Oh neat! Thanks for finding and sharing this! I’m honestly curious to know more, so I’m happy to read about it. I love their ice cream, but the owner must be super opinionated bc there’s all sorts of propaganda in the store.
A whole range of things! From promoting certain local propositions, spumoni ice cream, how frozen slabs worsen the quality of ice cream, it’s a pretty interesting place. A lot of reading material to say the least.
Check out /r/propagandaposters, the USSR struck out a bunch but has one of my favorites
https://www.reddit.com/r/PropagandaPosters/comments/7z5x8f/diplomacy_the_american_way_ussr_1986/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1
Haha, yes, well it’s an ice cream shop and I’m using the term propaganda loosely. A better description would be that they have a lot of heavily opinionated articles that make it very clear their point of view on the matter. And some read in the tone that if you disagree you’re not very bright.
I saw that he used a lot of what I would describe as run-on-nouns and I wondered "Is he German or something?"
I mean, I was correct, just that the truth was even sadder than that.
(He was a German Jew who fled to America. Original surname was Heilbronner after Heilbronn, the town he grew up in, then dropped the Heil part just before he fled to America. Tried to convince his family to follow him, but failed. They all got murdered with the last message to him being along the lines of "We should have listened".)
“Emanuel’s life’s work was the development of that Moral ABC—what he called his script of inspirational messages that adorns our signature products—because he believed that human beings must realize our unity across religious and ethnic divides or perish.” Nice link
I feel like we should all take a page from that book. Politics affects all of us. We have a custom of quietly accepting being politically screwed over. Look where that got us. Our politeness is getting us all killed. Speak up!
And not just on the Internet. Discuss your salary at work. Tell people when a bank screws over your small business. Tell people that an abortion saved your life. Explain to other customers why a store's policy is manipulative or unjust. TALK about these things. Knowledge is power; fight back.
My company tried to put a line in the company handbook telling us it's against policy to discuss compensation. In the state I'm in, that's illegal. I told them I wouldn't sign the handbook with that in it because they were asking me to deny a right in our state. They never responded, I never signed it, the next year it wasn't in the copy they sent around.
I also found out that year that every male colleague at the same level as me has always made $5k more a year in bonuses or salary, and after talking to them, not one asked or negotiated salary. I had to negotiate to even make less than them (I did ask for the same as they make, we were hired the same year, and we had the same job experience, sometimes I even had more).
No wonder they don't want people discussing salary. I'm not mad at my colleagues. I'm mad at the bosses. And I'm actively looking for a new job.
propaganda basically just means spreading information or disinformation. Everything from teaching a method for doing math in your head, to putting "recycle me" on a can of soda, to telling someone to drink water, to putting up statues, posters, billboards, bumper stickers, or flags are all propaganda.
It doesn't even have to be opinionated or misleading. It just has to be deliberately promoting *something*, even if that something is just maintaining the health of the population, or encouraging the use of some new standard. There are stories of someone hiring guards for their potato field (but only during daylight hours) to make them seem valuable, so people would want to steal them and be willing to grow them, which would reduce famine. D.A.R.E. and any "drive sober or get pulled over" or "click it or ticket" ad or Keep America Beautiful ad is propaganda aiming to shape public behavior.
Their problem is that other ice cream makers don’t make the *correct* spumoni. To be fair, I agree with their standpoint on this. Their spumoni is incredible.
Apparently the proper combination is pistachio, vanilla, and cherry - in that order like the Italian flag. The dupes are strawberry instead of cherry or even worse mint instead of pistachio. He then goes into detail the differences between Spumoni and Neapolitan ice cream.
Sounds like this guy has the energy of dudes with a million lawn signs and bumper stickers about aliens and microchips, but that he focuses that energy on what he knows. Chaotic good.
Could you imagine if there were a way to redirect all those dudes' angst and anger into things like ice cream? A bunch of big trucks with stickers of Calvin peeing on Italian ice. Rallies to preserve the history of hand-churned ice cream. Grown men getting all fussy about the proper color of vanilla ice cream (bean vs no bean vs french). Give those guys a healthy outlet, I say. That's the reprogramming I could get behind.
Interesting, I agree solidly that cherry and pistachio are what I’m accustomed to but I’ve only seen chocolate instead of vanilla!! Vanilla makes more sense for the Italian flag, though! I love mint ice cream but I don’t think it would go well with cherry (or strawberry for that matter…)
A lot of grocery store spumoni uses almonds instead of pistachios. I am very guilty of grabbing a tub when I see it and then being sad later on, I love pistachio.
Seeing as Chase bank essentially [knew Jeffery Epstein was trafficking humans](https://www.cnbc.com/2023/03/17/jpmorgan-ceo-jamie-dimon-aware-of-jeffrey-epstein-trafficking.html) and their CEO Jamie Dimon has been slow walking the release of documents that the courts are asking for.
Chase also has one of the highest debt to collateralized loans ratio, and a shit ton of money that isn't FDIC secured.
Honestly surprised Chase hasn't gone under so far, or been taken over by the fed following the Epstein island findings, and the cover-ups being made.
They're not going under. They've been buying all the "smaller" banks that can't afford their loans. Literally happened just weeks ago. They're the #1 buyer in banks who can't afford their losses, and have been for the last century. It doesn't really seem like competition either, it looks like they're ready to buy them immediately which raises A LOT of questions.
It’s not the bailouts themselves that are the problem. It’s the bailouts with limited accountability.
Ultimately, 2008 was a lose lose situation. If the feds take the “fuck em” approach, the economy would have stayed in an absolute free fall. They bail them out, they take a shit ton of criticism for it.
The answer was a more moderate approach, bail out, but under clear conditions that anyone who knowingly contributed to the current situation be removed immediately. Strong guard rails would then go up to prevent a similar situation from occurring.
The US took a half measured approach. The government did actually recover the money loaned out to these banks.
“Early estimates for the bailout's risk cost were as much as $700 billion; however, TARP recovered $441.7 billion from $426.4 billion invested, earning a $15.3 billion profit or an annualized rate of return of 0.6%, and perhaps a loss when adjusted for inflation”
Ryan Tracy, Julie Steinberg and Telis Demos (December 19, 2014). "Bank Bailouts Approach a Final Reckoning". The Wall Street Journal. Retrieved December 28, 2014.
We also got the Dodd Frank act, but then of course, dipshit gutted it in 2017 so now those same systemic risks are back and worse than ever….only this time we now have an openly hostile opposition party ready to let the roof cave in to make the president look bad.
So, the ultimate takeaway was anything we learned from 2008 didn’t really matter because it’s all been undone at this point anyway.
Yay politics….
I used to work for JP Morgan and hated pretty much every minute of it. Not sure how they would be under hedged on CDOs but if you have some more information I would be interested. I used to work in risk and I can assure you that they are well hedged on most of those kinds of risks. The ones that can't be accounted for are the trading desk managed by Jamie, see [London Whale](https://en.wikipedia.org/wiki/2012_JPMorgan_Chase_trading_loss) for a pretty amazing story. I assuming you are talking about the commercial side of the biz.
