ACFE Exam CFE-Investigation Topic 2 Question 98 Discussion

Actual exam question for ACFE's CFE-Investigation exam

Question #: 98
Topic #: 2

Assuming that a jurisdiction has prohibited pretexting with financial institutes, which of the following actions would constitute illegal pretexting?

AWithdrawing another person's funds using a stolen bank account number and PIN

BDigging through a person's trash to obtain their bank account information

CMaking purchases with a credit card account under a fictitious identity

DFalsely claiming to be the spouse of an account holder to access bank records

Show Suggested Answer

Suggested Answer: A

by Kaitlyn at Sep 18, 2024, 07:35 PM

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Lavera

1 months ago

Ooh, this one's a real brain-teaser! My money's on Option B - rummaging through someone's trash to get their personal info? Sounds like a classic case of pretexting to me. 'Dumpster-diving' for data, if you will.

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Cecilia

1 months ago

Option D all the way! Gotta love those spouses who can't keep their hands off each other's bank accounts, am I right? Pretexting at its finest.

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Caprice

22 days ago

A) Withdrawing another person's funds using a stolen bank account number and PIN

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Janine

2 months ago

Hmm, this is a tough one. I'm leaning towards Option A, though. Withdrawing funds using a stolen account number and PIN seems like it would be a clear-cut case of pretexting, don't you think?

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Armando

8 days ago

Yeah, both Option A and Option D seem like clear violations of the prohibition on pretexting.

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Catina

9 days ago

I think Option D could also be considered illegal, pretending to be someone's spouse to access bank records is shady.

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Jennifer

1 months ago

I agree, Option A definitely sounds like illegal pretexting.

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Hassie

2 months ago

Ah, these pretexting questions are always tricky, but I'd say Option C is the way to go. Using a fictitious identity to make purchases is definitely a form of illegal pretexting.

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Vernell

28 days ago

Yeah, pretending to be someone's spouse to access bank records is definitely crossing the line.

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Bette

1 months ago

I think withdrawing funds with a stolen bank account number and PIN is also illegal.

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Juliann

1 months ago

I agree, using a fake identity to make purchases is definitely illegal.

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Blossom

2 months ago

I'm going with Option B. Digging through someone's trash to get their bank information is a sneaky and underhanded way to obtain personal data, which is what pretexting is all about.

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Ciara

12 days ago

Falsely claiming to be someone's spouse to access bank records is definitely crossing the line.

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Corinne

13 days ago

Making purchases with a credit card under a fictitious identity seems like it would also be illegal.

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Lashawnda

1 months ago

I think withdrawing funds using a stolen bank account number and PIN is also illegal pretexting.

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Marica

2 months ago

I agree, digging through someone's trash is definitely sneaky and underhanded.

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Meghan

2 months ago

Option D is clearly the correct answer. Pretexting is the practice of using false pretenses to obtain someone's personal information, and falsely claiming to be a spouse to access bank records is a textbook example of that.

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