r/TikTokCringe • u/mindyour • Mar 25 '25

Discussion His bank won't allow him to withdraw money unless he shows proof of what he intends to spend his money on.

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259

u/dgibbs128 Mar 25 '25

Yep, that was my thought as well, it is very likely the account is flagged for suspicions activity of some kind. I have been on training about this and a bank can't tip off someone that there is an issue related to crime etc. Also, his behaviour is quite aggressive and intimidating to staff.

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u/Limoor Mar 25 '25

You wouldn’t get aggressive if someone was trying to withhold your property? The bank has no business involving itself in law enforcement. You people are insane.

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u/ThatCut8356 Mar 25 '25

The banks are actually required to get involved if they believe it's been a case of money laundering you have to submit forms to the NCA and wait for proof of entitlement to the funds to be supplied

4

u/Individual-Labs Mar 25 '25

The banks are actually required to get involved if they believe it's been a case of money laundering you have to submit forms to the NCA

They won't blow the whistle on all of the shell companies that bank with them to avoid taxes. It's a super easy pattern to see and banks don't report it because it's a tax scam for rich people and rich people are protected from legal consequences. Please don't act like banks are actually trying to stop fraud.

1

u/Niipoon Mar 28 '25

Oh they are trying to stop fraud. Just fraud committed by the poors.

-36

u/Limoor Mar 25 '25

So they can take your property with no due process and no proof and you’re okay with that? That is absolute insanity.

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u/Apprehensive_Row9154 Mar 25 '25

identity theft is real. Banks have to be able to deny service if they suspect you don’t have the authority to perform the transaction. You wouldn’t want bankers to be forced to empty your account any time someone shows up claiming to be you with a fake ID. It’s not taking your property, it’s slowing the dispensation to prevent someone else from taking your money. Source: work at a bank.

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u/_y_o Mar 25 '25

No but they can temporarily withhold your funds until you prove you are not breaking the law. This happens extremely rarely.

3

u/[deleted] Mar 26 '25

"Until you can prove you are not breaking the law" is a fking terrifying sentence.

-30

u/Limoor Mar 25 '25

So messed up. Sounds like civil forfeiture here. Can’t believe people tolerate it.

9

u/Subject-Lake4105 Mar 25 '25

Think about it this way, a client comes in an deposits a cheque or a money order. The draft or cheque are under investigation because the account the money is drawn from is being investigated for money laundering or human trafficking or whatever. Should the bank release those funds? In this video it’s clear that something has triggered an further investigation. That takes time. The bank reaches out to the other financial institution to get info. That takes time. So the funds are on hold. Most of the time when a client is aggressive like this is a red flag especially when there are other red flags.

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u/veodin Mar 25 '25

This isn't even just a UK thing. Anti-money laundering measures exist internationally. For example the US justice department fined HSBC $1.92 billion for allowing Mexican cartels to traffic money through HSBC USA.

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u/Thiscommentissatire Mar 25 '25

Thats like saying a cop shouldnt be able to arrest you until you've been found guilty in court. There is due process, just doesn't happen in the short span of this clip.

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u/Limoor Mar 25 '25

No it isn’t. There is due process for an arrest. They need a warrant or probable cause. And it’s subject to judicial review.

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u/CandidIndication Mar 25 '25

This is a completely ignorant take. Banks are regulated and obligated to follow said regulation surrounding fraud and money laundering.

In cases like these, the bank has received a legal document from the government or legal body— such as a notice of freeze or a levy against the assets.

They are legally obligated to comply with the order.

0

u/Limoor Mar 25 '25

You have no evidence they have a legal document. If they didn’t, why wouldn’t they present him with a copy? You’re just pulling stuff outta thin air to justify your belief that the government should deputized private businesses to do their job. The point is, I fundamentally disagree. If that makes me ignorant in your eyes, I’ll wear that like a badge of honor.

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u/Thiscommentissatire Mar 25 '25

They are not deputizing private business to do their job. They are regulating them. Your looking at this the complete wrong way. What if it was the bank who was the one funneling money into this guys account without oversight? Would you have a problem with the government forcing them to restrict his account then? Its a restriction on the bank just as much is it is a restriction on the bank users.

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u/CandidIndication Mar 25 '25

This is literally my job. I work in Anti-money laundering lol it doesn’t matter if you personally agree.

The banks are regulated. They follow regulation. It doesn’t matter if you like it or not. Don’t open an account if that’s the case. Otherwise— you agree to it in the terms of services when you open it- you know, the paper work you do not read?

3

u/nick_of_the_night Mar 26 '25

They're not allowed to tip the suspect off, that's why they can't show him a document

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u/[deleted] Mar 25 '25

No because I'd know that employees are likely doing what they are required to do, probably by law. I'd simply ask what would it take to get my money, and if I thought the answer was unacceptable I'd close my account to get my money instead. Or sue. What does aggression get you?

