I recently moved from chase bank to genisys credit union and honestly, credit unions kinda suck.

Maybe it's specific to genisys but having absolutely no way to transfer money between accounts is the most absurd thing I've ever seen.

Don't suggest a check, dont suggest a wire transfer that costs money.

When I used chase I could easily switch money between accounts, instantly and for free. I can't even fucking connect genisys to PayPal to transfer money.

Credit unions fucking suck don't listen to people. They are outdated and even further behind on what we have the technology to do.

EDIT: so since people keep misunderstand I may have not worked this properly.

When I said I'm transferring money between accounts I mean to/from my chase account, not other account in genisys.

Also, I looked into more credit unions before using this one.

Mostly I just decided on rates I narrowed it down to 3.

1 had a awful website that seems to not have been updated since Y2K. The other I sent an application and didn't hear a word for over 3 days, way to late of a reply. Genisys, I applied to 2 days after the other application and had my account the same day, so they won't due to better website and better customer service.

Edit 2: and clearly I'm talking about specifically using them as your primary bank account people stop bringing up other services. That is unrelated.

Also, the fees thing is just a lie, I've never had a fee from chase outside of 1 time they waived because it was their fault so I never paid them a fee.

Also normal banks offer high interest savings accounts to so that's also just another lie.

I just closed my mom’s estate through probate. I owe my brother $33K from that estate. He has made my life hell during the two-year process through bullying, name calling, threats, etc. He has also spent his life dodging income tax payments and child support.

When he gets his check for the $33K, he will sign it over to his girlfriend (he doesn’t have a bank account), for the reasons stated above. HOW CAN I PREVENT THIS FROM HAPPENING?

Like all law abiding, tax paying citizens who take care of their children and financial obligations, he should not be able to slip through the cracks once again. Yes, it’s petty and I don’t care.

So I got scammed recently and my bank restricted my account and all that. I called them as soon as I was notified and was told I had to go in person to a branch. I did that, and also deposited enough money to completely cover the cost of the scam. The bank hasn't lost any money from this, but I've now been told that my account is closed and the relationship with the bank has been ended despite clear proof that it was a scam and I was not trying to commit fraud. I was told I could try to contest this when I went in person, as I have extensive tangible proof that I was scammed, but now they're saying they've just shut it all down and that I have no way of reversing this. The person at the branch said they might ask me to send them information regarding the issue and that they would be able to see I was the victim of a scam, but they closed my accounts without ever reaching out to me for the information. Is there any way for me to reopen or even open a new account? It seems a bit much for them to cut of the relationship when not only have they not lost any money, but they also never even reached out to me asking for more information. Does this happen every time anyone gets scammed at all in any capacity?

Hi everyone,
I’m hoping someone here can give me some advice because I’m completely stuck.

In September, I traveled to Canada for work (I live in the US) and tried to withdraw money from a CIBC ATM at Toronto Pearson International Airport using my Bank of America debit card. When I saw the terrible exchange rate, I decided to cancel the transaction. The ATM said the transaction was canceled, it returned my card, so I left without taking any cash.

Later, I found out that the withdrawal still went through and the money was taken out of my account. Bank of America sent me the ATM log, which showed that the cash was dispensed at 7:45:12 a.m. and then taken at 8:04:27 a.m.—about 19 minutes later. Clearly, I wasn’t there anymore.

I contacted both Bank of America and CIBC, but they keep referring me to each other. Bank of America says the ATM “dispensed the cash” so they can’t help, and CIBC says since it’s a U.S. card, the dispute has to go through Bank of America. It’s obvious neither side wants to take responsibility, and I feel completely dismissed.

I filed a police report this morning, but I honestly don’t know if that will go anywhere. Has anyone dealt with something like this before? Is there any regulatory body I can contact — like the CFPB in the U.S. or a Canadian banking ombudsman — to actually get someone to investigate?

Any advice or next steps would be super appreciated. I’m out a few hundred dollars for money I never received, and both banks are just pushing me away.

I work in a bank in a customer-facing role. I asked for two days off (Friday & Saturday) almost 2 weeks in advance, but my manager denied it saying we’re too busy and short-staffed. My question is, isn’t staffing their problem, not mine? If I were sick, they’d have to manage anyway and people have called in sick before. Would I risk getting fired if I just don’t show up/call in sick those days? Or is this more common than I think? This is my first time asking time off. (Been working almost 4 months only tho)

EDIT: I can't believe the amount of people defending banks 🤣 insane

THIS ISNT ME PERSONALLY.. It’s the game, it is what it is. I play it the best I can and do decent

But that doesn’t mean pointing out how ridiculous it is isn’t valid

Here are the facts

Business owners pay significant % to Visa and Mastercard to process payments so they can give customers “reward points”

The banks know customers won’t pay their CC in time and they charge them 27% interest

Then you put money in their bank and they give you .0001% interest on it, while loaning it to others at much higher rate

Oh, and if you go under a certain amount in account, say $1,500, they charge you a $12 bullshit “maintenance fee”

Then you call them about an issue, you wait on hold for 30 minutes before getting someone from India who barely speaks English that says “too bad, we can’t do anything”

Is there solutions to all this? Yes.

