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ACFE CFE-Investigation Exam - Topic 2 Question 98 Discussion

Assuming that a jurisdiction has prohibited pretexting with financial institutes, which of the following actions would constitute illegal pretexting?
A) Withdrawing another person's funds using a stolen bank account number and PIN
B) Digging through a person's trash to obtain their bank account information
C) Making purchases with a credit card account under a fictitious identity
D) Falsely claiming to be the spouse of an account holder to access bank records

ACFE CFE-Investigation Exam - Topic 2 Question 98 Discussion

Actual exam question for ACFE's CFE-Investigation exam
Question #: 98
Topic #: 2
[All CFE-Investigation Questions]

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

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Suggested Answer: A

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

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Becky
9 months ago
All of these actions are illegal, but D is the most straightforward case of pretexting.
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Yesenia
9 months ago
I thought using a fake identity was just a scam, not pretexting.
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Louvenia
10 months ago
Wait, is digging through trash really illegal?
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Cassie
10 months ago
A and C are also illegal, right?
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Roxane
10 months ago
Definitely option D, that's classic pretexting.
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Ula
10 months ago
I agree with option D being pretexting, but I wonder if option B could also be considered illegal since it involves obtaining information without consent.
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Shizue
11 months ago
I practiced a similar question last week, and I think option C is definitely illegal, but I'm not clear if it falls under pretexting specifically.
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Marquetta
11 months ago
I'm not entirely sure, but I feel like option A might also be illegal, though it seems more like theft than pretexting.
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Elinore
11 months ago
I remember we discussed pretexting in class, and I think option D sounds like it fits the definition since it involves deception to access information.
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Sabrina
11 months ago
I'm a little confused by the wording of the question. Does "prohibited pretexting with financial institutes" mean that any kind of pretexting is illegal, or just specific actions? I'll need to re-read the question carefully to make sure I understand the scope of the prohibition.
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Shaniqua
11 months ago
Okay, let's think this through. Pretexting is using false pretenses to obtain someone's personal information, so I'd say options A, C, and D would all be considered illegal pretexting. But I'm not 100% sure, so I'll double-check my reasoning.
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Aliza
11 months ago
Hmm, I'm a bit unsure about this one. I'll need to carefully review the details of the question and the answer options to make sure I understand what's considered illegal pretexting in this case.
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Ciara
11 months ago
This question seems straightforward. I think the key is to identify which actions would constitute illegal pretexting under the given jurisdiction's laws.
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Nan
11 months ago
This seems straightforward to me. Withdrawing funds using a stolen account, making purchases with a fictitious identity, and falsely claiming to be a spouse - those are all clear examples of illegal pretexting. I'm confident I can answer this one correctly.
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Edison
11 months ago
Gotta be "due diligence" - that's all about thoroughly investigating the incident to make the best decision, right?
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Lavera
1 year 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 year 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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Heidy
1 year ago
D) Falsely claiming to be the spouse of an account holder to access bank records
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Lilli
1 year ago
B) Digging through a person's trash to obtain their bank account information
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Caprice
1 year ago
A) Withdrawing another person's funds using a stolen bank account number and PIN
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Janine
1 year 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
1 year ago
Yeah, both Option A and Option D seem like clear violations of the prohibition on pretexting.
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Catina
1 year 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 year ago
I agree, Option A definitely sounds like illegal pretexting.
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Hassie
1 year 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
1 year ago
Yeah, pretending to be someone's spouse to access bank records is definitely crossing the line.
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Bette
1 year ago
I think withdrawing funds with a stolen bank account number and PIN is also illegal.
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Juliann
1 year ago
I agree, using a fake identity to make purchases is definitely illegal.
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Blossom
1 year 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
1 year ago
Falsely claiming to be someone's spouse to access bank records is definitely crossing the line.
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Corinne
1 year ago
Making purchases with a credit card under a fictitious identity seems like it would also be illegal.
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Lashawnda
1 year ago
I think withdrawing funds using a stolen bank account number and PIN is also illegal pretexting.
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Marica
1 year ago
I agree, digging through someone's trash is definitely sneaky and underhanded.
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Meghan
1 year 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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Jeanice
1 year 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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Janine
1 year ago
D) Falsely claiming to be the spouse of an account holder to access bank records
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Milly
1 year ago
C) Making purchases with a credit card account under a fictitious identity
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Dorothy
1 year ago
B) Digging through a person's trash to obtain their bank account information
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Marya
1 year ago
A) Withdrawing another person's funds using a stolen bank account number and PIN
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Daniel
1 year ago
But what about making purchases with a credit card under a fictitious identity? Isn't that also illegal pretexting?
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Oliva
1 year ago
I agree with Vernice. That action definitely crosses the line.
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Vernice
1 year ago
I think withdrawing funds using a stolen bank account number and PIN would be illegal pretexting.
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