PATRIOT Act banking problem

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  • neewwman
    Confirmed User
    • Jan 2002
    • 1737
    #1

    PATRIOT Act banking problem

    I just got notice from my bank that I have 30 days to close four accounts because one of my accounts (no doubt my porn-business account) has been identified as "high risk" and they don't want the headache of doing the due diligence to make sure I'm not a terrorist.

    What a fucking pain in the neck! Have any of you had this problem? Anyone know of banks willing to handle "high risk" accounts?

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    • Webby
      Too lazy to set a custom title
      • Oct 2002
      • 14956
      #2
      Funny, but sorry you are getting the idiot crap problem.

      Sure they don't want to do the "due diligence" - it's called being bone lazy - tho not unusual with banks.
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        Comment

        • RP Fade
          Confirmed User
          • Sep 2003
          • 3343
          #3
          which bank if you dont mind me asking?
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            Comment

            • Phoenix
              BACON BACON BACON
              • Nov 2002
              • 35475
              #4
              what bank is that?
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                Comment

                • Masterchief
                  Confirmed User
                  • Jun 2006
                  • 530
                  #5
                  Patriot act doesn't have much to do with terrorism in regards to banking.

                  in reality it's just something that gives them a reason to pull your credit report so that when you do something like open a savings account they can also sell you a mortgage, auto line, credit cards and etc.

                    Comment

                    • abshard
                      Confirmed User
                      • Jan 2002
                      • 6524
                      #6
                      Originally posted by Phoenix
                      what bank is that?
                      My guess is Bank of America

                      I have always had a bad experience whenever i went to a branch.

                        Comment

                        • RP Fade
                          Confirmed User
                          • Sep 2003
                          • 3343
                          #7
                          Originally posted by Masterchief
                          Patriot act doesn't have much to do with terrorism in regards to banking.

                          in reality it's just something that gives them a reason to pull your credit report so that when you do something like open a savings account they can also sell you a mortgage, auto line, credit cards and etc.
                          actually...i encountered this 'patriot act' new banking law/procedure with our bank when i was trying to setup wire payments for our program prior to our merger with NS. I wanted to be able to call in or at least fax/email wire instruction payments for our payouts and the bank manager told me because of the patriot act, outgoing wire had to be 'pre-approved' and we needed to fill out a form for each outgoing repetitive wire. That was a while ago, not sure if the manager was full of shit or standard procedure at that time..
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                            • GatorB
                              The Demon & 12clicks
                              • Oct 2001
                              • 18208
                              #8
                              Originally posted by abshard
                              My guess is Bank of America

                              I have always had a bad experience whenever i went to a branch.
                              4 years and never a problem

                                Comment

                                • neewwman
                                  Confirmed User
                                  • Jan 2002
                                  • 1737
                                  #9
                                  It's City National Bank and I am in their "private banking" division which is supposed to be for VIPs, but no one called me, I just get certified letters.

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                                    • pornguy
                                      Too lazy to set a custom title
                                      • Mar 2003
                                      • 62910
                                      #10
                                      Originally posted by GatorB
                                      4 years and never a problem
                                      I hope that you knocked on some wood, and crossed your fingers and everything
                                      They have been nailing accounts all over the place.
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                                        • ServerGenius
                                          Confirmed User
                                          • Feb 2002
                                          • 9377
                                          #11
                                          usually banks don't have a problem with porn but their clients do and I don't
                                          mean your neighbour unless you live next to Microsoft of course
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                                            Comment

                                            • ServerGenius
                                              Confirmed User
                                              • Feb 2002
                                              • 9377
                                              #12
                                              Originally posted by GatorB
                                              4 years and never a problem
                                              Go to your bank tomorrow and explain them your business so they can
                                              advise you how they can best accomodate you.
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                                                • Webby
                                                  Too lazy to set a custom title
                                                  • Oct 2002
                                                  • 14956
                                                  #13
                                                  Originally posted by ServerGenius
                                                  usually banks don't have a problem with porn but their clients do and I don't
                                                  mean your neighbour unless you live next to Microsoft of course
                                                  Same experience SG - never ever had a problem with any bank in well over 3 decades in the biz. At one point, we even employed our bank manager - he turned out to be a valuable asset!
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                                                    Comment

                                                    • neewwman
                                                      Confirmed User
                                                      • Jan 2002
                                                      • 1737
                                                      #14
                                                      I'm sure they don't even know it's porn.

                                                      I think it must have gotten flagged because there's a lot of money going in and out and a lot of wires from foreign countries.

                                                      Anyone know a bank that won't have a problem with that? (I'm in Orange County California if we're talking local banks.)

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                                                        Comment

                                                        • ServerGenius
                                                          Confirmed User
                                                          • Feb 2002
                                                          • 9377
                                                          #15
                                                          Originally posted by Webby
                                                          Same experience SG - never ever had a problem with any bank in well over 3 decades in the biz. At one point, we even employed our bank manager - he turned out to be a valuable asset!
                                                          If banks find it out any other way than you telling them is exactly and the only
                                                          thing they're worried about coz if they can find out other can too. Banks in
                                                          general don't care where your money comes, banks even gladly take drugs
                                                          money as long as nobody knows including them.
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                                                            Comment

                                                            • ServerGenius
                                                              Confirmed User
                                                              • Feb 2002
                                                              • 9377
                                                              #16
                                                              Originally posted by neewwman
                                                              I'm sure they don't even know it's porn.

                                                              I think it must have gotten flagged because there's a lot of money going in and out and a lot of wires from foreign countries.

