Hi, I work for Scotiabank in Cda. I worked at the Visa Centre for Scotiabank for 7 years, and now am currently working in a branch in Halifax Nova Scotia.
What Bush Baby has said is valid, do not give out your information to the person calling. Alot of fraudsters will pose as a fraud anyalisist, and will try to get information from you about your accounts.
At Scotiabank, we will contact people from time to time with regards to both their personal bank accounts as well as credit accounts, should their accounts get compromised.
I always reassure the customer, if they uncomfortable with the call, to use the number located on the back of the Scotiabank debit or credit card, and ask to speak with someone about their account. That way they KNOW they are speaking with Scotiabank. If it is a legit call, there will be a file opened regarding the compromised account.
I do know, as I worked in the Visa Centre for Scotiabank, that our fraud dept is working around the clock, and when fraud on a debit card or visa card is detected, they will block the card immediately, to protect both the bank and the customer for any losses. Unfortunately, that may leave some customers, without access until a new card can be sent to them. But it is for their protection that we do this. We offer 0 liability for Visa fraud. We also will send cards to customer, if they are out of country, via Fedex.
I hope this helps, and eases any concerns. As mentioned before, I would call the number on the back of your visa or debit card to talk to a Customer Service Representative who will be able to look at your accounts and determine if you are a victim of any fraud.
Lisa