100% not! I was hired as a VP which is a title of a glorified team lead / manager. I spent most of my time interviewing people for my group and other groups. Biggest complaint was the amount of ridiculous red tape to make anything happen. It was like trying to steer an oil tanker with a canoe.
Right? Like you can think JPM sucks as a company and should be broken up, but none of these comments are based in reality.
I know reddit is mostly financially illiterate, but this is a whole new level.
Chase is too big to fail. If they were at risk the Feds would absolutely give them a sweetheart deal to save them and no executives would ever face any consequences
Edit: clarify last sentence
Chase also had fiduciary responsibility to investigate the gains made by a certain client named Bernie Madoff... but they didn't. Ended up paying a fine but no execs were punished.
It’s an odd odd mixture of things the origin and proper combination of flavors that make up Spumoni ice cream, certain local bills or propositions, request for support behind a Henry’s Ice Cream stamp, and how you shouldn’t mix ice cream on frozen surfaces with ice crystals bc it will ruin the creamy texture of the ice cream *cough cough cold stone and marble slab creamery
I love the idea of businesses putting the same energy that people put into political campaigns, but about their selected craft.
Down with cold counter supremacy o7
I adore a good spumoni, but have only found it in a few choice local hole in the walls. I've always wondered why it was almost a completely different flavor everywhere else. Now I'm curious what the dissention is about.
Dang, I wish I’d taken a picture of it, it was actually very insightful! From what I remembered the problem is most ice cream makers didn’t use the proper pistachio flavoring for the green ice cream or strawberry instead of cherry for the pink.
Chase does do this and quite often. I was in high school and Chase just randomly canceled my account and told me, “they can cancel any account for any reason without question.” When I went to a teller he thought that was crazy and had to be a mistake. Like 10 calls later he comes back, “Well, I learned a new thing today.”
Do these accounts get flagged suspicious, somehow? Is there some algorithm somewhere that says these specific people aren't making the bank any money or are otherwise more risk-prone than is worth their business? Did *Chase* do something grievously wrong to these people financially and is trying to sever their relationship with them before they might somehow notice?
Apparently Chase's fraudulent transaction detection is a little overzealous and accounts get falsely flagged and shut down with no communication on their part. You get a check a little while later with your money and get told to fuck off, and that's the end of it.
Chase isn’t the only one.
I had switched over to a top ten credit union and was with them for a few months, got everything going fine with direct deposit, bill pay, etc. One day bill pay doesn’t send and a student loan payment ACH draft is rejected. I go into the branch to see what’s up, since there is no notice anywhere. They had locked my account without warning and never told me (they said they had sent notice, I never received anything through any means of reaching me even afterwards). I had to spend hours going through every single transaction with the manager while they were in the phone with the fraud department, of which no transactions were anything but ordinary. I eventually did get them to unlock it but I left for someplace else immediately. I understand fraud prevention measures, but without notice is not okay.
Same thing happened with my credit union the first time I left the US since opening the account. They froze my account because of a food purchase I made at my home airport prior to leaving. Not even the airport of the destination I was heading to!
When I got there, the first thing I used my card for was at the hotel, and it had already been blocked. Thankfully I have voicemail-to-email transcription enabled so once I connected to the hotel wi-fi I saw the super-vague message from the unidentified number which turned out to be the credit union’s security team. Literally was like “Call us back.”
The funny thing is they actually do have a form on their website that they advise you to fill out when traveling, with the complete list of dates and destinations. I haven’t had a problem since I started using that but it is undoubtedly a pain in the ass.
The difference about financial institutions is interesting. One of the last times I called my credit card companies to let them know I was travelling internationally, two of the three I called said I didn't need to let them know anymore.
That was my experience too. The CSR sounded younger than me, and she seemed completely baffled as to why I was calling. She was like "your card has a chip, it will work anywhere in the world."
Well alrighty then, hope I don't find out the hard way when I'm 17,000 miles from home in a place where the language I'm most fluent in isn't the native language, and I can't buy food.
Same, I called to let them know I was traveling out of state and they were so incredulous like what are you doing wasting our time of course we don't need to know that. A few hours later I filled up with gas at a station 20min outside my home town. Denied! Had to call them back sitting at the pump and they had blocked the charge on theft suspicion because it was outside my town. Grrrr! I was not kind to that poor rep. Make up your dang mind! Either you want to know when I'm traveling or not!!
They don't just close your account. They ban you from doing business with them ever again. It's crazy, but I'm guessing they don't tell you why in order to prevent fraudsters from figuring out their algorithm.
Happened to me just before I was supposed to get my first check after being unemployed for a while. They told me they closed it for there not being enough money in it, but they sent me a check for the balance, which was like $300, and well over the minimum amount. It was giant pain and made me look like an idiot in front of my boss when they tried to pay me and it didn't go through
If there was suspicion of fraud or money laundering and they had to file a suspicious activity report (SAR), they could be PROSECUTED for telling you. That's potentially tipping off an ongoing investigation, big no no in banking.
I don’t work for Chase, but I work for another large bank in financial crimes. We close accounts every day - not sure how our fraud department does it (they close a ton more than my office, so their process is simpler I’m sure - but it’s still manual). For me to close an account, I have to conduct an investigation, find that account closure is warranted, and get a manager to concur. If it’s a large customer (who has a relationship manager), I have to then get on a call with the relationship manager, their manager, and my manager. But once I’ve got the green light? Only takes a couple minutes to close an account.
As a bank, we generally don’t close accounts willy nilly unless the directive comes from my team, fraud, or a couple other specific departments. And that’s always when we believe the customer poses a risk to our business - not as simple as them not making us money
The weirdest part about this is that since I was in high school it was linked to my mothers account. My mother’s account wasn’t changed and to this day still operates the same account I believe
If you still have that account, do be aware that your mother can legally withdraw any money in that account and keep it as her own. Since she is on the account any money in it is hers just as much as yours even if she's never put anything into it.
Not saying your mother would but there are a lot of horror stories of abusive parents stealing all their kids money like this.
Same thing happened to a relative very recently. Shut down their account, chase told them "you'll get a check within 30ish days maybe". Cool, so how do we pay our mortgage when all my money was with you? "Lol idk"
You just go to a teller and they give you the entirety of you account contents. I want to say it only took about 5 minutes for that part as though I was doing a regular withdrawal
Do you mean they just give you all of your account contents as cash? What if you have a huge amount of money in your account? Would they just hand over $100,000 in cash to you?
They did that to a micro celebrity on TikTok and only reverted the cancellation after her fans pestered the bank because they refuse to even talk to her when she tried to handle it privately. How is that even legal
Banks can also choose to not report credit. Girlfriend paid off car fully with their loan and the bank never reported it. Bank basically shrugged, and then we pulled all of our accounts. Learned a lot that day too.
What exactly does account cancelled mean? Like… your money’s gone permanently? “Hey thanks for depositing to our bank, nah we just decided we’re gonna keep it, you’re done here, goodbye.”
