I mean, if you're laundering cash through a major bank, you'd probably need some serious inside connection to make sure nobody bothers you, especially since everything at the top seems to be pre-arranged anyway.
Trying to wash money through a bank like that without any help? It just seems so... I don't know, reckless. 😵
Laura Chavez93 said:Interesting enough—but I wonder what the IRS actually gains from this data when they likely already have access to most of it... And anything they lack can simply be obtained from the police—specifically through their tax ID... Americans... They simply have no clue... I find myself wondering—who exactly have they been granting citizenship to lately? 🤣 So, there is no official registry for political party members or politically exposed persons? That seems... problematic. And the most fascinating part—if one can even call it that—is that this entire charade unfolds without any legitimate basis or provocation... people are being branded as money launderers or, heaven forbid, being a terrorist, simply because they hold an account at a bank like Chase. 🙂
And let's be real, everyone knows terrorists use credit cards. 😁
A solitary cat—is there anything more peaceful? It’s a quiet sort of companionship, really—just you and a little shadow drifting through the house. kaže: There’s just no legal basis for it—I’ve checked with a few experts on the matter, and honestly, isn't it true that you can't exactly force or badger people into filling out a questionnaire if they simply don't want to?
Honestly, I’ve reached my limit—I am just done with their constant harassment, and frankly, I'm over it.
They aren't doing this because they want to pester clients or drive them toward competitors—it’s actually because they’re forced to collect those client questionnaires. By law, they can't technically provide services to anyone who hasn't completed one, which would mean closing accounts for everyone who skipped it—but they don't want to go that route. Instead, they just force some poor teller at a branch to call people at home, only to end up being insulted personally? It’s complete nonsense. First off, the questionnaire itself is useless—a total waste of resources—because someone actually involved in crime or terrorism isn't exactly going to tell the truth. And if they were truly committed to this ridiculous idea, why not make it a federal requirement? If they had integrated it into something like an IRS tax filing app, everyone would probably just fill it out without a second thought.
I think you've got it all wrong.
They do it because they want all that data on customer habits. And, well, they'd love to get it for free. 😁
As for the account, I'd love to hit them with a $125,000 deficit and let them close it themselves. Good luck trying to collect that debt... 🙂
I mean, what kind of normal person is actually going to say, "Yeah, sure, I fund terrorism"? It's just like when you apply for a US visa and they ask—are you being a terrorist? 🤣
David Garcia21 said:Three days? It's not like the Constitution is a massive novel. Stop making statements and just ask a question.
Same here with people digging through their wallets looking for change. "I don't have it," "Wait, there it is," dropping coins on the floor, the cashier grabbing them from the customer, or insisting on exact change. Or when someone shows up with a $167, and there's no cash to make change, so they're running to the next register or hunting down the manager...
There is.
Okay, so does anything like that actually exist in the Constitution or what? And what does it even say?
I feel the exact same way when someone’s digging through their wallet, hunting for change. It’s like, oh, there isn’t any, then wait, there is, then it drops on the floor, then the cashier just grabs it from the customer's hand, or they insist on giving back every single cent, or when someone shows up with $167, and there’s no change left, so they have to run to the next cashier, then to the shift manager...
In some big retail chains out here, they’ve actually set up lanes specifically for card payments, mostly because the cash customers were complaining about how slow the system gets.
The opposite wasn't really an issue.
If you look at some studies, maybe—I think it's around 30%—cash lanes actually move faster than the ones using cards.
It exists.
Which card is totally free? Like, zero fees, no interest, no transaction charges, no monthly maintenance... nothing.
Walter Thomas18 said:Not a single store is going to give goods to a stranger without issuing a receipt just because the power is out. Nobody is going to risk a fine for you. Whenever the power goes out, stores close. I have never experienced people buying things from a shop where the registers aren't working due to a blackout.
The credit card processing system was down for like two days in America recently, wasn't it? So what are you supposed to do during those two days while their whole system is a complete mess?
Those machines are honestly useless sometimes, which is so frustrating, because it feels like something is always broken. Then a woman pulls out the wrong card, so he swipes it five times because she insists, then, okay, let's say there's no money, so she pulls out another one, and then this happens, then that happens... man, I just want to pay with cash, have my money in my pocket, and call it a day. That should be my right.
But honestly, even those long-term savings accounts get hit with negative interest rates too. 🤣
I mean, why would they even care about your money, when they can just print more whenever they feel like it?
It’s not really like they’re forcing you to withdraw everything... it's more like they're nudging you to spend it instead. Because if you don't, then that negative interest kicks in. And once that happens, I guess you won't even be able to get your hands on your own cash.
So, is there even such a thing as a free credit card out there?
