GRRRRRR Royal Bank of Scotland

millsee

Iwantmorecash wrote:

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 ....

But you can't give the answers to the questions without checking who it is....:wall:

Sorry, but if I want something I'll call the bank. Otherwise, stop disturbing my evening and asking me numpty questions.

Thriftylady

I work in a bank too, and I agree that its ridiculous when I have to ring someone and ask them to identify themselves! They have no idea if I am who I say I am, but in all the years I have worked there, not a single customer has questioned who I say I am, which amazes me.

And even giving a number to the customer to ring back would be no good because if I was a fraudster pretending to be from RBS or wherever, then I would answer my phone each time by saying "good morning, RBS" ....(or whatever company I was pretending to be from)

Tootsie_Roll

In this instance they're damned if they do and damned if they don't. I can just imagine the uproar if RBS had called dmb37 and said 'Hi, I'm calling form RBS about you going over your overdraft this month - how do you plan bringing it back in line !!'

I do agree though that the security number is the best option with the caller asking for certain digits - it would then be up to the person whose account it was to keep that information secure.

millsee

In this instance they're damned if they do and damned if they don't. I can just imagine the uproar if RBS had called dmb37 and said 'Hi, I'm calling form RBS about you going over your overdraft this month - how do you plan bringing it back in line !!'

You make it seem as though there is no middle ground.

Some form of security question that the caller has to answer would do the trick but with no mechanism for any ID checks at the moment, the system is highly suspect.

Thriftylady

I also used to have to ask customers to identify themselves by asking security questions which we didn't know the answers to.....we were only going through the motions to make the customers think that we had all their details on computer in front of us, when in reality we had none. Have also been in the position where we had the wrong details so would refuse to discuss something with a customer who was quite legitimately entitled to it. Our computer system was so poor that if something was keyed in wrongly,there was no way of amending it later. So, imagine the fun when temps were employed to input important data, and one of them didn't think dates of birth mattered, so they entered every single customers date of birth as 1st January 1900......this sort of thing happened regularly!

As someone said earlier, data protection is a minefield...and its very scary what goes on in big companies that an outsider would know nothing about.

mountainofdebt

my hubby had a conversation with our mortgage co. about (not) giving out personal info when they have rung you.....quite embarressing actually as he refused to give the information they were requesting just so that they could tell him why THEY were ringing.

A couple of days later there was a programme on the tv where they revealed that many fraudsters intercept credit cards etc and then ring up the person who's card it was and ask them these questions that legitimate companies ask.

so they get the info to commit greater identity fraud.

Now I refuse to speak to these people unless they can confirm my last payment amount.

wisemonkeyuk

I've had my bank ring me a couple of times and to be honest, I havent even thought twice when they ask for my details to identify myself. Saying that though, my bank do ask me for 2 random digits of my 6 digit security code. But, if ThriftyLady's comments are anything to go by and banks still use the same system, it could be anybody calling - or people calling them pretending to be me!

It's the same with other companies too. I've had phone calls from my mobile contract provider and they ask me to identify myself by giving my name, address & password. I just hope i remember all this for when somebody calls me next caliming to be my bank, mobile or loan provider!