Nosy banks

Maybe they should return the money they stole before they start asking for anyone's data.

Brian Moore12 said:Maybe they should return the money they stole before they start asking for anyone's data.

Yeah, just give the cash back. Easy.
As for data, they can go talk to the relevant federal agencies or the IRS... whatever. They already have all that stuff on file...
I'm sure as hell not giving them anything...

Jerry Williams53 said:Yeah, just give the cash back. Easy.
As for data, they can go talk to the relevant federal agencies or the IRS... whatever. They already have all that stuff on file...
I'm sure as hell not giving them anything...

They haven't called me yet. If they do, maybe I'll show up—on my own schedule, obviously. I have a feeling they'll try to catch me right before they close for the day. Then comes the slow process of "reviewing the files." My predicted answers? "I don't know," "I don't recall," and "maybe."😁

Brian Moore12 said:They haven't called me yet. If they do, maybe I'll show up—on my own schedule, obviously. I have a feeling they'll try to catch me right before they close for the day. Then comes the slow process of "reviewing the files." My predicted answers? "I don't know," "I don't recall," and "maybe."😁

I honestly don't get why everyone on this thread is being so immature. Like, what's the plan if the bank calls and starts grilling you with all these personal questions? Just say you aren't going to answer and leave it at that. Why act so childish about it... 🤔

Eric Newman4 said:I honestly don't get why everyone on this thread is being so immature. Like, what's the plan if the bank calls and starts grilling you with all these personal questions? Just say you aren't going to answer and leave it at that. Why act so childish about it... 🤔

Come on, use your head... It's not rocket science.

Eric Newman4 said:I honestly don't get why everyone on this thread is being so immature. Like, what's the plan if the bank calls and starts grilling you with all these personal questions? Just say you aren't going to answer and leave it at that. Why act so childish about it... 🤔

You want a mature answer?

Every time someone tries that with me, I tell them exactly where they can shove it.

Is that "mature" enough for you?

Because frankly, after dealing with these vultures for years, I’m a hair's breadth away from losing my mind...

I am certainly not being paid to act as an unpaid intelligence officer for predatory lenders.

It honestly feels like you all have far too much free time to be messing around with banks 😁

Jerry Williams53 said:Yeah, just give the cash back. Easy.
As for data, they can go talk to the relevant federal agencies or the IRS... whatever. They already have all that stuff on file...
I'm sure as hell not giving them anything...

I actually said something similar to my wife recently—she had this way of being incredibly polite while basically telling me she didn't care 😂: "For personal information, try calling the local municipality or the police; for anything financial, contact the IRS... do whatever you want, I'm really not your resource."

bluecyclist64 said:You want a mature answer?

Every time someone tries that with me, I tell them exactly where they can shove it.

Is that "mature" enough for you?

Because frankly, after dealing with these vultures for years, I’m a hair's breadth away from losing my mind...

I am certainly not being paid to act as an unpaid intelligence officer for predatory lenders.

I suspect that might be the only language they actually understand... if they call again, I'll handle them the way Mamić would, and hopefully, they'll finally take the hint.

So, about a year ago, I headed over to JPMorgan Chase to set up a CD with some cash I had saved up. I don't actually have a checking account there or anything, I just wanted to lock this money away for a bit. When I finally got to the front of the line, I pulled out my cash and told the teller I wanted to put it into a fixed term.
She starts printing out all these documents—like, several pages of A4 paper—and just shoves them toward me. I take a look and realize she’s handed me this massive questionnaire that basically wants to scan my entire life; asking if I'm married, what my husband does for a living, how many people I support, and all that deep stuff.

I honestly hate standing in line for even five minutes, so I just looked at her in total disbelief and asked if she was being serious, like, does she actually think I'm going to sit there and fill out all those empty pages?

"Oh, you know, it's just so we can get to know our clients better," she tells me. 😁

"Well, in that case, never mind," I shot back, and just started tucking my money back into my wallet.

Of course, she ended up calling me back to say that just writing my email on the first page would be enough.

But I'm pretty sure they really do vet the people they take more seriously; if I had walked in there asking for a loan, I bet they would've insisted I finish the whole damn thing.

Justin Chavez6 said:So, about a year ago, I headed over to JPMorgan Chase to set up a CD with some cash I had saved up. I don't actually have a checking account there or anything, I just wanted to lock this money away for a bit. When I finally got to the front of the line, I pulled out my cash and told the teller I wanted to put it into a fixed term.
She starts printing out all these documents—like, several pages of A4 paper—and just shoves them toward me. I take a look and realize she’s handed me this massive questionnaire that basically wants to scan my entire life; asking if I'm married, what my husband does for a living, how many people I support, and all that deep stuff.

