Bank forcing vulnerable person to break shielding

[Deleted User]

Thrugelmir said:

Heathertanit said:

No more than stated, why would he defraud his own account? He normally doesn't send his brother money so I'm presuming because he did so twice close together they thought it odd. 

What was the original source of the funds? 

I'm presuming his wages, he has no other source 

phillw

Heathertanit said:

And each time he contacts customer support they are hanging up on him

Essentially they blocked his account when he sent a couple of payments to his other brother on the basis it was suspicious activity and now they are insisting he go to a branch in person to free up the account.  

I always make an official complaint if someone hangs up on me, but I know that I when the tape is played back that I didn't say anything that would make me look bad. Assuming they didn't deserve it then it is unacceptable and you should tell them that.
I wouldn't make a big deal about shielding etc, I know it sounds bad but they aren't going to change their security protocol just because someone says they are shielding. If they suspect fraud then someone saying they can't come into the bank because of covid is just going to make them more convinced it was fraud.
You do need to get this sorted out, having an account closed for fraudulent activity can prevent you from opening another account for 6 years.

[Deleted User]

kaMelo said:

.
As to the brother identifying themselves I cannot think of a way to avoid going in person as they will not just want to see the identification document(s) they will also want to see the person presenting it too.
Just realised also that you initially said the account is blocked but in your last post you said they intend to close the account. Which one is it?

@ka@kaMelo I was responding to someone who advised they close the account once it is unblocked. Its blocked 

gt94sss2

Heathertanit said:

@badmemory thank you, yes they intend to close the account immediately. And thank you for understanding 

You do realise any bank would do exactly the same as HSBC?
As others have said, their request is reasonable given that the account holder is not the one instructed to shield. 

[Deleted User]

sharpe106 said:

Heathertanit said:

sharpe106 said:

I and many others on this forum have been going to work with others living at home that are high risk. I can assure you where I work and most of the others on this forum that work there is far more chance of any of us getting it then your son has from going to the bank. 

As I said im not looking for advice on ppe and covid transmission stats thank you 

No what you are looking for is everybody to agree with you how horrid they are being and how they should rush round personally to your sons to verify them. You are not looking for anybody to point out what you don't want to hear.

God you're a piece of work aren't you. If you can't help stop trolling my post. Nobody is asking anyone to rush round lol. But we live in 2020 I'm sure there are other ways. Now go and harass someone else please 

kaMelo

Okay, only blocked. This is better than closed even though it doesn't seem like it.
They want verify the owner of the account and I cannot think of any way around visiting a bank in person as they not only want to see the ID, they want to confirm the person presenting it is indeed the person on the ID. 
 Someone else could pay for an online food shop but until the account is released then he'll have the same problem next week.
 If there is no other way to realise money for food then the brother is going to have to go to the bank. Even if they did house calls then it's the same risks. All I could suggest is to read up on steps people have taken whilst working throughout the pandemic even though they live with family who are shielding. It's not easy but it is possible

LilElvis

Can you not place an online food order for them? Would a friend not do some shopping for them and then you reimburse the friend by bank transfer/ PayPal? Local councils also have community groups assisting the vulnerable in addition to the food boxes being provided. 

[Deleted User]

kaMelo I'm sure they could arrange a quick video call if they put their minds to it no? 

phillw

Heathertanit said:

I had hoped for some help but clearly you are mostly interested in telling my son he should be going to the bank anyway despite how he feels about that, which wasn't what I asked. 

I'm not sure what help anyone could possibly offer, if your son has phone up and been polite and charming and has been met with "you have to visit the branch". Then you have to visit the branch.
I don't know of any other way to talk banks round than asking to make a complaint, it sometimes works and sometimes doesn't.

[Deleted User]

I mean doctors are consulting that way, it's not rocket science