Barclays Spooked me Pretty Good

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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onion
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Barclays Spooked me Pretty Good

Postby onion » Tue Aug 12, 2014 9:28 pm

Logged in to my account just to check out the Barclaycard website some more and got this popup.

Image

I haven't received my card yet, so I was pretty concerned and called them up. Turns out they just had some security questions for me. They asked about my vehicles, verified my address, and then the guy let me know that my card shipped out today and should be here in about a week. Terrified me, but all went better than expected.

To those of you familiar with Barclays, why do they ask about vehicles? They've never been financed or anything, I bought my car and motorcycle outright.
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MemberSince99
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Postby MemberSince99 » Tue Aug 12, 2014 10:06 pm

They asked those questions because they are things on your credit report that only you presumably would know - they were verifying it was you.

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onion
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Postby onion » Tue Aug 12, 2014 10:11 pm

MemberSince99 wrote:They asked those questions because they are things on your credit report that only you presumably would know - they were verifying it was you.


I didn't know vehicles showed up on credit reports. Learned something new today.
FICO TU - 728 - 8/14

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Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

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Postby Battery111 » Tue Aug 12, 2014 11:18 pm

onion wrote:I didn't know vehicles showed up on credit reports. Learned something new today.


I can't imagine why a vehicle would show up on your credit report if you paid cash. I've never seen anything on my credit reports about my vehicles.
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onion
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Postby onion » Wed Aug 13, 2014 12:07 am

Battery111 wrote:I can't imagine why a vehicle would show up on your credit report if you paid cash. I've never seen anything on my credit reports about my vehicles.


Me either. I was especially surprised to learn this because I've seen my full TU report (which is what they pulled) recently and there was no mention of vehicles.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

MemberSince99
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Postby MemberSince99 » Wed Aug 13, 2014 6:31 am

Good point there I missed that you hadn't financed them. Good question.

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Aug 13, 2014 9:47 am

Maybe it's a matter of testing you on information that isn't on the credit report.

As one test to see if an identity thief was impersonating you, an issuer could pick a totally random date and ask, "who was born on June 19, 1980?". A lot of identity thieves may panic and answer "my dad" or something like that - and the odds of a coincidence are pretty low.

A lot of people lease or finance vehicles. By asking about your vehicles, and gently implying that you financed them, it relieves them a little when you tell them you purchased them outright. A thief might answer "I got a loan from the bank" without specifying the bank or loan terms. The fact that someone impersonating you would refer to a car loan that doesn't appear on your credit report would alert them to a possible act of identity theft.
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onion
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Postby onion » Wed Aug 13, 2014 12:32 pm

CarefulBuilder14 wrote:Maybe it's a matter of testing you on information that isn't on the credit report.

As one test to see if an identity thief was impersonating you, an issuer could pick a totally random date and ask, "who was born on June 19, 1980?". A lot of identity thieves may panic and answer "my dad" or something like that - and the odds of a coincidence are pretty low.

A lot of people lease or finance vehicles. By asking about your vehicles, and gently implying that you financed them, it relieves them a little when you tell them you purchased them outright. A thief might answer "I got a loan from the bank" without specifying the bank or loan terms. The fact that someone impersonating you would refer to a car loan that doesn't appear on your credit report would alert them to a possible act of identity theft.


That makes a lot of sense, thanks for the reply. The only other thing (I may be way wrong and misinterpreting) is that when the agent asked me about my car, I told him about my car, but he acted a bit odd and his tone was slightly different, almost disapproving. He then asked if there was anything else (he specifically asked about cars) and I told him about the motorcycle. His tone changed again, almost as if I had given him the right answer. I'll probably call them up just to ask about it and get a definitive answer, but it definitely sounds like you're right. I'm just wondering if there was anything else.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Aug 13, 2014 1:09 pm

onion wrote:That makes a lot of sense, thanks for the reply. The only other thing (I may be way wrong and misinterpreting) is that when the agent asked me about my car, I told him about my car, but he acted a bit odd and his tone was slightly different, almost disapproving. He then asked if there was anything else (he specifically asked about cars) and I told him about the motorcycle. His tone changed again, almost as if I had given him the right answer. I'll probably call them up just to ask about it and get a definitive answer, but it definitely sounds like you're right. I'm just wondering if there was anything else.


I'm not sure what to make of that. If he was expecting to hear you say the word 'motorcycle', that still doesn't explain how he knew you had one, since you bought it outright.

Maybe you had considered financing the motorcycle, and the dealer did a credit check, but you decided not to use debt? If he saw you had a hard pull from Harley-Davidson, and you said you drove a sedan or SUV, that could trigger an alarm.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

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onion
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Postby onion » Wed Aug 13, 2014 1:17 pm

CarefulBuilder14 wrote:I'm not sure what to make of that. If he was expecting to hear you say the word 'motorcycle', that still doesn't explain how he knew you had one, since you bought it outright.

Maybe you had considered financing the motorcycle, and the dealer did a credit check, but you decided not to use debt? If he saw you had a hard pull from Harley-Davidson, and you said you drove a sedan or SUV, that could trigger an alarm.


I never went to a dealer, I called up some guy off Craigslist, showed up with cash and bought the bike, that's why I'm so confused. Same with the car, private transaction and paid cash. I tried calling but there was a long wait time so I'll try again a bit later and report back.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000



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