If you have comment spam on your blog (or "bad" keywords) your bank may close your account because their automated system is "thinking" that you are high risk customer

I am livid!!! They have had me on the phone close to an HOUR, hung up on me 4 times at this point and no one has told me a single thing. 

Monday morning bright and early I walk into my local branch office. I go to the office of the guy who opened my account. I tell him what has happened the day before and show him the letter that I got and asked him what was going on. He pulls up my account and it says restricted, and that he had to call in. He calls and they are giving him the same run around they gave me. When he finally has the chance to ask them about my account, they tell him….

“We really have no information. It looks like a computer program that scans accounts reported that hers looks like it violates our terms and conditions. She has an online business ( MyLitter blog) and it is an online GAMBLING site. We have to close her account.”

“WHAT??!!!! Are you kidding me?” I yell.

Tiffany Ivanovsky

Original story: Why I HATE Chase Bank – Account CLOSED! Common Sense is a thing of the past!

It looks like CHASE bank is using automated system that scans websites of their customers (and their relatives!) for certain keywords.

This "gambling" site has domain name with domain privacy (WHOIS privacy protection) turned off. So such automated systems can access the data and mine it (see data mining).

Banks are using sophisticated data mining tools that can link the identity of the account holder with domain names registered with their address and spouse name.

$ whois mylitter.com

Whois Server Version 2.0

Domain names in the .com and .net domains can now be registered
with many different competing registrars. Go to http://www.internic.net
for detailed information.

   Domain Name: MYLITTER.COM
   Registrar: GODADDY.COM, LLC
   Whois Server: whois.godaddy.com
   Referral URL: http://registrar.godaddy.com
   Name Server: NS.SOURCEDNS.COM
   Name Server: NS1.SOURCEDNS.COM
   Status: clientDeleteProhibited
   Status: clientRenewProhibited
   Status: clientTransferProhibited
   Status: clientUpdateProhibited
   Updated Date: 15-mar-2012
   Creation Date: 10-jun-2009
   Expiration Date: 10-jun-2014

>>> Last update of whois database: Wed, 18 Sep 2013 01:11:24 UTC <<<

NOTICE: The expiration date displayed in this record is the date the 
registrar's sponsorship of the domain name registration in the registry is 
currently set to expire. This date does not necessarily reflect the expiration 
date of the domain name registrant's agreement with the sponsoring 
registrar.  Users may consult the sponsoring registrar's Whois database to 
view the registrar's reported date of expiration for this registration.

TERMS OF USE: You are not authorized to access or query our Whois 
database through the use of electronic processes that are high-volume and 
automated except as reasonably necessary to register domain names or 
modify existing registrations; the Data in VeriSign Global Registry 
Services' ("VeriSign") Whois database is provided by VeriSign for 
information purposes only, and to assist persons in obtaining information 
about or related to a domain name registration record. VeriSign does not 
guarantee its accuracy. By submitting a Whois query, you agree to abide 
by the following terms of use: You agree that you may use this Data only 
for lawful purposes and that under no circumstances will you use this Data                                                                                          
to: (1) allow, enable, or otherwise support the transmission of mass                                                                                                
unsolicited, commercial advertising or solicitations via e-mail, telephone, 
or facsimile; or (2) enable high volume, automated, electronic processes 
that apply to VeriSign (or its computer systems). The compilation, 
repackaging, dissemination or other use of this Data is expressly 
prohibited without the prior written consent of VeriSign. You agree not to 
use electronic processes that are automated and high-volume to access or 
query the Whois database except as reasonably necessary to register 
domain names or modify existing registrations. VeriSign reserves the right 
to restrict your access to the Whois database in its sole discretion to ensure 
operational stability.  VeriSign may restrict or terminate your access to the 
Whois database for failure to abide by these terms of use. VeriSign 
reserves the right to modify these terms at any time. 

The Registry database contains ONLY .COM, .NET, .EDU domains and
Registrars.Domain Name: MYLITTER.COM
Registrar URL: http://www.godaddy.com
Updated Date: 2012-03-14 23:47:42
Creation Date: 2009-06-09 23:06:31
Registrar Expiration Date: 2014-06-09 23:06:31
Registrar: GoDaddy.com, LLC
Registrant Name: Paul Ivanovsky
Registrant Organization: 
Registrant Street: 123 Mobile Office
Registrant City: The Woodlands
Registrant State/Province: Texas
Registrant Postal Code: 77380
Registrant Country: United States
Admin Name: Paul Ivanovsky
Admin Organization: 
Admin Street: 123 Mobile Office
Admin City: The Woodlands
Admin State/Province: Texas
Admin Postal Code: 77380
Admin Country: United States
Admin Phone: (713) 208-5194
Admin Fax: 
Admin Email: pbivan@yahoo.com
Tech Name: Paul Ivanovsky
Tech Organization: 
Tech Street: 123 Mobile Office
Tech City: The Woodlands
Tech State/Province: Texas
Tech Postal Code: 77380
Tech Country: United States
Tech Phone: (713) 208-5194
Tech Fax: 
Tech Email: pbivan@yahoo.com
Name Server: NS.SOURCEDNS.COM
Name Server: NS1.SOURCEDNS.COM

The data contained in GoDaddy.com, LLC's WhoIs database,
while believed by the company to be reliable, is provided "as is"
with no guarantee or warranties regarding its accuracy.  This
information is provided for the sole purpose of assisting you
in obtaining information about domain name registration records.
Any use of this data for any other purpose is expressly forbidden without the prior written
permission of GoDaddy.com, LLC.  By submitting an inquiry,
you agree to these terms of usage and limitations of warranty.  In particular,
you agree not to use this data to allow, enable, or otherwise make possible,
dissemination or collection of this data, in part or in its entirety, for any
purpose, such as the transmission of unsolicited advertising and
and solicitations of any kind, including spam.  You further agree
not to use this data to enable high volume, automated or robotic electronic
processes designed to collect or compile this data for any purpose,
including mining this data for your own personal or commercial purposes. 

Please note: the registrant of the domain name is specified
in the "registrant" section.  In most cases, GoDaddy.com, LLC 
is not the registrant of domain names listed in this database.
Also banks know more about your genealogy than you:

“Tell me which property ____ Ivanovsky owned” then she names off 4 address on the west coast.

I say to her, “I have no idea who you are talking about.”

“You can’t answer the question?” she says.

“No, that is my last name, but I have no idea who that person is. How can I answer the question?” I reply.

Tiffany Ivanovsky

The person they were asking me for the property info on? Paul and I did some genealogy… it was his great, great, grandpa. Apparently at Chase you are expected to know the properties of your spouses great, great grandparents, or you are compromising your account.

Tiffany Ivanovsky

If you have comment spam on your website - be prepared for a bank account closure because you are high risk customer.

Here is more proof of my theory:

Also bank can close your bank account because their system thinks that you are selling illegal drugs (like amphetamines):

Be prepared for a bank account closure if you have the word "Bitcoin" on your website or you deal with Bitcoins.

How US citizens can circumvent the US banks' Bitcoin blockade

What is Bitcoin?

Comments

  1. Thanks for one's marvelous posting and it was something new to know.

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