The Notorious Banker

The Notorious Banker has helped 3 people get PPP Loans through Bank of America's gauntlet this week.

My sincere thanks to the following businesses who I helped get through the hard stuff and get these loans

White Spider in Portland, OR

Maine Academy of Gymnastics in Westbrook, ME

Isabel O'Neil Bridal in Tampa, FL

Working on 5 more across the US. We will work hard to get this done for these amazing American small businesses :)

I discuss why BofA's decision to donate all PPP Profits kind of influences how hard they work, since they are working for nothing.

Plus, I get into how their low-ball offers for applicants mimics how they do auto loans, or should I say discourages clients into getting auto loans from them.

Finally, I discuss a news story in Tampa, FL where a customer held a "sit-in" for 6 hours to get help with a PPP Loan, and BofA BS'ed the client and the reporter with the phoniest email address ever: [email protected].  LOL

Then,

I get into the worst email a BofA exec has ever sent my follower. My friend Seth asked New Hampshire Market President Ken Sheldon for $14 for a monthly fee refund, and the reply back essentially tells Seth that because Amazon, Netflix, Peloton, booze distributors and baking companies (Not banking, BAKING!) are succeeding that using the Coronavirus as an excuse for a refund is not valid.

Plus he mentions that since BofA is investing in charities nationwide, that they NEED Seth's fee to make that happen. He also mentions BofA PAYING for employees lunches somehow keeps them safe from the virus. (???)

Here's a sample quote: "to broadly waive fees to even those that don’t need the help at this time would be impractical and disable our ability to help those in true need."

You gotta listen to my bank voice version of this! Haha

Email screenshots are here and here

I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE!

Check it out!!!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

Vigilante Customer Service Strikes Again.

One of my most satisfying rescues ever.

Yours Truly, The Notorious Banker RESCUES $1200 from Bank of America and Zelle and gives it back to Taylor in Vegas.

This was a stressful one, but we got it done.

Taylor only uses Zelle for one person. One day, her Zelle is hacked, and $1200 is stolen. BofA tells her to wait 10 days (a lie) before filing a claim, and then denies her, citing they sent an authorization text. This is where I get involved. We reach out to Al Welch, who is best known for taking pics of him "building houses in a full suit with shoes not even the slightest bit dirty" and we get nowhere. So we reach out to someone named Chris Godbey.

He seems nice at first: Email here

Chris Godbey, the market leader then "ESCALATES" it to someone with absolutely no resources to help Taylor, and is stuck in an office on the phone for an  hour to be told that they can't do anything without proof that she never got the text. When she provides phone records showing no text ever happened, they change their story, and say that it was "her IP address" that showed that she in fact initiated it. A claim never before heard. When She emails Chris Godbey again, she is met  with a brick wall, citing the company line that she in fact got an authorization code for the stolen Zelle Transfer

Email Here of Godbey's Robotic response

Seemingly hopeless, Taylor and I contemplate giving up, until we reach out to 8 News Now in Vegas, and their Investigative Reporter, Vanessa Murphy with a letter that I crafted and had her send, CC'ing Bank of America in it stating all the bullshit things we know about Zelle and BofA claims. Bank of America bowed down like the dogs they are, and didn't even have the courtesy to call to say it was refunded. She had won.

 In two days, she gets her money back, and here we are celebrating!

It's a long story, and I spent over an hour on it, because it was the most meaningful rescue in a long time, because we went from hopeless to finding a new way to scare Bank of America. 

BANK OF AMERICA FEARS THE NOTORIOUS BANKER

$660,000 RESCUED SINCE 4-1-19

I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE!

Check it out!!!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

Woke up Friday Morning to a press release from the Federal Reserve that was Retweeted out by Notorious Banker Follower @kentumin which mentions the suspension, or at least the recommendation to suspend Regulation D, an 80+ year old rule that actually impacts more bank customers now than back when.

Ken's Story

Long story short, it eliminates the penalty of using your savings account more than 6 times a month, a penalty that happens a lot more often with the advent of mobile banking and the relative ease of moving money around with that tool. I discuss my very first bank account when I was 15 years old, which introduced me to Regulation D to the tune of $81 the first month I had the account. How that delinquency actually delayed my employment at Bank of America ever so slightly, and how I used to find creative ways to circumvent the rule with the customers I opened accounts for.

