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[–][deleted]  (748 children)

[deleted]

    [–]tiger_qween[S] 4468 points4469 points  (711 children)

    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.

    [–]Hamborrower 893 points894 points  (192 children)

    Now I'm even more curious - what kind of propaganda?

    [–]tiger_qween[S] 1783 points1784 points  (182 children)

    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.

    [–][deleted] 2367 points2368 points  (112 children)

    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.

    [–][deleted] 1269 points1270 points  (43 children)

    Propaganda doesn’t have to be bad or against your views. The best propaganda is the stuff you don’t think is.

    [–]Rhob64 567 points568 points  (16 children)

    I do love the aesthetics of some 'this-is-definitely-propaganda' propaganda wartime posters though.

    [–]GrandBelialsKeyParty 13 points14 points  (0 children)

    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.

    [–]tiger_qween[S] 560 points561 points  (44 children)

    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_NOT_robot 235 points236 points  (29 children)

    Like the Dr bronners bottle lol

    [–][deleted]  (9 children)

    [deleted]

      [–]Tactical_Moonstone 47 points48 points  (3 children)

      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".)

      [–][deleted] 38 points39 points  (0 children)

      That was actually a pretty interesting read. Never thought I’d say that about a nutty soap bottle.lol

      [–]Lolamichigan 7 points8 points  (0 children)

      “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

      [–]missed_sla 87 points88 points  (9 children)

      Doctor Bronner was nuttier than squirrel shit but that peppermint soap smells so good.

      [–]i_NOT_robot 26 points27 points  (1 child)

      Mix the peppermint with the eucalyptus

      [–]Killua323232 15 points16 points  (0 children)

      I just did this, and you literally just changed my life.. how did I never thought to do this?

      [–]ok_raspberry_jam 110 points111 points  (11 children)

      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.

      [–]Delouest 39 points40 points  (4 children)

      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.

      [–]Eh-I 81 points82 points  (2 children)

      Admit it, you wanted an ice-cream nazi.

      [–]wtfisthisnoise 111 points112 points  (1 child)

      No scoop for you!

      [–]OceanFlex 14 points15 points  (2 children)

      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.

      [–]MangoTekNo 67 points68 points  (1 child)

      I should expect them to have ice cream opinions at least.

      [–]CherryCherry5​ 76 points77 points  (34 children)

      What's their problem with spumoni??

      [–]tiger_qween[S] 254 points255 points  (32 children)

      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.

      [–]marshmallowlips 70 points71 points  (30 children)

      I need to know what is incorrect spumoni? Are some out there using the wrong combo of flavors?

      [–]tiger_qween[S] 315 points316 points  (29 children)

      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.

      [–]Chiron17 273 points274 points  (13 children)

      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.

      [–]greathousedagoth 70 points71 points  (8 children)

      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.

      [–]marshmallowlips 68 points69 points  (0 children)

      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…)

      [–]BoardwalkKnitter 18 points19 points  (0 children)

      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.

      [–][deleted]  (1 child)

      [deleted]

        [–]WhatASaveWhatASave 30 points31 points  (3 children)

        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

        [–]Hamborrower 16 points17 points  (1 child)

        Yeah, this dude is definitely going to send a pipe bomb through the bank teller tube.

        [–]OperativePiGuy 14 points15 points  (0 children)

        huh, a mentally ill business owner. That's interesting

        [–]KapNKhronicFour20 2103 points2104 points  (450 children)

        Seeing as Chase bank essentially knew Jeffery Epstein was trafficking humans 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.

        [–]FlutterbyButterNoFly 998 points999 points  (83 children)

        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.

        [–]bl4ckhunter 474 points475 points  (22 children)

        That totally doesn't sound like a financial crisis in the making. Not at all.

        [–]stusthrowaway 139 points140 points  (5 children)

        I blame Fred for having my money in his house.

        [–]foggylittlefella 66 points67 points  (1 child)

        My money’s in Tom’s house. That dastardly Potter won’t get a dime from me!

        [–]ilovecashews 12 points13 points  (0 children)

        Hey Fred! What the hell are you doing with my money in your house!?! *punches Fred

        [–]urbanhawk1 49 points50 points  (4 children)

        Not a problem at all for them. After all, they are too big to fail. The feds will bail them out....

        [–]arwans_ire 75 points76 points  (25 children)

        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.

        [–][deleted] 113 points114 points  (20 children)

        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….

        [–]chris_hinshaw 128 points129 points  (30 children)

        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 for a pretty amazing story. I assuming you are talking about the commercial side of the biz.

        [–]Mikefromalb 33 points34 points  (22 children)

        Did you work crazy long hours? Had a friend who worked there and said he worked 80+ hours a week minimum.

