Coffee heat rising

Tales from the Crypt…uhm…the ’Hood

Now that was an entertaining dog walk!

Last night along about sunset, Cassie and I were headed homeward through the more upscale neighborhood to the west of us. It’s an area of old 1950s ranch houses, some of them very large, on large, irrigated lots: classic North Central. And as neighborhoods go, it’s seen better days.

The properties are tired, and a few need major, major fix-up. Some in fact have been purchased by affluent folks who want to live in a central location and who like large, grassy, shady lots in the center of the city. The houses lend themselves to upgrading, and because of their size and location, once a place has been spiffed up, it can be worth a lot. Values in the area hover in the $500,000 range.  Within steps, right around the corner are houses on the market for over a million dollars.

But. It’s mixed: some owners have been there for decades, and so a few places are a shade on the decrepit side.

In the middle of this small part of the ’hood is an old abandoned house, a place that must once have been a very nice property, indeed. It’s on a pie-shaped lot with a huge front yard, shaded by vast, once spectacular orchid trees. It’s been running down for years; of late it has been abandoned. The old guy who lived there alone disappeared — I assumed he’d been shipped off to the nursing home. The house is a real wreck.

So the hound and I are strolling past this pile when we come across a couple of the neighbors. I notice someone has hacked limbs off the overgrown trees and shrubbery in front and left the debris laying there, so I ask, while chatting, what’s the deal.

And from this chatty, chatty woman comes a story:

The house  is foreclosed, and it’s taken years to get that way.

The old guy was not the owner. He was living there rent-free and had been, for years. One day he just up and disappeared.

The owner himself was a tax protester, of the BAT-SH!T CRAZY variety. This guy carried one of those “sovereign citizen” cards around and proclaimed that the US gummint had no authority over him and therefore he did not owe it (that would be “us”) any taxes. He had his own bank in a DYI basement under the structure, where he would hide money. He gave out fake addresses — including a fake address for the house — so when revenooers and other creditors would come around looking for him, they couldn’t find the place. When last heard from, he hadn’t paid taxes — or lived in the house — in over 10 years.

In the attic, which you access by a trap door over the carport (rather common in these parts), there is a hidden closet. God only knows what’s in there. From that closet, you can access the interior of the house through another, hidden trap door.

Somebody recently bought the house out of bankruptcy, but they are apparently raving idiots. They hacked back the plants but have done nothing more, except they tried to get into the house through the attic. They failed to find the closet and so did not find the door into the house from the attic. So they took an ax and chopped their way through the ceiling.

The chatty lady with whom I was speaking, it develops, is a cat lady. She has eight cats that she allows to roam around the neighborhood, stinking up people’s yards and killing the wildlife. When it was observed that cats are very destructive and make a mess in the neighbors’ yards (yes…I did actually say that), she said oh, no, her kitties are good. Then she remarked that one had just killed a hummingbird. They also have several dogs, rabbits, chickens and the like. Her husband said they have 18 animals. Godlmighty.

She is enraged at one of the neighbors, who called an exterminator to remove a hive of Africanized bees that had taken up residence in the haunted house’s front yard. Just because they were swarming her koi pond, Chatty Lady thinks, was no excuse to murder all the little thangs.

He’s a retired lawyer. They’re graduates of Pomona and Claremont.

Heee! Money doesn’t buy good sense, eh?

Several of the places on the street where the haunted house stands have been fixed up handsomely. One of them was recently purchased by a young family with a cute young boy, who was playing outside when the dog and I strolled past. This is always good: more young families are moving in, and they’re exactly what an older neighborhood like this needs. The parents settle in and fix up the houses, and the young adults and their children are just grand to have around.

Heh. Betcha they don’t know they moved in next door to a level 2 sex offender.

That guy lives in another run-down house, right next door to the haunted manse. He appears to be living with his mother.

Across the street from him is yet another run-down house occupied by two young men and another elderly woman, presumably their mother. The gents have converted the carport into an automotive shop, and a fine mess that is, indeed! When you walk by at night, you can see into the front room and see that the interior of the house seems tidy and rather nice. But that garage! Lordie!!

