bank troubles

bad day in bankland: today I was notified that my online account access has been suspended for Wells Fargo. and Regions Bank. (but they kindly offered to let me unlock my online access by inputting my ATM card number and PIN.) and UnionPlanters Bank. and M&I Marshall & Ilsley Bank. (where the hell is that? looks like the UK.) and "Bank of the West" wrote on behalf of WaMu (how nice of them!).

and to top it all off, I can't use ebay anymore because i've used false or misleading contact information. (ebay was so worked up about it that they notified me twice.) dang.

who falls for this shit? apparently enough people to make it worth the time of the scammers, since these seem to be increasing every day.