- Legit
- Uncertain
- Scam
- Suspicious
- Spam
Community reports for 03 8565 7173 (0385657173) show mixed reports: some legitimate ANZ calls, but others describe impersonation tactics and unsolicited home loan offers.
ANZ Bank Impersonation Reports for 03 8565 7173
Nine contributors have reported activity from 03 8565 7173 (also written as 0385657173), with a notably mixed pattern. While two reports confirm legitimate ANZ Bank contact, multiple contributors describe suspicious impersonation tactics where callers claimed to represent ANZ without clear verification. Two separate reports specifically mention impersonation attempts, including one where a contributor received an SMS claiming to be from ANZ about an unsolicited home loan application, followed shortly after by a call from 0385657173.
The number is allocated to Optus Networks and operates as a local service in Victoria. The split between legitimate and suspicious activity suggests either genuine ANZ outreach mixed with fraudulent callers using similar numbers, or ANZ's own systems being compromised to send misleading SMS messages that trigger follow-up scam calls.
What Callers from 03 8565 7173 Claim
Reports reveal several distinct caller patterns from 03 8565 7173. Some contributors report receiving what appear to be genuine ANZ credit card account checks, where callers verified existing payment activity. However, suspicious reports describe callers who:
- Claimed to be from "Your bank ANZ" without proper identification details
- Mentioned unsolicited home loan applications the contributor had never initiated
- Said they would call back in a few days without explaining the purpose
- Requested personal information in response to account inquiries
One contributor received an SMS purporting to be from ANZ about a home loan, followed immediately by a call from 0385657173, which is a common scam tactic where fraudsters use SMS to prime targets before the follow-up call. Another contributor experienced repeated silent calls from 03 8565 7173 where the line cut off abruptly, despite the contributor answering multiple times.
Report Patterns and Timing
The nine reports span from January 2024 to October 2025, with no obvious clustering in a specific timeframe. Reports came via both answered calls and missed calls. One contributor who called ANZ earlier that morning received what they believed was a legitimate callback from 03 8565 7173, while others who had no prior ANZ contact reported receiving unsolicited calls. The silent call report from January 2024 describes repeated calls despite no interaction, suggesting potential robocalling activity mixed into the call pattern from this number.
Three contributors explicitly noted uncertainty about legitimacy - one flagged the call because they had recently made a card payment and questioned why ANZ would follow up, another questioned the call after being over their credit limit by $20, and a third stated they had no dealings with ANZ whatsoever yet received a call claiming ANZ affiliation.
What to Do If You Receive a Call from 03 8565 7173
Given the mixed legitimate and suspicious reports about 03 8565 7173, treat calls cautiously:
- Do not: Provide personal information, account details, or confirm identity details over the phone based on the caller's claims alone
- Do not: Accept the caller's statement that they are ANZ without independent verification
- Do: Hang up and call ANZ directly on the number on your bank card or ANZ's official website to verify the call was genuine
- Do: If the caller mentions an application you did not make (like a home loan), hang up immediately - this is a major scam indicator
- Do: Block the number if it calls repeatedly with no interaction or abruptly cuts off
If the call is about an account issue you are aware of (like a payment overdue or limit breach), you can verify by calling ANZ directly rather than engaging with the incoming call from 0385657173.
What to Do If You Receive an SMS from 03 8565 7173
If you receive an SMS claiming to be from ANZ about financial products or account actions you did not initiate:
- Do not: Click any links in the SMS
- Do not: Reply to the SMS or confirm any details
- Do: Call ANZ directly using the number on your bank card to confirm the SMS is legitimate
- Do: Report the SMS to ACMA as potential fraud by forwarding to 0429 999 888
- Do: Delete the SMS after reporting
How to Report 03 8565 7173
If you receive suspicious calls or SMS from 03 8565 7173 claiming to be ANZ:
- Report to ACMA: acma.gov.au or forward SMS to 0429 999 888
- Report to Scamwatch: scamwatch.gov.au - include specific details about what the caller claimed and any requests made
- Contact ANZ directly: Call the number on your bank card to report the call and confirm whether it was genuine ANZ outreach
- Report to Reverseau: Contribute your experience on Reverseau so other Australians can make informed decisions about calls from 0385657173
If you believe you were targeted by a scam involving ANZ impersonation, also consider reporting via cyber.gov.au if financial information was compromised.
