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fixed many paypal.md links to the extent possible; added atmos bank

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cyberMonk 2023-08-13 12:09:33 +02:00
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95
rap_sheets/paypal.md
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@ -9,41 +9,94 @@
* selling alcoholic beverages
* non-cigarette tobacco products or e-cigarettes
* prescription drugs/devices
* [adult material][antiporn]
* [adult material][antiporn-dead] (⚠💀)
1. Paypal is detrimental to **civil liberties**:
1. PayPal has a history [littered](https://en.wikipedia.org/wiki/PayPal#Criticism) with power-abusing payment blockades that are often politically motivated to benefit right-wing agendas. E.g.:
1. PayPal [froze accounts for left-wing journalists (Consortium News & MintPress)][frozemedia] apparently to hinder critics of Putin’s war in Ukraine.
1. PayPal [blocked Iraq War resisters](https://en.wikipedia.org/wiki/PayPal#Criticism).
1. PayPal [blocked Wikileaks](https://www.forbes.com/sites/andygreenberg/2010/12/07/visa-mastercard-move-to-choke-wikileaks).
1. PayPal [blocked](https://www.economist.com/europe/2015/05/13/boris-nemtsovs-parting-shot) an account intended to raise money for the distribution of Boris Nemtsov's report "Putin. War", which details Russia's intervention in Ukraine.
1. PayPal [blocks payments to VPN services](https://www.finder.com.au/paypal-starts-blocking-vpn-payments-what-should-you-do). This is a demonstration of nannying to micro-control people's spending. The bullying has a secondary impact: the user is refused access to a tool that secures their privacy. Moreover, a Tor relay operator was [permanently barred by Paypal](https://lists.torproject.org/pipermail/tor-relays/2021-March/019408.html) without warning and his assets seized for 180 days.
1. PayPal [blocked Wikileaks][wikileaksBlocked-ia].
1. PayPal [blocked][NemtsovBlocked-ia] an account intended to raise money for the distribution of Boris Nemtsov’s report "Putin. War", which details Russia's intervention in Ukraine.
1. PayPal [blocks payments to VPN services][vpnBlocked]. This is a demonstration of nannying to micro-control people's spending. The bullying has a secondary impact: the user is refused access to a tool that secures their privacy. Moreover, a Tor relay operator was [permanently barred by Paypal][permaBan] without warning and his assets seized for 180 days.
1. PayPal forces users to execute non-free software, according to a comment on fsf.org's donation page (where they ironically accept PayPal). This problem is considerable in light of how PayPal's partner (eBay) was [caught](http://web.archive.org/web/20200526092506/blog.nem.ec/2020/05/24/ebay-port-scanning) forcing its users to run javascript that does a port scan on the LAN, the results of which are sent back to eBay.
1. Paypal's greed **cheats people out of money** they're entitled to:
1. PayPal [declined](https://www.pcworld.com/article/2039940/paypal-denies-teenager-reward-for-finding-website-bug.html) to pay a reward offered in its [Bug Bounty Program](https://web.archive.org/web/hackerone.com/paypal) to a 17-year-old German student who had reported a cross-site scripting flaw on its site.
1. PayPal is often [reported][moneygrab] to simply take customers' money or deny them access as they [arbitrarily freeze](https://www.globes.co.il/news/article.aspx?did=1000998078) the accounts of [many people](https://mywifequitherjob.com/why-paypal-freezes-or-limits-accounts-and-how-to-prevent-this-from-happening-to-you).
1. PayPal [declined][fakeBugHunt] to pay a reward offered in its [Bug Bounty Program][bugBounty-ia] (⚠bad js) to a 17-year-old German student who had reported a cross-site scripting flaw on its site.
1. PayPal is often [reported][moneygrab-dead] (⚠💀) to simply take customers' money or deny them access as they [arbitrarily freeze](https://www.globes.co.il/news/article.aspx?did=1000998078) the accounts of [many people][manyFrozen] (⚠popup nags).
1. PayPal is detrimental to **consumer rights**:
1. PayPal [prohibits](https://www.paypal-community.com/t5/PayPal-Basics/paypal-and-VPN-problem/td-p/1353216) the use of VPNs. Instead of simply blocking VPNs, PayPal sneakily allows VPN users to login in order to discover who uses a VPN, ultimately to [suspend](https://old.reddit.com/r/VPN/comments/63t8kg/is_it_against_paypals_terms_to_use_a_vpn) accounts. The suspension is generally timed so that money becomes trapped on the account.
