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 ..

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Palm Trees > Pine Trees , Sand > Snow

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...

___________________
My party schedule:
2009-02-21 - DJ Attention @ I'm So Popular
2009-06-18 - DJ Annoying @ People Need To Know Where I'll Be
2012-11-32 - DJ Insufferable ɸ Or At Least the Stalkers I Complain About
2048-06-66 - Spastic & Whocares ¶ Although I'm Actually Flattered
9999-45-81 - Tweaker Gimp ☼ I Probably Won't Even Go To This But I Have To Make Sure I Fill Up All The Available Space Here

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 ..

___________________
Palm Trees > Pine Trees , Sand > Snow

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?

___________________
My party schedule:
2009-02-21 - DJ Attention @ I'm So Popular
2009-06-18 - DJ Annoying @ People Need To Know Where I'll Be
2012-11-32 - DJ Insufferable ɸ Or At Least the Stalkers I Complain About
2048-06-66 - Spastic & Whocares ¶ Although I'm Actually Flattered
9999-45-81 - Tweaker Gimp ☼ I Probably Won't Even Go To This But I Have To Make Sure I Fill Up All The Available Space Here

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 ..

___________________
Palm Trees > Pine Trees , Sand > Snow

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.

___________________
My party schedule:
2009-02-21 - DJ Attention @ I'm So Popular
2009-06-18 - DJ Annoying @ People Need To Know Where I'll Be
2012-11-32 - DJ Insufferable ɸ Or At Least the Stalkers I Complain About
2048-06-66 - Spastic & Whocares ¶ Although I'm Actually Flattered
9999-45-81 - Tweaker Gimp ☼ I Probably Won't Even Go To This But I Have To Make Sure I Fill Up All The Available Space Here

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.

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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boomchikaboom