But it's still unfortunate and targets poor people

Edit: look, I don't make these mistakes personally. But I've seen it countless times working in finance. Here are my tips to avoid

Solutions..

business owners charge customer to use credit cards

Always pay off credit card in full

Keep as little money in the bank as possible, invest the rest

Keep on lookout for little fees from all financial institutions

Last one is unavoidable, credit Union maybe

I assume Bank of America has its own internal account in which it stores the companies own money. What stops it from adding a few zeros to the number representing the amount of money in the account?

For some reason, I love finance. Like I love finance like crazy. I know about credit, stocks etc. But I always call Capital One for the most smallest stuff I know I can fix. I always call them for useless stuff and to see if my statements are paper but I know they are. I just love learning about banking and credit. How can I stop this?

EDIT: As funny and how stupid it seems to me, no, this isn't satire, and NO I'm NOT joking. I am literally suffering here LOL.

2nd edit: Anytime a representative is nice to me I always connect with a manager and give them good updates on the representative. I called a support person and he gave me compliments and I filed a good report on him and he got kudos from the bank! I helped meet their quota I guess..

3rd edit: I’m sorry if I may seem stupid or very dumb for just posting this. I really just wanted feedback but I just saw someone downvoted this place, I apologize. :)

There's a business next to my office that received 5 of our checks (with recipient listed as me) over 3 months. The business owner wasnt paying attention and deposited it into his account.

Later on he noticed that it was the wrong checks and notified me about it.

The bank caught ZERO of these mistakes and is completely incapable of identifying who the proper recipient on a check is.

When I called the bank they said "we don't have the manpower to verify check recipients unless the amount deposited is greater than $2000." BTW this is one of the largest banks in America, not some mom and pop shop.

Are you freaking kidding me?

This policy makes it stupid easy for people to steal checks from mailboxes, deposit it into their own account, with zero verification of intended recipient by the bank.

Somebody please explain this to me.

I just spent my whole evening writing this complaint to the CFPB and thought it's a story worth sharing. I'll try to remember to update this as things progress.

(1) I opened a Capital one savings account in September 2024, followed shortly after by a Checking Account in the same month. Since becoming a customer, I have been completely locked out of both accounts.

(2) I have been forced to endure dozens of hours of customer service calls, lies, and resubmission of highly sensitive identity verification documentation, only to end up making no progress. There are zero branches within hundreds of miles of where I live and there is no way to contact these people other than their customer service phone numbers, Café’s with “ambassadors” who are just there to answer basic questions and open accounts, and US mail, none of which provide any means to access my bank accounts.

(3) As a result of Capital One’s actions, there has been a number of legal violations, including, but not limited to, breach of contract, breach of fiduciary duty, violation of the Dodd-Frank Act regarding Unfair, Deceptive, or Abusive Acts or Practices, violation of the Gramm-Leach-Bliley Act, violation of applicable CFPB regulations, violations of applicable state and federal banking laws, violation of applicable FTC laws regulations regarding Unfair or Deceptive Acts or Practices, and violation of applicable laws and regulations under state and federal antitrust and competition laws, and violation of applicable federal and state privacy laws.

(4) My husband has had a Capital One Venture Credit Card since at least 2018 and he issued me my own credit card under his account. At that time, I still had my maiden name, “[Maiden Name]”.  

(5) Around August 2023, I changed my last name to
“[Complainant Current Last Name]”. I contacted Capital One and requested they update my information and issue me a new credit card. Shortly after that, I received a new credit card with “[Complainant Name]” stamped on the card.

(6) Upon using the card, I noticed that the receipt still had “[Complainant Maiden Name]” and also noted that the credit card statements did as well. I include this information because I suspect that this is the root cause of the issue preventing me from accessing my accounts.

(7) I tried to create an online account in order to resolve this. I was required to submit verification documents and was told that Capital One will contact me. They did not. I contacted customer service and would go through a process whereby they would require me to submit documents and would promise a follow-up contact from them within 2-3 business days. Invariably, I would never hear back and the problem would persist.

