This should NOT be happening!
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- Опубліковано 7 кві 2024
- This was an utterly frustrating phone call with the bank that goes against all common sense and guidance to avoid scammers and fraudsters!
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U raised excellent points! & u have the same issues in the U.S!
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@@jerryoshea3116 It's your wife isn't it? 🤦♀️ I'm such an idiot 🤣
@@willlyons9823 You've lost me?
I have had that stalemate conversation several times, my response was, i will call my branch or call in. The day they do away with branches is the day we are fluffed.
There's still the secure messaging system on the website or the app. If you access the website, make sure that it's actually the bank's website and not a dummy. The fraudsters imitate the bank websites, too. I never click on the sponsored link on google anymore. Those are most likely to be the dummy site, in my experience.
Sadly that day has come 😔
We are fluffed. I live midway between two market towns whose banks have been closed.
In the good old days you would have just popped along to the local branch of your bank and demanded to see the manager. Progress is wonderful.
Exactly, they have made a rod for their own backs
Absolutely and this should today be re-instated as its much safer and secure, Well said
Quite right! If you walked into a bank, you could be sure that everyone behind the counter was a bank employee, so you could trust them. Plus you could talk in strict confidence to the manager in their office. Now it's all faceless and distant...
@@cashtimevideo1501 and they spoke & understood the same language. I don't trust call centres at all, as they may be contracted, and contracted firms usually represent more than just the company they're talking to you on behalf of. That data on the screen in front of them, can easily be copied for devious means.
@@cashtimevideo1501 you can still go to your local branch, no one is stopping you from doing that
I experienced this a few years ago. I was in the city centre shopping so ended the call and went to my bank. I won't ever hand over personal/PIN numbers to anyone online and would prefer to end a call and visit the bank in person. The trouble is that they are closing branches which limits face-to-face verification.
BEST ADVICE EVER.... AND ALSO SETTING AN EXAMPLE YOURSELF BY PRACTICING WHAT YOU PREACH AND STICKING TO YOUR GUNS....
Yes! Many thanks!
I agree completely. The only time I will give 'security details' to the bank, on the phone, is when I contact them.
Elderly mum has been getting scam phone calls for years and she handles them like this:
- Stay SILENT
- WAIT for caller to speak
- DO NOT volunteer ANY information
- Tell them to send a LETTER as if the call is genuine then they should have the address in their records. DO NOT GIVE/‘CONFIRM’ ADDRESS DETAILS
Letters never arrive
Scam calls less frequent
We let the phone calls to the landline go to voicemail. Answering the calls is a nuisance. We do get calls coming to our cellphones pretending to be from the Chinese consulate. They want me to press 3 to speak to someone in their call center.
Do you think your mum might be interested in filtering out some of my scam calls?
When they're insistent, I also say put it in writing and send me a letter. A genuine letter won't have stupid mistakes somewhere.
You could confirm the 15th the 21st and last digit of your address:-)
I have had this kind of scenario with my mobile network supplier numerous times. Also once with my bank concerning potential bogus card transactions. I no longer answer unrecognised numbers which is a sad reflection on the era. I get the feeling we are being ever herded like sheep, towards biometrics and identity cards. All for our security of course.
My mother who has dementia had these calls daily, they even send her a machine to put her pin number in! I took it to the police who had never seen anything so blatant!
Unbelievable!!
Just wanted to say my mother also has dementia and I know how awful it is to watch someone go through that. I wish you and your family all the best.
This is exactly the same boat I'm in with my grandmother.
I have managed to get through to her fortunately, and instilled the following directives.
1. The bank will never call you and demand your account details over the phone as proof, if you are ever in doubt that your account may be compromised, phone the number on the back of your bank card.
2. If someone calls from Sky, BT, Barclays etc. offering a great deal, just hang up. If there is a great deal out there, you can guarantee that it has been advertised everywhere except from cold calls.
3. If you have a vulnerable family member who may be at risk of being scammed, please tell them to hang up no matter how legitimate they feel it may be.
I have managed to get my gran to call me for any potential scam calls that she has received, and I've reverse searched the number every time. It is scary when I tell you that %85 of those calls were not legitimate, but fortunately I have managed to show her how to remain vigilant of scammers.
