Banking Customer Confidentiality

[cupotee2]

Senario.....Couple have a joint bank account.

Wife works full time and opens a new bank account in her name only.

Wife pays 2 bills from her own account and husband gets text message from bank alerting him the account has had £x amount drawn...not overdrawn as there is far more than the cost of said bills in the account.

In my mind the bank are so wrong alerting wife's spending on her own account to another person, even tho that person is the husband.

Would you make a complaint to the bank direct, or take it higher for breaking the confidentiality code.

[murraymints]

Wife must have given husbands number as a contact number when she opened the account. ?

[factor-fiction]

Seems wrong but it may depend on the circumstances- are they linked accounts for example? Also, could it just be that the wrong mobile number is shown on the account, and perhaps the wife didn't spot this when setting up the account?

[cupotee2]

No she didn't, she gave her own. The bank had his number for the separate joint account.

[237SJ]

Did the wife link the joint account to the new one?

[cupotee2]

Not linked at all Factor.

[factor-fiction]

So, I'd tell her to establish all the facts from her bank before taking it higher

[cupotee2]

I think she is doing that but it would have made me furious that it can happen at all when the new account was a savings account in her own right.

[factor-fiction]

Some crossed posts there. I'd still suggest she demands an explanation from the bank first. There may be an explanation -something she overlooked. or she may have grounds for a formal complaint

[factor-fiction]

If it's Santander I think it may still appear as a linked account. Maybe you have to specifically state that it's not to be linked

[Peter Pedant]

raise it at the bank sending the text first.

sounz like RBS - they're c+ap. ( and owned like most dogs, by the tax payer)

I agree your details - sorry your frenz - arent your husband's....sorry your frenz' husband's

[EcclesCake]

I've been in a similar position take it to the branch and if they do not address the complaint in a satisfactory manner go through the corporate complaints procedure and onto the Banking Ombudsman if still not properly addressed.

[boxtops]

complain - it's a separate account, I'd be livid.

[Hopkirk]

Shut the account and tell them why.

Open an account with a competitor.

[EcclesCake]

When my account was breached I wasn't livid I was incandescent with rage!

[boxtops]

I don't understand why a bank would alert anyone about legitimate payments made by the account holder in the first place?

[EcclesCake]

Boxtops, similarly I wondered why my husbands bank shared details of my account with him! Hence me going inter-galactic with rage!

[joko]

was this an automated text? or did it seem more personally done?

if she hasnt given them his number, how on earth have they got it and how have they linked it to her account?

unless they have gone searching through records to find 2 accounts from the same address and assessed that you are a couple and decided to send text, then i dont see how it could have happened unless she gave them the number
why would anyone make a search like that?

[DaisyNonna]

I would go straight to the bank for an explanation. If not satisfied, raise Hell.

[pixie373]

I think that's shocking. Go in and see what they have to say.

[cupotee2]

The number they used was one connected to a joint account. The account in question is fairly new and in one persons name only.

I understand a letter has been sent to head office now, so its a wait and see.

Thanks for the replies.