July 17, 2025 - It has come to our attention that an unwanted person is trying to spoof our phone number 406-755-4271 to obtain debit card information. Three Rivers Bank will not call you and ask you for your card number or CVV number. Please do not give out personal or card information without ample verification.  If you have any questions please reach out to us. Thank you!

Here are some possibilities on how this occurred.

Spoofing the Phone Number:

Scammers utilize VoIP services that allow them to manipulate the caller ID information displayed to the recipient. They can choose a number to display that is familiar to the victim, such as a local number, a business number, or even a number from their contact list.

Spoofing Services:

Some services offer tools that enable users to spoof phone numbers, making it appear as if the call is coming from a legitimate source.

Open-Source VoIP Tools:

Scammers can also use free, open-source VoIP tools to achieve the same outcome of number spoofing. 

Obtaining Customer Information:

Data Breaches:

Large-scale data breaches can expose sensitive customer information, including phone numbers, names, addresses, and financial details. 

Social Engineering:

Scammers may trick individuals into divulging information through social engineering tactics, such as posing as a trusted representative of a company. 

Data Brokers:

Data brokers collect and sell personal information to various parties, including scammers, who can then use this information for fraudulent purposes. 

How Scammers Combine Spoofing and Information:

Targeted Attacks:

By spoofing a legitimate business number and possessing some customer information, scammers can make their calls appear more convincing and trustworthy.