Simonne Cumberbatch was getting ready for bed in her Toronto residence on Sept. 3 when she received a late-night phone call from what appeared to be her bank.

She looked down at her cell phone and saw the name “Scotiabank” appear on her caller ID.

“My bank number is coming up, and they’re asking for me by name,” Cumberbatch told CityNews.

“Then they start to talk about the fact that there has been a suspicious charge on my credit card.”

She had no reason to be doubtful that she was talking to a representative from her bank because, a few years back, she had received a similar call after taking an international trip.

“When I had returned from a trip to Mexico I got the exact same call. Someone had been trying to access my account and the bank quickly responded and closed the account,”

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