nat west card cloned help please

meer53

zagfles wrote: »

I can't see the point in "asking them for a number". That doesn't prove it's the bank calling unless the number given is a published bank's contact number. The customer would need to look up the number anyway to be sure it's the bank, so why not suggest they call back on the number published on the back of the statement.

Or even better, apply some common sense to the situation and prove you're really the bank. For instance by letting the customer ask you some security questions, like "what was the value of my last cashpoint withdrawal", "what date does my pay go in" etc.

If I phone the bank, they expect me to prove who I am. Fair enough.

Equally, if the bank phones me, I expect them to prove who they are before I divulge any security/personal details, which would be useful to a fraudster.

If I didn't, and gave security details to a fraudster posing as the bank, the bank would probably blame me. Yet it seems their staff expect customers to divulge security details without providing proof they are who they say they are, and not some fraudster.

Where i work, we give out our published telephone number. We only have one telephone number, most of our customers will recognise the number straight away.We also never ask for complete security details when making an outbound call, only 2 questions, never any details from a password, if the customer wishes, we then allow them to ask us security questions if they're at all worried. As many as they wish. I can't comment on other banks obviously.

If one of our customers has been duped into divulging security over the phone and had fraud on their account, we never hold them liable as we realise that not everyone is as aware of these scams as we are. We even refund customers who have given fraudsters their PIN numbers over the phone.

zagfles

meer53 wrote: »

Where i work, we give out our published telephone number. We only have one telephone number, most of our customers will recognise the number straight away.We also never ask for complete security details when making an outbound call, only 2 questions, never any details from a password, if the customer wishes, we then allow them to ask us security questions if they're at all worried. As many as they wish. I can't comment on other banks obviously.

If one of our customers has been duped into divulging security over the phone and had fraud on their account, we never hold them liable as we realise that not everyone is as aware of these scams as we are. We even refund customers who have given fraudsters their PIN numbers over the phone.

That's fair enough, but I've been phoned by banks and CC companies, and utilities, who expect me to divuldge security information while refusing to provide any proof of who they are. And getting frustrated when I refuse - not even the suggestion I should call back. Idiots who can't think beyond their script...

samwsmith1

If I got called by my bank, I would not give them any info, I would imagine first direct would be good about this and be fine about you calling back, mainly because I wouldn't know who I was speaking to, also I never answer witheld calls or from numbers I don't recognise, so if they were so bothered they would leave me a voicemail (As A&L did a few times).
Or HSBC give you for example, the first part of your postcode is XXXX can you tell me what the second is? Another one I've been asked by them is the date and month of your birth is XX/XX can you give me the year.