What is this scam? How do I determine if this is a scam?

Victims of bank scams receive a phone call that looks like a real phone number at which the person has an account. The person or recording provides claims you’re the victim of fraud and that they need to provide details, often including their account PIN, to set up a replacement card or freeze an account. Scammers then use that information to manufacture ATM or debit cards, and make withdrawals or purchases. Or they can use online banking to transfer money or issue checks. Some scams simply collect information and then sell it to third parties.