LLyds bank Suspect fraud.- They want me to go to branch ! HELP!

ranciduk

eskbanker said:

ranciduk said:

I was asked to go in branch once 

i turned up with passport and statements etc etc 

I sat down and the guy just asked my for a bank card and my PIN number 

as it was correct he never bothered to asked to see any of the ID info I had brought!

He just said nah, doesn’t matter 

A bank employee asked for your PIN, you told him and he 'confirmed it was correct' - just to be clear, was this all verbal, or were you putting the card in a reader?

Yeah sorry he didn’t ask me for the pin, I swiped it and entered it myself without him seeing!

friolento

wmb194 said:

SevenOfNine said:

Lloyds seem to have a bit of a 'thing' going on at the moment. I closed a savings account with a different organisation on Sunday & closure funds £7k have to go to our linked bank (Lloyds). On Tuesday it arrived there & my husband logged in to transfer the funds to a different savings provider (better interest).

A message popped up to say transfer blocked & gave a freephone number to ring FRAUD DEPT.  The guy explained why this was happening, went through so many questions I was laughing, sounded more like he was checking husband didn't have DEMENTIA. "Date of birth, how old are you now, what month was your wife born, is the account you're transferring to new or have you used it before".  

I hoped he wouldn't ask who the American President is, as we were binge watching the series The West Wing for the 3rd time & husband was likely to say President Bartlet (played by Martin Sheen)!

Clearly passed all 'checks' & he released the transfer. I wondered if money laundering was being monitored, £7k in then straight back out? Or maybe we were on a 'list for the gormless' seeing as I fell for a scam a couple of months ago.

It's very difficult to know why some transfers are selected and others aren't. Yesterday I received a slightly larger deposit than that and quickly transferred it out without any issues.  

It’s a hallmark of a good fraud detection system that we cannot detect a pattern for when transactions get pulled up for extra checks. If we could predict what is getting stopped, the fraudsters and money launderers would have a field day and develop ways to circumvent the checks. 

Grumpy_chap

SevenOfNine said:

£7k in then straight back out? Or maybe we were on a 'list for the gormless' seeing as I fell for a scam a couple of months ago.

I would have thought that "fell for a scam recently" must raise your watch level for any other transactions outside your normal pattern to be paused.

SevenOfNine

Grumpy_chap said:

SevenOfNine said:

£7k in then straight back out? Or maybe we were on a 'list for the gormless' seeing as I fell for a scam a couple of months ago.

I would have thought that "fell for a scam recently" must raise your watch level for any other transactions outside your normal pattern to be paused.

Yes, I'd have thought that might be possible (& acceptable), but a week before this 'queried' transaction of £7K, I'd done something similar with £30K! Moved it from a joint savings a/c, into Lloyds, then out again to a savings a/c in my sole name. Nothing out of the ordinary happened with that.

I agree with wmb194, & I've no problem with random checks, & Lloyds were hugely efficient when I was stupidly scammed. 

I wonder if Lloyds have had complaints at people having to go to the bank with ID (particularly with branches closing down), transfers could take days, not everyone can just drop everything & go to the bank (or feel worried like OP). Perhaps they've set up a faster phone option, but with a whole lot more 'questions' being asked.