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Post by captainconfident on Feb 15, 2024 15:47:35 GMT
I made a transfer from my account today, recipient, me, payment I made six times before. Bang! We blocked your transaction, and we lock you out of your account. Call this number: Fraud Department.
You are in a queue: 10 minutes muzak muzak Make sure you called using your registered phone number ( I was)
Long wait
Human on line. I D check
Name, date of birth.
Tell me a recent deposit to your account
I name some
What day and what amount?
I dont know these precisely. But I can tell you more or less
Need to know specific day of credit
I haven't memorised these and you've locked me out of my account so I can't check
You have failed the security check and I will not take this any further
Rings me off.
Have idea, I check my deleted emails to find some credits, get two from mid January. Call again
You are in a queue. 10 minutes.
Etc
Different person on line
ID Check. Tell me a recent credit to your account
Here is one, January 21st..
It has to be within the last two weeks.
Well I don't know anything more recent off by heart,. .. Phone goes dead, she rang me off.
You are in a queue, 10 minutes
Etc
Its the first person I spoke to.
Tell me a credit
I don't know a credit.
You have already failed security.
Tell me what can I do?
I can call you back on your registered phone
I am speaking to you now on my registered phone.
Well I still need to call you in the next 5 minutes.
She calls back
Now there are no questions, just minutes worth of scripted admonishions not to let people persuade you to send them money. Do not invest in crypto schemes, etc etc. Who was the payee on your blocked transaction?
Me, I was sending money to myself.
Well, the bank involved in the transfer is involved in cryptocurrency.
I don't think so.
Well, a lot of people are being tricked into giving their money to criminals. Is anyone forcing you to make this payment?
No I am making transfer to my account in another bank. The same transaction I made six times before for the same amount
Well, stay on the line while I unfreeze your account.
That's how I spent my afternoon.
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benaj
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Post by benaj on Feb 15, 2024 16:00:24 GMT
Sorry to hear that.
I believe Santander have forzen three times on three different ocassions:
1) paid the same account twice in the same day 2) made the payment using the UK VPN while abroad 3) made lots of payment same day using all my santander accounts available. ££££££ in total
The last time I dealt with them wasn't too bad, got the account working again and made the payment within 10 minutes, much easier than metro bank. But now it is half term, it takes extra time I guess for the "busy" period.
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adrianc
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Post by adrianc on Feb 15, 2024 16:04:04 GMT
What bank were you transferring to?
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lara
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Post by lara on Feb 15, 2024 16:09:20 GMT
That's awful. I'd put in a complaint about how rude they were and how much of your time they wasted.
They're notorious for blocking though. You should sign up for their voice recognition security "my voice is my password" thing so that when it happens the next time (eye roll) at least you should only have to call once.
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michaelc
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Post by michaelc on Feb 15, 2024 16:28:33 GMT
Thanks for posting - always interesting to read these stories.
+1 for asking which bank it was going to out of sheer nosiness and wonder if any bank could be more linked to crypto than another?
As for the afternoon wasted, I made a decision a long time ago that I would prioritise customer service over all else except ongoing fees. So I started with Smile which for a decade plus were excellent. Then they went rapidly downhill a few years ago so swapped to FirstDirect. When I joined I did a test call and it was picked up immediately - gobsmacked. Last time was over a year ago and think it was a minute or two.
I'm not super rich so will never know what its like to have an account in Coutts et al but I do know the likes of "premium" (i.e. not that premium/difficult to get) HSBC banking are still nowhere near as good as my BNP Paribas account in Kyiv, Ukraine where relatively speaking I am moving towards super richness. It comes with the mobile and landline of the manager of a central branch plus her email which usually gets answered in an hour or two if she's not in a meeting. She knows me and my family and takes it into account when making decisions or giving advice - far better than a computer.
Sadly due to obvious risks, I haven't been over or invested anything over the past 2 years.
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Post by captainconfident on Feb 15, 2024 16:40:35 GMT
en.wikipedia.org/wiki/LHV_PankLHV Bank Estonia. This is not a dodgy bank, and I repeat, I made the same transaction several times before for the same amount.
