What is there even left to say after this? 😵 They’re demanding we hand over data to a government that—let’s be honest—already possesses every single scrap of information from the FBI, the Census Bureau, and the IRS... anyway, my branch manager called me to "clarify" a few things, she told me I need to come in and sign off, but when I told her I wasn't comfortable letting them use my private info, she started pulling the whole anti-terrorism and money laundering card—absolute nonsense, so I pointed out that they should just use the records they already have since nothing has changed, but she insisted that isn't an option. I suggested they just set my file aside and stick to the existing data, and she claimed even that was impossible. Then, she gave me this overly sweet plea to drop by before the New Year to sign the paperwork... though I have a feeling I won't be making it in time. ☕
They kept hitting him with those mindless questions—did they not have anything for you?🤔 edit: Honestly, maybe I should just move over there to work the register so you don't end up getting caught in the crossfire here too...
It was probably best when I asked her if anyone had ever voiced any concerns about such questions—she told me no one had 🤣that they just come in on their own and book appointments, allowing me to provide answers accordingly 😂
So, I just stepped out of my meeting at Chase... it started off quite standard: full name, address, Social Security number... the usual drill. At one point, she asks how I typically manage my finances—cash transactions, investments, savings... so, naturally, I provide some details. Then comes the next question: what is my educational background? 🤔 Me: Is that actually necessary? Her: Well, you understand, we need to know so we can determine which credit products might suit you... blah, blah, blah, moving right along. She then asks: Are you a U.S. citizen? Me: 😕 What does that have to do with my banking business? Her: It’s just a requirement we have to ask. Me: You can certainly ask, but I am under no obligation to answer. To wrap things up, she hands me some document that I am supposedly required to sign. 🤦 I suggested that since she was the one who filled it all out, she should be the one to sign it instead. She claimed she couldn't. I informed her that I wasn't signing anything—my role is to provide information, nothing more. She looked quite offended 🙂 and started lecturing me about anti-money laundering regulations... I asked her exactly where that is specified in the code. It turned out she didn't actually have a clue what the law even says... she was just repeating scripts like a parrot. 🙄.. In any case, she arranged for the branch manager to call me in two days to explain everything. I honestly hope she doesn't call, as it would likely be an awkward conversation for her. 😈
You wouldn't believe it—Mirela Holy actually posed this exact question to The Government last summer, and this was their response:
Under the provisions of this specific Act, personal data for an individual shall be collected within the following scope: full name, residential address, date of birth, place of birth, identification number, and the name, number, and issuing authority of the identification document.
👋 Here is the link to the PDF 👋 I'm heading into the bank tomorrow to try and get those details removed from Laura Chavez93 ☕ though, naturally, if they decide to ask for my mobile number, marital status, or even my zodiac sign I'll just give them a wide, knowing grin😁 and tell them that's none of their business... I'll let you know how it goes😈
My employer went ahead and paid the tax on my freelance fees last year—it could be an error, though it’s more likely just some backdated payment they finally cleared. When I filed my annual tax return, I didn't include this amount because the company hadn't provided me with any official documentation regarding the income or the tax withheld... honestly, I wasn't even aware such a thing existed at the time. Is it actually possible to ask the IRS to factor this tax into last year's totals and reprocess my return? We are talking about roughly $233 in taxes.
I was looking through the legislation earlier and stumbled upon this: Quincy:
CUSTOMER DUE DILIGENCE ANALYSIS Customer due diligence measures Section 8. (1) Unless otherwise provided by this Act, customer due diligence shall include the following measures: 1. identifying the customer and verifying their identity based on documents, data, or information obtained from a reliable, dependable, and independent source, 2. identifying and verifying the identity of the customer's beneficial owner, 3. gathering data regarding the purpose and intended nature of the business relationship or transaction, along with other data in accordance with this Act, 4. ongoing monitoring of the business relationship, including close scrutiny of transactions conducted during that relationship, to ensure such transactions align with the obligor's knowledge of the customer, the type of business, and the associated risks—which may include, where necessary, data regarding the source of funds—provided that the documents and data held by the obligor remain current.
So, looking at the statute, there isn't a single clause mandating that they ask for—nor am I obligated to provide, let alone sign off on—personal details like my mobile number, office phone, marital status, or household size... It isn't the bank's role to investigate whether I happen to be a terrorist laundering money; a bank simply lacks the capacity to make such a determination, nor is it within its scope of work... And since the only supposed justification for this intrusion is the mere fact that someone holds an account at a bank, it implies the starting assumption is that every client is a potential terrorist... 🙂 which leads me to wonder if there is any legal ground for a harassment lawsuit...
Here’s my experience with JPMorgan Chase—they didn't ask me a single thing 🤷 yet they were busy sending questionnaires via certified mail and calling my phone incessantly... I suppose it turns out the whole process isn't quite as vital as they make it seem ☕
Tomorrow I’m heading into a JPMorgan Chase branch—my first visit in over a year... there’s an issue regarding a specific transfer from my business account; some tax funds seem to have vanished into thin air, so I need to figure out where they went. wish me luck 😈 edit: I actually hold the upper hand this time since I’m visiting regarding my business account rather than my personal one—and if they decide to start acting condescending by implying this is a money laundering issue, I’ll simply inform them that is precisely why I am here: to ensure there are no complications for either myself or the bank. The statements clearly show the funds were diverted somewhere, and I want to prevent any future investigations into missing tax revenue... I am doing this for their sake, so they don't end up facing any regulatory headaches. 🙂 And if they continue to be difficult, I might just suggest moving the account over to, say, Wells Fargo—they likely don't assume every single client is a terrorist.😉 I am quite eager to see how tomorrow unfolds.
