LOL Nationwide

TheTruthMachine

I reported fraud that had happend on my Nationwide debit card (Someone used my Visa debit)

Nationwide approved the transaction with incorrect CVV2 and incorrect expiry (I have this in writing) they initially refunded the transaction then reversed it stating that their fraud team did an investigation and saying it is my fault. (Which is quite surprising when they admit its their fault)

I went on to complain to Nationwides "Executive office" about the fraud investigation and the advisor. The "Executive office" did a thorough investigation in a day sending me the "proof" I did the transaction and guess what. there was no proof. Upon asking for it I was told "You can't see proof what do you think this is, Court?"

A day later the same fraud advisor writes to me saying she isn't happy with the conduct of my account and is closing it. I sent off my FOS form out of spite. I really don't care if I win for the sake of £3.90 they can have the £500 FOS charge. I hope Grahame Beale chokes on his scallops.

Not really after advise on the £3.90 reclaim :P I am glad to be out of a playact of a financial institution cheers for the £50 sign up bonus last year (Our branch was begging for new accounts) I really enjoyed it. I only had my wages paid in as the day I started work I had my Nationwide details to hand. I've now transferred them to Barclays Premier. At least their service is consistent.

My only question is. will they file a CIFAS market against me? or if I close the account before their date will anything happen?

jonesMUFCforever

What was the £3.90 transaction for?

jalexa

TheTruthMachine wrote: »

The "Executive office" did a thorough investigation in a day sending me the "proof" I did the transaction and guess what. there was no proof

What was the *exact* form of the "proof" sent by Nationwide?

TheTruthMachine

jonesMUFCforever wrote: »

What was the £3.90 transaction for?

It just said "Misc. Services"

jalexa wrote: »

What was the *exact* form of the "proof" sent by Nationwide?

Nothing. they said they enclosed it and didn't

jalexa

TheTruthMachine wrote: »

Nothing. they said they enclosed it and didn't

Sorry, I misunderstood the "guess what there was no proof".

Did you point out the omission to Nationwide? If so what was the response?

Don't consider the FOS referral spiteful. It is an entitlement. I don't know the full story but you are entitled to a proper explanation.

TheTruthMachine

jalexa wrote: »

Sorry, I misunderstood the "guess what there was no proof".

Did you point out the omission to Nationwide? If so what was the response?

Don't consider the FOS referral spiteful. It is an entitlement. I don't know the full story but you are entitled to a proper explanation.

Apparently they've emailed it.

Nationwide are really the pits

jalexa

TheTruthMachine wrote: »

Apparently they've emailed it.

I believe in "setting a trap" in these situations. Keep at them to produce the proof. They say they have "proof" (whatever the form of). Wobetide they cannot produce anything (or indeed tell a different story) when the FOS asks them.

pmduk

Nationwide Customer Service is only slightly better than Santander's. I'd be tempted to go to the media.

TheTruthMachine

jalexa wrote: »

I believe in "setting a trap" in these situations. Keep at them to produce the proof. They say they have "proof" (whatever the form of). Wobetide they cannot produce anything (or indeed tell a different story) when the FOS asks them.

I keep asking them but they seem to be ignoring me

pmduk wrote: »

Nationwide Customer Service is only slightly better than Santander's. I'd be tempted to go to the media.

They are shockingly bad makes Santander look good.

JuicyJesus

I would be worried about the fraud team closing your account. Make sure to check your credit file in a month or so to ensure they have not put a CIFAS marker on it.

Then, if everything is as you've said it is, the FOS will take great pleasure in telling Nationwide where to go. You shouldn't claim to have proof of something if you don't actually have any. And their sudden about-face about the CVV2 being incorrect is quite interesting too. Then, to top it off, if they've put a CIFAS marker on it could be argued as defamation of character.

Then again, would a referral to their fraud people not be an overreaction for a £3.90 debit card transaction? Unless there's something else going on here we're unaware of?

TheTruthMachine

This is Nationwide

If I close my account can they still record on CIFAS?