First rule of scam checks.... If it sounds too good to be true, or feels slightly suspicious, just hang up.
@@joelhall5124 I'm guessing that she recieves a majority of these calls on a landline (apologies if this is wrong, just want to offer advice).
I got a landline for my grandmother that has the ability to block scam calls, however it takes some patience to educate the recieving person how to defend against scammers.
I visit my grandmother frequently and check the received calls that she has, then proceed to block the malicious ones. It really makes my blood boil to see the amount of scammers who would happily take money from an elderly widow.
Education is key in these circumstances, every call should be treated as suspicious (yes, that's sad, but unfortunately that is the current climate of today's scam recipients).
I hope you can find a way to keep the scammers at bay, please feel free to ask me for any tips, as I've managed to keep my grandmother (who also has dementia), free from the onslaught of scammers.
Unfortunately, once someone falls for one scam, they will be harassed incessantly. Would be a good idea to change her phone numberz
“Confirm” is the same as “reveal.” This is what we tell my elderly mom.
Wow that’s powerful - really good way of thinking about it.
I must remember that ... thank you!
That's good advice
One additional point: Don't call the bank on the same line they called you on, especially on a landline. This may have been fixed now, but fraudsters would keep the line open and play a dial tone leading you to believe you're initiating a new call to the correct number when it's still the connection to the fraudster.
Yes, advice is to put the phone down, then wait a while and call someone you know. This will close their open line down until they call again!
Afaik this has indeed been fixed in that when you hang up the line now, it disconnects almost immediately
Better yet use a different phone, e.g. another family member's smart phone
I phone my mobile phone but don't pick up to check they have cleared the land line. (I have an inclusive package with one and not the other).
Never answer yes on the phone.....thats all they need....
I've had these circular conversations with banks. Most annoying.
Two things I do check my bank balance every day, and my bills are up to date and don't answer any phone numbers that are not in my contact list, job done.
Problem with the latter one is if, and this happened to me, somebody is calling to say a relative had been taken to hospital and you are listed as a contact.
If it was a genuine caller they usually leave a message/VOICEMAIL
I never answer a call from a number not in my contacts list. The caller can leave a voicemail if they need to and I can decide whether I call them back or not.
The truth is that Banks don't really protect their customers. The advice they provide is to protect themselves in the event that a customers account gets compromised so that they do not have to compensate the customer.
If they ask the question, as customer and skilled Barrister, you just point to the regulations in their terms and conditions and explain that you cannot do that. Then bring it to the attention of their fraud and financial crime department. All Banks will have them.
Good idea.
This is why it is disgusting and dangerous that Banks are closing up and down the Country, if anyone is in doubt especially older customers it is essential everyone should be able to go to branch…for security, online Banking is far from efficient or safe. Thanks Daniel for your diligence and explanations. Personally I hate on line banking.
Exactly this! Been saying for months that banks should NOT be closing
@@gypsygem9395 Banks have no obligation to keep branches open. They are businesses aiming for financial profits, Bank branches are now just liabilities, the big banks no longer need.
I think the Nationwide Building Society has vowed (for what that’s worth) to keep its branches open. If you are in the UK
@@patriciamoffat1542 perhaps not Patricia, but it is us the consumer who made them ‘rich beyond their wildest dreams’ who they have betrayed…what a stitch up.
@@vanessabrooks8656 I'm sorry but banks don't just depend on customers with their current and savings accounts. There's much more business involved within banks than a reliance on ordinary customers using local branches. If the banks relied on local branch customers, they wouldn't be closing ,High Street bank branches.
Ive had a company call me up out of the blue, telling me my name but then asked me for more details for " security reasons" told them straight off, im not going to give you any details for that very reason, security. Then they tell me well cant access my account. Told them, i dont know you are who you say you are. Im not telling you anything. Constant go around, i just put the phone down.
Happened to me today 🙃
> Then they tell me well cant access my account.
If you can't acess my account:
1) How did you get my details to call me in the first place? = Please don't lie to me.
2) Why would you call me if you haven't accessed my account, so wouldn't know there was something you felt you should call me about? = You sound like a scammer.
When I get a call like that, I usually let it go to voicemail and then call the bank myself to verify if they actually did call me.
