Western Union Flagging

Bucky

New Member
I wired money through WU recently. The teller at the pharmacy had not performed a WU transaction before, so the manager had to walk her through it. They worked at the computer for the transfer and just before the end he said to her "and you click right here if it is a shady transaction". I don't think they did this for me and in my case, it wouldn't lead anywhere, but that was kind of scary. If you ask me, that feature is a form of predjudice because the only thing that could have made the transaction "shady" was my appearance. The information exchange took place on the phone. All she had to do was enter the transaction number and collect the cash. Anyone have any experience with a flagged WU transaction? I hear WU is one of the worst ways to wire money, but I didn't have MG as an option this time.
 
Don't worry about it bro I have sent money and the source gets flagged twice. Luckily first time was $200 worth I left it.
Second time was $600 I just had to go thought this whole bullshit processes to get my money back. Nothing happens they don't ask you nothing personal besides the information you put on the papar and its all done through phone.
 
I have never had one issue dealing with western union. I always go in person to different locations each time though and i never do it over the phone. I just walk in there like i do with anything in life, i walk in like i own the place and have the "don't fuck with me" look on my face. I have been asked one time if i knew who i was sending the money to before and i simply said "now why the fuck would i send money to someone i don't know". Most of the time it's younger kids behind the counter and now a days usually anyone under 25 is either fat as hell or homosexual.
 
I have never had one issue dealing with western union. I always go in person to different locations each time though and i never do it over the phone. I just walk in there like i do with anything in life, i walk in like i own the place and have the "don't fuck with me" look on my face. I have been asked one time if i knew who i was sending the money to before and i simply said "now why the fuck would i send money to someone i don't know". Most of the time it's younger kids behind the counter and now a days usually anyone under 25 is either fat as hell or homosexual.

[:o)][:o)]
 
I think a lot of it is related to anti terror laws & such. I know here there is a limit to how much can be sent within a certain time frame and I think there is also a limit to what you can send online without showing up in person.
Basically if you're sending money overseas they want to know if your funding a terrorist or such.
 
I have never had one issue dealing with western union. I always go in person to different locations each time though and i never do it over the phone. I just walk in there like i do with anything in life, i walk in like i own the place and have the "don't fuck with me" look on my face. I have been asked one time if i knew who i was sending the money to before and i simply said "now why the fuck would i send money to someone i don't know". Most of the time it's younger kids behind the counter and now a days usually anyone under 25 is either fat as hell or homosexual.

Usually my response would be " dont worry about my business, bud." I think i'll be switching to the above. thank you sir! lol.
 
I wired money through WU recently. The teller at the pharmacy had not performed a WU transaction before, so the manager had to walk her through it. They worked at the computer for the transfer and just before the end he said to her "and you click right here if it is a shady transaction". I don't think they did this for me and in my case, it wouldn't lead anywhere, but that was kind of scary. If you ask me, that feature is a form of predjudice because the only thing that could have made the transaction "shady" was my appearance. The information exchange took place on the phone. All she had to do was enter the transaction number and collect the cash. Anyone have any experience with a flagged WU transaction? I hear WU is one of the worst ways to wire money, but I didn't have MG as an option this time.

You would think they wouldnt care considering they are making damn near 20 dollars everytime.
 
I assume you will get more questions over the phone since people feel safer asking questions when it's not in person. For the most part you wont get any silly questions from a face to face western union transaction. Like i said previously, if some fat emo kid asks you anything just be a total asshole. You will be amazed at how fast they want to get your transaction done :)
 
I seem to recall I ultimately realized you could set that up on line and handle the deal yourself. Maybe that was Moneygram or something else. Don't think I ever looked very deep, I just recall it may have been a way to avoid having to waste the gas. Not doing any transactions like that in YEARS, I STILL recall the last time cause I was doing it for a buddy and every damn WU outlet in the area was either disabled, broken, or closed at the time I was there. It was like the Fukin TWILIGHT ZONE formed an episode in my life - taking something like 3 days of driving around with that horse shit on my mind..

STILL THE REASON FOR MY REPLY, is that it makes me wonder if they were fuking with YOU. I really don't see how WU could ESTABLISH/DETERMINE the criteria to effectively "Flag Shady deals"?!?!?!?!?! Can you imagine all the poor leads, mishandling, employee INTERNAL PSYCHE DEMINSIONAL CONTRIVED CRAP that would get flagged and just based on one of these employees PERSONAL JUDGEMENT!?!?!?! WU would be sifting through it for DECADES.. Perhaps more like a "Trigger Point" with limited application HOWEVER Utilized in their database with OTHER FACTORS considered (like usage occurrences per customer or something)..

