We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Nationwide Credit Card

I'm sure I posted this earlier but seems to have disappeared with no reason why.

Anyway. My card was declined yesterday and decided to check it. High bill required to pay which made no sense, nothing showing on transactions. Called them, they claim its because I didn't pay last months bill.

However, speaking through this with them you can clearly see me paying it from last month, however, their banking app appears to have picked a random account number and sent the payment to that instead.

I said when you do an internal payment transfer this isn't possible. You pick your debit card then "Another Nationwide account", pick your credit card and it transfers. You'd have to be really stupid to actually type in the random account number to mess that up.

Waiting for them to do an investigation but I wonder if others have been hit with this banking app bug.
«1

Comments

  • All a bit confusing.

    Can you repost more succinctly?
  • km1500
    km1500 Posts: 2,563 Forumite
    1,000 Posts Second Anniversary Name Dropper
    you can pay your Nationwide credit card by logging onto the app and choosing to transfer money from your debit card to your credit card 

    the OP appears to have done this but the money appears to have gone from their debit card to somebody else
  • What does it show when you click on the actual transaction within the app? 
  • steviebuk
    steviebuk Posts: 148 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    km1500 said:
    you can pay your Nationwide credit card by logging onto the app and choosing to transfer money from your debit card to your credit card 

    the OP appears to have done this but the money appears to have gone from their debit card to somebody else
    Yep, that's what's happen. Its clear by the transaction that I was paying off the card as it was the exact money to the pence that was required.

    Instead of showing it going to my card it just shows someone's account number and that's it, no info next to it. What's worrying is the fact the customer service had to ask me what I could see, why couldn't they see that their end unless he was seeing it different his end. I'm curious if anyone else has been hit with this recently and its a bug they are keeping quiet.

    Will be looking to cancel it after this and moving banks I think.
  • steviebuk said:
    I'm sure I posted this earlier but seems to have disappeared with no reason why.

    Anyway. My card was declined yesterday and decided to check it. High bill required to pay which made no sense, nothing showing on transactions. Called them, they claim its because I didn't pay last months bill.

    However, speaking through this with them you can clearly see me paying it from last month, however, their banking app appears to have picked a random account number and sent the payment to that instead.

    I said when you do an internal payment transfer this isn't possible. You pick your debit card then "Another Nationwide account", pick your credit card and it transfers. You'd have to be really stupid to actually type in the random account number to mess that up.

    Waiting for them to do an investigation but I wonder if others have been hit with this banking app bug.
    The two options are there: How to pay your credit card | Nationwide

    If you entered any account other than 00001604 then it should either not allow it or bounce back as that sort code (073012) is for their credit card services only. 
  • steviebuk said:
    I'm sure I posted this earlier but seems to have disappeared with no reason why.

    Anyway. My card was declined yesterday and decided to check it. High bill required to pay which made no sense, nothing showing on transactions. Called them, they claim its because I didn't pay last months bill.

    However, speaking through this with them you can clearly see me paying it from last month, however, their banking app appears to have picked a random account number and sent the payment to that instead.

    I said when you do an internal payment transfer this isn't possible. You pick your debit card then "Another Nationwide account", pick your credit card and it transfers. You'd have to be really stupid to actually type in the random account number to mess that up.

    Waiting for them to do an investigation but I wonder if others have been hit with this banking app bug.
    I have banking app bug, too
    This is just my luck
  • steviebuk
    steviebuk Posts: 148 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Come to embarrass myself. I've looked at the "bug" again, maybe I can search for that account number. I do, it comes back as a Nationwide one, so they must of sent it to another Nationwide account. Odd.

    I keep looking at my screen and because I never have any money in my old cashbuilder account I didn't spot it. Idiot me had sent it to my cashbuilder card instead of credit card. Annoying part is for some reason in the logs the cashbuilder card just shows the account number, the others have a name next to them when you transfer.

    Odd that customer service couldn't see this on the phone yesterday. I've asked if they can knock off the interest as a good will gesture as, granted it was my fault, but it can clearly be seen I was paying it, just sent it to the wrong account. They've refused. Annoyingly I think its been put on my credit history as a missed payment.

    I think I'm going to look at moving banks anyway. My partner said years ago she missed a payment for her Lloyds card, they texted her the day after it was due. She paid it and asked them to remove the fee so it doesn't show up on credit check and they did. Nationwide however are refusing. I might put in a complaint as they never bothered to text me on the day to say I hadn't yet paid, its as if they wait for you to miss the payment so they can make a little extra with the interest.

    Yes, all my fault but still. Paid it now.
  • Nationwide always text me the day before if I’m about to go overdrawn or anything. I have a direct debit to pay my credit card, but I’ve found their customer service to be pretty good. 
  • steviebuk
    steviebuk Posts: 148 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Nationwide always text me the day before if I’m about to go overdrawn or anything. I have a direct debit to pay my credit card, but I’ve found their customer service to be pretty good. 
    I never get anything for my credit card. They never text me that I haven't paid it the day before, on the day or even after the day. Was only until they put a block on the card that I realised.
  • steviebuk said:
    Nationwide always text me the day before if I’m about to go overdrawn or anything. I have a direct debit to pay my credit card, but I’ve found their customer service to be pretty good. 
    I never get anything for my credit card. They never text me that I haven't paid it the day before, on the day or even after the day. Was only until they put a block on the card that I realised.
    Might be worth checking the settings for your alerts in the banking app?
Meet your Ambassadors

Categories

  • All Categories
  • 346.7K Banking & Borrowing
  • 251.4K Reduce Debt & Boost Income
  • 451.4K Spending & Discounts
  • 238.9K Work, Benefits & Business
  • 614.4K Mortgages, Homes & Bills
  • 174.8K Life & Family
  • 252.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.