Thomas Fowler84 said:I haven't read the entire anti-money laundering statute, but does the law actually provide a basis for these specific questions: - Average monthly income, regular: - Other sources of income ($):
It is a tragedy when a bank feels compelled to ask me these things, even though they possess more data than I do: - Monthly volume of cash transactions ($): - Average annual account turnover ($): - Country where most business is conducted: - Do you engage in international transactions?:
I am referring to an account that sees perhaps $0.67 deposits and withdrawals annually, mostly just for gas and groceries. There is no overdraft. Despite all their software, hardware, and data sets... they remain incapable of distinguishing which users need scrutiny and which do not. It is mere intimidation and evasion of logic.
In my experience, other countries in the USA don't flag every single client as a suspect; instead, they target only those who meet specific criteria.
It makes me wonder who is truly losing their mind here 😵whether it is the architect of this policy, the branch managers pushing it, or the tellers who call my house demanding I visit in person just to answer these absurdities—refusing to handle it over the phone, and being too vague to even explain why I need to show up at all when they could find everything they need with two simple clicks of a mouse 🙂
Thomas Fowler84 said:I haven't read the entire anti-money laundering statute, but does the law actually provide a basis for these specific questions: - Average monthly income, regular: - Other sources of income ($):
It is a tragedy when a bank feels compelled to ask me these things, even though they possess more data than I do: - Monthly volume of cash transactions ($): - Average annual account turnover ($): - Country where most business is conducted: - Do you engage in international transactions?:
I am referring to an account that sees perhaps $0.67 deposits and withdrawals annually, mostly just for gas and groceries. There is no overdraft. Despite all their software, hardware, and data sets... they remain incapable of distinguishing which users need scrutiny and which do not. It is mere intimidation and evasion of logic.
In my experience, other countries in the USA don't flag every single client as a suspect; instead, they target only those who meet specific criteria.
There is something else on my mind... is it standard practice for JPMorgan Chase to push service packages, CDs, mutual funds, and online banking tools without me ever having requested them or expressed any interest whatsoever?
feraljackal2 said:You can be a taxpayer even without holding US citizenship—after all, an American citizen might earn income outside the States, and the laws apply to everyone equally. But even setting that aside, some of the questions in these forms feel completely nonsensical (most of them are, honestly). At the end of the day, when you arrive in the US and an official asks you who packed your suitcase, you don't tell them to mind their own business—you just comply to avoid making things difficult. The way this was set up feels totally backwards; if they were committed to using this questionnaire, they should have organized the data collection differently. As it stands, they're just inconveniencing both citizens and banks without actually getting the information they need.
I fail to see why this would even concern the bank, or what they actually intend to do with such data? edit: It seems JP Morgan Chase has taken a fundamentally flawed approach here—specifically, they demand this information (regardless of the actual reasoning) while acting as though I’m some suspicious terrorist or money launderer who needs to show up in person... 🙂 They send out letters demanding an in-person visit, followed by phone calls 🙄; it's quite aggressive. They refuse to discuss matters over the phone or offer any resolution remotely—they won't even specify exactly what they need 🙂 I have no idea who is handling their PR, but one can only hope they lose their jobs because of this mess ☕
rowdypilot19 said: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. 😵
Sure, because I'm clearly just some amateur idiot who decided to wash millions all on my own, and I'm doing it in such a way that the SEC, the IRS, and the Treasury (along with hundreds of specialists whose entire career is built on sniffing this out) don't suspect a single thing... then suddenly, JP Morgan Chase swoops in like some sort of superhero, asking for my cell number, my office extension, and whether I'm married or how many kids I have, and somehow, that's how they crack a massive tax evasion scheme! 🙏 🙏 🙏
Read this and try not to laugh at the sheer absurdity: apparently, if I fill out this survey, I’m officially cleared of all suspicion 😂 - Are you being a terrorist? - Of course not. - Thanks, we never doubted you. 🤣 And as if I’d actually be laundering money through a bank—if I were truly such a mastermind, everything would be handled in cash to avoid the paper trail entirely... ☕
feraljackal2 said:The information goes to the IRS, which then passes parts of it along to federal agencies—depending on what you disclosed, like whether you're politically active and such. It likely flows through the FBI and various other departments too.
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. 🙂
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.
Who exactly are they reporting this data to? Someone mentioned recently that after filling out a survey at Chase, they were hit with the exact same request at Wells Fargo... which suggests that a centralized system—much like the one used for mortgage holders—doesn't exist.
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.
Hold on... so if I walk into a branch to check on my savings account and tell them I have no intention of filling out a survey, they’ll just shut down my account?!? 🙂
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.
Who is forcing them to do this—is it the branch manager? And what if I simply ask them to tell me what is required so we can settle it over the phone... shouldn't she be able to explain what they need from me, rather than just repeating "you need to come into the branch" like a parrot? 🤮
My mother, who’s fully retired, has already received two notices to visit the branch—they even called once, and luckily I was the one who picked up. I told them straight out that my mother isn't exactly being a terrorist, and that they could verify with a few simple clicks that her only income is her Social Security check and she isn't laundering any money... though the representative on the other end wouldn't budge—not that I’m exactly a saint myself when it comes to patience.😈 Then the usual script begins: -The client needs to come into the branch. -For what reason? -She needs to complete a questionnaire. -Fine, just tell me what you need from her. -She needs to be here in person. She must bring her driver's license. -Hold on, let me find it—I can give you the ID number right now so we can resolve this over the phone and save her the trip. (the woman on the line is clearly losing her cool) -She simply needs to come in. -What specifically do you require? -She needs to come in. Will you please just tell her she needs to come in? -Go jump in a lake... (I hang up)