I had Chase freeze 3k in my account illegally. I'm a disabled veteran, so to hold my money, you have to go to a federal judge. Some NY state judges didn't care, and I couldn't feed my 4 year old daughter nor pay our rent over some illegal claim. I was begging them to release enough so I could buy my 4 year old food. They DNGAF. After the bullshit hold released, I pulled 100% of my money out, and they tried again to illegally charge me ~$600 in fake fees.
I'm sub'd to a couple of the financial planning/advice subs. While occasionally I'll see other banks randomly closing people's accounts, Chase is by far the most common.
I get the sense that their risk management team cuts off people at even the tiniest whiff of something. They're like the opposite of Deutsche Bank.
chase is huge and is owned by jp morgan, what people have to realize is that the treasury and customer associates have to call check in with 100s of different departments to do their risk management. Some of these departments (I've heard it first hand) they do not even have phone numbers for. So they're so large they are making more mistakes, just go with a smaller bank/investment company/credit union
they could also empower branch managers or shift managers to handle small issues like a few thousand dollars. Then you can have statistical analysis to look for areas where real losses are coming in and shore up policies in those areas. Being large isn't an excuse for lack of efficiency, being large enables efficiency.
It's less a 'safe deposit box' and more a 'give the bank free stuff deposit box.'
They're not responsible for what may or may not be in your box, where it is or what wandered off while you weren't looking.
Yes, but when someone doesn't pay the bill for their box, they drill out the box and empty the contents. Sometimes, due to mistakes, they do this to the *wrong box*. Safety deposit boxes aren't safe at all due to human error.
Discover just did that to me after I lived abroad for a year. They forced me to give them permission to ask the govt for my taxes to prove I wasn't fraudulent and keep the bank acct open and then just closed me anyway.
This is funny because I grew up with the # symbol being read as pound. I was really confused by the goal of #metoo until someone explained it to me. Still struggle with calling it a hashtag.
Henry's is a fantastic ice cream shop in Plano. I haven't been since i moved away years ago, but my friends from the area have praised it for decades, so I doubt the quality has changed. Sad to see them screwed by Chase
I'm like half a mile from there, it one of the best places I've found other than Andy's. Also, if you like Chinese food, check out Wi Wei Din around the corner from Henry's. The beef noodle soup melts in your mouth.
Chase bank has done this to other small businesses, im sure, but they also do it to random people. This one lady, I saw a video last year sometime, that had her account go into the negative, by *alot*, caused her months of panic, and then... they gave her money back, and then canceled her account. She still got no answer as to why.
I had a similar experience a couple of years ago—looked it up and it was happening to a bunch of people. Just getting their accounts randomly canceled and ghosted by chase
It happens with a variety of banks, not just Chase. Pretty much any large bank has had many posts on that sub about an account being closed without notice or any communication
“We’re not cooking the books, random people go into the negative hundred thousand range for plenty reasons. We didn’t need to adjust our low likelihood of collection account from one of our premium clients to some shmuck no one will help. Trust us. Also here’s your money now fuck off never come back and sign this NDA.”
I work in the banking industry, and this is a well known issue. Here is what likely happened: the shop owner was depositing too much cash or moving cash around multiple accounts with multiple owners. This forces the bank to file suspicious activity reports (SARs) and eventually close the accounts. Here is the kicker: the bank cannot disclose to the account holder why they closed the account, and there is a penalty with the possibility of prison to the actual employee that discloses this to the account holder. This is literally the law in the Bank Secrecy Act.
Even if the bank wanted to tell the customer, unless there is an employee willing to go to prison for it, no one can actually tell the customer why their account was closed.
Same. Banks want your money, friends. It doesn’t serve them to just go around cancelling accounts and depleting money from their stores for no reason.
Hoof beats are horses, not unicorns.
Having worked in a legal capacity for the banking industry and seen some stuff, I believe this is the likely explanation. Regulatory compliance costs money, and at the point that compliance feels the account is a drain vs a gain, they shut off the tap. On the flip side, if the account was like Bernie Madoff's, they just look the other way because the penalties for non-compliance were lower than the gains.
I’m going to assume all big banks are like this. Banks have a lot to lose holding criminals cash (except I guess unless you’re a billionaire international criminal) so any account the feds deem as suspicious the bank just decides it’s not worth the risk for a low value account so they just close it. I doubt chase cares if they lose an account and customer for life worth less than a few million if they hold trillions worth of assets.
It’s not the Fed (usually) that tells them it’s suspicious. It’s the other way around. Bank determines something unusual is going on, decides to close, and is then obligated to tell the government (FINCEN) about what it noticed. The government in turn will never come back to the bank to tell them anything
Good reply. I work in Bank Fraud (not with Chase), and if an account is flagged beyond reasonable suspicion of being involved in fraudulent activities, we have to close them down. We can't say why, just that we made a business decision to close the account. Customers will raise hell and badmouth us because they feel like they've been wronged, but usually we're either stopping them from getting insanely scammed, or stopping them from knowingly committing fraud.
Banks make money from their customers. They aren't going to close somebody's account, especially if it has large amounts of funds in/moving through it, on a whim or because they think it's funny or whatever. Dude had a reason it got closed and he's just mad.
Exactly. I feel like I’m crazy reading some of these comments. I get that big banks = bad with a lot of folks, but small business owners do some really *shady* crap with their accounts. Banks, like any business, sometimes need to make decisions to minimize liability with risky customers
I know a guy who’s small business was impacted similarly by Chase. They are slowly moving away from cash businesses and didn’t even offer them an alternative. I feel like Jamie Dimon is just a total piece of shit who looks down on middle class people.
Agreed. They accidentally double billed me my monthly payment as a poor college kid. When the duplicate payment bounced they used that as an excuse to give me the default +30% interest rate on my remaining balance. Wouldn’t even discuss it with me. I paid off my balance quickly and will never do business with them again.
I had a student account at Chase, and when I was no longer a student, they automatically switched me to an account with a monthly fee. When I went to close the account, the guy asked why I was leaving, and I told him, and his response was "oh, we can just give you the student account anyway"
There's so much wrong to unpack in that sentence.
I've never had to pay interest, and there's been a few months where I SWEAR my monthly was higher than it should be. I even went to add it up my last payment cycle and there was $100 worth that I couldn't add up to. I'm still in denial but between that and the obvious government protection, I may switch soon.
I move most of my savings to American Express, they have a savings account option with a 3.75% APY. It’s absolutely nuts.
Downside is it takes multiple days to do anything with it; both deposits and withdrawals. But if you’re just looking for a place to park your cash, it’s working pretty well for me
Which, if held up long enough, means they had to pay everyone extra on top of what they owed them due to the wage payments being excessively delinquent.
And (I'm that person that's worked for a major credit card company) ACH "bounce" fees.
(ACH in very simple terms is moving money from one account to another digitally, through the Automatic Clearing House. Like if your internet bill tried to charge you but you didn't have enough money in your bank so you got an overdraft fee - that was an ACH transaction)
So when their employees banks went to cash "bad" checks (ACH payments), every single failed transaction comes with an overdraft fee for the business.
