aminah, don't feel so bad about being paranoid, I called my old bank today to confirm that the freeze/hold is still on and I reacted so much differently than I used to act calling the bank, I was actually paranoid in giving out my info (name, rank and serial number) I have gotten to this point that I am leery of EVERYONE, I have been watching this other thread here today and the guest wouldn't register or give info on the pdls that they are dealing with, I actually got the feeling that this could be pdl spy. How ridiculous is that ?