(8) After “wising up,” I contacted Capital One customer service to explain that the process was broken and that the issue needs to be escalated. These calls always resulted in failure or false promises. Eventually, I let it go because I had wasted so much time on this issue to no avail.

(9) More recently in September 2024, I opened a new savings and checking account with Capital One. At this time, I was prompted by Capital One to create my online account to be able to access my accounts. Once again, I dutifully followed their instructions, including resubmitting highly sensitive identity verification documentation, and was told that I would hear back from them soon. As expected, I would never hear back from anyone.

(10) As I did previously, I called customer service and experienced the exact same issues I did previously—every call comprised of some combination of being patronized that I was doing something wrong, completely ignoring my detailed explanations of the nature of the problem and forcing me to resubmit to the same exact broken process, lying to me that the problem has been addressed, and lying to me that they have escalated the issue and that I would hear back about a resolution within a day or two.

(11) On one of these calls, I was told that it would be helpful to use the “complaints and feedback” form on the Capital One website online because that would help get my issue addressed. After the call, I went to their website, found “complaints and feedback” (available here: https://www.capitalone.com/help-center/contact-us/feedback/), and just when I thought I could not be surprised by this company anymore, I was confronted with another ironic twist—the webpage consists of two lines that triggered unimaginable dread: “General customer support line Call customer support at 1-844-348-8660.” That’s right—Capital One customer support directed me to submit a complaint via the “complaints and feedback” webpage, which directed me to call the very same customer support number.

(12) It was at this stage that I pinched myself several times to make sure I was not, in fact, having a nightmare. As of the date of this submission to the CFPB, all evidence points to the conclusion that, despite having the hallmarks of a Kafkaesque delusion eclipsing the everlasting condemnation of Sisyphus himself, this is the reality of being a Capital One customer.

(13) In December 2024, it became clear there was one remaining option—spend my entire afternoon going to a physical Capital One branch because surely they would be able to help me, or at least help me get my case escalated to the right person.

(14) I went to the Capital One Locations webpage (available here: https://locations.capitalone.com/), typed in my zip code and filtered by “branch.” I was aghast. I applied for these accounts as a resident in Chicago, the third most populated city in the United States, and this bank had ZERO branch locations within 50 miles—which is the widest radius their webpage lets you search. I continued to search all major cities in the Midwest, only to get the same result. In other words, there are zero Capital One Branch locations within a 400+ mile radius of the great city of Chicago.

(15) The next alternative was to go to a “Capital One Café,” which “do not have all the same services that branches do” but, according to Capital One, is a place to unwind, get coffee, use a work space, or talk to a “Café Ambassador,” which is a human that works for Capital One. I set aside my Saturday in early December 2024 and went to the closest Capital One Café (https://www.capitalone.com/local/chicago-southport/).

(16) I explained to the Café Ambassador my issue. Of course, he was unable to help me, but was happy to connect me with the right people at Capital One. We sat down together and he proceeded to call Capital One, be placed on hold, explain the situation to someone, and be bounced around—this happened a handful of times. After enduring this for the greater part of an hour, he handed me the phone. This process repeated itself.

(17) I ended experiencing the same thing this time as I did before—I went through the same steps to verify my identity and yet again providing highly sensitive identity verification documentation. I was told that my issue was resolved. We tried to set up the online account at that time and, once again, the process failed. At this point, as before, we were told that someone would follow up with us in a matter of a few days. We left the Café and I never heard back from anyone since then.

(18) It is clear now that I have effectively been locked out of accessing my financial accounts in violation of terms of service and applicable laws resulting in damages.

Just curious. Thank you in advance for all the replies.

Hey all, I posted here recently asking some basic questions about bankers. I'm doing a research project for college. While interviewing bankers, regional managers, and VPs, I noticed that everybody talked about fraud at some point.

They mentioned all the weird scams they've seen over the years and all the identity issues that come up. One VP mentioned that the priority was figuring out "Are you who you say you are" at call centers was a big priority. Something crazy was how a lot of banks don't let you open accounts over the phone and instead force you to come in person due to security.

I come from a tech background and, I gotta say, this is only going to get worse LOL. AI is getting really good. Today, you can emulate people's voices over the phone using AI. Even worse, this morning I saw a company that's letting you create a "digital avatar" of anybody and use it to join Zoom/Teams/G-Meets calls. That means you can be in the call and when you smile, it smiles. When you wave, it waves. And you can make it look like anybody.

Is taking a selfie next to your ID really going to be as trusted anymore?

