Posts by Casey Moore3

I honestly have no idea what kind of vendettas you're talking about.

I started this thread with nothing but good intentions, not to incite any criminal activity.
If people think we're encouraging crime here, then they shouldn't be part of this community in the first place.
There’s really no need to dig up old grievances either.

What bothers me is that this was handled without any warning or explanation.
Furthermore, I don't believe there was any necessity for such an action at all.
I've been active on various international forums for years, and I have never once seen a thread deleted like this without prior notice.

Let things stay as they are now. But please, take this as a lesson learned.

You can't moderate a conversation through force—at least, not always.

Anyway, take care.

Exactly, what’s the issue here?

We are simply discussing real-life scenarios.
No one is inciting anyone to do anything, nor are we in a position as employees to be able to (manipulate corporate finances).
I was merely presenting my perspective on the situation and asking to hear other people's opinions and experiences.
No crime has been committed. At least, I haven't committed any.
But if we find ourselves in a position to save a few bucks, why shouldn't we?

Some people might agree to such an arrangement with their employer, while others won't.
You are entitled to express your opinion. You can moderate the thread and steer the discussion. We can all learn from each other's examples.

Or, we can just pretend nothing is happening.

It would be much more reasonable for a moderator to step in and issue a warning if they feel something is inappropriate, rather than just deleting the entire thread without any explanation.

In essence, wiping out entire threads is pointless. Threads should be locked and left up as an example, accompanied by an explanation.

PS

Since I've already started typing...

I can actually look at my own situation this way:

Suppose my employer buys a welding machine for me as an example. 😎
The company's business is centered around that field. I am simply learning new technologies outside of regular working hours at my own expense, utilizing tax exemptions available through company purchases. From this perspective, with a bit more data, everything can be legally justified.

It’s disappointing to see that this level of dysfunction is considered standard practice in this complaints section.
Threads get deleted whenever it suits the staff, yet the admins and moderators seem to hold themselves completely unaccountable for anything.
They won't even address threads specifically meant for filing these grievances.
I mean, you actually shut down a discussion about Miami Beach.

And when anyone calls you out on it, you just go silent because there's nothing left to say.

I’ve always been pretty skeptical of online forums like this—given how people typically behave online, it took me quite a while to finally decide to register...

But I honestly didn't expect the management here to be operating at such a low level.

I'm out.

There’s an old saying: "Give someone power if you want to see their true "

Rules aren't just meant for the forum users; they apply to the administrators too.

Basically, a thread I started was deleted after being active for at least a month, even though nobody violated any site policies or acted out of line.

I was the one who originally opened the topic.
I didn't receive a notification, an explanation, or anything else.

It feels like nothing more than a moderator power trip.

I don't think you're quite right on this one.
It’s really a two-way street. Both sides need each other, but let's be honest, the banks hold all the cards.
They have the capital and they have the customers. You could even argue that banks have basically outsourced much of their transaction business over to companies like Visa or Mastercard...

On a different note, here’s something that just happened.

An ATM failed to dispense my $33 and wouldn't even give me the transaction receipt I asked for. It spit my card back out and displayed a message saying, "ATM out of service."
That message vanished instantly, and the machine looked perfectly fine again.

I called the number posted on the machine, and they told me I had to file a formal dispute at my local branch. I headed down to my Chase branch, filled out some paperwork, and they accepted the claim. They could see the funds were marked as "pending" at the ATM.
The whole process—from the ATM to walking out of the bank—took less than 30 minutes. Everyone was efficient, clear, and polite. Five-star service, honestly.
I checked my account on my banking app at home, and sure enough, the amount was showing as reserved by the ATM.
Four days later, the error was cleared and the money was back in my account.

P.S.

While I was still standing there by the ATM, a delivery guy walked past right after grabbing some cash.
I actually yelled, "Hey, wait!!!" ...man.🙂 He just said, "Thanks, though I've already been shortchanged on $233 once before."
When I was inside the bank, nobody seemed surprised by my situation; it was like it happens all the time. Is this just normal?

It makes me a little nervous about using ATMs.🙂
From now on, I'm always going to make sure there's someone else in line ahead of me.😁

If I’m following correctly, did this issue start right after you updated the JPMorgan Chase app?
I haven't had an update for my security token, and I don't even have a contract set up through JPMorgan Chase.

In any case, this is unbelievable. What do they tell you when you walk into a branch? What exactly is the problem, and what's the protocol there?

I actually have a question of my own.

I took out some supplemental insurance through the JPMorgan Chase portal and opted for a 12-month installment plan.
They already processed the first payment, but I'm wondering if the remaining installments will be handled automatically, or if I need to set up a recurring payment if I want it to be automatic.

