I've had (presumably the fraud department of) AmEx ring me and ask for personal verification details over the phone before they'll even speak to me about ANY details (even just if this is ringing about fraud etc, or how urgent the phone call is), on more than one occasion. Even though I was pretty confident it was a legitimate call (typically an email notification arrives from them about some odd activity at the same time, or it's whilst I'm making a payment), I decline because surely this is exactly the same as what scammers would do?

Mine has a few times, without the "call us back". So far it's been the fraud department when I made an unusual payment, and have also occasionally gotten "how are we doing?" courtesy calls.

I have confirmed the fraud department one was legitimate, but haven't bothered with the others.

Thanks for the correction!

My bank doesn't tell me that. It's this kind of incompetence and lack of responsibility on their part that's leading to scams and phishing being so unnecessarily successful.

I have a HELOC and every time I move, their fraud dept calls me. And to call them back is not on their main bank number. It was super sketchy but legit.