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Posted by vickyvale on May-05-2003 20:28:

[QUOTE]Originally posted by Endlesswave
I work at Easyline for Td/Ct...

Wow! I work at TDCT too! I'm just a teller though. How do you like it...

Posted by dEsidEL on May-05-2003 20:54:

quote:
Originally posted by vickyvale
[QUOTE]Originally posted by Endlesswave
I work at Easyline for Td/Ct...

Wow! I work at TDCT too! I'm just a teller though. How do you like it...

Chris and I hate the branches ..

Posted by vickyvale on May-05-2003 21:06:

quote:
Originally posted by dEsidEL
Chris and I hate the branches ..

I came in after TDCT merged...but I hear nothing but complaints about the TD rules. I guess everyone liked the way Canada Trust did things. I dunno...line ups are supposedly bad at different branches but ours is pretty slow most of the time so it's not all bad. If I didn't get free banking for being an employee...I'd hate TDCT!!

Posted by AmbiguousBliss on May-05-2003 22:56:

quote:
Originally posted by DJLocoMoco
...credit card companies keep track of all your purchases, they know what your spending range is, and how often you purchase items. So if one day all of a sudden there is this huge amount being charged to your account, the transaction won't go through. They automatically flag "suspicious" purchases. The only way the transaction will go through is if the card owner calls and informs them that it is a legit purchase. So unless the theif is smart enough to guess your spending range he/she will be shit out of luck.

That's a pretty neat thing. I never really thought about that.

Posted by dEsidEL on May-06-2003 04:23:

quote:
Originally posted by vickyvale
I came in after TDCT merged...but I hear nothing but complaints about the TD rules. I guess everyone liked the way Canada Trust did things.

believe me i don't either .. but the thing is CT did everything so lax that the company could not stay profitable that way. i mean hell that's why they're OWNED now ..

Posted by Endlesswave on May-06-2003 04:59:

Posted by King_Mack on May-06-2003 16:25:

quote:
Originally posted by DJRocco
lol no no no i know what he meant.
but if u think about it, a card-scanner is physical... true? i mean u do have to swipe it.

it's pretty much like stealing the card *physicaly* and copying the # down really really fast. EITHER WAY, yes sorry i should have been more clearer.

well its much easier to steal cc #s. Ive worked in retail before..and at small stores, all you need is the credit card signature slips..copy cc # expiry date and name on the cc(with a quick glance at the signature) and you're on your way
Ive never done it before, but during those long days there my mind just runs wild and I came up with it hehe

quote:
You shouldn't worry too much about your credit card number being stolen, why? Because credit card companies keep track of all your purchases, they know what your spending range is, and how often you purchase items. So if one day all of a sudden there is this huge amount being charged to your account, the transaction won't go through. They automatically flag "suspicious" purchases. The only way the transaction will go through is if the card owner calls and informs them that it is a legit purchase. So unless the theif is smart enough to guess your spending range he/she will be shit out of luck.

yep, its a security feature implemented by cc companies to deter big losses. Because usually a person uses a stolen credit card to buy a big item(like electronics) and dispose of the card so it wont get tranced. Unfortunately, cc thieves are now getting a BUNCH of credit card #s and committing smaller charges so it wont be flagged. Use them twice and then dump the numbers

Posted by DigiNut on May-06-2003 18:32:

quote:
Originally posted by Endlesswave
Easyline is ok...except when ppl expect me to release holds...lol

I have sympathy for all support-oriented people who have to take unnecessary shit from angry and ignorant customers (I've been there and so have my friends), but those holds are such B.S., I'm getting ready to close my account with TD. I understand the concept (people do scam), but when I've been banking there over a year, have good credit on my cards and have never been overdrawn or NSF, and they still insist on holding cheques as small as $150 for 5 days when the cheque actually cleared after 2 days, it really pisses me off.

They abuse their contract by taking out interest-free loans on bankers' money. Cheap pricks. (Not you, the TD policy-makers. )

Posted by Endlesswave on May-06-2003 18:34:

*shrugs shoulders*. I don't make the rules, I just follow em.

Posted by Durafei on May-06-2003 19:07:

quote:
Originally posted by DigiNut
I have sympathy for all support-oriented people who have to take unnecessary shit from angry and ignorant customers (I've been there and so have my friends), but those holds are such B.S., I'm getting ready to close my account with TD. I understand the concept (people do scam), but when I've been banking there over a year, have good credit on my cards and have never been overdrawn or NSF, and they still insist on holding cheques as small as $150 for 5 days when the cheque actually cleared after 2 days, it really pisses me off.

They abuse their contract by taking out interest-free loans on bankers' money. Cheap pricks. (Not you, the TD policy-makers. )

Weird.. My cheques were cleared instantly 6 months after I joined TD..

Posted by vickyvale on May-06-2003 20:47:

quote:
Originally posted by Endlesswave
*shrugs shoulders*. I don't make the rules, I just follow em.

