NatWest debit card I didn’t apply for

arcadia1980

I’ve just got home and have a NatWest debit card I didn’t apply for. I need to report to their fraud team but their automatic number asks for account details I don’t have because it’s not my account. How can I get in touch with a human urgently?

eddddy

I think you have to call their customer services number during specific periods, if you want to speak to a person. (Maybe something like Mon-Fri 8am-6pm, Sat 9am-4pm) 

Outside those hours, I think it's only an automated service.

I don't think anything irreversible could happen, if you can't speak to anyone before Monday.

 

Eyeful

1. Try ringing 159. The banks set this number up themselves to make it easy to report frauds and scams. 
Worth a try at least.

2. Does this debit card have the account number printed on it. Mine do.

EssexExile

Are you using the phone number on the card? If I lost my card while out and about I wouldn't have a clue about any account details.

arcadia1980

eddddy said:

I think you have to call their customer services number during specific periods, if you want to speak to a person. (Maybe something like Mon-Fri 8am-6pm, Sat 9am-4pm) 

Outside those hours, I think it's only an automated service.

I don't think anything irreversible could happen, if you can't speak to anyone before Monday.

 

I have just checked my credit report and there are two searches from NatWest for loans now appearing from 2 and 3 days ago saying “ NATWEST LOANS (USING EXISTING CARDS” so it appears loan applications have been made as well using this card I didn’t apply for. So it appears urgent

arcadia1980

Eyeful said:

1. Try ringing 159. The banks set this number up themselves to make it easy to report frauds and scams. 
Worth a try at least.

2. Does this debit card have the account number printed on it. Mine do.

Unfortunately 159 doesn’t seem to be any better

they gave me a debit card number but it needs a pin I didn’t set up

arcadia1980

EssexExile said:

Are you using the phone number on the card? If I lost my card while out and about I wouldn't have a clue about any account details.

I don’t know what number is setup as it doesn’t say on the debit letter

arcadia1980

This is actually crazy that I’ve discovered a fraud debit account and also a fraud loan application and I cannot report it for another 11 hours

pecunianonolet

Natwest phone numbers



https://www.natwest.com/fraud-and-security/report-fraud.html

You should be able to speak with somebody and ask them to block the card/account in the first instance. Ask them to provide you with an incidence number and take if needed the name of the operator. If they are reluctant, raise a formal complaint and ask for the reference number. Note down date and time as calls are recorded so you have some sort of evidence that you made effort to report it. 

They would also need to remove the data from the CRA and you can dispute it with the CRA too. You can also report it to https://www.actionfraud.police.uk/

I guess as log as you can proof that you made an effort to report and resolve it in a timely manner nobody can accuse you of not having taken action.

35har1old

Eyeful said:

1. Try ringing 159. The banks set this number up themselves to make it easy to report frauds and scams. 
Worth a try at least.

2. Does this debit card have the account number printed on it. Mine do.

I don't think Nat West cards do.
Name of account holder only

maxximus75

It seems it is your account…. Use the details off the received card.