beth asked in Business & FinanceCredit · 6 months ago

Text message from bank (Santander) asking about a recent transaction...?

Basically, yesterday I went to buy wedding insurance online and it wouldn’t let me, it stated “the card has declined” so my partner redid it then paid for it on his card, within that time I had a text from Santander saying my card had been used on such and such website for a fee of £100 reply yes if these are your transactions or no if you don’t recognise them, I didn’t respond as I was scared if I said yes they would charge my card (as well as my partner just paying out) so I left it and rang them they said it was fine and they just wanted to double check it wasn’t fraud but sinc then I’ve had 3 calls from a voice automated fraud Santander line asking me to confirm or decline the transaction so I’ve just stated yes as I didn’t want to type no and have my card blocked but now I’m worried the transaction will go through again... so I don’t know what to do if it does...

5 Answers

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  • 6 months ago

    They will not attempt to re-process the transaction, so I wouldn't worry.

    What I would do is call the bank...

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  • 6 months ago

    Since the transaction was denied from the card being declined, there was no traction. Reply "no". Then call them to ask why it was declined.

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    • Jessica6 months agoReport

      Replying no could very well end up with the account being frozen due to potential fraud and them issuing a new card which isn't necessary because the OP did authorize the transaction. It was alerting them because of either the amount, type of purchase or vendor or it's out of their normal habits.

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  • Tavy
    Lv 7
    6 months ago

    Talk to them and get it sorted out.

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  • Katie
    Lv 6
    6 months ago

    Go into your nearest branch and tell them what has happened.

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  • Anonymous
    6 months ago

    Sound like a scam.....

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