ING Direct

Sid · Post by **Sid** » Wed Nov 30, 2005 2:49 pm

Anyone done business with them? Are they any good?

Spammy · Post by **Spammy** » Wed Nov 30, 2005 2:53 pm

Here are a few reviews Sid.Click here

Good to see you on the boards bro.

Prey521 · Post by **Prey521** » Wed Nov 30, 2005 3:11 pm

I've had them for about a year and am more than happy with them. Very easy to transfer funds back and forth and their APR just keeps rising!

Sid · Post by **Sid** » Wed Nov 30, 2005 4:24 pm

Spammy wrote:Here are a few reviews Sid.Click here

Good to see you on the boards bro.

I never really left, I just don't show up as often. Hangin out at guitarnoise, Seymourduncan and JCFonline most of the time or I have one of my many guitars in my hand.

Sid · Post by **Sid** » Wed Nov 30, 2005 4:31 pm

Prey521 wrote:I've had them for about a year and am more than happy with them. Very easy to transfer funds back and forth and their APR just keeps rising!

Cool, I'm gonna open an account. I'm tired of Wells not giving me anything for my money(what little I have left).

Kyle · Post by **Kyle** » Wed Nov 30, 2005 6:20 pm

I have 2 savings accounts and a CD account with them. Excellent company, my Mom and brother have also began using them and no problems from any of us.

The only catch is, your deposits are locked for about a week before you are allowed to withdrawl that money again. No biggy in my opinion.

If you are planning to open a savings account, I'd be happy to reffer you, just PM me your email address.

If your friend opens an account with at least $250, we will also deposit a $25 bonus in their new account and a $10 thank you bonus in your Orange Savings Account.

aagiants · Post by **aagiants** » Thu Dec 01, 2005 12:50 am

WAIT get a referral from someone and get 25$ and i will get 10$

HAH

aagiants · Post by **aagiants** » Thu Dec 01, 2005 12:50 am

emigrantdirect.com offers a better rate then ingdirect

use them if u want as well

Prey521 · Post by **Prey521** » Thu Dec 01, 2005 12:51 am

aagiants wrote:emigrantdirect.com offers a better rate then ingdirect use them if u want as well

They do, but since ING Direct has been around longer, I trust them more, and a .5% difference is nothing at all UNLESS you're going to store MAJOR bank in there.

YARDofSTUF · Post by **YARDofSTUF** » Thu Dec 01, 2005 1:01 am

Prey521 wrote:They do, but since ING Direct has been around longer, I trust them more, and a .5% difference is nothing at all UNLESS you're going to store MAJOR bank in there.

If Sid owned a major bank, he wouldnt be going through ING

Sid · Post by **Sid** » Thu Dec 01, 2005 11:07 am

I'll grab a referral beginning of next month from one of you. The holidays are going to suck my finances dry this year.

aagiants · Post by **aagiants** » Thu Dec 01, 2005 1:27 pm

Prey521 wrote:They do, but since ING Direct has been around longer, I trust them more, and a .5% difference is nothing at all UNLESS you're going to store MAJOR bank in there.

What do you mean trust? Both are onlne banks and both insured by the fdic. And i believe emigrant has been around 50+ years. Emigrant just isn't well know

Sid · Post by **Sid** » Tue Feb 07, 2006 2:35 pm

Someone want to give me a referral????

Kyle · Post by **Kyle** » Sun Mar 05, 2006 5:25 pm

I just ran into a problem with ING today that warrants sharing. My mother had a decent amount of money sitting in ING (house downpayment since her divorce) and logged in today to find two "External Electronic Withdrawal"s for $400 each. Upon contacting ING they informed her that it was withdrawn by some Delaware investment company and they could not refund it, but were kind enough to give her contact information for the company so that she could try to get it back herself.

Their explanation was that they have to accept any incoming transfer requests with valid account numbers. They do not verify external transfers with the account owner, they just send the money...

Needless to say, ING lost a decent sized account today.

Bound · Post by **Bound** » Sun Mar 05, 2006 7:11 pm

I have a Ing Orange account. So I gave them a call regarding this. What they told me was that they would have to have your account number and password and pretend to be you. I would love to know what you find out. This scares me a little.

knightmare · Post by **knightmare** » Sun Mar 05, 2006 7:47 pm

bruteforce password cracker....

Kyle · Post by **Kyle** » Sun Mar 05, 2006 9:13 pm

Bound wrote:I have a Ing Orange account. So I gave them a call regarding this. What they told me was that they would have to have your account number and password and pretend to be you. I would love to know what you find out. This scares me a little.

This was not a standard transfer like you do from their website. This was a transfer request from a "financial institution" (supposedly). For instance some people give out the account number to their mortgage companies so that they can pay directly from the ING account. Except we never gave this number out to anyone. My thought is, if it is not theft, it is a company that got an account number wrong by mistake. The problem is it's not US based like we originally thought, I think it's some dummy company that shows up as "International Stock Investments". Can anyone find information on this "company"?

Kyle · Post by **Kyle** » Sun Mar 05, 2006 9:13 pm

knightmare wrote:bruteforce password cracker....

It has nothing to do with the security of their website, it was an EXTERNAL transfer.

