Banking address error. Help please?!?

cornflake27

I was hoping someone would be able to give me some advice to the best way to make a complaint to my bank.
I logged into my online banking this morning to find that the address they have all my accounts registered to is some 230 miles away from where I actually live. Luckily I have paper statements turned off but I'm guessing they still would have sent letters of some sort.
My postcode and the one that is registered aren't even similar, now if they have sent letters to this address surely this a massive data protection breach? Again, Luckily I haven't had any missing money or suspect purchases as yet.
I spoke to one of the banks customer service advisors on the phone and he said I needed to go into to my nearest bank and make a complaint. I was hoping someone would be able to give me some advice as to what to say, how to word it and whether I should be receiving some sort of compensation.

k3lvc

cornflake27 wrote: »

and whether I should be receiving some sort of compensation.

Why ? What are your losses that they are compensating ?

cornflake27

It's not that I have had anything taken its more I could have had something? They potentially have been sending my account details to someone else because of what I'm guessing is an administration error?

nidO

cornflake27 wrote: »

It's not that I have had anything taken its more I could have had something?

Then, realistically, the bank could have paid you compensation to compensate you for the loss that you could have suffered. But you didn't, so they shouldn't.

In practical terms though, depending on the root cause of the problem, they might. You seem to be jumping straight onto the "the bank cocked up and owe me!" but are you actually sure that your account hasn't been fraudulently altered by some means that may be your responsibility?
You seem to be oddly premature in jumping onto this forum before apparently actually making sure your account is safe, secure, and using the right details, which really should be priorities 1, 2 and 3, with a complaint for compo being somewhere around priority 1 million.

That said, i've been through a near identical problem a couple of years ago, someone in the bank's branch was processing a postal change of address for another customer and accidentally keyed in my acct number, so all of my accounts with them out of the blue had my address changed.
I contacted the bank's fraud team who froze all the accounts while looking into it and to cut a very long story short they eventually reinstated my accounts with the correct address, spent several weeks investigating to eventually discover that as above my address was changed by a staff error rather than any form of fraud, and they just deposited £250 compo into my account without me asking for it, basically for the hassle and repeated phone calls and branch trips needed to sort it.

TLDR: Banks fairly freely hand out shut-up money to make problems go away, but you aren't "owed" any compo because you haven't suffered any loss to compensate you for.

colsten

cornflake27 wrote: »

I spoke to one of the banks customer service advisors on the phone and he said I needed to go into to my nearest bank and make a complaint.

This is sheer and utter...poppycock. You can raise a complaint online or on the phone (or in Branch), but you most certainly do not have to go into a branch to raise a complaint.

Which bank are we talking about? How can you see what address they have on file for you? Is it on statements? When was the address changed? When did you notice it was changed?

Ref compensation: I agree with what the others posted.