Chatty Lady said one of the guys who lives there likes to work outside at two in the morning.

That’s good, I suppose. Keeps an eye on the sex offender, and also on the various wandering burglars who come through after dark.

The High Cost of Changing Your Life

Okay, so now that I’ve succeeded in losing 30 pounds, thereby dropping the blood pressure back into the more or less “normal” range, the celebrating is done and reality sets in.

This weight-loss glorioski is costing a lot of money. Videlicet: none of  my clothes fit anymore. And I mean none of them. Underwear included.

Costco sells chintzy little made-in-Asia women’s underpants cheaply enough. But their excuse for a bra? Definitely not worth the (low) price. And, I’d come to realize, now that I was skinny I didn’t even know what size I am now!

If I knew the size, I could order my favorite brand online. But I had no clue.

This meant…oh yes!

The sheer unadulterated horror of a shopping trip for bras!

The male contingent may not be aware of this, but the way most women figure out what size fits, in brassieres, is to go to a fairly upscale store that has a decent lingerie department and have a trained saleslady measure the bod’ and then to try on, with her supervision, a whole bunch of bras in different sizes. It is a “trying” experience in more ways than one. I hate it.

So, it was off to Saks, which carries the preferred brand and often puts it on sale.

Or so it once did. No more!

Saks has gutted its lingerie department. Not only do they no longer carry the pricey brand that is the only brand known to fit me, they no longer carry much of anything. They didn’t have the store’s only two, count’em TWO wire-free bras in the size the saleslady and I figured I would probably fit into.

Wire-free bras are now apparently pretty much a thing of the past.

I hate underwires even more than I hate shopping for bras. They are SO. Fucking. Uncomfortable!!!!!

Those things with the plastic Dixie-cup arrangements are now more ubiquitous than underwires. Hideous AND sofuckinguncomfortable!

HOW do women get bamboozled into wearing this stuff? Why??? What sadist in New York gets away with designing miserable crap like this? Nay, gets PAID to design it?

You should’ve seen the gawdawful high heels I saw on an expensive-looking woman in church this weekend, as long as we’re on the subject of sadistic design. One false step, and she’d break her ankle. And a false step was highly likely, since the poor creature could barely hobble around in the damn things.

Back on topic: The only other store in Biltmore Fashion Square – i.e., the only other upscale department store this side of Scottsdale – that carries the desired brand is Macy’s.

I hate shopping at Macy’s. And of all the departments I hate shopping in at Macy’s, I hate their lingerie department most.

Yes. They did have the coveted brand. After searching high and low, I could not find one single wireless bra in that brand. Or in any other brand. The saleslady was too busy yakking away with her friends about personal matters to be bothered to sell anything – she didn’t even notice a customer was there. Pretty typical Macy’s customer disservice, in my experience.

Biltmore Fashion Square hosts a bra shop. The last time I went there, the stupid saleswoman informed me that brassieres are supposed to be uncomfortable.

No joke. It really happened.

Well, I figured I could at least get measured, though I wasn’t planning to buy anything.

There I found a competent brassiere saleslady – she actually seemed to know what she was doing. This poor soul, about my age, was laid off her administrative job at a nonprofit and thrown out on the street to spend the rest of her life selling underwear (probably at minimum wage) to unhappy women forced to shop for bras. Lucky her.

Ah well. Gives the shopper some perspective: when the landscape starts to look like you’re arriving in Hell, there’s always someone else who’s deeper in Hell than you are.

This store, called Soma, is associated with Chico’s. True to Chico’s form, the saleslady immediately started asking a lot of nosy questions, demanding my name, address, phone number, date of birth(!), and e-mail address and promising a few pennies back on the sale if I would just reveal all my personal information. She was not pleased when I informed her that a) I do not give out my phone number or e-mail address to retailers and b) I do not shop at Chico’s because I don’t like being high-pressured by their aggressive sales staff. I’m sure she’d be even less pleased if she knew the address they had in their system was fake.