Regulation D was a big reason why I dislike savings accounts, and now, it's likely gone for good, although big banks don't have to abide by the recommendation!

Short but very sweet news bite that impacts a lot of people

Wikipedia on Reg D.

I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE!

Check it out!!!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

With the Paycheck Protection Program loan program in shambles and awaiting money for the next wave of loans, I reminisce about 3 different small business stories I witnessed in my 13 years of Bank of America employment.

- How Bank of America seemed to always close Asian nail salon business accounts, leaving some of them with the inability to bank.

- How an ex-coworker and friend of mine had her side hustle, Cutesy Cakes, squashed by a irritable manager who tried to suppress her fiscal independence fight, writing her up and firing her.

- How one of my favorite customers committed suicide 4 days after I put in a request to have a Small Business Loan Specialist call him to discuss loan options for his Hot Dog restaurant, Chicago SW. That one still haunts me to this day.... More info

Plus, I talk about my upcoming 37th Birthday on April 21, and just think back to all the birthday interactions with my branch coworkers and how it was tension filled and uncaring the way the "office birthday" scene was created.

I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE! 

Check it out!!!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

We had a record breaking week discussing all things stimulus checks. People waiting for a long time, people blaming the bank and people just waiting to catch up on their bills. One follower tweeted at me about a weird credit that came with his stimulus check, and it blew my mind. Bank of America fronted him the money that he was overdrawn to make sure that he got the full amount of his stimulus

I have never seen that before. Here's a video of me talking about it, with my mind blown.

Now, all big banks are doing it, creating a payday loan style credit, which will be due in a month, when theoretically we can still be broke and in quarantine! It's insane.

Story by Imami Moise from Reuters Here.

I talk about how more overdrafts can happen because of autopays that will happen from certain companies like Netflix or Gyms. It's a scary notion, and I call for banks to permanently credit these differences!

Plus, I talk about the PPP Loan and how the loan dollars dried up, with BofA customers stuck in "processing". Twitter was ablaze with angry people who were stuck in limbo, with BofA being accused of ignoring calls, emails and questions about what documents were needed to fund these loans. Now, with the money gone, BofA claims apps will still process. Reminds me a lot of my home loan process in 2016. I discuss my thoughts about how BofA impacted their loyal customers and don't give a shit about loyalty. So maddening.

Newsday Story about PPP Here.

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

Stimulus Checks are coming! 

$1200 is coming to all of you who are expecting it from the Coronavirus Economic Relief

Learn how a STUPID TWEET from the IRS has made people insane on Twitter this weekend! Money doesn't move on Saturday!

I also give some big brother-ish advice on what to do with your money.

News about the Stimulus Deposit

PLUS

My Vigilante Customer Service has recovered over $640,000 including nearly $2,000 for Jennifer from Arizona. She had her card stolen, Uber charges racked up, and Bank of America BLAMED her for logging in too much to her online banking. BS! I fought for her, and two days later, BofA submitted, and she got money back into her account. Vigilante Customer Service Strikes Again!!!! Video here!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

What a crazy last 4 days!

Thursday Night - Bank of America suddenly lists requirements for the Paycheck Protection Plan Loan (PPP) on its site, and they aren't good. They require a longstanding "CREDIT" relationship with BofA on top of an account with them. Nearly all of the business clients I dealt with in the past couldn't get approved for lending with BofA, so they were being shut out. I was pissed.!

In 3 hours, I got hundreds of thousands of hits on that post, and Twitter became madness Friday morning, with hundreds if not thousands of BofA Clients voicing their anger. 3 hours after that, CEO Brian Moynihan on CNBC mentions, they have "relaxed their requirements to getting the PPP Loan, eliminating a credit requirement" but the damage was done with all the bad PR. Score one for The Notorious Banker who's millions of tweets and RT's helped make that anger go viral! :)

Article detailing Friday's Issue From the Inquisitr

I also talk briefly about how President Trump and his Tweets and remarks supporting BofA caused work for The Notorious Banker to be screwed up because Twitter was a mess of pro and anti-Trump people arguing about non-bank stuff on a BofA tag...No politics, just my frustration by the flood of tweets.