And honestly, why would I even bother using a bank at all? It feels kind of pointless, I guess.
I mean, eventually they’ll just start hitting you with negative interest rates, and then you’d probably have to go find someone else to lend your own money to just so you don't get stuck paying those negative rates yourself... which I suppose is how the bank ends up making their profit off them anyway. 😁
I guess I should probably start by saying that things feel... different lately. Maybe it’s just me, or maybe I’m overthinking everything, but there's this sense of weight in the air, you know? Like we're all just waiting for something to shift. I was sitting there, just thinking about how much has changed, and I started wondering if anyone else feels that weird, restless energy. It’s hard to put my finger on it, honestly. I mean, I don't want to sound like I'm being dramatic—I really don't—but it feels significant. Just an observation, I suppose. Or maybe just a random thought spinning around in my head while I try to make sense of it all. I guess we'll see. kaže: Why even bring up the Constitution when you clearly haven't actually read it? I mean, I guess... maybe you think you know, but it's a big document, right? It’s easy to just toss terms around without really digging into the actual text. Just a thought, I suppose. 🤔
Because I just want to know what it actually says about that part, you know? I don't really have the patience to waste three whole days digging through the entire thing myself... I guess.
Man, I wish everyone around here would just start taking cards already. Honestly, having to deal with cash just stresses me out... I don't know, maybe it's just me, but it really gets on my nerves.
It honestly drives me crazy when someone pays with a card and they have to swipe it seven different times, then wait for the machine to process, then wait for a signature, then this and that... it's just so incredibly slow. I mean, it gets to the point where maybe retailers could actually just hike up their margins just because the system is such a drag, you know? Just so they don't lose out on profit while everyone stands there waiting.
I mean, I'm thinking that making changes like that would probably require some amendments to the Constitution... but hey, maybe someone can set me straight if that's not actually how things are laid out in the Constitution.
I mean, the issue goes way deeper than just some glitchy credit card transaction.
Who actually has the right to tell me I have to keep my money sitting in a bank account? Honestly, if I want to keep my cash tucked away under my mattress, that's my business. I don't really trust the big banks, and if I recall correctly, both the Constitution of the European Union and the Constitution of the United States give me that kind of freedom.
I mean, honestly, once politicians start getting able to take bribes through credit cards, that’s when cash will finally be kicked out of America for good. 😁
placidmaker6 said:I’ve been with my bank for over 25 years, and yet, they just had the nerve to ask me yesterday—during an actual meeting with my personal banker—what my most common transaction types are and what my typical maximum spending limit looks like. Isn't the first part a bit redundant since it’s all right there in their own system? Honestly, though, giving them a heads-up on expected high-value transactions actually makes sense; wouldn't that make spotting and proving fraud way faster?
I mean, obviously, you aren't going to have massive transactions every single day, right?
Like what Krkimir was saying... I mean, what are they supposed to do? Sell a house? If the money lands in the account, should they just block it because it looks suspicious? Haha, give me a break...
Laura Chavez93 said:But why would they even need it? 🤷 Regardless—if they claim they won't take that data outside their system, citing some legal requirement that forces their hand, why don't they just handle it internally? I have nothing against a bank utilizing the data already in their possession, but I certainly object to being harassed with information they should already have—for instance, a woman mentioned being called on her cell phone just to be asked what her phone number was.🙂
Haha, we’re basically the same person... except when I need to withdraw my cash, I actually have to drag myself down to the local Chase branch, which is such a pain. But I usually just give them a call a day or two ahead of time to set everything up, and then I just walk in, grab my money, and tell them I don't want to hear any excuses—it's my cash, period. 😁
They asked for a ton of paperwork, I honestly have no clue what all of it was, nor did I really care to find out... I mean, it’s not like I actually believe any of it, but still, that's why I'm asking.
This is honestly top-tier. I mean, normally if you want to close your own account, you have to deal with a week of endless paperwork and just fighting with the Bank, but this way? You basically just decide to give them hell and they'll just shut the whole thing down themselves for free.
David Garcia21 said:It’s not about borders. The USA has a worldwide tax policy for its citizens. And look—they actually managed to control that. That’s exactly what the EU and everyone else should be focusing on.
I don't quite get what you mean by there being no ins or outs? I mean, obviously there are—we're talking about money here! How is an American supposed to send cash over to the EU? It has to go through a bank or some other payment method; there isn't really any other way. All of that has been under supervision for a long time now.
If you're receiving a package, it has to pass through one of those delivery services and arrive via a ship or a plane. And... well, I guess that's pretty much all there is to it.
If they can't even manage their own borders or control who's coming and going... well, I guess there's really nobody to blame but themselves at that point.