My name is Sarah Brown and I would like to report fraud
Could you provide a detailed fraud report now, please?
There has been suspicious behavior on your account recently, with frequent money transfers of $10 over the past week
Can you tell me your account number, please?
I don't remember, or my pin. my DOB is 12/12/2001
What was your mother's maiden name?
Sanchez 
And what was the name of the pet you had as a child?
Nemo
Your report has been successfully submitted.
We will have a look at the matter ASAP and will contact you with details in due course.