Banks calling customers

p00hsticks

Loughton_Monkey wrote: »

If you are ever suspicious, then all you have to do is quote one security question wrong. Only the fraudster would accept it. The genuine bank would not - but ask you again. Simple! [do the same if you are ever suspicious about online banking].

Or simply ask THEM to tell YOU the answer to one of your security questions....

p00hsticks

missile wrote: »

If it is a secure method would be to ask you to phone back.

This doesn't really work in pactise though - chances are that you are not going to know or have to hand the telephone number that they are calling from, and if you did it's likely to be to a big call centre with no guarantee that you'll get back to the original caller.

There is no security at all in saying you'll call them back and then letting them quote the phone number to ring to you.....

Plus you'll end up paying for the phone call !

Loughton_Monkey

p00hsticks wrote: »

Or simply ask THEM to tell YOU the answer to one of your security questions....

Not sure this would work with a 'secure' bank. My understanding is that this information remains unavailable to call centre staff. What happens, though, is that when they 'go into' your account the computer (only then) spurts out what question it wants answered. It could be 'Mother's maiden name', or it could be 'Town of birth' etc.

They do not sit there with your account open, and little notes saying Password=elephant99, Mother's Maiden Name=Antoinette, Dog's Name=Pooch etc.

jackieblack

Santander rang me last week, asked for me by name then said that 'for security' I'd need to confirm some personal details.
I told her that for my own security I wasn't going to give any personal details to a stranger ringing me in an unsolicited telephone call, whoever they claimed to be from!
She got a bit huffy and said that if I didn't confirm my details she wouldn't be able to continue the conversation - I suggested if it was anything important they could send me a letter!

Loughton_Monkey

jackieblack wrote: »

She got a bit huffy and said that if I didn't confirm my details she wouldn't be able to continue the conversation - I suggested if it was anything important they could send me a letter!

All very well, but if it was the fraud section, and someone has been hacking into your account, you might regret it.

zppp

Loughton_Monkey wrote: »

Not sure this would work with a 'secure' bank. My understanding is that this information remains unavailable to call centre staff. What happens, though, is that when they 'go into' your account the computer (only then) spurts out what question it wants answered. It could be 'Mother's maiden name', or it could be 'Town of birth' etc

Not in the bank I work for. I have access to any account without needing to go through ID with a customer.

katieclampet

claire07 wrote: »

Barclays call me and won't tell me what about until I answer some 'security questions'. They too get quite indignant when I say well you called me and you always say I shouldn't answer security questions on the phone!

This happened to me a couple of weeks ago! The woman I spoke to got quite annoyed when I wouldnt confirm various questions, but she did give me another number to phone. However I rang a number for customer services that I found on my statement. They were only trying to get me to have an upgrade or something.

katiex

calypso_rhapsody

This is just yet another example of banks' inability to look at things from a customer's point of view. It's happened to me lots and i always try to ask questions that will allow me to be sure that they are who they claim before answering any security - though it can be difficult! Otherwise i get a name and call customer services.

But it would not take much would it to have a system of reverse security would it? Some banks do on the internet - eg Nationwide always include your postcode in any email they send, a couple show a selected picture and memorable phrase that you selected before you input final security details. Surely they could do something similar on the phone?

Loughton_Monkey

zppp wrote: »

Not in the bank I work for. I have access to any account without needing to go through ID with a customer.

Great.

So download a few hundred of these on a memory stick, and sell it!

AnonymousForObviousReason

Loughton_Monkey wrote: »

Great.

So download a few hundred of these on a memory stick, and sell it!

No, you want to set up a dropbox web storage account and shift it through there. You don't want any physical form of the data on you if you can help it.

If that's not viable then attach a phone/ipod and use the storage on that (Ideally encrypted using something like TrueCrypt), anyone asks you're charging your device.

:A