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registerme
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Post by registerme on Feb 15, 2024 16:42:36 GMT
fwiw I've been a First Direct customer for twenty odd years and the service has never been short of excellent.
Quite incredible really.
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benaj
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Post by benaj on Feb 15, 2024 16:50:43 GMT
I had a problem with HSBC once regarding crypto currency. It was a Crypto currency marker of the transfer I made to my own account with FD. No idea when the transfer was tagged with Crypto Marker and got flagged up. Perhaps it was a "glitch" from somewhere. I don't have LHV bank accounts but I wonder are other uk banks restricting transfers to banks linked with Crypto Investment. LHV said customer can invest Crypto direct. www.lhv.ee/en/crypto |
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Post by captainconfident on Feb 15, 2024 17:50:20 GMT
I had a problem with HSBC once regarding crypto currency. It was a Crypto currency marker of the transfer I made to my own account with FD. No idea when the transfer was tagged with Crypto Marker and got flagged up. Perhaps it was a "glitch" from somewhere. I don't have LHV bank accounts but I wonder are other uk banks restricting transfers to banks linked with Crypto Investment. LHV said customer can invest Crypto direct. www.lhv.ee/en/cryptoFair enough but the account is in my name. And transfers going back 8 months have been unchallenged. More to the point, their questions to confirm customer identity. Given that during the call 10 min wait they confirm that I am calling on the designated phone number for the account, the one they send access codes to, so how can I "fail identification"? Can you now tell me a precise amount and the day it was credited to your account without looking it up? Maybe you recently looked but I don't tend to memorise these things. I could list the companies that would have made credits in the last two weeks and approximate amounts, but that was inadequate. And apart from date of birth, this was the only identification question they had to ask. I said, ask me something else, like what direct debits were on the account, which charities get monthly payments... No, precise day and amount of a credit or you have failed, goodbye.
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firedog
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Post by firedog on Feb 15, 2024 17:53:29 GMT
fwiw I've been a First Direct customer for twenty odd years and the service has never been short of excellent. Quite incredible really. Think it's about 30 years for me with First Direct and never once had a problem transferring larger sums. Now I've jinxed it, though. My experiences with Santander have been consistently grim.
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michaelc
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Post by michaelc on Feb 15, 2024 18:44:01 GMT
fwiw I've been a First Direct customer for twenty odd years and the service has never been short of excellent. Quite incredible really. Think it's about 30 years for me with First Direct and never once had a problem transferring larger sums. Now I've jinxed it, though. My experiences with Santander have been consistently grim. How much in terms of fees and interest to transfer say $250,000 USD to say Peru ? If I had to guess you'd waste a good few k more than if you shopped around.
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benaj
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Post by benaj on Feb 15, 2024 19:08:04 GMT
I suppose Wise / Revolut / Fineco or even the latest HSBC’s Zing can transfer money to LHV accounts without a fuss. They are not even UK banks.
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adrianc
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Post by adrianc on Feb 15, 2024 19:23:51 GMT
Think it's about 30 years for me with First Direct and never once had a problem transferring larger sums. Another 30yr FD veteran here. When I see the hoops herself has to go through with Barclays to do so much stuff that's just a doddle with FD... But, yeh, I can see why a transfer to an Estonian bank might raise eyebrows, especially with the direct crypto stuff.
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travolta
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Post by travolta on Feb 15, 2024 19:35:52 GMT
Online banking ,when it works ,is great .
But when it doesn't its completely f*cked.
' cue for nostalgic music:
'Remember when you walked into the local bank,and they knew you by name ?'
(yes, I AM really old, but that was my experience only about 5 years ago).
Nearest face to face bank is now 34 miles away ,
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michaelc
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Post by michaelc on Feb 15, 2024 19:52:22 GMT
Think it's about 30 years for me with First Direct and never once had a problem transferring larger sums. Another 30yr FD veteran here. When I see the hoops herself has to go through with Barclays to do so much stuff that's just a doddle with FD... But, yeh, I can see why a transfer to an Estonian bank might raise eyebrows, especially with the direct crypto stuff. Why ? That's the EU.
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