I tried that recently and was told I was in a massive queue to be attended to.
Thank you so much. I am sick of the same thing.
Tell them to put their query in writing. 😂
when bank workers are working from home, I have no idea who else is in the room with them when I call them , more importantly if they call me. who else is able to see and hear my secure responses if that bank worker is not in a secure working situation?
Or even hidden listening equipment placed by unscrupulous persons who might have access to their home office.
Remote working doesn't necessarily make the call any less secure.
The workers are using bank provided hardware.
They can't just decide to select speakers as an audio output, or plug in an unapproved headset.
Yes my 90year old mother of sound mind is bombarded by scammers over her landline - the only tech she has - it sends her into a right tizzy and causes her so much stress - each time she receives a call she gets a taxi to her bank to check all is ok - it’s a £20 round trip which is a huge sum to her. It all started when her pension history data was stolen from Capita last year I think - she had a letter from Capita confirming hers was one of thousands in the UK stolen and there would be no redress- shocking how these people can affect someone’s health & wellbeing with no culpability
If she has an old phone can you still get an answering machine? This way she could just pick up if she knows the caller. You could vet the suss calls for her peace of mind.
I bought a BT landline that was programmed (out of the box) to filter scam and harassing calls. You can put in your own contacts’ numbers and they’ll get through straight away. Unknown numbers have to give identity (by voice) and then it rings and plays whatever they’ve said and you can accept or decline the call.
It’s saved me countless stressful encounters in the years since I got it. Now just need to set up a similar thing in my iPhone!
Thank you Clare I’ve never heard of that - I’ll start my search now x
@@clarewillison9379 My mother bought one of those call-filtering phones. (To clarify - you buy the phone and plug it into your landline.) We put a list of phone numbers (family and GP surgery mostly) into its contact list, and only those numbers can get straight through. I suspect it would be possible to spoof one of those numbers, but the scammer would have to know which ones are on the list.
One catch is that automated calls won't be able to get through, which means you can't use the phone to receive access codes (e.g. for internet banking or purchases) unless you know how to disable to filtering temporarily. Also there's a risk that genuine calls (e.g. from a hospital or bank) won't get through if either the caller or the recipient fails to navigate the identification process correctly.
Also, I don't know whether these phones will work with VoIP telephony, which is being rolled out across the country. Hopefully they will.
BT do a phone with built in call blocker, available from Argos.
Lodge a formal complaint and have them explain why they are breaching their own advice, if it is them.
I had two separate calls to my mobile where the person asked for me by full name, the first person wanted to talk to me about damage I had reported to my car, nothing had happened to my car. The second person said he was doing a survey and asked my age and if I lived alone, I didn’t answer them but asked him what the point of his survey was and he got really angry demanding I answer his questions so I hung up and blocked the number. Weirdos.
> Weirdos
I love that, it's my attitude to humanity writ large. "You're all weirdos to me, until you prove you're not".
@@davetdowell Calling someone a weirdo in Scotland can get you a police visit.. how nuts is that.
When I used to get phone calls from a call centre in Dubai and was asked “hello Mrs xxxxxx and how are you today? Well I would go into a list of ailments ..rambling!😂😂😂😂they hung up. But it made me so happy! 😂😂😂 great advice.🥰👍👍💕🇬🇧🐶🐶
As a self-employed joiner this is exactly why I deal in cash, card and transfer only.
If you get a call saying its the bank and say youll phone them back. Phone someone else first of all, the butcher, baker or candlestick maker. It ensures the recent phone call has been disconnected.
I am retired now, i did work in a bank.
I went back to a dumb phone I love it especially when bank and they say we can put an app on your phone for you, I say go on then they see the phone they look confused I walk away laughing inside.
Even carrying a dumb phone that isn't even hooked up to a carrier would work for that!! You can get then at thrift shops and if you have a charger at home (I have so many!), you can fake it!
Good idea.
Yep, got the t-shirt, the problem with banks etc. is that they are only as good as their management and my experience of same is that in the main they are simply not competent and mostly, they are incompetent.
Go to the bank to verify your account.
Exactly what I wound up doing. After playing phone tag for weeks.
Such a comfort to know its these people I've entrusted with my money.
My mattress is looking more appealing.
