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How actually slow is a faster payment from Coop Bank?! (Solved) held as possible fraud.
I have made a Faster Payment (account debited) and following day beneficiary confirmed non receipt - captured by the fraud prevention algorithm but no notification to me. More recently I used my debit card with pin to pay for an expensive item - declined. No notification to me. I called the bank an hour later and was put through to fraud team. Long story short I have to suck this up and nobody knows if and when payments will be declined. Oh and the debit card was disabled until I called the fraud team. After many decades its time for me and Co-op Bank to go our separate ways
That was the reason I ended up switching away after their bonus was completed, a 1p test transfer was blocked which was fine, it was to my own account but new, but then they blocked the exact same transaction twice more, each time doing the same stuff on the phone for fraud checks
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
