Barclays Bank - Useless
Discussion
The fact they have security measure in place is no problem, its the fact that I can still log on to online banking, but because my PIN on my card was entered incorrectly means my account is essentially in locked down mode. Why not make it a separate system like Natwest. Lose your card you can still use online banking, forget your pin you can still move money around. I have no problem with it being secure but they could at least help me, Ive been on the phone to them and proved to them who I was so why not let me move money around ?
If a fraudster had managed to transfer money out of your account having entered the pin number incorrectly several times before eventually getting it right, you'd be on here screaming that Barclays should have seen the warning signs of the wrong inputs, adopted a better safe than sorry approach, and locked all of your accounts.
They can't win.
They can't win.
cpjitservices said:
Steer Clear ladies n gents what an absolutely diabolical mess for a bank.
Car is broken so off it went into A garage for repairs. Whilst at the garage I thought Ill sort the funds out. Logged onto online banking with my card details (i have them saved). Went to transfer the money to my main bank account as ATM is miles away for Barclays so thought transfer to Natwest as machine over the road. Put card in PINSentry (Card reader) and entered my PIN wrong 3 times. My bad, whoops. Not a Card I use often at all. Only way to transfer cash is to use this stupid Pin Sentry machine. Great. So phoned them up nope cant do anything you have to go to nearest branch. Great. Its in town center and I'm other end of the city so there isnt one local really nor a cash machine for them.
I would have thought that telephone banking would be more helpful (HSBC require the telephone option for things you can and can't do in branch). However, it isn't the bank's fault you got your pin wrong.Car is broken so off it went into A garage for repairs. Whilst at the garage I thought Ill sort the funds out. Logged onto online banking with my card details (i have them saved). Went to transfer the money to my main bank account as ATM is miles away for Barclays so thought transfer to Natwest as machine over the road. Put card in PINSentry (Card reader) and entered my PIN wrong 3 times. My bad, whoops. Not a Card I use often at all. Only way to transfer cash is to use this stupid Pin Sentry machine. Great. So phoned them up nope cant do anything you have to go to nearest branch. Great. Its in town center and I'm other end of the city so there isnt one local really nor a cash machine for them.
Also, who labels security devices like this as stupid? You would be mighty pi**ed if they didn't have security and someone else took your money.
cpjitservices said:
SAS Tom said:
To be fair it's hardly their fault you can't remember your pin. Even if you'd gone to the bank with it you'd have only put the wrong pin in.
Very true but something you dont use you dont always remember and the amount of passwords and other pins I have Its no wonder I sometimes forget. Surely there should be something in place so if you do forget you can still transfer money - I can login online no problem so why not let me use the online banking for what it was intended for.
You do realise that transferring money out of an account is a higher risk than simply viewing balance/transactions and needs an extra layer of security because of this?
LOL its stupid when there is only one way to get money out of my account. Phone banking would be great but guess what ... requires the PIN number. All I'm saying is I dont mind the account being locked but give me more than one way to move money around instead of relying on one method.
Sorry Edit: The Phone banking is tied to the App, which I cant use on my Account. As its not compatible.
Sorry Edit: The Phone banking is tied to the App, which I cant use on my Account. As its not compatible.
cpjitservices said:
LOL its stupid when there is only one way to get money out of my account. Phone banking would be great but guess what ... requires the PIN number. All I'm saying is I dont mind the account being locked but give me more than one way to move money around instead of relying on one method.
You were given another method, go to the branch.What other way would you like to see introduced?
R8Steve said:
You were given another method, go to the branch.
What other way would you like to see introduced?
OK, Yeah ill just walk 6 miles to the nearest branch at 6PM bearing in mind it closes at 4PM so what use would that be ? - Well why couldnt they opearte another procedure over the phone - ive locked my card out apparently not my entire account but everything is tied to the card. Rubbish Idea. Let me phone you, prove who I am, and let me make a transfer over the phone. HELL- they even authenticated me by using VOICE Recognition!! So they could prove it was me. What other way would you like to see introduced?
cpjitservices said:
R8Steve said:
You were given another method, go to the branch.
What other way would you like to see introduced?
OK, Yeah ill just walk 6 miles to the nearest branch at 6PM bearing in mind it closes at 4PM so what use would that be ? - Well why couldnt they opearte another procedure over the phone - ive locked my card out apparently not my entire account but everything is tied to the card. Rubbish Idea. Let me phone you, prove who I am, and let me make a transfer over the phone. HELL- they even authenticated me by using VOICE Recognition!! So they could prove it was me. What other way would you like to see introduced?
R8Steve said:
And how do you prove who you are over the phone? What happens when a fraudster calls up and says 'oh, but it is me, definitely' and transfers your entire balance out, still a rubbish idea then?
One of the options over the phone is to authenticate you via voice recognition which they did. So unless I'd been kidnapped and someone recording me answering questions to get into a savings account.. Things like Mothers Maiden name is asked also of which I have completely made up a name and no chance of a Fraudster guessing it. My wife doesnt even know what it is and I've told no one the "Over the phone" details.TooMany2cvs said:
There isn't. There's several. But, yes, they all require you to confirm your identity - and I don't think it's a bad thing that the account's locked if you cock doing that up.
Agree completely.. but I have confirmed who I am several times. Via Voice recognition AND Answers to questions which I only know the answers too.I have had enough of it all TBH
I worked in retail branch banking for 17 years Midland & HSBC but left 11 years ago - I now conduct my affairs almost entirely in cash as I simply cannot be arsed with cards, pins, internet banking unless I really have to - I have got extremely intolerant in my middle age simply dont want to waste the time interacting with stuff I dont understad any longer.
I worked in retail branch banking for 17 years Midland & HSBC but left 11 years ago - I now conduct my affairs almost entirely in cash as I simply cannot be arsed with cards, pins, internet banking unless I really have to - I have got extremely intolerant in my middle age simply dont want to waste the time interacting with stuff I dont understad any longer.
I work in IT, so I see on a regular basis that accounts have been hacked etc due to viruses or someone giving away information etc so I agree that there should be safeguarding in place - but when someone forgets some details and ends up locking out the account then surely there should be a system in place whereby something can still be done if you can prove who you are.
Other than visiting a branch that when com closing time of my work will be closed. As it closes at 4:30 PM and no chance I can get away early.
Other than visiting a branch that when com closing time of my work will be closed. As it closes at 4:30 PM and no chance I can get away early.
cpjitservices said:
R8Steve said:
And how do you prove who you are over the phone? What happens when a fraudster calls up and says 'oh, but it is me, definitely' and transfers your entire balance out, still a rubbish idea then?
One of the options over the phone is to authenticate you via voice recognition which they did. So unless I'd been kidnapped and someone recording me answering questions to get into a savings account.. Things like Mothers Maiden name is asked also of which I have completely made up a name and no chance of a Fraudster guessing it. My wife doesnt even know what it is and I've told no one the "Over the phone" details.It's hardly the banks fault that you have forgotten your pin/falsified your security answers and don't want to go to the branch.
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