1. PayPal [prohibits][vpnProhibition] the use of VPNs. Instead of simply blocking VPNs, PayPal sneakily allows VPN users to login in order to discover who uses a VPN, ultimately to [suspend][vpnSuspensions] accounts. The suspension is generally timed so that money becomes trapped on the account.
1. There is a maximum two accounts policy, and every account is single currency. So frequent international road warriers face discrimination and must pay more currency conversion fees.
1. Hundreds of consumers complain about PayPal annually on the [Consumer Affairs website](https://www.consumeraffairs.com/online/paypal_02.html). By 2016, there were over 1200 complaints.
1. Staff becomes unreachable and website becomes inoperable when trying to [unfreeze](https://mirasee.com/blog/paypal) accounts.
1. PayPal algorithmically uses money laundering triggers that are so arbitrary that PayPal's customer service [don't know themselves](https://www.computerweekly.com/blog/Cliff-Sarans-Enterprise-blog/PayPal-money-laundering-nonsense) why accounts get frozen.
1. If you register again after previously closing your account, you [cannot](https://www.paypal-community.com/t5/My-Money/HOW-TO-DE-LINK-CARD-FROM-CLOSED-ACCOUNT-AND-LINK-IT-TO-NEW-ONE/td-p/1641244) add your credit card number because the number is permanently tied to previous closed account.
1. PayPal neglects to adhere to **banking regulations** by [claiming](https://web.archive.org/web/www.cnet.com/news/feds-paypal-not-a-bank) PayPal is not a bank.
1. Hundreds of consumers complain about PayPal annually on the [Consumer Affairs website][complaints]. By 2016, there were over 1200 complaints.
1. Staff becomes unreachable and website becomes inoperable when trying to [unfreeze][unfreezeIncompetence] accounts.
1. PayPal algorithmically uses money laundering triggers that are so arbitrary that PayPal's customer service [don't know themselves][algoIncompetence-ia] why accounts get frozen.
1. If you register again after previously closing your account, you [cannot][reregFail] add your credit card number because the number is permanently tied to previous closed account.
1. PayPal neglects to adhere to **banking regulations** by [claiming][notABank-ia] PayPal is not a bank.
1. PayPal [underreported][bankingpractices] their **carbon footprint** by 5,512%!
1. PayPal forces merchants to agree to facilitate [scraping][scrapesyou] by PayPal to probe ToS.
1. PayPal subjects users to [swindles][ppswindle].
1. PayPal forces merchants to agree to facilitate [scraping][scrapesyou-dead] (⚠💀) by PayPal to probe ToS.
1. PayPal subjects users to [swindles][ppswindle-ia].
1. PayPal created a “friends and family” mechanism which [exposes][friendsandfamily] customers to the threat of swindles and weasel-worded the terms of service to duck responsibility for defrauded customers.
# Legend
⚠💀 ← Dead link indicator. Apologies for those. Three links cited status from user “extinct” on Mastodon node “redroo.ml”. That node went down. If anyone knows how to find copies of posts in federated timelines or can track down that user, it would be helpful.