I honestly hate standing in line for even five minutes, so I just looked at her in total disbelief and asked if she was being serious, like, does she actually think I'm going to sit there and fill out all those empty pages?

"Oh, you know, it's just so we can get to know our clients better," she tells me. 😁

"Well, in that case, never mind," I shot back, and just started tucking my money back into my wallet.

Of course, she ended up calling me back to say that just writing my email on the first page would be enough.

But I'm pretty sure they really do vet the people they take more seriously; if I had walked in there asking for a loan, I bet they would've insisted I finish the whole damn thing.

They tried to pull the same nonsense with me at USA when I wanted to open a secondary checking account, and I ended up telling them exactly where they could shove it.

Absolute crooks.

So, I had this encounter today where the lady at the desk just started hitting me with all these random questions. She was asking if I’m a US tax resident, what kind of business I run, my salary...
Nothing too crazy, really...
But honestly, she was actually quite charming and sweet...

Over at JP Morgan Chase...🙂

bluebadger14 said:So, I had this encounter today where the lady at the desk just started hitting me with all these random questions. She was asking if I’m a US tax resident, what kind of business I run, my salary...
Nothing too crazy, really...
But honestly, she was actually quite charming and sweet...

Over at JP Morgan Chase...🙂

Who knows? Maybe it was love at first sight... 😒

If you’re uncomfortable providing client data or other details, just ask if they're mandatory—most of the time, they are. It's like choosing a gym membership; nobody is forcing you to use these banking services if the process is such a headache for you.

Is anyone actually out there making a move on this?
Where can you even find a gig that pays cash under the table these days?

I've been lurking in this thread for a bit, and man, I see everyone venting about how banks are just the worst—this one is greedy, that one is shady, blah blah blah—but honestly? The real kicker is that US Congress passed a law that basically forces their hands. Like, they *have* to follow these rules now. I mean, I highly doubt banks actually have any real incentive to go hunting for "terrorists" among their everyday customers. It's just more paperwork for them, I guess.

vividranger8 said:I've been lurking in this thread for a bit, and man, I see everyone venting about how banks are just the worst—this one is greedy, that one is shady, blah blah blah—but honestly? The real kicker is that US Congress passed a law that basically forces their hands. Like, they *have* to follow these rules now. I mean, I highly doubt banks actually have any real incentive to go hunting for "terrorists" among their everyday customers. It's just more paperwork for them, I guess.

Right, because clearly, Congress passed a law requiring my bank to ask me for my measurements.

Give me a break.

vividranger8 said:I've been lurking in this thread for a bit, and man, I see everyone venting about how banks are just the worst—this one is greedy, that one is shady, blah blah blah—but honestly? The real kicker is that US Congress passed a law that basically forces their hands. Like, they *have* to follow these rules now. I mean, I highly doubt banks actually have any real incentive to go hunting for "terrorists" among their everyday customers. It's just more paperwork for them, I guess.

If a bank suspects I might be a terrorist, then by all means, they should contact the police;
it isn't the bank's job to conduct those investigations...
And if I actually am a terrorist and somehow felt the need to find out, who knows? Perhaps I am... though I certainly wouldn't be aware of it myself 🙂

vividranger8 said:I've been lurking in this thread for a bit, and man, I see everyone venting about how banks are just the worst—this one is greedy, that one is shady, blah blah blah—but honestly? The real kicker is that US Congress passed a law that basically forces their hands. Like, they *have* to follow these rules now. I mean, I highly doubt banks actually have any real incentive to go hunting for "terrorists" among their everyday customers. It's just more paperwork for them, I guess.

Which law are we talking about?

I didn't bother showing up at the bank after they called me in to fill out one of those questionnaires. They haven't reached out again. Hopefully, it stays that way.

What kind of "bank client" am I? Someone here previously suggested just cutting ties if you don't like how they operate—but I'm not really a client, nor do I want to be. If I had my way, I'd just pay cash for everything, but that's not an option anymore. So, they can deal with my citizenship and my habits. It's their problem, not mine.

The only way I'd become their slave is if I actually needed a loan. Only then would I have to sit there and listen to their nonsense. And even then, I’d demand to see the specific law that says I have to comply. As it stands right now? No chance.

Brian Moore12 said:Which law are we talking about?

It’s the Anti-Money Laundering Act plus all those extra federal regulations