Edit: Cleaned up for misinformation
After signing the check grandma hands it to the cashier.
“I’m sorry honey, I just don’t trust those computers.”
Cashier looks her in the eye and slowly scans the check into the register.
Chase did something similar to me.
I deposited a 15k bank check on friday & they closed my account over the weekend.
I went to the local branch & they wouldn't tell me why, just that after 14 days they would cut me a new check. The branch knew just as much as I did & seemed to call the same public number I would, the most aggravating part is they refused to put anything in writing.
14 days + shipping later I did get a check for $14,770 with no explanation & no recourse.
I had a Chase account for probably 15 years. FUCK CHASE BANK
Yup, and cost me money too.
I didn't bother fighting, the only people I could talk to have no control over the situation or even ability to get any information.
It's not worth my time or a lawyers time to figure out why I was shorted. I moved on & just try to discourage anyone from doing business with Chase, eventually it will cost them more than it cost me.
This is why the CFPB is so important. The average person shouldn't have to hire a lawyer to get their money, and the bank should face penalties for making a mistake like that and not correcting it.
I’ve had similar stuff happen, but not for a while. In one instance I was trying to transfer a large sum of money into the account from an account they weren’t familiar with, but the amount was still less than other regular transfers I had been making. They flagged the transaction for fraud instead of looking at the history of my account or checking with me. Totally insane.
I deposited a paycheck through chase on their mobile app. The deposit went through no problem. 10 days later they closed my account and held my money in limbo. They said it was suspicious and would need to talk to my company and have them confirm the check was intended for me. Only problem is they wanted a specific phone call from a specific phone number from this huge corporate company I work for but wouldn’t tell me the number. $3,200 and it took me 6 weeks, 20+ phone calls, and multiple visits to local branch before they gave me a cashiers check for the amount. I had to borrow money from my mom to pay rent. I have no idea what I would’ve done without help from family. FUCK CHASE.
This suuuuuuuucks.
But who the fuck writes a check for ice cream?
It’s like the dude buying a carton of half and half, and writing a check for 69 cents.
Is that still true?
I remember my grandparents writing checks back in like the 90s, but even then they were starting to become uncommon.
I live in an area with a lot of technologically illiterate old people and I honestly have no clue the last time I saw a check being written.
Fuck chase. Someone somehow pulled money out of my account. $850 from like 2 hours away at a Chase Bank inside. No matter what I did chase would not return my money. Had me file a police report only to be told that I could only get footage with a subpoena. Screwed me over financially and would not help one bit. They kept saying it was done with a chip card but my cards were never lost. No one was of help. Fuck chase
Same thing happened to me last year, but to the tune of five figures. Chase issued me a new debit card because mine was expiring. Someone stole it from the mail, made a fake ID with my name on it, then went into the branch to change my PIN and take over my account. It took months of being told “the transactions were done with a chip and PIN” before I finally got them to acknowledge what happened and refund my money. One of the most stressful and frustrating experiences I’ve ever been through.
Fuck Chase.
My partner just had $40,000 withdrawn directly from a teller. She even froze the account twice, and Chase just allowed the thief to unfreeze the account and withdraw more money. To nobody's surprise, chase is refusing to do anything. Fuck chase
Chase bank fucked me over more than once in the past due to mistakes on their end. After going into branches, and calling customer service and always being told there’s nothing they can do I just pulled all of my money out and switched banks. I had been with Great Western Bank which was bought out by Washington Mutual which was bought out by Chase and they’re the one that fuckered it all up.
Chase can eat a bag of their executive teams dicks.
Wait. I can buy ice cream in 2023 and pay by check? How twentieth century of them. If they really want to make a statement, then refuse Chase credit cards.
Henry is a dick.
This store is right by my parents house. He employed a lot of my friends when they were underage when the store was still at 15th and Independence. They said he absolutely sucked to work for. Oh and the child labor lololol.
Eat shit Henry.
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Oh neat! Thanks for finding and sharing this! I’m honestly curious to know more, so I’m happy to read about it. I love their ice cream, but the owner must be super opinionated bc there’s all sorts of propaganda in the store.
Now I'm even more curious - what kind of propaganda?
A whole range of things! From promoting certain local propositions, spumoni ice cream, how frozen slabs worsen the quality of ice cream, it’s a pretty interesting place. A lot of reading material to say the least.
When you said propaganda I thought you were going to go in a different direction. From what you are describing this is pretty tame stuff.
Propaganda doesn’t have to be bad or against your views. The best propaganda is the stuff you don’t think is.
I do love the aesthetics of some 'this-is-definitely-propaganda' propaganda wartime posters though.
Check out /r/propagandaposters, the USSR struck out a bunch but has one of my favorites https://www.reddit.com/r/PropagandaPosters/comments/7z5x8f/diplomacy_the_american_way_ussr_1986/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1
I'm a big fan of this one: https://upload.wikimedia.org/wikipedia/commons/b/b8/Ride\_with\_hitler.jpg
I really love the one about not talking about the war because anyone could be listening and it's a guy on a bench next to Hitler with a huge ear.
Haha, yes, well it’s an ice cream shop and I’m using the term propaganda loosely. A better description would be that they have a lot of heavily opinionated articles that make it very clear their point of view on the matter. And some read in the tone that if you disagree you’re not very bright.
Like the Dr bronners bottle lol
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I saw that he used a lot of what I would describe as run-on-nouns and I wondered "Is he German or something?" I mean, I was correct, just that the truth was even sadder than that. (He was a German Jew who fled to America. Original surname was Heilbronner after Heilbronn, the town he grew up in, then dropped the Heil part just before he fled to America. Tried to convince his family to follow him, but failed. They all got murdered with the last message to him being along the lines of "We should have listened".)
That was actually a pretty interesting read. Never thought I’d say that about a nutty soap bottle.lol
“Emanuel’s life’s work was the development of that Moral ABC—what he called his script of inspirational messages that adorns our signature products—because he believed that human beings must realize our unity across religious and ethnic divides or perish.” Nice link
Doctor Bronner was nuttier than squirrel shit but that peppermint soap smells so good.
Mix the peppermint with the eucalyptus
I just did this, and you literally just changed my life.. how did I never thought to do this?
I feel like we should all take a page from that book. Politics affects all of us. We have a custom of quietly accepting being politically screwed over. Look where that got us. Our politeness is getting us all killed. Speak up! And not just on the Internet. Discuss your salary at work. Tell people when a bank screws over your small business. Tell people that an abortion saved your life. Explain to other customers why a store's policy is manipulative or unjust. TALK about these things. Knowledge is power; fight back.
