don't call me, ask me to verify my SSN, tell me a lie, refuse to tell me your last name or branch you work at, and then get upset when I tell you I'll call, report fraud, and handle anything that needs to be handled. And don't call my cell phone and leave me a message saying to call you back.

Some wench just called my house phone, saying there's an issue with my SSN being a digit off with one of my accounts. I told her there was no way I was giving her my SSN over the phone, but that I was going to call SECU and report fraud.


BTW, it actually was a SECU employee, at the branch across from campus (where I never go, anyway), and I just got off the phone with her boss.

[Edited on November 29, 2007 at 2:16 PM. Reason : I'm kinda pissed.]

11/29/2007 2:14:44 PM

did they sound nigerian?

11/29/2007 2:16:41 PM

daaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaamn

11/29/2007 2:17:44 PM

Not from her accent

I thought her name was Nicole, though. Apparently, it's Nicoba or Nicolba or something

11/29/2007 2:17:45 PM

i hope you didnt get her fired


unless there's a specific security protocol that she violated.

11/29/2007 2:18:29 PM

they were just testin' you

11/29/2007 2:18:59 PM

If she got fired, it's not ambrosia's fault

11/29/2007 2:20:04 PM

I'm a SECU member, can I have your sosh too?

11/29/2007 2:20:04 PM

Quote :

"unless there's a specific security protocol that she violated."

Hopefully, no one gets fired from one phone call like this, without any questioning.

And I asked the branch mgr did SECU policy intentionally go against every grain of common sense when it comes to financial matters and privacy, and he did seem quite bothered.


I'm deciding whether or not to just go in person right now. I have work at 4 on campus, but I don't wanna muddy things up prematurely.


[Edited on November 29, 2007 at 2:21 PM. Reason : slk]

11/29/2007 2:20:37 PM

^^ should never ask for full SSN over the phone. they should also give their name, at least their branch. i wouldn't tell someone a dang thing if any of the above happened to me over the phone

11/29/2007 2:21:18 PM

why are you going in person again?

11/29/2007 2:23:00 PM

- why not?
- it's a good way to get immediate answers
- people take you more seriously when you show them you care enough to show up in person
- I'm a control freak
- someone did something wonky


basically, someone showing up to handle something in person = really serious business

[Edited on November 29, 2007 at 2:25 PM. Reason : asd]

11/29/2007 2:24:25 PM

are you hoping the worker gets fired?

11/29/2007 2:25:43 PM

Quote :

"wonky"

11/29/2007 2:27:00 PM

I don't care about that yet.

I wanna know wtf is going on. Like
- has she done this before
- is she engaging in criminal activity
- why
- is she a new employee
- why she was secretive


the lie she told me: the SSN associated with one of your accounts is off by a digit
She wouldn't tell me which account. I know for damn sure it aint my checking acct, because I always mix up the two sets of four numbers, and so have them look it up by SSN. And your share account is the most important account you have there, so it's not that one either.

[Edited on November 29, 2007 at 2:29 PM. Reason : ljkds]

11/29/2007 2:27:31 PM

11/29/2007 2:33:32 PM

That is sketchy. The only thing that they ever ask you to do is to verify the last 4 digits of your SSN or your account number when YOU call them to conduct bank business over the phone.

11/29/2007 2:42:24 PM

Whatyou gonna do when you go up there to find out nothing is wrong with your SSN's on your accounts?

11/29/2007 2:49:23 PM

^

that's when i'd flip out.

11/29/2007 2:49:58 PM

that's really really fucking weird... I'd def go up there and see what the hell is going on and if the manager agrees there was ANY reason for her to call and ask for your social. Assuming there was a real problem, they should have asked you to come to the branch and verify some things, and gave a real explanation of why. SSN's don't magically change by one digit in their system unless somebody has been messing with it.

[Edited on November 29, 2007 at 2:51 PM. Reason : asdf]

11/29/2007 2:50:41 PM

the more i read on this and think about it, the more i do kinda wonder whats up...thats kinda strange...

