My bank's app decided I was a robot and locked me out for 48 hours

This happened last Thursday afternoon. I was trying to send a $275 payment to my contractor for a fence repair. I logged in, hit send, and the app just froze. I closed it and tried again, and it said my account was locked for 'suspicious activity.' I called the support line, and after 45 minutes on hold, the guy told me their fraud system flagged me because I logged in from my home Wi-Fi, then my mobile data when the Wi-Fi was slow. He said the lock was automatic and would take 'up to two business days' to clear. I had to drive to a branch on Friday with a paper check. Has anyone else been flagged by their own bank for just using their phone normally? What's the dumbest reason you've been locked out?

3 comments

3 Comments

derek9946d ago

Up to two business days" is the real crime here.

allen.ivan6d ago

My own bank once locked my card because I bought a tank of gas and then a coffee across the street. I guess my Saturday morning was just too wild for them. You'd think they'd want me to be awake for the drive home.

kim8195d ago

Yeah, I got locked out once for buying a plane ticket and then a sandwich at the airport. The fraud guy said the two purchases were in different terminals so it looked weird. I had to call and verify it was me. Now I just call them before I travel and tell them to note my account. It's a hassle, but it beats being stuck without a card.