I noticed a discrepancy between my recorded transactions and the 'funds available' amount (which differs from my balance as the transactions are reserved but not yet posted) on my online banking current account. I rang the bank and they detailed two online transactions (not yet visible online) for yesterday which I did not make and which account for the discrepancy. I blocked the card and requested a new (ATM only) card.
That's all straight forward however I find it incredible that they are unwilling to cancel the transactions or contact the retailers re dispute or do something, anything. Instead I apparently have to wait to see if the transactions are posted before they expire (in 3 weeks) and if so complete a dispute form. I asked how that is any way to tackle fraud but got no answer. Is it fair to assume that this is typical of how banks handle such?
That's all straight forward however I find it incredible that they are unwilling to cancel the transactions or contact the retailers re dispute or do something, anything. Instead I apparently have to wait to see if the transactions are posted before they expire (in 3 weeks) and if so complete a dispute form. I asked how that is any way to tackle fraud but got no answer. Is it fair to assume that this is typical of how banks handle such?