11/29/2007 2:52:56 PM

its not like you have millions in your bank account or even thousands don't fucking worry about it, you ain't rich hahahaha

11/29/2007 2:53:57 PM

Ok

I had my SSN backwards with my sister on an account at CCB when I was like a kid. (we got the accounts same day and they were keyed in backwards) There were a retarded amount of forms required to get it fixed. I had to sign and mail originals back to do it. Even then it never got fixed and ultimately I just cleaned out my account there and let them purge it.

Something tells me a SSN being wrong on an account is not something anyone could or would try to fix over the phone.

11/29/2007 2:54:06 PM

you get snail mailed to verify information i thought

11/29/2007 2:58:41 PM

generally they do, it's about the most secure method

11/29/2007 3:00:31 PM

I jsut found out that this is the same agent who told my sister that we needed to both come in with our birth certificate in order to prove that we really were sisters (eligibility is established vertically through the family unit, and not laterally) . My birth certificate is lost somewhere at my parent's house, and doesn't list a father, anyways.

This has been cleared up. Basically,
- my dad's account has my SSN on it. When my sister went in with my dad to open her shares account, they looked for my dad's SSN to verify her eligibility. Of course, they couldn't find it.
- Since my social was on all accounts involved at SECU, they called me (we have a unique last name)
- The agent deviated from standard policy, and was oppositional. Concerned with possible fraud, she was trying to keep any more info from falling into my hands (she doesn't sound bright to begin with)

Quote :

"its not like you have millions in your bank account or even thousands don't fucking worry about it, you ain't rich hahahaha"

I know, right? Doesn't mean someone can't take my SSN and run like the wind with it. I've seen first hand my best friend dealing with some shit that came about during HS with someone using her SSN. NO THANKS

Quote :

"you get snail mailed to verify information i thought"

Or a message on online banking? If it's REALLY critical, a simple call saying "this needs to be fixed immediately. Please come in person to fix this kthxbai"



[Edited on November 29, 2007 at 3:09 PM. Reason : lkj]

11/29/2007 3:06:56 PM

Quote :

"she doesn't sound bright to begin with"

stop picking, at least she has a good job

[Edited on November 29, 2007 at 3:08 PM. Reason : sdfg]

11/29/2007 3:08:13 PM

And she is African, Arab13

Kenyan, I think.

11/29/2007 3:11:45 PM

ambrosia is just upset that she's over weight

11/29/2007 3:32:01 PM

I'm glad I'm not the only one that uses wonky! And give 'em hell!!

11/29/2007 4:05:22 PM

ok so unless secu comes up with something really cool really soon, then i'm taking my money elsewhere

they refused to let me deposit a check in my account today. they made me go to bb&t and cash it where it was drawn, and then bring a thing of cash back to the bank and put it in

they gave me shit, and i thought they only did that if there wasnt money to cover it in the account, or if you were trying to CASH it.

i asked them if they'd just not credit the motherfucker until it cleared the other bank. the manager came out and told me its their policy to accept large checks in deposits.

it totally blew my mind that the bank didnt want my money. i guess if i won the lottery, i'd have to get it in cash.

2/6/2008 9:50:24 PM

capital bank has a really good checking account. 5.01% interest on checking accounts, no minimum balance, all atm fees refunded to you at the end of the month.

2/6/2008 10:19:43 PM

^^ Was this the one on Avent Ferry?

They did that to me over a $400.00 check once.

2/6/2008 11:25:21 PM

^ and ^^^ thats insane, if you have the money to cover it they should cash it...

If you don't have the money they place a 7 day hold and let you have like a max of 150 out of it until the time passes. I've cashed some big checks (several grand) there and they always allowed it along as I had in an account. The one time I didn't I had to deposit it and wait 7 days.

[Edited on February 6, 2008 at 11:54 PM. Reason : .]

2/6/2008 11:51:48 PM

Personally I would want to have the girls head on a stake in my yard, but since that isn't allowed any more, I would want her fired.

