Longtime Crypto-Gram readers know that I collect personal experiences of people being scammed. Here’s an almost : Then he added, “Here at Chase, we’ll never ask for your personal information or passwords.” On the contrary, he gave me more information—two “cancellation codes” and a long case number with four letters and 10 digits. That’s when he offered to transfer me to his supervisor. That simple phrase, familiar from countless customer-service calls, draped a cloak of corporate competence over this unfolding drama. His supervisor . I mean, would a scammer have a supervisor? The line went mute for a few seconds, and a second man greeted me with a voice of authority. “My name is Mike Wallace,” he said, and asked for my case number from the first guy. I dutifully read it back to him. “Yes, yes, I see,” the man said, as if looking at a screen. He explained the situation—new account, Zelle transfers, Texas—and suggested we reverse the attempted withdrawal. I’m not proud to report t...