Slashdot Mirror
Wells Fargo Says Hundreds of Customers Lost Homes After Computer Glitch (cnn.com)
Hundreds of people had their homes foreclosed on after software used by Wells Fargo incorrectly denied them mortgage modifications. From a report: The embattled bank revealed the issue in a regulatory filing this week and said it has set aside $8 million to compensate customers affected by the glitch. [...] Wells Fargo said the computer error affected "certain accounts" that were undergoing the foreclosure process between April 2010 and October 2015, when the issue was corrected. About 625 customers were incorrectly denied a loan modification or were not offered one even though they were qualified, according to the filing. In about 400 cases, the customers were ultimately foreclosed upon.
They say there is no such thing as bad publicity, but damn. We never should have bailed them out.
Nothing can prevent the fall of Wells-Fargo...
bug?? or did some people fix it to make there numbers look better?
Almost like it's intentional.....
"hundreds" of affected home owners, assume minimum 200. That's just $40k each.
const int one = 65536; (Silvermoon, Texture.cs)
SJW, n: "Someone I don't like, and by the way I'm a fuckwit" - AC
Not enough. Add a zero. The emotional toll of foreclosure on a family is much worse than the financial toll.
No. No amount of babysitting, handholding, or mindreading by a software compiler will fix the basic failure here of "garbage in, garbage out".
Nope, rhis isn't a buffer overflow, which doesn't happen in Rust, Perl, PHP, JavaScript, C++, or most other languages.
Rust fanbois touting that is like if Ford touted having a spare tire like it's a big deal. Few languages have bugger overflows. Like most languages, Rust doesn't - just like most cars come with a spare tire.
Wells Fargo is full of shit. It was assuredly not a "computer glitch" which made those people lose their homes; it was the fact that Wells Fargo didn't want to deal with people who hit economic hard times and could not pay their mortgages every month. It's well known that, during the foreclosure crisis of the early 2010s, banks made it as difficult as they could for people to change the terms of their mortgages, because the banks could make more money foreclosing and selling the houses.
It's funny how these large-scale "computer glitches" seem to favor the bank and not the consumer.
They lost homes, and now Wells Fargo is required to pay them each $20,000. If Wells Fargo accidentally put money into my account, do you think they'd settle for me returning dimes on the dollar?
You are welcome on my lawn.
No, they should have used a functional language like Haskell! That would have helped... somehow. Have you seen how easy it is to make a command-line polish notation calculator in Lisp? It would be idiotic to NOT use a purely functional language!
Yes, but only for the genderqueer non-binary, non-straight, non-white, non-male homeowners.
Here is $20,000 opps my bad.... less if all 625 customers get a cut...doesn’t seem enough to compensate for all the hassles of loosing a house
Whatâ(TM)s with the extraneous âoeonâ? Donâ(TM)t you know basic grammar or what âoeforecloseâ means? I feel like Iâ(TM)m reading German, with random words placed in unexpected locations.
Seems better than the average level of customer service people should expect from this fine banking institution. At least those people didn't find themselves with new bank accounts and new mortgage applications opened on their names without consent. What's the complaint again?
And the water is deeper than we think, ladies and gentlemen!
You do not qualify for modification if you are behind. I suspect this was part of the way that banks were using to skip out on modifications. Banks would usually ignore the application for as long as they could hoping you would get behind and therefore not qualified...and then there was the tried and true insurance method where they would wait a long time and then demand that you resubmit the whole application again because some of the documentation was incomplete or whatever. Getting a modification was next to impossible because of the stalling techniques and zero oversight.
I object to power without constructive purpose. --Spock
No, this is racism pure and simple. Indian programmers have a whole different mindset
on the value of human life, especially if you're not from their "tribe." I've seen too much of
their software - and it's why they've successfully landed a man on Venus (they were aiming
for Mars). They just don't care. And 8 million, that's some execs lunch budget for a week.
Still no jail time....
CAP === 'rhesus'
I think its difficult to say this glitch was the only reason many lost their homes. Many people were so underwater that nobody could really help them. CNN is typically trying to write in facts where they do not exist. The statics were many re writes failed and people lost their homes anyway. Not defending Well Fargo, but clearly CNN is making a sketchy case and assuming a lot.
Hah, hah, hah. You actually think this was a "bug" and not designed that way? LOL!
The real "Libtards" are the Libertarians!
Would using a modern, safety-first programming language like Rust, that's designed to avoid whole classes of software bugs, prevented this glitch from happening?
Bugs like this are just as often the result of misunderstandings on the part of the programmers or even the people who designed a complex system and its interactions. Failure to fully appreciate the full range of possible paths through the code, even if all code is correct at a purely functional level, can have unanticipated and nasty side effects. People who don't write code for a living assume that all bugs are the fault of the programmer, but that's often not the case. Design flaws, misunderstood requirements and unanticipated interactions are also rich sources of problems, irrespective of which programming languages were used. Then again, the real world is also complicated and humans F things up all the time and have been doing so for thousands of years before the computer was ever available.
