Furious with bank

fatboyonadiet

I ordered some currency from a branch once and went back the next day to pick it up, different person from last time served me, all I said was I ordered some $ yesterday and want to pick them up, wasn't asked for a name, account number, amount of anything, just handed some $ (had paid the day before). I did speak to customer services a few days later trying to voice my concerns at the poor security but they didn't want to know.

Emmzi

If I were the bank I'd be furious with you, too.

Your card agreement states you will not disclose your PIN to anyone.

In my days as a bank teller I'd have confiscated the card, explained why, and then cut it up, cos you'd need a new card and PIN.

Misplaced rage here... read your card terms and conditions? You've both behaved in breach of contract with each other, I can't make a call on who I think is most bad

Robert_Sterling

I have heard your side of the case which includes an admission that you have revealed your pin number to another person and an admission that your girl friend used your card in an illegal withdrawal of money from a bank.

No further comment from me.

James

You've been totally negligent in the eyeys of the Card Industry with your card AND your PIN.

Without doubt the bank cashier should have withheld YOUR card and refused payement.

If you'd sent your G/F into a shop to use your card with your PIN and this had been spotted (it does happen). Then the cashier in the shop could have claimed £50 reward for retaining a card that wasn't being used by the rightful owner.

On the other hand, most retailers don't give a toss who uses a card authorised by a PIN, they are guaranteed their money. The card user is irrelevant.

Sorry you're on a loser.

Tiggs_2

wilt44 wrote:

Before she had chance to explain that the card wasny hers and what could she do the lady swiped the card and started processing the transaction.

So either the lady has the fastest processing skills in the UK, your GF has a huge stutter and couldnt get the words out ...........or you two are as bad as the bank!

Turning_into_scrooge

Will the bank not pick up on this though at a later date? I mean do they ever check signatures against the the original? If not surely this is left wide open to fraud? Amazing isn't it you have to practically jump through hoops on fire to open an account today but yet they will hand cash over to to someone signing a different name who the card doesn't belong to. It is no wonder that the UK has the highest card fraud.

Jummy

Well me and my partner both know each others pin numbers and draw money out of each others accounts all the time.
Have done so for years.
I would never go to the counter and draw money out but use ATM's all the time.

Murray

Jummy wrote:

Well me and my partner both know each others pin numbers and draw money out of each others accounts all the time.
Have done so for years.
I would never go to the counter and draw money out but use ATM's all the time.

Me too I'm afraid, I use ATMs with my partners card but I wouldnt go to the counter. I'd have withdrawn £250 on the 1st day and £50 the next. As for 'not having a chance to explain that it wasnt her card'....it just doesnt wash. I'd just be grateful that you got the money that you needed and hope nothing else comes of it.

RichyRich

Oh come on let's be honest! Have you honestly never given your card to someone else to draw money out of the cash machine?

To be truthful the OP's girlfriend was supremely stupid by pretty much admitting the same to the cashier, but IMO the cashier was worse by giving out the money. Maybe it was a stressful day - I don't know - but I very much doubt that the bank would initiate fraud proceedings or even ask you to close your account if you complain to them; they just handed over £300 of your money to someone who isn't you! You have them over a barrell.

Rich

Murray

RichyRich wrote:

To be truthful the OP's girlfriend was supremely stupid by pretty much admitting the same to the cashier, but IMO the cashier was worse by giving out the money. Rich

I think that the problem is that the OP's girlfriend didn’t admit to the cashier that it wasn’t her card.

I agree that the cashier should have checked the card and signature but I think that if the OP tried to complain/take it further then they would argue that the OP and his girlfriend were using the card fraudulently which is equally as bad.

Surely there should be some sort of watchdog for this kind of this - instead of mystery shoppers you could have mystery bank customers. That would certainly make the banks more careful but then if the bank had checked then the OP's card it would have been confiscated & destroyed. Which would he prefer?