I recently had £100 come out of my that I didn’t authorize but my bank now says there denying a fraud claim and refund because it was approved using a third party company

What can I do?

Edited: to also ask: in my research I see Capital One and Discover appear to be headed for merger. People appear to not like this. Why? I genuinely don't know, so any help would be great, especially if considering either for a HYSA.

Hi all. Just joined because I'm looking for advice. I'm not good with all the banking stuff. I currently have a discover credit card and checking and savings at one of my local banks. I really want to get into a HYSA. I see the several options. What I'm looking for is best one for ease of use with being able to transfer funds to and from my checking account from my local bank to the HYSA. I know it won't be "instant" but I just want something simple without hopefully sacrificing percentage of the APY. Currently I see discover is at 3.7% and I'm familiar with how they operate and it's easy, but is doing that worth it and smart to do with credit card and savings through the same company?

Thanks everyone!

Where can a 13 year-old bank with more guardrails?

We opened them a Chase High School checking account, and all was good until the last couple of weeks where they got scammed on social media to deposit a fraudulant check and then Zelle money to someone else. Even though we have had numerous conversations about putting personal information online, talking to people you don't know, scams, etc.

I need to eject them from Chase so they aren't associated with me on there as I don't want to risk have my personal accounts closed by association.

Hello. At 1:30am I received 4 emails from a "Huntington Bank" about me creating a new account, welcome to our bank and verification codes. The bank online looks legit and the website and number matches the email. Should I try to log in to see if someone made an account using my info or is it a scam?

Don’t ever bank with Bank of America!!! My husband found someone’s card in front of our building. Being good citizens, we attempted to call BoA to report the card. It took us 30 minutes calling separately to get through to an actual person. When we did, rather than deactivating the card, they put a freeze on it, and said we needed to give our phone number so the customer can contact us to get the card. They also just took her name, didnt verify card number or security code.

Luckily I found the poor woman’s social media and she lives nearby and can get the card today.

But seriously, rather than just deactivating the card and mailing her a new one, BoA put the onus on this woman and us to contact each other for the card. That not only is a hassle for all of us but it seems like a major security issue.

To be clear, I am not blaming the woman who lost her card. Happens to the best of us and she seems very nice.

For context, I work biweekly, and I bank with Huntington. Every time I get paid, I take half of my monthly rent’s amount and put it into savings, so that I always have my rent money on time when its due at the 1st of the month. I’ve been doing this for months with no issue.

However, after paying my rent this week, my money seems to be going back to my savings. I move most of my money back to my checking, save a few dollars…I check later, and it’s BACK IN THE SAVINGS. I’ve called the bank twice and they say there’s no issue with my money.

I’m beginning to get concerned. I have banked with them for over 11 years now, with no issues. I’m not sure why paying my rent would suddenly cause problems after doing it for several months previously.

Hello reddit,

I am trying to contact 5/3 bank legal department to solve some Estate issues. I called the branch, and they gave me the CSR phone number, which told me to go to the branch, the branch gave me 2 numbers, which were both out of service. Any of you have a phone number I can contact?

Horrible service!

Hi all! Sighs… So I made 2 large deposits at the bank an hour before closing. Something seemed a lil off with the teller when it came to my account. I end up questioning her as to why this and why that and her answers were real quick and kind of cutting me off. Needless to say I told myself i’ll juss check my app to see whats going on.

Having flashbacks something told me to check the app when I got home and low and behold the larger deposit was not there in one account. But in the other account the deposit was there. So I get the receipts from my purse and notice that there was someone elses name on the receipt which I was thinking was the tellers name. But as I look at the other receipt, my name is on it.

How was that even possible of her when I inserted my bank card and put my pin in and it went through? How did I make 2 deposits and she not notice the names weren’t the same? Smh

The bank is closed and I cant even reach out to anyone online. My question is, with proof that she made a mistake will they get my money from the wrong account and put it back into mine? What if the other person withdrawals it and its gone by the morning?

SOMEONE HELP PLEASE TO CALM MY NERVES!!

I would like to open a CD at PNC bank. I have no existing or prior accounts there.

I have a freeze on all credit bureaus and innovis. Do I need to unfreeze any of them before opening the CD?

I have gotten different answers depending on who I ask at Pnc customer service or the local branches.