Me too. I don't necessarily release holds...well, I can't... but I give back a lot of service charges cuz I think most of them are B.S.

Posted by Endlesswave on May-06-2003 21:31:

Yeah I do that as well. Reverse the service charge bit. The only thing I HATE is when ppl at the branch or wherever don't tell the client how an accoutn they get REALLY works then they assume it works a certain way and get fucked up the ass with service charges. I mean c'mon it's common sense to tell the person this is what you get with this account.

Posted by dEsidEL on May-07-2003 01:58:

quote:
Originally posted by DigiNut
I have sympathy for all support-oriented people who have to take unnecessary shit from angry and ignorant customers (I've been there and so have my friends),

not always true .. i've hung up on unreasonable people before and I kinda like dealing with some of these assholes once in a while since no matter how much they bitch we are still the be all and end all ..

quote:

but those holds are such B.S., I'm getting ready to close my account with TD. I understand the concept (people do scam), but when I've been banking there over a year, have good credit on my cards and have never been overdrawn or NSF, and they still insist on holding cheques as small as $150 for 5 days when the cheque actually cleared after 2 days, it really pisses me off.

They abuse their contract by taking out interest-free loans on bankers' money. Cheap pricks. (Not you, the TD policy-makers. )

so ya like that little hold condition i threw onto ur account eh ?? hehehe ..

Posted by DigiNut on May-07-2003 02:12:

quote:
Originally posted by dEsidEL
so ya like that little hold condition i threw onto ur account eh ?? hehehe ..

It wouldn't even have bothered me if I hadn't opened the account under the condition that the hold would be removed after a few months...

And even then, I could deal with it up to the point where a hold caused one of my cheques to go NSF without me even knowing until 3 weeks later. After all, why would I assume that they still hold small cheques after 15 months...

Posted by dEsidEL on May-07-2003 02:15:

quote:
Originally posted by DigiNut

It wouldn't even have bothered me if I hadn't opened the account under the condition that the hold would be removed after a few months...

And even then, I could deal with it up to the point where a hold caused one of my cheques to go NSF without me even knowing until 3 weeks later. After all, why would I assume that they still hold small cheques after 15 months...

it's not NSF if there's a hold.. it gets sent back as "funds not available". that's why you don't end up with a $20 presentment charge when there's a bounced cheque due to a hold. too bad the payee might slam a charge on you tho ..

oh and btw. NSF fees go up to $30 in June .. enjoy ..

Posted by DigiNut on May-07-2003 02:17:

quote:
Originally posted by dEsidEL
it's not NSF if there's a hold.. it gets sent back as "funds not available". that's why you don't end up with a $20 presentment charge when there's a bounced cheque due to a hold. too bad the payee might slam a charge on you tho ..

oh and btw. NSF fees go up to $30 in June .. enjoy ..

Yeah that's exactly what happened, I didn't get an NSF charge from the bank, but it was a rent cheque and he got charged $25 for it, so I had no choice but to pay the extra (it wasn't his fault).

Wanna take the hold off for me Em?

Posted by dEsidEL on May-07-2003 02:30:

quote:
Originally posted by DigiNut
Yeah that's exactly what happened, I didn't get an NSF charge from the bank, but it was a rent cheque and he got charged $25 for it, so I had no choice but to pay the extra (it wasn't his fault).

Wanna take the hold off for me Em?

no .. but if u like i'll try and downgrade ur beacon score ..

ps. certify the cheque next time ..

Posted by DigiNut on May-07-2003 02:45:

quote:
Originally posted by dEsidEL
no .. but if u like i'll try and downgrade ur beacon score ..

What does that mean?

quote:
ps. certify the cheque next time ..

I can't certify postdated rent cheques.

Posted by monishb on May-07-2003 06:48:

I work for a credit Card Company, yes we do track all activity on your card, I can say regardless if you do your purchases online or at the store, i can rest assure you fraud will remain the same. There is nothing secure out there.

They track your activity, they monitor high area Fraud ZIP & Postal codes, in such cases even if you do not recive your replacement cards or renewals, sometimes we even stop charges knowing you even hold the card. Called for a refferal at the point of sale.

They have people actually sitting and making descisions when you swipe your card.

its not possible to copy card numbers and make charges with expiry dates, because there is a security code on the card itself. which the four or three digit on the back of the card.

these features act as more of security features. if you even make small charges and the card lets it go through the Cardholder may call or check his bill and say these are fraud charges, we have it removed for them.

Posted by 'mju:zik on May-08-2003 10:23:

quote:
Originally posted by psychosomatica
wow. Um.. this system is very susceptible to exploits.. I mean.. say some moron assigned his bank account to this certain e-mail address that is authorized to do such transactions... and some guy hacked it and sent all the money to his own account. It can be very difficult to verify whether it was the account holder who actually authorized this transaction...

if you hacked, why waste time in measly personal accounts? theres a big if tho...not that easy bud...heh bud hehe

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