Monday, September 24, 2012

US Bank's Pay-a-Person, Follow-Up

Here is the not at all helpful response I received from notifying US Bank of the sad tail described here.   They have completely missed the fact that their business partner's website is non-function in at least one popular web browser, that US Bank's website issued a beta software worthy server-side error, probably forwarded from ZashPay, and also that the transaction itself is in limbo, so far.
 
From: usbank@usbank.com 
To: Me 
Date: Mon, 24 Sep 2012 15:29:12 -0700 
Subject: usbank:dm: Chimp 

Dear You,

Thank you for allowing us to assist you through U.S. Bank's email services.

I am sorry to hear of the problems experienced by this issue.  Please have the recipient check their browser settings below to see if this will clear up the problem for them:

*  Clear Cookies/Temporary Internet Files by selecting the wrench icon located in the top right hand corner of the browser window.
*  Select Tools followed by Clear Browsing Data.
*  Make sure the options displayed below are checked and click Clear browsing data:
        Clear browsing history
        Clear download history
        Empty the cache
        Delete cookies and other site and plug-in data

*  Select the wrench icon located in the upper right hand corner of the browser.
*  Select Tools followed by Options.
*  On the left hand side of the window, select Under the Hood.
*  Click Content Settings.
*  Ensure that the settings allow Cookies, Images and JavaScript.

If they need immediate assistance with accessing Zashpay's services, they can also contact Zashpay's Customer Service at 877-898-5343.  They are available 24 hours a day, seven days a week.

We appreciate your business.  Thank you for choosing U.S. Bank.

Sincerely,

David Myers
Email Operations
U.S. Bank 24-Hour Banking and Financial  Sales


Update: The next morning the mystery transaction had been applied to my checking account.  This means one of two things.

1)The money was sent to an email address other that my address of record with US Bank (both are correct, but the payer used an address not known to US Bank).  But I got the money by entering the address the sender had used in to US Bank's site.  So, in order to capture a payment, you just need the transaction number. The email address does not have to match.  That's not much security given that the email address and transaction number are sent in a plain text email.  

2) Either that or someone manually fixed this specific transaction.  

Either way, I don't think this service is fully cooked, and the sloppy website at ZashPay does not fill one with confidence.