Nationwide locked card over £200

Mrs_Arcanum

Sent my daughter money to buy a new phone as an early birthday present (current one is almost useless). A day or so later the new phone was ordered.

Nationwide have now cancelled the new phone order and blocked the card. All because they could not contact her immediately.

Has anyone else come across this? Whilst it may be good for fraud prevention, it is very unhelpful to be so preemptive with cancelling purchases and blocking the card.

18cc

she needs to call them and authorise the transaction and re-order

le_loup

What would you like them to do? Allow unusual transactions to go through?
It happens to us all - an unusual transaction and the bank contacts you to find out if it was YOU making the transaction.
Ad 18cc says, contact the bank and all will go through.

Kim_13

It's worth taking time to check that your daughter's contact details are up to date, to try and prevent similar happening in future. Do they have a landline number on file in case her mobile is out of action for whatever reason?

They can be liable for fraudulent transactions so they do need to be vigilant.

Mrs_Arcanum

Would rather they held everything until she was able to speak to someone, rather than stop everything and block her account.

As it happened, she was out walking when they called, with her purse left hidden in the car. So no way to confirm the account number off the top of her head. Now she has to hope she can have a long lunch break, or leave early to get to the nearest branch whilst they are open.

sheramber

Mrs_Arcanum wrote: »

Would rather they held everything until she was able to speak to someone, rather than stop everything and block her account.

As it happened, she was out walking when they called, with her purse left hidden in the car. So no way to confirm the account number off the top of her head. Now she has to hope she can have a long lunch break, or leave early to get to the nearest branch whilst they are open.

And if they had left it and it was fraud how much money could have been taken?

Would you expect Nationwide to take the cost of six more fraudulent purchases or would you be happy for them to hold your daughter responsible?

We received a computer message on the phone asking my husband to input some personal information. He was wary of this so didn't do it. Next day his card was blocked. When he contacted the bank they confirmed that they had tried to contact him and failed so had blocked the card due to a suspicious purchase.

This purchase was in fact fraud and they immediately cancelled the card issued a new one. There was no need to visit a branch..