No More PayPal and No More Ebay

Tried to Kill the PayPal account online… still had to contact them via phone. That account was locked out because the review process was still posted.

Got a nice lady on the phone that closed the account but even then she had to put me on hold a couple of times because the systems was fighting her about it.

While I was on the phone with PayPal, I was online with E-Bay killing that account.

You know, it occurred to me a while ago that I had a lot of internet accounts. In the case of PayPal and Ebay I used them so infrequently that I invariably had to look up the passwords and logins.

I don’t think they’ll be missed. If I find myself needing their rather questionable services again I’ll simply create new accounts.

Of course it is Friday the 13th… I’m having technology problems like you wouldn’t believe.

There is a cool breeze and a light rain which I’m enjoying.

 

PayPal #FAIL

 

Actually it’s not PayPal that’s the problem.

It’s our wondrous Federal Government. Also known as the Assholes in Congress.

Could these people be any more out of touch? 

Apparently as of April 2012 the Federal Morons, have mandated that all Money Service Businesses must have on file customer verification information. 

OK… I suppose that having a PayPal account fucking LINKED to your checking account and / or credit card accounts isn’t enough!

I guess I can kind of get it… My PayPal account is over a decade old. By this time if there was anything nefarious about my transactions I’m assuming that I’d already be in prison. But for the paltry 200 or 300 bucks that has EVER been in the PayPal Account the Government feels they have the right to know all about that money and whose using it.

Supposedly the new requirements for Identification are to prevent money laundering and terrorist activities.

I could see it if there were 10s or 100s of thousands of dollars going through the account on a monthly basis… that might be suspicious. But for the average person of an established account? Come on give it a rest!

But the real kicker is this…

PayPal, in order to comply with the FEDERAL Gestapo is demanding that I provide them with the following information either as a FAX or Emailed Scan  of my Social Security card, My drivers License, and A paper utility bill.

Do you see the problem here?

We have well known National Banks, Insurance Companies, and even the IRS, who cannot keep this kind of information from ending up on the internet.

Yet PayPal is asking that we make it EASIER for them to lose this information and set ourselves up for identity theft!

SAY WHAT? You have to be fucking kidding me! 

You’re actually saying that I should just hand this information over to a company that I barely have done business with. A company who will not service ALL Vendors. A company who allows their narrow version of morality to dictate which transactions they will process, and I’m supposed to do all of this OVER THE INTERNET and trust them? I’m supposed to believe that the information will not be distributed to criminals because after all we all know how trustworthy and secure the internet is.

BUZZZZZZ! 

I’m sorry that’s the wrong answer, but thank you so much for playing and here’s your lovely parting gift.

We emailed you a little while ago to ask for your help resolving an issue
with your account.

What’s the problem?

As of April, 2012, new Federal Regulations require Money Service
Businesses, such as PayPal, to verify the identity of a customer before we
can provide various services or product offerings. As a result, PayPal must
ensure we have collected and verified important data such as customer name,
address, date of birth, and national tax ID or social security number.
Because we were not able to fully confirm your identity based on your
current account information, we need to request additional supporting
documentation from you.

You will continue to have full access to your PayPal account, but until we
are able to confirm your identity, we may be unable to process certain
types of customer initiated requests such as adding funds to your PayPal
account.

According to their message above, there is another option. I can choose not to give them this information and simply not transfer any cash to my PayPal account.

BUT that’s not good enough… I’ve spoken with PayPal twice, informing them of my choice NOT to have cash sitting in their hands. Instead I’ve chosen to simply use them on rare occasion to facilitate a transaction with someone that may or may not be above board.

Yet I’m still getting emails like the one above, Thus far I haven’t gotten any phone calls but I’m sure that’s only a matter of time.

The way I see this… I’ve got three choices

1) Ignore them.

2) Give them the information. (Not Happening!)

3) Close the account and not do business with them.

I’m leaning to option #3. I’d prefer one less account ID and Password to keep track of anyway. My credit cards are pretty secure and I’m automatically protected in the event of fraud. So why do I need a PayPal account?

OH yeah… for Ebay… Which I don’t use either! Humm. Maybe I can lose Two un-necessary accounts!

 

The EDD Saga…

I started writing this yesterday, but I was way too worked up to be able to complete it.

The State of California denied my claim for a 2 week period. They were apparently really pissed off that I didn’t mail my claim on time.

This is typical of how California works.

