Bank Details Scam. BEWARE!

Biggles

Intasun32 wrote: »

She said that she represented 'my bank', the Metropolitan Police and the FSA.

I would have hung up at that point and saved myself some time and money.

Intasun32

Biggles wrote: »

I would have hung up at that point and saved myself some time and money.

Yes I agree, thinking about it afterwards but at the time you wonder what is going on till you quickly realise that they are trying to scam you.

@Innovate.

Quote: 'As to Nationwide's recommendation to report it to the police: what else would you expect them to do? No bank/BS has the resources, and powers, required to investigate this sort of scam.'

As I said the police were my next call and yes they were correct in advising me to do just that. My point was their complete lack of interest. I asked that the incident be added to my account in case of any come back but was told that the 'only' the call time would be logged not any details of my call. I agree that there was nothing they could do at that time but they should have taken details and report it to their fraud department, this should have been the correct action to take.

Obviously this would not have been a 'one off' and I am sure that the scammers had called many others that evening so I was giving Nationwide prior warning of an ongoing scam.

:beer:

soolin

MuffinTops wrote: »

It takes the call originator to disconnect the call.

Not on modern phone systems .

dalesrider

Intasun32 wrote: »

but they should have taken details and report it to their fraud department, this should have been the correct action to take.

Obviously this would not have been a 'one off' and I am sure that the scammers had called many others that evening so I was giving Nationwide prior warning of an ongoing scam.

:beer:

This scam has been ongoing for around a year in its current form. Although this is now evolving into something far much deeper.
A note on your acount is the best you could hope for, even when talking to the fraud department. as there is no proactive action that can be taken.

As to the police. That varies from the proactive. Someone called them after such a call to advise of card being picked up and they arrived to pick up the driver.
To total indiffrence and just a letter stating the would not be taking any action after they had thousands taken from their accounts.

Given this is hitting every bank. The police should be far more proactive in dealing with these cases.

rb10

Intasun32 wrote: »

I agree that there was nothing they could do at that time but they should have taken details and report it to their fraud department, this should have been the correct action to take.

And what action would their fraud department have taken? Ultimately, no fraud has been committed (you stopped it), and your account is safe (assuming you gave out no personal details). So Nationwide - like every other bank or building society - are powerless to do anything.

Personally I'd prefer that their fraud department focus on fraudulent activity that is within their power to prevent.

Intasun32

rb10 wrote: »

And what action would their fraud department have taken? Ultimately, no fraud has been committed (you stopped it), and your account is safe (assuming you gave out no personal details). So Nationwide - like every other bank or building society - are powerless to do anything.

Personally I'd prefer that their fraud department focus on fraudulent activity that is within their power to prevent.

@rb10,

As I have already posted, the action that the NW advisor should have taken was to log the full details of my call to my account. Secondly, any advisor worth their salt would have known of such scams and reported the incident to the Fraud department. Whether they can act on it, or not, intelligence of ongoing scams are important.

You say that you would 'prefer their fraud department focus on fraudulent activity that is within their power to prevent' but without knowledge of frauds how can they act or prevent it? They will only get that info when people like me call to report an actual or attempted fraud.

:beer:

maninthestreet

Intasun32 wrote: »

@rb10,

As I have already posted, the action that the NW advisor should have taken was to log the full details of my call to my account. Secondly, any advisor worth their salt would have known of such scams and reported the incident to the Fraud department. Whether they can act on it, or not, intelligence of ongoing scams are important.

You say that you would 'prefer their fraud department focus on fraudulent activity that is within their power to prevent' but without knowledge of frauds how can they act or prevent it? They will only get that info when people like me call to report an actual or attempted fraud.

:beer:

This probably isn't a new scam to your bank, and they've probably received numerous calls from other account holders in the past reporting this sort of scam. So they already know about it.

innovate

Intasun32 wrote: »

@rb10,

As I have already posted, the action that the NW advisor should have taken was to log the full details of my call to my account.

Why? Nothing was taken from your account.

Intasun32 wrote: »

Secondly, any advisor worth their salt would have known of such scams and reported the incident to the Fraud department.

Why? What were the Fraud dept meant to do about it?

Intasun32 wrote: »

You say that you would 'prefer their fraud department focus on fraudulent activity that is within their power to prevent' but without knowledge of frauds how can they act or prevent it?

How could they prevent 'courier fraud'? They have known about this sort of fraud for a long time. It does nothing if they note that you were one of the targets.

Nationwide gave you the correct advice - report it to the Police.

rb10

Intasun32 wrote: »

As I have already posted, the action that the NW advisor should have taken was to log the full details of my call to my account.

The person who phoned you doesn't know anything about your account. All they have is your phone number.

So unless you gave them any of your account details during the call (but evidently don't want to admit it), then this call has nothing to do with your NBS account.

What useful purpose would a note on your account serve? If the story is as you have reported, the fraudsters know nothing at all about who you are, where you live, or who you bank with - let alone your account number or card number.

dalesrider

rb10 wrote: »

What useful purpose would a note on your account serve? If the story is as you have reported, the fraudsters know nothing at all about who you are, where you live, or who you bank with - let alone your account number or card number.

It allows them to keep a track of the number of incidents. This info can then be collated and taken forward if enough cases are logged. So that some info can be run out to customers to warn then of this potental scam.

The rep the OP spoke too. Needs to be reminded that when a customer reports something like this. It is logged on the customers notes. If only to cover themselves should something happen to the cm's account.