Banking

keezer

Hi, today i got a call from the bank on my mobile it was a private no by the way. They said they where calling to update my details and that had i time to talk to them. I said ok and she begab to ask security questions ie the first part of my adress etc, then she said that she sees i am finishing up college soon and do i hope to continue on at 3rd level etc and then she askes for my last transaction etc and i told her that i cant remeber as its been awhile. Then she asked had i my card on me so that could i give her the first 5 digits for more security but as i hadnt the card on me she said she would call me back next week and what day dose it suit.


Dose this sound normal and the fact they ring on a private no makes me suspicous

javaboy

Dodgy as hell. They cannot prove who they are over the phone so why should you give them any info. Ring up your bank and tell them about it if they say it wasn't them you might be able to get your phone provider/the Gardaí to find out where the call came from.

Karoma

They called you...to update your details...uh... huh...


I mean, sure. Wallet Inspector; hand it over.

galwayrush

Bloody hell, Banker Wanker probably wanted a loan from you.:rolleyes:

dny123456

its usually the last 4 digits of the card number they would use... sounds dodgey as hell to me. dont give out any more information.

By the way, when's your birthday?

NEVER answer a private number !

seanybiker

I rang em today so i could set up a transfer funds to me fathers account. For security reasons a different person rang me back and the phone number was private.
Me mate got a phonecall from the bank today and he told em he was gone to the shop and he would get himself to ring them back when he came home.

Pepe LeFrits

AIB do this all the time.

Jev/N

Yep that's normal, AIB ring off a Dublin number, BOI off private in my experience

And @Dny123456 - they can't do anything with the card number, that's just the 7/8 digit number on all cards, not the laser/maestro number! :rolleyes:

Karoma

rarnes1 wrote: »

NEVER answer a private number !

Absolutely. In fact, never answer any phone - they could play a hypnotic message and take control of your min...ah, **** it - you're just a loon.

Pepe LeFrits wrote: »

AIB do this all the time.

So does Permanent TSB, but they never ring out of the blue as the OP would suggest.

humanji

Actually, I got a call from Bank of Ireland asking the same things. I immediately said that I wasn't going to give any details to a random stranger over the phone (it was a withheld number too). The guy insisted he was with the bank, so I asked for his number. I then rang Bank of Ireland and asked them about it. They told me it was legitimit and forwarded me onto the same dept. And they had the cheek to say I was being overly paranoid!

So, it could of be legit, but you should of hung up and rang the bank.

dny123456

Jev/N wrote: »

And @Dny123456 - they can't do anything with the card number, that's just the 7/8 digit number on all cards, not the laser/maestro number! :rolleyes:

op didnt specify what type of card it was, more than debit cards out there :rolleyes:

javaboy

It's very bad practice if it is legitimate.

Jev/N

dny123456 wrote: »

op didnt specify what type of card it was, more than debit cards out there :rolleyes:

either way, credit cards from the same financial institution have the same first 4-6 digits AFAIK

Random

Banks do this a lot. MBNA did it to me a few times too. Someone rang from the fraud dept telling me there was some potential security issues with my card. He then asked me to confirm my card number, mothers maiden name and other nonsense.

I asked him again if he was definitely from the fraud dept. I asked him for his extension number which he refused to give me.

I told him to put a note on my account about what he wanted to check with me and I'd call MBNA back straight away and answer it.

I was shocking this guy is from the security dept and he wants me to just hand out details over the phone to a private number with no confirmation, and then he acts all funny when I suggest calling back - nonsense!

I often get calls from AIB but they're usually customer service ones and the number has been withheld at times. However AIB card services called me last summer regarding a transaction they considered dodgy (it wasn't though) and it was a Dublin number they called from.

However "vishing" does exist so you were dead right to be wary about it.

Random

vishing? Do you mean phishing or is vishing something else?

+ edit - nevermind .. phishing is email and vishing is phone Who knew!

Ulster Bank do it also. I refuse to allow it though, considering the chances of identity theft from post or litter. If they want my details confirmed, they can ask me the next time I'm in the bank, or provide me with a secure form on the net. I hate all the feckin banks, and I'm not going to help them when they're being so retarded.

amacachi

javaboy wrote: »

It's very bad practice if it is legitimate.

Ridiculously bad. Even porn sites tell ya they'll never ask for your details in an email and to not give them out.

dr.bollocko

Karoma wrote: »

ah, **** it - you're just a loon.

BANNED.

keezer

Thanks for all your replys, i just wasnt sure to believe them or not.

keezer

dny123456 wrote: »

its usually the last 4 digits of the card number they would use... sounds dodgey as hell to me. dont give out any more information.

By the way, when's your birthday?

Jan 23 err why.

MadgeBadge

It's legit, in fact, it was probably me.

mikemac

Completely legit, my application for AIB internet banking got verified that way.

All the same, pays to be aware when you get one of these calls.

dr.bollocko

I have gotten at least 5 calls like that from AIB bank. As soon as they ask me for personal info I point out that I don't want to give out personal info on an inbound call and they hang up.

