Dog's breakfast: Chase blocks online payment over pet's 'terrorist' name

Chase Bank has been barking up the wrong tree, halting a disabled dog owner's online payment because of a mix up over the mutt's name and terrorist outfit Isis.

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Dog's breakfast: Chase blocks online payment over pet's 'terrorist' name

Editorial

This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community.

When Bruce Francis, who has a rare form of MS, tried to pay his dog-walker for exercising his nine-year-old pitbull mongrel service dog, Chase put a block on the transaction. Francis had entered the dog's name - Dash - on the memo line, prompting the $374 payment to be flagged over its similarity to Daesh, the Arabic acronym for the Islamic state.

When the dog-walker told Francis that she hadn't been paid, he checked his account online and saw that the transfer had been flagged for review by the US Treasury Department. The government had attached a note asking for an explanation of the 'Dash' memo. Francis called them and explained and the payment was processed.

Chase told KTVU: "If a name on the OFAC list appears on a payment, we are required to review it. This is an important part of ensuring that crime does not filter through the U.S. banking system. In this instance, the payment was flagged, reviewed and eventually released."

Meanwhile Francis is sanguine about the mixup, telling the New York Daily News that he supports moves to tackle terrorist funding, adding: "The idea that my dog is a terrorist is pretty funny. Seriously, the only thing Dash could terrorize is a roast chicken."

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Comments: (5)

A Finextra member 

It it wasn't for the link to KTVU, I'd guess that this was an April Fool's story.

Hitesh Thakkar

Hitesh Thakkar Technology Evangelist (Financial Technology) at SME - Fintech startups (APAC and Africa)

Great it proves OFAC checks before txn authorisation works ( considering Dash as test data sent for generating alert :))

Ketharaman Swaminathan

Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions

Hey @Finextra: The headline says "online payment" but the body says "memo line", which is a term I've generally heard associated with cheque / check. Besides (1) the image shows a cheque / check and (2) we keep hearing that babysitter / doghandler type of P2P payments are still made predominantly via cash or checks. In the interest of understanding the scope of OFAC, can you please clarify what payment instrument was used in this case?

Matt White

Matt White North America editor at Finextra

Ketharaman, it was an online payment - they often have memo lines. (Fair point on the image.)

A Finextra member 

Interesting if this is for real, how quickly people acted to alert the authorities for $375, let's see how quickly the authorities will move with the Panama Papers?

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