Telephone Banking Security

Le_Kirk

debitcardmayhem wrote: »

Huh....?:cool:

Lady, let's call her Smith, doesn't marry so her name is Smith, she has a child, also of course called Smith. Child wants to open a bank account, bank says, what's your mother's maiden name. Smith says the child, no your mother's maiden name, that's her name now!!!

EssexExile

Le_Kirk wrote: »

Lady, let's call her Smith, doesn't marry so her name is Smith, she has a child, also of course called Smith. Child wants to open a bank account, bank says, what's your mother's maiden name. Smith says the child, no your mother's maiden name, that's her name now!!!

Tell them Jones, it doesn't have to be real.

stragglebod

Tell them her name is Sally Yoursecurityisrubbish - it's a common Croatian surname apparantly.

esuhl

The security is there to protect the banks, not customers.

I got a call from my bank. They'd noticed suspicious activity on my account and needed to confirm my details and password to proceed.

"What?!" I said. "You called me. You'll need to answer my security questions first." Apparently they couldn't confirm their identity until they'd confirmed mine.

I said I'd be happy to call back on the bank's official number and discuss it with them. The caller said that he couldn't take inbound calls. And it was out of hours, so the main switchboard would be closed. I hung up.

The next day I called the bank, and they confirmed that the call was legitimate. They did seem a bit embarrassed when I asked if I should have given my details to anyone who called.

But I was reassured that, while they could understand why I was suspicious, I had no need to worry as it was their "anti-fraud department". Well, that's okay then. Do you want my PIN too?

*roll-eyes*

jjhdee

^ Surely they could come up with a less suspicious way of confirming identity, no? I mean, they said they understood why you'd doubt that the call was in fact legitimate.

Paul_DNAP

You're quite right, in the current scam/fraud climate, there is no way I would ever discuss any personal detail to an incoming call.


Especially the "we have detected suspicious activity, can you list off all your account numbers and passwords for us" type of scam is designed to replicate this exact scenario.

tempus_fugit

My stock response is " you prove who you are first", like I have to do when I call them. They could be anybody.

DavidFx

esuhl wrote: »

T

I got a call from my bank. They'd noticed suspicious activity on my account and needed to confirm my details and password to proceed.

"What?!" I said. "You called me. You'll need to answer my security questions first." Apparently they couldn't confirm their identity until they'd confirmed mine.

The way to deal with this scenario is to give some false details - if you 'pass' security then you are not talking to your bank and you haven't revealed all/some of the security answers.
If you fail security then repeat with the correct data.

Paul_DNAP

DavidFx wrote: »

The way to deal with this scenario is to give some false details - if you 'pass' security then you are not talking to your bank and you haven't revealed all/some of the security answers.
If you fail security then repeat with the correct data.

But then once you fail security, they mark your entire business with them as being fraudulent and you have a nightmare of a time getting control over your own money ever again.

RumRat

I've never had to talk to my bank via the phone.....Everything is done online or via the app.

If they were to ever phone me and ask anything, I would tell them to put it in writing or an email and then I'd contact them.