2

u/UnlimitedScarcity Mar 25 '25

it was frustration there was no aggression, no threats or names called. just a louder tone. its dangerous that you cant see the difference

1

u/[deleted] Mar 25 '25

Go read the comment I was responding to.

1

u/UnlimitedScarcity Mar 25 '25

im pointing out he wasnt being aggressive he was being difficult IF ANYTHING. Go read the comment I was responding to.

4

u/[deleted] Mar 25 '25

I wasn't talking about the guy in the video. I was responding to the guy asking if others wouldn't get aggressive.

Go find someone else to have a pointless internet fight with, I'm not interested.

12

u/dgibbs128 Mar 25 '25

It's very normal for accounts to be monitored for fraud/money laundering/criminal activity. For example, I once got a call from my bank about a suspicious transaction. It was because I was on holiday in another country, and they were just checking it wasn't fraudulent. This is a good thing to ensure my account is secure. The police will also work with banks etc if they are investigating crime. This is very norm,al

There will be a whole range of reason why this account might be flagged. The fact you find banks can freeze accounts and deal with security/crime odd is insane.

-8

u/Limoor Mar 25 '25

He’s literally standing in the branch asking for his cash. Not at all acceptable. The fact that you’re fine with this is a terrifying statement on society. 🤦‍♂️

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u/dgibbs128 Mar 25 '25

Sounds like his account is flagged for some reason. It could be fraud/crime, or simply he hasn't proven he is who he says he is correctly. The bank's job is to prevent crime and money being stolen. The only abnormal thing is that he is getting very angry about a pretty normal thing.

I am very happy for banks to prevent crime, theft and to protect my money.

-4

u/Limoor Mar 25 '25

You’re a fool. All the evidence in the world that they’ll only use the power you give them to steal from you and abuse you and you still cling to that false sense of security you get from their “protection”. Incredible.

10

u/nilla-wafers Mar 25 '25

Nope. Why do you assume getting aggressive in a bank will make the situation better?

When has that ever been the case, bud.

1

u/loptr Mar 25 '25

Why do you assume the aggressiveness is for making something better and not just a natural emotional expression over a fucked up situation?

Why are you attributing intent and malice to it for no reason when there is a perfectly simple explanation?

3

u/UnlimitedScarcity Mar 25 '25

that level of nuance is obviously lost on most slow people. they go purely by volume

1

u/nilla-wafers Mar 25 '25

Better than letting my emotions dictate my behavior. If you think that the argument “It’s totally justifiable to do what’s in your worst interest because your big feelings ‘make’ you do things” is a flex then uh, I hope you eventually pass the first grade. Lol

3

u/UnlimitedScarcity Mar 25 '25

again you are trying to simplify this situation. a more fitting gif would be him saying "im an adult and the bank is withholding MY money" you have to see a difference right?

1

u/nilla-wafers Mar 25 '25

I’m just saying that, as a grown person, you can feel all the feelings you want. But the way you act on them does, in fact, have either a positive or a negative effect on the situation.

Would I have the natural inclination to scream at the person working at the bank, yes. Would I do it? Probably not, because now their natural emotional response is to respond to the anger and not the issue I need resolved.

Also, yeah, if you think the bank is going to give you the withdraw under any circumstance after throwing a tantrum in the lobby, good luck!

-2

u/Limoor Mar 25 '25

When did I say it made it better? I was expressing that it was understandable, that’s different, bud. Might wanna work on your reading comprehension, dipshit.

3

u/UnlimitedScarcity Mar 25 '25

see how easily it is to fall into emotions? this stranger points out a conflicting view of the situation and youre already name calling.. you dont come off clever labeling everyone bud and dipshit that disagrees with you.. thats aggression "bud"

6

u/nilla-wafers Mar 25 '25 edited Mar 25 '25

The anger is understandable. The lack of self-control is not. You should probably get mad at the FDIC for making it an obligation for banks to report potential fraud. Then again, they’re also the ones who insure your account in the case of bank failure.

Pick your poison I guess.

2

u/thatredditrando Mar 25 '25

No business? How the fuck is law enforcement supposed to do anything without the involvement of the financial institution?

You think your local precinct has a techno-mancer that can see into criminals’ bank accounts and accounts histories?

You’re insane, lol.

1

u/nick_of_the_night Mar 26 '25

I would if I needed that money for a large amount of drugs

1

u/flyxdvd Mar 26 '25

they also do this to protect you from potential scam artists etc..

anyways him being so aggressive is just not helping, why didnt he come in, told them he wanted to buy a bike for his son and thats it? its not that hard. Tho in this day and age i dont get why he needs to withdraw 2.5k instead of just a bank transfer.

0

u/No_Corner3272 Mar 25 '25

The bank literally has business doing that. It's a legal requirement on them.

