Caller: “I think my grandson has been making withdrawals from my account.”
Me: “I can see several cash withdrawals from ATMs over the last few days.”
Caller: “Yes, it’s him. The first one is legitimate; I gave him my card and asked him to withdraw some cash for me, but he hasn’t been back since then.”
Me: “Ma’am, for him to have done that, he would need to know your PIN. Did you tell him your PIN?”
Caller: “Of course I did! How else would he have been able to get the cash?”
Me: “Ma’am, we inform all of our customers that your PIN is not to be shared with anyone, even close family. That prevents this kind of thing from happening. Would you like us to raise a fraud report so that you can link it to the police report?”
Caller: “What police report?”
Me: “Well, I assume you’ll be calling the police since you admit your grandson is stealing from you.”
Caller: “Of course not! He’s my grandson!”
Me: “Well then, all we can do is cancel your card and send you a new PIN.”
Caller: “No, I don’t want a new PIN. I’ll forget it. I always just make it the year I was born.”
Me: “Ma’am, I can see your date of birth in your files. You’ve effectively now just informed me of your PIN.”
Caller: “Oh. Well, anyway, can I get my money back?”
Me: “We can’t make your grandson give back the money.”
Caller: “Don’t you have some kind of fraud protection insurance thing?!”
Me: “We do, but our fraud protection only works if you meet certain criteria. We cover it if it’s an error on our side, and sharing your PIN with everybody is… not one of those.”
Caller: “So what can you do?!”
Me: “I’ve already canceled your card and sent out a new one with a new PIN. Please don’t share it with anyone else.”
Caller: “I’ll just change it back to 1949 again since I can’t remember anything else. Well, you’ve been no help at all!” *Click.*
Related:
PIN-Headed, Part 33
PIN-Headed, Part 32
PIN-Headed, Part 31
PIN-Headed, Part 30
PIN-Headed, Part 29