HSBC security , for those with cognitive issues, etc

Articulate25
Articulate25 Posts: 67 Forumite
Tenth Anniversary 10 Posts Combo Breaker
edited 12 March at 3:41PM in Budgeting & bank accounts
HSBC security , for those with cognitive issues


In their wisdom, HSBC asked millions to change their mobile app security code last week,  had been successfully using mine for years: now changed, have completely forgot it and also, password, (forget i even had one) I went through telephone security, i also couldn't remember sec/code for that.

Now have to go to 'branch' (where?, they are all closed!) they want ID, have that, statements, , should be able to answer some security questions, but don't have any printed statements, except for social services account, above only asked for current,, natch, I certainly wont have 'digits' from my security numbers.

HSBC has gone over board on security recently, did got 50 off them for one intense review, its Kafkaesque...
Anyone know the process in branch

Comments

  • Nasqueron
    Nasqueron Posts: 10,491 Forumite
    Tenth Anniversary 10,000 Posts Photogenic Name Dropper
    I'm not sure this is overboard, as far as they know you don't know your security code, password, telephone security so yes they need to prove your ID and that you are who you say you are.

    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.

  • deinoflex
    deinoflex Posts: 76 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    I had this, but when it asked to change the security code it said you could keep it the same as it was previously. So I did. I assume they're doing it in advance of requiring the code more often. I saw something about them doing an app validation of online purchases I think.
  • Rich1976
    Rich1976 Posts: 672 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Companies processes for ensuring they are talking to the account holder can be both a blessing and a curse, however from what you’ve said, you’ve failed security and they have no way of knowing that you are who you say you are.

    how would you feel if some one fraudulently got hold of your bank details and managed to access your accounts because the bank hadn’t been vigilant?

    unfortunately if they have asked you to go to a branch then this is what you will need to do, even though it is a hassle. They haven’t closed all their branches so you should still be able to find one hopefully reasonably local to you. Their website should tell you where they are.
  • I have to agree with the OP, I've found the login system for HSBC far to complicated, with varying different online passcodes, pin numbers, a separate telephone banking pin...I've only had my credit card for 3 months, and i've yet to successfully log into my online account, without being locked out, and having to call the helpline to get it reset. 

    I have a few credit cards, and an online only current account provider, and never had a problem with their logins as they are all far less complex.
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