Since I’m part of the group that has been working, contributing, paying my outrageously high taxes, and the outrageous car licensing fees I’m penalized because…

I told the truth!

I misplaced the freaking form. 

The EDD never answers their 800 number so I couldn’t even report that I’d misplaced the form or ask for a new one.

In retrospect I should have LIED my ass off. But I’m not wired that way. I don’t think to lie first. Well I guess when dealing with the State I need to get into the habit!

OK fine… California is upset… I was a horrible, rotten, fuckwad and deserve to be punished. And they want their pound of flesh. Whatever…

The real problem is this.

Their letter is ambiguous. It tells me I have the right to appeal their denial. OK! Whatever you mother fucking EDD assholes say!

But due to it’s ambiguity the letter could be interpreted to mean that now all future claims will be denied too.

UHHHH WHAT????!

Now I’m freaking out and PISSED off as all HELL!

See, I have a real problem with “official” documents that are ambiguous. I feel that any documentation should be simple and to the point. The reader should never have to wonder what was meant, what was intended, or if the information applies to them.

The fact that the EDD letter was subject to interpretation left me frustrated.

Am I screwed completely or just a little? What should I do now? How do I resolve this?

Add the fact you can’t get these assholes to answer their phones and… well the walls close in!

Suddenly I felt completely overwhelmed and that I had no recourse or clear instructions to follow. That leads to a deep anger that my brother and I call berserker rage.

This “berserker” probably worked very well in battles of old. It must have worked great when disputes were settled by the swing of a broadsword or a battle ax. Even as the weapons changed it still helped, it gives us unbelievable focus in a fight.

The kind of focus I’m talking about is physical in nature. It’s hunter / predatory  mostly visual and eye hand coordination.

The few physical altercations I’ve been in during my life I didn’t start… I can say with certainty that the    berserker element of my personality finished them. I was the one standing when it was over and people were usually more than a bit shocked at the outcome.

In this bureaucratic world there is no clear enemy. Without a target, the berserker is not particularly useful. In a world of bureaucrats, paper, rules, “not my job” attitudes, where with a keystroke your life can suddenly be made miserable, there is little use for the berserker.

Now, a survival adaptation thats served well for centuries has become a liability. Without a target, the rage that fuels a berserker has no place to go. With no outlet, the rage turns inward and prevents you from thinking calmly and rationally.

It’s a problem that I’m working on. I don’t want to lose the berserker, I just need to keep it reined in when dealing with bureaucrats.

Yesterday, I dropped the reins. As I’m pacing and yelling,

In steps my better half… Quoting Arthur Dent, “I’m English… I know how to queue.” (I was so proud…)

I responded… “I’m German… we invade and impose order.”

6 or 7 phone calls later…. all of them to local field offices instead of the useless 800 number California prints on all their documentation, and we have an answer.

My better half had to tease little bits of information out of these offices. Nothing useful was volunteered and it really was a matter of asking the right questions.

It turns out, I’m only losing the payment for the period in question. I’m supposed to be receiving some additional claim forms which should catch me up.

Why couldn’t that have been clearly written in their letter? Better yet how about including the forms WITH the letter? Then even though the letter itself was ambiguous I’d have been able to figure out what they meant.

During the phone calls we discovered that there are other options to report continued claims. Really?

Apparently, one can phone a claim in, or even use the internet. Both bits of information might have been nice to have. It would have prevented my ever ending up in this position in the first place.

It turns out the EDD website operates differently if you access it using a Mac vs. Windows. The difference is subtle and deadly.

If you use Windows, menu items are visible that are not visible when using a Mac. These menus link you to things like how to set up phone continued claims, how to set up internet continued claims, make information requests, you know… Minor details!

So the major crisis is, for the moment put to bed. The adrenaline rush from being so pissed off and a small sinus problem left me exhausted.

As I was intermittently napping on the couch I was thinking about how California Unemployment Insurance treats the folks that are collecting like we’re on the clock or something.

Folks… IT’S INSURANCE!

That means I’m making a claim, if the claim is valid (i.e. I’m unemployed) then pay me the money I’m due just like any other insurance policy. I don’t see why California sees fit to punish what are effectively it’s customers.

What I can say is this…

I’m angry. I plan to take my FULL measure of payments and benefits out of California and when I’m done I’ll decide my next move.

I’m thinking it’s time to find a new place to live, a new career, and take my earning potential somewhere else.