Blocking IPs by range is the role of a firewall not a hosts file.
I worked for a different very large bank during much of the period in question as a foreclosure case manager. I saw many foreclosure that had trouble getting refinanced. One advantage of having humans work the case is that there were many files that I was able to get fixed, yielding working modified mortgages for the lenders. I can understand how a computer glitch could cause this problem. If they included Freddie Mac and Fannie Mae loans, those programs had some inflexible and sometimes nonsense rules. If you took the first response, you'd be denying lots of modifications. With a little effort, it was possible to save the borrower from foreclosure.
Some instances required you to be a little creative. For instance, placing a hold on the foreclosure so that the borrower can make sure all income gets deposited in the correct month so Fannie Mae is happy with monthly income. A deposit came in before the end of one month, and thus not in the next month and Fannie Mae said income was too low. It wasn't, but the computer says so. All fixed in 6 months!
another bailout willl
In the last half of 2011 Citi Mortage did this to me too. I'm guessing that I ran afoul of an algorithm that decided that I was a risk. They kept two of my checks, returned the third check, and kept the at least one of those payments in an "un-applied funds" account. It took me 14 weeks, an attorney, and lots of aggravation just to get a "pay-off" number out of them. Actually, the attorney had to threaten them with court to get a dollar amount that needed to be caught up. Fortunately I still had all of that money still in the bank, just waiting. For 9 months afterward my account was simultaneously in "Good Standing," "Default," and "Modification" statuses all at the same time. The sub-contractor "lost" all of the telephone recordings, Citi "misplaced" records multiple times, and even my "case manager" was switched multiple times early on in the process. I thoroughly believe that this was an elaborate con job and not a "mistake" or "computer glitch" and that these people should be seeking six figures in damages for each count. For my own part I'm pretty sure that my current mortgage servicer (that commercial paper has been bought and sold many many many many times) has no clear Chain of Title on my property and I suspect that the financial scum-baggery of 2008 has a lot to do with it. My mortgage is clearly a part of a Collateralized Debt Obligation (CDO) that melted down probably around 2011 or2012. And this is just part of the reason why I believe that most big bank officers, boards, and C-Level management probably deserve some time in prison.
I don't doubt that there was a "computer glitch", but doing what a (do I have to say this?) potentially buggy piece of software tells you to do without question was a business decision.'
Sure, some programmer made a mistake, because programmers like all humans are fallible. But bank management had a totally wrong-headed approach to doing their jobs.
Post may contain irony: discontinue use if experiencing mood swings, nausea or elevated blood pressure.
Banks hate foreclosures.
It costs them money to administer, creates lots of bad will, and they rarely get all their money back anyway.
Much better if the customer pulls through, pays lots of interest, and eventually takes out a second mortgage.
But how is the computer overriding people? A foreclosure is a big event, handled by moderately senior people, not bank tellers. These people would have reviewed the situation. And yet, Computer Says NO.
How did they become so bureaucratic that a crappy computer program written by some enterprise IT department can automatically override the judgement of human experts dealing with individual cases.
That is the real story here.
Buffer overflows can happen in C++. Null-term'd strings = in use BY DEFAULT (same as C) & can be exploited as buffer overflow exploit.
* Workaround = Change to "pascal style strings"/std string!
Pascal INCORPORATES LENGTH in strings. C/C++ default doesn't.
It's partially WHY I DIDN'T USE MY OTHER FAV (C++) vs. Object Pascal on APK Hosts File Engine 2.0++ 64-bit for Linux & BSD h t t p : / / a p k . i t - m a t e . c o . u k / A P K H o s t s F i l e E n g i n e F o r L i n u x . z i p OR APK Hosts File Engine 9.0++ SR-1 32/64-bit for Windows https://www.google.com/search?...
Plus rest of why?
ObjectPascal BEAT MSC++/JAVA/VB to a PULP in 4/6 tests (Visual Basic Programmer's Journal 1997 oct issue "Inside the VB5 Compiler")
Especially on strings hosts use I process! ~ 4x++ performance & DOUBLE in math (every program deals in both).
APK
P.S.=> I took NO chances in a program GEARED for security/speed for users vs. threats & used BEST TOOL for the job... apk
Hosts files are often parsed with a less than ideal algorithm and have to be checked (or at an absolute minimum stat()ed) for every single host name lookup.
Most threats = Hostnames not IP addresses. Most firewalls work by IP address, not host-domain names. E.G. Windows native firewall.
Firewalls also have OVERHEADS hosts do not in filtering drivers (more moving parts complexity too for potential exploit as well).
