accounts—which were in excess of 25 years old—and set up new ones. I then spent hours updating our various bill paying services, Quicken account access, etc.
Do yourself a favor, and don't be me. I never thought I'd be "that guy" either, as I keep current on scams, look for signs of fishiness on phone calls, etc. Still, they got me, and it was painful—not necessarily in terms of financial loss (we're out $500 for maybe 60 to 90 days while they investigate), but in terms of time: Time to fix what I did, and even more time spent beating myself up over my stupidity.
Here's the tl;dr version: Do not ever, as in never ever, give out a verification code over the phone. I know that now. I knew that earlier today. I've known that for years. And yet, I did it. What follows is a bit of the nitty-gritty on how I got scammed, what I learned (beyond the above), and some technological things that affected my behavior during the call. Hopefully the sharing of my stupidity will help others avoid the same fate…