CAT: Credit Cards · REPORTED September 13, 2026
Bank of Texas scam
A credit cards scam report, targeting a consumer in Katy, TX, USA - 77493.
Narrative evidence
What happened
I received a series of calls, one right after another. I don’t typically answer unknown callers but because it said Bank of Texas and they continued to call I finally answered. The first person was a woman who identified herself as Cheryl Smith and she gave an employee ID of SD1514. She told me that someone in Michigan was applying for several credit cards in my name. She then transferred me to Michael Washington who confirmed what Cheryl had reported and said his number was 720-460-9337, ext 8142. After a few minutes I finally realized this was very strange. It was very sophisticated and I hung up. I then called my two credit card companies. They both confirmed no suspicious activity. I had one locked and the other replaced.
Community warning
How to protect yourself from credit cards scams
- Never send money, gift cards or crypto to anyone you have not independently verified.
- Search the business name, website, email and phone number here before paying.
- Be wary of urgency, secrecy, upfront fees and “too good to be true” prices.
- If you have paid, contact your bank or card issuer immediately to dispute the charge.
- Report to Action Fraud (UK), the FTC (US) or your national authority, and add your occurrence above.
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