Hosts are a native filter for the IP stack itself (e.g. Windows tcpip.sys) & no extra overheads OR extra moving parts complexity & are LONG proven (since 1973 iirc).
* Firewall, hosts & filtering DNS (vs. threats etc like OpenDNS does which IS patched vs. kaminsky redirect poisoning, & 99++% of ISP dns aren't) is a GOOD solid combination & not "Bolting on 'MoAr'" ILLOGIC-LOGIC (especially when things like Antivirus are FULL of bugs nigh constantly (see Tavis Ormandy on that note for an example thereof)).
APK
P.S.=> See subject: I know where threats come from since 1996 when I began looking @ how exploitation occurs & from online mostly & SEE how it's done - see subject - hence my usage of hosts... apk
What "less than ideal algorithm" is that? The std. File Open/Read/Close one? LMAO! Hosts cached in RAM w/ favs @ top where you spend most time is ALL THAT MATTERS for SPEED gain (+ security vs. DNS redirect poisoned OR down too) & rest of the entries are BLOCKED KNOWN BAD (can be millions, I could care LESS how "fast" I "get to those" as I NEVER INTENDED TO IN THE 1st PLACE, lol).
E.G. - I keep 100 fav. sites of mine @ top of hosts (I doubt most would keep more, sites are like TV channels to folks - you may have 500 available, you only really regularly use maybe 10 for example). I get to them WICKED FAST (Faster vs. remote OR LOCAL dns by far & less security risk OR tracking + MORE ANONYMOUSLY (avoiding dns request logs)).
* What's your "point" & answer the question in my subject line!
P.S.=> Even more speed gain's avoiding ADS & gains even MORE speed & security (they're HUGE infectors & trackers + slowdowns those ads)... apk
Anytime a company gets caught doing something unethical, they always seem to have their scapegoat ready to go.
This scapegoat is more powerful than an entire ARMY of lawyers can ever hope to be.
It's effectively their " Get out of Jail " free card.
Ever notice how:
It's always a " glitch ", " computer error ", " junior programmer " or " hackers ".
It's never, EVER the fault of the company. It's always something else.
No one goes to jail. The penalty is basically a slap on the wrist, the upper level executives are allowed to leave with
their golden parachutes and the whole thing quietly fades away to a memory mostly forgotten a few years later.
It's a sad, sad state of affairs really.
Sadly Slashdot is full of people who spout off without knowing what they are talking about. I was in the middle of this whole fiasco, working to clear it up. I saw plenty of bad things, but never saw a modification denied because of late payments. In fact, the late payments triggered our reaching out to the borrower. We set up clinics in heavily hit cities to help the do the paperwork. We wanted them modified so we did not end up owning houses we could not sell. The government mostly helped, but occasionally put in crazy roadblocks. We had ways to deal with those.
As other commenters have correctly pointed out, banks lose way more money on defaulted and foreclosed loans than they do by offering generous terms for modifications.
I will allow for the cynical view, and one I did consider, that it is also better to have the borrower paying the modified payments because, even if they do fail in the future, you have some more payments and hopefully the local market is better by then and you don't lose quite as much money.
- oh, as the person below points out, it costs lots of money to administer, and cut the lawn, and winterize in cold climates, and inspect the outside once a month. oy!
Regex golf anyone, prise is security.
Regex overheads & INEFFICIENCY + FALSE POSITIVES wildcards create I point out you ADMIT here https://tech.slashdot.org/comm... anyone?
WTF do you THINK makes browser addons such HOGS of CPU & RAM (especially UBlock/AdBlock etc.) dumbasses? It's NOT just the added messagepassing overheads they incur on already SLOWER THAN HOSTS usemode browsers - it's REGULAR EXPRESSION USE!
* You YOUNG little wannabe AMATEURS make me laugh... I can SMELL the "rookie inexperience" off you a MILE away!
APK
P.S.=> Vs. me? You can't EVER win - you fools must be masochists - you keep coming back for MORE beatings vs. me albeit the past 2-3 yrs now you HIDE BY UNIDENTIFIABLE ANONYMOUS Gosh - why's that? Oh, we all KNOW why!
I've DUSTED you under all your FAKE NAME SOCKPUPPETS you use so many times & bookmark it You KNOW I'll toss those SELF-defeats of yours right back @ you again (& LMAO while you lose yet another!)... apk
There was a time when bank robbers went to jail.
Force every C-level executive at Wells Fargo into foreclosure. If they are strict renters then force them into bankruptcy.
When they protest that this action "isn't fair", just shrug our shoulders and claim, "it's not me, it's the system, there's nothing I can do". When they launch a lawsuit, clam up "because the matter is in litigation", then stonewall them with legal maneuvers. Also make multiple public statements that "we are disappointed that certain parties chose confrontation, we would have preferred negotiation. All they had to do was contact us. Our door is always open!"
