[Triumph Capital]

have a merchant requesting no bank login or coj on a second position and he has good credit.

[Funder Mark]

What about Decision Login or 3 way bank verification? Are those options? How big are you looking to go?

[Anthony@torro]

I came across a merchant who would not sign a coj or do log in but had a cash advance company pulling. They actually edited the daily cash advance pulls into the bank statements that were sent in. With Certain banks it's easy to listen to transaction history on their automated system with info that's on the app, that's how I figured out it was fraud. If they're not willing to give up log in or decision logic don't waste too much time with them, it's almost always fraud from my experience.

[WestCoastFunding]

What Anthony said.

When merchants make these demands, you have to ask yourself, "Why?" You're never going to get a good answer as to why they are making these demands. At least not a logical one. So just assume fraud.

[Nikkiclean06]

I have came across that a lot as well and most of them had Swyft payments coming out....

The deal can get done without a COJ but no bank log in on a second is not going to happen

[paulypubco]

Its a Fraud deal, I have done 2 in the past and they both defaulted. Go to Next deal

[Sachip24]

anytime they make those two demands they will almost always say "they got their identity stolen in the past and don't trust anyone now with their banking info".....its always fraud..always.

[diamondcapital]

That's a super red flag my friend!