(And bruteforce crackers don't get you anywhere on an HTTP connection that denies access after X failed attempts, which i'm sure theirs does.)

Bound · Post by **Bound** » Sun Mar 05, 2006 9:17 pm

Kyle wrote:This was not a standard transfer like you do from their website. This was a transfer request from a "financial institution" (supposedly). For instance some people give out the account number to their mortgage companies so that they can pay directly from the ING account. Except we never gave this number out to anyone. My thought is, if it is not theft, it is a company that got an account number wrong by mistake. The problem is it's not US based like we originally thought, I think it's some dummy company that shows up as "International Stock Investments". Can anyone find information on this "company"?

Ah Thanks. I hope you get the money back.

Ghosthunter · Post by **Ghosthunter** » Sun Mar 05, 2006 9:18 pm

aagiants wrote:emigrantdirect.com offers a better rate then ingdirect use them if u want as well

i use to work for emigrant....will never work for a bank or in the financial industry ever again..but should be safe with them

Kyle · Post by **Kyle** » Sun Mar 05, 2006 9:23 pm

Augustus wrote:i use to work for emigrant....will never work for a bank or in the financial industry ever again..but should be safe with them

Any knowledge on whether or not they do the same thing with external transfers? (Not transfers to/from your linked account.)

Ghosthunter · Post by **Ghosthunter** » Sun Mar 05, 2006 9:35 pm

[quote="aagiants"]What do you mean trust? Both are onlne banks and both insured by the fdic. And i believe emigrant has been around 50+ years. Emigrant just isn't well know ]

Yeah emigrant been around since 1800's..forgot exact date...they are mostly based in NY

Ghosthunter · Post by **Ghosthunter** » Sun Mar 05, 2006 9:40 pm

Kyle wrote:Any knowledge on whether or not they do the same thing with external transfers? (Not transfers to/from your linked account.)

it been 6 years since I worked for them...but they are on the up and up and stick to whatever the federal rules are in place..

i read what happened...and pretty sure if an EFT is that what you were referring to?

Kyle · Post by **Kyle** » Sun Mar 05, 2006 9:43 pm

Augustus wrote:it been 6 years since I worked for them...but they are on the up and up and stick to whatever the federal rules are in place..

i read what happened...and pretty sure if an EFT is that what you were referring to?

External Funds Transfer? That must be it. It happend on Feb 2nd and March 2nd so it's obviously an automated withdrawal somewhere.

Ghosthunter · Post by **Ghosthunter** » Sun Mar 05, 2006 9:49 pm

Kyle wrote:External Funds Transfer? That must be it. It happend on Feb 2nd and March 2nd so it's obviously an automated withdrawal somewhere.

well you only get 60 days if you see a mistake

http://www.ftc.gov/bcp/conline/pubs/credit/elbank.htm

You have 60 days from the date a periodic statement containing a problem or error was sent to you to notify your financial institution. The best way to protect yourself if an error occurs - including erroneous charges or withdrawals from an account, or for a lost or stolen ATM or debit card - is to notify the financial institution by certified letter, return receipt requested, so you can prove that the institution received your letter. Keep a copy of the letter for your records.

If you fail to notify the institution of the error within 60 days, you may have little recourse. Under federal law, the institution has no obligation to conduct an investigation if you've missed the 60-day deadline.

Once you've notified the financial institution about an error on your statement, it has 10 business days to investigate. The institution must tell you the results of its investigation within three business days after completing it and must correct an error within one business day after determining that the error has occurred. If the institution needs more time, it may take up to 45 days, in most situations, to complete the investigation - but only if the money in dispute is returned to your account and you're notified promptly of the credit. At the end of the investigation, if no error has been found, the institution may take the money back if it sends you a written explanation.

No matter what ING says..write them a letter...they should open investigation

knightmare · Post by **knightmare** » Mon Mar 06, 2006 3:19 am

Kyle wrote:It has nothing to do with the security of their website, it was an EXTERNAL transfer.

(And bruteforce crackers don't get you anywhere on an HTTP connection that denies access after X failed attempts, which i'm sure theirs does.)

let us know how they did it?

2-3 yrs. ago you could crack yahoo and hotmail. It only locked you from repeating attempts on yahoo after 100 attempts.. so in theory if you had the time.. I think it is down to 10 login attempts now.

Sid · Post by **Sid** » Mon Mar 06, 2006 10:05 am

The information question changes after every single atempt.

Prey521 · Post by **Prey521** » Mon Mar 06, 2006 10:18 am

Sid wrote:The information question changes after every single atempt.

Yeah, that throws off my AI Roboform, very annoying, but I can see why they do it. Also, the letters on the dialpad change also.

Kyle · Post by **Kyle** » Mon Mar 06, 2006 12:13 pm

Augustus wrote:well you only get 60 days if you see a mistake

http://www.ftc.gov/bcp/conline/pubs/credit/elbank.htm

No matter what ING says..write them a letter...they should open investigation

Thank you for the info, I'm going to look into this.

Ghosthunter · Post by **Ghosthunter** » Mon Mar 06, 2006 12:16 pm

Kyle wrote:Thank you for the info, I'm going to look into this.

Cool good luck!

there is also an 800 # on bottom of that might help out with more advice.