You have seen those phake emails trying to get you to submit your login and password for a bank account that you have never heard of. Those are easy to weed out. Now that email received from "your" bank might not be the real thing.
There are people out there that just delete those mails. Think of these mails as evidence of a crime and report them. One place to do that is at CastleCops Phishing Incident Reporting & Termination (PIRT). They chase down evidence for Law Enforcement to use.
Paul Laudanski speaks about Phishing and what is done to stop it in the following video.
Hope that helped you to understand what goes on out there!
Safe Surfing!
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