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Posts by Lawrence Cruz

122 posts shown.

Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
JPMorgan Chase definitely doesn't offer that. If you look at the fee schedule over on the Erste Bank website:

CASH DEPOSITS AT BANK BRANCHES
01.02.01.01.00. Cash deposits or transfer orders credited to consumer checking, savings, or loan accounts at the Bank — No fee

Reading through the fee structures for Bank of America and Chase is a bit vague—not very clear, really. But hey, if you've dealt with it firsthand, who am I to argue? 🙂
Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
Raymond Rivera6 said:If you are making a deposit into a savings account, whether it belongs to an individual or a business, you are almost always going to face a fee, regardless of which bank you walk into. Deposits made into a checking account generally don't incur fees if you're staying within the same bank, so I’m guessing you were attempting a transfer into a savings account.

Which bank actually charges for deposits made into a personal checking account held at that same institution? From what I can tell, neither JPMorgan Chase, the Federal Reserve, nor Bank of America does.
Aetna supplemental insurance in Banking, Insurance & Loans ·
Most private insurance providers—anywhere outside of Medicare—already handle things this way. You just pay for the exam or the medication upfront and then file for reimbursement 🤷
2012 Housing Loan Subsidies (Associated Press) in Banking, Insurance & Loans ·
It’s official. The Associated Press has already started processing the requests that were sitting in queue waiting for the increase—as long as the paperwork is in order, they should clear. From what I gather, there’s also room for about 30 new applicants.
Dealing with hemorrhoids – any advice? in Health ·
vividsailor7 said:The blood isn't from the antibiotic—along with your probiotic, you can apply some neutral creams to the area (like Calendula or maybe some Pavlovic ointment). That itching could definitely be a side effect of the antibiotics.

Thanks!!!

I’ll definitely keep a close eye on things—if it doesn't settle down within a few days after I finish the course, I'll reach out to my doctor.
Dealing with hemorrhoids – any advice? in Health ·
I wrapped up one antibiotic at the end of last year, and I started a different one for the new year. My sinuses—which I had surgery on a few years back—have flared up again. I’m currently spending a few days at the McKinley clinic. To make things a bit more interesting, I noticed a few drops of bright red blood after using the bathroom this past Friday. My stool was a bit harder that day, though nothing unusual. Usually, my digestion is pretty routine—I go, and I'm done. Naturally, I panicked on Friday. After a little while, I went back to check if there was anything else, and there was. Everything seemed fine on Saturday, but today it happened again. Stool is normal this time.
So, could this be caused by those antibiotics? 🤷 To be honest, everything down there—including my anus—was incredibly itchy following my time at McKinley. My gynecologist prescribed some vaginal suppositories and a cream, which helped significantly. But now, this bleeding is worrying me. I have this uncomfortable sensation, plus a slight stinging. Because of the McKinley visit, I've been taking a probiotic since my doctor mentioned that diarrhea is a common side effect (something we both saw on the instruction sheet). I can't tell if I just avoided the issue or if the probiotic actually helped. I don't perform any self-exams, but that area feels quite sensitive. Could this be a side effect of the antibiotics? Or perhaps the early stages of hemorrhoids? I realize that providing an accurate diagnosis this way is difficult—if not impossible—but...
Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
wearygardener7 said:The real issue is that no one's account was actually debited because that isn't even possible (as far as I know)... the money was transferred... honestly, it's out of my hands, and if things are really the way you guys say they are, then whoever made the mistake should be the one to foot the bill...🤷☕🤷

And suddenly, cash falls from the sky. ☕ Whether it was taken from an account or plucked right out of a wallet doesn't matter. Besides, go back and read what I actually asked:
Lawrence Cruz said:Sure, go ahead—don't sign anything. You spent money you didn't actually have to begin with, but whatever. 🤦I’m curious, though—would you be just as calm if someone else arbitrarily wiped funds from your bank account?

You can keep going in circles—and I mean really going in circles, like a broken record—debating who’s at fault here, but the reality remains the same: you spent money that wasn't yours.

Nicole Long28 said:@Lawrence Cruz

I didn't realize that "morality and ethics" were only mentioned on the PDF. I guess the money wasn't just snatched from the account without reason; maybe someone was just being careless during the transfer.

@wearygardener7
The person making the payment definitely messed up. If a bank error had occurred, they probably would have just reversed it without even asking you.

That isn't quite accurate, but honestly, it doesn't matter who messed up or how.

Nicole Long28 said:@Lawrence Cruz

I didn't realize that "morality and ethics" were only mentioned on the PDF. I guess the money wasn't just snatched from the account without reason; maybe someone was just being careless during the transfer.

