GRRRRRR Royal Bank of Scotland

dmb37

I have just been called from RBS......

" can I just confirm your details before I proceed" I said no but I said I know what it's about and asked him to put in on my file (with payplan etc). He then told me he couldn't do that unless I confirmed the details. I then asked to send out letter and then I will ring them.........he couldn't do that either. I asked him if this is not me where did he get my phone number from.

I know it's not his fault but do these people ever give up?????

Sorry for moaning.:mad:

millsee

I had a call from the "bank" about 3 months ago.

"Bank": Hi, this is Mr Jones from the ABC Bank. I'm just ringing in regard to your account. I'd like to run through some security questions with you. Can I take your date of birth and your mother's maiden name.

Me: Sorry. I don't give out personal information like that over the phone. For all I know, you could be a scammer.

"Bank": I'm not. I'm from the bank.

Me: So why do you need my personal information?

"Bank": So we can check you are who you say you are.

Me: I haven't said who I am. You've claimed to be my bank, but cannot provide evidence of that.

"Bank": I can tell you your date of birth is XX/XX. If you just tell me the year.....

Me: I'll do nothing of the sort. You could have got that information by looking through the window and seeing birthday cards on the mantlepiece. I think thi conversation is over, don't you?

"Bank": I think so *click*


Never heard from them since. Whether they were my real bank or not, I don't know. Anyone in the office could have got the information they had though.

Incidentally, remember that game a few years ago? What is your !!!!!! name? The first name is the name of your first pet, and the second name is your mother's maiden name? Everyone had a good laugh at that one, yeah?

Guess which 2 pieces of information a bank usually uses to verify your identity? :think:

manicdays

RBS will send you a letter.

Its actually illegal to give out personal bank information without verifying who we are talking to.

For instance I have had sons/fathers/mothers/daughters trying to gain information.

dmb37

Thanks

That made me laugh Millsee

Bossyboots

manicdays wrote:

RBS will send you a letter.

Its actually illegal to give out personal bank information without verifying who we are talking to.

For instance I have had sons/fathers/mothers/daughters trying to gain information.

Thats understandable but expecting customers to give personal information to someone just because they 'phone up and claim to be from a bank or whereever is madness.

System

millsee wrote:

I had a call from the "bank" about 3 months ago.

"Bank": Hi, this is Mr Jones from the ABC Bank. I'm just ringing in regard to your account. I'd like to run through some security questions with you. Can I take your date of birth and your mother's maiden name.

Me: Sorry. I don't give out personal information like that over the phone. For all I know, you could be a scammer.

"Bank": I'm not. I'm from the bank.

Me: So why do you need my personal information?

"Bank": So we can check you are who you say you are.

Me: I haven't said who I am. You've claimed to be my bank, but cannot provide evidence of that.

"Bank": I can tell you your date of birth is XX/XX. If you just tell me the year.....

Me: I'll do nothing of the sort. You could have got that information by looking through the window and seeing birthday cards on the mantlepiece. I think thi conversation is over, don't you?

"Bank": I think so *click*


Never heard from them since. Whether they were my real bank or not, I don't know. Anyone in the office could have got the information they had though.

Incidentally, remember that game a few years ago? What is your !!!!!! name? The first name is the name of your first pet, and the second name is your mother's maiden name? Everyone had a good laugh at that one, yeah?

Guess which 2 pieces of information a bank usually uses to verify your identity? :think:

Nothing to do with money saving, but I would just like to add that my pornstar name is 'xxxxxxxxxxx (omitted for obvious reasons was not reading the thread properly)'!

Molanole

millsee wrote:

Incidentally, remember that game a few years ago? What is your !!!!!! name? The first name is the name of your first pet, and the second name is your mother's maiden name? Everyone had a good laugh at that one, yeah?

Guess which 2 pieces of information a bank usually uses to verify your identity? :think:

Oh my god, you know that had never occured to me! I'm so stupid sometimes. I've done that quiz so mnay times (running off to delete myspace blog now).....

I had a similar conversation the other day with my bank. It was very similar to yours:

Good morning, please may I speak with Mrs Molanole"

"Yes, this is Miss Molanole"

"Good Morning, I am from XXXXXXXX bank, please may I confirm your details? Please can I have your date of birth"

"I'm sorry, I'm not willing to disclose my information until you can tell me what the call is regarding. Can you give me some more information?"

"No Mrs Molanole, I have to first verify your details before I can tell you why I am calling"

"Well, I am merely being concerned for my identity security. I'm sorry but I won't disclose my data unless you tell me why you are calling as you could be anyone"

"I have already told you where I am calling from"

"Well, in all fairness sir, you could be anybody pretending to be from there"

"Well we cannot tell you why we are calling until we have confirmed your identity..."

and so it went on for about five minutes until the call centre bod said "well, we are sending you a letter anyway" and slammed the phone down on me. Grrrrrrrrrrr :mad:

mara

In fairness to the banks/insurance companies, they have to ensure their staff abide by the FSA & DPA rules. Staff are told that they have to run through ID checks before they can talk to anyone, even if it is a customer they deal with on a regular basis. Whenever anyone says to me they want to check where I am calling from, I am always happy to give out my number so they can phone & check themselves. But when you do this, people complain that they have to pay the phone bill so you offer to phone back & then have to start the whole thing again...

Iwantmorecash

i gree with mara because i work 4 a bank and we have a set script we must use when ringing people up b4 we discus anything .
at first we cant even establish thet the person we ring has an account with us untill we have checked its them.....

also we can give out our number and let the cust ring back , or they can ask us q's that only the bank would know ....

and true it is fsa rules

Molanole

Doesn't mean that it's not really really annoying though. I'm sure there must be a better way of identifying youreselves as calling from the bank rather than just saying "I'm from the bank" and expecting us to accept it at face value. What about some kind of unique identifier so that we can check easily who is calling? :think: Difficult one I know, and the data protection act is a minefield but there must be a better way.

Bossyboots

Molanole wrote:

Doesn't mean that it's not really really annoying though. I'm sure there must be a better way of identifying youreselves as calling from the bank rather than just saying "I'm from the bank" and expecting us to accept it at face value. What about some kind of unique identifier so that we can check easily who is calling? :think: Difficult one I know, and the data protection act is a minefield but there must be a better way.

I agree. I would also like to point out that my daughter knows my date of birth, our pet's name, my mum's maiden name and our address! Just because that information is given by the person answering the security checks doesn't mean it is actually them. I can't recall ever being asked a question in my security checks for abbey that my daughter can't answer. Likewise my son could easily answer basic security questions as my husband and they sound even more alike than my daughter and I.

Its different for Tesco, they have a four digit code and you have to know randomnly two of those digits in order. I wouldn't give them to anyone who 'phoned me though, only when I phone them.