At any rate, she toned down the sales pitch a bit when she heard the business about how much I dislike being strong-armed at Chico’s and how much I hate their mirrors that distort your image to persuade you that you look better in their bizarrely sized rags than you really do.

Hilariously, she knew about the mirrors.

Moving on, she also finds all of two underwire-free bras in the entire store. And since of course all their stock comes from the same place Chico’s gets its stuff – points far east – no two models in the same size fit the same way. She ends up getting me into a 32A in one model and a 34C in another.

At the risk of repeating myself: No joke. It really happened.

Oh well. We did arrive at a reasonable consensus on the actual size, meaning that the next time I have some money (which at this rate will not be in our lifetime), I can order a Wacoal from Amazon.

Meanwhile, I bought the 32A and the 34C because they were less uncomfortable than most and because they both created the illusion that my boobs do not reside around my waistline. Good enough for government work. I suppose. One was reasonably priced; the other cost as much as a Wacoal, a bra whose manufacturers expect you to ransom your first-born to scare up the purchase price.

Eighty-five bucks plus damn near 10% tax for two bras, neither one of which is in the theoretical size.

More annoying than life, isn’t it?

This lifestyle change that’s supposed to be so good for me is shaping up to cost me a lot of money…

Image: Soutien des seine par une brassiere. 1900. Public domain.

 

Identity Theft Aftermath…arggghhhhh!

Or, one might say, gaaaaahhhhhhhhh!

“You may continue to hold, and a representative will be with you as soon as possible”…blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat …

Spent an hour chatting, in person, with the assistant manager at the credit union about the annoying community college district’s having blithely handed over every goddamn iota of my personal financial information to identity thieves. She knew whereof I spoke, in spades: incredibly, the District had sent her the same apocalyptic message I got, but she has never had anything to do with any of their colleges or with anything else related to their entity in her ENTIRE LIFE.

It begins to get hilarious.

Given the hard-copy message, whose credibility we cannot assess under the ridiculous circumstances, we decide that the most prudent course is to assume that the data has been hacked, rather than to take a chance on making the opposite assumption and regret it later. Since my accounts there only hold about 13 grand (the entire amount of my 2014 living expense needs), if money is siphoned off, then the CU (read “FDIC”) will cover it as long as I clue them within 60 days of an illegitimate transaction.

We confirm that it’s possible to create a new account for me within the credit union without my having to lift the security freezes now in place at all three major credit bureaus (Experian, Equifax, and TransUnion).

So, Assistant Manager Renée, a very nice lady and wondrously together, says that now that we’ve changed the account number, effectively closing my account and opening a new one in ONE swell foop, I need to call every merchant that engrosses money from my account automatically (that would be all the utility companies plus my long-term care insurer) and clue them to the new account number; and forthwith I must get ahold of Social Security and give them the new account number, since they deposit my Social Security payment digitally.

So first off I call Social Security. …blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat blat … “Your estimated time is…

1 hour and 15 minutes

Moving on…

City of Phoenix Water Services: “We’ll send you a form.”

Southwest Gas: “We’ll send you a form.”

Salt River Project (electricity provider): CSR takes routing and account info but has a difficult time understanding that the credit union will post this month’s bill even though there’s no way SRP can get its act together in time to apply the new account number to this month’s bill. He thinks I’ll have to pay this month’s bill with a check.

Metlife: HOLY mackerel! Straightaway I reach a human being and she has good sense. Or at least she seems to. She takes the new information and the old routing number and says all will proceed without a hitch. That’ll be the day, I think. Privately.

Cox is paid a set figure through bill-pay. I’ll have to go into the new account and reset the bill-pay info.

And as for the accursed community college district, which caused this whole mess and which has shared my bank account information with the entire fucking universe: I told them to send whatever further paychecks they emanate by snail-mail. You can be sure that outfit will never get its corporate paws on another bank account number of mine.

This will add a significant new layer of hassle, since depositing snail-mail checks is a major pain in the proverbial ass. But it’s one helluva lot less of a pain than the present endless series of hoop-jumps.

