Problem is I bet she was contacted. I bet she got a letter, and I’ll bet someone said it was a scam. Why? Seniors are prayed onby scammers so much its hard to tell legit activity over fake.
I agree that she might have thought it was a scam, but all someone had to do was call the bank to verify. It would have taken 2 minutes to avoid all of this trouble.
Or the letter is one those unmarked hard-to-open Envelopes Having Three Perforated Sides: (14 Steps Open-an-Envelope-Having-Three-Perforated-Sides) that contain your PIN number to card. Almost threw mine away as junk mail.