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Comment by oasisbob | Hacker News Reader

This may vary a lot by bank.

At the small regional bank I used to work for accounts were assigned a home branch, typically where the account was first opened, and that branch had enhanced responsibilities in terms of servicing and maintaining the relationship.

Chase is big enough that their KYC fallout queues probably have an entire team working them, and it wouldn't matter who else you CC on the email.

("Hey Joe, come quick! Just got an email from someone claiming they need their money we just froze...")

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> Chase is big enough that their KYC fallout queues probably have an entire team working them, and it wouldn't matter who else you CC on the email.

The trick is to become so incredibly annoying that some CxO / VP is going to bump you ahead in the queue and assign a dedicated customer experience manager.

Personally, if a bank were to steal $180.000 of my money, a few weeks in I'd probably start considering sticking "Chase is a criminal organization" posters on the doors of their regional headquarters, or getting tickets to industry events just so I can ask them at the Q&A where my money is. They may think "computer says no" is an acceptable answer, but that doesn't mean I can't make their life a living hell too - so why not make my problem our problem?

> Chase is a criminal organization

This should be your operating assumption from Day 1.

>The trick is to become so incredibly annoying that some CxO / VP is going to bump you ahead in the queue and assign a dedicated customer experience manager.

Hard to be annoying when they can just completely ignore and redirect it to /dev/null

It gets a lot easier to be annoying when you add meatspace antics to your portfolio.

> Yes officer, this neerdowell right here.

For those not in the know:

https://en.wikipedia.org/wiki/Wells_Fargo_cross-selling_scan...

There's quite a lot you can do which isn't illegal, but is incredibly annoying. Such as renting a billboard on the CxOs daily commute route or near their golf club. They might be able to personally ignore me, but can they also ignore their golf buddies asking questions about it?

But this isn’t a KYC issue and clearly escalating worked.

Any time I’ve ever had issues that weren’t resolved within 24hrs by t1 support I’ve sent a succinct, mostly emotionless email to anyone I could find and it’s worked every time. Phone companies, banks, hell even the government.

Can confirm KYC really helps (in reverse) at small/regional banks. Shout-out to Midfirst Bank https://www.midfirst.com/about-us for walking the walk.

I deliberately flow a higher percentage of transactions through my, literally 10 min walk away, regional bank branch. I also occasionally (~once/month), literally walk into the lobby (shocking I know) to say "hi!" when withdrawing cash at the ATM for travel.

They know me by name & face. I'm not just a number to the tellers, the manager, and the vp, and likewise back to them.

Shockingly, I get fees waived for wires the occasional cashier's check, and am appraised of anything else going on with the website, upcoming services, and pending transactions (even at high relative holding percentages from one-time routes) flow through like butter.

Relationship banking at its finest.

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