2/7/2008 6:12:21 AM

jackleg you aint going anywhere. why would you pay $30 fees instead of $0.50 ones? and secu has better rates

2/7/2008 6:38:32 AM

i wish i had opened an acct there when i was eligible

now i'm going to leave raleigh too soon to try and do it



but i got nailed with a 30 dollar fee over 2.50 this past month

2/7/2008 7:06:42 AM

i recently went to SECU to deposit a large sum of cash.

the lady teller asked "Do you mind if I ask where you got this from?"

wtf. I stuttered and was about to say it wasn't her business when she said "Did you sell your car?"

and I said yeeeeeeeeea

2/7/2008 7:32:01 AM

A few years ago, bofa gave me hassle over a similar situation. I came in and needed to deposit a large check, and then have a cashier's check drawn for about 3/4 of the amount. The manager came out, and started to give the run around. He told me they could, but I would be responsible if it didn't go through. I told him I trusted the person greatly. I then asked if he recognized the name, because he is an exec. in his bank. They gladly made my cashier's check, and I left happily.

[Edited on February 7, 2008 at 7:35 AM. Reason : ]

2/7/2008 7:33:25 AM

Wachovia just deposits it, and if it bounces later, takes the money back out of your account.

2/7/2008 8:01:07 AM

Quote :

"capital bank has a really good checking account. 5.01% interest on checking accounts, no minimum balance, all atm fees refunded to you at the end of the month."

5% on checking? right now? for real? my SECU money market interest rate is down to 3.92%

2/7/2008 9:04:07 AM

yeah, the only requirement to get the 5% interest is you have to have one direct deposit each month, which most people have anyway...I think if you don't have one, then the interest goes down to like 2 or 3%.

2/7/2008 9:07:38 AM

The capital bank acct sounds good--when they say "all ATM fees" I'm assuming that you get charged by them for using an ATM and then they refund the charge? It seems impossible that they would cover the fee charged by the ATM operator. Though I could be wrong.

While I do like the idea of 5% interest rather than however much SECU gives (IIRC less than 1%) it would be a giant hassle to switch banks though. Wonder how much I'd make in a year interest-wise...?

Also, one of the really nice things about SECU is their low fees. I tend to have a minor issue with remembering exactly how much is in my checking account towards the end of the month, but since their overdraft fees are so low ($0.50 per occasion) it's no big deal. Wachovia on the other hand, where I still have a small account in case I can find one of their ATMs but not a cash points, charged me I think $20 the last time I overdrafted there.

2/7/2008 9:54:12 AM

Quote :

"Monthly conditions include each of the following: One direct deposit or draft Ten debit/check card transactions View your statement online "

2/7/2008 9:55:36 AM

^ok, I wasn't aware of the other two conditions, but I do that anyway so I still get the interest. I think most people have at least 10 debit or check card transactions and view their statement online. And they do cover the fee for the ATM operators. So, you can use any ATM you want and get the fees back at the end of the month. They also have their own ATMs and those are fee free.

2/7/2008 10:04:58 AM

i wasnt knocking them, i was just posting the info.

2/7/2008 10:05:49 AM

yeah, but I still didn't know that

2/7/2008 10:06:16 AM

When I was home in Charlotte my dad had probably 8 years worth the change he wanted to get cashed out so I told him since I was a member of secu we could take it there. Fact: the machine doesn't like it when you throw a metal golf ball marker in with the jars of change. But after grinding down the metal somewhat it spit it out in the return coin tray. It was still pretty toasty from all the heat build up due to friction. On a side note: the machine does count sacajuwia(no fucking clue how to spell that) coins, susan b anthony coins, and $0.50 coins.

2/7/2008 10:47:21 AM

I accidentally found out that they count some won coins in their coin counters too

and I had the best experience at the centennial SECU today! They gave me a check book for the wrong account which caused a check to bounce, but they're taking care of the late fees and everything because it was their mistake.

woot

3/18/2008 1:37:44 PM

Set em up!

3/19/2008 9:22:11 AM