Help others by sharing your experience with (03) 8565 7173!
WRITE A REVIEWRatings Distribution
What Our Users Reviewed
ANZ checking in about my credit card, just doing their job
unknown number called, looked it up and saw others reckon it's ANZ marketing
Text supposedly from ANZ Bank saying someone would call about a home loan I never asked for. got the call shortly after
Claimed to be 'Your bank ANZ', said they'd call back in few days. unsure about legitimacy since I just made payment
Missed call from this number, reckon it's legit as I'd called ANZ earlier that morning
Referring to other peoples comments... It maybe ANZ bank.. Because I'm over the limit on my credit card by 20 dollars... So they maybe calling to ask me if I have made a payment or want to discuss financial difficulty stuff... So it maybe be legit... I went and paid the $20 today 3 Apr2024... And maybe they may stop calling...
Suspect caller is scammer, no association or dealings with ANZ Bank
Answered but no one on line call ended abruptly, keeps calling despite no interactions
Caller said they were from ANZ, said they'd call back soon
Seemed to be from ANZ bank but the caller didn't clearly say which bank, just said 'the Bank'
ANZ called to discuss home loan application after I submitted online inquiry
Got a call, suspect it was ANZ following up on refinancing inquiry I made
Was ANZ calling back about my online enquiry
Follow up from ANZ about inquiry I'd made through their website
Caller vague about who they were, claimed to be from bank. Said ANZ when pressed but seemed disorganized
Believed to be from ANZ, automated sales pitch when answered
Call disconnected as soon as I answered, suspect it might be a charity call
Help others by sharing your experience with (03) 8565 7173!
WRITE A REVIEWFrequently Asked Questions
Is 03 8565 7173 actually ANZ Bank calling me?
It may be, but the reports are mixed. Two contributors confirmed legitimate ANZ calls from 0385657173, but two others reported impersonation tactics. The safest approach is to hang up and call ANZ directly on the number on your bank card to verify. Do not rely on the caller's claim that they are ANZ - legitimate banks always allow you to verify by calling their official number.
What should I do if 03 8565 7173 calls about a home loan I never applied for?
This is a major red flag. One contributor reported receiving an SMS claiming to be from ANZ about an unsolicited home loan, followed by a call from 0385657173. If this happens, hang up immediately and call ANZ directly on your bank card's number. Scammers often use SMS to prime you before calling. If you have no home loan application with ANZ, the call is almost certainly fraudulent.
Why does 03 8565 7173 keep calling but hanging up when I answer?
One contributor reported receiving repeated silent calls from 0385657173 where the line ended abruptly despite them answering. This pattern suggests either a robocall system or a scammer testing whether your number is active. Block the number and do not call it back. Callback scams sometimes use this tactic to get you to return the call, incurring charges or allowing the scammer to interact with you when you call.
Can I trust ANZ to call me from 0385657173?
ANZ may use this number, but so may scammers impersonating ANZ. Reports show the number (0385657173) is allocated to Optus Networks as a local service in Victoria. Legitimate banks prefer to use their main toll-free numbers. If 03 8565 7173 calls you claiming to be ANZ, always verify by calling ANZ's official number from your bank card before providing any information.
What does it mean if 03 8565 7173 asks for personal information?
One contributor reported that a caller claiming to be from ANZ requested personal information. Legitimate ANZ staff will already have your account details and verify you with information only you know - they will not ask you to confirm details they claim to have. If 0385657173 calls and asks you to confirm or provide personal details, hang up immediately and verify the call was genuine by calling ANZ directly.
Should I report 03 8565 7173 if the call seemed partly legitimate?
Yes. Even if the call seemed like it could be from ANZ, if you have any doubt about its legitimacy or if the caller made unsolicited claims about products you did not apply for, report it to ACMA at acma.gov.au and to Scamwatch at scamwatch.gov.au. This helps other Australians and provides ACMA with data about fraud patterns using 0385657173. Always verify by calling ANZ directly on your bank card's number.