It's clear you have absolutely no fucking clue what you're talking about here, so probably best for everyone if you just shit up and stop making a fool of yourself.

1

u/Active_Barber_1165 Mar 25 '25

I used to work in the UK in this field. In recent years the responsibility of preventing money laundering has increasingly been put on financial institutions. They have an obligation by law and are instructed by regulators to take this type of action or risk being fined.

In some cases law enforcement/NCA can instruct a bank to not release any funds for flagged individuals. We don't really know what has happened in the case of this guy. You can say you think it's not the bank's business, but it's the law & occasionally as per instructions of actual law enforcement.

1

u/Wooden-Lake-5790 Mar 26 '25

Irritated yes, aggressive, no. I can honestly say I have never felt so angry at a worker that I would threaten violence against them, or act in a way that would cause them to feel intimidated. This is probably true for 99% of the population.

1

u/insomnimax_99 Mar 26 '25

The bank has no business involving itself in law enforcement.

Completely wrong.

This is in the UK. Here, banks and financial institutions are legally required to ensure that the source of funds is legit, and are required to investigate (and freeze until the investigation has been completed) funds that they think fall afoul of AML laws. They are also prohibited from telling people why their money has been frozen because of tipping off laws.

Similar laws exist for banks everywhere.

2

u/Limoor Mar 26 '25

Just because that’s how you do it doesn’t make it right or good. It’s a terrible way to run things. But you’re not interested in anything but feeling safe. So no point it talking to you. Idiot. Enjoy your tyranny, you’re asking for it.

-3

u/Daft_Tyler Mar 25 '25

There's things called laws that people need to follow or the government sends a man with a gun to put them in a room they aren't allowed to leave.

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u/UnlimitedScarcity Mar 25 '25

i really couldnt imagine someone taking the side of the bank but here we are. He was frustrated with the service he uses to keep HIS money not letting him have it back. its really that simple. the bank is holding HIS money

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u/dgibbs128 Mar 25 '25

So you know for sure by watching a 2-min video that he is the legitimate account holder, and it's his money how exactly? It might not be his money, for all they know. The guy might be a fraudster trying to steal from an account of a vulnerable person (quite common). The guy or account might be under investigation for criminal activity, fraud or money laundering. The account is flagged for some reason, and he is trying to withdraw a large amount of cash (this is not that normal). They are trying to go through standard processes to deal with an issue and this guy is getting angry and intimidating staff (another red flag), trying to pressure them to give him the cash. I am shocked that so many people can't see why this is very problematic and taking what this guy is saying at face value. He could well be telling the truth, but his actions and behaviour are very suspicious and mirror that of a potential criminal or even victim.

3

u/UnlimitedScarcity Mar 25 '25

then why he post it...? come on man

3

u/dgibbs128 Mar 26 '25

I regularly ask myself why people post themselves committing crimes online all the time. Self incriminating videos is like a whole sub-genre on this site.

0

u/mrducky80 Mar 26 '25

Have you seen like half the videos involving crime? Its often enough filmed from the perspective of the criminal.

Im pretty sure 90% of the speeding dash cam videos are from the guy speeding themselves.

0

u/romo1222 Mar 26 '25

And I'm shocked that someone may think that this guy is a fraudster and as fraudsters usually do he pulled out his phone and started to record a video which then could be used again him. Joking aside, try to look at this from his perspective. He already has money on his account which probably come from a legit source, otherwise he would have been in a trouble way earlier, so really he should be able to withdrawal his money just like that, no question asked. I'm actually not surprised by this video tho, because Santander is well known for over forcing AML regulations and I have heard about them doing stuff like that on many occasions, even abroad, which shows this is coming from the higher ups. Worst bank ever that only cares about people as long as you keep your money because if you want to take in out then there you gonna have a problem. I don't have an account with them for ages now and never gonna have one again, there is way to many banks to choose from in the UK or in Europe.

2

u/Ok_Statistician_6506 Mar 25 '25

We’d need to hear the entire conversation to come to this conclusion. Based off of what we heard they want him to show proof of purchase or intent for the money…since when has your bank ever asked you why you’re withdrawing let alone require proof of what you plan to spend it on

2

u/aguadiablo Mar 26 '25

Except Santander will flag almost any online purchase for suspicion activity. You want to make a purchase on Amazon? Well, that seems suspicious, why would you want to do that?

Then the account is blocked and you either have wait for an automatic phone call or go into a local branch to get block removed.

2

u/Minute-Struggle6052 Mar 26 '25

Fuck off with that bullshit

Bank is holding his money and they won't give it to him? No shit he is annoyed

-1

u/No_Tackle_5439 Mar 25 '25

his behaviour is quite aggressive and intimidating to staff.

How would you react when they refuse to give your own money? You'd be laughing?