Barclays online ID check a joke!

MrSilk

When applying online, they grab data from Equifax and ask you three questions, Mine where

1. What was your past address?
2. What bank account did you open in Aug 2013?
3. What bank account did you open in May 2008?

Of course, I knew all three answers but it still failed to verify my identity..

Think they need to go back to using Experian.

P.s. Yes I am on the ER

WorkingGirl

MrSilk wrote: »

When applying online, they grab data from Equifax and ask you three questions, Mine where

1. What was your past address?
2. What bank account did you open in Aug 2013?
3. What bank account did you open in May 2008?

Of course, I knew all three answers but it still failed to verify my identity..

Think they need to go back to using Experian.

P.s. Yes I am on the ER

LOL

If you are correct in your assumptions, perhaps you should get your Equifax files to find the answers they were expecting... :cool:

MrSilk

I do have my file, and the fact that question 2 & 3 had three other possible answers of banks that I've never had any dealings with is just a coincidence?

And Q1, I think I know what my previous address was! :T

Futuristic

I've had the same issue this month, was fine and passed last year without a issue. Anyways just gave up (even though I have 2 accounts with Barclays) but moving both out shortly for the high interest accounts

TheEffect

Whenever I apply online with Barclays (a few Barclays Bank Accounts), it says 'Sorry, there's been a technical fault and you'll here from the application team within 5 days'.

A few days later the debit cards turn up.

Not sure why... answered the ID check questions correctly.

SuperHan

I had similar with Halifax, except worse.

'When did you open your current account

April 2013
June 1998
September 2004'

When I asked which current account, they said any of them. Not just with Halifax, with any of the institutions I banked with.

Given that I may have opened accounts in all three of the given dates, as I assume one is right and two are randomly generated, and that I probably have about 10 accounts, how am I supposed to answer that without having my credit report in front of me?! And I'm not paying just to get through security.

This happened on about 3 separate calls, and each time I had to fail security and go through the back up security system.

It felt largely surreal that these were deemed appropriate questions!

Rhenser

:rotfl:

I must say, I do so admire the British sense of humour.

One day, I hope to fully understand it all, but I'm still having to work on it...

agrinnall

SuperHan wrote: »

Given that I may have opened accounts in all three of the given dates, as I assume one is right and two are randomly generated, and that I probably have about 10 accounts, how am I supposed to answer that without having my credit report in front of me?! And I'm not paying just to get through security.

All of my account opening dates are right there in MS Money, no cost, little effort. If you don't keep accurate records that's hardly the fault of anyone except you.

SuperHan

agrinnall wrote: »

All of my account opening dates are right there in MS Money, no cost, little effort. If you don't keep accurate records that's hardly the fault of anyone except you.

My point is, surely a security question shouldn't require me to have additional information in front of me.

I can tell you who all of my accounts are with and give you account numbers and sort codes (for all accounts, closed and open). AFAIC that's adequate record keeping.

Knowing what month I opened an account from before I even had a computer to enter the details in to, seems a bit unnecessary.

Hedgehog99

I mislaid my mobile and called Tesco to ask them to block it to give me a few days to see if it turned up, but so that it'd be safe it if was in the wrong hands.

They asked me when & how I last topped up - since I rarely top up &, when I do, I use various methods, HTH was I to know that? Plus, anyone with me at the time would know, so it's hardly a valid question for security.

Then they asked me the last three #s I'd called. That's why I store numbers - so I don't have to remember them!

Luckily I found my phone in the laundry basket a few days later.

When my phone dies, I'm leaving Tesco. No support whatsoever.

mgdavid

Hedgehog99 wrote: »

I mislaid my mobile and called Tesco to ask them to block it to give me a few days to see if it turned up, but so that it'd be safe it if was in the wrong hands.

They asked me when & how I last topped up - since I rarely top up &, when I do, I use various methods, HTH was I to know that? Plus, anyone with me at the time would know, so it's hardly a valid question for security.

Then they asked me the last three #s I'd called. That's why I store numbers - so I don't have to remember them!

Luckily I found my phone in the laundry basket a few days later.

When my phone dies, I'm leaving Tesco. No support whatsoever.

I fancy Tesco won't worry too much about losing someone who cannot remember their last topup and who loses their phone in a laundry basket. They may even see the benefit from reduced risk.