The FACT REMAINS - WU is in BUSINESS to MAKE YOUR $$, and for pretty much doing NOTHING.... And they make a LOT for what they do. That's like having your children set up a lemonade stand on the side of the road with the biggest ACTIVE BOOGER PICKER of the group holding the sign..!?!?!? Really, I am pretty sure they just want your $$$ and will take it anyway they can get it as long as you are not dumb enough to say for Business purpose...

If something like that is going on, I would think not related to deals like guys around here, but perhaps terrorism or money laundering, just higher significance than a fella wantin a sak-O-Dbol I would think. IT MAY ALSO Be that they have been legally threatened as POTENTIAL "Conspirators" if they get caught just turning a GROSS BLIND EYE to OBVIOUS BLATANT CRIME, and are concerned of potential charges as "contributing" - Never know... Shit for all I know they are OWNED by the Govt.- Still BANKS being the same which may be majority holders. Its all so convoluted through corp after corp when you research ownership interests in these type operations... I would even speculate owned by one of those "elite groups" like Bilderb$rg Group, Roth#child$, or Rockler as ultimately. After all, they make money faster and with less overhead than retail banks...! LOL

Lets see...:
http://en.wikipedia.org/wiki/Western_Union

EXCERPTS:

"Effective 2006-01-27, Western Union will discontinue all Telegram and Commercial Messaging services. We regret any inconvenience this may cause you, and we thank you for your loyal patronage. If you have any questions or concerns, please contact a customer service representative."[11]

** As above, CLEARLY actually doing work or providing a service other than counting money was just not cutting it anymore... LOL

When the Dow Jones Transportation Average stock market index for the New York Stock Exchange (NYSE) was created in 1884, Western Union was one of the original eleven all-American companies tracked.

** A Power house from the BEGINNING...

In 1987, Investor Bennett S. LeBow acquired control of Western Union through an outside of chapter 11 process that was a complex leveraged recapitalization. The transaction was backed by a total of $900 million in high yield bonds and preferred stock underwritten by Michael Milken's group at Drexel Burnham Lambert as part of an exchange offer. :eek::eek::rolleyes::eek: LeBow installed Robert J. Amman as President and CEO who led a complete strategic, operational and balance sheet restructuring of the company over the subsequent 6 years.

*** HMMMMMMMMM

Acquisitions
In May 2009, Western Union announced their intention to acquire Custom House from Peter Gustavson. The deal closed in September 2009, with Western Union purchasing Custom House for $370 million USD. Its acquisition led the company to be re-branded as Western Union Business Solutions.
In January 2011, Western Union acquired the 100% of Angelo Costa, CEO Francesco Costa, a group active in money transfer and services to immigrants. Angelo Costa has a network of 7,500 points of sale in various European countries. The agreement was signed for $ 200 mln.[12]
In July 2011, Western Union acquired Travelex's Global Business Payments division for £606 Million.[13]
In October 2011, Western Union completed the acquisition of Finint S.r.l., one of Western Union's leading money transfer network Agents in Europe, counting more than 10,000 subagent locations across Italy, Spain, and the United Kingdom.[14]


** You can also denote the INFORMATION appears to center around HOW MANY DAMN COMPANIES WU Buys and OWNs, but not who OWNs them. Even reviewing whos got the stock, you'd never trace who had all the interest in all the ownership facets till the end of a LONG DAY...

:)


I wired money through WU recently. The teller at the pharmacy had not performed a WU transaction before, so the manager had to walk her through it. They worked at the computer for the transfer and just before the end he said to her "and you click right here if it is a shady transaction". I don't think they did this for me and in my case, it wouldn't lead anywhere, but that was kind of scary. If you ask me, that feature is a form of predjudice because the only thing that could have made the transaction "shady" was my appearance. The information exchange took place on the phone. All she had to do was enter the transaction number and collect the cash. Anyone have any experience with a flagged WU transaction? I hear WU is one of the worst ways to wire money, but I didn't have MG as an option this time.
 