Tomorrow I’ll have to DRIVE TO THE GODDAMN SOCIAL SECURITY OFFICE, be sure my stupid little pen-knife is NOT in my purse, trudge in there, wait around for half an hour or more, and then try to make a face-to-face CSR understand a) what’s happened, and b) what needs to happen.

By and large, however, experience suggests the face-to-face CSRs are a lot smarter and a lot more knowledgeable than the phone representatives, who routinely dispense incorrect information. That notwithstanding, however, based on the outcomes of past exploits it is reasonable to expect that I will miss at least one Social Security payment and so within a few weeks will end up back at that office doing battle again.

ogodogodogodogod it’s not good to know too much

Mass-Produced Identity Theft

Hey. What’s a little identity theft when you can do it big-time? Why be a piker about it?

My beloved part-time, parsimonious employer, the Maricopa County Community College District, sent out a notice to a large number of its 8,000 employees and 2.4 million students to the effect that thanks to a couple of underpaid and under-competent IT workers in HR, a potentially vast amount of personal financial data has been breached. After dark on Friday evening, when of course it was too late for me to start calling financial institutions, I received a form letter from Chancellor Rufus Glasper reporting that “we determined that your…name, address, phone number, e-mail address, Social Security number, date of birth, financial and bank account information, certain demographical [sic] information, information related to your employment, education and training…may have been accessed.”

They’ve been emphasizing that this is a maybe situation.

But how did they find out about this? From the FBI, that’s how: last April, the feds found a website selling information kiped from the District’s HR records.

Did you catch that? Last April was seven months ago. They’ve known about a major data breach for seven months and are only just getting around to sharing this little tidbit of information.

So the only “maybe” about this is that “maybe” some of us will be able to protect ourselves by shutting down every bank and credit card account in our names and slapping iron bars around our credit bureau accounts.

They’ve hired some outfit called Kroll Advisory Solutions to do “continuous credit monitoring and enhanced identity theft consultation and restoration.” This company’s web page is inaccessible — apparently their servers have crashed, no doubt under the onslaught of tens of thousands of MCCD employees and students trying to get on. But when you call the phone number the District provided, the people you reach haven’t a clue. All they can tell you is that there “MAY” have been a breach. When asked exactly what their company does, they don’t have an answer. So that multimillion-dollar contract appears to be window dressing.

Holy cr@p.

Started making phone calls about 8:00 this morning and was on the phone — or on hold, or stumbling through interminable punch-a-button mazes — most of the day.

Fortunately, thanks to the PF blogging, I happened to have a number that would reach a human at Experian. It proved impossible to get past the robots at TransUnion and Equifax, but on the advice of Experian’s fraud expert, I managed to set up “security freezes” at all three credit bureaus.

A security freeze, as it was explained by to me, means that no credit reports can go out, no new credit cards can be opened, no nothin’ can happen without your going into the site, entering a PIN, and lifting the freeze, temporarily or permanently. This state of affairs can be left in place forever and aye, if you so please. Two of the credit bureaus gave me PINs over the phone, but one is sending it by snail-mail.

All Arizona college faculty and students are eligible to join my beloved credit union. Evidently every one of them was doing the same thing I was doing: frantically calling customer service. So, getting through by phone to a person there took over six hours. When I finally reached a CSR, she said they’re advising people to close their accounts and open new ones. That is going to create a monster hassle, since my bookkeeping includes a busy tangle of automatic deposits and payments. Including, of course, paycheck deposits from the college district.

I’ll be damned  if I want said district to have yet another bank account number for me. So tomorrow when I’m on the campus, I’m going over to HR and asking them to send my paychecks by snail-mail, thank you very much.

Off and on for the past couple of years, I’ve been thinking it would be good to move my money out of that credit union over to a different teachers’ credit union, which has a branch much nearer to my house. Right now every time I have to go up to my CU in person, it costs $3.00 to $3.60 in gasoline, since that branch is way to hell and gone out at the Great Desert University’s west campus, in a part of town where I have exactly zero other reason to venture. This other outfit’s branch is on my beaten path, making it possible to get banking chores done while I’m doing the grocery shopping.

