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[EBANK] Scandal Update

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Ray McCormack Kisoken Innovations	Posted - 2009.10.10 18:12:00 - [1] Edited by: Ray McCormack on 10/10/2009 18:13:02 Message From The Board and Staff Yet again we find ourselves coming to you revealing the failings of previous members. These next two individual's actions are as shocking to us as they will be to you. Nothing excuses what they have done, and we can only, yet again, reiterate our commitment to making this right. Anastasia Heron Last weekend Anastasia Heron was asked to step down from the Board, but invited to remain on as a staff member. It was quickly apparent she held that offer in little regard, and last night posted that she would be returning the remaining assets from her venture (that hasn't paid any interest in at least six months) minus the value of her two bank accounts. Effectively she has stolen billions of ISK from depositors, and attempts to justify it as follows: Quote: Ray asked me to do the right and expedient thing and give the bank's assets in RAR back to the bank. Under the heading "Good for the goose, good for the gander", I'm also going to do the right and expedient thing and make sure I get my assets back to me. Given that I think that EBank will never be in the position to return my account balance of approximately 10.5 billion ISK back to me, I will do the expedient thing for myself (you may question that it's the right thing, given that so many people may not get their ISK back at all). So I'm taking of EBank's what belongs to me out of what is mine that actually belongs to EBank. I hope that makes sense. Anastasia was as useless as a Director as she is unjustified in this action. She voted and agreed with the account freeze, but for some reason does not feel she should be held to the same standards as the customers she failed. Mr Horizontal On 2009-01-22 03:48:00.000 Mr Horizontal faked 10 deposits into the bank's back-end, totalling 90b ISK. He also opened up new savings accounts for himself, after the board had voted to stop issuing them (he acknowledges this). The following characters had 9b deposited into each of their sweep accounts on the above date: bella'donna F0XY fullymental General Exception Gilbo Gnarrkilly marshal general Sir Javelin skulled TARDI5 He claims the deposits are real, that they were done via the API after being sent to EBANK Ricdic, however each deposit has the exact same timestamp recorded in the transactions table. A brief check of all other 31 thousand odd deposits reveals none share the exact same timestamp, in fact due to the process of how they are captured it is a near impossibility. A feature of most relational databases is an identity column, which automatically increments for each new row. As seen on the left of this screenshot, his inserts dated 2009-01-22 were done on the 3rd of February. On the right of that screenshot you will notice the identity of his inserts is out with those of the same depositdate, and the inconsistency in the balance column suggest they in fact never occurred. This screenshot further highlights the anomalies of his 'deposits'. Another interesting piece of evidence is a result of a bug in the API code on the website, it stored information with the local time of the server, rather than GMT. Thus the vast majority of deposits actually hit our database with a datetime in the transactions table before their depositdate as recorded in the journaldeposits table. Another quick check of the database reveals only 2,621 out of 31,390 deposits have gone in after, most due to API outages, patch deploys, etc. His going in mere minutes after being sent in-game, and also going in well after the surrounding deposits that would have been done on the same pull, suggest nothing else but that he faked these transactions. (continued)
Ray McCormack Kisoken Innovations	Posted - 2009.10.10 18:18:00 - [2] (continued) I could further list a litany of evidence supporting the fact that Mr H knowingly attempted to steal 90b from the bank. Unfortunately in further investigations we discovered he had previously faked a 5.5b deposit for his character Mari3 Curi3, and had managed to withdraw at least 3.3b of this. A full investigation of his accounts is under way, as well as the accounts of those individuals he was/is close to. Needless to say the accounts in question will be zeroed. Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.11 09:15:00 - [3] Originally by: Kurt Dyspare and refuse to return it or a part of it. They have decided they know how to use our money, better then we do. In the upcoming announcement we will reveal how you can begin liquidating your accounts at a loss. Originally by: Kurt Dyspare you know this is the right thing to do, for both Ebank and it's customers I don't. What I know is that this is a complex situation with a multitude of solutions. For each person asking me to liquidate, I have others saying they won't accept anything less than full recovery. It's our job to achieve a balance between those. So whilst our solutions might not be right up your tree, realise you're not the only tree in the forest. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.11 09:25:00 - [4] Originally by: Ambo Ebank employees were given the chance to withdraw their isk ahead of the announcement that accounts where being frozen. EBANK employees that had deposited ISK into their Sweep accounts when we were suffering a liquidity crisis were allowed to withdraw their funds. Those who had ISK in savings or checking accounts were not. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.11 17:09:00 - [5] I was watching the President's Cup today, and the commentator was critizing a player's choice of putting line. He then said something quite pertinent, he admitted he was up in the booth whilst the player was down on the green and things might be quite different for him. So it may be easy to shout your opinion from the sideline, crying out about the idiots in charge, but realise things are quite different when you're in the position that requires the decisions to be made. You could always man up and make the differences you're so vehemently crying for, we're recruiting. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.11 18:37:00 - [6] Originally by: Lecherito Ray specifically stated that anyone caught "selling off" their account risked having their assets wiped. I never said that. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.11 19:44:00 - [7] Originally by: Breaker77 I do remember that right after the announcement of account freezes someone made a post offering to buy EBank accounts and you did state along the lines of anyone doing that would have their account closed. I've been digging through eve search for a while, but I will eventually find that post. Good luck, because it doesn't exist. What I did say was anyone caught buying or selling accounts to pay off loans would have the transactions reversed and their accounts closed. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.11 20:23:00 - [8] Originally by: Breaker77 Ahhh I see, so in otherwords you couldn't use EBank ISK to pay off an EBank loan. Must mean that EBank knows the ISK is worthless and will never be made back. No, it's just worth less than it's face value at the moment, which you would get if you used it to pay off someone else's loan. Why is this so hard to understand? Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.12 13:31:00 - [9] Originally by: Reilly Duvolle LMAO. Do you really think your former customers belive this s**t? Why dont tell the truth Ray, that this is a giant scamming operation, designed to rob your former customers for every single isk they deposted while attemting to appear "legit"? Btw, which director or member of the board is going to be "discovered" in misconduct next? Your argument is logical and well thought out, without flaw. You win internet forums for today. My money is on Omber Zombie in the kitchen with a spatula. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.13 05:28:00 - [10] The IP address corresponding to Mr H's accounts resolves to his company website, which lists his personal details. If we were to post it I believe through that connection we would be in breach of both our and CCP's ToS. However by stating that two characters share the same IP we are in breach of nothing, I could just as well advise you they share the same breakfast cereal. I should step in here and say that Anastasia Heron did add the missing interest payments from the previous six months to the asset total, and returned assets plus ISK to that value, less her account balances. I can't login to the bank forums currently, when I can I will post the breakdown she gave. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.13 06:09:00 - [11] Originally by: Maestro Del'Tirith Has the new board considered putting up an announcement asking people to 'claim their isk' - perhaps via inputting a withdrawal for it or similar measures? Ah, thanks, I knew I had forgotten to reply to one of the decent posts. Yes, we have. In fact I have scripted a procedure to dump all ISK into a suspense account, with the idea that this account would only allow transfers back to your sweep account, and from there you could request a withdrawal or transfer to another player. We're also contemplating requiring people to provide their limited API key in order to transfer the ISK out of the suspense account. There are arguments for and against this approach I'm sure, feel free to voice yours. Originally by: Maestro Del'Tirith Separate from this, have their been considerations for removing interest and counting balance as only principle (a la FDIC insurance), to see what sort of picture that paints? We're aiming to provide this as an option. Other than that, if we completely removed interest it would move many accounts into the red. As to what effect it would have on the overall figures, the public financials list the total interest paid on the loss analysis sheet, minus that from the 2.013b ISK on hand and you'll have your answer. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.13 10:14:00 - [12] Originally by: Brock Nelson What differences does the API key make? It would boost CCP revenue by requiring people to activate an otherwise dormant account. We're attempting to blackmail them for a cut of those earnings (converted to ISK of course), but LV and OZ didn't manage to get many compromising dev photographs at fanfest. And, tbh, if you're willing to release a video like that on to the internets, there's probably not much that you would find compromising. The only benefit I can see we would get is from preventing people with banned accounts being able to login and withdraw their ISK. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.13 15:42:00 - [13] Originally by: Solisk Originally by: Solisk Is it possible that Mr. H made more fraudulent deposits in the past to other alt accounts? I thought this was a fair question, didn't see it answered though. Sure it's possible. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.14 05:39:00 - [14] Look ma, I have an opinion. I'll get to the relevant questions tonight. In the meantime I'm off to fake more IP addresses... To clarify, no one is saying we're using IP addresses as evidence, it just came up in the topic for some reason. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.14 10:32:00 - [15] Originally by: Frenden Dax Ray, question: is there an updated version of the EBANK public financials spreadsheet? I'm curious as to how recent developments (Mr. H and Anastasia especially) have altered the situation. I think I updated the Anastasia theft, that would reflect in the Venture investment amount. I'm holding off adjusting account balances (such as Mr H's and various loan defaults) until we can do them together. At a brief glance, the ISK gained from wiping Mr H's accounts will be negated by the loan defaults we have to write off. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.14 11:01:00 - [16] Yeah, let's all burn KIA at the stake, that'll fix everything, Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.15 06:10:00 - [17] Originally by: LaVista Vista KIA has always been a fairly large customer for EBANK. At some point, they wanted to take out another loan for some alliance stuff(Funding alliance building and selling or whatever). Given the track-record, the board agreed to extend this loan. The alliance program was an operation that several corporations had access to, one of them are known as "Divine Power". Basically they decided that seeing some odd 250bill worth of stuff in a hangar was too much, and they nicked it. That's the very simple outline of what happened. There's a few minor details, however they have no impact on the reasonable conclusion, which is: KIA did not act maliciously towards EBANK, but was a victim just as EBANK is. LV, that's not quite the story I've been led to believe, or from what I've managed to piece together from what's on the forums and various conversations. My surmise was that the loan was given directly to a director in Divine Power (exernastia), with KIA (read Eddz) acting as a guarantor. Divine Power left KIA along with it's alt corporations, Divine Creation and Neverever Space, and defaulted the loan at the same time. For whatever reason. Eddz being a **** isn't really a justified reason though. KIA then refused to honour the guarantee, stating they had only agreed to guarantee it whilst DIV was in KIA. Which to me is total BS, but what you gonna do? The situation we're now left with is a lot of he-said, she-said. From my standpoint, I see two guilty parties, reparations are being sought from both. People can feel free to jump in and correct me on any of the above statements, this thread is now about that loan. Titan BPC Auction \| Some people call me the space cowboy, yeah
Ray McCormack Kisoken Innovations	Posted - 2009.10.21 06:26:00 - [18] Boy, I sure hope my rep can save me. Titan BPC Auction \| Some people call me the space cowboy, yeah

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