Tuesday, March 27, 2012

Chase unemployment debit card ripoff is widespread

It turns out more than 40 states outsource their unemployment accounts to banks. JPMorgan Chase and Bank of America seem to be the largest providers;

Besides Alaska, Chase customers include at least Rhode Island, Tennessee, Illinois, New York, MIchigan, Louisiana, West Virginia and Texas.

According to RIFuture,org, Rhode Island outsourced these payments with no charges to the state if the bank was allowed to charge fees for their use. In addition to the fee for bill payments I discovered, at least in Rhode Island the bank was charging a 50-cent fee to check a balance, $1.50 to withdraw funds more than once a week and $3 for using a bank out of the system.

The State Senate in Rhode Island in February voted to have the governor review the fees Chase is charging.

According to Felix Salmon, who blogs for Reuters, states actually sell contracts to manage the accounts to the banks in exchange for letting them charge fees. He also reports that California, for instance, has hearned $7.7 million from Bank of America for handling such accounts since December 2010.

The Huffington Post first ran an article in November 2011 about these fees and how they are cutting into unemployment benefits. This was the most comprehensive article on the practice I could find.

What happens is the states are selling out their own citizens in order to make a few bucks and move some of the work out of their bureaucracies. And, Alaska is not alone in the practice. As stated in the beginning, at least 40 states are doing it. If you start multiplying the fees by the number of unemployed in 40 states, the banks are pulling in huge numbers, all of that money taken directly from those who can least afford it.

Here's another link published 1/31/13  Banks force jobless to pay needless fees

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Interesting quotations

· · "Religion was invented when the first con man met the first fool." – Mark Twain

· Shit happens; you just come up with a different plan. – Kitty

· Your body is not a temple. It's an amusement park. – Anthony Bourdain

· Never too late for a happy childhood – Berkley Breathed

· A real writer doesn't just want to write, a real writer has to write. – Internet meme

· The non-writing writer is a monster courting insanity. – Franz Kafka

· If the muse is late, start without her – Peter S. Beagle

· We never comprehend how heavy the things are we insist on carrying until we set them down. jd

· Substitute ‘damn’ every time you’re inclined to write ‘very;’ your editor will delete it and the writing will be just as it should be. ~Mark Twain Actually you could do the same thing with the word "really" as in "really cold."

· If you are looking for an experience that will temper your vanity, this is it. There's no one to impress when you're alone on the trap line. – Michael Carey quoting his father's journal

· Either write something worth reading or do something worth writing. – Benjamin Franklin

· It’s nervous work. The state you need to write in is the state that others are paying large sums of money to get rid of. – Shirley Hazzard

· So far as I can remember, there is not one word in the Gospels in praise of intelligence -- Bertrand Russell

· You know that I always just wanted to have a small ship to take stuff from a place that had a lot of that stuff to a place that did not have a lot of that stuff and so prosper.—Jackie Faber, “The Wake of the Lorelei Lee”

· If you attack the arguer instead of the argument, you lose both

· If an insurance company won’t pay for damages caused by an “act of God,” shouldn’t it then have to prove the existence of God? – I said that

· I used to think getting old was about vanity—but actually it’s about losing people you love. Getting wrinkles is trivial. – Eugene O’Neill

· German General to Swiss General: “You have only 500,000 men in your army; what would you do if I invaded with 1 million men?”

· Swiss General: “Well, I suppose every one of my soldiers would need to fire twice.”

· Writing is the only thing that when I do it, I don’t feel I should be doing something else.—Gloria Steinem

· Exceed your bandwidth—sign on the wall of the maintenance shop at the West Coast/Alaska Tsunami Warning Center

· One thing I do know, if you keep at it, you usually wind up getting something done.—Patricia Monaghan

· Do you want to know what kind of person makes the best reporter? I’ll tell you. A borderline sociopath. Someone smart, inquisitive, stubborn, disorganized, chaotic, and in a perpetual state of simmering rage at the failings of the world.—Brett Arends

· It is a very simple mind that only knows how to spell a word one way.—Andrew Jackson

· 3:30 is too late or too early to do anything—Rene Descartes

· Everything is okay when it’s 50-below as long as everything is okay. – an Alaskan in Tom Walker’s “The Seventymile Kid”

· You can have your own opinion but you can’t have your own science.—commenter arguing on a story about polar bears and global warming

· He looks at three ex wives as a good start—TV police drama

· Talkeetna: A friendly little drinking town with a climbing problem.—a handmade bumper sticker

· “You’re either into the wall or into the show”—Marco Andretti on giving it all to qualify last at the 2011 Indy 500

· Makeup is not for the faint of heart—the makeup guerrilla

· “I’m going to relax in a very adult manner.”—Danica Patrick after sweating it out and qualifying half an hour before Andretti

· “Asking Congress to come back is like asking a mugger to come back because he forgot your wallet.”—a roundtable participant on Fox of all places

· As Republicans go further back in the conception process to define when life actually begins, I am beginning to think the eventual definition will be life begins in the beer I was drinking when I met her.—me again

· Hunting is a “critical element for the long-term conservation of wood bison.”—a state department of Fish and Game official explaining why the state would not go along with a federal plan to reintroduce wood bison in Alaska because the agreement did not specifically allow hunting

· Each day do something that won’t compute – anon

· I can’t belive I still have to protest this shit – a sign carriend by an elderly woman at an Occupy demonstration

· Many people hear voices when no one is there. Some of them are called mad and are shut up in rooms where they stared at walls all day. Others are called writers and they do pretty much the same thing. – Meg Chittenden

· Life should be a little nuts or else it’s just a bunch of Thursdays strung together—Kevin Costner as Beau Burroughs in “Rumor has it”

· You’re just a wanker whipping up fear —Irish President Michael D. Higgins to a tea party radio talk show host

· Being president doesn’t change who you are; it reveals who you are—Michelle Obama

Things sports announcers say

"They're gonna be in every game they play!"

Color guy: "First you have to get two strikes on the hitter before you get the strikeout." Play-by-play guy: "That's true."

"The game ended in the final seconds." You have to wonder when the others ended or are they still going on?

How is a team down by one touchdown before the half "totally demoralized?"

"If they score runs they will win."

"I think the matchup is what it is"

After a play a Houston defender was on his knees, his head on the ground and his hand underneath him appeared to clutch a very sensitive part of the male anatomy. He rolled onto his back and quickly removed his hand. (Remember the old Cosby routine "you cannot touch certain parts of your body?") Finally they helped the guy to the sideline and then the replay was shown. In it the guy clearly took a hard knee between his thighs. As this was being shown, one of the announcers says, "It looks like he hurt his shoulder." The other agrees and then they both talk about how serious a shoulder injury can be. Were we watching the same game?

"Somebody is going to be the quarterback or we're going to see a new quarterback."

"If you're gonna play running back in the SEC you're gonna take hits."

"That was a playmaker making a play."

Best headlines ever

Meerkat Expert Attacked Monkey Handler Over Love Affair With Llama Keeper

GOP congressman opposes gun control because gay marriage leads to bestiality

Owner of killer bear chokes to death on sex toy

Support for legalizing pot hits all-time high

Give me all your money or my penguin will explode

How zombie worms have sex in whale bones

Crocodile steals zoo worker's lawn mower

Woman shot by oven while trying to cook waffles

Nude beach blowjob jet ski fight leads to wife's death

Woman stabs husband with squirrel for not buying beer Christmas Eve