Domestic transfers and payments in USD

Sure enough

I’m honestly not entirely certain if this is the most appropriate PDF for this specific discussion thread, though I suppose I couldn't find anything else that seemed even remotely fitting.

Is there some sort of way to verify whether a specific individual actually transferred a particular amount of money into a designated bank account?

The person in question—my father—is becoming somewhat senile, I suppose, and he just can't quite recall if he actually settled the payment or if it's still outstanding.

Since the sum involved isn't exactly pocket change, I really ought to double-check if it was indeed paid, just so we aren't foolish enough to pay the same thing twice.

Assuming, of course, that he did make the payment, we know that:

- he likely handled it through the USPS
- the timeframe would be roughly within a one-to-two month window when the transaction might have occurred
- the specific account number where the funds were intended to land
- the sender's full name and residential address
- the exact dollar amount

Does the IRS or perhaps some other financial institution maintain records of these types of transactions, and if so, is it actually possible to obtain access to that information?

I was trying to wire some funds $133 as an individual to a corporate account held at Wells Fargo. When I went into the Wells Fargo branch, they told me the commission would be $2.75. Since the recipient's account is right there, I figured it’d be easier, so I checked with Bank of America and JPMorgan Chase, but they both quoted me $3.25. To top it all off, I looked into using the IRS, and their fee is only about 4.6 dollars. It makes absolutely no sense to me—why on earth would it be cheaper to go through the IRS than to just pay it directly at Wells Fargo where the business actually holds its account?

Hey everyone,

I’m posting this because I had a pretty lousy experience recently, and I’m hoping someone here who’s dealt with similar nonsense might have some actual advice to offer.

So, basically, one day—totally out of nowhere—I noticed some weird transactions popping up on my Visa through my Chase online banking. I hadn't lost the card, it wasn't stolen, nothing. I did exactly what you're supposed to do: reported it immediately, blocked the card, and filed a dispute for those charges (there were more than $2000 of them). They were all online transactions in GBP from God knows where.

The thing is, I’ve always been super careful with my card—following every security rule in the book, never losing it, never handing it off to anyone. Since everything was in pounds, I honestly thought there was no way Chase wouldn't honor the claim. I’ve been a loyal customer for years, paying every bill on time, and I've never had anything like this happen. But then, four months later, they come back and tell me they aren't accepting my dispute. Their excuse? Apparently, because I used the card for online purchases before—specifically with Delta Air Lines—they're blaming me somehow. Now they want me to pay the full amount, plus interest and late fees for the four months they spent being totally incapable of investigating a massive security loophole...

I’m at a loss here. Is it even worth hiring a lawyer? Or should I just cut my losses and let the thieves over at Chase bleed me dry?

From what I've gathered, skimming is when they basically "strip" your card right at the ATM... you know, where they read that magnetic strip on the back containing all your sensitive info... then they just clone it onto a blank plastic card and go on a spree using ATMs abroad... and they don't mess around, either; they hit the machine and try to pull out the absolute maximum limit allowed

Skimming isn't the same thing as someone just buying stuff online via the web

Look, this is a bit of a mess. Typically, these kinds of disputes don't fly. For these charges to happen, someone either had to have the physical card in their hand or they managed to snag the details during one of your previous online purchases. Since there’s no way to distinguish between legitimate spending and these fraudulent hits, your only real move is to appeal to their sense of basic decency, though let's be honest—that’s rarely enough to get Chase to just hand over $2000.

It sounds harsh, but about 99% of what people call "skimming" or card fraud actually turns out to be family members who had access to the card.

George Barrett35 said:Look, this is a bit of a mess. Typically, these kinds of disputes don't fly. For these charges to happen, someone either had to have the physical card in their hand or they managed to snag the details during one of your previous online purchases. Since there’s no way to distinguish between legitimate spending and these fraudulent hits, your only real move is to appeal to their sense of basic decency, though let's be honest—that’s rarely enough to get Chase to just hand over $2000.