@@NiceLoki For the miserly interest they pay you, a hidden safe at home sounds good to me!
If only we could! But they have closed every single branch anywhere near us. Now we would have to travel into a city to get to a branch!
What bank?. Most of them don't have branches open!
So so many scams at the moment - HMRC, car tax, council tax, banks, energy companies etc. We've set a call guard on my mums phone as she was getting numerous calls every day, it was bordering on harassment
what's a 'call guard'?
@@christinestanding a safety feature. If anyone calls her from a number that's not pre approved then she can refuse it.
Hi there. Firstly, I enjoy watching your videos - I hope this is comforting to know. I'm completely with you on the bank thing. As the old saying goes, “Just because you're paranoid, doesn't mean they're not after you.”
I had the very same conversation with the bank last week. In the end all I could do for safety was insist they locked my account and send me a new card. This they did buy where are the days when we could walk into our bank and have everything certified on site?
With all the so called increased security measures how strange that more people are being scammed. I can't help but consider that much of the information obtained to scam us originates at source.
So pleased to hear this from you. It infuriates me when various “officials” refuse to supply their own ID verification. GDPR is widely not understood.
Thank you for relaying this information . I'm recently widowed and I now find these scenarios very frightening. I'm terrified to shop in line and scared to answer calls when I don't recognise the number . My family sometimes think I'm paranoid but I wouldn't be able to cope with on line banking . I'm such a technophobic and afraid I get ripped off by someone. You're the best thank you .
I never answer a call that is not in my phone contacts. I let it go to voicemail. Most of them wont leave a message so thry get blocked immedietely. If they do leave a message, I google their phone number to find out who they are. And then they get blocked.
My bank NEVER calls me. If its legit, they will post a message to your account within their website.
@bellagreens, you are NOT being paranoid! It makes absolute sense to be wary. It is your choice to bank how you like and perhaps your family should watch this video to really understand how persuasive these scammers work
It is not being paranoid to use only the services you are secure with. My sister can't understand a thing about most any technology, even a simple flip phone that can only be used to call or to get a call and she gets extreme anxiety trying to use extremely simple things. I say, she is fine. If she can't get to a store or the stores around her do not have what she needs, she contacts us or the relatives who live near her. It works out well. I give out no information over the phone and since we also have a land line, we get many scam calls. I just hang up, but it is a pain.
I have had a similar experience. I insist on face-to-face only. You can guess that they can't even do that.
I now assume that all calls from people that I don't know personally are scam calls, it is then up to the caller to work back from that position, and convince me otherwise.
The banks badly need to start employing UX designers to look at things from customer point of view
Thank you, very, VERY much, Daniel, for bringing this to the attention of a wider public. May I add, please, that this is not only an issue with banks but also with Social Services and the Care Quality Commission? Invariably, their incoming calls are through switchboards, which show as "number with-held" upon one's handset. So, spoof numbers aside, one is expected to talk to them with absolutely no indication of authenticity whatsoever. Obviously, I don't!
I've had that exact conversation a couple of times, where the bank rang me and asked me to give my security details to confirm it was me. I refused, and asked them to give me security details to prove who they were - because they had rung me so they already knew who I was, whereas I had no proof that they were who they said they were. In fact, when I rang the bank's actual number, it really was them, but they didn't give me anything to prove it.
And they want to make banking "fully contactless" 😂. They can't send a message through THEIR OWN app? These people are idiots.
Maybe it was just a bank employee scamming the customers. It happened. They can call you and ask for your details, but might not have the authority to actually send you a secured message.
@@D.von.N Many UK banks now rely on call centres that are overseas. How many times have you had trouble understanding the person handling your account? I know I have! I worry that this makes your secure information far more accessible by bad players.
When we were with BT, years ago, they'd phone and ask for payment of the invoice (we weren't on DD). I'd just ask for the amount owed and told them I'd pay by internet banking later in the day. When they asked why I wouldn't pay then, I pointed out that I couldn't confirm they were with BT. I would pay on my terms that day.
As an IT professional, I ask you how do you know that the ‘secure’ messaging system on their app is indeed secure and genuine?
It's a heck of a lot better than clicking on your bank's link on google. The fraudsters create dummy pages that look exactly like the bank's.