If they win, immediately declare bankruptcy and then re-open under a new name.
Sure it's a fantasy, but doesn't it feel like they deserve some payback?
I was not late on my mortgage payments. WF actually removed 4 payments I made to throw my home in foreclosure. Glitch ... no! They tried to right out steal my house.
That's assuming they actually keep up with the foreclosed homes, which I can attest they did not in most cases in my area. They turned into shit holes, the city would come in and clean up the yards after complaints. The house next to mine had been foreclosed on and vandalized. At one point, the pipes froze and burst causing a frozen river of ice down the street. Guess who took care of that? They city. In fact, we had neighborhood volunteer groups that would tend to many in their own areas. The banks didn 't give a shit what they house looked like, they couldn't sell them. I agree, it made no sense to foreclose on my house, but the bank didn't want to work with us at all. Their strategy was to stall as long as they could, pile on fees and then attempt to "work with us" to pay the fees, not modify the loan. Every step in the modification process was a nightmare. They would some how have no record of the previous 50 conversations we had, even though I knew for a fact that summary notes are kept in accounts (I'd worked there prior) along with who made them. Documents that we faxed would get "lost", then faxed, confirmed, then "lost" again. I learned early that asking for a reps name was worthless, because the next time I have to call, that rep didn't exist. They would refuse to give me an ID/rep number, even though we'd just confirmed simply noting their names was useless. They never intended to work with us. They wanted to leach us for as much as they could, especially owners like myself, whom had been in very good standing. I really felt like they assumed we'd stick it out, and they'd end up making even more money. We didn't and let it go. I hope they took a huge hit on it, it was earned.
Pascal INCORPORATES LENGTH in strings. C/C++ default doesn't.
So does std::string you dumbass.
Try keeping your mouth shut when you don't know what the fuck you're talking about.
ZIP
Firewalls also have OVERHEADS hosts do not in filtering drivers (more moving parts complexity too for potential exploit as well)
Yes, but your 'solution' includes the 3rd parties where you download your lists, your software to download, merge, sort and then write to hosts.
Massively more 'overhead' than a firewall, but you ignore that.
The resources that automated and integrated solutions use are things like RAM, CPU etc. Unless you are on a constrained system, these are trivial. Not having to manually launch a tool to create an updated list each time I want to browse is an appropriate use of resources.
The GGP asked a question that was correctly answered by the GP. Blocking IP range is a role for a firewall.
APK. When all you have is a hammer ...
false positives
Exist with the lists you pull down. Rare in both cases. Next.
you can edit them easily yourself
I can whitelist or block with a toggle in a tool like uMatrix. Easier than editing a file. Next.
FASTER
Only if you ignore the minutes needed to launch your software, download updated lists, merge, sort and write. Ridiculous comparison. Next.
security issue riddled usermode competitors
Even your list providers warn that hosts alone are not enough. That means you need to be running some kind of 'usermode competitor' as well. Idiot. Next.
Other methods don't
What, you mean like local caching? Or running your own local resolver? Are you ignorant or lying? Next.
I make working w/ PROVEN hosts files as EASY as possible
And if you'd stop making claims that haven't been true for about 25 years, stopped spamming and started behaving like a reasonable member of the forums you infest, maybe you'd have some respect and gratitude.
APK. The same claims. The same criticisms. Do your own diligence
You're assuming Wells Fargo is a well-run bank with competent bankers; the evidence suggests otherwise.
My guess is that they focused a bit too much on the 'pays lots of interest' to remember that modifications can help ensure they get their money back in the first place...and then didn't want to own up to the glitch existing and not being noticed and/or fixed for so long.
So, basically? My guess is that it's the kind of conspiracy that happens when you've got a bunch of people who are just competent enough to realize and try to cover up the obvious evidence of their incompetence.
Not even a blockchain?
Confucius say, "Find worm in apple - bad. Find half a worm - worse."
In Soviet America. bank rob you.
I doubt this was a true glitch, but rather a programming error, that could have been caught with a complete test suite.
Till someone burns the higher ups burn at the stake for their shenanigans. Seriously slap on the wrist type punishments needs to stop for these kinds of companies.
Whitelists = false positives & maintenance NIGHTMARE users bitch about (some "solution" that, lol). What I save in ad loads alone (w/ removing malware ads bring) saves time + resolving faster locally (safer too vs. DNS poisoning).
* You can't win, lol...
(WHY DO YOU TRY PUT WORDS IN MY MOUTH I NEVER SAID? I never said "hosts do ALL" - Only that hosts do FAR more for FAR less (security issues, false positives, resources use etc.) natively vs. other solutions FULL of security issues (DNS/Antivirus) that are SLOWER too!)