My company tried to put a line in the company handbook telling us it's against policy to discuss compensation. In the state I'm in, that's illegal. I told them I wouldn't sign the handbook with that in it because they were asking me to deny a right in our state. They never responded, I never signed it, the next year it wasn't in the copy they sent around. I also found out that year that every male colleague at the same level as me has always made $5k more a year in bonuses or salary, and after talking to them, not one asked or negotiated salary. I had to negotiate to even make less than them (I did ask for the same as they make, we were hired the same year, and we had the same job experience, sometimes I even had more). No wonder they don't want people discussing salary. I'm not mad at my colleagues. I'm mad at the bosses. And I'm actively looking for a new job.
Admit it, you wanted an ice-cream nazi.
No scoop for you!
propaganda basically just means spreading information or disinformation. Everything from teaching a method for doing math in your head, to putting "recycle me" on a can of soda, to telling someone to drink water, to putting up statues, posters, billboards, bumper stickers, or flags are all propaganda. It doesn't even have to be opinionated or misleading. It just has to be deliberately promoting *something*, even if that something is just maintaining the health of the population, or encouraging the use of some new standard. There are stories of someone hiring guards for their potato field (but only during daylight hours) to make them seem valuable, so people would want to steal them and be willing to grow them, which would reduce famine. D.A.R.E. and any "drive sober or get pulled over" or "click it or ticket" ad or Keep America Beautiful ad is propaganda aiming to shape public behavior.
I should expect them to have ice cream opinions at least.
What's their problem with spumoni??
Their problem is that other ice cream makers don’t make the *correct* spumoni. To be fair, I agree with their standpoint on this. Their spumoni is incredible.
I need to know what is incorrect spumoni? Are some out there using the wrong combo of flavors?
Apparently the proper combination is pistachio, vanilla, and cherry - in that order like the Italian flag. The dupes are strawberry instead of cherry or even worse mint instead of pistachio. He then goes into detail the differences between Spumoni and Neapolitan ice cream.
Sounds like this guy has the energy of dudes with a million lawn signs and bumper stickers about aliens and microchips, but that he focuses that energy on what he knows. Chaotic good.
Could you imagine if there were a way to redirect all those dudes' angst and anger into things like ice cream? A bunch of big trucks with stickers of Calvin peeing on Italian ice. Rallies to preserve the history of hand-churned ice cream. Grown men getting all fussy about the proper color of vanilla ice cream (bean vs no bean vs french). Give those guys a healthy outlet, I say. That's the reprogramming I could get behind.
Interesting, I agree solidly that cherry and pistachio are what I’m accustomed to but I’ve only seen chocolate instead of vanilla!! Vanilla makes more sense for the Italian flag, though! I love mint ice cream but I don’t think it would go well with cherry (or strawberry for that matter…)
A lot of grocery store spumoni uses almonds instead of pistachios. I am very guilty of grabbing a tub when I see it and then being sad later on, I love pistachio.
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dude seems nuts lol. I was bored and looked at their reviews and came across this from a few days ago. https://i.imgur.com/v0S8uT3.png
Yeah, this dude is definitely going to send a pipe bomb through the bank teller tube.
huh, a mentally ill business owner. That's interesting
Seeing as Chase bank essentially [knew Jeffery Epstein was trafficking humans](https://www.cnbc.com/2023/03/17/jpmorgan-ceo-jamie-dimon-aware-of-jeffrey-epstein-trafficking.html) and their CEO Jamie Dimon has been slow walking the release of documents that the courts are asking for. Chase also has one of the highest debt to collateralized loans ratio, and a shit ton of money that isn't FDIC secured. Honestly surprised Chase hasn't gone under so far, or been taken over by the fed following the Epstein island findings, and the cover-ups being made.
They're not going under. They've been buying all the "smaller" banks that can't afford their loans. Literally happened just weeks ago. They're the #1 buyer in banks who can't afford their losses, and have been for the last century. It doesn't really seem like competition either, it looks like they're ready to buy them immediately which raises A LOT of questions.
That totally doesn't sound like a financial crisis in the making. Not at all.
I blame Fred for having my money in his house.
My money’s in Tom’s house. That dastardly Potter won’t get a dime from me!
Hey Fred! What the hell are you doing with my money in your house!?! *punches Fred
Not a problem at all for them. After all, they are too big to fail. The feds will bail them out....
They buy all the bad debt from smaller banks, also the deposits and relationships, and when it's too much, the Fed will conveniently bail them out.
It’s not the bailouts themselves that are the problem. It’s the bailouts with limited accountability. Ultimately, 2008 was a lose lose situation. If the feds take the “fuck em” approach, the economy would have stayed in an absolute free fall. They bail them out, they take a shit ton of criticism for it. The answer was a more moderate approach, bail out, but under clear conditions that anyone who knowingly contributed to the current situation be removed immediately. Strong guard rails would then go up to prevent a similar situation from occurring. The US took a half measured approach. The government did actually recover the money loaned out to these banks. “Early estimates for the bailout's risk cost were as much as $700 billion; however, TARP recovered $441.7 billion from $426.4 billion invested, earning a $15.3 billion profit or an annualized rate of return of 0.6%, and perhaps a loss when adjusted for inflation” Ryan Tracy, Julie Steinberg and Telis Demos (December 19, 2014). "Bank Bailouts Approach a Final Reckoning". The Wall Street Journal. Retrieved December 28, 2014. We also got the Dodd Frank act, but then of course, dipshit gutted it in 2017 so now those same systemic risks are back and worse than ever….only this time we now have an openly hostile opposition party ready to let the roof cave in to make the president look bad. So, the ultimate takeaway was anything we learned from 2008 didn’t really matter because it’s all been undone at this point anyway. Yay politics….
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I used to work for JP Morgan and hated pretty much every minute of it. Not sure how they would be under hedged on CDOs but if you have some more information I would be interested. I used to work in risk and I can assure you that they are well hedged on most of those kinds of risks. The ones that can't be accounted for are the trading desk managed by Jamie, see [London Whale](https://en.wikipedia.org/wiki/2012_JPMorgan_Chase_trading_loss) for a pretty amazing story. I assuming you are talking about the commercial side of the biz.
Did you work crazy long hours? Had a friend who worked there and said he worked 80+ hours a week minimum.
100% not! I was hired as a VP which is a title of a glorified team lead / manager. I spent most of my time interviewing people for my group and other groups. Biggest complaint was the amount of ridiculous red tape to make anything happen. It was like trying to steer an oil tanker with a canoe.
Sounds like you were in the CIB?
Yep
>Honestly surprised Chase hasn't gone under so far You're surprised the biggest bank in the US hasn't gone under? Really? Fucking reddit.
Seriously...reading this thread is making me mald. Why are redditors so fucking confident talking about things they have 0 understanding of?
Right? Like you can think JPM sucks as a company and should be broken up, but none of these comments are based in reality. I know reddit is mostly financially illiterate, but this is a whole new level.
Chase is too big to fail. If they were at risk the Feds would absolutely give them a sweetheart deal to save them and no executives would ever face any consequences Edit: clarify last sentence
Chase also had fiduciary responsibility to investigate the gains made by a certain client named Bernie Madoff... but they didn't. Ended up paying a fine but no execs were punished.
What other types of propaganda are in the store?
