I think my bank have committed fraud

le_loup

27col wrote: »

I am never asked for a pin when I go into my Nationwide BS. I just hand them my debit card and they give me the cash.

After you sign the withdrawal slip.

duchy

So you've built an utterly fictitious scenario about the bank clerk and their manager in your head and are presenting it as the only truth.

Absurd.

Instead of making up stories in your head why not just follow the bank's complaints procedure and wait for the result of their investigation ..........or maybe you think the complaints team will be part of this conspiracy you have concocted in your head too ?

Regardless of your perception of lack of training (although how you would know what training an individual has or not is unclear) your actions now have guaranteed disciplinary action against the clerk who served you if they did make a mistake. So if the complaint after proper investigation rather than Miss Marplesque flights of fantasy is proved even in part-you've probably lost them their job.

jennyj26uk wrote: »

My point exactly! The young cashier serving has obviously panicked and rather than lose her job has forged my signature on a slip (probably her manager's idea) to save time and hassle and to save her job. I don't want anyone sacked, I just want them to realise that they have to security checks. I even stated in my complaint that it probably isn't the fault of their staff, but down to their lack of training by the company. So not such a ludicrous idea now is it!

jennyj26uk

duchy wrote: »

I suspect some people decided you were on a "compensation quest" the moment they read " I wasn't asked for ID so naturally I complained". To you that action was a given -Not everyone sees it that way.
I've had a genuine compensation case with a bank. I complained about the delay in my debit card getting reissued and the complaints team responded within two days and informed me that when I had reported the unauthorized transaction on the card the person in their fraud team who took my initial call forgot to stop the card and when I called two days later to say there were more transactions it was cancelled then. They didn't need to tell me and it left them without a leg to stand on with compensation so my experience is if a complaint is investigated properly the truth will come out. That said if a cashier didn't ask me for ID I'd ask them why they hadn't but wouldn't automatically or "naturally" complain. People are human and unlike the OP I'm not perfect and am capable of making mistakes myself too.

I don't want or need compensation. I just want them to learn a valuable lesson. Banks are quick enough to jump down everyone's throats when their customers make mistakes or miss payments so I do the same to them every time they make a mistake. I know all too well that people are only human and mistakes do happen. I work in retail and fully appreciate that human error occurs almost everyday. No one is perfect and nor do I expect them to be! I only complained because this is a serious breach of security and then they have tried to cover their tracks. I was nice and polite in my complaint, at no point did I blame the cashier in question. I actually blamed it on the bank and their training which is clearly not rigorous enough! So get your facts straight before making assumptions!

jennyj26uk

duchy wrote: »

So you've built an utterly fictitious scenario about the bank clerk and their manager in your head and are presenting it as the only truth.

Absurd.

Instead of making up stories in your head why not just follow the bank's complaints procedure and wait for the result of their investigation ..........or maybe you think the complaints team will be part of this conspiracy you have concocted in your head too ?

No different to the utterly fictitious scenario of me having an empty life and needing to get out more than people have built in their heads of me on this forum. FYI I have already followed their complaints procedure, several times over! I never stated it as the truth anyway, I stated that I strongly suspect this is what has happened but I never stated it as fact. And yes I do think the complaints team are in on it, why wouldn't they be? They are all trying to cover each other's backsides! What a stupid statement.

PeacefulWaters

The main purpose of having a bank account is so your money is kept safe. Security should be banks paramount concern.

Let me get this straight.

Nobody else got hold of your money.

Is that correct?

dr_adidas01

jennyj26uk wrote: »

My point exactly! The young cashier serving has obviously panicked and rather than lose her job has forged my signature on a slip (probably her manager's idea) to save time and hassle and to save her job. I don't want anyone sacked, I just want them to realise that they have to security checks. I even stated in my complaint that it probably isn't the fault of their staff, but down to their lack of training by the company. So not such a ludicrous idea now is it!

I still don't get why your making a complaint, you have taken your own money out, at your own bank and its been given to you the correct person, is this factually correct?

Your now wanting some sort of compensation from the bank for carrying out a transaction that you requested to be done and they have done what you requested.

I don't see why any normal person would be making a complaint over this, except for some sort of personal gain or self righteous act.

I'm also wondering why you wont say which bank it is, as this would then give us some sort of idea what this particular bank does when a customer withdraws money via the counter.

Seems to me like many others on this thread, your making a mountain out of a mole hill and fuss where there doesn't need to be one.

I would be making a complaint if I hadn't withdrawn the money and someone else had, then yes I could see your point in doing it as it really would be theft, and a serious lapse in security.

jennyj26uk

PeacefulWaters wrote: »

Let me get this straight.

Nobody else got hold of your money.

Is that correct?

*SIGH* Why do I bother! That is not the point!!

matttye

PeacefulWaters wrote: »

Let me get this straight.

Nobody else got hold of your money.

Is that correct?

You have a point about any compensation the OP may be expecting to receive (so far they haven't said they do want any), but the fact that no money has gone is wholly irrelevant to the complaint itself.

dr_adidas01

jennyj26uk wrote: »

*SIGH* Why do I bother! That is not the point!!

I don't think your grasping the point either!!

duchy

dr_adidas01 wrote: »

I still don't get why your making a complaint, you have taken your own money out, at your own bank and its been given to you the correct person, is this factually correct?

Your now wanting some sort of compensation from the bank for carrying out a transaction that you requested to be done and they have done what you requested.

I don't see why any normal person would be making a complaint over this, except for some sort of personal gain or self righteous act.

I'm also wondering why you wont say which bank it is, as this would then give us some sort of idea what this particular bank does when a customer withdraws money via the counter.

Seems to me like many others on this thread, your making a mountain out of a mole hill and fuss where there doesn't need to be one.

I would be making a complaint if I hadn't withdrawn the money and someone else had, then yes I could see your point in doing it as it really would be theft, and a serious lapse in security.

It's because she thinks it's all a conspiracy, the bank clerk is lying, the bank manager is lying, the bank's complaints team is lying.....and as she claims to have followed the complaints procedure correctly presumably the ombudsman is lying too.

Truth, lies or too many meds...... You decide :rotfl::rotfl: