#Chase Bank work

[decolonize-the-everything]

DIVEST FROM BANKS FOR PALESTINE

.....Correct me if I'm wrong but allies to Israel would have no money to move around and spend if we and banks have no money to move around for them right?

Even the US treasury needs a way to offer collateral for the billions they give to countries like Israel. Do you know what that collateral has been thus far? Your paycheck. The future paychecks of babies that can't even talk yet. That's how they'll pay all this off.

The government has been giving us the biggest fuck you that they could. Let's return the favor.

"yeah but the banks-"

Have been bailed out every time they've asked for it since I've been alive. They love debt when they aren't the ones paying it. They'll know how heavy the weight of their arms dealing is. There's a reason they have been phasing out paper checks and money- they can't move money they don't have and digital bank accounts can't see the paper money in your drawer ¯\_(ツ)_/¯

So yes absolutely keep boycotting.

And we should pull all our money out of Major Banks.

It's incredibly accessible for most people who already have a bank account, even if you can't protest or strike. And you don't have to miss any work.

So let's hit em where it hurts.

Banks (from this list of Banks that heavily fw Israel)

Citibank

Bank Julius Baer & Co

Bank Lombard Odier & Co

Banque Pictet & Cia SA

BNP Paribas Israel

CBH Compagnie Bancaire Helvetique S.A.

Dreyfus Sons & Co.

Hyposwiss Private Bank Geneve SA

JP Morgan Chase Bank N.A.

Silicon Valley Bank

Union Bancaire Privee

HSBC

Barclays

BNP Paribas Israel

State Bank of India

Other banks that have supported the genocide

Goldman Sachs

Bank of America

Wells Fargo

Blackrock

AXA

Capital One

RBS

Marks & Spencer

Tesco

Scotia Bank

Bank of Montreal

No, you don't have to cancel your direct deposits (most places in the USA won't even pay you without an account anyway). But you should drain your account ASAP. Don't let the money sit in your bank. Pull it out and use cash for everything you can. Don't put money in the bank unless you need to.

The point is just to keep as much money as you can out of banks for as long as you can.

Yeah it's gonna be harder to order online which may be inconvenient until we readjust but thats good.

It'll be a natural way for the boycotts to evolve.

A lot of fighting in the Red Sea is being done because of how much money the USA, UK, etc have to lose if they can't get their products on time. The Houthis turning ships away cost these countries millions every time. If there are less ships to turn away cuz people aren't ordering stuff from overseas then Good.

Yeah we could have an organized day to do this but...why??? It's accessible, it's free, and the people across the globe experiencing a genocide right now, from north America to Africa to Palestine don't have the luxury of waiting a few months for us to spread the word and organize.

If you see this share it. Copy/paste, repost, retweet, idc. Spread like wildfire pls

[storytellerslense]

JJ Maybank character analysis

Luke Maybank and the unhealthy dynamics of parentification

What is parentification?

Parentification is a role reversal where parents are emotionally unavailable to provide support to the child typically due to their own problems often caused by alcohol or drug addiction or a mental illness. The child is forced to take care of themselves and take responsibility of the parent. Parents who are emotionally unavailable might also put down their children, contributing to a lack of self-esteem and increased stress for the child. This unavailability leaves the child without the necessary emotional guidance and stability.

The relationship between JJ and Luke Maybank

Luke is a single father. He is drinking and addicted to the prescribtion drug "Ambien", also known as a Z-drug. He is neglectful and abusive, failing to offer the emotional backing that JJ needs.

Luke Maybank is addicted to sedatives

Until about the third episode of the first season, we don't learn much about JJ Maybank's abusive family background. The first time we get a glimpse of his father is when Luke Maybank is exiting Barry's house, where he possibly went to get drugs or being involved in other shady activities. We also learn, that Luke Maybank lost his job at the salvage yard because he turned up drunk for work.

In Season 1, Episode 3, JJ Maybank and his friends visit the salvage yard to steal an underwater drone. During this scene, JJ concocts a lie about his father to distract the security guard, crying that his father "was gonna hit him again" if he wouldn't finish a certain task for him. The viewer is left wondering if there is some truth in his lie.

In Episode 5, father and son are on screen together for the first time in a dramatic scene, which intensity shocked many viewers. Beforehand, JJ Maybank was portrayed as funny, reckless and rebellious. There were no actual signs that he could have really been the victim of such vicious domestic violence as portrayed in this Episode.

In the scene Luke Maybank picks up his son JJ from the police station. As soon as they got into the car, Luke's entire rage is suddenly unleashed on JJ as he brutally beats him up. The mistreatment continues at home, where Luke verbally abuses his son mercilessly, possibly being under the influence of prescribtion drugs and alcohol. Meanwhile JJ locks himself in his bedroom. He is badly bruised and anxious, visibly traumatized and shaken by his father's actions.

"How you gonna get that money back, huh? By sittin' around doin' nothin'? I'm gonna tell you right now, you are a worthless piece of shit! Your Momma knew." (Luke Maybank, Season 1, Episode 5).

But physical abuse only being one possible hallmark of parentification. Parentification mainly involves overstimulation in parent-child interaction, where the focus is strongly on the parent's emotional needs. A strong indicator for JJ being parentified is, that he only feels valuable when fulfilling his father's needs. He really tries to please his father, desperately longing to "earn" just a small moment of parental kindness.

When he steals money from Barry's drug shack to pay for his restitution, he is even willing to jeopardize his friendship with the Pogues, just to fix things with his father.

At first, Luke gratefully accepts the money. JJ is shown beaming with relief and happiness over his father's praise and appreciation. But soon after Luke makes it clear that he doesn't want to use it for the restitution to help his son. He argues that the money was his to spend because JJ had already "cost him so much".

Luke instills guilt in JJ by blaming him for his misery (Season 1, Episode 7)

With that being said, Luke twists the fact that it is actually his paternal duty to provide for JJ's basic needs. Instead, he manipulates JJ by making him feel responsible for financial burdens, further solidifying JJ's role as a caregiver.

When JJ objects and takes his money back, his father beats him again. This time, JJ fights back, ultimately overpowering his father, pinning him to the ground. JJ is about to possibly hit and kill him with an object, but at the sight of his father being defeated he breaks down in tears, heartbroken and frustrated about his father's repeated rejection towards him and possibly feeling guilty and ashamed about having to defend himself like that against his own father. As JJ realizes how weak his father is, he might have also felt uncomfortable and confused with the sudden power he has over him. Notably, that particular scene also visualizes the unhealthy role reversal between father and son.

"You gave me nothing. You gave me nothing but a shitty life. All you ever did was try to scare me. But guess what? I am not scared of you anymore!" (JJ Maybank, Season 1, Episode 7)

The internal struggle between longing for parental affection and dealing with the reality of his father's behavior becomes clearer in Episode 10 when JJ tries to steal the key to Luke's boat, the "Phantom".

As JJ is about to take the key off his sleeping father, Luke surprisingly wakes up in a changed demeanor. He apologizes to his son, not without shifting part of the blame onto JJ, saying: "You remind me of your mother".

"I know I'm hard on you sometimes. But sometimes I see your mother in you. And it get's me a little tweaked, you know?" (Luke Maybank, Season 1, Episode 10)

Although Luke comes across sincere and apologetic in this moment, he actually refuses to take any responsibility for mistreating his son. Worse than that, he shifts the blame onto JJ's mere existence and heritage. This justification for his anger issues is another form of abuse and emotional manipulation.

Additionally to that, Luke Maybank repeatedly brings up JJ's missing mother and his frustration about her, with complete disregard for his son's feelings for her. He never considers whether JJ loved his mother, if he misses her, or if JJ himself is hurt or confused by her disappearance. He focuses only on his own pain and frustration, completely ignoring his sons feelings who must navigate complex emotions and family dynamics all by himself.

JJ finally accepts his father's attempt to hug him because he deeply craves for his approval and love. In doing so you can see him desperately trying to push down his emotions and unsuccessfully holding back his tears. The intimate moment is interrupted when Luke, under the influence of his drugs, collapses back on the couch sleeping, allowing JJ to think clearly again and finalise his mission of taking the key of his father.

Another instance where the role reversal becomes very clear is when Luke JJ helps his dad to escape to Yucatan in Season 2, Episode 8. After they share an emotional farewell on the boat, JJ gives his father some money for the journey and secretly disposes the pills fueling Luke's addiction. These actions are another example of JJ routinely stepping into a caretaker role, which traditionally belongs to the parent.

Luke Maybank pressures his son into helping him for the last time (Season 2, Episode 8)

JJ stays behind, relieved that his father cannot harm and manipulate him anymore. But his hopes are fading that he will ever change. JJ is left with the growing certainty that he will, despite his relentless efforts, never be able to have the unconditional love and acceptance he craves for. It is questionable if JJ will ever give up seeking his father's love and acceptance, but due to his personal growth in the last three season it becomes clear that he will no longer fight for it to the point of self-sacrifice.

Luke Maybank leaves his son (supposedly) for good in Season 2, Episode 8

[letsgofullpogue]

via ig - charles_esten

[du-hjarta-skulblaka]

BIG shout out to Jen at social security for being the absolute chillest phone operator I've ever spoken to, complaining with me how she hates government beurocracy while changing my name details and how she's putting PREFFERED NAME in block capitals bc she things it's ridiculous how much hassle trans folks have with identification

[aiiaiiiyo]

[toontownportraits]

"brett looks like spamton" THIS "brett looks like spamton" THAT. you're all forgetting your roots of character meets character

[spookyspiderboiii]

me when a character is unhinged & psychologically disturbed:

[piplupod]

i keep thinking idk what the point is anymore but the point is that i want to make art. not even share it necessarily, i just rly want to make things bc i love doing it and its kind of one of the only things im good at. but the world is so impossibly fucked and i am so terrified and trapped and i feel guilty all the time because my brain thinks i am at fault for everything wrong in the world no matter how much i do to combat it and no matter how much risk i put myself in during the combatting.

and I'm not even having a breakdown because I'm hungry so I can't fix these feelings, this is just... what I am experiencing I guess. fuck!

[hella1975]

the boys' first commentary on keating's lessons being cameron and neil saying 'that was weird' / 'but different' is getting to me like the entire film is a narrative on the suffocation of heavy academia and how it prioritises certain subjects (medicine, law, business, engineering) while condemning creativity and passion and how institutions are promoting conformity and grades-over-wellbeing teaching methods more and more as you both move up the elitism scale and as time goes on, and how that was okay for these kids and like so many generations before them they were going to let it happen to them, but one teacher was different. one single teacher told them to seize the day and make their lives extraordinary and he made them look directly at the state of things, and for a little while it was beautiful but they're just kids; how could they ever change things? and sure enough it catches up to them and the institution wins because it always does and suddenly the suffocating thought of what neil is so sure his life is going to be is so daunting and terrifying that he cant even face it

[tiffanybluesclues]

"Batman needs a Robin."

Does he though?

Batman needs therapy & bat-themed gadgets.

DC Comics needs a Robin. At least they eventually recognized that. Love that for them. ❣️

[ruairy]

.

[arkadarp]

yo Scrooge really be working that sigma grindset back in Victorian times huh

[letsgofullpogue]

via ig - hichasestokes

[mostlysignssomeportents]

How I got scammed

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/02/05/cyber-dunning-kruger/#swiss-cheese-security

I wuz robbed.

More specifically, I was tricked by a phone-phisher pretending to be from my bank, and he convinced me to hand over my credit-card number, then did $8,000+ worth of fraud with it before I figured out what happened. And then he tried to do it again, a week later!

Here's what happened. Over the Christmas holiday, I traveled to New Orleans. The day we landed, I hit a Chase ATM in the French Quarter for some cash, but the machine declined the transaction. Later in the day, we passed a little credit-union's ATM and I used that one instead (I bank with a one-branch credit union and generally there's no fee to use another CU's ATM).

A couple days later, I got a call from my credit union. It was a weekend, during the holiday, and the guy who called was obviously working for my little CU's after-hours fraud contractor. I'd dealt with these folks before – they service a ton of little credit unions, and generally the call quality isn't great and the staff will often make mistakes like mispronouncing my credit union's name.

That's what happened here – the guy was on a terrible VOIP line and I had to ask him to readjust his mic before I could even understand him. He mispronounced my bank's name and then asked if I'd attempted to spend $1,000 at an Apple Store in NYC that day. No, I said, and groaned inwardly. What a pain in the ass. Obviously, I'd had my ATM card skimmed – either at the Chase ATM (maybe that was why the transaction failed), or at the other credit union's ATM (it had been a very cheap looking system).

I told the guy to block my card and we started going through the tedious business of running through recent transactions, verifying my identity, and so on. It dragged on and on. These were my last hours in New Orleans, and I'd left my family at home and gone out to see some of the pre-Mardi Gras krewe celebrations and get a muffalata, and I could tell that I was going to run out of time before I finished talking to this guy.

"Look," I said, "you've got all my details, you've frozen the card. I gotta go home and meet my family and head to the airport. I'll call you back on the after-hours number once I'm through security, all right?"

He was frustrated, but that was his problem. I hung up, got my sandwich, went to the airport, and we checked in. It was total chaos: an Alaska Air 737 Max had just lost its door-plug in mid-air and every Max in every airline's fleet had been grounded, so the check in was crammed with people trying to rebook. We got through to the gate and I sat down to call the CU's after-hours line. The person on the other end told me that she could only handle lost and stolen cards, not fraud, and given that I'd already frozen the card, I should just drop by the branch on Monday to get a new card.

We flew home, and later the next day, I logged into my account and made a list of all the fraudulent transactions and printed them out, and on Monday morning, I drove to the bank to deal with all the paperwork. The folks at the CU were even more pissed than I was. The fraud that run up to more than $8,000, and if Visa refused to take it out of the merchants where the card had been used, my little credit union would have to eat the loss.

I agreed and commiserated. I also pointed out that their outsource, after-hours fraud center bore some blame here: I'd canceled the card on Saturday but most of the fraud had taken place on Sunday. Something had gone wrong.

One cool thing about banking at a tiny credit-union is that you end up talking to people who have actual authority, responsibility and agency. It turned out the the woman who was processing my fraud paperwork was a VP, and she decided to look into it. A few minutes later she came back and told me that the fraud center had no record of having called me on Saturday.

"That was the fraudster," she said.

Oh, shit. I frantically rewound my conversation, trying to figure out if this could possibly be true. I hadn't given him anything apart from some very anodyne info, like what city I live in (which is in my Wikipedia entry), my date of birth (ditto), and the last four digits of my card.

Wait a sec.

He hadn't asked for the last four digits. He'd asked for the last seven digits. At the time, I'd found that very frustrating, but now – "The first nine digits are the same for every card you issue, right?" I asked the VP.

I'd given him my entire card number.

Goddammit.

The thing is, I know a lot about fraud. I'm writing an entire series of novels about this kind of scam:

https://us.macmillan.com/books/9781250865878/thebezzle

And most summers, I go to Defcon, and I always go to the "social engineering" competitions where an audience listens as a hacker in a soundproof booth cold-calls merchants (with the owner's permission) and tries to con whoever answers the phone into giving up important information.

But I'd been conned.

Now look, I knew I could be conned. I'd been conned before, 13 years ago, by a Twitter worm that successfully phished out of my password via DM:

https://locusmag.com/2010/05/cory-doctorow-persistence-pays-parasites/

That scam had required a miracle of timing. It started the day before, when I'd reset my phone to factory defaults and reinstalled all my apps. That same day, I'd published two big online features that a lot of people were talking about. The next morning, we were late getting out of the house, so by the time my wife and I dropped the kid at daycare and went to the coffee shop, it had a long line. Rather than wait in line with me, my wife sat down to read a newspaper, and so I pulled out my phone and found a Twitter DM from a friend asking "is this you?" with a URL.

Assuming this was something to do with those articles I'd published the day before, I clicked the link and got prompted for my Twitter login again. This had been happening all day because I'd done that mobile reinstall the day before and all my stored passwords had been wiped. I entered it but the page timed out. By that time, the coffees were ready. We sat and chatted for a bit, then went our own ways.

I was on my way to the office when I checked my phone again. I had a whole string of DMs from other friends. Each one read "is this you?" and had a URL.

Oh, shit, I'd been phished.

If I hadn't reinstalled my mobile OS the day before. If I hadn't published a pair of big articles the day before. If we hadn't been late getting out the door. If we had been a little more late getting out the door (so that I'd have seen the multiple DMs, which would have tipped me off).

There's a name for this in security circles: "Swiss-cheese security." Imagine multiple slices of Swiss cheese all stacked up, the holes in one slice blocked by the slice below it. All the slices move around and every now and again, a hole opens up that goes all the way through the stack. Zap!

The fraudster who tricked me out of my credit card number had Swiss cheese security on his side. Yes, he spoofed my bank's caller ID, but that wouldn't have been enough to fool me if I hadn't been on vacation, having just used a pair of dodgy ATMs, in a hurry and distracted. If the 737 Max disaster hadn't happened that day and I'd had more time at the gate, I'd have called my bank back. If my bank didn't use a slightly crappy outsource/out-of-hours fraud center that I'd already had sub-par experiences with. If, if, if.

The next Friday night, at 5:30PM, the fraudster called me back, pretending to be the bank's after-hours center. He told me my card had been compromised again. But: I hadn't removed my card from my wallet since I'd had it replaced. Also, it was half an hour after the bank closed for the long weekend, a very fraud-friendly time. And when I told him I'd call him back and asked for the after-hours fraud number, he got very threatening and warned me that because I'd now been notified about the fraud that any losses the bank suffered after I hung up the phone without completing the fraud protocol would be billed to me. I hung up on him. He called me back immediately. I hung up on him again and put my phone into do-not-disturb.

The following Tuesday, I called my bank and spoke to their head of risk-management. I went through everything I'd figured out about the fraudsters, and she told me that credit unions across America were being hit by this scam, by fraudsters who somehow knew CU customers' phone numbers and names, and which CU they banked at. This was key: my phone number is a reasonably well-kept secret. You can get it by spending money with Equifax or another nonconsensual doxing giant, but you can't just google it or get it at any of the free services. The fact that the fraudsters knew where I banked, knew my name, and had my phone number had really caused me to let down my guard.

The risk management person and I talked about how the credit union could mitigate this attack: for example, by better-training the after-hours card-loss staff to be on the alert for calls from people who had been contacted about supposed card fraud. We also went through the confusing phone-menu that had funneled me to the wrong department when I called in, and worked through alternate wording for the menu system that would be clearer (this is the best part about banking with a small CU – you can talk directly to the responsible person and have a productive discussion!). I even convinced her to buy a ticket to next summer's Defcon to attend the social engineering competitions.

There's a leak somewhere in the CU systems' supply chain. Maybe it's Zelle, or the small number of corresponding banks that CUs rely on for SWIFT transaction forwarding. Maybe it's even those after-hours fraud/card-loss centers. But all across the USA, CU customers are getting calls with spoofed caller IDs from fraudsters who know their registered phone numbers and where they bank.

I've been mulling this over for most of a month now, and one thing has really been eating at me: the way that AI is going to make this kind of problem much worse.

Not because AI is going to commit fraud, though.

One of the truest things I know about AI is: "we're nowhere near a place where bots can steal your job, we're certainly at the point where your boss can be suckered into firing you and replacing you with a bot that fails at doing your job":

https://pluralistic.net/2024/01/15/passive-income-brainworms/#four-hour-work-week

I trusted this fraudster specifically because I knew that the outsource, out-of-hours contractors my bank uses have crummy headsets, don't know how to pronounce my bank's name, and have long-ass, tedious, and pointless standardized questionnaires they run through when taking fraud reports. All of this created cover for the fraudster, whose plausibility was enhanced by the rough edges in his pitch - they didn't raise red flags.

As this kind of fraud reporting and fraud contacting is increasingly outsourced to AI, bank customers will be conditioned to dealing with semi-automated systems that make stupid mistakes, force you to repeat yourself, ask you questions they should already know the answers to, and so on. In other words, AI will groom bank customers to be phishing victims.

This is a mistake the finance sector keeps making. 15 years ago, Ben Laurie excoriated the UK banks for their "Verified By Visa" system, which validated credit card transactions by taking users to a third party site and requiring them to re-enter parts of their password there:

https://web.archive.org/web/20090331094020/http://www.links.org/?p=591

This is exactly how a phishing attack works. As Laurie pointed out, this was the banks training their customers to be phished.

I came close to getting phished again today, as it happens. I got back from Berlin on Friday and my suitcase was damaged in transit. I've been dealing with the airline, which means I've really been dealing with their third-party, outsource luggage-damage service. They have a terrible website, their emails are incoherent, and they officiously demand the same information over and over again.

This morning, I got a scam email asking me for more information to complete my damaged luggage claim. It was a terrible email, from a noreply@ email address, and it was vague, officious, and dishearteningly bureaucratic. For just a moment, my finger hovered over the phishing link, and then I looked a little closer.

On any other day, it wouldn't have had a chance. Today – right after I had my luggage wrecked, while I'm still jetlagged, and after days of dealing with my airline's terrible outsource partner – it almost worked.

So much fraud is a Swiss-cheese attack, and while companies can't close all the holes, they can stop creating new ones.

Meanwhile, I'll continue to post about it whenever I get scammed. I find the inner workings of scams to be fascinating, and it's also important to remind people that everyone is vulnerable sometimes, and scammers are willing to try endless variations until an attack lands at just the right place, at just the right time, in just the right way. If you think you can't get scammed, that makes you especially vulnerable:

https://pluralistic.net/2023/02/24/passive-income/#swiss-cheese-security

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[rad-batson]

Quick headcanon that at some point, the Justice League makes a time-off calendar for every time a leaguer is busy and needs someone to keep their city safe while they’re gone. Maybe they have a work trip or a family thing or even some vacation they planned.

All a hero has to do is request time off, and another member will sub in while they’re gone. The only problem is that it creates a pattern. It would be suspicious if Green Arrow is only replaced when Oliver Queen is on a business trip, right? So to keep the public on their toes, JL members are encouraged to take a random day off each month or so and switch out with no rhyme or reason. Just any random day, any random hour.

The outcome is complete chaos.

Clark Kent has the pleasure of interviewing Wonder Woman at the scene of a car chase she just stopped in Metropolis.

Some muggers in Star City are scooped up into a giant glowing cage while Green Lantern riddles off bird puns to an exasperated Black Canary.

A team of robbers hit a bank in Central City but get roasted by Plastic Man for their poor their safe-cracking skills as they’re taken into custody.

Black Manta uses his high tech weaponry to wreak havoc in the Atlantic only to be hit with a torpedo as the Bat-Sub dives towards him at full speed.

Cyborg is lecturing a group of teen vandals in Fawcett City when Captain Marvel just waltzes up, says, “I’m tapping back in,” and continues the lecture where he left off.

Complete. And. Utter. Chaos. No one knows who will show up at the scene now, not even the cops, but criminals are scared shitless.

The JL decides to keep the calendar. If only for entertainment.

[all-doggirls-go-to-heaven-2]

The tiktok "money glitch" thing is funny bc we're all talking abt concepts no one teaches young ppl abt anymore and saying "Isn't it common sense???" Like no girl no one is teaching to teenagers what financial fraud is. They barely are talking abt how checks work in the first place. "You can just google it" well the first source of information they had on the subject promised them a ferrari so why would they????

The deliberate obstruction of the processes of finance is to blame, imo. "The masses are stupid and were conned into commiting fraud" Why is it so easy to commit fraud in the 6 digits with a cellphone and a piece of paper. These people were doing it badly bc they were filming it, sure. Whats stopping me from getting an old person's bank numbers (Which, cant stress enough, is incredibly easy to do if you're up to ruining lives) and then doing the exact same thing.

Why is everyone saying the youth is stupid and not "wait. Chase Bank fucking inputs the full money into my account without having to clear ANY check?!" Because that is MUCH, much more worrying and dangerous than "Teens on tiktok are causing financial problem". Like do you realize that the only reason the kids were caught was because they were so brazen an callous to film it and use their own personal bank acct with their I.D.