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Maybe we should all reply with bogus account numbers and passwords.
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I used to do that. However now they use tracking numbers to know which email addresses are valid.
In the old days the link would go to
www.example.com/bankofamerica.html
Now they go to
www.example.com/bankofamerica?23a289fde32
When you click the 2nd link and the page loads it looks up 23a289fde32 in the database and verifies the e-mail address associated with that ID. Each e-mail uses a different series of numbers for tracking purposes so they can track who is clicking the links and send them even more spam.
They can also use uniquely named invisible .gifs in the e-mails so once you view the graphics in the e-mail they know you're a valid e-mail address.