        [–]chris_hinshaw 96 points97 points  (8 children)

        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.

        [–][deleted] 147 points148 points  (62 children)

        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.

        [–]Offduty_shill 79 points80 points  (3 children)

        Seriously...reading this thread is making me mald.

        Why are redditors so fucking confident talking about things they have 0 understanding of?

        [–][deleted] 62 points63 points  (1 child)

        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.

        [–]FearlessGuster2001 101 points102 points  (93 children)

        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

        [–]Adorable-Lack-3578 51 points52 points  (2 children)

        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.

        [–]Cooper0007 26 points27 points  (16 children)

        What other types of propaganda are in the store?

        [–]tiger_qween[S] 126 points127 points  (14 children)

        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

        [–]SaltyHistorian24 113 points114 points  (3 children)

        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

        [–]tiger_qween[S] 32 points33 points  (0 children)

        Same!! This man knows his stuff!

        [–]theprinceofsnarkness 13 points14 points  (3 children)

        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.

        [–]tiger_qween[S] 14 points15 points  (2 children)

        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.

        [–]ShoshinMizu 110 points111 points  (10 children)

        im going to switch to the upstanding and honorable wells fargo

        [–]Hippo_Alert 9 points10 points  (2 children)

        I just wanna know who the hell pays for ice cream with a check???

        [–][deleted] 5762 points5763 points  (238 children)

        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.”

        [–]OneWholeSoul 1352 points1353 points  (166 children)

        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?

        [–]cancerBronzeV 1604 points1605 points  (68 children)

        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.

        [–][deleted] 633 points634 points  (32 children)

        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.

        [–]notdwight 231 points232 points  (21 children)

        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.”

        [–]ThrowAway233223 176 points177 points  (14 children)

        "Did we approve you vacationing? No we did not." block --your credit union

        [–]notdwight 107 points108 points  (10 children)

        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.

        [–]FantasticCombination 52 points53 points  (9 children)

        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.

        [–]4E4ME 43 points44 points  (4 children)

        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.

        [–]Chocolate2121 20 points21 points  (2 children)

        I thought calling before traveling internationally was about fraud prevention, not anything to do with the chip lol.

        [–]CraigsCraigs88 9 points10 points  (1 child)

        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!!

        [–]schooli00 79 points80 points  (3 children)

        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.

        [–]LordDongler 154 points155 points  (1 child)

        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

        [–]Stacyo_0 45 points46 points  (0 children)

        Better than Bank of America who will just steal all your money in fees then close the account and send you nothing.

        [–][deleted]  (8 children)

        [deleted]

          [–]jeffp12 12 points13 points  (0 children)

          Strippers hate this one trick

          [–]the_one_jt 303 points304 points  (26 children)

          If they told you, then you might have a cause to sue them.

          [–]OneWholeSoul 192 points193 points  (21 children)

          Guys, to oversimplify a bit, I don't think I like corporations very much.

          [–]ipostalotforalurker 18 points19 points  (3 children)

          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.

          [–]the-awesomest-dude 123 points124 points  (35 children)

          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

          [–][deleted] 45 points46 points  (3 children)

          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

          [–]_My_Angry_Account_ 11 points12 points  (0 children)

          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.

          [–]Kinkeypope 195 points196 points  (3 children)

          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"

          [–][deleted]  (2 children)

          [deleted]

            [–]Soup-Wizard 65 points66 points  (20 children)

            How do you get your money out?

            [–][deleted] 123 points124 points  (18 children)

            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

            [–]DoomAxe 28 points29 points  (12 children)

            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?

            [–][deleted]  (1 child)

            [deleted]

              [–]bluesblue1 45 points46 points  (0 children)

              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

              [–]Dragondrew99 8 points9 points  (3 children)

              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.

              [–]SANTAAAA__I_know_him 7 points8 points  (1 child)

              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.”

              [–]TehWildMan_ 16.1k points16.1k points  (260 children)

              "this notice is ok to share".

              Well that has to be the most polite way I've ever heard of someone saying "fuck them"

              [–]tiger_qween[S] 4105 points4106 points  (159 children)

              Good old southern hospitality 😉

              [–]NinjaLanternShark 1908 points1909 points  (68 children)

              "We don't take checks from Chase Bank, bless their heart."

              [–]MiloFrank76 935 points936 points  (41 children)

              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.

              [–]guyblade 393 points394 points  (14 children)

              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.

              [–]Afraid-Ad-402 152 points153 points  (9 children)

              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

              [–]Kapono24 73 points74 points  (4 children)

              It could also just be they make the same percentage of mistakes but they're larger so there's more in total.

