https://leecrampton.co.uk/when-systems-go-bad-you-know-theyll-only-get-worse/ Lee Crampton - The rural virtual url life of a software developer Tue, 10 Nov 2009 10:36:31 +0000 hourly 1 https://wordpress.org/?v=5.9.15 https://leecrampton.co.uk/when-systems-go-bad-you-know-theyll-only-get-worse/comment-page-1/#comment-801 Tue, 10 Nov 2009 10:36:31 +0000 http://leecrampton.co.uk/?p=346#comment-801 My bank has an interesting fraud prevention system. If you move more than a set amount of money between accounts, the system is triggered and you get a phone call. As Lee describes, they call you and ask you personal questions to ensure that it is you and of course you don’t play ball but hang up and immediately call your bank to verify it was them.
Telephone banking verify it is you, pass you to fraud prevention who then again verify it is you (with the same security questions you have just been asked) and then they ask you to confirm the movement of funds. These would be the same funds you moved earlied the same day via telephone banking, answering the same security questions. As far as I can tell the only additional ‘fraud prevention’ step is that they called you on your mobile; given I already get a text message from telephone banking to confirm transfers I fail to see the point of this irritating extra step.

]]> https://leecrampton.co.uk/when-systems-go-bad-you-know-theyll-only-get-worse/comment-page-1/#comment-799 Sat, 07 Nov 2009 21:06:37 +0000 http://leecrampton.co.uk/?p=346#comment-799 In the past year I have dumped the Barclaycard Visa that I had held since I was 18. It had been blocked every single time that I tried to use it in the USA, even though on each occasion I informed them of the dates and cities I would be in before I left the UK.
The card I replaced it with, provided by my bank, has worked when I needed it to but I get exactly the same calls as Lee is describing. Irritatingly freqently and illogically triggered.

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