HSBC security a joke. Talk about 'BIG BROTHER'

AFK_Matrix

I would just use the saynoto0870.com website so that I won't be paying the 0845 amount. If you have an android phone they even have an app so that it converts the 0845 number to a 01... number and is thus included in my free minutes. Then it's just your time your wasting which is still annoying but at least your not loosing money.

miketaff1408

A few weeks ago my mother wanted to top up her premium bonds by £8,000. I helped her fill out the form, and we paid at the post office using her HSBC debit card. This went through fine.

about an hour later, the card was "declined" at ASDA. I say "declined" as the checkout operator probably got it wrong and probably just needed a security check. My mother paid by another card, and when we got home, there was a message from the HSBC fraud team to get in touch.

I believed this to be a "yes I paid £8000 to the post office, then tried to use my card in ASDA etc." and then all would be fine.

Unfortunately they said there was a possibility of suspisious activity on the card, and she would have to cancel it!!!!!

I mean, come on, this happened within an hour of the 8k transaction. I cannot believe that the security flag was for any other reason than this. Too much coincidence that this would happen within an hour of making the largish transaction.

My mother was not happy as she had to wait for a new card to arrive through the post. Alright, I know she could have gone to the bank with ID, but thats not the point.

Tigsmom

I think they're over cautious at HSBC. I haven't had the same problem with other lenders. Maybe it is a good thing if you do get hacked but mostly the inconvenience is hacking others off!

Miketaff, you would have thought a quick phonecall from your mum would've solved the problem wouldn't you? It must cost them in phonecalls, extra cards and postage. (and inevitably customers).

BlushingRose

Billy-no-Money wrote: »

I had a similar experience with an HSBC debit card, but worse still they actually blocked the card BEFORE they spoke to me!

I had this issue a few years back. I'd gone to Wales for a week's holiday, used my card once, then after that it wouldn't work. I had to ring Barclays and ask what was going on, they put me through to fraud who asked where I was currently located. Once I'd said Wales they said they'd restart the card but that it would take *ten days* by which time I'd be back home. I ended up having to borrow from friends for my week's holiday cos I couldn't access my account. Extremely annoying. I felt like I had to ask their permission to move about in the UK!

miketaff1408

Tigsmom wrote: »

I think they're over cautious at HSBC. I haven't had the same problem with other lenders. Maybe it is a good thing if you do get hacked but mostly the inconvenience is hacking others off!

Miketaff, you would have thought a quick phonecall from your mum would've solved the problem wouldn't you? It must cost them in phonecalls, extra cards and postage. (and inevitably customers).

I know!!!! I forgot to mention that HSBC claimed that the security call had ABSOLUTELY NOTHING to do with the 8k transaction, or the follow up ASDA transaction.

Like I said before - too much of a coincidence.

Now if this happens again next time she juggles her savings around, and the card ends up being cancelled, then its going to be bye bye HSBC......

But saying that, can't see her wanting to move anywhere else after recent press.....NatWest??? Barclays????

Tigsmom

I'm getting a piggy bank! Bring back wax paper wage packets!

globalds

Maybe just stop spending on the card ..

It works two ways.

You get to protest at HSBC .. and you get to pay your debt off.

I am a bit impressed with HSBC at the moment ..
My OH had a phone call off them asking if she wanted them to transfer some money across accounts as they could see that an automated transfer of cash would send us in the red in one account .. but cash was available in another .. saved me money .. can't be upset about that

SouthCoast

Fraud losses on the nation’s debit and credit cards fall to £341.0m – a new ten-year low - Online banking fraud losses fall. Minor increases in telephone banking and cheque fraud losses
[FONT=Arial,Arial][FONT=Arial,Arial]The latest payment fraud losses for 2011, released today (7 March 2012) by the banking and card payments industry show that credit card, debit card and online banking fraud levels have fallen again. This continued success is thanks to efforts by the industry, partners, and importantly, customers. Fraudsters’ activities in other areas have caused a minor increase in cheque and telephone banking losses. [/FONT]

[FONT=Arial,Arial]http://www.financialfraudaction.org.uk/cms/assets/1/end%20of%20year%20fraud%20figures%20final.pdf[/FONT]


Who pays?
[/FONT]

Tigsmom

I don't actually have a problem with them as far as my bank account goes, they have been quite good. I just have a problem with the security system and the non english speaking people who ring me from another country and then play a pre-recorded message made by an english speaking person into my answer machine. Then I pay for an 0845 call to be transferred to another non english speaking person in another country and we try to have a long conversation in english about a transaction for less than the cost of the phonecalls.

The problem is I am old enough to remember when not everyone had a bank account, banks didn't push loans and credit cards onto you and you could speak to someone in person who understood you and your geography, if you had a problem. And in those days the customer always came first and was always right!

I think some of will just have to agree to disagree on this one folks.

sistafromanothermista

Tigsmom wrote: »

I don't actually have a problem with them as far as my bank account goes, they have been quite good. I just have a problem with the security system and the non english speaking people who ring me from another country and then play a pre-recorded message made by an english speaking person into my answer machine. Then I pay for an 0845 call to be transferred to another non english speaking person in another country and we try to have a long conversation in english about a transaction for less than the cost of the phonecalls.

The problem is I am old enough to remember when not everyone had a bank account, banks didn't push loans and credit cards onto you and you could speak to someone in person who understood you and your geography, if you had a problem. And in those days the customer always came first and was always right!

I think some of will just have to agree to disagree on this one folks.

This makes me :mad: too.