[//]: # (alternative to PayPal: Stripe API. This should be mentioned on a payment processor comparison page if we create one)
[//]: # (www.cnet.com uses the CF DNS which enables it to quickly proxy via CF, We're not going to babysit which IP range is pointed to, so the link is via the Wayback Machine)
[//]: # (CloudFlare hosts related to links herein: blog.consumeraffairs.com, shop.economist.com, store.forbes.com)
[//]: # (to do: paypal breaches: https://carnegieendowment.org/specialprojects/protectingfinancialstability/timeline)
[frozemedia]: <https://www.massnews.com/paypal-seizes-alternative-media-sites-money-analysis/>
[frozemedia]: <https://www.massnews.com/paypal-seizes-alternative-media-sites-money-analysis>
[frozemedia-ia]: <http://web.archive.org/web/20230603175215/www.massnews.com/paypal-seizes-alternative-media-sites-money-analysis>
[bankingpractices]: <https://static1.squarespace.com/static/6281708e8ff18c23842b1d0b/t/6283204b3556a5125ce13b37/1652760661661/The+Carbon+Bankroll+Report+%285-17-2022%29.pdf>
[bankingpractices-ia]: <http://web.archive.org/web/20230523060733/static1.squarespace.com/static/6281708e8ff18c23842b1d0b/t/6283204b3556a5125ce13b37/1652760661661/The+Carbon+Bankroll+Report+(5-17-2022).pdf>
[antiporn-dead]: <https://redroo.ml/@extinct/108829838705907869>
[moneygrab-dead]: <https://redroo.ml/@extinct/108829434386993012>
[scrapesyou-dead]: <https://redroo.ml/@extinct/108829411496195433>
[ppswindle-dead]: <https://freeradical.zone/@Whiskerkenbrook/109468625739091649>
[ppswindle-ia]: <http://web.archive.org/web/20221210231104/freeradical.zone/@Whiskerkenbrook/109468625739091649>
[friendsandfamily]: <https://mastodon.social/@KatM/110203175529009174>
[friendsandfamily-ia]: <http://web.archive.org/web/20230415164846/mastodon.social/@KatM/110203175529009174>
[wikileaksBlocked-forbes]: <https://www.forbes.com/sites/andygreenberg/2010/12/07/visa-mastercard-move-to-choke-wikileaks>
[wikileaksBlocked-ia]: <http://web.archive.org/web/20230524124146/www.forbes.com/sites/andygreenberg/2010/12/07/visa-mastercard-move-to-choke-wikileaks>
[NemtsovBlocked-cf]: <https://www.economist.com/europe/2015/05/13/boris-nemtsovs-parting-shot>
[NemtsovBlocked-ia]: <http://web.archive.org/web/20230726004255/www.economist.com/europe/2015/05/13/boris-nemtsovs-parting-shot>
[permaBan]: <https://lists.torproject.org/pipermail/tor-relays/2021-March/019408.html>
[permaBan-ia]: <http://web.archive.org/web/20221021162308/https://lists.torproject.org/pipermail/tor-relays/2021-March/019408.html>
[vpnBlocked]: <https://www.finder.com.au/paypal-starts-blocking-vpn-payments-what-should-you-do>
[vpnBlocked-ia]: <http://web.archive.org/web/20220830085453/www.finder.com.au/paypal-starts-blocking-vpn-payments-what-should-you-do>
[manyFrozen]: <https://mywifequitherjob.com/why-paypal-freezes-or-limits-accounts-and-how-to-prevent-this-from-happening-to-you>
[manyFrozen-ia]: <http://web.archive.org/web/20230601163130/mywifequitherjob.com/why-paypal-freezes-or-limits-accounts-and-how-to-prevent-this-from-happening-to-you>
[fakeBugHunt]: <https://www.pcworld.com/article/2039940/paypal-denies-teenager-reward-for-finding-website-bug.html>
[fakeBugHunt]: <http://web.archive.org/web/20230404180740/www.pcworld.com/article/452079/paypal-denies-teenager-reward-for-finding-website-bug.html>
[bugBounty-cf]: <https://hackerone.com/paypal>
[bugBounty-ia]: <https://web.archive.org/web/20230618164401/hackerone.com/paypal>
[vpnProhibition]: <https://www.paypal-community.com/t5/PayPal-Basics/paypal-and-VPN-problem/td-p/1353216>
[vpnProhibition-ia]: <http://web.archive.org/web/20230813094012/www.paypal-community.com/t5/Managing-Account-Archives/paypal-and-VPN-problem/td-p/1353216>
[vpnSuspensions]: <https://old.reddit.com/r/VPN/comments/63t8kg/is_it_against_paypals_terms_to_use_a_vpn>
[vpnSuspensions-ia]: <http://web.archive.org/web/20230607031444/old.reddit.com/r/VPN/comments/63t8kg/is_it_against_paypals_terms_to_use_a_vpn>
[complaints]: <https://www.consumeraffairs.com/online/paypal_02.html>
[complaints-ia]: <http://web.archive.org/web/20230404143726/www.consumeraffairs.com/online/paypal-us.html>
[unfreezeIncompetence]: <https://mirasee.com/blog/paypal>
[unfreezeIncompetence-ia]: <http://web.archive.org/web/20221005084754/mirasee.com/blog/paypal>
