30.9.14

no flyers! please! i trust you even less now!


yep thats the sign on my door. been there for two years now...

with local election coming up, there are lots of noise for campaigning and plea for supports. i put on this sign on my door because i rather not receive junk mail regarding political campaign.  of course, you are a great candidate on paper! what i need to know is what you do not say on the page...

anyhow, last night, i come back home and guess what i find- a campaign pamphlet.
so it being a late-start day, i cannot help self but to write back to the candidate.
politicians, and everyone (as we are all political animals to certain degree), do make sure you are fairly represented through you and your team. all it takes is one lazy person to drop the group...
and so i wrote to him. good luck to him and i hope all candidates do pay attention to all the details they present to the public, especially the careless ones...

hello mr ahmed,
(insert the pic above)

i am disappointed to see that your campaign does not respect citizen's wishes; i have an old sign on my door, i live in a high-rise building.what i found is your campaign pamphlet, dropped by my door.

i certainly would not be trusting your words, as your team does not wishes to respect my wishes.

as a politician, you may not be personally responsible for particular events, however, you may need to take responsibility for it, if it is part of your ward community or involves your team members directly.

this may be an insignificant matter; i am not wanting an apology, however i think it is important for you to consider how you may be represented in multiple levels, should you actually become the ward 27 city councillor.

dr (monkey)

23.9.14

pc bank provides pro service on phone today

https://www.flickr.com/photos/hararis/3016139663/

on phone with pc banking:

monkey: i was wondering if you can help with TFSA acct transfers-
man: (cuts in) NO, you cant do that. no e-transfer for that. okay?
monkey: (huh?) but i have done it in branch? as authorized transfer for registered investments?
man: (takes time)... hmmm, yeah, you can do that.

5 min later

monkey: ...but it's been a month since transfer was initiated? branch person said it would be sufficient time?
man: AHAHAHAH. whoa. ha.
monkey: can you explain?
man: that's when things go smooth.
monkey: okay, so what may go wrong?
man: well, it's a wrong estimate. (with sense of condemnation)
monkey: such as?
man: (big sigh)
monkey: (wtf?)

after rolling more eyes

monkey: ... okay, so i should re-check by friday then?
man: yeah. good day. (ready to hang up)
monkey: (baffled) umm, excuse me? (whats this? you working now or what? your break is up?)
man: yes? what?
monkey: nevermind. good day i guess.

sometimes i wonder why people work in customer service when they clearly are not suited for it. as a phone agent, your job is to listen first, decipher the problem, then find appropriate course of action. is this not entertaining enough? im practically begging for you to answer my questions to begin with!

i mean who the hell says 'what?' when working as a phone agent?
complete sentences will carry you a bit further, mr. chris...


8.9.14

bank emails. yay.

so following up on the last post, all three parties got back to me through email, conveniently suggesting that i call everyone else.  td wants me to call certapay.  certapay says they dont have access to my banking, so i must call back td. pc bank says they cannot handle this so i have to call them back as well.

so far, i am truly amazed that it is taking this long- the fradulent activity of the third party whose email was hacked was on 19 june 2014.  that is 82 days since the beautiful event took place.  now, after about seven phone calls, adding up to well-over seven hours, and a branch visit which took an hour, including more time on the phone through their internal secured line to the loss-prevention dept of td canadatrust AND a new debit card (teller person was sure this would solve the problem, i wish that was true. alas.)  the amount of variations-on-the-theme, 'no, no one is responsible for you, it's the other guys,' has been truly baffling in their presentations and attitudes.  td supervisor on the phone have told me that they cannot possibly tell me where the block is happening from- that i cannot ever find out whether it's through the bank or through certapay.

well, at l east i was told a different answer today. as they both seem invalid, i may as well walk into the branch. after all, people are still searching for higgs-boson and yes, god as well.

here's the body of the email sent to td  and certapy. i did not have enough gas left to call pc. may be tomorrow.

i wonder how far i must pursue this case.  i hope it wont involve an anniversary celebration.  may be i should write directly to the presidents of td canadatrust and certapay. may be they would know. thoughts? wish me luck tomorrow. sigh.


***
hello customer service@td,

after receiving mr's reply, i have called the 24hr help line and had another 50 minutes conversation with loss prevention department person on the phone.
he tells me the only option i have is now to walk into the branch and ask the branch manager to contact the loss prevention centre directly, in order to get in touch with certapay to get my 'block' removed.

now, the initial problem happened on 19 june 2014 (please refer to the forwarded content for details of the case).  this is now 08 september 2014. i called in at least seven times, from europe, spending hours on the phone, i walked into the local branch. they even suggest i get a new bank card and see if that fixes the problem.  you, as the bank, should have access to the record that my debit card number has been switched to a new number in late august.

i have also contacted certapay, and from their reply, the only thing i can understand is they would not take further action unless a fraud investigation has taken place. i have no idea whether this has happened, or if so, what the conclusion was.  here's the body of email from certapay:


Dear (monkey),

Thank you for contacting our Support Centre for the INTERAC e-Transfer* service.  We apologize for the difficulties you are experiencing trying to access the service.

Due to privacy reasons, INTERAC does not have access to your personal banking information.

We will escalate your issue to the TD Loss Prevention.  We suggest you call into TD EasyWeb at 1 866 222-3456 and request to be transferred to the TD Loss Prevention team.  Did you report to TD you were a victim of fraud?  When a client reports they are a victim of fraud, an investigation should be completed.  You should confirm with TD whether they investigated your case and what was the outcome of their investigation.