APK
P.S.=> You FAIL but that's WHY You stalk me by UNIDENTIFIABLE anonymous - I've torn you apart under your REGISTERED fake name for your FAKE nothing to show for yourself WASTED LIFE sockpuppets... me? Folks like & USE my work praising it https://it.slashdot.org/commen... - do they YOURS? Hell no, lol... apk
See subject: You can't justify your STALKING me by UNIDENTIFIABLE anonymous like the obsessed LOON you are, zero to show for yourself. Your JEALOUS is SHOWING "Lil' Jowie" (lol) - me? I can show others like & USE my work praising it https://it.slashdot.org/commen... can you? HELL no, lol!
* WHY?? You waste your time & WASTED LIFE stalking me instead, lol!
(CRY of the BUTTHURT INJURED "ne'er-do-well" & ALL in your "NPD" Mr. "SiDeWaLk-ShRiNk of /." - do you in fact have a degree & license to make your "prognosis" Dr.? No?? Of course not - MORE DELUSIONS OF GRANDEUR on YOUR end, lol!)
APK
P.S.=> You're the one FOLLOWING ME AROUND & STALKING ME by UNIDENTIFIABLE anonymous constantly & try put it on ME? Give me a break, lol - that's FACT/REALITY (Something a loon like you can't determine)... apk
Funny CHINA agrees w/ me vs. DNS down OR redirect poisoned & used hosts (after me imitating me) then http://theregister.co.uk/2017/04/26/boffins_supercharge_the_hosts_file_to_save_users_plagued_by_dns_outages/ & "IMITATION's SINCEREST form of FLATTERY"
* EXPLAIN THAT... Good luck!
What I save in ad LOADS alone + dns resolution FASTER from the diskcache in ANY OS (not the KNOWN BUGGY Windows local slower USERMODE dnscache service) AND not having to remove malware I block using hosts ASSURES I am wasting less time than YOU DO for sure, lol...
(IN case you hadn't notice? I've trashed every single "so-called 'point'" of yours easily using FACT...)
APK
P.S.=> You're losing badly - but then, you KNOW that, hence WHY you STALK ME by UNIDENTIFIABLE anonymous - you're trying to "annoy" me & all you DO do is make ME look GOOD & yourself like the obsessed STUPID failing LOON you are, lol - thanks! apk
Host give you more protection than firewalls using ip addy = hosts using domain names (99% of threats use hostnames NOT ip addresses) - you lose right off the bat!
* Additionally - firewalls rules tables REQUIRE MAINTENANCE TOO stupid (& don't work vs. today's online threats using hostnames in Windows native firewall for example (most used OS there is on PC's & servers combined)).
APK
P.S.=> Trivial? Using "Bolt-on-'MoAr'" ILLOGIC-LOGIC in things like DNS/Antivir (see kaminsy redirect flaw, 99++% of ISP dns aren't patched vs it & Tavis Ormandy on ANTIVIRUS SECURITY FLAWS & tell me another one) use more resources, protect less, AV isn't native (hosts are) & hosts protect BETTER vs. modern hostname using threats (IP address using firewalls w/ more overheads in filter drivers + block list maintenance don't in Windows firewall)... apk
You don't really understand how life works apparently. Did it ever occur to you that they and the bank both agreed they could afford it when the loan was taken, but that circumstances change? People get ill. The economy takes a serious downturn. A great job goes away and one can't find another that pays as well. Seriously, are you a teenager or a troll?
Maybe both. (This rant is aimed at the post you replied to, and is in agreement with the point I think you were making).
The kind of arrogance you called out is depressingly common in many walks of life, including the STEM community (which ought to be more open-minded than most, given that we like to think our opinions are fact-driven and scientifically grounded). Whether its the way we denigrate Liberal Arts and Sciences in favor of so-called "hard" sciences, or describe computer users as "lusers," with nearly every thread in this forum dripping with arrogant, self-righteous victim-blaming whenever non-specialists run afoul of ever-growing online threats of fraud, abuse, poisoning our information streams with bad data (fake news), etc. etc. one common denominator shines through: techies arrogantly declaring themselves superior to all others.
To which one ought to reply: "What, you couldn't diagnose your own carcinoma? Why not? Are you a complete ignoramus, or an idiot? You're not a doctor? Well, you must be a moron, every third-year resident could tell a carcinoma when s/he sees one, and do something about it. What a luser. You deserve to die for being so stupid."
People can't be experts in everything. Most people aren't experts in technology, most people aren't experts in medical science, and most people aren't experts in banking and economics. When corrupt institutions collude against their customers, it's pretty fucking rich for self-righteous free-market rightards to go blaming the vicitm for not being an expert in credit default swaps, mortgage lending, banking, and unexpected economic disruptions.
