I just got a phone call from some woman apprently on behalf of HSBC bank saying she needed to rectify a situation with my account. She asked for my date of birth and postcode to ensure she was talking to the correct person. Now this happened before when my account details had been stolen and I was spoken to by a lady obviously from an Indian call centre...... I rang bank security and this was apprently the case. This time , however, the lady was a posh English sounding woman and when I questioned the safety of providing my information she said she would refer it back to the bank and hung up. I checked for a caller number but it said 'no number.'
What should think, she refused to offer any information about the 'issue' .... in retrospect I should have offered a wrong DOB and post code to see if she was Phishing !!!!
Anybody else had anything similar ?
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There are 10 sorts of people in the world, those that understand binary and those that don't.
I never give my details out on the phone, I had a call from 02202 the other day claiming to be O2 and asked me to confirm my name + date of birth I told them that if they're calling me they should tell me what the call is about other than just something to do with my account, and the guy laughed and said "it's only your name and date of birth, can't do much with that can I", after that I just told him to send me it in writing and he said "fine bye" and hung up...
I don't trust all these calls, especially if they don't even know my name when they call
Never had any from the bank etc though but there is a lot it going on so I can't blame you, the details thing is a good idea, I might go for that one next time.
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Ive had these before as well, people calling claiming to be from my bank. So far, never had a phisher, all calls have been legitimate calls, but theres no chance im ever going to divulge that information to some unknown person/robot over the phone. Hell, I dont even put my correct DOB on forums, and rarely use my real name on them either.
I always tell them I will call the published number and talk to them, it costs me a phone call, but Id prefer to know its getting through to the proper people over trusting an unknown caller with my details any day.
Well I found a number for HSBC, rang them to check if it was a legit call and told them what had happened ( after a massive wait on a premium rate number). Was told that there was no problem with security but it is standard to ask for date of birth and post code and it was probably a phisher...... Anyhoo, whilst on the phone I recieved another call FROM the number I had just rang with a message saying CALL BACK... ( the number was still withheld but the voicemail verbally recorded the number, after another bloody lengthy wait I got through and apparently there was a problem with a large cheque I had recently written for some secondary glazing. I wish the bloody banks would sort their arses from their elbows as they clearly have no idea !!!!!!
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There are 10 sorts of people in the world, those that understand binary and those that don't.
Whenever I have had calls from people like credit card companies who start by asking questions to confirm my identity, I always respond by asking them to confirm their identity first.
They are totally thrown by this, and seem to have no way of responding.
I have had exactly the same problem with legitimate calls from banks. They want to establish your identity (eerh, didn't you ring me? ) but are completely flummoxed if you ask for proof of who they are.
Quote:
We will never ask for security details in an unsolicited email
but they will with an unsolicited phone call...
Dave
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My personal opinion is not necessarily AVF policy.
gave my colleagues at work a good chuckle a while back when some woman from Egg called me. I know the call was legit because of what was going on with my c/c at the time, but egg were one of the biggest supporters of the 'we wont ask you for information unless you call us' system and I felt it very poor customer service. So, I asked her why she was asking me for proof of who I am when she is calling my number, she gave the obvious 'its data protection act rules' (which I know extremely well working for an energy supplier), so I said not a problem, please tell me the 4th, 8th and 10th numbers on my card and the middle number from three on the back and I'll answer any of your questions. She obviously said 'i cant' so I tore a strip out of her.
Normally, I dont harass call centre workers because I've done the thankless and know how it works, BUT, this is my flippin financial details at stake here and she should know better and tell her bosses that it is wrong to phone and ask for information. They should just phone and say can you please call us back to discuss your account.
I'm betting that the reason they do this tho is so they can mark your account as someone willing to divulge personal information to anyone who calls you. That way, when fraud is commited on your account, they can wiave responsibility for protecting you by saying 'sorry, but we have it on record that you give you security information to anyone who asks and therefore we cant provide you with compensation'.
barlcays fraud rang me the other day to check my card hadn't been comprimised and I thought they had a good way of doing it. It was a robot and they read you 5 dates of birth and you had to chose which one was yours to confirm who you are, the chance of a pisher being able to do this are pretty much zero. If you get this right the robot reads you your last 5 transactions and if they are all you then you press a button and your card gets reactiveated, if any of them arn't you then you get put through to a real person.
I thought this was great, proactive immediatly (well 5 mins) after my card was declined my mobile rang to do this.
I think I'll use the multiple dates of birth thing with humans in future as a way to check they really do already have the information, not sure if they will be willing to do that though.
I never give such details over the phone to anyone. Tho I'm too with HSBC and have had some calls from a 08 number which once Googled has been confirmed to actually be HSBC
barlcays fraud rang me the other day to check my card hadn't been comprimised and I thought they had a good way of doing it. It was a robot and they read you 5 dates of birth and you had to chose which one was yours to confirm who you are, the chance of a pisher being able to do this are pretty much zero. If you get this right the robot reads you your last 5 transactions and if they are all you then you press a button and your card gets reactiveated, if any of them arn't you then you get put through to a real person.
I thought this was great, proactive immediatly (well 5 mins) after my card was declined my mobile rang to do this.
I think I'll use the multiple dates of birth thing with humans in future as a way to check they really do already have the information, not sure if they will be willing to do that though.
Barclays has some of the most stringent security for online and phone calls of any of the banks.
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) but are completely flummoxed if you ask for proof of who they are.
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