It sounds harsh, but about 99% of what people call "skimming" or card fraud actually turns out to be family members who had access to the card.

Well, it’s beyond tricky... But look, I live alone—I'm the only one in the house, so nobody else has ever had, or even could have had, access to my card. Besides, all these transactions happened in England—someone was buying plane tickets, train tickets, booking hotels... And that's exactly what's eating at me. I noticed the charges the very same day, or at most the day after they hit, and I reported them immediately. It’s just incomprehensible to me that an investigation can't figure out whose name is on the ticket or whose name is on the hotel reservation, because clearly, *someone* had to use them. That’s the part that really gets under my skin. Because even if they didn't leave me footing this ridiculous bill, they'd likely catch the perpetrator. Shouldn't it be simple? The point of sale should just be able to tell the bank the name registered to the ticket or the person who checked into the hotel room. Honestly, it feels like nobody is actually conducting a real investigation; it feels like the claims department is just waiting out an absurd four-month period so they can easily wave it off and tell me I'm stuck with the bill.

Sure, you can uncover everything if you want, but you really should have taken the lead on that yourself. Didn't they tell you that at Chase?

Look, I work in banking, and before you start, I’m not trying to play devil's advocate for the industry—this kind of thing can happen to any of us—but there are a few realities you just have to grasp. First off, a bank isn't some detective agency capable of launching an investigation beyond the technical data they actually have access to. They look at the transaction mechanics: does the payment info match the cardholder's details? A bank isn't the FBI; they aren't going to go knocking on doors at retail locations, and no Hilton or Delta isn't going to hand over their customer data without a court order. Besides, the person making the payment doesn't necessarily have to be the one receiving the service.
Secondly, a bank can't just "undo" a charge whenever they feel like it. They can't just call up a Marriott and say, "Sorry, we've reversed this transaction because our client claims they didn't make it." Once the expense is incurred, it has to be settled. What the bank *can* do is indemnify you, which basically means they cover the cost on your account, but you have to prove there was a security failure on the bank's part to trigger that. And that's definitely not what's happening here. Skimming is a legitimate security breach, sure, but making online purchases is a matter of personal responsibility. We've talked about this before: when you signed those cardholder agreements, you accepted the terms stating you are liable for all charges until the moment you report the card as lost or blocked.
As for how these things get exploited... You claim nobody else in your household could have used the card, fine. But it's simply not true that you're the only person with access to that information; literally every merchant where you've swiped that card has had access. Every cashier at a grocery store, if you want to put it that way. Not to mention every website where you've entered your details. Sure, there are security protocols designed to encrypt data and protect online transactions from third-party hackers, but you're always ultimately relying on the integrity of the recipient—hoping they won't misuse your data or leak it to someone else.
Personally, I avoid using my card online as much as humanly possible, even with supposedly reputable retailers. If there's an option to use PayPal or a similar service, I'll take it every single time.

Do you find yourself traveling abroad quite often, and does spending $6,000 over just a couple of days seem like a standard pattern for you? Honestly, I feel like Bank of America should have actually investigated the specifics of the transaction instead of just hiding behind some generic excuse about online security if it was just a charge from Delta Airlines
On the other hand, anyone could have grabbed your card number and CVV and used them for an online purchase... we really are at the mercy of how honest our merchants are, especially if they're still printing the full card number on the receipts, though I know that’s becoming pretty rare these days

I agree—you shouldn't have to pay that. Try appealing their decision or whatever official ruling they sent you. Hopefully, they gave you something in writing. Next step would be finding a lawyer. Not much else left to do...

Those costs aren't your fault. It’s not your job to play detective and figure out where the charges came from. You did everything right—filed the dispute with Bank of America and froze the card the second you saw unauthorized charges.

I honestly don't get how anyone on this forum could side with the bank. 👎
Look, I get that banks have interests, but we all carry credit cards.
I don't monitor my statements every single day—maybe once a week. When I'm swiping at a grocery store or a gas station, who's to say someone didn't just skim my info and use it for some online order? And I'm just supposed to eat that cost? 😕👎 Give me a break, people. Seriously.