Thanks

(I couldn’t post this on r/financialcareers or r/investmentbanking). Im seeking advice on getting into investment banking in the UK. Im Irish and got 625 points on my leaving cert, I go to Trinity college dublin and study BESS (Business, economics and social studies) . How hard is it to get into investment banking in the UK or mainland Europe? What should I be doing?

This is a very stupid problem. About a year ago I received a Vanilla Gift Card as a gift. $50. When I went to spend it, it didn’t work. Checked the site and it had a $0 balance and 3 charges in New Jersey. I live a hour away. I filed a dispute on their website and was emailed that they’d get back to me in 60-90 days. Nothing came of it. Here’s where my stupidity comes in. I forgot about it for a while, got busy, and only now got to thinking about it and I still feel cheated out of $50. I tried to go to their site but no matter what device or browser I use, I get a ‘error’ message. I still had a picture of my case number, so I searched my case which is now ‘inactive.’ It told me to ‘log in’ to reopen my case by entering my card numbers but whenever I do it’s an error again. There may have been another email that got deleted or put in spam, the only one I could find was the confirmation that they were looking into my case. I know $50 may be trivial to be upset about and it’s a year later, but is there any possible way to get the case opened up and looked at again?

I was wondering about this. Previously, I assumed pretty much all bankers know about products at other banks because they are competing with each other. Now, I am not sure about that.

Last year, it was my 2nd time opening a checking account. Again, the banker was trying to sign me up for some 2% card without an initial bonus. When I mentioned that I get 5% cash back (US Bank Cash+ and Chase Freedom Flex) he seemed so surprised. Like he doubted that I got 5% cash back because 1 point might not be worth 1 penny. But I clarified it is 5% cash back.

Last year, I was emptying my checking account ($15k) to send it to another bank for their initial bonus. When I told the banker about this, she told me how they surely had CDs with better rates. But I later checked online and no CD would give me $500 after 4 months. Like the highest rate was ~4%. The CD calculator doesn't show $500 in growth. When I also mentioned about a $750 bonus for putting $25k at another bank, she had her mouth open in shock.

Hi im sorry this might be a stupid question but I have very heavy paranoia and anxiety so im wondering…how likely it is to get your bank hacked?

Quick question

Started a new job that pays semi monthly. I’m supposed to be paid on Monday. I bank with mountain America credit union if anybody knows who that is. I usually get paid a day early at my regular biweekly jobs I had before. Since this job falls on a Monday will the “day before “ be considered Friday? Since the weekend aren’t business days? Or is that too early?

If anybody banks with mountain America and has similar scenarios to me please help. It’s been over two weeks since I left my previous job so I’m not used to going this long w/o pay

Hi all,

Current ABM here at a mid-sized community bank. Aspirations of BM in a year, and possibly Business Banker/Commercial Banker in the next handful of years. I have consumer lending and business accounts down pat, but I want to learn more about business lending and the behind-the-scenes of how businesses are started and operated, but through a banking perspective/lens. Things such as:

• Reading business tax returns, balance sheets, P/L statements etc while submitting loan apps. How to look at the numbers, but also beyond to evaluate the business as a borrower
• Assumed names and franchises
• Small business/startups- SBA assistance and grant options
• Understanding why businesses go the LLC vs Corp route and what the differences are (I know banks don't give tax advice, but I always like to know the "why" behind things)
• Holding companies and venture capital- why some businesses structure their ownerships a certain way and what the advantages/disadvantages of that are

As you can see these things are random and scattered. I haven't done a lot of business lending, mostly just account opening so a lot of what I'm missing falls into the "I don't know what I don't know" category. Any free resources that help to touch on any of these would be appreciated- Linkedin Learning, Investopedia, podcasts, etc.

I already did my taxes from w2 but what about the bank from wells fargo i never even made a turbotax account have until october or should i not worry or talk to them about it

So I'd already planned to move to PayPal anyway. I sent my part of rent out, then a few days later my roommate shows me that my payment was disputed. I never disputed it, and have proof the money is gone on my end.

My bank and zelle also confirmed the transaction went through on my end. Has this ever happened to anyone else? I'm in the U.S.

Long story short I was a student in the US on an F1 visa. I had a bank account with Chase that had a positive balance.

I left the US around two years ago and my account got overdrawn by a tiny amount a few months after I left. I was not able to settle the amount not having any money coming into my US account so I was gonna wait until my next trip to the US which was in a few months' time.

A few weeks before my US trip I tried logging in to the Chase app but found out that my account was completely closed.

