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Fernastian

refluxer said:

Fernastian said:

I'm having same trouble with HSBC too, sent my £1 test which was fine, then delayed fraud alert messages, and now completely locked out of online banking! 40 minutes on hold this morning so far...... Had the same yesterday and they told me further transfers would not be blocked as I'd now confirmed it was legitimate, yet here I am again. Tempted to up sticks and abandon HSBC altogether their customer service is appaling.

Before you go switching, it's starting to sound like a lot of the major banks are doing the same. I made a couple of smaller test payments from my Barclays current account to my newly-opened Chase account yesterday and each had to be authorised by 'PINsentry' within the Barclays banking app (which has been normal practise in the past) but a third, 4-figure sum was blocked that afternoon and only released in the early hours of the morning. In the past, a couple of successful, authorised payments would have been enough to prevent anti-fraud measure kicking in for larger payments, but not these days it seems. Thankfully, Barclays at least don't seem to lock you out of your online banking, however I wouldn't want to test this by making too many large, successive payments !

Yeah, it is reasonable that they do the checks. However, if I verify with them that the recipient is me and I approve it they should allow all future payments IMO... I'm sick to death of the same questions now from HSBC, always after a long wait! Think I've spent upwards of 2 hours on the phone in the last two days!

@Daliah I've recently done the rounds switching to get all the offers... 

jaypers

refluxer said:

Fernastian said:

I'm having same trouble with HSBC too, sent my £1 test which was fine, then delayed fraud alert messages, and now completely locked out of online banking! 40 minutes on hold this morning so far...... Had the same yesterday and they told me further transfers would not be blocked as I'd now confirmed it was legitimate, yet here I am again. Tempted to up sticks and abandon HSBC altogether their customer service is appaling.

Before you go switching, it's starting to sound like a lot of the major banks are doing the same. I made a couple of smaller test payments from my Barclays current account to my newly-opened Chase account yesterday and each had to be authorised by 'PINsentry' within the Barclays banking app (which has been normal practise in the past) but a third, 4-figure sum was blocked that afternoon and only released in the early hours of the morning. In the past, a couple of successful, authorised payments would have been enough to prevent anti-fraud measure kicking in for larger payments, but not these days it seems. Thankfully, Barclays at least don't seem to lock you out of your online banking, however I wouldn't want to test this by making too many large, successive payments !

This is interesting. All of the discussion around this has made me pause before opening a Chase account as there seem to be quite a few issues being highlighted on here. I have opened quite a few savings accounts in recent weeks and made quite a few large transfers from Barclays without any issues at all. I always do a £1 test transfer first as well. Does make me wonder what is triggering the extra checks at the moment. 

george4064

Fernastian said:

george4064 said:

soulsaver said:

soulsaver said:

n1david said:

Opened account this morning.  Transferred £1 at 11.25 to test that the transfer was set up properly.  That went through in minutes.  Set up transfer of £20k.  Still not arrived.  Chase tell me alternately that transfers are delayed and taking time to go through, and that there may be a problem and I need to get the Faster Payments ID from the sending bank (which I have, but Chase haven't asked for it again since I got it from First Direct).  I think they are a bit overwhelmed but a bit of consistent messaging would be reassuring...

Y my £5 got there in a blink but I've got the follow up £20k plus in for the last few hours cyberspace, too. Bear in mind FP is close of play next day guarantee, tho'..
1stD confirmed it's not 'held'.

Funds still hadn't arrived after 8 hours... But IstDirect (FD) shot themselves in the foot: The funds arrived back in my FD account late evening - it WAS held for fraud checks after all, but they cba to call or text to correct the CS previous incorrect info. or clear the stop.

And 'cos it's 'now late',
and 'a lot', it... 'won't/can't go'. 
So I have to press the CS to try smaller payments ...
and the 1st of 3 £10ks has just arrived in Chase. 

ETA - all arrived now, leaving me daily limit headroom for tomorrow.

FD - Nil points for service - you've slipped.

I had a similar experience with HSBC.

£1 arrived safely, follow up £10k didn’t arrive. Contacted HSBC through the app to check payment, they said it’s gone through fine and not being held up by any checks. Then a few hours later after that, HSBC text me to say fraud has been detected and to phone them, as it was out hours I couldn’t phone them but they proceeded to suspend my account.

Hopefully I’ll be able to sort today.

I'm having same trouble with HSBC too, sent my £1 test which was fine, then delayed fraud alert messages, and now completely locked out of online banking! 40 minutes on hold this morning so far...... Had the same yesterday and they told me further transfers would not be blocked as I'd now confirmed it was legitimate, yet here I am again. Tempted to up sticks and abandon HSBC altogether their customer service is appaling.

Hang in there! After 48 minutes on hold I finally got through to someone, sorted within 5 minutes after the call. I was able to transfer fine afterwards, arrived at Chase within a minute.

First bad experience with HSBC, but this bad experience has prompted me to check those switching offers!

gunjin

24 hours on and my account is still not opened with the same "we're checking the details" holding page on the app...

Fernastian

george4064 said:

Fernastian said:

george4064 said:

soulsaver said:

soulsaver said:

n1david said:

Opened account this morning.  Transferred £1 at 11.25 to test that the transfer was set up properly.  That went through in minutes.  Set up transfer of £20k.  Still not arrived.  Chase tell me alternately that transfers are delayed and taking time to go through, and that there may be a problem and I need to get the Faster Payments ID from the sending bank (which I have, but Chase haven't asked for it again since I got it from First Direct).  I think they are a bit overwhelmed but a bit of consistent messaging would be reassuring...

