MBNA Credit Card shambles

[zathras]

Why on earth do people give out answers to "security" questions to someone unidentified, unidentifieable, and unwilling to be specific, on an unsolicited call to you?

Eggzatly, funny thing was the guy could not understand why I would not give them out.

There was one time that a Bank, that bears an uncanny resemblence to Barclays sent me another client's statements.

From that I could tell

1. She was married
2. All her direct debits
3. Account Number, Branch, Bank (obviously)
4. Her Address and Postcode
5. Who supplied her Electricity and Water
6. Her employer
7. When and where she last withdrew money and how much.


It would not have taken much had I been so inclined to get her password (simply look her up in the Phonebook and call - It is your bank here, before I go on can I have your password).

I have asked Banks before how you deal with this problem and frankly they have no idea. The only thing to do is call the bank back yourself.

[BoredBloke]

Ask them security questions - who is your CEO, where is your registered office etc. Afterall they called you out of the blue and you want to verify they are who they say they are. Also, THEY CALLED YOU.

[Euro-commuter]

You think that is bad enough.

Had a call from someone with a thick Indian accent calling me about MBNA and he proceeded to ask me security questions;

Me: 'Which account are you calling about?'

Drone: I cannot tell you.

Me: Well I can't tell you the security details, until you tell me which account you are calling about.

Drone: I cannot tell you.

This went on for ages. I even asked for his supervisor and he told me he was the supervisor! (Beejeezus, God give me strength)

This went on for sometime until I eventually told him I would call MBNA myself.

Why on earth do people give out answers to "security" questions to someone unidentified, unidentifieable, and unwilling to be specific, on an unsolicited call to you?

[zathras]

You think that is bad enough.

Had a call from someone with a thick Indian accent calling me about MBNA and he proceeded to ask me security questions;

Me: 'Which account are you calling about?'

Drone: I cannot tell you.

Me: Well I can't tell you the security details, until you tell me which account you are calling about.

Drone: I cannot tell you.

This went on for ages. I even asked for his supervisor and he told me he was the supervisor! (Beejeezus, God give me strength)

This went on for sometime until I eventually told him I would call MBNA myself.

[Flubster]

Eh? what are you banging on about?

The 'hysterical' women. Wordplay...sorry, IGMC.

[Burdock]

it's amazing how stressful phone calls to financial institutions can be...

(apart from cater allen of course)

[sasguru]

They're laughing at you, not with you assguru...

Eh? what are you banging on about?

[Flubster]

Hysterical women, eh?

They're laughing at you, not with you assguru...

[sasguru]

It would have helped if you'd told us that, THEN banged on about them getting into your account - which according to the rest of your original post, you didn't have.

Hysterical women, eh?

[Zorba]

I must say that I thought it was going to finish with an identity fraud scam, as in someone got your details and got a card.

I got stung for 10k+ last year, which the card company covered luckily.

[mrdavies]

I'd have just hung up and saved myself getting into a flap

[wendigo100]

as it turned out, it was a CC that I had in 2004 that I ceased but was still taken over by MBNA, but they failed to tell me ......

It would have helped if you'd told us that, THEN banged on about them getting into your account - which according to the rest of your original post, you didn't have.

[MrsGoof]

Confused - so you do have an account? Or are you saying MBNA have set you up with a credit card you didn't apply for?

Oh dear SAS read the bit at the end re how easy it was to get access to the account.

as it turned out, it was a CC that I had in 2004 that I ceased but was still taken over by MBNA, but they failed to tell me ......

[sasguru]

Confused - so you do have an account? Or are you saying MBNA have set you up with a credit card you didn't apply for?

[MrsGoof]

I just received a phone call from MBNA in India. I spoke to a nice lady called Sarah who wanted to ask me some questions about my MBNA credit card.

I don't have an MBNA credit card

I tried to explain that I didn't have such a card, but she just wanted to finish her script. Eventually I was put through to her supervisor Joseph Ryan (I just love those typical Indian names) and spent 10 minutes trying to explain that because they believe I have the card and in reality I don't have the card, that this is a serious problem. Joseph (I wonder if he as a multicolored coat), seemed to think that this was not a problem.

I'd repeat the details, me no card, you think me have card but no joy. I was getting frustrated very frustrated and resorted to saying "Do you understand?" after ever sentence. He seem to take offense at this and threatened to cut me off for my bad language, in the end I gave up.

I found a number for MBNA in the UK and phoned themeventually I spoke to a nice girl who was very friendly and helpful, but needed some personal details like WORK PHONE NUMBER and PASSWORD to enter the account, surprisingly I had neither, but then the scary bit happened, I was hit with the full force MBNA's security with 2 killer questions.

What is your Date of Birth?
What is your Postcode?

The answers to these questions gave the girl full access to the account, and from this point forward I was treated as the account owner.

FFS:
What is your Date of Birth? +What is your Postcode? = FULL ACCESS to account