HSBC froze credit and debit account

xlnc99

God Almighty - Got banned from his old username for only God knows what. So desperate to come back on here, makes another username to try and deceive the mods (probably a new IP address too) and has already nearly racked up as many posts on his new username as i have with my username!

D3xt3r5L4b

xlnc99 said:

D3xt3r5L4b said:

I said suspected fraud.
Fraud can be anything including spending on a card not just money mule-ing. 

Do you not have another bank account with money in you can use? 

Gary Dexter - is that you with another username?

How is this suspected fraud when the op admitted it was him purchasing the car insurance. How is money muling applicable to this scenario - please enlighten us all

Because the call handler doesn’t know who they’re speaking to on the phone.
And I’m surprised it was reinstated via online chat which is one of the least secure methods of communication to use.
I also said money muling was not applicable. 

D3xt3r5L4b

xlnc99 said:

God Almighty - Got banned from his old username for only God knows what. So desperate to come back on here, makes another username to try and deceive the mods (probably a new IP address too) and has already nearly racked up as many posts on his new username as i have with my username!

I have no idea what you’re on about 

happy_hazelnuts

what made you suspect it was mr dexter?

do you think mc chambers is hiding here as well?

sourcrates

xlnc99 said:

D3xt3r5L4b said:

I said suspected fraud.
Fraud can be anything including spending on a card not just money mule-ing. 

Do you not have another bank account with money in you can use? 

Gary Dexter - is that you with another username?

Gary Dexter........surely not

born_again

cauley81 said:

Really annoyed with HSBC. I already have a bank account with them. I have for years. Never had an issue. I also have a Tesco bank credit card that’s coming to the end of its 0% period. I applied for a 0% balance transfer card with HSBC in the week and was accepted. The card came the next day and I activated it on line. All ok so far. The following day I actioned the balance transfer from my tesco card to the new HSBC one. Again all ok without an issue. 

My car insurance is also due, so yesterday morning I found a good deal and decided to buy. I didn’t want to pay on my old tesco card. My new HSBC was activated so went to pay on that. I put the details on the payment screen. The security message came up that sometimes does when you pay online. As it’s the first time I’d paid with the card I’d expected it. They wanted to send a verification code by text or email, I selected text. I entered the code and it wa accepted, however the next page then said the bank declined payment. I didn’t really think anything of it. New card and all. I didn’t bother trying again as knew they’d probably block the card. 

About an hour later, I got a call off HSBC fraud team, stating unusual payment attempted on the card, they quoted the figure and car insurance company and I said, yes that was me, trying to get my car insurance. They said, unfortunately it’s raised issues so we need to block your credit card, and hers the killer, and my linked bank account. I made him repeat it. I said it was me who tried paying, no one else. Why you blocking my bank account too. I can’t go into that sir was all I got. I was fuming. No access to any money. I was told to expect a phone call once it’s all sorted, but they can’t give me a time frame. I rang them back after a couple of hours yesterday, but they won’t tell me anything or give any indication when I can access my money again??

i don’t understand what the issue is. I’ve previously had an issue years ago and they thought there was a dodgy payment, but they called me, I confirmed it was me trying to make the payment, they then alllowed it through, unblocked my account there and then. Don’t understand why this is different, and why they blocked my main debit account too. I checked my transactions on my account. Nothing out of the ordinary at all.  It would take someone 30seconds to look at the account and see that. 

I’m now 24 hours later, no word off HSBC, no idea when I’ll have access to my accounts again. Luckily I went food shopping on Friday so at least we’ve food in. So annoyed they can just block the account for something not out of the ordinary, and something I’ve confirmed it was me. No other out of ordinary transactions, should’ve been sorted there and then yesterday when they called me initially. 

Has anyone else had similar issues, or any idea how long their ridiculous investigation will take?
 

 That will be what HSBC call Account Takeover. 
Let me guess t hat in the 1st instance you spoke to someone from their Global Network. Who often get this confused with simple card fraud. They think because it is a new card, that there is no other reason.
Speak to a UK person and all is clear, and cleared up

[Deleted User]

xlnc99 said:

God Almighty - Got banned from his old username for only God knows what. So desperate to come back on here, makes another username to try and deceive the mods (probably a new IP address too) and has already nearly racked up as many posts on his new username as i have with my username!

IP addresses are assigned by your provider, unplug your modem for a few hours and sometimes you'll get another (I have read virign you can still have the same IP after 2 weeks off though so YMMV), post on a mobile or on wifi somewhere and you'll get another, use a VPN and you'll get another etc. IP bans don't work as you can end up banning the wrong person or blocking an entire network. They would only work against a person who knows how to create lots of accounts but doesn't understand tech enough to know how to get around an IP ban. Bans need intelligent work e.g. looking at a poster style, use of words/phrases, common typos etc whether that's human or AI