Let me tell you about my experience with American Express. I was traveling through the Czech Republic. Once I got home, I spotted a charge I definitely didn't make. It was for about $100. I disputed it with Amex, and they immediately reversed the amount on my Account and started an investigation. They told me the whole process would take about two months. After roughly two months, they sent over a scanned copy of the receipt showing clearly that the signature wasn't mine. For the record, I never lost sight of my card, but obviously, it was cloned or the numbers were swiped. Naturally, they didn't hold me liable for a charge I didn't make.

The bank needs to investigate how that transaction actually happened. They should have a department dedicated to cybercrime or fraud disputes. It's all trackable—where the card was used, who was using it, when the purchase went through... all of it.

It's easy for them to just pin it on the customer so the bank doesn't take a hit. 👎 👎

Hey everyone

I'm dealing with a bit of a headache regarding a coworker. I was transferring his portion of the payroll directly into his checking account. He’s insisting that nothing has hit his balance, even though I made the transfer on February 18th at 9:00 AM. As far as I understand, when you move money into a checking account, it should show up almost instantly. In this case, we're looking at a week-long delay. To make matters more confusing, I sent payments to three other colleagues on that exact same day, and their funds cleared immediately—no issues whatsoever. The guy won't even look at the deposit slip I have; he claims his ATM receipt is the only "proof" he cares about when he checks his balance. We're talking about Chase here. What exactly do I need to do to verify if the money actually landed in his account? Is my deposit slip and his account number enough to settle this, or am I going to need more documentation?

If anyone has any insight, please let me know tonight. I'm planning to head down to the Bank of America branch first thing tomorrow morning to get to the bottom of this.

Thanks in advance

Look, I honestly don't get it. As an employer, you should be able to verify whether the funds you sent actually landed in the account or not... 🤔 ...it makes zero sense to me that they wouldn't just give you that information. Seriously. Just make sure you bring the wire transfer receipt from when you made the payment... if the account details are correct, there is absolutely no reason why the money shouldn't have cleared by now.

I was at Bank of America this morning with the deposit slip I received when I put money into that account... we went over the last ten deposits made to that "disputed" account, and it turns out the funds I deposited hit the balance instantly... so, the person who was pretending to be my friend was lying through their teeth.

I don't want to clutter things up by starting a whole new thread, so I'll just ask here.
I'm trying to transfer some funds from my checking account over to my foreign currency account—it’s all within the same bank, and I own both accounts—using online banking.
I went to set up the new transaction, but I hit a snag: the "recipient account" field only lets me enter 10 digits, yet my Visa card info, which serves as the foreign account number, is 11 digits long.
Any help would be appreciated, thanks.

How do I actually "send" it? 😕 I guess you'd have to buy the foreign currency first and then deposit it into a foreign currency account.

Charles Ramos7 said:How do I actually "send" it? 😕 I guess you'd have to buy the foreign currency first and then deposit it into a foreign currency account.

To be honest, I haven't heard of anyone actually "sending" foreign currency before. You just go out, buy it, and then drop it into your bank account, pretty much exactly what Zachary Rodriguez72 is suggesting.

Zachary Rodriguez72 said:To be honest, I haven't heard of anyone actually "sending" foreign currency before. You just go out, buy it, and then drop it into your bank account, pretty much exactly what Zachary Rodriguez72 is suggesting.

Is it possible to handle this through online banking?

edit: Got it sorted out, bought them, thanks everyone.

silentowl7 said:I agree—you shouldn't have to pay that. Try appealing their decision or whatever official ruling they sent you. Hopefully, they gave you something in writing. Next step would be finding a lawyer. Not much else left to do...

Those costs aren't your fault. It’s not your job to play detective and figure out where the charges came from. You did everything right—filed the dispute with Bank of America and froze the card the second you saw unauthorized charges.

