Identity theft; Banks are not serious about it

surely your friend is not going to pay for incompetence of bank employer? And what bank is it, BTW?

B.

Like you say, the banks just don't seem to be interested in preventing fraud. I'm having an issue with Nationwide at the moment over a possible fraud attempt on my account.

Over the last couple of weeks I've noticed that my Nationwide credit card has been declined while carrying out transactions on the internet. From experience, I know that this can occasionally happen, but after it was rejected for the fifth time I got a bit concerned.

I rang Nationwide, who told me that my card account had been suspended and a new card issued. When I asked why this had been done they claimed that I had phoned them on July 9th to request it. I told them that I hadn't spoken to them on the phone for at least a year, and would have had no reason to ask for such a thing to happen. They were absolutely adamant that I had called them on that day, and totally dismissed my denial of it. I suggested that if they were quite sure about their facts then there was a strong possibility that some kind of fraud was being attempted. They were totally uninterested in even considering this possibility, claiming that nobody other than me could have passed their phonebanking security checks.

I'm traveling away from home at the moment, so won't be able to confirm whether the new card they claim to have sent out has actually arrived. So far it seems there hasn't been any unusual activity on my account, but I'm keeping a careful note of my discussions with them just in case.

Chris

"Chris Blunt" wrote

Then you should have suggested that: "...in that case it must have been an 'inside job' [in a way that the perpetrator wouldn't need to pass the "phonebanking security checks."], so I'll need to report it to your internal fraud dept..." !

It appears that my friend had absoulte confidence that the bank would handle it and all would be ok. The fraudster has since fleeced her and the bank seem powerless to stop him. My friend isnt quite as confident now. I beleive its the Nat West.

Remove antispam and add 670 after bra to email

Be a good Global citizen-CONSUME>CONFORM>OBEY

Circumcision- A crime and an abuse.

If i were you I'd write/fax them stating plainly that you did not call to ask for a new card and that you are therefore concerned about a fraud attempt. Is there a way that someone could intercept the new card in your absence?

So really your point is people should be more carefull what ID they carry with them ? and not be stupid enough to get pickpocketed ?

Its possible, but I'll be able to confirm whether it has in fact arrived in a couple of days time. If someone had been able to convince Nationwide that they were me I would have expected them to have asked them to change my address details as well so the replacement card went somewhere else. Fortunately, that seems not to have happened.

I suspect this has probably just been some c*ck-up within Nationwide that they won't admit to, and that it will all end happily. If it does turn out to be fraud, and unauthorised charges start appearing on my account then at least I can say I did my best to alert them to it.

Chris

Chris Blunt wrote in uk.finance about: Re: Identity theft; Banks are not serious about it

Something odd seems to have happened at Nationwide Credit Card Services at some point earlier this year.

Earlier this summer my Nationwide credit card, like yours, mysteriously started to be being declined (in shops) for transactions (although, oddly, there was one place where it continued to work - obviously a retailer not using online authorisation!). After a few such rejections I was convinced that this wasn't a transitory random fault and phoned Card Services to ask what was going on:

"Yeah, your card has expired. We've sent you a new one."

«Err, no it hasn't. It doesn't expire until [much later this year].»

"Yes it has. It expired at the end of last month, and we've sent you a new one."

«Umm, I can assure you that the expiry date printed on my card says [much later this year].»

"[Much puzzlement]. Our records show it expired at the end of last month.."

So, they sent out a new card, with a new number, and cancelled the just-issued one (which, as I'd just moved, turns out had been sent to my old address as it escaped before their records were updated).

But it's all very odd. I've no idea what caused them to decide to change the expiry date of an existing card on a whim..

"A friend of a friend", "pocket dipped", "window clerk", these don't fill me with a great deal of confidence that this story is true, or even that it relates to a UK bank.

Rgds

__ Richard Buttrey Grappenhall, Cheshire, UK __________________________

Is it the change to C&P? I know their debit cards were changed at a date not related to the expiry date - but I don't recall the old ones being cancelled before the new ones were delivered in use.