See subject: Buffer overflows can happen in C++. Null-term'd strings = in use BY DEFAULT (like C) & can be exploited 4 buffer overflow exploit.
* Workaround = Change to "pascal style strings"
Pascal INCORPORATES LENGTH in strings. C/C++ default doesn't.
It's partially WHY I DIDN'T USE MY OTHER FAV (C++) vs. Object Pascal on APK Hosts File Engine 2.0++ 64-bit for Linux & BSD h t t p : / / a p k . i t - m a t e . c o . u k / A P K H o s t s F i l e E n g i n e F o r L i n u x . z i p OR APK Hosts File Engine 9.0++ SR-1 32/64-bit for Windows https://www.google.com/search?...
Plus rest of why?
ObjectPascal BEAT MSC++/JAVA/VB to a PULP in 4/6 tests (Visual Basic Programmer's Journal 1997 oct issue "Inside the VB5 Compiler")
Especially on strings hosts use I process! ~ 4x++ performance & DOUBLE in math (every program deals in both) of even MSVC++!
APK
P.S.=> I took NO chances in a program GEARED for security/speed for users vs. threats & used BEST TOOL for the job... apk
This is by far not the first time Wells Fargo has used software to harm their customers. They do it constantly. Their software developers should be in prison for conspiracy along with management who called for certain software features and configuration. None of these things happen at this scale without intentionally malicious software. There just aren't enough crooked managers across the business units to pull it off.
2012 - Racism - charging various shades of brown people higher interest automagically
https://www.reuters.com/article/us-wells-lending-settlement/wells-fargo-to-pay-175-million-in-race-discrimination-probe-idUSBRE86B0V220120712
2016 - Shoddy underwriting - again, you have to rig your software to let this kind of thing through
https://www.justice.gov/opa/pr/wells-fargo-bank-agrees-pay-12-billion-improper-mortgage-lending-practices
2017 - Repo'ing service members' cars - again, disproportionately strikes minorities and similar low incomes
https://money.cnn.com/2017/11/14/investing/wells-fargo-repossess-cars-military/index.html?iid=EL
2018 - More Racism against brown people
https://money.cnn.com/2018/02/27/investing/wells-fargo-sacramento-lawsuit-discriminatory-lending/index.html
lololol!
Nice shilling!
captcha: mistrust
bug?? or did some people fix it to make there numbers look better?
Probably. I can let go their mistake of 5 years (hint hint). However, I am now interested in what they are going to do to remedy those who were falsely denied and lost their houses. I guess, they would do nothing because they said they are now transparent.
BB&T foreclosed on me too around 2011. The home owners association whom I had to register with as a rental property, sued my renter stating that I hadn't paid the monthly home owners association in more than a year and was suing her for $5600+ dollars, $2200+ for association fees and the rest attorneys fees. My tenant having no contract with the home owners association out moved within the week. It took me 2 weeks to have the court dismiss the lawsuit pointing out that there is no contract what so ever with my tenant all the while trying to contact the homeowners association to find out what the problems was. I left several messages and they never returned my call.
The home owners association re-filed the lawsuit by only changing the name to mine and instead of having sheriff serve the notice, they mailed it to the condo rental property when the homeowners association new full well my home address. Since I hadn't lived there in more than 10 years, I never went over there to collect the mail, so I never knew that they refiled.
I had problems for the next few months coming up with the $1100 mortgage payment and the $225 in homeowners fees for the next few months. I dropped a month behind. I dropped off a payment in the night deposit box of BB&T on a Sunday night a 2 days more before it was to become 60 days late. They held the payment for a week stating that since the payment is more than 60 days late that they needed the full amount for the mortgage and sent the check back in the mail, taking another week to get to me. I had been paying on this mortgage for 27 years and there was only $17,000 and some change before the mortgage was paid off. The bad thing was, I had a default judgement levied against me that I didn't know about from the Homeowners association for $5600+ and the court system filed with my bank for the cash. My Checking and Savings account was wiped out without me knowing and with my direct deposit check the next day I was left with about $300 to live on for the month.
BB&T foreclosed a week later selling the $90,000 condo for $32,000+ on the court house steps with them pocketing $15,000+. Less than 2 months later the person that purchased the condo sold it for $76,000+. I think that the person that purchased it was from BB&T bank who had connections with the homeowners association.
In which case you use the magic words, "walk away" and they'll fall all over themselves trying to get you that modified loan.
Voice of experience.
~REZ~ #43301. Who'd fake being me anyway?
Wildcards create false positives & hosts specifics don't create as many fp's + you can edit them easily yourself. You point it out (blocking entire nation blocks indiscriminately).
* Hosts = FASTER (kernelmode getting more CPU priority vs. SLOWER bug & security issue riddled usermode competitors (DNS/Antivirus) + less complex 4 exploit & aren't as EASILY DETECTED & BLOCKED as browser addons are (some don't do their job by default crippled 'souled-out' to advertisers (adblock)).
