Probably a generic phrase used on both apps, but rooting Android phones is (or at least was) commonplace.
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Iāve had that too but itās fine now
Thanks for the reassurance, not had the message again. Was just strange to get that 3 times in the space of 5.mins!
Iād definitely be concerned if I had a notice that many times. Iād reach out to their support team to make them aware of the bug.
Has there been any change to their policy on returning customers yet?
Nope, and I donāt think they ever will. My thesis is the tech stack isnāt there to allow them to do this, but itās so low on their list they never quite get around to it.
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So Iāve just had a fairly major issue the past few days with Chase. Iām very disappointed with how itās played out.
So for context, Iāve had the account for maybe just over a year, though I donāt use it every month as for me itās just not quite there yet. But one feature I like was that you can create āsub-accountsā with new account numbers etc. with ease and instantly. I created one of these sub-accounts for the purpose of it being ādisposableā - as in I can hand these details out to receive payments without the worry that anyone can use it fraudulently because I wouldnāt be keeping any money in it. Purely to receive and transfer out.
So I had a friend who owed me Ā£2000 transfer me money to that account. No problem.
I then transferred it to my āmainā Chase account. No problem.
Sometime later, I then attempted to transfer this money to my main bank account with another bank. The transaction was blocked.
Now this part I donāt really disagree with - I had received what seems to be a large sum of money, compared to my fairly quiet account activity previously, fair enough they want to ask a few questions. I received a message to call Chase CS and at the same time they blocked my access to the app.
So I call Chase, they go through all the standard āis this fraud?ā checks but then say that because itās a large transfer they need me to provide proof of entitlement. This part I really disagreed with because they were asking for chat history screenshots to āproveā the money actually belonged to me. This seemed particularly invasive. I actually had the proof but I didnāt think it was a reasonable request to make. I sent it anyway and they said it would be reviewed. Absolutely no timescales or information provided. Advisors were terribly unsure and didnāt really make me feel at ease. At this point the app was blocked so I couldnāt even see the money in my account. I then received an SMS saying my transfer was cancelled, called up and she had no clue and just said I need to wait.
Around 30 hours later I got the in-app notification that my account had been restored and all was okay now. So a few hours after that, I try to make the transfer again. The exact same transfer that had been blocked. But, it was blocked again, for the same reason.
I contacted in-app CS who after a few hours called me and ran through all of the same fraud checks again and eventually let the payment through.
It wasnāt a great experience and I opened a complaint. Has this ever happened to any of you guys?
I get being suspicious and making sure everything is okay, but when questioning the āproofā required it really made me feel uncomfortable because I would not have evidence on every occasion someone sends money to me, that would just be unusual for person-person transfers or from a family member and itās awkward to ask.
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Thatās the nature of AML checks, though for Ā£2k probably a bit too much.
The agents asking the questions likely also find the process a bit too much, but they are paid to do it.
Shows Chase are on the ball as likely had a fair bit of fraud happen being a new bank.
The complaint probably wonāt go far, t&cs reference and off they go to the next one.
Source of wealth checks can be requested by any bank, not just Chase. As said above, itās all part of the AML Regulations brought in to protect us because too much money is/was moving around unchecked 
PITA tbh, but nothing is going to change for the better/easier now imo.
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Itās definitely a hassle that it took so long and they could probably work to cut that time down or be clearer about whatās happening, but other than that itās just one of those things they have to do.
Itās difficult because itās a pain in the ass when you know itās all legit (same as when I had to phone up and got the 3rd degree over a payment to my own Amex card) but at the same time if they didnāt do it and it was fraud people would say they should have checked it. So all banks (not just Chase) are probably damned either way.
The timeframes and communication could probably be improved though, I donāt like how everything is always so cloak and dagger, but again I guess while you know youāre legit, they donāt. Itās just one of those things we have to put up with these days.
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Thatās why I mentioned that it wasnāt the issue. They blocked the transaction, then went through confirming it, then they blocked it again immediately afterwards.
I need to do the same with my Premium Bonds standing order, youād think theyād have a whitest of known account details for paying banks/credit card providers (as opposed to personal accounts) that would be considered generally lower risk.
Hah yeah, even a few years ago it wasnāt nearly as bad.
What I donāt like is that, on the receiving side, some institutions will only accept the minimum deposit as an opening deposit. For a new account, I like to send a test deposit of Ā£1, then top it up if everything is ok. Some accept that, but others get very uppity and just return the Ā£1. Surely that is their loss, as I then take my business elsewhere. Itās a moveable feast and trial and error to learn. If their processes and deadlines donāt meet with my own, I go back to my tried and trusted channels. Some even say Ā£1 is suspicious - fair enough, but it depends what transactions follow.
Wrt flagging of payments, I assume that it is algorithm driven. Like you I appreciate their reasoning, but do find it rather annoying, especially when they sort it out in their own sweet time. Also Ā£25 seems a pretty low bar.
Chase saving rate increased to 4.1% AER wef 14th August.
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Very low. Tight sods! R-
Yeah theyāve always pushed their increases back by 2-3 weeks. I guess theyāre making the most of the increased margin for as long as they can get away with 
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NETSI 
Yep thatās it. I knew someone would get it
I think N26 won but Iām sure you would have got it eventually 