It should be, however, if it’s not I guess that if you act upon that message that appeared in their system, the bank would be responsible for any issues that arose from that as it’s up to them to ensure their system is not compromised.
It might not be as secure as you would like, but if that is insecure then change banks ...
@@davidioanhedges how does a lay person know that it is indeed secure? How does a lay person protect himself against phishing etc.?
@@trevorockwell8764 They don't ... where do you keep your money if not in a bank ?
This problem is so easy to solve given you have a secure communication channel using the App/Online account.
Bank sends you 2 code words using the secure messaging: Larch, Caravan (for example)
Bank then rings you and says: We've sent a secure message with 2 code words, one of them is "Larch", what is the other?
You respond "Caravan"
and now you've both validated who you're talking too.
The whole text message as a security factor is terrible, SMS is not secure, its not encrypted and easy to spoof or steal. If the only second factor of security you can add is a phone run a mile and never have a phone as a security factor on any site or bank or anything.
Exactly, I've recieved scam text. Don't believe them!
yeh I used to run a sms server my self back in uni days - some 25 to 30 years ago. its incredibly easy, and there is ZERO security. most people havent got a clue.
If I am going to have dealings with my bank, I always pop into my nearest branch. That's it, never deal with anyone on the phone or text or anything beyond personal contact. End off.... Pain in the backside? Yes. But 100% foolproof.....
good man. these days though there isnt a branch in your town, or the next town, or the town after that.
100%
@@oldfatbastad6053 Yes there is that aspect which is why banks should reopen branches and start putting faces to accounts Maybe help reduce fraud and encourage people to visit banks more.
Do you live in the UK or the US?
But if you're unfortunate enough to be in a wheelchair this doesn't work.
I live in Spain and my online bankers regularly send reminders about this type of scam.
On a personal level I NEVER answer calls from unknown numbers, that is calls from numbers not on my Contacts, what I do, is Google the number, if it is scam, then I block and delete it, if not, but a genuine caller, I call them back.
A sad indictment of our times.
i only return calls from unknown numbers if they leave a message on my voicemail......saves googling anybody.
I have had conversations with Bank callers just like this on so many occasions. I asked one for "Security" once ( I asked for the postcode. I looked it up. The postcode system has somewhere between 15 to 100 or so addresses per postcode) they hung up on me.
I did exactly the same thing. Before answering any "security" questions , I asked what the postcode of the building they were in was. Hung up.
Had the exact same issue with Sky TV about 15 years ago before a lot of this spoofing fraud was taking off. They rang me out of the blue asking to confirm some security details so they knew they were speaking to the account holder... I said , "no chance, you tell me some of my security details and I'll confirm if you are correct or not." The call ended in a Mexican standoff.
Well said.
I have had to deal with this one way security street madness for years.
They have such a one way view.
I've had exactly the same for my business account and yes they are really ineficient. Luckly we have a regional manager who I can call for issues or problems where she will resolve.
I got a very dodgy email two weeks ago thanking me for my order when I hadn't ordered anything or heard of the company. It told me to open the 'invoice' attachment. I didn't, but forwarded the whole email to the government fraud phishing email address.
Just block it or label it as spam, most apps can do this.
They'll never stop coming because everywhere we use the Internet, especially shopping, the turds have sold your data on for profit
All of this palaver is for the bank to ensure that it is your fault when you get scammed, not theirs.
Had a problem once with a supposed bank phone call. They asked for 2 letters out of my password which was my town of birth which only had 4 letters. They then said that it hadn't worked and could I give them 2 more letters. I said no because they would then know my whole password. I told them to put a letter in the post telling me what they wanted. A letter did arrive a few days later but, like you, I didn't trust them and what they were asking was against their own advice.
You are SO spot on, Daniel. The banks are all over the place with what they say and what they do.
They target the elderly. Shameful and criminal. Who's selling data.
I had one of these scam calls just last week. He was slick, confident, well-spoken and I remained on the phone until he asked me for my card details. I said no. He hung up but frankly, up until that point I really did think he was my bank! :(
Maybe the scam calls ARE coming from within the bank?
Oh for goodness sake!
5 Years ago I gave my bank a passport they MUST use whenever they ring me.
No password, call terminated.
Take responsibility for your own security.
