- Suspicious
- Legit
- Scam
- Spam
- Uncertain
02 8629 4004 (0286294004): Community reports of callers impersonating Commonwealth Bank, requesting personal details for home loans. Mixed reports include some legitimate CBA calls.
CBA Impersonation Reports for 02 8629 4004
Community reports for 02 8629 4004 (also written as 0286294004) reveal a pattern of impersonation activity targeting home loan prospects. Four contributors have identified calls claiming to be from Commonwealth Bank, with callers requesting personal details under the guise of loan assistance. The number is allocated to Optus Networks in NSW and has generated significant community attention due to confusion between legitimate CBA outreach and fraudulent impersonation attempts.
What makes 0286294004 particularly deceptive is that some contributors have verified legitimate Commonwealth Bank contact from this number, while others have confirmed with CBA directly that the calls were fraudulent spoofs. This mixed pattern suggests either number spoofing or that the line may be legitimately used by CBA contractors for telemarketing, creating genuine ambiguity for recipients.
What Callers from 02 8629 4004 Claim
Contributors report callers from 02 8629 4004 identifying themselves as part of the "CBA Home Loan Team" and initiating conversations about home loan opportunities. In one report, a contributor who picked up heard background noise before a caller claimed to represent Commonwealth Bank's home loan division. When the contributor called back to verify, the caller insisted on collecting personal details before providing any other information.
Several reports indicate callers reference previous interactions contributors had with CBA's website. One contributor noted the caller mentioned they had visited CBA's mortgage calculator a week prior, suggesting callers may have access to website visitor data. However, another report describes a call about electricity bill reduction from an overseas-based operator despite the Sydney number display, indicating 0286294004 may route to various call centres.
The request for personal details before verification is a key red flag reported by multiple contributors. In one instance, a contributor deliberately called back and was met with requests for information before the caller would confirm their identity or purpose.
Report Patterns and Timing
Reports for 02 8629 4004 span from early 2023 through November 2025, with the most concentrated activity appearing in 2024 and 2025. Calls have occurred at various times including afternoon hours (2:52 PM, 6:33 PM, 8:07 PM) and early morning (3:59 AM, 4:04 AM), suggesting either multiple callers or round-the-clock dialling. One recent report from November 2025 describes immediate background noise upon answering, followed by a caller claiming CBA affiliation.
Contributors have reported both answered calls and missed calls from 0286294004. One contributor received multiple calls over months after using the CBA mortgage calculator, eventually blocking and reporting the number as spam. Another noted that their Commonwealth Bank app later prompted verification of a call claimed to be from CBA, indicating the bank itself flagged suspicious activity on this number.
What to Do If You Receive a Call from 02 8629 4004
If 02 8629 4004 calls you:
- Do not: Provide personal details, banking information, or passwords to the caller. Do not confirm your identity, date of birth, or financial situation based on the caller's claims.
- Do: Hang up immediately if the caller requests information before identifying themselves properly. End the call and contact Commonwealth Bank directly using the phone number on your bank card or official CBA website.
- Do: Use your Commonwealth Bank app to verify any call. CBA has built-in verification features that will prompt you if the bank initiates contact.
- Do: Block the number (02 8629 4004 / 0286294004) in your phone's contact list if you do not expect calls from CBA.
- Do: Be suspicious if the caller has knowledge of your website activity but cannot provide verification details before requesting information. Legitimate CBA representatives will verify your identity first.
How to Report 02 8629 4004
If you receive a fraudulent call from 02 8629 4004, report it through multiple channels:
- Scamwatch: Report the call to scamwatch.gov.au with details of what the caller claimed and requested.
- ACMA: File a complaint with the Australian Communications and Media Authority at acma.gov.au if you believe the number is being used for unlawful purposes.
- Commonwealth Bank: Contact CBA directly via the phone number on your bank card to report the impersonation attempt. This helps CBA track spoofing activity.
- Reverseau: Contribute your experience to this phone lookup page to help other Australians identify 02 8629 4004 and avoid similar scams.
Reporting is important because it creates the community intelligence that helps identify whether 0286294004 is consistently fraudulent or legitimately used with poor caller vetting.
Help others by sharing your experience with (02) 8629 4004!