Unfortunately, I don't see an option within the JPMorgan Chase portal to convert a single payment into a recurring one.
Am I looking at this correctly? 🙂

There's a promotion running through January 31st 🙂 where you get an RSA SecurID at no extra cost when you sign up for Gmail...

Do you think it's possible to set up that Gmail account through the app you're already using, and then just grab the RSA SecurID digitally without having to drive down to a Chase branch?

Look, it's hard for us to guess which specific Bank of America mobile app you're running on your phone here. 😉
Just give us a 😉
.
All jokes aside... people are actually being quite helpful if you've already signed up for one of those specific services: PBZ365@NET, PBZ365TEL, or PBZInvestor.
If you have a token—whether it's a physical card reader or the version on your mobile app—then you've got everything you need to utilize 3-D Secure.
There's absolutely no need to deal with the hassle of emailing back and forth.

edit
Alternatively, you can just buy a standalone token for a one-time fee of $17, which means you won't have to sign up for any of those extra service plans.

If you aren't getting the email, check your spam folder first. Otherwise, you might be using the wrong email address. There isn't really any other reason.

I haven't actually made a purchase myself yet, so I'm speaking from experience rather than direct testing...

When you go to pay, a window for 3-D Secure identification should pop up on your screen.
In that window, you'll enter your token serial number in one field and your one-time password in the other.
Alternatively, you can use the Q&A method to confirm the transaction.

Those options are located right inside the mToken app.
Since you already have that installed, I think you're all set.

You can complete online purchases using your Bank of America Visa card linked to your checking account.
You don't strictly need a Visa Electron.

P.S.
Take a look at this link which explains how to enroll in Verified by Visa http://www.anz.com.au/personal/credi...verified-visa/

Chase describes the exact same procedure here:

Here is a link to the Bank of America website where they do a great job explaining how to shop safely online. It’s a shame JPMorgan Chase doesn't have anything quite this clear...

Hopefully, this helps someone out... or at least gives a better understanding of how 3-D Secure technology and mobile authentication work.

It's essentially the latest industry standard for transactions that card networks are rolling out. Visa had about 1,000 developers working on it, while Mastercard had 300!
Because 3-D Secure provides such high levels of security, transaction fees actually end up being lower when this technology is used. It is all strictly laid out in those global standards. (Just so you know, this isn't information you'll find on the Bank of America site 🙂)

Thanks, everyone! I ended up going with the Visa Inspire, the PBZ365 @ service, and the mTOKEN.
They didn't really pitch me much else, but everything went smoothly and without any hassle since I had already done my homework.
They almost tried to charge me for the mTOKEN, even though it’s supposed to be free until the end of the month... I ran into a teller who I think doesn't work at the branch every day. She seemed a bit tripped up by the technical terminology and all that.
If only she had actually informed me... ha ha ha.

So, it turns out my Visa Inspire card is actually enough for making purchases. I didn't realize that.
I really like being able to pay directly in foreign currency using USD. My only hesitation is whether it's wise to use a card where all my funds are sitting, especially when shopping online. On the other hand, I'm currently on a fixed-term contract, and I've gotten the impression that banks are incredibly difficult when it comes to issuing credit cards—they demand all sorts of documentation and special approval from the bank.

How does the actual checkout process work? Do I just enter the Visa Inspire card details, or is there some other way I have to authorize the transaction? Also, can I use the Visa Inspire with PayPal?
My idea was to transfer money to my PayPal account and then use those PayPal funds for online shopping.
Or should I just pay for items on Amazon directly through online banking?

"A credit card (linked to PayPal) + a checking account + online banking."
I heard—well, read a long time ago—that people link their foreign currency accounts to PayPal... that's interesting.
Maybe it's easier to open a foreign currency account, or perhaps the maintenance fees are lower... I'll have to look into that.

In any case, you guys have already been quite helpful. It looks like I'll go with the Visa Inspire (which comes with the checking account) plus online banking. I might try applying for a credit card later.

http://onlinebanka.jpmorganchase.com/mtoken.html#.VKlsXB2Vung
I see here that I can get the Token for free during the promotional period, but what about this option (either the Token or a card reader) they offered me? Which one should I choose?

So, I just landed a temporary gig 🙄 here in the States...
I've been without a checking account for quite a while now (I used to be with JP Morgan Chase), so it's time to pick a new bank. I'm leaning toward JP Morgan Chase.

I need to be able to shop both locally and internationally online, and I need a way to manage my JP Morgan Chase account easily from home.
Can I buy things online (like on Amazon...) using a standard checking account (like Inspire), or do I actually need a foreign currency account? Also, how does PayPal fit into all this? Which setup is better?

I’d really appreciate some advice on which specific services I should look for when I head in to open the account.
How do you all typically use JP Morgan Chase's services?