Passport? More info…
Passport!!!!!! Really!!! I think you mean passWORD!
What if your details are hacked and the caller gives the correct password?
You'll account could be emptied and you wouldn't notice until much later.
Much better is to wait and see if a voicemail is left and call them back - (google the number and check you banks website) you know then you're definitely talking to the right people.
@@hughblack6831 Good point. I live in France and have UK and French bank accounts. The UK debit card is never used online, ever. It may be used for in-store purchases, via pin.
Yet someone in Brazil tried to use those card details. Happily, the bank blocked it. Question still unanswered: How did they get the card details? Someone managed it.
With AI becoming what it is, I can't even trust reality anymore.
😂If only people would stop banging on about AI. It's just a computer with a huge database of responses, it's, still thick as shit and doesn't have a thought of it's own.
Ignore those daft parlour tricks of the stages videos with robots saying something odd in an interview. It's all bullshit.
I rang my genuine banks up and they asked me for the 1st and 3rd numbers of my pin number I REFUSED as the banks always tell you NEVER give you're pin number out so I questioned why they was asking for it , they claimed its just part of the security process and that's when I reminded them about their own advice so they went threw other questions
Are you confusing "pin number" (Debit Card) with the customer security code,(the code you chose by yourself) (proves to bank, if you're genuine account holder. You need to prove which you are, before staff would consider telling you anything about a bank account. They need to be vigilant too.
@@patriciamoffat1542 no as I asked I also didn't have phone banking so didn't have the security code thing and YES they asked me for 1st and 3rd numbers of my PIN
@@keepinformed which pin number were they asking for?
@@patriciamoffat1542 I only have 1 pin number
@@patriciamoffat1542 I only had 1 pin number ( debit card ) and no not the 3 digit security code on back of card
Totally agree with you Daniel. I've been saying the same thing for years, not only about banks but other businesses as well - quite a few years ago when I was asked to answer security questions I told the company (I think it was one of the utilities) I refused as I don't know for sure if they were who they claimed to be.
I guess I'm lucky that I'm profoundly deaf, I can ignore any phone calls from chancers to my mobile (since anyone who knows me knows I can't pick up so wouldn't be phoning in the first place) and I no longer have a landline. If I need to contact anyone by phone I use the text relay system.
Such a simple answer to this. Whoever calls you claiming to be from a bank, tell them to send their request in writing. You'll never hear from them again.
You did absolutely 💯 right . People spend weeks and months thinking up scams . They sometimes have access to partial information that make them sound credible
The bank tell you to do this but then get stroppy when you won't confirm information. 😜😁
Im having exactly same issues with financial institutions. Not banking but another area.
A lot of people have the same problems. My mum in her 70s gets about 3 calls a day. We don't get them. Therefore, old age pensioners details IMHO have to have been given/sold by Comms companies because x directory.
Brilliant real world help from you again. Many thanks for making people aware.
My bank manager called me during covid, I don’t know him , he was asking all sorts of questions , I pointed out to him that I only have his word as to who he was & I wasn’t prepared to give all the info he wanted in a cold call , I said he could of been anyone, he got rather annoyed & said my account would be closed in 30 days . So I went to the bank’s website & download all the paperwork where they say not to give any info over the phone , I then went & had a nice little chat with the bank manager & reminded him of the banks policy . I still have my bank account.
I remove all cash from my account except monies for standing orders because I had all this a year ago with
nationwide ,remember bank employees have full access to your account they know everything about you and some unscrupulous villains sell that information
Repetition for emphasis is always worth doing Daniel
Keep up the good work, always a pleasure to listen to your thoughts.
Best
Gotta have at least three separate bank accounts.
And a safe at home with cash...can you imagine what would happen if we suddenly no longer had access to the internet??
There is a simple solution to this. The banks need to create a system that allows customers to create a one time, time limited password/ passphrase via the banking app or website which the ban k can then give the customer when they phone within the prescribed time limit
About the phone number listed in the web page, I can tell you a bank may have a very secure banking portal, but the web page could be managed by a marketing firm without much security, any new employee could just change that number in the official page and the Bank may not find out in years.
I haven't had this issue with a bank, but have come across it numerous times when dealing with Social Services, hospitals and telephone company.
