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Pretext calling is defined as a deceptive means of obtaining personal information. Pretext callers could possibly contact bank employees, posing as their customers, to access personal account information and status. Information obtained from pretext calling is usually sold to debt collection services, attorneys, and private investigators to use in court proceedings. Identity thieves also engage in pretext calling to obtain personal information to create fraudulent accounts and credit cards.
Pretexting is against the law. Pretexters use a variety of tactics to get your personal information. For example, a pretexter may call, claim he's from a survey firm, and ask you a few questions. When the pretexter has the information he wants, he uses it to call companies with whom you do business.