Danbo!

rarnes1 wrote: »

NEVER answer a private number !

Never understood this mentality. I know a lot of people that wont answer their phones if it's a private number, and some who won't answer if they don't know who it is. If I miss a call from a private number it WRECKS my head. If it's someone you don't want to talk to, just hang up.

mikemac wrote: »

Completely legit, my application for AIB internet banking got verified that way.

All the same, pays to be aware when you get one of these calls.

Fair enough if they call to verify something you have done/applied for, but a call out of the blue, i'd be very wary.

bronte

I remember seeing on banks websites that they'll never ask for details over the phone. Seems odd to me.

Stee

Stee wrote: »

Never understood this mentality. I know a lot of people that wont answer their phones if it's a private number, and some who won't answer if they don't know who it is. If I miss a call from a private number it WRECKS my head. If it's someone you don't want to talk to, just hang up.

I have this problem in work. One of the lines I use to dial out is a VoIP line with no inbound PSTN number, so when dialling out it comes up as private. I've noticed that many people don't answer the phone when I use that line yet if I use the regular eircom line they do (because the number is sent).

johnnyskeleton

At best they could take away your student account privileges and make you pay fees. At worst, they could be trying to get your banking details from you.

johnnyskeleton

Karsini wrote: »

I have this problem in work. One of the lines I use to dial out is a VoIP line with no inbound PSTN number, so when dialling out it comes up as private. I've noticed that many people don't answer the phone when I use that line yet if I use the regular eircom line they do (because the number is sent).

As an aside, I always think that the people who don't answer private numbers or who answer very furtively probably have some serious problems, like they are in arrears on their mortgage or are awaiting an STD test.

Why are they afraid of private numbers? If it is someone they don't want to talk to, they can always say "got to go" then hang up.

babaloushka

I often wonder why so many people choose to keep their number private - what have they got to hide or fear? I don't avoid answering these calls all the time, but they're not on my priority list. If I'm busy or eating or watching a TV programme, for example, I'm unlikely to waste my time answering a call when the number is withheld. It cuts both way

Rabies

Answer private numbers. Don't worry, if you don't like the caller then hang up.
Some people have their landlines set to private for a reason.

OT:
I've got a call or two from my bank before asking to double check some transactions. I've asked them to tell me all the info because I already know it. They need the conformation.

Biggins

If you have any doubts, I'd say to the person on the phone "I'm unsure about doing this on the phone, I'll call into the bank and get the matter sorted."
If they are genuine, they should have no problem with you doing just that.

I have got similar calls myself - but I'm still careful still about giving out facts that they should know already.
That bit makes me a bit uncomfortable.

MadgeBadge

Stee wrote: »

Fair enough if they call to verify something you have done/applied for, but a call out of the blue, i'd be very wary.

It may seem out of the blue for you but surely they explained that
it's the time of year when banks are trying to find out if you're going onto further study or not so they can up-grade you to a graduate account, or keep you on a student account accordingly.

Also, there are no transaction fees with a graduate account also. So no worries!

ixus

keezer wrote: »

Hi, today i got a call from the bank on my mobile it was a private no by the way. They said they where calling to update my details and that had i time to talk to them. I said ok and she begab to ask security questions ie the first part of my adress etc, then she said that she sees i am finishing up college soon and do i hope to continue on at 3rd level etc and then she askes for my last transaction etc and i told her that i cant remeber as its been awhile. Then she asked had i my card on me so that could i give her the first 5 digits for more security but as i hadnt the card on me she said she would call me back next week and what day dose it suit.


Dose this sound normal and the fact they ring on a private no makes me suspicous

Why are you asking such a potentially important question in AH?
Would you not ask it in the banking forum?

If a stranger pulled up on a car beside you and asked you to get in what would you do?

Bottle_of_Smoke

Why do banks do this?

johnny_knoxvile

SEX IS LIKE BANKING...

...you only lose interest when you withdraw!

omyatari

you could have screamed *YOU'll never take me alive!!!* and hang up the phone.

but really, i wouldnt trust it either.

RossFixxxed

Banks generally have to use private number tbh. It's due to the fact that we can only speak to the customer... If your wife answers we have to say it is a 'private business matter' we cannot say where we are calling from. Data protection is a pain!

So private is ok, but they usually should only check name/address/d.o.b./mobile/4 digits from card...

If unsure don't give anything obviously, the staff will understand and should be happy for you to call back to the bank!

Edit: note that most forms you sign should have a section 'permission to contact in work/during the day etc.'

Zadkiel

javaboy wrote: »

It's very bad practice if it is legitimate.

Unfortunately its true, I used to work for AIB and I was shocked the first time they rang me for this type of stuff.
The best thing to do is ring back to your branch or 24hr Banking ( or the equivalent for another bank) and ask them if someone was to call.

This way you know who your talking to and if its legit.
Its a VERY bad way of doing business imo but they don't really give enough of a toss about the average branch customer to change procedures for them.

If you won the lotto they'd be all over you like a hot snot offering you Private Banking. cnuts tbh