Today I tried to purchase tickets from First Great Western for a train journey from London to visit my mates in Wales.
I say tried, because after you’ve been through the aggro that is identity theft, nothing that you do with a credit card, especially if it involves anything internationally, is ever easy again.
Being the savvy traveler I am, I began by searching out the best rates online, and managed to find two tickets, round trip for £48 . Considering one round trip ticket, purchased the day of travel was £129, you can see what a great savings it was. So I entered my card details to purchase the tickets.
I was declined.
I tried again and got the same result.
I called my bank, which obviously knew I had more than enough funds to cover the transaction, but they couldn’t find any error and told me to try again.
I did and eventually managed to secure the booking (for about ten quid more than it would have cost me online) and only after two calls to the account specialist, two calls to First Great Western to actually secure and save the tickets and two additional calls to my bank’s Fraud Department.
But the worst part wasn’t all the calls, on both sides of the pond, or being treated like a criminal (more by my bank than First Great Western) but the security questions they asked me to prove my identity.
Far from the usual questions:name of school, mother’s maiden name, your favorite colour; the new questions were multiple choice questions like “What other names have I been known by,” (The correct answer was not a name I’ve ever used, but some bastardization of my name generated by a computer when they can’t fit all of the letters of my name in the number of spaces allotted. )
The other was about age ranges of my sister in law.
I thought that quite odd, considering my relationship with my brother, is generously described as agnostic.
And what about my friends that are the youngest in large Catholic clans. Can they be expected to remember age ranges of their siblings when number one son is collecting a pension while the baby is in her mid 30s?
Surely something can be done?
“No choice,” I was told. “We don’t pick the questions, they’re based on the personal information on you attached to your Social Security details.
While I can understand that tight security demands questions beyond, your parent’s names or details that can easily be Googled, I neither know, or wish to know details of my brother or his family , and I take umbrage to being queried about them.
If proof of my identity, relies on the information I know about marginal people in my life, I’d rather bite the bullet, eschew my lifetime ban on tattoos, and have a barcode inked on my ass.
But first, I guess I’ll need to prove it is indeed my ass?