Plus, I discuss how Wells Fargo closed their PPP Window before it ever freaking opened on Sunday, and how it left thousands of SB owners stuck.

I also talk about how they are blaming the government for punishing them by limiting their assets for their fake account scandal as a reason they aren't helping. BS!

A really complicated affair.

Plus I talk about my upcoming video content. Stay tuned for that!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

I decided on April Fool's Day to tell the most personal story of my journey. 

Wanted to share it after a poll about people drinking on the job STUNNED me on my Twitter!

My relationship with alcohol is a weird one. I never drank in high school or college, and barely drank as I got into the working world. Wasn't for me.

Then I worked at Bank of America  and the stress-induced environment led to parties with co-workers that got people arrested and forced them to quit. I used alcohol to fortify my self-confidence, as I was overcoming shyness with women, sales, and the banking world. I partied too much as a kid, to the point of a nervous breakdown and starvation.

 After a move to Las Cruces, NM, I used alcohol to make me forget of the verbal abuse the bosses of Bank of America launched on us on a daily basis. I would go on these benders with an old co-worker, Annette where we would drink to forget how much we hated it. That manifested into a weird personal relationship we had that was around for years until my November 2015 Suicide Attempt in Las Vegas, spurred on by a text message from Bank of America managers on my vacation.

 I then talk about my fight to get rid of booze from my life then, as I only used it to numb the BofA stress.

 One relapse since then. After my niece died, and they refused to let me leave the branch because no one was around to open accounts, I binge drank the day after she died and didn't face the issue face to face. Last drink I ever had except for other Vegas trips with my wife, and that was the day I stopped caring about Bank of America.

Bank of America was nearly the only reason I drank from 2005-2017. I'm a teetotaler otherwise. Thanks for listening.

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

Thanks for the 150 new followers @BankBetterGuy!

 I discuss a freaking insane news article from Business Insider that was shared with me by a follower (Thanks Jerry) about Ex Wells Fargo CEO Richard Kovacevich mentioning we need to "get back to work" in the wake of the Coronavirus Scare and that "Some may get sick, some may die". Learn why I think (as if you don't realize yourself, that he's batshit crazy.

Plus, I talk about Bank of America's insane week of talking about Coronavirus Relief and the things they offer in their news release. Of course everything is on a "case-by-case" basis, and doesn't actually promise you anything other than you can request help (Doesn't mean you will get it.)

Learn how everyone found out skipping 3 months of payments with no negative impact is good, but that you would owe 4x your payment amount in 3 months!!!

Learn How California Governor Gavin Newsom lit into BofA, sending Twitter on fire, and getting me restricted

See how British Comedian and CBS Late Night Host James Corder got into the debate with Tweets Here and Here

I also talk about a claim made to me by a teller that BofA is burning them out of their hazard pay.

If you have any info on that, please call me at 575-322-4127 or DM me or [email protected]

Wow, what a crazy week!!!!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright

More CoronaVirus News from Bank of America and Chase. Both Banks gave "hazard pay" to it's front facing associates. I was appreciative of the gesture, but at the same time skeptical of their claims.

Bank of America and Chase Limit Hours, But yet they are still Sales Pushing! I discuss that, and solutions to fix that!

A East Coast Banker leaked a outbound call scripting from Bank of America reeking of phony empathy and even INVITING PEOPLE INTO THE BRANCH SO THEY CAN SELL THEM STUFF!!

Yes, inviting them into the bank in the midst of all of us self-quarantining!!!! Unreal. Please check out the link above.

Plus, I got to rescue a big amount of money from Bank of America

Jessica had money for her business payroll stolen by evil a person through evil Zelle. Bank of America never bothered to look at her claim, denying it immediately, despite the fact Bank of America never saw that she never used online banking! 

I play a voicemail she left the VM Line!

Bank of America dragged her around, until she Tweeted, and within 1 day, I got her a conversation and her money back....with an apology

Vigilante Customer Service has rescued $606,000 in one year from Bank of America. Serving my followers every day!!!

MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker

Sponsors [email protected]  - Advertise your business with a growing, cutting edge podcast.

575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.

Our website http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright