"Bank" call on mobile phone

dalesrider

zagfles wrote: »

Yes. Perhaps banks shouldn't ever write to customers with confidential information either.?

Sent out sealed and addressed to a individual.
So bank has done all in their power to ensure only the correct person opens it. What happens in your house is out of the banks control.
Same as when they call someone. They call the number listed. They have no control over who answers.
What they do have control over is ensuring, that the person at the other end is who they should be speaking to via security questions.

pmduk

Banks could stop this overnight if they ceased making sales phonecalls.

Nobody should object to fraud calls, although, a bank should anticipate customers being wary over who they're talking to.

If banks can't be certain who they're talking to, surely the same applies to customers receiving the call? Anybody can say they're calling from a bank.

WatlingA5

This thread has taken off in directions I never anticipated

I would like to thank dalesrider for contributions made and the patience they have shown. Serves as a reminder that the problems are not all on one side

I've no problem with security calls - had one from my CC company within minutes of making an unusually (for me) large online purchase, so I was expecting it. Still didn't discuss details with caller, but said I'd call the phone number on my card, which I did.

Both parties happy

Thanks all for an illuminating thread.

Edit to add: Now checking all my contact details

_Andy_

!!!!!! it's not rocket science - if you don't want sales calls, ring the bank and change your marketing preferences.

hillcats

I once tried the 'you answer my question first' to test the water (though I still wouldn't trust the person) I never answer any type of security question(s) during an incoming call, as you never truthfully know who you are speaking too... This method has never let me down!

zagfles

dalesrider wrote: »

Sent out sealed and addressed to a individual.
So bank has done all in their power to ensure only the correct person opens it.

Rubbish. They should send confidential information by secure courier who should insist on seeing ID before handing it over. I bet you would soon be jumping up and down if they sent confidential information to your house and some other family member opened it.

What happens in your house is out of the banks control.
Same as when they call someone. They call the number listed. They have no control over who answers.

Exactly. They have the same control over who answers the phone as who gets to the letters first. If someone dishonest gets to the letters first, they could open "private and confidential" letters. If they get to the phone first they could pretend to be the account holder rather than handing the phone over.

In fact it's a lot easier to open someone else's letter than to pretend to be someone else on the phone. Particularly if you're the wrong sex, are a child etc :rotfl:

As usual, inconsistent security rules made and implemented by the clueless.

zagfles

Goldiegirl wrote: »

You can tell from the tone of their voice if its going to be a sales or review call.

I used to work for a major bank ......... I kind of of recognise their approach to that sort of call

Yeah, that sounds foolproof!

Customer: Why did you block my card, I've had to walk 10 miles home?
Bank: We tried phoning you but you didn't take our call
Customer: But that guy had a "sales" tone of voice.
:rotfl:

Goldiegirl

If it was a fraud related call, they'd ask me to call them back as a matter of urgency - you don't get that from sales calls.

It's not difficult to sort the wheat from the chaff with bank calls.

dalesrider

zagfles wrote: »

I bet you would soon be jumping up and down if they sent confidential information to your house and some other family member opened it. Exactly.

Funny you should say that aas My wife opens ALL post that comes in addressed to either of us.
Even though we only have sole accounts.
Do I care.... Nope. If I have something I do not want her to see. I go green and paperless

zagfles wrote: »

If they get to the phone first they could pretend to be the account holder rather than handing the phone over.

As usual, inconsistent security rules made and implemented by the clueless.

Well they could only get passed on the phone if they know the security answers.
Which are why they are set by yourself when no one else can hear you.

pmduk

hillcats wrote: »

I once tried the 'you answer my question first' to test the water (though I still wouldn't trust the person) I never answer any type of security question(s) during an incoming call, as you never truthfully know who you are speaking too... This method has never let me down!

I asked Natwest's complaints department the same question once when they called me. I don't think I've spoken to anyone so flustered in my life, though when she called me back the next day, she acknowledged my reasoning for it.