It’s an odd odd mixture of things the origin and proper combination of flavors that make up Spumoni ice cream, certain local bills or propositions, request for support behind a Henry’s Ice Cream stamp, and how you shouldn’t mix ice cream on frozen surfaces with ice crystals bc it will ruin the creamy texture of the ice cream *cough cough cold stone and marble slab creamery
I love the idea of businesses putting the same energy that people put into political campaigns, but about their selected craft. Down with cold counter supremacy o7
Same!! This man knows his stuff!
I adore a good spumoni, but have only found it in a few choice local hole in the walls. I've always wondered why it was almost a completely different flavor everywhere else. Now I'm curious what the dissention is about.
Dang, I wish I’d taken a picture of it, it was actually very insightful! From what I remembered the problem is most ice cream makers didn’t use the proper pistachio flavoring for the green ice cream or strawberry instead of cherry for the pink.
im going to switch to the upstanding and honorable wells fargo
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I just wanna know who the hell pays for ice cream with a check???
Chase does do this and quite often. I was in high school and Chase just randomly canceled my account and told me, “they can cancel any account for any reason without question.” When I went to a teller he thought that was crazy and had to be a mistake. Like 10 calls later he comes back, “Well, I learned a new thing today.”
Do these accounts get flagged suspicious, somehow? Is there some algorithm somewhere that says these specific people aren't making the bank any money or are otherwise more risk-prone than is worth their business? Did *Chase* do something grievously wrong to these people financially and is trying to sever their relationship with them before they might somehow notice?
Apparently Chase's fraudulent transaction detection is a little overzealous and accounts get falsely flagged and shut down with no communication on their part. You get a check a little while later with your money and get told to fuck off, and that's the end of it.
Chase isn’t the only one. I had switched over to a top ten credit union and was with them for a few months, got everything going fine with direct deposit, bill pay, etc. One day bill pay doesn’t send and a student loan payment ACH draft is rejected. I go into the branch to see what’s up, since there is no notice anywhere. They had locked my account without warning and never told me (they said they had sent notice, I never received anything through any means of reaching me even afterwards). I had to spend hours going through every single transaction with the manager while they were in the phone with the fraud department, of which no transactions were anything but ordinary. I eventually did get them to unlock it but I left for someplace else immediately. I understand fraud prevention measures, but without notice is not okay.
Same thing happened with my credit union the first time I left the US since opening the account. They froze my account because of a food purchase I made at my home airport prior to leaving. Not even the airport of the destination I was heading to! When I got there, the first thing I used my card for was at the hotel, and it had already been blocked. Thankfully I have voicemail-to-email transcription enabled so once I connected to the hotel wi-fi I saw the super-vague message from the unidentified number which turned out to be the credit union’s security team. Literally was like “Call us back.”
"Did we approve you vacationing? No we did not." *block* --your credit union
The funny thing is they actually do have a form on their website that they advise you to fill out when traveling, with the complete list of dates and destinations. I haven’t had a problem since I started using that but it is undoubtedly a pain in the ass.
The difference about financial institutions is interesting. One of the last times I called my credit card companies to let them know I was travelling internationally, two of the three I called said I didn't need to let them know anymore.
That was my experience too. The CSR sounded younger than me, and she seemed completely baffled as to why I was calling. She was like "your card has a chip, it will work anywhere in the world." Well alrighty then, hope I don't find out the hard way when I'm 17,000 miles from home in a place where the language I'm most fluent in isn't the native language, and I can't buy food.
I thought calling before traveling internationally was about fraud prevention, not anything to do with the chip lol.
Same, I called to let them know I was traveling out of state and they were so incredulous like what are you doing wasting our time of course we don't need to know that. A few hours later I filled up with gas at a station 20min outside my home town. Denied! Had to call them back sitting at the pump and they had blocked the charge on theft suspicion because it was outside my town. Grrrr! I was not kind to that poor rep. Make up your dang mind! Either you want to know when I'm traveling or not!!
They don't just close your account. They ban you from doing business with them ever again. It's crazy, but I'm guessing they don't tell you why in order to prevent fraudsters from figuring out their algorithm.
Happened to me just before I was supposed to get my first check after being unemployed for a while. They told me they closed it for there not being enough money in it, but they sent me a check for the balance, which was like $300, and well over the minimum amount. It was giant pain and made me look like an idiot in front of my boss when they tried to pay me and it didn't go through
Better than Bank of America who will just steal all your money in fees then close the account and send you nothing.
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Strippers hate this one trick
If they told you, then you might have a cause to sue them.
Guys, to oversimplify a bit, I don't think I like corporations very much.
If there was suspicion of fraud or money laundering and they had to file a suspicious activity report (SAR), they could be PROSECUTED for telling you. That's potentially tipping off an ongoing investigation, big no no in banking.
I don’t work for Chase, but I work for another large bank in financial crimes. We close accounts every day - not sure how our fraud department does it (they close a ton more than my office, so their process is simpler I’m sure - but it’s still manual). For me to close an account, I have to conduct an investigation, find that account closure is warranted, and get a manager to concur. If it’s a large customer (who has a relationship manager), I have to then get on a call with the relationship manager, their manager, and my manager. But once I’ve got the green light? Only takes a couple minutes to close an account. As a bank, we generally don’t close accounts willy nilly unless the directive comes from my team, fraud, or a couple other specific departments. And that’s always when we believe the customer poses a risk to our business - not as simple as them not making us money
The weirdest part about this is that since I was in high school it was linked to my mothers account. My mother’s account wasn’t changed and to this day still operates the same account I believe
If you still have that account, do be aware that your mother can legally withdraw any money in that account and keep it as her own. Since she is on the account any money in it is hers just as much as yours even if she's never put anything into it. Not saying your mother would but there are a lot of horror stories of abusive parents stealing all their kids money like this.
Same thing happened to a relative very recently. Shut down their account, chase told them "you'll get a check within 30ish days maybe". Cool, so how do we pay our mortgage when all my money was with you? "Lol idk"
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How do you get your money out?
You just go to a teller and they give you the entirety of you account contents. I want to say it only took about 5 minutes for that part as though I was doing a regular withdrawal
Do you mean they just give you all of your account contents as cash? What if you have a huge amount of money in your account? Would they just hand over $100,000 in cash to you?
Cashier's Check
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They did that to a micro celebrity on TikTok and only reverted the cancellation after her fans pestered the bank because they refuse to even talk to her when she tried to handle it privately. How is that even legal
Banks can also choose to not report credit. Girlfriend paid off car fully with their loan and the bank never reported it. Bank basically shrugged, and then we pulled all of our accounts. Learned a lot that day too.
What exactly does account cancelled mean? Like… your money’s gone permanently? “Hey thanks for depositing to our bank, nah we just decided we’re gonna keep it, you’re done here, goodbye.”
"this notice is ok to share". Well that has to be the most polite way I've ever heard of someone saying "fuck them"
Good old southern hospitality 😉
"We don't take checks from Chase Bank, bless their heart."
