Aral Balkan
Wow, Bank of Ireland are completely clueless about #security.
“BOI: We’d need to speak to you about your credit card application…
Me: Sure…
BOI: First, let’s verify you…full name, date of birth…
Me: …
BOI: Mother’s maiden name?
Me: LjwOtrNGIgpJlJE
BOI: So this is the problem: We need your mother’s maiden name.
Me: I just gave it. This is a security question and I provided you with a password.
BOI: No, that won’t work, we need her name.
Me: Wow… OK… Please cancel my application.”
翠星石
Aral Balkan
@kkarhan Yeah, the only reason I wanted a credit card to begin with is because it makes renting a car easier in some places. No desire to have one. My debit card works perfectly fine for anything I need it for.
It amazes me, though, that this is a bank and they’re so clueless about security. (I mean, it doesn’t really, but, in a world that worked properly, it would.)
Kevin Karhan :verified:
@aral Eeyupp - I'd do the same!
And THIS is why I neither use #OnlineBanking nor have any #CreditCard:
Because I won't compromise my #ITsec for their shitty bs.
Also my mother's maiden name is none of their business and that's why they legally can't ask for it in Germany!
Aral Balkan
@nev Yeah, right? :)
nev
@aral I will have you know the LjwOtrNGIgpJlJEs are an old and storied family
Aral Balkan
@nev (They were lucky their form only accepted alphabetical characters and had a 15 character limit or it would have been even more fun.)
Aral Balkan
I mean, it’s even funnier because their initial response was “Is this really your mother’s maiden name?”
🤦♂️
Aral Balkan
@gastonrampersad Oh gosh, no, please don’t say that. We’re going to start looking for a place to buy (because it’s going to be way cheaper than renting on a monthly basis… because capitalism) and I hope we won’t have to deal with them… argh! :)
Gaston
@aral I feel this to my very core. Dealing with them has been like pulling teeth day in and day out. Given that their mobile app offering looks like someone did it as a weekend hackathon project and their tv commercial is for the FIRST online mortgage application in Ireland (it’s 2023 right?), I don’t have hope for them but also they are somehow the best of the worst.
Aral Balkan
@hllizi Little mercies, eh? :)
Dieu
@aral this is so painful to read, I'm grateful posting it may be illegal in Ireland very soon.
Gaston
@aral good luck. If you haven’t already, speak to your branch manager. Our application has stalled and we are revisiting the application in August. We hope to get a positive response when we do but are planning for the worst. (We started the application at the end of 2022).
Aral Balkan
@gastonrampersad Wow, that’s… I have no words. How does anything take that long? (Something tells me I’m not going to like this process.)
Aral Balkan
@FuckElon @kkarhan @chris That sucks so bad. I’m so sorry to hear it. And of course the bank does nothing. Because, of course.
Fuck Elon :mastodon:
We had our European debit card (chip and pin) skimmed in Europe, and it was a nightmare. The number was used in Russia in rapid succession in 20+ transaction, they wiped our bank account, and the bank was "uh... we do not know if this is fraud". The kick of it is that for US to use the card online an authorization via app was needed. But fuckers in Russia buying with strip readers a few hours after we made a purchase in France???Nah! That sounds legit!
Kevin Karhan :verified:
@chris @aral Well, in Europe, Chip + Pin is the norm and contactless payments usually don't allow more than € 25 per transaction or €100 per day - whichever is lower...
Cash is just more normal in Germany and people like myself tend to literally buy cars with it.
So whilst big grocerers will allow you to check out with almost all CCs and Debit Cards [you may have issues with UnionPay, AliPay, DinersClub, AMEX, ApplePay and GooglePay / SamsungPay acceptance] most small kiosks will nope you.
Chris Wiegman
@aral Are debit cards as safe as CCs in Europe? In the US credit is usually safer as my liability is less if someone gets the number. Add to that most have 1-5% “rewards" and I've been using my CC in lieu of cash for 20 years. I'm just curious as this whole interaction sounds like a nightmare. @kkarhan
Aral Balkan
@BradRomance They’re not very smart.
Brad Romance
@aral For me it was when they asked for my most recent bank statement from my current account with a different bank, which I provided, then they said “no your most recent one” and I said “yes, this is my most recent one, I get them every three months, this is the most recent one, here’s a screenshot of my bank’s website showing that this is my most recent one” and they said “call your bank and ask for the most recent one” and I said, again, “THIS IS MY MOST RECENT ONE”.
I’m pretty sure that BOI do their statments quarterly too so I don’t know why this was such a difficult concept for them.
Aral Balkan
@tony Nah, I called them back. The exchange was abridged to fit into a toot ;)
Tony Hoyle
@aral They started out by trying to verify you after they were the ones calling you..
I always want some form of verification from their end first - if necessary I'll call them back on a known number.
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