I got an e-mail from HSBC in India today telling em to phone a US number because my debit card may have been used fraudulently. I did a Google search for the number and came up with what looked like an HSBC site with that number on it. So I called up and soon was speaking with someone in India. They asked for a lot of identifying detail but it wasn't what I was used to banks asking for. I started getting suspicious and started Googling them while talking to them and found some sites claiming that that number was a fraud. I stopped the conversation after they claimed that they had cancelled my debit card and refused to give them more information. I asked them whether they could prove they were from HSBC and they had no answer to that. All the guy could say was that he worked for the fraud department.
I then went to my regular HSBC site and phoned the regular customer service number. They told me that yes my card had been cancelled and it was a legit call. The woman there arranged to send me a new card.
Was I overly suspicious? The bank has a problem if people might think that legitimate workers for the bank are fraudsters.
My card was only defrauded for $6 in the original transaction. I was much more worried about the guys I was now talking to ripping me off for a lot more.