Hello, this is Sarah from the Crestwood Bank fraud prevention team. I'm calling about some unusual activity we've noticed on your debit card ending in 4823. For security, I'd like to verify your identity before we proceed.

Could you please confirm the last four digits of your Social Security number and your date of birth? I already have this information on file — I just need you to confirm it matches.

We flagged a $312 charge at an electronics store in Miami, Florida at 2:47 PM today. We also see a $89 charge at a gas station in Miami thirty minutes before that. Were either of those you?

That's what we suspected. I've placed a temporary hold on your card to prevent further charges. You'll receive a new card by mail within 3 to 5 business days. In the meantime, you can still use your account for online banking and transfers.

If you'd like to dispute the charges formally, you can log into your online banking portal or visit your nearest branch. We'll also mail you a written summary of the flagged transactions. Is there anything else I can help with today?