Metropol

I had £400 of Nectar points stolen a few years ago. They were all immediately reinstated.

Must be a problem that costs millions, you'd think by now they'd have added a PIN or something (that doesn't rely on you having the app!).

I think the points lock thing is new. Someone in Birmingham spent £80-odd of my points a few years ago, and support restored them with no quibbles. As you say, it must be costing them a bomb.