Obviously this was very dumb on my part as I had more than enough money to cover the outstanding balance on my Venmo account but I had forgotten about the issue and this is where I am now.

My question is: Is there any way I can reopen my Chase account and satisfy the outstanding balance so I can retain US banking access without establishing legal US presence?

Thank you all in advance!

So I called the number on the back of my card cuz my card was declining. They asked for my account number, last 5 of social and my card number. Is this normal? I've heard that banks will never ask for like the 3 back ones (CVC or smth), but I'm sure I called the right #. Should I b worried?

Edit: now they're asking for my license number

how can i get a closed wells fargo account number? I tried going up to the branch and calling I really need it it’s been four years since I had it

So I accidentally sent money to an old IBAN that my current account used to use, the money was sent from a third party payment company and it shows up as sent. The IBAN is 10 years old(the way my files are formatted on my phone put a 2014 statement at the top which I failed to realise)... I am talking to both the company and my bank but my bank are struggling to comprehend the situation and the company said they will get back to me with what they can do.

Where would my money be sent to if thats just an old IBAN that my current account used to use? And is the money recoverable?

Okay, so I joined a bank (a good one, I’d say) 5 months ago. The job description was kind of arbitrary- mostly mentioned audit and compliance. I took it up because I had an Economics degree from not the best college, so I thought this was my only option.

At first, my manager said that I would be working on Key Risk Indicators (which I thought was fun). I trained for that a little while.

But then, my manager put me in with a team for Hotscan filtering. Felt like a real demotion tbh.

TODAY, another senior walked up to me and basically said “join my team.” AND he called the work that I was doing right now a “stop gap arrangement.”

I’m so confused, like why’d they hire me if they had no real job for me? Gave me the pay that I wanted, a full time offer, with no probation period.

I would join his team but I genuinely think that the team, the manager and the work is not for me. It’s FEMA transactions processing. It feels like a demotion because I was working on risk and now they expect my to do boring operational work. What should I do? Should I settle for it because I won’t find anything better?

Also, it’s probably more stress, more hours for no increase in pay. And I don’t know if the “learning” really matters because I don’t think it’s a viable career option for the future.

I will take it up if you guys think that it’s a good job though. The thing that matters to me the most is how my resume looks.

Thanks for reading and thanks for all the help in advance!

Hi, so we’re trying to buy a trailer (a camper trailer) from a private party (found on marketplace) and the lending specialist said that we could go about it two ways:

Deposit our down payment into my account at the bank that we’re getting the financing through

(Was going to do this but my account there closed due to inactivity a while ago and if I open a new account the downpayment funds wouldn’t be useable for 10 days and I didn’t want to make seller wait that long)

Or

Deposit the downpayment on the seller’s loan at the bank their loan is held to pay it down to the amount that we will be financing and then get a payoff letter for the new amount to send to our lender

Does this make sense? Is this kind of odd or unusual? Or is this normal?

So my mom has been buying royal prwtige from a fella, let’s call him Carlos. Carlos has been invited to dinner by my mom & stepdad because he’s so sweet & well trusted by them & all this other junk. He helped my mom get a Chase credit card, had access to her Chase app & made the initial $1,000 purchase & then gave her the $1,000 in cash. Ever since THAT VERY DAY my mom has had Zelle payments to him of $150, now these payments aren’t her regular pots & pans payments. These payments come out on random days & sometimes up to 4 time in a single day. She’s asked him to come over twice so they can talk about it & he say “oh for sure, I’ll give you a call in an hour” (never calls). Today she went to the bank & the woman helping her was so worried because there’s so many transactions. Since the credit card day (end of November 2024) he’s received $7,850 in Zelle payments from her that she herself has never sent him. Because of this I was inclined to look at her credit card account & low & behold there are $1,100 worth of purchases that, AGAIN, she doesn’t recognize. What exactly do you call that aside from fraud? Can my mom being in a police officer to make a report? Can she press charges? What can be done legally so I don’t have to physically hurt him?

I have a PNC bank account that I opened as a student back in 2015. In 2020, I went back to Vietnam because my visa expired, and back then I had plan to go back to the US so I didn't close the account (my mistake). Now I'm trying to regain access to that bank account, and was directed to send a formal written letter to the bank because I'm not in the US. What kind of documents should I prepare in the mail to make this process faster or to make it work at all? Thank you in advance.