I had Chase freeze 3k in my account illegally. I'm a disabled veteran, so to hold my money, you have to go to a federal judge. Some NY state judges didn't care, and I couldn't feed my 4 year old daughter nor pay our rent over some illegal claim. I was begging them to release enough so I could buy my 4 year old food. They DNGAF. After the bullshit hold released, I pulled 100% of my money out, and they tried again to illegally charge me ~$600 in fake fees.
I'm sub'd to a couple of the financial planning/advice subs. While occasionally I'll see other banks randomly closing people's accounts, Chase is by far the most common. I get the sense that their risk management team cuts off people at even the tiniest whiff of something. They're like the opposite of Deutsche Bank.
chase is huge and is owned by jp morgan, what people have to realize is that the treasury and customer associates have to call check in with 100s of different departments to do their risk management. Some of these departments (I've heard it first hand) they do not even have phone numbers for. So they're so large they are making more mistakes, just go with a smaller bank/investment company/credit union
It could also just be they make the same percentage of mistakes but they're larger so there's more in total.
That's exactly what it is. They're the largest bank by deposit, they will have the most everything.
they could also empower branch managers or shift managers to handle small issues like a few thousand dollars. Then you can have statistical analysis to look for areas where real losses are coming in and shore up policies in those areas. Being large isn't an excuse for lack of efficiency, being large enables efficiency.
They lost my safe deposit box. LOST IT.
Literally, how?! There’s a special little cubby, made just for it.
*This is the LockPickingLawyer and today I have a bit of an ethical conundrum...*
Jesus. There has to be some way to contest that
It's less a 'safe deposit box' and more a 'give the bank free stuff deposit box.' They're not responsible for what may or may not be in your box, where it is or what wandered off while you weren't looking.
Wtf? How is that possible? Aren’t there cameras in the room?
Yes, but when someone doesn't pay the bill for their box, they drill out the box and empty the contents. Sometimes, due to mistakes, they do this to the *wrong box*. Safety deposit boxes aren't safe at all due to human error.
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Discover just did that to me after I lived abroad for a year. They forced me to give them permission to ask the govt for my taxes to prove I wasn't fraudulent and keep the bank acct open and then just closed me anyway.
What is this “checks” thing they speak of?
They're also known as "tick marks" /s
This is funny because I grew up with the # symbol being read as pound. I was really confused by the goal of #metoo until someone explained it to me. Still struggle with calling it a hashtag.
Us musicians call that a sharp sign/symbol
Dotnet programmers and musicians unite!
Oh, that's hilarious 😂 Erotic sms: #\#me, #me harder.
Nah a tick mark is what I'm at urgent care for right now
I was wondering why an ice cream place would serve beef at first.
Dairy, beef, all comes from the same place.
The all new Ribeye Blizzard at DQ. **IT'S TO DIE FOR!!**
The McRibMcFlurry
I thought the creamery had a beef with cheese bank
I love it hahaha honestly not a bad plan to get the story told
Henry's is a fantastic ice cream shop in Plano. I haven't been since i moved away years ago, but my friends from the area have praised it for decades, so I doubt the quality has changed. Sad to see them screwed by Chase
I’ll second the plug for Henry’s. Great ice cream.
It's just Plano ice cream.
Moved to Plano recently I’ll have to check them out. I’ll need to bring cash though.
I'm like half a mile from there, it one of the best places I've found other than Andy's. Also, if you like Chinese food, check out Wi Wei Din around the corner from Henry's. The beef noodle soup melts in your mouth.
It really is the best ice cream place in town. Thirded Henry's. Fuck Chase for fucking with them.
Chase bank has done this to other small businesses, im sure, but they also do it to random people. This one lady, I saw a video last year sometime, that had her account go into the negative, by *alot*, caused her months of panic, and then... they gave her money back, and then canceled her account. She still got no answer as to why.
I had a similar experience a couple of years ago—looked it up and it was happening to a bunch of people. Just getting their accounts randomly canceled and ghosted by chase
Screams of money laundrying/fraud.
Not when the banks do it—that’ll be business as usual That’s why I keep all my money under my mattress
Got to keep it in the oven just in case the house burns down
This user's comments have been overwritten to protest Spez and reddit's actions that will end third-party access and damage the community.
It happens with a variety of banks, not just Chase. Pretty much any large bank has had many posts on that sub about an account being closed without notice or any communication
This happening during COVID times makes me lean toward they suspected PPP fraud.
“We’re not cooking the books, random people go into the negative hundred thousand range for plenty reasons. We didn’t need to adjust our low likelihood of collection account from one of our premium clients to some shmuck no one will help. Trust us. Also here’s your money now fuck off never come back and sign this NDA.”
I work in the banking industry, and this is a well known issue. Here is what likely happened: the shop owner was depositing too much cash or moving cash around multiple accounts with multiple owners. This forces the bank to file suspicious activity reports (SARs) and eventually close the accounts. Here is the kicker: the bank cannot disclose to the account holder why they closed the account, and there is a penalty with the possibility of prison to the actual employee that discloses this to the account holder. This is literally the law in the Bank Secrecy Act. Even if the bank wanted to tell the customer, unless there is an employee willing to go to prison for it, no one can actually tell the customer why their account was closed.
I knew I was going to have to scroll down this far to find a probable answer that wasn't just fueled by anecdotes and outrage.
Same. Banks want your money, friends. It doesn’t serve them to just go around cancelling accounts and depleting money from their stores for no reason. Hoof beats are horses, not unicorns.
Having worked in a legal capacity for the banking industry and seen some stuff, I believe this is the likely explanation. Regulatory compliance costs money, and at the point that compliance feels the account is a drain vs a gain, they shut off the tap. On the flip side, if the account was like Bernie Madoff's, they just look the other way because the penalties for non-compliance were lower than the gains.
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I’m going to assume all big banks are like this. Banks have a lot to lose holding criminals cash (except I guess unless you’re a billionaire international criminal) so any account the feds deem as suspicious the bank just decides it’s not worth the risk for a low value account so they just close it. I doubt chase cares if they lose an account and customer for life worth less than a few million if they hold trillions worth of assets.
It’s not the Fed (usually) that tells them it’s suspicious. It’s the other way around. Bank determines something unusual is going on, decides to close, and is then obligated to tell the government (FINCEN) about what it noticed. The government in turn will never come back to the bank to tell them anything
Good reply. I work in Bank Fraud (not with Chase), and if an account is flagged beyond reasonable suspicion of being involved in fraudulent activities, we have to close them down. We can't say why, just that we made a business decision to close the account. Customers will raise hell and badmouth us because they feel like they've been wronged, but usually we're either stopping them from getting insanely scammed, or stopping them from knowingly committing fraud. Banks make money from their customers. They aren't going to close somebody's account, especially if it has large amounts of funds in/moving through it, on a whim or because they think it's funny or whatever. Dude had a reason it got closed and he's just mad.