Lacking all three credit-bureau PINs, though, that may not be possible. I sure don’t want to close the same bank accounts twice. So if I’m to move to a more conveniently located institution, I may have to wait on closing those accounts until after the third PIN shows up in the mail. Which, as usual, will be after dark.

This is infuriating. I don’t know what else to do… There doesn’t seem to be much else to do, other than bob around in the water like a sitting duck waiting for whatever’s coming to hit me upside the head. If ever there was good cause for a class action suit, this sure as hell is it.

If you have any other ideas for self-defense, lemme know.

Hey! Bosch Has Got REAL Service Reps!

And — get this! — Bosch service representatives actually answer the phone!

Readers Elissa and Jestjack remarked that they thought the dishwasher repairman I described yesterday — the one with the side gig where he peddles cut-rate appliances to his employer’s customers — sounded a shade on the sketchy side.

Well, come to think of it, so did I. And when I went online to try to learn more about the worn-out “impeller” he claimed was the problem ($350, + …maybe not worth it if he could come up with a new Bosch for $450 or $500), a great deal more suspicion was cast upon “Richard” and his line of bull.

A Google search with terms combining “impeller,” “Bosch,” and “dishwasher” in various creative ways comes up with next to nothing. The most intelligible post I could find on the subject claimed that if the “impeller” isn’t working, the washer won’t drain. But this washer drains just fine. Otherwise…scarcely a mention. Eventually it occurred to me to call the customer service number glued to the side of the dishwasher door, on the same tag that reveals the model and serial numbers.

So having remembered that customer service number in the middle of the night, by light of day I called Bosch and asked the owner of the male voice that answered if he could please tell me what an “impeller” is, what it looks like, and how the washer would behave if it’s not working.

He said, in short, “Huh?”

I explained that I thought a repairman was trying to scam me and recited the story.

He said, “Maybe the guy defines an ‘impeller’ differently than I do, but … take a look on the inside of the tub.”

“Yeah?” from inside the washer.

“See that pipe going up the back?” I’d have called it a small duct, but yup, I saw the pipe going up the back.

“The impeller is what pushes water from where the lower spray arm is, in the bottom of the tub, up  that pipe to the top spray arm, the one that’s attached to the upper rack. All it does is get water to the upper spray arm.”

“Uh huh…”

“What’s your washer doing? What’s wrong with it?”

I explain that it fills with water fine but then the wash cycle doesn’t kick in. He says probably the problem is the circulating pump, which is what causes the water to slosh around inside the machine to wash the dishes. A new one costs $138. Plus of course the cost of labor.

Bosch has one, count him, (1), authorized service man in this area. He says the guy will charge me $99 to walk in the door. I say I’ve already paid $90 to get a crook in the door but I don’t object to paying about the same to lure someone who’s not going to rip me off. He says Bosch will eat the “diagnostic charge” if I will pay the parts and labor. I remark that I have no objection to paying for the replacement part or for the guy’s work, since a man has to eat, after all.

In the course of conversation, I say that repairmen have told me all appliances on the market today are engineered to give out in seven years, and the Bosch in question is about nine years old. So I’m not anxious to do repairs on something that’s going to fall apart like the minister’s one-hoss shay.

He now says that a dishwasher is a surprisingly simple device. It basically consists of a couple of pumps, a water heater, a couple of spray arms, and a control board. As long as the tub doesn’t rust out — an unlikely event given that mine is made of stainless steel and does not get banged around — the thing should run practically forever on the strength of an occasional replacement part. Forever, or until Bosch quits making the parts, which isn’t happening anytime soon.

The Bosch CSR’s attention now turned to Accredited Appliance and its service dude, Richard. He wanted their phone number. Expressing considerable interest in Richard’s sales tactics, he took the time to look the company up in Bosch’s records. It appears that Richard is about to land squarely in the dog house.