@wearygardener7
The person making the payment definitely messed up. If a bank error had occurred, they probably would have just reversed it without even asking you.

And the point is ....
Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
Sure, go ahead—don't sign anything. You spent money you didn't actually have to begin with, but whatever. 🤦I’m curious, though—would you be just as calm if someone else arbitrarily wiped funds from your bank account?

You can keep going in circles—and I mean really going in circles, like a broken record—debating who’s at fault here, but the reality remains the same: you spent money that wasn't yours.
Personal loan ads: Legit or scam? in Banking, Insurance & Loans ·
So, what's the point?

I’m telling you—there’s no physical address, no verified phone number, and anyone can spin up a Gmail account with whatever alias they want.
Personal loan ads: Legit or scam? in Banking, Insurance & Loans ·
I honestly don't know, but I have zero faith in any lending services operating outside of traditional banks.

Here is what caught my eye:
The claim that funds are disbursed within five days exclusively through a bank => but which bank? => If they are using a bank for payouts, does that mean the transaction is being processed internally? => Because if it's handled by a bank, how exactly are they bypassing credit blacklists and the Federal Reserve? 🤷

On top of that, they haven't even listed a physical address or a landline—just a generic @gmail.com email.
Chase Online in Banking, Insurance & Loans ·
A thirteen-digit number would be the Social Security number 🤔 Personally, I’d probably go with the Tax ID. I don't think it'll fly without referencing a specific identification number 🤷
Zaba fan possibilities in Banking, Insurance & Loans ·
That error pops up while you're trying to process the order. I'm honestly not sure how many free transactions that Zaba fan actually allows per month. If there’s a free tier, you won't see a charge—but if not, you're looking at a fee of 1-$0.67.

As far as I know, PayPal 🙂 handles things like that.
JPMorgan Chase Go!Card help? in Banking, Insurance & Loans ·
🤦

Banks typically quote their rates on an annual basis. For instance, if you see a 12% APR, the interest is actually calculated and billed on a monthly basis.
JPMorgan Chase Go!Card help? in Banking, Insurance & Loans ·
Interest is calculated monthly based on your remaining principal balance.

My advice—pay it down as soon as you can.
Mistaken wire transfer/payment error in Banking, Insurance & Loans ·
I’ve heard about those collection agencies before—just look them up on Google. My husband’s company uses them too. They were practically the only effective way to collect outstanding debts, especially back before the new enforcement laws kicked in. Here is how it works: they buy your debt outright. The agency pays the company a lump sum very quickly, just minus a certain percentage. For example, a firm might take 90% of a debt they probably wouldn't see coming for ages, and then the agency goes after the debtor for the full amount plus interest and fees.

@1142007 ... Go down to Verizon and don't leave until they get this sorted. It's October 26th—meaning they've been "processing" your complaint and refund request for over a month now. This is the kind of thing that should be resolved in a day or two.
Quick way to switch subforums? in Forum Help! ·
So, we’re voting on whether to bring back the former manager 😁

For what it's worth—I'd vote yes. 😍
Zaba fan possibilities in Banking, Insurance & Loans ·
Ryan Carter52 said:Just speaking from my own experience, I don't have any fancy bundles or special checking plans, just a basic account where I get a couple of deposits a year, and during the months where nothing happens, they don't seem to take anything out at all, I guess.
I also think they have a policy where if you don't have more than $17 in there or show any activity for maybe 6 months, they just close the account automatically.
Actually, I think it used to be 6 months, but maybe it's been a full year now, I'm not entirely sure.

You should probably take a look at your transaction history—because whether you're moving money around or not, they are almost certainly hitting you with a service fee. 😉

As for that whole account closure thing, that was a long time ago—back before these fees existed. These days, those monthly fees essentially count as "activity" on the account, whether it's your checking, savings, or foreign currency account.
Saving for my kid in Banking, Insurance & Loans ·
You might as well start making an argument for why it would actually be legal.
Chase Mastercard Standard card in Banking, Insurance & Loans ·
You probably have a student banking package. That usually includes both a debit card and a credit card—specifically a Visa.

There isn’t really such a thing as a "student credit card." What > was likely referring to falls under a different category.
JPMorgan Chase did make some adjustments to how their debit cards work for online transactions—though I think those changes specifically targeted the Maestro side of things, if I recall correctly.
Chase Mastercard Standard card in Banking, Insurance & Loans ·
$1667. But what does that even have to do with the topic at hand?