Not overly fussed with the latter two, especially as one has my date of birth incorrect, but I do object with the Social.
With banks they can steal your money. With Government Departments they can steal your identity.
I’m a cyber professional and work for a bank who is also a card issuer, both debit and credit. Banks will never call you for a pin or to confirm your security information. If that happens, tell the person who called you that you want to call them back on their official line. Hang up and call their customer service line and explain why you’re calling. In most cases, they may know about these types of fraudulent calls and may have questions. In some cases they may forward you to fraud to register this in their database bec they will want to know the type of attacks being made against them. Hope it helps.
The whole point of this video is that they DO ring out of the blue and ask you to confirm your security details. I had just such a call recently. In the end I hung up and rang the number on my debit card, and YES they did have a query. It DOES happen.
SNAP. I've been through exactly the same charade. Eventually went into my local branch where they now employ gatekeepers who demand to know your name, what your reason is for going in there, and your postcode and, if you're stupid enough to give them answers, repeats what you tell them at such a volume that everyone else in the banking hall can hear it as well. To add insult to injury, they then follow up with a leaflet "Protect your data". The only solutionto this madness I can think of is getting a card printed to say your are deaf and mute. Kafka is alive and well.
In the meantime, I've taken to answering my 'phone in Welsh and insist (in very broken English) that they put a Welsh-speaker on the line - it works every time.
The number, may have been one, for a person higher up, than one we would normally speak too. Company's are another one, hard to get numbers for HR, Complaints etc.
The last 20 years of my IT career was in finance, until I resigned because there were so many well-known security holes in the systems.
Don't even get me started on 'chip and pin'.
Had an experience when a supposed bank rang me "Hello, it's the bank" they said. I have accounts at more than one bank, so I asked "which bank?" They said they can't tell me unless I answer some security questions, despite them calling me. "Not until you identify which bank you represent". "Can't tell you until you pass security". That was as far as it went. I hung up.
Had the same "argument" with banks in the past, total stupidity on the bank's part.
I have had many of these conversations with banks who think they aren't going against their own advice.
From another attorney - suggestions but you probably already considered them - if at all possible, go in person to bank to discuss matter; send bank a letter via registered mail and ask them to respond in same manner; call bank’s fraud department and seek their intervention - I’ve had to do it and said department usually understands your concerns better than general bank personnel; my bank even uses the mail system when someone has tried their PIN incorrectly 3 times and needs to reset - very frustrating but secure. Good luck! Really appreciate your discussions. Thanks.
Wheelchair users have the extra difficulty when cheerfully told to "just pop in to the bank."
I have had the same arguments with my bank. They froze my account when I refused to reply to an email asking for lots of documentation pertaining to my business. Only then did I realise it was actually from my bank. After my complaint they switched to the secure system within my online account. I don’t understand why they don’t follow their own guidelines. Who in their right mind would send sensitive documents via a link in an email received out of the blue? Not me for sure.
Its the same as Amazon asking to click a link in a txt message and when i say no they get shirty with me and say we cant go any further.........
They get really annoyed if you ask them to confirm your details to prove they are who they claim to be!
Here's an interesting story, a company I worked for, a colleague had his wallet stolen from his jacket hanging up on his office chair. He only found out when he received a call from 'his bank' saying someone had tried to withdraw money from their account at a local branch. In order to confirm HIS ID they asked the usual 'security' questions. After that they assured his cards had been cancelled and made arrangements for him to attend the branch that lunchtime to get new cards ordered. Well, as it turned out it was the THEIF who called not the bank, and now armed with all his security details they cleaned his accounts out before lunchtime!
I have given up telling the bank to use their secure message service and being told "We don't have access" or similar bovine manure.
Hence setting up a password the bank MUST use when calling me.
Its not rocket science
I feel your pain! There are organisations that I now refuse to deal with because they just don't get this stuff and therefore cannot be trusted.
Also, small charities run solely by volunteers can suffer terribly because of some of these ill-conceived security regimes because they lack the infrastructure and facilities now expected of small businesses by banks and don't want to waste the giving public's money on such things.
This is also common behaviour by Debt Collection Companies, who 'buy' old debts. Often start with asking for details, and then ask you to pay by card before you even know what they are talking about.