LOL! Nothing like the hive mind, is there?

😀

Bosch Customer Service:
1-800-944-2904

Chase, UPS, and Credit Card Application Fraud

DebitCardWhile I was spending half the day on Monday dorking around with the latest identity fraud moment, it did occur to me to wonder why on earth a person would apply for a business credit card under a fake name and then fill in the business’s correct address. Wonder-Accountant speculated that the form may have had a mailing address as well as a street address. But if that were the case, then Chase would have sent the letter asking for more information to that mailing address. Instead, they sent it here. I had about concluded that what appeared to be application fraud was really more like a prank when I came across this amazing report, detailing an alleged collaboration between insiders at Chase credit card services and UPS.

Now, I have no way of knowing whether what this guy says is true. But it would explain why the perp would ask to have his fraudulent credit card sent to my business’s real address.

JoshEAC, the post’s author, describes learning that a credit card had been ordered from Chase, supposedly by his wife. After considerable argument, in which a Chase customer disservice representative suggested that his wife was lying to him when she denied ordering a card, he managed to obtain the UPS tracking number for the card Chase claimed to have sent. At this point he began to proactively track the package wending its way toward him via the Brown Trucks. In the middle of the afternoon, he saw that the package had been diverted from home delivery to the pick-up counter at a UPS station. Three hours later, the tracking system reported that his “wife” had changed her mind and asked to have home delivery after all.

And lo! A day or two later Chase calls to inquire about the fraudulent charges being racked up on the “wife’s” new credit card!

Two possibilities presented themselves to JoshEAC: gross incompetence on Chase’s part — altogether credible given the outrageously ridiculous interactions he had with the bank’s customer disservice reps and their supervisors — or organized fraud committed by insiders at Chase and UPS.

If you buy the second scenario, someone on the inside at Chase creates a fraudulent application. He arranges to have the fake credit card sent to the mark’s real address via UPS. He has access to the passwords for this account. The card is shipped off to the mark.

A few hours later, his co-conspirator at UPS arranges to stop delivery to that address and then, shortly afterward, to have the card delivered to her, only this time on the UPS crook’s truck. The card, of course, never arrives at the mark’s home. With the stolen password, the perps start charging thousands of dollars’ worth of merchandise on the hot credit card.

Well. This conspiracy theory could, no doubt, be nothing more than a figment of its author’s imagination…EXCEPT that it explains, to a “t,” why the identity thief would enter my S-corporation’s address on his application for a fraudulent card. Presumably, once the card was diverted through UPS, the crook inside Chase would simply change the address in the bank’s records, thereby diverting the future statements, too. Or set the account not to deliver paper statements at all.

My monthly dues payments to the Scottsdale Business Association are paid by check and deposited to the group’s account at Chase Bank. The checks are printed with my business’s name and address only. That would explain why the perp didn’t have my name. And, since this is evidently an inside job, it explains why the fraudulent account was set up at Chase and not anywhere else.

JoshEAC described this episode in December, 2011. If he’s right, it means that two years later Chase has done nothing to bring a stop to this caper. Whoever’s responsible for it presumably continues to collect a paycheck and at the same time, no doubt, collects payment from “customers” who put him up to issuing fake credit cards.

By now, though, what’s happened is that the thieves have developed the sophistication to realize that small businesses are even more vulnerable to application fraud than are individuals, because the major credit bureaus give short shrift to business credit-card users. Identity-theft protections are set up to serve individuals. As a business owner, I’ve run into a wall — about my only recourse is to report the episode to the police and pray for the best.

Doing battle with Apple consumed most of the afternoon on Wednesday, and yesterday I was in business meetings or teaching all day. I’m out of food and gasoline, today being the first of the month, and so will have to spend this morning driving around the city by way of restocking the larder. So, the soonest I’ll be able to call the police again will be this afternoon, and presumably I’ll miss the guy again, since they’re not in any hurry to deal with this thing.

But if and when I actually meet with a police officer, you can be sure I’ll hand him a printout of JoshEAC’s post.