Many "new hotness' = "OLD & BUSTED" nigh constantly & ARE INEFFICIENT as hell - what's proven in the IP stack & its hosts filter isn't.
Hosts also let you LOCALLY resolve your favorite sites FASTER (avoiding remote DNS slow & redirect poisoning OR being down). Other methods don't...!
APK
P.S.=> I make working w/ PROVEN hosts files as EASY as is possible... apk
See my subject & answer that: & Why do you also STALK me by UNIDENTIFIABLE anonymous posts as well? AFRAID to stand behind your lies??
* THIS I have to hear, lol - it WILL truly be a classic I'm sure!
(CAT GOT YOUR TONGUE SUDDENLY? You wouldn't answer LAST TIME I ASKED IT + YOU DOWNMOD "HID" IT (the sure sign of YOUR total SELF-defeat) https://it.slashdot.org/commen... )
Plus, since you say I'm the "Lord of Hosts"? My "portrait & themesong" https://www.youtube.com/watch?... so SATAN, get thee behind me.
APK
P.S.=> Grow up you obsessed loon who not only IMPERSONATES me but also STALKS me by UNIDENTIFIABLE anonymous posts constantly! apk
STACKOVERFLOW says I'm RIGHT on std string too https://stackoverflow.com/ques... per Mike Seymour reply (I avoided all that though in Pascal) per this quote "If you're writing C++ as the tag suggests, then don't use either. Use std::string"
Easy (but CPU & time consuming) fixes instead?
Strlen check or 2 pointers (1 double size of former & when larger fails double length of it) stops C/C++ problem on length (still null-terminated strings though thus buffer overflows in C/C++ - NOT PASCAL I used).
That added processing (unneeded in Pascal strings) is also WHY (time taken to do it) C++ is SLOWER than Pascal in tests (especially on stringwork & even math (not same cause on latter though)).
* STILL - No matter HOW you try to 'defend' raymorris, it doesn't work - he overlooked C/C++ null-terminated STRINGS buffer overflow problems in C/C++, period!
APK
P.S.=> I don't have those problems & I chose the PROPER tool for a job that works in strings in a SECURITY PROGRAM folks LIKE & USE https://it.slashdot.org/commen... HOW ABOUT YOU, "ZIP"? You've got ZERO by comparison, lol - YOU = ALL HOTAIR MERE CHEAP "TALK" but zero actual product to show... apk
See subject & LEARN TO READ: The link itself says it stupid & you say DNS doesn't go down? Wrong http://theregister.co.uk/2017/04/26/boffins_supercharge_the_hosts_file_to_save_users_plagued_by_dns_outages/
* YOU LOSE, loser...
You claim to protect against DNS being down - by UNIDENTIFIABLE Anonymous LOSER that STALKS me on Monday August 06, 2018 @01:56AM (#57076518)
Yes, I do & so does CHINA, loser...
APK
P.S.=> As always vs. me you stupid little bastard who is SO AFRAID OF ME he has to STALK me by UNIDENTIFIABLE anonymous posts constantly, lol... apk
Do you even HAVE a home (as I do fully paid off) or do you live in the local rescue mission or under a bridge like the troll you are? Nothing to show for yourself either in the way of accomplishment in computing either (prove otherwise - oh, that's right - you CAN'T when you don't have a damn thing to show like you).
* You're a JEALOUS "Lil' Jowie" loser that STALKS me via UNIDENTIFIABLE anonymous posts since you are AFRAID of me, no questions asked.
APK
P.S.=> Your JEALOUS is SHOWING "Lil' Jowie" but nothing else to show for yourself @ all - hahahaha... apk
You HIDE behind UNIDENTIFIABLE anonymous "ANTIFA" & NO denying it - I don't threaten vs. a NOBODY in you STALKING me constantly you punk.
APK
P.S.=> Seems I can also PROVE registered /.ers DISGREE w/ your JEALOUS "Lil' Jowie" do-NOTHING zero you are bullshit (want more? Ask - I've DOZENS more like these YOU NEVER WILL, lol) https://yro.slashdot.org/comme... because you're a LOSER "ne'er-do-well" TALKER & nothing more hahahaha (& you NOT only KNOW it, you PROVE it constantly always LOSING (especially vs. me))... apk
Hahahah you fucking dumbass. in that stackoverflow link is the comment; "If you're writing C++ as the tag suggests, then don't use either. Use std::string"
Why? Because IT IS NOT NULL TERMINATED. Learn to code noob.