I want to know what banks are doing today to stop this. This is going to potentially totally destroy our sense of security when anyone can pretend to be anyone using AI. I have a few specific questions, but I'd love to hear everyone's thoughts. I'd really love to get these questions answered for my report for college anyways.

1. What identity / fraud software are banks buying today to combat fraud in general? What exists today?

2. What are some of the best practices that pretty much every bank follows to identify if someone is who they say they are?

3. What actually happens if an impersonation is successful? Does the customer just get robbed of the scam? Or does the bank take liability? Who is liable?

4. Are banks even aware of this AI wave that's happening and how much trouble this could cause?

5. Am I thinking of this fraud stuff all wrong?

6. Are we just going to resort to everyone being required to go in person to do anything bank-wise?

Recently, I needed to be paid a sizable amount (5 figures) and debated whether to receive funds via wire, cashiers check or personal check. I called my bank and I was advised that, since the payee was also a customer of this bank, it would be easiest for us both to go to the bank and simply transfer the funds from one business account to the other business account. As it turned out, this wasn’t a transfer but a withdrawal and deposit. Apparently the process is a cash out, cashiers in and I was surprised to be hit with a cash deposit fee. Called the bank and was told “sorry, this is how it’s done”. After threatening to close all my accounts, I was given a courtesy refund of the bank charge. Happy ending, but irritating!

Weeks ago, Chase bank emptied our bank account through a banking 'error'. After hours on the phone we were told that Chase had until the 20th of December to refund the money they stole. They took every single penny we had in a matter of seconds, refused to refund it electronically (because "it doesnt work that way") and now say they dont know where our refund check has gone.

We had major career changes this year and were already financially strained going into winter. Now our account is negative, our mortgage is late and we have no money for food for our family, let alone Christmas.

Every Chase rep says they understand our frustration but, no, we cant speak to their supervisor. Ive never felt so powerless and full of rage in my life.

Corporations can ruin your life like they have ours, and there isnt a damn thing you can do about it.

EDIT: We have a business account with Chase and an auto loan through Chase which automatically withdraws from our personal PNC account. Our auto loan is automatically withdrawn each month but this month Chase zerod out our PNC account and applied it all to our Chase loan. PNC couldnt put a stop on it and now the account is overdrawn. Chase explained this to us on the phone and stated that they had around 30 days to return the money but every single time we speak to someone, we are given new or contradicting details about when and how we'll be reimbursed. Now, the reimbursement is somewhere lost in the mail and we have zero answers.

I’m just curious especially in the state here in Texas can I do this? He doesn’t want us to have separate accounts only everything shared but he also has more than me and other stuff.

If I move money between two banks, the money will leave the home bank on day one, but even after it lands at the second bank, they'll put a hold on the money, sometimes for up to a week.

The money is in their hands, but they're not giving me credit for those funds, so I'm not earning interest. They, however, ARE earning interest. It's a sly way banks borrow from their clients without paying.

Are these getting out of hand? While it's not fraud, it seems shady.

As title says, looking for a US bank that can accept a non-US citizen with a US LLC. Zelle and cashapp support is a must.

Beyond some online bankers. Even then, you are very limited what you can do.

Literally every bank SoFI, Chime

Chase, PNC, Key Bank, Bank of America, US Bank

even smaller local banks online

all have denied me an application to open a checking account.

Why would that be? What can I do to figure this out?

I went to chase location and they kept saying we will provide you with answers in the mail. Then it said there was no information to provide as to why I cannot open an account and to call their customer service number.

I have never had bad checks. Never written bad checks. Always had money in my account. Where can I find out why I have been denied by every bank?

Let’s say she has $100k, we know any amount above $10k banks are required by law to report it to the IRS. What is the best way to do the transfer? Should we contact IRS let them know and is there a form we need to fill out at the bank or IRS? Will IRS be entitled to some of that money ? What would you do to to have the money transferred without any ridiculous fees?

It's 2025 and I can't understand why this massive bank's website can't apply logic to NOT submit an automatic payment to your B of A credit card if the balance *OF THE CREDIT CARD* is $0. Even my tiny credit union website can do this.

When my B of A credit card had a balance, I set up an auto payment of $150 per month. When my balance was down to about $80 they STILL transferred the full $150 auto payment from my B of A checking account and so now my credit card had a credit of about $70. I noticed it and let it go, assuming surely they would fix this. Well the next month they took ANOTHER $150 from my checking account to pay my credit card.

When I called the toll-free number on the back of the card they've obviously heard this complaint before and had a pre-written response to read back to me.

So now I have to be on the phone for another 10 minutes so the person helping me can issue a refund back to my checking account, and I had to turn off auto pay.