I honestly don't get how anyone on this forum could side with the bank. 👎
Look, I get that banks have interests, but we all carry credit cards.
I don't monitor my statements every single day—maybe once a week. When I'm swiping at a grocery store or a gas station, who's to say someone didn't just skim my info and use it for some online order? And I'm just supposed to eat that cost? 😕👎 Give me a break, people. Seriously.

Let me tell you about my experience with American Express. I was traveling through the Czech Republic. Once I got home, I spotted a charge I definitely didn't make. It was for about $100. I disputed it with Amex, and they immediately reversed the amount on my Account and started an investigation. They told me the whole process would take about two months. After roughly two months, they sent over a scanned copy of the receipt showing clearly that the signature wasn't mine. For the record, I never lost sight of my card, but obviously, it was cloned or the numbers were swiped. Naturally, they didn't hold me liable for a charge I didn't make.

The bank needs to investigate how that transaction actually happened. They should have a department dedicated to cybercrime or fraud disputes. It's all trackable—where the card was used, who was using it, when the purchase went through... all of it.

It's easy for them to just pin it on the customer so the bank doesn't take a hit. 👎 👎

So, what, the bank should just hand over the cash $2.00 simply because Ron claims he didn't spend it? If that were the rule, people would be running up massive bills and then playing the "it wasn't me" card just to get their money back. Imagine the chaos.

silentowl7 said:I agree—you shouldn't have to pay that. Try appealing their decision or whatever official ruling they sent you. Hopefully, they gave you something in writing. Next step would be finding a lawyer. Not much else left to do...

Those costs aren't your fault. It’s not your job to play detective and figure out where the charges came from. You did everything right—filed the dispute with Bank of America and froze the card the second you saw unauthorized charges.

I honestly don't get how anyone on this forum could side with the bank. 👎
Look, I get that banks have interests, but we all carry credit cards.
I don't monitor my statements every single day—maybe once a week. When I'm swiping at a grocery store or a gas station, who's to say someone didn't just skim my info and use it for some online order? And I'm just supposed to eat that cost? 😕👎 Give me a break, people. Seriously.

Let me tell you about my experience with American Express. I was traveling through the Czech Republic. Once I got home, I spotted a charge I definitely didn't make. It was for about $100. I disputed it with Amex, and they immediately reversed the amount on my Account and started an investigation. They told me the whole process would take about two months. After roughly two months, they sent over a scanned copy of the receipt showing clearly that the signature wasn't mine. For the record, I never lost sight of my card, but obviously, it was cloned or the numbers were swiped. Naturally, they didn't hold me liable for a charge I didn't make.

The bank needs to investigate how that transaction actually happened. They should have a department dedicated to cybercrime or fraud disputes. It's all trackable—where the card was used, who was using it, when the purchase went through... all of it.

It's easy for them to just pin it on the customer so the bank doesn't take a hit. 👎 👎

The difference here is that your situation involves an online purchase, whereas that guy had a signed receipt. Proving you didn't make an online transaction without filing a police report and starting a full-blown investigation is a nightmare—especially since it happened abroad, which makes the whole investigation thing a total headache.

Terry Howard said:So, what, the bank should just hand over the cash $2.00 simply because Ron claims he didn't spend it? If that were the rule, people would be running up massive bills and then playing the "it wasn't me" card just to get their money back. Imagine the chaos.

The difference here is that your situation involves an online purchase, whereas that guy had a signed receipt. Proving you didn't make an online transaction without filing a police report and starting a full-blown investigation is a nightmare—especially since it happened abroad, which makes the whole investigation thing a total headache.

Like I said, it's easiest to just blame the customer. If I order something today, there's a paper trail—exactly when the transaction happened, what time, and which sites were used. Everything shows up during authorization, if anyone actually bothered to look. If cards were bought, there’s gotta be info on where that went down. You'd eventually find a lead. Of course, you'd have to involve the cops to dig into it.

Basically, even if he didn't buy anything (which he can't prove), the guy still ends up paying $2000 for nothing—just because some thief swiped his card info. 👎 👎 👎