[algoIncompetence-cf]: <https://www.computerweekly.com/blog/Cliff-Sarans-Enterprise-blog/PayPal-money-laundering-nonsense>
[algoIncompetence-ia]: <http://web.archive.org/web/20221004100615/www.computerweekly.com/blog/Cliff-Sarans-Enterprise-blog/PayPal-money-laundering-nonsense>
[reregFail]: <https://www.paypal-community.com/t5/My-Money/HOW-TO-DE-LINK-CARD-FROM-CLOSED-ACCOUNT-AND-LINK-IT-TO-NEW-ONE/td-p/1641244>
[reregFail-ia]: <http://web.archive.org/web/20220914162909/www.paypal-community.com/t5/My-Money-Archives/HOW-TO-DE-LINK-CARD-FROM-CLOSED-ACCOUNT-AND-LINK-IT-TO-NEW-ONE/td-p/1641244>
[notABank-ia]: <http://web.archive.org/web/20221013001238/www.cnet.com/tech/tech-industry/feds-paypal-not-a-bank>
[bankingpractices]: https://static1.squarespace.com/static/6281708e8ff18c23842b1d0b/t/6283204b3556a5125ce13b37/1652760661661/The+Carbon+Bankroll+Report+%285-17-2022%29.pdf
[antiporn]: <https://redroo.ml/@extinct/108829838705907869>
[moneygrab]: <https://redroo.ml/@extinct/108829434386993012>
[scrapesyou]: <https://redroo.ml/@extinct/108829411496195433>
[ppswindle]: <https://freeradical.zone/@Whiskerkenbrook/109468625739091649>
[friendsandfamily]: https://mastodon.social/@KatM/110203175529009174

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usa_banks.md
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@ -81,9 +81,12 @@ that cannot be avoided.
| ***Financial institution*** | ***Values-based network*** | ***Locations*** | ***Notes*** |
|--|--|--|--|
| [ATMOS](https://www.joinatmos.com) | [B Corp](https://www.bcorporation.net/en-us/find-a-b-corp/company/atmos-financial-pbc) || Environment focused despite using Amazon for web hosting. More investigation needed but perhaps they should be gray-listed for Amazon patronage. Other anti-features: Google Playstore patranage, all email passes through Google servers and customers cannot opt-out of email. They also impose JavaScript from Cloudflare on users. |
| [First Boulevard](https://bankblvd.com) || online-only | This bank is not yet open for business. Its focused on shrinking the racial wealth gap and has partnered with Visa to offer crypto-trading capabilities. Note that involvement with Visa is cause for concern, as Visa is the most aggressive proponent of the unethical war on cash. It also appears they may be strictly mobile, which likely means forced use of Google Playstore. First Boulevard is not a bank - banking outsourced to Central Bank of Kansas City. |
| [Native American Bank](https://nativeamericanbank.com) | [CDFI](https://www.cdfifund.gov/sites/cdfi/files/2020-11/cdfi-cert-list-10-14-2020-final.xlsx) | Colorado & Montana | They plan to become available nationwide. Looks like no fee schedule is published. They say their "primary mission is to assist Native American and Alaskan Native individuals", but Alaskans seem to be [ineligible](https://nativeamericanbank.com/open-account). |
The scope of this page is US banks. Some ethical European banks are listed by [FEBEA](https://febea.org/map/node) and [GABV](http://gabv.org/the-community/find-members) covers the world.
Dr. Cranor at Carnagie Mellon [studied](https://www.vice.com/en/article/9a3nbp/carnegie-melons-bank-privacy-tool-exposes-too-often-opaque-sharing-policies) the level of privacy respect of over 6000 US banks. The best of those banks will perhaps be incorporated here in the future.
Dr. Cranor at Carnagie Mellon [studied](https://www.vice.com/en/article/9a3nbp/carnegie-melons-bank-privacy-tool-exposes-too-often-opaque-sharing-policies) the level of privacy respect of over 6000 US banks. The best of those banks will perhaps be incorporated here in the future. But note that Dr. Cranor’s research is narrowly focused on privacy policies. Dr. Cranor is withholding the source code used in her research despite stating the contrary. The ACM journal article contains phony links and a link to a zip file with missing source code. The source code might be useful in a broader effort to assess privacy beyond just policy.
B Corp warning: B Corp is essentially a deadbeat organization. They are non-responsive to issues raised about falsely positioned corporations carrying their certification. So it’s unwise to blindly trust the “B Corp” label.