This happened to me the other day from Nationwide. They immediately asked for my security info. Turns out it WAS actually nationwide. Couldn’t believe it.
Please rant on! I have had exactly the same from a broadband supplier, call out of the blue requesting specific letters from my password. Obviously I didn't comply but I did joke with a friend who works at a mobile phone and broadband call centre that it was a very poor attempt at a scam. Unbelievably he said that was perfectly normal and is standard practice for the legit company. With all the possible secure ways of communication with customers if bodies continue to rely on this stupid method, surely they are complicit when customers are defrauded by scammers?
Having a 'gut feeling' that it is the bank calling is exactly why scammers are so successful. You are entirely correct for not validating your personal information, but others are not so careful.
I love it when “injury claims” scammers call to say they heard I have been in a car accident. I asked them how they came by this knowledge? They said “the police report.” I then went on to tell them very politely that I don’t drive a car, because I don’t own a car. They hung up. Never called again. Very rude 🤣
Thank you for sharing this.
Frauds are amazing.
Always wait 10 days for any checks to properly clear too.
Thankyou Daniel, just sent this video to my son, he has learning difficulties, works full time, and got scammed by someone pretending to be female and from the peace corps... i cringed too when i found out as there were too many red flags... the bank and pilice were swift to act but he still lost over 10k.
So thanks for doing numerous videos talking about this as it helps to reinforce what dad is telling him.
I raised this issue YEARS ago with my bank, they would call and ask multiple security questions putting MY security at risk. This still happens!
I've had this several times and in the end I have to hang up the call, get my bank card and call them myself from their number, whereby I'm then stuck in a phone queue for ages, so it is absolutely stupid. They called me, so they know it's my number, then ask me for details when they are a complete stranger on the phone. It is absolutely ridiculous. When are they going to realise how stupid they are being?
I'm with you! When someone calls me to confirm something or ask for a charitable donation, etc., I tell them that I do not do financial transactions or have discussions over the phone. I tell them to send me surface mail and I'll respond!
Just before Easter I wrote out a cheque for a large sum of money and deposited in my sons building society. Just after Easter I receive a phone call on the land line from the bank about the cheque - was it me who wrote it and if I did not respond by 2pm the cheque would remain unpaid. The man on the phone even had the cheque number. I refused to confirm my details and instead phoned the number on my debit card on my mobile. I even jumped in my car and went to the bank to make sure. The cheque had been cleared and was in my sons account. So, why the phone call? If it was a scam, how did the scammer get the cheque number?
Inside job at either the clearing house or the bank?
Inside job?
Absolutely the best policy, it has to be remembered that the banks only protect themselves against having to reimburse customers after they've been defrauded. They have no interest in protecting customers against fraud otherwise.
Our phone screens callers. Most come up as Unavailable or Suspected Spam. But my husband on days he is feeling ornery will pick it up answering "Detective Wilson, FBI". Yep, they hang up. My favorite is to answer in a foreign language.
What a drama it all is . One cannot trust others to be who they say they are. I am 84 , drilled by my children re these spam calls. Sometimes 2 or 3 a week
I play dumb if I answer the call , but mostly , just check the number and Not answer. Then I block the numbers.
I find this a bit of a relief as I sometimes think I was just being awkward. I always laugh and say you rang me, you tell me who you think I am, you tell me my dob, and the kicker... tell me what the call is about and then "sorry data protection we can't tell you until you confirm who you are", so I end the calls with, "well in that case this call is over" - then hang up.
I've been doing the same for the last 10 years or more having worked in digital security. Good luck getting them to change!
Good on ya! Stand your ground with those cretins! I see two things in my experience with all types of so called "Customer Service Providers".
1. The staff and even management (don't look for leaders!) have NO idea about basic security principles and if challenged to THINK about it, will bluescreen in front of your very eyes. They don't even get how their own procedure is a complete contradiction to their own advice on this matter.
2. They also do not want any front-facing / public contact, no inbound numbers, no "hassle" ..... or as it was traditionally known ... "work".
Be sure to use the website / app / phone / branch to make serious security complaints about their practices and ask for a follow up in the change in procedure they will be implementing. Frankly I'd also threaten to move my business elsewhere if they cannot close this hole.