Normally I’m all for Fraud Protection and security and all that stuff. But Bank of America takes it to an awful new level.
I was doing some online Christmas shopping while watching a movie here tonight. On one of the purchases my Bank of America MasterCard was rejected, so I used another card.
Then Bank of America called me on my cell phone to see if it was really me, and to unlock the freeze they’d put on my account. I had to answer the typical security questions, SSN, DoB, Mother’s maiden name, recent charges, etc…
Then they started asking some fun ones:
“What are the names of the two golf courses nearest to where you lived in Kenmore, WA?” First of all, that’s like 5 years ago, secondly I’ve never been golfing. I know where the nearest coffee shops always are, but apparently that doesn’t count.
“What are the full names and street addresses of five neighbors?” I have no idea. I just moved here, and I’m not a super neighborhood kind of guy.
And so on. And if they managed to ask a question that I actually knew the answer to, they ended up having bad data on their end. Apparently my SSN was issued from a state we lived in after we moved away from where I was born, so they didn’t believe me that I was born in Minnesota. And so on.
I spent over 30 minutes of my evening attempting to convince the people who called me, that I was really me.