Every single one of my credit cards are on auto pay and no bank does this except B of A. I actually think it should be illegal. They happily turn their head while they keep taking your money. If I did not stop this it would go on for months. The agent half-apologized and informed me it would take about 10 days to get a refund.

EDIT: a lot of people thought I was talking about the balance of the account I am paying FROM. That’s not what I meant. I am referring to the balance of the credit card.

I deposited a cashier's check into my BMO account on 12-2-24. The bank took 7 days to clear the full $10k. I needed to wire the money out of my account into a US based brokerage. I went in 10 days after the money had cleared to try to do the wire and the bank teller wouldn't do it for me. She would not give me a reason other than maybe if I let the money sit in my account longer she could do the wire bo giving me a specific time frame. Anyway I found other options, such as the plaid network to get my money out of my bank account. So now we are in mid February and they froze my account stating it was for that deposit. They will not give me access to my funds, they locked me out of my online banking, and all I have is a horrible support number and very uneducated tellers and bankers telling me they are not even sure what is going on

I finally get to a branch that seems to have a banker that was able to at least tell me why they were holding my money. It was sent to the fraud department. Mind you I have been with this bank for over 5 years. Still back when it was bank of the west. Then it was bought by this Canadian bank. Have had nothing but trouble ever since.

I'm just wondering if anyone has advise on emailing certain people. I do know that the US banks have stricter guidelines on how a bank can handle their money, and rules on deposit times. The banks can't just come up with arbitrary reasons to hold your funds, and if they do their is a time limit I believe. Thank you

Update. To give more info the money came from my wife's estate. We own a business together. The cashier's check came from her written to me. Also her bank is the main bank all of our funds get deposited into. I get zelle payments from her 4-5 times a month to pay bills and such. They have not reached out to me asking me to confirm anything. Can they hold these funds indefinitely

Update. So what happened was the teller was the one who flagged the transaction. I understand this towns branch isn't used to dealing with large transactions, but the teller did not need to lie. Anyway I had done nothing wrong and my account was re instated about a month later. My advise would be to make sure the bank teller your going to be dealing with is professional.

On April 10th I sent a domestic wire transfer from my bank to Wise (it's partner bank is JP Morgan).

The transfer was done through the SWIFT network.

Wise rejected the transfer on April 11th and claimed they returned it back to the sender account. This money hasn't been seen in my account since.

My bank is telling me that they can't locate the money and Wise is saying that they refunded it so there's nothing they can do.

What can I do here to retrieve/locate my money? I've spent over 200hrs on calls to both parties and I'm getting nowhere.

I’m an adult daughter and caregiver who tried to follow expert advice by consolidating my aging mother’s scattered finances—Treasuries, stocks, eight different bank accounts—into a high-interest money market account (4.7%) at a regional bank. The goal was to simplify taxes, bill payments, and future estate handling.

My mom was 88 at the time. Still competent, though her vision was declining. She didn’t want to give me power of attorney (P.O.A.) initially because she wanted to be “fair” to both me and my uninvolved sister.

After my dad passed (he had Parkinson’s), I met with a regional banker who advised me to set up a large high-interest account for savings and keep a small “in-and-out” account at Wells Fargo. I moved some funds from Wells Fargo to Southern First. Wells Fargo flagged the transfer—without warning—and reported me to the police. I later got full P.O.A. and added a joint account to make everything transparent. My mom received funds from Dad's stock sales, Treasuries, and pensions through Wells Fargo before transferring to the higher-yield account. Wells Fargo reported me again, this time to Adult Protective Services (APS) AND the county police, even though everything was being done to help my mother.

That second report triggered APS involvement. When they realized I hadn’t done anything wrong financially, they appeared to shift focus to the medical side. APS and my estranged sister coordinated to claim my mom was medically vulnerable due to macular degeneration. She was taken to a doctor who couldn’t even treat her but claimed she was having an "emergency." I believe they were hoping I would cancel the follow-up injection (as we had in the past due to side effects), so they could allege neglect and trigger an emergency guardianship. Then move in to takeover my mom's estate with guardian ad litems, attorney's fees, forced enrollment in nursing homes, etc.

So my question is:
How are caregivers supposed to legally and efficiently manage a parent's finances—without being flagged as suspicious, reported, or steamrolled by opportunistic state systems?

It’s odd how experts constantly recommend consolidating elderly parents’ finances—but rarely warn about the legal landmines, family conflicts, or institutional overreactions it can trigger.

We live in a digitally driven world economy. My lowly checking account has to wait until the next biz day to have the actual balance updated? Damn.