Anytime you conduct a monetary transaction at a financial institution whether WU or a bank or Life & Annuity company they always have the ability to report these transactions. Some institutions have internal policies. Example: If you make a transaction over a certain amount of money they will file a SAR (suspicious activity report). Not sure if WU files SARs like banks do. Never transfer funds for an order through a bank, the SAR goes directly to FinCen (Financial Crimes Enforcement Network). Again I'm not sure where or how WU files these but all monetary transactions, especially over seas can be flagged if the wish. Granted FinCen receives tens of thousands of these a year and only the major ones flagged. They DO NOT have to tell you if they flag it. In fact it is likely there policy not to tell you. Certain names and countrys in databases are automatically flagged. These laws and regulations called AML (Anti-Money Laundering) laws have been in placed before the Patrioy Act. However after the Patriot Act all money fininancial institutions were required to step up there BSA (Bank Secrecy Act) policies - this includes WU. As AML falls under the scope of BSA since the patriot act there definitely more reporting policies and guidelines these types of businesses follow. I do not know there independent policies regarding this as they do not share them publicly and policy usually dictates employees can not disclose them. As a general guideline try to send domestically, never over $500 per transfer and never over $2,000 combined in a day. In fact I would never make more than one transfer a day, great way to be flagged. Spread out your transactions as the system keeps a record of how much and who you sent to each time. If You send international their is a list on the website of countries that are monitored you can check. Just so you know ALL transactions over $10,000 are automatically reported by CTR (currency transaction report), this is not up to the policy of the institution, this is federal law. Visit FinCen's website for more info, though it is geared more towards banks a lot of this is utilized by WU and MG. They are filed at the treasury and YES they do sometimes follow up and interview people. Typically they question the employee filing the report, and monitor the sender and/or receiver depending on if the find merit in pursuing it further.
 
FIRST - I am trying to figure out if you actually fit into a suit during that day job??!!!!!:eek::eek::eek:;). LOL. If you are financial planning for folks, or handling their assets in any way, I am wondering if you toss in a little "supplemental management" as a perk for doing business?? LOL

I responded to say GREAT Input..! Once I was transferring funds from one bank account to another. I don't recall the reason, but I needed to get 10K in the account I was opening. A Dipshit at the particular bank I was moving too told me to go accross the street to the other bank and withdraw the fundz. They did not specify - but this was the first time I heard anything of the "10K rule/reporting function". Notably, the other rep in the new bank pointed the error of going across the street and pulling cash to bring over - shaking their head. But for some reason, the more helpful rep advised me that I should have had them write me a money order, or some other form "money" to do the deal as not flagging this. I don't recall if the issue is that it would not have dinged it AT ALL, or just not twice?? I'm not even sure if either of these two jackasses knew what they were talking about?? It seems like 10K at once is 10K at once? (I'm re-reading your post again now...) But - Can you think of the specific reason CASH would be different than a money order or cashier's check?(in that scenario)???

Anytime you conduct a monetary transaction at a financial institution whether WU or a bank or Life & Annuity company they always have the ability to report these transactions. Some institutions have internal policies. Example: If you make a transaction over a certain amount of money they will file a SAR (suspicious activity report). Not sure if WU files SARs like banks do. Never transfer funds for an order through a bank, the SAR goes directly to FinCen (Financial Crimes Enforcement Network). Again I'm not sure where or how WU files these but all monetary transactions, especially over seas can be flagged if the wish. Granted FinCen receives tens of thousands of these a year and only the major ones flagged. They DO NOT have to tell you if they flag it. In fact it is likely there policy not to tell you. Certain names and countrys in databases are automatically flagged. These laws and regulations called AML (Anti-Money Laundering) laws have been in placed before the Patrioy Act. However after the Patriot Act all money fininancial institutions were required to step up there BSA (Bank Secrecy Act) policies - this includes WU. As AML falls under the scope of BSA since the patriot act there definitely more reporting policies and guidelines these types of businesses follow. I do not know there independent policies regarding this as they do not share them publicly and policy usually dictates employees can not disclose them. As a general guideline try to send domestically, never over $500 per transfer and never over $2,000 combined in a day. In fact I would never make more than one transfer a day, great way to be flagged. Spread out your transactions as the system keeps a record of how much and who you sent to each time. If You send international their is a list on the website of countries that are monitored you can check. Just so you know ALL transactions over $10,000 are automatically reported by CTR (currency transaction report), this is not up to the policy of the institution, this is federal law. Visit FinCen's website for more info, though it is geared more towards banks a lot of this is utilized by WU and MG. They are filed at the treasury and YES they do sometimes follow up and interview people. Typically they question the employee filing the report, and monitor the sender and/or receiver depending on if the find merit in pursuing it further.
 
