Scotiabank Security…


I called Scotiabank because they flagged my bankcard, the reason is, it is in China. Now, in late January I called Scotiabank, and told them my plans. I said, “I am going to China, I’ll be there for at least a year, if not more. Also, I will be travelling as much as possible, so please put a note on the account.” They told me it was no problem, then I called back the following day to confirm everything had been noted, and once again was told, “No problem, it is all there.” I haven’t used my bank card much here, but I have used it 4, or 5 times in the past 8 months.

Security questions answered, here we go:
Him: “Have you used your bankcard anywhere more than a small radius around the home address on the card?” 
Me: “Yes, I am in China, have been since February.”
Him: “Please answer my question, have you used your bank card at any other location than your home city?”
Me: “Yes, I am in China, and I am using it.”
Him: “Sir, I cannot help you until you answer my question. Has. your. bankcard. been. used. outside. your. home. city.”
Me: “I don’t know what you are asking.”
Him: *Audible sigh*
*skip the Abbot and Costello routine which lasted about 2 minutes*
Me: “Ok. I am in China. I have used my bankcard here. I do not understand what question you are asking when you say, ‘another location,’ if it is not me being in China” (at least my 7th mention of China).
Him: “You are in China? We do not have a record of you being in China.”
Me: “I called in January to tell you I am in China. Then I called back the following day to confirm there was a note on the file, to say I was going to China. I was told yes.”

Long story, less longer, the problem is fixed.

The question I want to ask is this, how slow is their security if I have been using my bankcard in China since February, and they only just flagged it in October… This gives me cause for pause. Seriously, had my card been stolen, what in the world took 8 months to flag it? Had this happened in February, the first time I tried to use it, I would have been annoyed, but I also would have thought, “Oh, hey, they have decent security. Terrible note taking skills, but security is on the ball.” Instead a thief would have had time to clean out all the pennies I keep in the bank (I am not wealthy by any means), and Scotiabank would have just been there sitting on their hands, doing nothing about it.

Below is how I felt about the 3rd time I answered his question with, “China,” and he told me, “Until you answer my question, I cannot help you.”


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