We’ve all had a call from the bank, this is nothing new. However, in today’s day-and-age, why do banks and other organisations we have accounts with think it’s okay to ask for our personal details on the ‘phone?
Several times this week I’ve had a call from my bank. Upon answering, I’ve been told that they want to speak to me about “personal banking matter” and then asked for my personal details. This could be your date of birth, postcode, address, account number or one of many more pieces of personal information. I politely declined, telling the call-centre droid that it was a personal security risk to give this information out on a incoming call. They then proceeded to give me a number to call back on, which I also declined for the same reason. When I called my bank to ask about the call, they told me I did the right thing by not giving my personal information, even though it appears that it was them who called me!
We all know about about identity theft. Many of us have heard of social engineering, so why do supposedly reputable organisations insist on using such poor practice to try and contact us? Surely, we all know that someone can easily ‘phone you and pretend to be someone they’re not? Caller-Line ID is easy to fake if you know how so even the ‘phone number isn’t much use to you.
The FSA should produce guidance on this and banks and other organisations should agree never to ask for information in this way, to help stamp out unintentional information disclosure to nefarious third parties.
But why don’t these organisations seem to care? The answer is simple, all they care about is profit. They are not actually concerned about safeguarding you as long as they turn a profit and as long as it does not harm their reputation. The only way this behaviour is going to stop is if we all refuse to give out this information and make their calling not worthwhile.
So, next time someone calls you like this, I urge you to politely decline to give information. It’s safer for you and if enough of us do it, these organsations will stop trying their luck.