Husband receiving text alerts about my account

born_again

J3n1720 said:

Thanks, I think the main issue is the fact that information which should be private, isn't. The issue isn't financial loss, it's about security. Banks tell you not to share your information and they're sending out codes to access my funds as well as account balances. My husband and I are together but that shouldn't matter. Finances should be private between the bank and the holder of the account. My contact details have been checked in branch and on the phone and my number is the only one listed so it's quite concerning. 

You are right it is a security breech. As it is your account & not your husbands & he has no right to even know you have this account as far as the bank is concerned. 

Might get you a few £ as it is a pretty big error.

Do you have any live accounts with them other than this CC? 
If you do then, I think they need to check other accounts as something could not be connecting as it should & is picking up a old number on another system.
If not then maybe they need to delete any contact numbers from old closed accounts.

J3n1720

Thanks for your response. The credit card is the only product I have with them and my husband doesn't have anything with them at all anymore and hasn't since about 2018. 

eskbanker

J3n1720 said:

Thanks for your response. The credit card is the only product I have with them and my husband doesn't have anything with them at all anymore and hasn't since about 2018. 

Is this card with Lloyds banking group, or a similar group?  I seem to recall posters experiencing unexpected data-sharing across LBG brands, and also retention of old contact details (can't recall if that was them too)....

username

Who is the bank in question?
Has your husband ever held a product with that bank and given his mobile number?
Have you ever shared the same mobile phone? (quite common in the days when they were very expensive)
Have you ever held any joint products in the same banking group?

This similar data sharing/over-writing does happen within banking groups. Cases in point, in my personal experiences below:

I have had a long-held Lloyds account and applied for a Halifax credit card some years ago.

All of the details from my Halifax application were one day randomly over-written into the Lloyds side. The only way I knew is that I started receiving emails from Lloyds on an address I had specifically set up for Halifax. I had never given that specific email address to Lloyds.

I have also been with First Direct for decades and recently opened up an HSBC UK account.

I applied for a savings product with First Direct recently and they were able to quote verbatim the exact details of the salary and organisation I had given to HSBC UK. I had never updated First Direct with details of my new job - I mean who does tell the bank they do?!

It seems there is some sort of data sharing across banking groups to match a client's details across the divides.

Whilst I am not particularly against the idea it no doubt means that duff details can be transferred across if they are outdated.

How these mechanisms determine what type of data is over-written I do not know, but I can  only surmise that the application they run is programmed to do "if (Mobile number) field is empty on Profile A, fill in with number on linked Profile B asd more recent" so they have a number.

fifeken

Two possibilities I can think of:

1)  Your phone is set to forward text messages, but then you'd both be getting them and you haven't mentioned that.

2)  Your husband had the same mobile number when you had the joint account and mortgage years ago and somehow that's being used as your contact number.

A recent thread elsewhere ended up with a guy who wasn't receiving SMS OTPs found that they were going to a mobile number he set up for a short term visit to the country a few years ago.  Somehow it had become the default, and even though he couldn't see it anywhere in his on-line banking, it was still on the bank records and had found it's way to the top of their list of available numbers and was being used when they tried to contact him.

As mentioned above, it needed call center staff to help find and fix this, branch staff couldn't.

prowla

I once had a work phone and was receiving text alerts from the person who had it before me's bank.

I tried calling the bank and they said they couldn't change the settings without instruction from the account holder.

The company was a bit of a dead-loss anyway and I didn't stay long.