                                                              Anyone know a bank that won't have a problem with that? (I'm in Orange County California if we're talking local banks.)
                                                              I doubt that's true....coz instead of inmediately cancelling your account they
                                                              would have asked you to come and explain your business followed by the
                                                              default so we better understand your business and we can better accomodate
                                                              you with their services.

                                                              It's more likely that you received wires from other blacklisted companies wether
                                                              porn or something else.
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                                                                Comment

                                                                • neewwman
                                                                  Confirmed User
                                                                  • Jan 2002
                                                                  • 1737
                                                                  #17
                                                                  Well, I just talked to the bank and they aren't going to change their minds. My rep said they don't want to be associated with "that industry." I said I guess you figured out what the industry was on your own, and she said yes.

                                                                  She recommended going with a larger bank like Wells Fargo or Bank of America.

                                                                  Would like to know if anyone wants to warn me away from either of those.

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                                                                    Comment

                                                                    • abshard
                                                                      Confirmed User
                                                                      • Jan 2002
                                                                      • 6524
                                                                      #18
                                                                      I have never used Wells Fargo but i would not choose Bank of America if i was you. I personally like WaMu (Washington Mutual) myself.

                                                                        Comment

                                                                        • ztik
                                                                          Confirmed User
                                                                          • Aug 2001
                                                                          • 5196
                                                                          #19
                                                                          Wells Fargo doesn't care. I used to send hundreds of wires a month to places like hungry, germany, russia(usa too). Never even me about them. They do call sometimes to ask if they can be of any assistance or to offer me some new CEO account crap they have.
                                                                          .

                                                                            Comment

                                                                            • ztik
                                                                              Confirmed User
                                                                              • Aug 2001
                                                                              • 5196
                                                                              #20
                                                                              I also have personal accounts and WaMu and they are good too. I don't send or get alot of wires there though.
                                                                              .

                                                                                Comment

                                                                                • nikooo
                                                                                  Confirmed User
                                                                                  • Apr 2007
                                                                                  • 1199
                                                                                  #21
                                                                                  Bad luck.....mate

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                                                                                    • Brad Mitchell
                                                                                      Confirmed User
                                                                                      • Nov 2001
                                                                                      • 9813
                                                                                      #22
                                                                                      Good luck Neewwman. Man, who would have thought this 6 years ago..

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                                                                                        • bigalownz
                                                                                          Confirmed User
                                                                                          • Aug 2005
                                                                                          • 1657
                                                                                          #23
                                                                                          Fuck them

                                                                                          just go to another bank

                                                                                          there alot out there who will love your business
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                                                                                            • cherrylula
                                                                                              lol
                                                                                              • Jan 2002
                                                                                              • 15969
                                                                                              #24
                                                                                              Wells Fargo, geniuses they are.

                                                                                              I was moving and asked about sending my checks for deposit through the US mail, inquiring about where to send them. The bank MANAGER tells me its not a good idea because my deposit would be sitting in their mail sack out on the sidewalk before they open and that it wasn't too safe. Dumbass, he knew absolutely nothing about what I was asking. The guy barely spoke english, and he was the manager.

                                                                                              Just about every bank has a mail deposit address, you don't mail it to your branch. This guy was ignorant to the entire concept and he was bank manager. I easily found the info online. NEVER listen to a bank employee, they are some of the dumbest people to get jobs ever and can fuck up your credit through their ignorant behavior and lack of intelligence. I don't know what they require to qualify for a bank position, but its not much that is for sure. College drop outs are welcome. I wonder if they even require high school diplomas.

                                                                                              Its really scary to think you are trusting these types of people with your money.

                                                                                                Comment

                                                                                                • schneemann
                                                                                                  Confirmed User
                                                                                                  • Oct 2006
                                                                                                  • 749
                                                                                                  #25
                                                                                                  Originally posted by Masterchief
                                                                                                  Patriot act doesn't have much to do with terrorism in regards to banking.

                                                                                                  in reality it's just something that gives them a reason to pull your credit report so that when you do something like open a savings account they can also sell you a mortgage, auto line, credit cards and etc.
                                                                                                  You're an idiot.
                                                                                                  Deranged World

                                                                                                    Comment

                                                                                                    • woj
                                                                                                      <&(©¿©)&>
                                                                                                      • Jul 2002
                                                                                                      • 47880
                                                                                                      #26
                                                                                                      You are probably doing nothing wrong, but a letter a from a bank would beat a letter from fbi or some other government agency any day...
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                                                                                                        • YanksAngel
                                                                                                          Confirmed User
                                                                                                          • Dec 2006
                                                                                                          • 134
                                                                                                          #27
                                                                                                          Actually the US has just lowered the boom on visa and mastercard and have forbid or made it unlawful for them to fund americans online at gambling facilities. You may think this is no reflection on us but I assure you it is. They are not letting up either. For every loophole that is found they are literally only 2 weeks behind them shutting it down. Bout the only way to fund using your credit card is by buying gold. Do you think they might try and stop porn next?
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                                                                                                            • DWB
                                                                                                              Registered User
                                                                                                              • Jul 2003
                                                                                                              • 31779
                                                                                                              #28
                                                                                                              Dude... I had the same thing happen with one of my USA banks.

                                                                                                              I had been with them for over 10 years, have a rather large savings account, personal checking and two business accounts (both adult, 1 online and 1 offilne). Between my two biz accounts I send well over 1 mil a year through them.

                                                                                                              In the time I was with them, I never once had an overdraw or a bounced check. Never a single problem.

                                                                                                              Then without warning ALL ACCOUNTS CLOSED due to suspect of fraudulent activity and now I was a high risk. WTF?????

                                                                                                              So I opened one small acccount at another bank just to have something local, and everything else went... went... well, you know where it went.

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