Y my £5 got there in a blink but I've got the follow up £20k plus in for the last few hours cyberspace, too. Bear in mind FP is close of play next day guarantee, tho'..
1stD confirmed it's not 'held'.

Funds still hadn't arrived after 8 hours... But IstDirect (FD) shot themselves in the foot: The funds arrived back in my FD account late evening - it WAS held for fraud checks after all, but they cba to call or text to correct the CS previous incorrect info. or clear the stop.

And 'cos it's 'now late',
and 'a lot', it... 'won't/can't go'. 
So I have to press the CS to try smaller payments ...
and the 1st of 3 £10ks has just arrived in Chase. 

ETA - all arrived now, leaving me daily limit headroom for tomorrow.

FD - Nil points for service - you've slipped.

I had a similar experience with HSBC.

£1 arrived safely, follow up £10k didn’t arrive. Contacted HSBC through the app to check payment, they said it’s gone through fine and not being held up by any checks. Then a few hours later after that, HSBC text me to say fraud has been detected and to phone them, as it was out hours I couldn’t phone them but they proceeded to suspend my account.

Hopefully I’ll be able to sort today.

I'm having same trouble with HSBC too, sent my £1 test which was fine, then delayed fraud alert messages, and now completely locked out of online banking! 40 minutes on hold this morning so far...... Had the same yesterday and they told me further transfers would not be blocked as I'd now confirmed it was legitimate, yet here I am again. Tempted to up sticks and abandon HSBC altogether their customer service is appaling.

Hang in there! After 48 minutes on hold I finally got through to someone, sorted within 5 minutes after the call. I was able to transfer fine afterwards, arrived at Chase within a minute.

First bad experience with HSBC, but this bad experience has prompted me to check those switching offers!

I got sorted after just over an hour! They asked me some very strange questions which I think were hardly related to "fraud"...

Their telephone support is absolutely dreadful!

refluxer

jaypers said:

This is interesting. All of the discussion around this has made me pause before opening a Chase account as there seem to be quite a few issues being highlighted on here. I have opened quite a few savings accounts in recent weeks and made quite a few large transfers from Barclays without any issues at all. I always do a £1 test transfer first as well. Does make me wonder what is triggering the extra checks at the moment. 

I had exactly the same issue when trying to fund an Atom Fixed Saver last month - I expect many of the 'challenger banks' which top the MSE tables will be the same. It has definitely been more awkward to fund these types of accounts in recent months than it has been under similar circumstances in previous years, for me at least.

If you're interested, an initial £1 payment to Chase from Barclays went through instantly (once I confirmed by PINsentry) and a further £100 payment was exactly the same. It was a £1000 payment that was then blocked, but later released without any involvement on my part. Past experience suggests that further payments should be fine but we shall see !

shortseller09

How do you go about switching accounts from current bank to Chase i.e. all the debits, salary etc, doesn't seem to be any option on the app?

refluxer

gunjin said:

24 hours on and my account is still not opened with the same "we're checking the details" holding page on the app...

The hold-up could be them having to manually confirm that your selfie matches your ID ? My details took around 30-40 minutes at a (presumably) very busy time yesterday morning so I expect this was probably done automatically, without any human involvement. They should send you a notification on your phone once the process is complete.

Daliah

jaypers said:

refluxer said:

Fernastian said:

I'm having same trouble with HSBC too, sent my £1 test which was fine, then delayed fraud alert messages, and now completely locked out of online banking! 40 minutes on hold this morning so far...... Had the same yesterday and they told me further transfers would not be blocked as I'd now confirmed it was legitimate, yet here I am again. Tempted to up sticks and abandon HSBC altogether their customer service is appaling.

Before you go switching, it's starting to sound like a lot of the major banks are doing the same. I made a couple of smaller test payments from my Barclays current account to my newly-opened Chase account yesterday and each had to be authorised by 'PINsentry' within the Barclays banking app (which has been normal practise in the past) but a third, 4-figure sum was blocked that afternoon and only released in the early hours of the morning. In the past, a couple of successful, authorised payments would have been enough to prevent anti-fraud measure kicking in for larger payments, but not these days it seems. Thankfully, Barclays at least don't seem to lock you out of your online banking, however I wouldn't want to test this by making too many large, successive payments !

This is interesting. All of the discussion around this has made me pause before opening a Chase account as there seem to be quite a few issues being highlighted on here. I have opened quite a few savings accounts in recent weeks and made quite a few large transfers from Barclays without any issues at all. I always do a £1 test transfer first as well. Does make me wonder what is triggering the extra checks at the moment. 

You can thank the so-and-sos who still keep falling for the scammers who ask them to transfer money to a "safe" account, and the recently introduced policy that banks must reimburse the victims. So banks have now massively increased their checks.

It's nothing at all to do with Chase.

Daliah

shortseller09 said:

How do you go about switching accounts from current bank to Chase i.e. all the debits, salary etc, doesn't seem to be any option on the app?

Manually.

They aren't part of the CASS switching service. Bit of a bad omission on their part, but a manual switch isn't too difficult.