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HSBC UK is pretty serious about fraud, actually. Their fraud department calls me several times a year to enquire about any transactions out of the ordinary to

HSBC UK is pretty serious about fraud, actually. Their fraud department calls me several times a year to enquire about any transactions out of the ordinary to the point I am very careful when I travel abroad because I know they are bound to flag the activity.

Havoc 3y ago
Clearly they're phoning the wrong people then
varispeed 3y ago
You sure it is the bank and not fraudsters?
- ceejayoz 3y ago
  This is a serious problem. I had a fraudulent charge today that my credit card company caught. I got both a text and a phone call; the phone call bounced me from person to person, one asking for last four digits, the other asking for name, and when I couldn't immediately find the card to get the CVV the third offered to send me a two-factor code via text to confirm my identity... which said "we will not call and ask for code" in the text message. Still not 100% sure it was the bank, so I asked for a reference number (which they couldn't provide) and said I would call back the number on my card instead.
  - mytailorisrich 3y ago
    HSBC publishes their relevant phone numbers so usually I just call them back. Recently they also have started sending texts instead. They text that "you card ending with xxxx has been used for a transaction of x money at y company, did you make this transaction?" and you just reply Y/N. If you don't reply they start calling.
- mytailorisrich 3y ago
  Yes, fraudsters don't have Indian accents ;)
kergonath 3y ago
Santander did the same. Including blocking my debit card after I’d been in Arizona for a week. That was a bit of fun, calling them from the middle of the desert with the time difference. The problem is their profiling is out of whack. They should not treat foreign transactions from a frequent traveler with the same urgency (or more) as a vulnerable elderly emptying their bank account over the course of weeks. They have all the data they need to do their job properly and then some. They are not afraid to use this data when it’s to sell you plans and mortgages.
commandlinefan 3y ago
> HSBC UK is pretty serious about fraud And to play devil's advocate - from their perspective, _this_ claim could very well be fraudulent. Not accusing anybody of anything, but in theory it's not a bad scam - get your son to drain your bank account, move the money where it can't be found, claim you were hacked, get all your money back. I doubt that's what happened here, but the bank has to consider it.

Havoc 3y ago

Clearly they're phoning the wrong people then

varispeed 3y ago

You sure it is the bank and not fraudsters?

ceejayoz 3y ago
This is a serious problem. I had a fraudulent charge today that my credit card company caught. I got both a text and a phone call; the phone call bounced me from person to person, one asking for last four digits, the other asking for name, and when I couldn't immediately find the card to get the CVV the third offered to send me a two-factor code via text to confirm my identity... which said "we will not call and ask for code" in the text message. Still not 100% sure it was the bank, so I asked for a reference number (which they couldn't provide) and said I would call back the number on my card instead.
- mytailorisrich 3y ago
  HSBC publishes their relevant phone numbers so usually I just call them back. Recently they also have started sending texts instead. They text that "you card ending with xxxx has been used for a transaction of x money at y company, did you make this transaction?" and you just reply Y/N. If you don't reply they start calling.
mytailorisrich 3y ago
Yes, fraudsters don't have Indian accents ;)

kergonath 3y ago

Santander did the same. Including blocking my debit card after I’d been in Arizona for a week. That was a bit of fun, calling them from the middle of the desert with the time difference. The problem is their profiling is out of whack. They should not treat foreign transactions from a frequent traveler with the same urgency (or more) as a vulnerable elderly emptying their bank account over the course of weeks. They have all the data they need to do their job properly and then some. They are not afraid to use this data when it’s to sell you plans and mortgages.

commandlinefan 3y ago

> HSBC UK is pretty serious about fraud And to play devil's advocate - from their perspective, _this_ claim could very well be fraudulent. Not accusing anybody of anything, but in theory it's not a bad scam - get your son to drain your bank account, move the money where it can't be found, claim you were hacked, get all your money back. I doubt that's what happened here, but the bank has to consider it.