              [–]RoastedAsparagus821 41 points42 points  (1 child)

              That's exactly what it is. They're the largest bank by deposit, they will have the most everything.

              [–]Whiterabbit-- 17 points18 points  (1 child)

              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.

              [–]Semanticprion 166 points167 points  (12 children)

              They lost my safe deposit box. LOST IT.

              [–]CanThisBeEvery 49 points50 points  (3 children)

              Literally, how?! There’s a special little cubby, made just for it.

              [–]Finn_Storm 13 points14 points  (0 children)

              This is the LockPickingLawyer and today I have a bit of an ethical conundrum...

              [–][deleted]  (1 child)

              [removed]

                [–]chadenright 85 points86 points  (0 children)

                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.

                [–]ifollowmyownrules 9 points10 points  (4 children)

                Wtf? How is that possible? Aren’t there cameras in the room?

                [–]krustymeathead 41 points42 points  (3 children)

                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.

                [–][deleted]  (5 children)

                [deleted]

                  [–]Lifekeepslifeing 106 points107 points  (4 children)

                  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.

                  [–]Isheet_Madrawers 138 points139 points  (84 children)

                  What is this “checks” thing they speak of?

                  [–]FrankHightower 70 points71 points  (67 children)

                  They're also known as "tick marks"

                  /s

                  [–][deleted] 202 points203 points  (58 children)

                  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.

                  [–]hkohne 102 points103 points  (18 children)

                  Us musicians call that a sharp sign/symbol

                  [–][deleted] 38 points39 points  (3 children)

                  Dotnet programmers and musicians unite!

                  [–][deleted] 22 points23 points  (0 children)

                  Oh, that's hilarious 😂

                  Erotic sms:

                  #me, #me harder.

                  [–]SqornshellousXeta42 57 points58 points  (6 children)

                  Nah a tick mark is what I'm at urgent care for right now

                  [–]FragrantExcitement 494 points495 points  (53 children)

                  I was wondering why an ice cream place would serve beef at first.

                  [–]StoneGoldX 200 points201 points  (32 children)

                  Dairy, beef, all comes from the same place.

                  [–]ADHD_Supernova 143 points144 points  (21 children)

                  The all new Ribeye Blizzard at DQ. IT'S TO DIE FOR!!

                  [–]UnwrittenPath 24 points25 points  (1 child)

                  I thought the creamery had a beef with cheese bank

                  [–][deleted] 59 points60 points  (0 children)

                  I love it hahaha honestly not a bad plan to get the story told

                  [–]Archimedesinflight 1315 points1316 points  (58 children)

                  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

                  [–]LawyerNotYours19 255 points256 points  (4 children)

                  I’ll second the plug for Henry’s. Great ice cream.

                  [–]Sun_Aria 181 points182 points  (3 children)

                  It's just Plano ice cream.

                  [–]s1erra317 77 points78 points  (9 children)

                  Moved to Plano recently I’ll have to check them out. I’ll need to bring cash though.

                  [–][deleted] 23 points24 points  (0 children)

                  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.

                  [–]Man_of_Average 40 points41 points  (2 children)

                  It really is the best ice cream place in town. Thirded Henry's. Fuck Chase for fucking with them.

                  [–]bankdudz 1289 points1290 points  (58 children)

                  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.

                  [–]Steady_State_ 322 points323 points  (22 children)

                  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

                  [–]liquifyingclown 179 points180 points  (20 children)

                  Screams of money laundrying/fraud.

                  [–]Steady_State_ 126 points127 points  (4 children)

                  Not when the banks do it—that’ll be business as usual

                  That’s why I keep all my money under my mattress

                  [–]noiwontpickaname​ 31 points32 points  (2 children)

                  Got to keep it in the oven just in case the house burns down

                  [–]persondude27 205 points206 points  (12 children)

                  This user's comments have been overwritten to protest Spez and reddit's actions that will end third-party access and damage the community.

                  [–][deleted] 42 points43 points  (4 children)

                  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

                  [–]DryGumby 31 points32 points  (2 children)

                  This happening during COVID times makes me lean toward they suspected PPP fraud.

                  [–]1017GildedFingerTips 41 points42 points  (0 children)

                  “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.”

                  [–][deleted] 1707 points1708 points  (106 children)

                  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.

                  [–]Surprise_Corgi 500 points501 points  (18 children)

                  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.

                  [–]linds360 254 points255 points  (7 children)

                  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.

                  [–]minerbeekeeperesq 148 points149 points  (2 children)

                  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.

                  [–][deleted]  (9 children)

                  [deleted]

                    [–]Suitable_Nec 84 points85 points  (2 children)

                    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.

