Nationwide fraud

lrahael

I was under the very same impression, i thought i would have to call up and cancelled the restricted card before i could use the new one for as you said security reasons.
What made me even more mad is the fact that i was using the card that had restrictions on it on the very same day around the same time as the money was being withdrawn with the new card in two completely different parts of London (is Luton even classed as London?) and taking into consideration the account is not a joint account, why there was no red flags raised... i went from paying lunch in west london to withdrawing near enough the whole balance in outter London or whever Luton is classed as! The only explanation i can give is that i asked for restrictions rather than cancelling the card because i was going away, and that how they have allowed 2 active cards

lrahael

I understand and appreciate that was you experience with Nationwide but just because you have never been asked for identification does not mean I have not as well, as i said earlier they were trying to push onto me that they do not ask for identification as part of their procedure when in actual fact i feel its down to the discretion of the branch to ask, if they would have said this i would have accepted it because it would have match to my own experience but just like you in your comment i was made to feel i was making this whole "I have been asked for identification" thing up.

Thanks so much for the link, it shows that there is more to their 'procedure' than they were telling me and i will follow up using this, but i have a feeling all they will say to me is that the person did have proof because they also had my post and there is no mention of photo identification, although how you can prove your face belongs to the your name without photographic proof and only the letter that the new card came on

teddysmum

As Nationwide make up for any money stolen under their casual withdrawal system, then it is they who take the risk and not the customer.

Placitasgirl

I think that rather than focussing your energies on a complaint to Nationwide I would be more concerned at how/where your mail is being intercepted or stolen. Have you made a formal report or complaint to Royal Mail? If not I would do so immediately and would even consider asking them to hold your mail and putting a collection arrangement in place until you've got to the bottom of this. Until you've done so you are still at risk, so do make this your first priority.

custardy

Given your online banking was affected. Have you checked what address your account is under?

GingerFurball_2

lrahael wrote: »

Is there any point taking this higher up, I just feel the comment “at least you got your money back” is really unacceptable? Yes I did get my money back but now im suspicious of how safe my moneys been for the last 10 years, but I want to close the account how seriously are they going to take the complaint of someone who isn’t a customer anymore?

What's the point of taking it higher?

The person who made the withdrawal had the most critical piece of ID that s/he needed - your bank card. Stamping your feet about a Nationwide policy that is utterly irrelevant to any complaint serves you no purpose as you aren't actually out of pocket. I'm not looking to downplay how horrible it must have been to temporarily lose that amount of money but you're not out of pocket so what are you looking to gain by "taking it higher?"

GingerFurball_2

For what it's work the story causes my !!!!!!!! meter to tingle because I think it's incredibly fortunate that a fraudster just happened to intercept your card when you asked for a new one to be sent out.

Consider yourself fortunate that Nationwide didn't take a dimmer view of this incredible coincidence and get over it.