ZIP
See subject & LEARN TO READ - I said that & quoted EXACTLY that long before you & std string IS a cure https://tech.slashdot.org/comm... albeit ONLY if you stay "in bounds" dumbshit - that is WHY I SAID IT dumbo... & WHY I STEERED CLEAR of using C++ for my program for security reasons (& speed - Object Pascal BLOWS AWAY MSVC++ in stringwork & hosts work IS strings).
* LMAO - you made my bookmarks/favorites AGAIN "ZIP" for your stupid fuckup (gotta be the 4-5th one of yours I have that way since YOU CAN'T READ DUMBO)
APK
P.S.=> RoTfLmAo - EAT YOUR WORDS, bitch... apk
WRONG unidentifiable anonymous NOBODY (you're not a real person: Bugs Bunny has more identity than YOU do shitbrain)!
Don't play "jailhouse lawyer" w/ me - you'll LOSE on that alone!
Especially when even from your 'example' you START it harassing/stalking me 1st!
So yes, & I tell 'your kind' I'll smash your face IF face to face (& yes, I mean it)/
Again - Only problem for you LEGALLY?? LOL, is since YOU'RE NOT A REAL PERSON (is "Anonymous Coward" who doesn't even ID himself as I do on your birth certificate as your NAME/IDENTITY? NO, it is not) YOU CAN'T DO SHIT, lol - & I win, you lose!
* You're TOO STUPID to "F" w/ me dumbshit...
(I'd get you LAUGHED outta a court of law... lol, guaranteed!)
See subject: You're nobody real & nobody in accomplishment either (lol, KING nothing).
APK
P.S.=> Why are you HIDING behind UNIDENTIFIABLE anonymous coward? You KNOW you're GUILTY of STALKING & HARASSING ME but were we to meet in person? I'd just bust your fucking teeth FLAT out of your PUNY jaw fucker... apk
Any programmer worth his salt is laughing at you right now. You're an embarrassment.
It's fine if you don't know something. But to assert that you have expertise when you have the facts clearly wrong is how I keep trolling you into this situations time and time again. Savor that bookmark my friend. When you learn C++ maybe you'll also learn to laugh at your own foolishness.
You sir are the epitome of a ne'er-do-well.
ZIP
LOL! I can show WORKING product others like, use & praise (can you? No) https://yro.slashdot.org/comme... & I knew enough to AVOID using C/C++ for a SECURITY PROGRAM others like & use here on /. in our peers even (that you don't have) that works on STRINGS for the very reason I noted (buffer overflow possibles in null-terminated strings in C/C++) & for SUPERIOR string (& math) speed in Object Pascal vs. MSVC++ - you LOSE, dumbo!
YOU HAVE SHIT TO SHOW & YOU ARE A "ne'er-do-well"!
* I am RIGHT (Raymorris didn't even know it suggesting C++ is "proof" to buffer overflow & HE IS WRONG + I PROVED HOW via null-terminated strings in C/C++ being PRONE to it).
APK
P.S.=> No, I guaranteed EVERYONE is laughing @ YOU "ZIP" & Raymorris too (unfortunately on him - he @ least does help others & has made a SINGLE kernel patch to Linux) - I am correct on std::string helping (but not in ALL cases) vs. buffer overflow in C++ & I had SOLID backing of it... apk
Every C++ compiler's FULL C11 std. compliant? No - so you ARE by default wrong (+ afaik, not every detail of C11 is IN PLACE on ones that might too).
* YOU LOSE AGAIN (coming in days after I posted to try your bs, again, only to FAIL).
APK
P.S.=> I'm still right & IF Pascal is so "dead" why was SKYPE written in Delphi? You lose STILL MORE yet again... apk
There's only one Delphi implementation. Hundreds of C++ implementations. Obviously I'm going to use a safe one and not be a stupid cuck like you.
You have such a weak argument here. You think maybe there is a remote possibility that a compiler would be non-conforming that you shouldn't use any compiler. But even given proof where one is conforming cling to your petty argument. It's why you have no fucking friends, you simply aren't able to concede a point when you're so plainly wrong.
Learn from experts like me, and quit being ignorant.
ZIP
P.S. => this is the EIGHTH time I completely annihilated APK, and exposed him for the lying, stubborn and stupid child.
Not all C++ implement C11 std. let alone ALL of it, period (so your bs doesn't stand its ground in every case) & Object Pascal is basically same in FreePascal as it is in Delphi (so you're wrong - Object Pascal exists in multiple languages).
* My argument for using Object Pascal: It's faster & SAFER in stringwork GUARANTEED vs. ALL C/C++ & is as strong as I need it to be - Object Pascal's IMPERVIOUS to that problem of null-terminated strings & buffer overflows & C isn't + many C++ by default aren't either).
Given that? How can I be what you called me?? I can't be!
APK
P.S.=> I pick the perfect tool right off the bat, right tool for the job in ALL cases via Object Pascal... apk