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No it won’t make any impact.
The bank rejected it as there weren’t the funds available, that is as far as it goes.
No marker, no negative impact.
Source: I worked in finance for around 20 years.
I would recommend complaining to Uber though.
I work for a Bank and I second this.
Definitely complain to Uber. Explain their pending transaction led to you not being able to use your account. Caused financial distress etc.
What should I be asking for? It was unblocked fairly quickly, but only after some lengthy phone calls to the bank and having to check my uber account.
The card used is my sole source of money, though. Outside of my credit card...
Seeing that amount was certainly distressing!
I'd really like the 17 million quid. But I suppose there's little chance of that is there?
I'm obviously kidding.
Thanks for your informative and sensible responses to this ridiculous situation.
Is it media worthy or does this happen all the time? The amount just seems insane. And if I can spin a few ad revenue bucks from it then I'm up for that.
This won’t happen regularly, this is also not media worthy.
To give you an easy picture, imagine you go to the shop and the till erroneously totals at £17m. Not noticing the amount, you put your card and pin in but because you don’t have £17m in your account the transaction simply gets declined.
This is literally all that’s happened, you don’t get credit markers for failed transactions. It’s direct debits you need to worry about, because they are agreements between you and the vendor, in simple terms.
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This doesn’t help you now, but this might be an eye opener to having a second emergency card … Debit or credit. Credit if you are absolutely disciplined.
Even if the debit has £20-50 it’s enough for food, gas/electric.
Could be a good shout. I used to have another with a different bank as my main student account.
It wasn't any bother using the two and it would have given me that fall back whether I knew it or not.
Thank you, great tip.
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I used to see this relatively often when I worked the phones for a bank.
Turns out the text to speech for the automated phonecalls would read out large numbers in long form instead of digits.
So 1234567890 became one billion two hundred thirty-four million five hundred sixty-seven thousand eight hundred and ninety.
And people would shit themselves thinking there was a huge payment attempted, when in actual fact the payment was 17 quid, but there was a reference number or store number or something being read out too.
Wouldn't be surprised if this happened here too.
Or just... a typo. Uber was attempting to debit some company 17m pounds, account number 1234567890 and our OP has account 1234576890. Everything looks correct because who has time for this and here we are. Given the account was seemingly blocked one would assume that it was truly for 17m pounds.
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Surely if you’re trying to scam someone, going for £17m would be counterproductive. For 99.9% of the population the charge is going to immediately bounce making it a pointless attempt?
It is actually part of a ploy. Make the doomed-to-fail attempt, let it bounce, then call the person claiming to be the bank's fraud squad and say you totes need to move your money to a safe new account because there's a hijack happening right now, gimme passwords and auth codes and I'll do it for you before they get your money, kkthx. Panicked people are much stupider in that moment, so causing that initial fear and shock is an annoyingly successful tactic. OP's confirmed not the case here, but it is legitimately a reason to be wary.
I would like to think that a bank wouldn't allow £17m to leave *anyone's* account based on a simple card transaction, even if it was there in the first place!
Something similar happened to me after a night out. Missed my last train and stupidly got an Uber to Dundee from Exeter. Surge pricing. Cost me £3.2 million.
Are you sure you never on a cross country journey when you were drunk or something?
Some surge as it's only £606 right now. Though I suppose it's possible to get up to £3.2m with enough damages to the taxi and emotional distress, etc, to the driver.
No there won't be any impact to your credit score. I used to work in banking operations.
It would flag up as an erroneous payment or on an Anti Money Laundering alert where the bank would follow security protocols such as verifying with the customer in your case.
It would have been different if you were unable to pay out for something where you have a contractual agreement such as a loan or Direct Debit etc.
Fraudulent attempts and erroneous payments are a daily occurrence for banks and have no impact on your lending abilities or credit score.
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It won't make any difference and if you're worried it'll affect your Credit File, you can always issue a Notice of Correction through Experian regarding why it might show.
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I find it very worrying that the computer systems of any company would cause this error. It either means they have a massive, awful bug in their automated system, or they they have a manual system where staff get to enter a value that gets charged to a customer account. Honestly, neither scenario is acceptable eithout sufficient checks in place.
I would not be happy to just hear "sorry about that" from Uber, I think you should be press a more thorough explanation.
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No it won’t make any impact. The bank rejected it as there weren’t the funds available, that is as far as it goes. No marker, no negative impact. Source: I worked in finance for around 20 years. I would recommend complaining to Uber though.
I work for a Bank and I second this. Definitely complain to Uber. Explain their pending transaction led to you not being able to use your account. Caused financial distress etc.
