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The only time I ever triggered fraud detection system on my card I got a text message from bank that was "Your card is blocked due to suspicious usage, please c

by Algent 1y ago

The only time I ever triggered fraud detection system on my card I got a text message from bank that was "Your card is blocked due to suspicious usage, please call 'number'". And the number was also some random unlisted one. Only reason I didn't just ignore the thing is I did make a purchase on new website a half an hour before. Called my local bank and they confirmed this was legit, I almost went off on a full rant about how bad their protocol is for this.

microtonal 1y ago
One of my former banks handled this pretty well. They called you and would say something like “there is an issue, but since you should never trust a direct phone call pretending to be your bank, please look up our number on our website and call us”. It’s kinda nice because while doing this, they also educate their customers to never trust such a call and to rely on official information to contact them.
- JoshTriplett 1y ago
  That is a great demonstration of best practices. What bank was that?
  - dexterdog 1y ago
    It's also a great filter for the scammers. The people who are non-gullible or medium-gullible will follow. The truly gullible will say "What is the web address?" To which they respond "citibank-support.blogspot.com"
  - microtonal 1y ago
    I was probably the Dutch ING or ABN-AMRO, we went through too many banks and between two countries :D. The Dutch ING now has a new thing where you can verify in the banking app if it's them calling you: https://www.ing.nl/de-ing/veilig-bankieren/wat-kan-je-zelf-doen/check-het-gesprek https://www.ing.nl/de-ing/veilig-bankieren/wat-kan-je-zelf-d... (I guess in some sense it's a step back because the bank is calling you again, but it's nice that you can verify it live in the app.)
- OkayPhysicist 1y ago
  My credit union does the same but with "call the number on the back of your card". I suppose they have a lot of practice getting it right, given that their idea of a suspicious transaction is any transaction out of state.
  - freedomben 1y ago
    My bank did the "out of state" suspicious thing for a while. It was particularly painful since I lived near a state border...
  - ectospheno 1y ago
    PNC pulled that on me all the time. So I closed all my accounts and bank elsewhere. Gave fraud prevention as the sole reason for my exit on forms.
    - i80and 1y ago
      I ended up with a PNC account as a result of a series of bank acquisitions, and they're so badly run it's almost a dark comedy. Branch staff are all perfectly lovely, but they're at the mercy of very funky systems above them.
      - pixl97 1y ago
        Banks are filled with stupid levels of bureaucracy internally, but PNC takes that up to 10. Their IT employees seem like dried husks of something that once was human.
  - devilbunny 1y ago
    > any transaction out of state I am assuming card-present transactions? Because I order things from all over, not just locally. I do appreciate the fraud protection but authorizing my ATM card for non-US withdrawals is overly specific and extremely annoying and time-consuming. Plans change? Expect to spend 15-20 minutes on the phone to say “yes, I will be in Portugal for one extra day”.
- khedoros1 1y ago
  Mine did the opposite for a while. In the event of an issue, they'd call, tell you that they were putting you on hold for a teller, and the first thing the teller did was identify the bank and ask for personal information to verify the account. I always made a point of telling them that they had called me, that I had no proof of who they were, and that I was going to call back from the published number.
jlokier 1y ago
I've had the version of that where I called my bank's listed number to confirm the incoming "call us on this number" voicemail was legit, and they said NO, the call is not a legit number of theirs, the account looks fine, I was right to check, and they agreed it seemed like a scam call. A few days later I found out the call really was from the bank, and the bank had blocked my account, in a way that took a long time to unblock (don't get me started...). As ever, I found out the hard way, when I needed to use the account for something in real-time and it wasn't available. But the call was from a different department than general customer support, the department's number wasn't known to customer service, and the account status change wasn't visible to customer service either. So the bank's own customer service thought it was a scam call!
- john01dav 1y ago
  Name and shame whoever did that. The last time that a bank tried to pull such shit at me I wrote about it all over the Internet and to this day it comes up when you search for that bank (either my post or others complaining/warning others of the same problem).
deleted 1y ago
[deleted]

by Algent 1y ago

microtonal 1y ago

One of my former banks handled this pretty well. They called you and would say something like “there is an issue, but since you should never trust a direct phone call pretending to be your bank, please look up our number on our website and call us”. It’s kinda nice because while doing this, they also educate their customers to never trust such a call and to rely on official information to contact them.

JoshTriplett 1y ago
That is a great demonstration of best practices. What bank was that?
- dexterdog 1y ago
  It's also a great filter for the scammers. The people who are non-gullible or medium-gullible will follow. The truly gullible will say "What is the web address?" To which they respond "citibank-support.blogspot.com"
- microtonal 1y ago
  I was probably the Dutch ING or ABN-AMRO, we went through too many banks and between two countries :D. The Dutch ING now has a new thing where you can verify in the banking app if it's them calling you: https://www.ing.nl/de-ing/veilig-bankieren/wat-kan-je-zelf-doen/check-het-gesprek https://www.ing.nl/de-ing/veilig-bankieren/wat-kan-je-zelf-d... (I guess in some sense it's a step back because the bank is calling you again, but it's nice that you can verify it live in the app.)
OkayPhysicist 1y ago
My credit union does the same but with "call the number on the back of your card". I suppose they have a lot of practice getting it right, given that their idea of a suspicious transaction is any transaction out of state.
- freedomben 1y ago
  My bank did the "out of state" suspicious thing for a while. It was particularly painful since I lived near a state border...
- ectospheno 1y ago
  PNC pulled that on me all the time. So I closed all my accounts and bank elsewhere. Gave fraud prevention as the sole reason for my exit on forms.
  - i80and 1y ago
    I ended up with a PNC account as a result of a series of bank acquisitions, and they're so badly run it's almost a dark comedy. Branch staff are all perfectly lovely, but they're at the mercy of very funky systems above them.
    - pixl97 1y ago
      Banks are filled with stupid levels of bureaucracy internally, but PNC takes that up to 10. Their IT employees seem like dried husks of something that once was human.
- devilbunny 1y ago
  > any transaction out of state I am assuming card-present transactions? Because I order things from all over, not just locally. I do appreciate the fraud protection but authorizing my ATM card for non-US withdrawals is overly specific and extremely annoying and time-consuming. Plans change? Expect to spend 15-20 minutes on the phone to say “yes, I will be in Portugal for one extra day”.
khedoros1 1y ago
Mine did the opposite for a while. In the event of an issue, they'd call, tell you that they were putting you on hold for a teller, and the first thing the teller did was identify the bank and ask for personal information to verify the account. I always made a point of telling them that they had called me, that I had no proof of who they were, and that I was going to call back from the published number.

jlokier 1y ago

I've had the version of that where I called my bank's listed number to confirm the incoming "call us on this number" voicemail was legit, and they said NO, the call is not a legit number of theirs, the account looks fine, I was right to check, and they agreed it seemed like a scam call. A few days later I found out the call really was from the bank, and the bank had blocked my account, in a way that took a long time to unblock (don't get me started...). As ever, I found out the hard way, when I needed to use the account for something in real-time and it wasn't available. But the call was from a different department than general customer support, the department's number wasn't known to customer service, and the account status change wasn't visible to customer service either. So the bank's own customer service thought it was a scam call!

john01dav 1y ago
Name and shame whoever did that. The last time that a bank tried to pull such shit at me I wrote about it all over the Internet and to this day it comes up when you search for that bank (either my post or others complaining/warning others of the same problem).

deleted 1y ago

[deleted]