Is it too much to expect my Bank to take my personal security as seriously as I do.
Madamfluff
Posts: 3,310 Forum Member
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Just had a call on a withheld number. I don't usually answer them but today I did.
Person asked for Madamfluff when I confirmed yes its me they asked if it was alright to talk when I asked who is was they said it was my bank.
They then started to ask security questions I was like
why do they think I am stupid enough to answer my bank security questions to someone on a withheld number I had no way of knowing I was actually talking to my Bank.
The person on the other end was very surprised when I refused and seemed very put out when I told her to ring me back on a checkable number or write to me.
With so many scams going around do banks actually expect people to give out personal details unless they have proof they are actually talking to the bank.
They make me go through hoops to prove my identity to them but get a bit
when asked to do the same
Person asked for Madamfluff when I confirmed yes its me they asked if it was alright to talk when I asked who is was they said it was my bank.
They then started to ask security questions I was like
why do they think I am stupid enough to answer my bank security questions to someone on a withheld number I had no way of knowing I was actually talking to my Bank.The person on the other end was very surprised when I refused and seemed very put out when I told her to ring me back on a checkable number or write to me.
With so many scams going around do banks actually expect people to give out personal details unless they have proof they are actually talking to the bank.
They make me go through hoops to prove my identity to them but get a bit
when asked to do the same 0
Comments
How did you check out a withheld number?
I rang my bank & asked them if it was them calling me and they confirmed it was one of their call centres.
I can see no reason for them to contact me seeing as I use another bank for day to day stuff and there is not much in this account.
They did say what bank they were (its one I use) a clever fraudster could know other details like address and DOB and but they don't know my 4 digit security no and they don't know the answer to two security questions that are asked which are Mothers maiden name and last school they always ask one of these questions and ask for two of the numbers
So a fraudster could ring up twice the first time they could ask whats the 1st and 4th number and whats your mothers maiden name, then they could ring again an ask thats the 2cnd and 3rd number and the name of your last school.
Then they have my number code my mothers maiden name and my last school.
Then they can ring my bank and have the answers to all the security questions.
I dont do internet banking and this bank has no branches on the IOW so if I use this bank all transactions are done over the phone (but I ring them)
Good idea may try that if they ring again
After all, the main thing is that we have informed the customer that we need to speak to them to confirm some recent card transactions and inform them that their card will remain temporarily blocked until they make contact (we also issue a letter confirming this).
With so much fraud about nowadays, for all the bank know somebody else may have the phone you have registered with them and as such it their responsibility to make sure they are speaking to the cardholder about such matter. F**k them, right?!!
My bank has done this but has never used a withheld number, with so much fraud nowadays for all the customer knows it may not be their bank phoning and as such it is their responsibility to make sure they are speaking to the bank about such matters - see works both ways.
Oh BTW you do know about the latest scam
The card fraud telephone scam is a new variation on an old style scam that involves people being telephoned by fraudsters and duped into handing over their debit or credit card, and revealing their PIN.
How does the scam happen?
A fraudster rings you, claiming to be from your bank, saying their systems have spotted a fraudulent payment on your card or that your card is due to expire and needs replacing.
You may be asked to ring back using the phone number on the back of your card - which further convinces you the call is genuine. However, the criminal keeps the line open at their end so, when you make the call, you are unknowingly connected straight back to the fraudster.
Then, by seeming to offer assistance, the fraudster tries to gain your trust. In most cases you are asked to ‘cancel’ your existing card or ‘activate’ or ‘authorise’ a replacement card by keying your PIN into your phone’s handset.
The fraudster then poses as a bank representative to pick up your card from your home, sometimes giving you a replacement card, which is a fake. In some cases a genuine courier company is hired to pick up the card, which the victim has been asked to place into an envelope.
Once they have your card and PIN the fraudster uses them to spend your money.
A variation of the scam involves the fraudster ringing a prospective victim and claiming to be from the police – again with the aim of going to the victim’s home to collect the card and PIN.
So if any body rings me about fraud they can block my card but I wont be ringing up the number on the back of my card - at least not on the phone number I was rung on
I think the truth is they don't really care about security at all as long as it's the customer bearing any losses.
I have never had anyone question it when I call them, which always surprises me.
A lot of bank numbers are freely available on their websites so an easy matter to program up your phone system to send one of those when calling.
Well usually when the card is blocked and the customer can't use it they phone the bank to find out why and it's usually the easiest way.
But I can't fathom why some customers say to me "I'm not speaking to you, give me your number and I'll call back!" Erm, doesn't that defeat the purpose. Usually just ask them to get it from their card, out website, or phone book.
But as stated in my first post, we only ask non account related questions so it's never been that much of an issue for us. However, and I've worked for a few of the high street banks over the years, I've never known them to ask full security on such calls and wouldn't answer those questions myself should I be contacted.
Anyone phones you I don't care who they are, I simply refuse to answer any questions and suggest they write to me instead. Trust no-one.
Never understood why they use mothers maiden name for security, just log onto ancestry.co.uk it tells you, assuming you have a few other basic details. Facebook's also useful people show who their relatives are makes getting details really easy. Best one are the dopes who show their DOB.
The reason I asked was because you were being criticial of your bank for not taking your personal security seriously, but it may very well have not been your bank ringing you.
However when I worked in a call center I would encourage the customer to call in if they felt uneasy in any way and if the call was unexpected.
Its amazing how many who, concerend with their security, agreed to call in instead would then ask me for the number to call on.
Hang on. How on Earth does that work? If I end a call received from a fraudster and then make a fresh call using the legitimate bank number, I won't be connected to the previous caller, regardless of whether they've 'left the line open at their end' (was this the 1950s?
The rest of it's equally implausible. How does the fraudster know you live close enough to make it worthwhile travelling to your house, impersonating a bank employee and collecting your existing card? Who would be daft enough to swallow this story in the first place? Banks don't ask you to return cards when they replace them for any reason - they tell you to destroy them. How does a fraudster manufacture a convincing fake card to give to you, anyway? They're not easy to forge. You didn't read about this scam on the internet, did you?:D
I've been called by the fraud section of my bank. I was immediately suspicious, especially as the guy had an Indian accent and said politely said that I was ending the conversation. I then rang my bank (first direct - lovely people) and found that it was indeed a legitimate call concerning a suspicious transaction.
Actually no. If the other person doesn't clear the line you cannot connect to anyone else. I know it worked that way until very recently and it is a vulnerability in the system. Dont know if its fixed but easy enough to test out with a friend.