Nationwide Cash Card

chris.mitchell

Hi

Has anybody else encountered this problem?

I have a new Nationwide Cash Card account. Whenever I try and pay a bill or make a payment online, every website declines the card stating that the Payment Address is incorrect. My address is correct with both Nationwide and the websites that I am using.

What's even more confusing, is that Nationwide are saying that they are approving the transactions and are even giving me authorization codes for them.

I am at a loss as to what to do, as Nationwide are saying the fault is not with them and yet this is happening with almost every transaction that uses my invoice address. I can't even make a payment with Three over the phone as it gets declined due to the payment address!

Has anyone got any ideas on what to do next? Is there a more senior number I can ring at Nationwide instead of the customer service number?

Chris

pmduk

Have you asked nationwide to escalate the problem? If necessary, make a formal complaint, that often ensures the problem gets considered by someone with more experience and/or expertise.

chris.mitchell

I have yeah. They keep telling me that there is nothing wrong with the account. They cancelled my first card and have sent me a replacement and I am still getting the problem.

I spoke to somebody this morning who read out to me the Authorization codes that they are giving to the transactions that keep declining. My card also does not work with Tesco Pay @ Pump - could this be connected too? It just comes up as card not accepted

melbell

pmduk wrote: »

Have you asked nationwide to escalate the problem? If necessary, make a formal complaint, that often ensures the problem gets considered by someone with more experience and/or expertise.

A formal complaint will get you the response "There is a glich with visa"

been there done that.

The problem is Nationwides implementation of the Visa system, Their system will generate an authorisation code even on declined transactions. Its down to their systems being so bad. I had this same issue on the flex account two years ago.

A few weeks later I had mini credit give incorrect details and clear £300 out of my account. Nationwide are the pits had to get the FOS to resolve my issues.

I moved to another bank who knows how to implement Visa correctly.

Tjrw1985

First, you need to check it is a cash card +.

I had this problem with Vodafone's automated service but when speaking to a human it goes through fine. It seems it was the Expiry date it didn't like as it was so far away.

dalesrider

Do you have a unusual address?
Not just the std
13 mystreet road
somewhere
yd88 7me
Or live out of the UK?

Could be the way Nationwide have it on the system. Compared to how a retailer expects to see it.

Also is the card a Visa/Mastercard? Or just a atm card.

Does this happen when going through VbV or Secure Code or before you get there?

What do the retailer say when you talk to them and give them the auth code....

chris.mitchell

Update!

I made one final call to Nationwide customer service yesterday, who again were not much help. We confirmed the address down to each letter and space. Everything was 100% matching. So they once again fobbed me off and said that it must be a co-indicance and that each website I was on was having technical problems.

At this point I was at the end of my tether, so i sent an email to Nationwide CEO Graham Beale. I had a telephone call two hours later from a gentleman called Daniel Boucher who is a senior manager. He said he would look into it and call me back today.

I've just got off the phone to him. He said that they have identified a discrepancy with my address on the Visa system and have refreshed my details. So hopefully the problem should correct itself in the next few days. He has also made a payment to me of £50 as a gesture of goodwill.

Lets hope that its now sorted!