Bank of America Fraud Protection Sucks
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.
That pretty ridiculous and kinda funny too. Who would even know the answers to those questions?!?! You should have come and had more fun losing miserably at trivia!
hey, just googled “bank of america fraud protection sucks” and found this. just got done with 30 minutes of the same merry go round, but now have to go to an actual banking center with multiple forms of ID to unlock the account. This will end up costing BOA customers, Chase offers so much of a better experience its a bit unreal. John Paulson should reconsider his huge investment in these guys, their commercial side is a joke.