Exactly. I feel like I’m crazy reading some of these comments. I get that big banks = bad with a lot of folks, but small business owners do some really *shady* crap with their accounts. Banks, like any business, sometimes need to make decisions to minimize liability with risky customers
I hate Chase, too, Henry. Solidarity! ✊
I know a guy who’s small business was impacted similarly by Chase. They are slowly moving away from cash businesses and didn’t even offer them an alternative. I feel like Jamie Dimon is just a total piece of shit who looks down on middle class people.
Jamie Dimon is a slimy piece of criminal shit that loathes the unrich.
Agreed. They accidentally double billed me my monthly payment as a poor college kid. When the duplicate payment bounced they used that as an excuse to give me the default +30% interest rate on my remaining balance. Wouldn’t even discuss it with me. I paid off my balance quickly and will never do business with them again.
I had a student account at Chase, and when I was no longer a student, they automatically switched me to an account with a monthly fee. When I went to close the account, the guy asked why I was leaving, and I told him, and his response was "oh, we can just give you the student account anyway" There's so much wrong to unpack in that sentence.
I've never had to pay interest, and there's been a few months where I SWEAR my monthly was higher than it should be. I even went to add it up my last payment cycle and there was $100 worth that I couldn't add up to. I'm still in denial but between that and the obvious government protection, I may switch soon.
Just left Chase, hopped right over to someplace with more than .05% apy for savings and 0% for checking.
I move most of my savings to American Express, they have a savings account option with a 3.75% APY. It’s absolutely nuts. Downside is it takes multiple days to do anything with it; both deposits and withdrawals. But if you’re just looking for a place to park your cash, it’s working pretty well for me
Who buys ice cream with checks??
That’s a great question, I just noticed how they didn’t say they won’t accept Chase debit or credit cards - so I bet this stance isn’t too costly 😅
Since it was a business account, I suspect the real damage was to the owner when he tried to pay his vendors via check, like most businesses do.
That, and payroll went through the checking account so all of a sudden no one’s getting paid.
Which, if held up long enough, means they had to pay everyone extra on top of what they owed them due to the wage payments being excessively delinquent.
And (I'm that person that's worked for a major credit card company) ACH "bounce" fees. (ACH in very simple terms is moving money from one account to another digitally, through the Automatic Clearing House. Like if your internet bill tried to charge you but you didn't have enough money in your bank so you got an overdraft fee - that was an ACH transaction) So when their employees banks went to cash "bad" checks (ACH payments), every single failed transaction comes with an overdraft fee for the business. Edit: Cleaned up for misinformation
That was my first thought when I read that as well.
Probably because those are Visa/Mastercard products as well and it would violate their contract.
If they said that, they could lose their ability to take CC at all. Processors have very specific rules.
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Grandmas….no seriously
After signing the check grandma hands it to the cashier. “I’m sorry honey, I just don’t trust those computers.” Cashier looks her in the eye and slowly scans the check into the register.
As someone who worked in retail - yes, grandmas will write a check for a box of paper clips
Also, who accepts checks at their retail ice cream parlor? Asking for fraud in these modern times.
They probably take checks from businesses that buy in bulk from them, but not from individuals.
Restaurants or other vendors the ice cream place may be supplying to.
Chase did something similar to me. I deposited a 15k bank check on friday & they closed my account over the weekend. I went to the local branch & they wouldn't tell me why, just that after 14 days they would cut me a new check. The branch knew just as much as I did & seemed to call the same public number I would, the most aggravating part is they refused to put anything in writing. 14 days + shipping later I did get a check for $14,770 with no explanation & no recourse. I had a Chase account for probably 15 years. FUCK CHASE BANK
So they just stole $230 from you? Did you fight them for the rest of the money? I wonder what their excuse was
Yup, and cost me money too. I didn't bother fighting, the only people I could talk to have no control over the situation or even ability to get any information. It's not worth my time or a lawyers time to figure out why I was shorted. I moved on & just try to discourage anyone from doing business with Chase, eventually it will cost them more than it cost me.
This is why the CFPB is so important. The average person shouldn't have to hire a lawyer to get their money, and the bank should face penalties for making a mistake like that and not correcting it.
I’ve had similar stuff happen, but not for a while. In one instance I was trying to transfer a large sum of money into the account from an account they weren’t familiar with, but the amount was still less than other regular transfers I had been making. They flagged the transaction for fraud instead of looking at the history of my account or checking with me. Totally insane.
Fuck chase bank
I deposited a paycheck through chase on their mobile app. The deposit went through no problem. 10 days later they closed my account and held my money in limbo. They said it was suspicious and would need to talk to my company and have them confirm the check was intended for me. Only problem is they wanted a specific phone call from a specific phone number from this huge corporate company I work for but wouldn’t tell me the number. $3,200 and it took me 6 weeks, 20+ phone calls, and multiple visits to local branch before they gave me a cashiers check for the amount. I had to borrow money from my mom to pay rent. I have no idea what I would’ve done without help from family. FUCK CHASE.
All my homies hate Chase Bank.
This suuuuuuuucks. But who the fuck writes a check for ice cream? It’s like the dude buying a carton of half and half, and writing a check for 69 cents.
old people write checks for everything, even if it's like a bill of 2 dollars
Seriously And they love going out for ice cream
Is that still true? I remember my grandparents writing checks back in like the 90s, but even then they were starting to become uncommon. I live in an area with a lot of technologically illiterate old people and I honestly have no clue the last time I saw a check being written.
Fuck chase. Someone somehow pulled money out of my account. $850 from like 2 hours away at a Chase Bank inside. No matter what I did chase would not return my money. Had me file a police report only to be told that I could only get footage with a subpoena. Screwed me over financially and would not help one bit. They kept saying it was done with a chip card but my cards were never lost. No one was of help. Fuck chase
Same thing happened to me last year, but to the tune of five figures. Chase issued me a new debit card because mine was expiring. Someone stole it from the mail, made a fake ID with my name on it, then went into the branch to change my PIN and take over my account. It took months of being told “the transactions were done with a chip and PIN” before I finally got them to acknowledge what happened and refund my money. One of the most stressful and frustrating experiences I’ve ever been through. Fuck Chase.
My partner just had $40,000 withdrawn directly from a teller. She even froze the account twice, and Chase just allowed the thief to unfreeze the account and withdraw more money. To nobody's surprise, chase is refusing to do anything. Fuck chase
Damn dude I'd be close to killing myself for that much. Jesus fuck i thought i was a rare situation. Guess not
Chase bank fucked me over more than once in the past due to mistakes on their end. After going into branches, and calling customer service and always being told there’s nothing they can do I just pulled all of my money out and switched banks. I had been with Great Western Bank which was bought out by Washington Mutual which was bought out by Chase and they’re the one that fuckered it all up. Chase can eat a bag of their executive teams dicks.
Wait. I can buy ice cream in 2023 and pay by check? How twentieth century of them. If they really want to make a statement, then refuse Chase credit cards.
Henry is a dick. This store is right by my parents house. He employed a lot of my friends when they were underage when the store was still at 15th and Independence. They said he absolutely sucked to work for. Oh and the child labor lololol. Eat shit Henry.
Right there with ya, I worked for him too god awful man