WRITE A REVIEWRatings Distribution
What Our Users Reviewed
Picked up got background noise, hung up and blocked. called back with another phone and CBA Home Loan Team answered. never applied for a loan, they wanted my details first
Is actually from CBA, not a scam
Missed call that looked like my bank's number, checked and it's dodgy scam not CommBank
Felt like a genuine call but I don't bank with them. they thought I'd been on their site
Called about home loans
Lady called about home loan, mentioned I used their calculator a week ago, I verified through Commbank app that it was them, told her I'm not looking for a loan
Called today claiming to help lower my electricity bill, seemed like it was from overseas despite showing a Sydney number, confronted the lady and ended the call
Missed call, contacted Commbank who confirmed they didn't call, likely spoofed scam
Calls from number associated with CBA after I used their mortgage calculator months ago, blocked and reported as spam
Caller claimed to be from Commonwealth Bank, app later asked to verify call
Legitimate Commonwealth Bank representative, sent confirmation through CommBank app
Call at 2:52 PM, ID showed Blacktown NSW, don't know anyone there so assumed fraudulent and didn't answer
asked for sensitive banking information, legitimate banks never do this
Associated with scammers
received inquiry asking if I'd experienced identity fraud, approach was unclear and felt invasive
Called claiming to be CBA about home loans, verified it with the bank security department and it was legit
Fraudulent call from Commonwealth Bank asking for my bank account details under the pretense of an urgent issue
caller knew my name, asked about home loan, claimed tracked my banking app activity. Wanted me to verify identity over phone. Felt very suspicious
Caller claimed I applied for home loan and wanted details, never applied. When I called back they answered quick unlike actual Commonwealth Bank
missed call, no voicemail left
Called claiming to be Gaeton Nouyo about overdue CBA home loan, asked for payment, had my personal info, called back got voicemail, very dodgy
Help others by sharing your experience with (02) 8629 4004!
WRITE A REVIEWFrequently Asked Questions
Is 02 8629 4004 a real Commonwealth Bank number?
Community reports are mixed. Three contributors verified that calls from 02 8629 4004 (0286294004) were legitimate Commonwealth Bank contact, including one who confirmed the call through the CBA app. However, four contributors identified calls from this number as impersonation or spoofing attempts, and Commonwealth Bank itself confirmed to at least one contributor that they did not make a call from 0286294004. This suggests the number may be used legitimately by CBA or contractors, but is also frequently spoofed by scammers. Always verify independently using your bank app or the number on your bank card rather than trusting the caller ID for 02 8629 4004.
What should I do if 02 8629 4004 calls asking for personal details?
Do not provide any personal information. Legitimate Commonwealth Bank representatives will not ask for details before verifying your identity. If 0286294004 calls you, hang up and contact CBA directly using the number on your bank card or the official CBA website. One contributor reported that when they called back to verify, the caller insisted on collecting personal details first, which is a major red flag. Always initiate contact with your bank using official channels you control.
Why did CBA mention 02 8629 4004 in my app verification?
One contributor reported that their Commonwealth Bank app prompted them to verify a call allegedly from 02 8629 4004. This suggests the bank has flagged this number as potentially suspicious or has received multiple complaints about impersonation attempts using 0286294004. When CBA asks you to verify a call, it indicates they are aware of fraudulent activity on that number. Treat such prompts seriously and confirm the legitimacy through official CBA channels.
Does 02 8629 4004 call after you visit the CBA website?
Multiple contributors reported receiving calls from 0286294004 after using the Commonwealth Bank mortgage calculator. One contributor received calls for months after visiting the CBA site, eventually blocking the number. This suggests callers may have access to website visitor data or that CBA legitimately follows up with calculator users. However, when legitimate CBA representatives called, they identified themselves clearly and did not pressure for personal details. If 02 8629 4004 calls you, verify through your bank app before engaging.
Should I answer calls from 02 8629 4004?
One contributor picked up and heard only background noise before a caller claiming to be from CBA Home Loan Team attempted to collect personal details. Another contributor noted the call felt genuine but discovered they did not bank with CBA. If you do not have an active relationship with Commonwealth Bank or did not request a home loan, it is safer to let 0286294004 go to voicemail. If you do bank with CBA and are expecting a call, ask the caller to verify through your bank app or end the call and contact CBA directly.
How can I verify if a call from 02 8629 4004 is really from Commonwealth Bank?
Never trust the caller ID alone for verification of 0286294004. Instead, end the call and use the Commonwealth Bank app to initiate verification, or contact CBA directly using the phone number printed on your bank card. One contributor used the CBA app successfully to confirm legitimacy, while another contacted Commonwealth Bank directly and was told they did not make the call. This independent verification is the only reliable way to determine if 02 8629 4004 is genuine contact or impersonation.