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  # 986430 12-Feb-2014 21:45
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Mark:
ubergeeknz:
Mark:
nakedmolerat:
KiwiNZ: If I get a call from our Bank I would just tell them I will call them back.


what if the bank call and ask about your credit card transaction / online transfer?


How would you know it is the bank calling you ?

Anyway it's simple; ask for a number and name; then check that the number belongs to your bank.


Simple to you or I, but I bet there are people out there who just accept that the people cold calling them really are who they say they are and just handover the answers to security questions.



The guy I had from gem visa acted all offended when I refused to answer anything he asked and explained he was damn lucky I answered since it was a withheld caller ID and I was only answeirng as I expected a call from someone at a hospital. The guy told me that he couldnt take incoming calls so I said well email me on my listed email address with you with the query and I will reply to that, and was told they couldnt email for security reasons.

I really cant be assed dealing with these idiot places with retarded policy like that.




Richard rich.ms

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  # 986602 13-Feb-2014 09:36
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richms:
Mark:
ubergeeknz:
Mark:
nakedmolerat:
KiwiNZ: If I get a call from our Bank I would just tell them I will call them back.


what if the bank call and ask about your credit card transaction / online transfer?


How would you know it is the bank calling you ?

Anyway it's simple; ask for a number and name; then check that the number belongs to your bank.


Simple to you or I, but I bet there are people out there who just accept that the people cold calling them really are who they say they are and just handover the answers to security questions.



The guy I had from gem visa acted all offended when I refused to answer anything he asked and explained he was damn lucky I answered since it was a withheld caller ID and I was only answeirng as I expected a call from someone at a hospital. The guy told me that he couldnt take incoming calls so I said well email me on my listed email address with you with the query and I will reply to that, and was told they couldnt email for security reasons.

I really cant be assed dealing with these idiot places with retarded policy like that.


I think that they need to agree a secret question/PIN number with us, which THEY have to give us to identify that they are genuine!!





 
 
 
 


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  # 987198 14-Feb-2014 11:28
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nakedmolerat:
Mark:
nakedmolerat:
KiwiNZ: If I get a call from our Bank I would just tell them I will call them back.


what if the bank call and ask about your credit card transaction / online transfer?


How would you know it is the bank calling you ?



On a few occasions when i transfer money to overseas account or paying for my hotels while i am overseas.

Eg: Transferred $5k to overseas account - within 60 seconds i click CONFIRM, phone usually rang. The conversation goes like this:

Bank: Hi Mr XXXX, I am YYYY calling from ZZZZ bank. You have account with us and I saw you did a total transfer of  $$$ amount. Is that really you?
Me: Yes, yes.
Bank: Ok thanks! Have a great day.

Eg: Everytime I am in seychelles for holiday.

Bank: Hi Mr XXXXX, we noticed you paid SCR $$$$ equivalent NZ $$$$ to this hotel. Can you confirm the transaction?
Me: Yes, yes.
Bank: Ok thanks! Have a great day.


That's a bit of a different beast really though.  They're identifying themselves by providing details that are known only to you, the merchant, and the bank; and they're not asking for any information at all, let alone any information that you and the bank don't already have.  A simple "Yes" would not assist a fraudster at all.  Now if they were to say "Just to confirm, can you please provide the full credit card number so we can authorise that transaction" well, that would be dodgy.

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  # 987201 14-Feb-2014 11:42
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On a few occasions when i transfer money to overseas account or paying for my hotels while i am overseas.

Eg: Transferred $5k to overseas account - within 60 seconds i click CONFIRM, phone usually rang. The conversation goes like this:

Bank: Hi Mr XXXX, I am YYYY calling from ZZZZ bank. You have account with us and I saw you did a total transfer of  $$$ amount. Is that really you?
Me: Yes, yes.
Bank: Ok thanks! Have a great day.

Eg: Everytime I am in seychelles for holiday.

Bank: Hi Mr XXXXX, we noticed you paid SCR $$$$ equivalent NZ $$$$ to this hotel. Can you confirm the transaction?
Me: Yes, yes.
Bank: Ok thanks! Have a great day.


This is useless if the thief got hold of you mobile too:
Bank: Hi Mr XXXXX, we noticed you paid SCR $$$$ equivalent NZ $$$$ to this hotel. Can you confirm the transaction?
Thief: Yes, yes.
Bank: Ok thanks! Have a great day.


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