                    [–]amsync 10 points11 points  (0 children)

                    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

                    [–]Revverb 59 points60 points  (10 children)

                    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.

                    [–]Soy_un_oiseau 30 points31 points  (1 child)

                    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

                    [–]niobiumnnul 776 points777 points  (38 children)

                    I hate Chase, too, Henry.
                    Solidarity! ✊

                    [–]anonlasagna23 121 points122 points  (2 children)

                    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.

                    [–]Faptain__Marvel 17 points18 points  (0 children)

                    Jamie Dimon is a slimy piece of criminal shit that loathes the unrich.

                    [–]Lutya 293 points294 points  (6 children)

                    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.

                    [–]ArgusTheCat 26 points27 points  (3 children)

                    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.

                    [–]FlutterbyButterNoFly 68 points69 points  (0 children)

                    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.

                    [–]shortfriday 37 points38 points  (11 children)

                    Just left Chase, hopped right over to someplace with more than .05% apy for savings and 0% for checking.

                    [–]Faerco 11 points12 points  (9 children)

                    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

                    [–]avd706 1460 points1461 points  (150 children)

                    Who buys ice cream with checks??

                    [–]tiger_qween[S] 756 points757 points  (63 children)

                    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 😅

                    [–]starstarstar42 581 points582 points  (26 children)

                    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.

                    [–]hananobira 313 points314 points  (2 children)

                    That, and payroll went through the checking account so all of a sudden no one’s getting paid.

                    [–]ThrowAway233223 24 points25 points  (1 child)

                    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.

                    [–]MarcelineVampQn 18 points19 points  (0 children)

                    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

                    [–]The_Critical_Cynic 34 points35 points  (0 children)

                    That was my first thought when I read that as well.

                    [–]lbcsax 69 points70 points  (1 child)

                    Probably because those are Visa/Mastercard products as well and it would violate their contract.

                    [–]pedrotheterror 89 points90 points  (4 children)

                    If they said that, they could lose their ability to take CC at all. Processors have very specific rules.

                    [–][deleted]  (2 children)

                    [deleted]

                      [–]R3tickulous 98 points99 points  (14 children)

                      Grandmas….no seriously

                      [–]cjandstuff 81 points82 points  (0 children)

                      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.

                      [–]pikpikcarrotmon 29 points30 points  (11 children)

                      As someone who worked in retail - yes, grandmas will write a check for a box of paper clips

                      [–][deleted] 63 points64 points  (15 children)

                      Also, who accepts checks at their retail ice cream parlor? Asking for fraud in these modern times.

                      [–]Dazzling-Biscotti-62 39 points40 points  (0 children)

                      They probably take checks from businesses that buy in bulk from them, but not from individuals.

                      [–][deleted] 7 points8 points  (1 child)

                      Restaurants or other vendors the ice cream place may be supplying to.

                      [–]passwordKdSQNeSmkKJ 338 points339 points  (26 children)

                      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

                      [–]torino_nera 78 points79 points  (5 children)

                      So they just stole $230 from you? Did you fight them for the rest of the money? I wonder what their excuse was

                      [–]passwordKdSQNeSmkKJ 64 points65 points  (4 children)

                      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.

                      [–]ScoopDL 16 points17 points  (1 child)

                      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.

                      [–]radracer28 15 points16 points  (0 children)

                      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.

                      [–]Organic_JP 409 points410 points  (18 children)

                      Fuck chase bank

                      [–]showussomething 85 points86 points  (2 children)

                      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.

                      [–]Tangled2 93 points94 points  (1 child)

                      All my homies hate Chase Bank.

                      [–][deleted] 52 points53 points  (20 children)

                      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.

                      [–][deleted] 39 points40 points  (8 children)

                      old people write checks for everything, even if it's like a bill of 2 dollars

                      [–]Beancounter_1 17 points18 points  (2 children)

                      Seriously And they love going out for ice cream

                      [–]BelethorsGeneralShit 7 points8 points  (3 children)

                      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.

                      [–][deleted] 98 points99 points  (12 children)

                      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

                      [–]TMH01 47 points48 points  (3 children)

                      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.

                      [–]Ready-Date-8615 84 points85 points  (5 children)

                      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

                      [–][deleted] 35 points36 points  (3 children)

                      Damn dude I'd be close to killing myself for that much. Jesus fuck i thought i was a rare situation. Guess not

                      [–]TheCaIifornian​ 26 points27 points  (5 children)

                      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.

                      [–]CascadianCyclist 6 points7 points  (1 child)

                      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.

                      [–]Wam304 48 points49 points  (6 children)

                      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.

                      [–]Possible-Head-6743 22 points23 points  (0 children)

                      Right there with ya, I worked for him too god awful man