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LOL - Yea, I was thinking of the degenerate working at the local bus stop - where a local WU is..... Truthfully, and not being disrespectful to folks at RANDOM:D;), but REALLY, the people servicing these transactions AS A SIDE-FUNCTION of their job DOES NOT QUALIFY them to ATTEMPT to QUALIFY Monetary Transactions in excess of the Monthly Salary.... So it continues to be a TRUE FACET of a Democratic Capitalist style society. It would be interesting to see how Countries OTHER than the US QUALIFY the employees allowed to handle WU Transactions? Does WU set their own internal parameters I wonder? Probably not - and only something like, "if your boy botches it you eat it..." I am betting...

I have never had one issue dealing with western union. I always go in person to different locations each time though and i never do it over the phone. I just walk in there like i do with anything in life, i walk in like i own the place and have the "don't fuck with me" look on my face. I have been asked one time if i knew who i was sending the money to before and i simply said "now why the fuck would i send money to someone i don't know". Most of the time it's younger kids behind the counter and now a days usually anyone under 25 is either fat as hell or homosexual.
 
The problem being I am not sure how many different forms the legitimate "counterpart receivers" out there will acknowledge/use..?

One positive thing I will say about WU is one time many years back (before I was scribed TRT), I got nervous and called WU and ordered the transaction callled back. The funds had not been picked up for 4 days, so they got it right back. Funny thing was that actually turned out to be a rock solid international vendor back then when they were going.. "My money WAS Safe" all along after all... LOL
Usually my response would be " dont worry about my business, bud." I think i'll be switching to the above. thank you sir! lol.
 
FIRST - I am trying to figure out if you actually fit into a suit during that day job??!!!!!:eek::eek::eek:;). LOL. If you are financial planning for folks, or handling their assets in any way, I am wondering if you toss in a little "supplemental management" as a perk for doing business?? LOL

I responded to say GREAT Input..! Once I was transferring funds from one bank account to another. I don't recall the reason, but I needed to get 10K in the account I was opening. A Dipshit at the particular bank I was moving too told me to go accross the street to the other bank and withdraw the fundz. They did not specify - but this was the first time I heard anything of the "10K rule/reporting function". Notably, the other rep in the new bank pointed the error of going across the street and pulling cash to bring over - shaking their head. But for some reason, the more helpful rep advised me that I should have had them write me a money order, or some other form "money" to do the deal as not flagging this. I don't recall if the issue is that it would not have dinged it AT ALL, or just not twice?? I'm not even sure if either of these two jackasses knew what they were talking about?? It seems like 10K at once is 10K at once? (I'm re-reading your post again now...) But - Can you think of the specific reason CASH would be different than a money order or cashier's check?(in that scenario)???

My suits are custom made bro.

Yes, the CTR only applies to transactions of cash over $10,000. $10,000 cash itself would not trigger it, $10,000.01 would. It falls under the AML guidelines, typical day to day business does not require $10,000+ cash for normal people. All CTRs filed go to the IRS as well as the treasury. If a person is filing the CTR you will know because they have to get personal information from you they likely do not know such as your occupation. If they were filed for $10,000 even that is incorrect, it must be over $10,000. If the funds are pulled from one bank and deposited in another both will be required by regulation to file a CTR. This is very fishy to the IRS to see funds being transferred from one account to another in the same name, this would be flagged for possible money laundering/drug activity. Just because they are filed does not mean you have a "strike" against you or that you are being watched now. But if other suspicious activity has been noted under your name it could potentially raise a red flag.
 
I have never had one issue dealing with western union. I always go in person to different locations each time though and i never do it over the phone. I just walk in there like i do with anything in life, i walk in like i own the place and have the "don't fuck with me" look on my face. I have been asked one time if i knew who i was sending the money to before and i simply said "now why the fuck would i send money to someone i don't know". Most of the time it's younger kids behind the counter and now a days usually anyone under 25 is either fat as hell or homosexual.

Sorry but this is absolutely fucking hilarious. That's awesome.
 
I always do it in person, I have heard if you send online in certain situations you may get a phone call from a representative asking more questions basically do you know the person.. regardless if it be online, phone, or in person I make sure I can "decently" pronounce the name and say it's for my sister in law, brother in law etc.. not a big issue
 
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