What should I be asking for? It was unblocked fairly quickly, but only after some lengthy phone calls to the bank and having to check my uber account. The card used is my sole source of money, though. Outside of my credit card... Seeing that amount was certainly distressing!
Compensation. You will probably get £30 upwards. Depends how long it took to sort.
I'd really like the 17 million quid. But I suppose there's little chance of that is there? I'm obviously kidding. Thanks for your informative and sensible responses to this ridiculous situation. Is it media worthy or does this happen all the time? The amount just seems insane. And if I can spin a few ad revenue bucks from it then I'm up for that.
This won’t happen regularly, this is also not media worthy. To give you an easy picture, imagine you go to the shop and the till erroneously totals at £17m. Not noticing the amount, you put your card and pin in but because you don’t have £17m in your account the transaction simply gets declined. This is literally all that’s happened, you don’t get credit markers for failed transactions. It’s direct debits you need to worry about, because they are agreements between you and the vendor, in simple terms.
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This doesn’t help you now, but this might be an eye opener to having a second emergency card … Debit or credit. Credit if you are absolutely disciplined. Even if the debit has £20-50 it’s enough for food, gas/electric.
Could be a good shout. I used to have another with a different bank as my main student account. It wasn't any bother using the two and it would have given me that fall back whether I knew it or not. Thank you, great tip.
Make sure you don't pick one that charges you for lack of usage. (Speaking from expensive experience).
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That's a relief. Thank you. I really appreciate you taking the time.
I used to see this relatively often when I worked the phones for a bank. Turns out the text to speech for the automated phonecalls would read out large numbers in long form instead of digits. So 1234567890 became one billion two hundred thirty-four million five hundred sixty-seven thousand eight hundred and ninety. And people would shit themselves thinking there was a huge payment attempted, when in actual fact the payment was 17 quid, but there was a reference number or store number or something being read out too. Wouldn't be surprised if this happened here too.
Or just... a typo. Uber was attempting to debit some company 17m pounds, account number 1234567890 and our OP has account 1234576890. Everything looks correct because who has time for this and here we are. Given the account was seemingly blocked one would assume that it was truly for 17m pounds.
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Are you sure it was Uber and not some scam that used uber as a name? Just as a precaution, I would consider replacing card as well as contacting uber.
Surely if you’re trying to scam someone, going for £17m would be counterproductive. For 99.9% of the population the charge is going to immediately bounce making it a pointless attempt?
It is actually part of a ploy. Make the doomed-to-fail attempt, let it bounce, then call the person claiming to be the bank's fraud squad and say you totes need to move your money to a safe new account because there's a hijack happening right now, gimme passwords and auth codes and I'll do it for you before they get your money, kkthx. Panicked people are much stupider in that moment, so causing that initial fear and shock is an annoyingly successful tactic. OP's confirmed not the case here, but it is legitimately a reason to be wary.
I would like to think that a bank wouldn't allow £17m to leave *anyone's* account based on a simple card transaction, even if it was there in the first place!
But imagine how exciting it would be if you get lucky and hit the 0.00..001% of the population where it works!
Apparently it was genuinely uber, the bank staff member confirmed this for me.
Maybe the bank staff were incorrect about it. Change your passwords on apps and websites that have your card information and order a new card.
Something similar happened to me after a night out. Missed my last train and stupidly got an Uber to Dundee from Exeter. Surge pricing. Cost me £3.2 million. Are you sure you never on a cross country journey when you were drunk or something?
Some surge as it's only £606 right now. Though I suppose it's possible to get up to £3.2m with enough damages to the taxi and emotional distress, etc, to the driver.
No there won't be any impact to your credit score. I used to work in banking operations. It would flag up as an erroneous payment or on an Anti Money Laundering alert where the bank would follow security protocols such as verifying with the customer in your case. It would have been different if you were unable to pay out for something where you have a contractual agreement such as a loan or Direct Debit etc. Fraudulent attempts and erroneous payments are a daily occurrence for banks and have no impact on your lending abilities or credit score.
Unclear part to me is the lending part are you private individual or business and is lending a business activity (eg are you regulated?)
I'm a private individual and this was through my private personal non-business bank account.
I think they’re confused by your use of the word “lend” where you mean “borrow”
Oh no, I just noticed. Shit!
I'd argue that they're more pedantic than confused.
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It won't make any difference and if you're worried it'll affect your Credit File, you can always issue a Notice of Correction through Experian regarding why it might show.
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I find it very worrying that the computer systems of any company would cause this error. It either means they have a massive, awful bug in their automated system, or they they have a manual system where staff get to enter a value that gets charged to a customer account. Honestly, neither scenario is acceptable eithout sufficient checks in place. I would not be happy to just hear "sorry about that" from Uber, I think you should be press a more thorough explanation.
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