If TD Loss Prevention requires any assistance from INTERAC, they can contact our Fraud team directly.
...


im getting different answers to same problem over the last three months.  i am a freelancer and i work at rate of (haha, no need for public to know!).  i had to make these phone calls from skype, as i was in europe for the summer (this, you can verify through my visa record, as my transcations should taken place in: united kingdom, spain, south of france, italy and iceland).  i have not had any banking problems prior to this and this particular case started with compromise of third party's account, not even mine.  i have wasted over seven hours of my life so far, chasing variations-on-theme answers, and i do not have any confidence whether tomorrow's visit to the bank will create any practical difference to my problem, i hope the reason would be understandable.

what is your view on this case? what explanation could you send me for this less-than-spectacular communication? how are you going to ever compensate back for my loss of productivity/professional availability as i spent all these hours talking to agents who did not take (well, could not take) any responsibility for the wrong answers that were given to me?

i hope to hear back from you and i really hope tomorrow's visit to the bank branch will somewhat resemble what the specialist recommended over the phone line, as if not, it would be another +1 hr of my life wasted, chasing wrong answers.  please feel free to contact me through email or phone.


sincerely and honestly frustrated, (monkey)

td canadatrust, pc bank, certapay mayhem issue 2.



well, here's body of email replies back from the financial institutions. analysis and reflection to follow...


1. reply back from td canadatrust, ask an expert:
I'm sorry to hear about your situation, (nutters monkey)

Considering the scope of the problem and that it involves more than one transaction, I recommend that you give us a call immediately so we can start to look into this. We definitely want to investigate further and will work towards a resolution as quickly as possible.

We can be reached 24 hours a day at 1-866-222-3456 (available 24/7)

All the best, Hye Won.
Sincerely,
TD Helps Team




2. reply back from interac:
Dear (poor monkey)

Thank you for contacting our Support Centre for the INTERAC e-Transfer* service.  We apologize for the difficulties you are experiencing trying to access the service.

Due to privacy reasons, INTERAC does not have access to your personal banking information.

We will escalate your issue to the TD Loss Prevention.  We suggest you call into TD EasyWeb at 1 866 222-3456 and request to be transferred to the TD Loss Prevention team.  Did you report to TD you were a victim of fraud?  When a client reports they are a victim of fraud, an investigation should be completed.  You should confirm with TD whether they investigated your case and what was the outcome of their investigation.

If TD Loss Prevention requires any assistance from INTERAC, they can contact our Fraud team directly.

*Registered trademark of INTERAC Inc.  Used under license.
Sincerely,
INTERAC e-Transfer Helpdesk
Toll-free number:  1 888 238-6433
(Mon-Fri 7am-10pm ET, Sat/Sun 9am-8pm ET)
Email:  etransfer.helpdesk@interac.ca
Website:  http://www.interac.ca
Interac Be in the Black™




3. reply back from pc banking:
Dear (silly monkey),
Thank you for taking the time to write to us.

The team that answers e-mails does not have access to accounts or personal information. As such, we are unable to fulfill account servicing or investigation requests through this channel.  I apologize for any inconvenience.

To investigate the problem you are experiencing, please call 1-888-723-8881. Assistance is available seven days a week from 7:00 a.m. to midnight local time across Canada. If you are calling from abroad, the number is 1-416-223-0263. Collect calls are not accepted.

 Thank you for using President's Choice Financial.

5.9.14

td, pc bank, certapay: modern day banking woe


i was hoping that may be my first post back from summer would be a nice one, however... sigh.

here's copy of my email to certapay, tdcanadatrust and pc banking. im butting head on the wall. i really hope this can be resolved somehow...  all three are saying the others' responsible. well, it makes no sense to me. may be this is beyond phd level education...
if anyone has any idea of how to tackle this problem, do let me know!


hello,
im having a serious problem with access to e-transfer.
i have two email addresses (hotmail, gmail) and two bank accounts (tdcanadtrust and pc banking).

i have been taking e-transfer payment through tdcanadatrust account without problems.

then early june, one of my clients had his bank account hacked, unfortunately; and even more unfortunately, i was the unlucky recipient of the hack (gmail address). i called td and they told me that i should not have any problems.

however-

since then, i cannot receive e-transfer from anyone, and cannot send from my accounts.

one of my other clients (royal bank) sent a payment to my hotmail address and i was able to receive it through pc banking. so i thought that may be the working solution.

today, i was trying to receive another payment (sent to gmail), which was declined through pc banking + tdcanadatrust. so one of my friends sent me 20 dollars transfer through hotmail, just to see, which i cannot receive through pc banking + tdcanadatrust.

so to sum it all, i cannot receive through:
1. hotmail account - tdbank
2. hotmail account - pc bank
3. gmail account - td bank
4. gmail account- pc bank

at this point, the only logical solution i can imagine is to be able to create a false identity (email address), open up third bank account and may be hope for the best.

i called certapay helpline and person said EMT411 is bank-generated error.
i called tdbank and they say i cannot have email transfer service for indefinite period (and that they wont discuss the matter any further and there's no one who will answer any further)
i called pcbank and they say it is not their fault (error code 4411)
my client called their banks and they say it's my banks who is blocking the transfer.

what are my options now?
do i really need to go and create a false identity?
who is issuing the transfer-stop and how can i get this situation rectified?

i am a freelancer and the e-transfer is quickly becoming a very popular method of payment. without e-transfer access, my life will become much more complicated. please, do help and let me know. if you rather, you can send me a number i can call with the case reference, or you can write back and i will send you my personal number to talk further. i will do pretty much anything at this point, as it's complicated, crazy and there seems to be no one who is actually accountable for this problem, which just cannot be true.

sincerely,
c