2 Podcasts in 3 days. Just like pandemic times.

I am doing an "emergency" podcast to discuss the CFPB fining US Bank, based in Minnesota, $37.5 Million for issues pertaining to unauthorized accounts (some call them 'fake accounts') for customers between 2010 and 2016. This is in line with the timeframe of the Wells Fargo stuff. 

I read the press release which I chuckle at for many reasons.

CBS News Article about it

I also talk about conflating it to Wells. Wells Fargo and US Bank here are nothing alike, because WF targeted everyone, and US Bank here seems to only focus on high end clients and high end products which helped escalate pay...

This is an interesting story that needed context instead of trying to equate it with WF!

NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

Sorry about the delay.

I am working on a Zelle book and it has been hard to record.

Plus I talk about BofA Earnings, and how a $400MM amount was set aside to take care of 2 settlements. First one was something we talked about. $225MM fine for Unemployment issues. The other $200MM? For improper use of personal devices. I discuss the grey area that bankers have with customers info and talking amongst themselves. During WFH in 2020 with COVID sending people home to work, a lot likely happened to warrant this potential fine, which I believe ended up causing people to go back into the office more than anything else that was going on.

Plus, I discuss the direction of my BofA book in light of recent events that happened in my life!

NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

Our friend Caroline, who we met through social media posts made by Professional Wrestling Superstars is still fighting with Bank of America as of now. She was the victim of fraud using Zelle, and Bank of America is not only not helping her, but blaming her for their gaping holes in the product.

The groundswell of support she has from her wrestling friends that have more of a reach for me got her a news segment in the Orlando area where she discussed what happened to her with WESH 2 (NBC).

In this segment, I talk about how Zelle's and BofA's responses are full of it, and how the fact that Caroline had been called by BofA for legitimate reasons weeks prior actually triggered her automatic trust that she was talking to a real BofA associate. We really get into accountability in this podcast along with my solution to save banks and people millions of dollars often!

Plus, I also talk about yours truly...What else is new?

I was able to save a home loan over $260,000 for a listener/follower of mine after their bank left them at the altar during the closing day. They literally left him at his lawyer's office without telling him they didn't want to do the home loan. A blind DM and 2 days was all it took to get me to help them save their home loan with the bank. It was one of my biggest scores ever! I am so proud of myself :)

I try to tell you what happened without too much detail :)

Plus, I discuss the direction of my BofA book in light of recent events that happened in my life!

NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

Caroline's GoFundMe

In this podcast, I have one topic. Caroline in Florida is a victim of 2 things: Zelle and BofA apathy. Caroline was scammed out of her life savings by a spoofed BofA call that Bank of America acknowledges is prevalent these days. She lost tens of thousands of dollars.

Caroline is a makeup artist and hairstylist with IMPACT Wrestling, one of the larger orgs. for Pro Wrestling in America.

I found her story by seeing tweets from Gail Kim, Eric Young, Jordynne Grace and Angelina Love, all HUMONGOUS SUPERSTARS in their field.

I always mention I take a lot of my bravado from Pro Wrestling and realize that effectively communicating to people like a pro wrestler does gets you noticed. I am using this today to share Caroline's story.

This is a person who works hard every day, and is DAMN good at her job, as the high-profile colleagues that have shared her plight can attest! She is not asking for a handout, but merely for BofA to help her with her claim, as protecting her money is supposedly one of the commitments they give her and their clients. 

I discuss why I am not a fan of GoFundMes most of the time, except in this case... I also discuss what Caroline and any victim of Zelle needs to tell their bank. 

I hope for great news for her soon! I will keep you posted!!! :)

NB Has recovered over $3 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

Bank of America impacting a bunch of disenfranchised people? Who would have guessed. The bank known for this did it again in Houston, TX, cite of some notable BofA instances in the past. A family of Afghan Refugees, who left during the uprising that led to the Taliban being in power again last year, were impacted by one of the world's largest banks in a silly way.

So after the stay in a camp in New Jersey, the Khairkhan family set up shop in Houston Texas. When Khairuddin, the father, went to the BofA in Houston to cash the check he was given by the US Treasury (IRS), he was told that he could NOT do so, and was told he had to open an account in order to do so (Lie #1, government checks are to be cashed no matter what by non-clients and clients alike). He did just that, and in some bizarre sequence, the teller ended up putting the check in the wrong account with a man with a similar name.. 

Makes no sense, because the slips are pre-printed with their account numbers when opening an account. Either the teller used an alternate way to end up making the mistake or someone is hiding something. Nonetheless, the money went into the wrong account on April 1, and as of Thursday, Khairuddin didn't have the money, and a couple of people I met on Twitter, Mama J and David Godwin, who were helping these folks chimed in, which I responded.

Within 24 hours, and without my help, they got the family on the news, on ABC 13 in Houston in which BofA finally apologized and promised to fix it, although their statement leaves something to be desired in my opinion about what they are actually doing to this family. In fact, I feel they are still being profiled.

I break it down from all angles, including my experience with NRAs (Non Resident Aliens), account opening, making mistakes, and how and why a manager does or does not help in these cases.

Plus, I discuss the direction of my BofA book in light of recent events that happened in my life!

NB Has recovered over $3 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

Today, I discuss Patrick Rucker's reporting on Bank of the West, and how a secret deal in 2017 to curtail how many overdrafts a customer can get there may do more harm than good. I discuss how the arbitrary $1000 limit led to accounts being closed and customers being unbanked. While the intent was meant to help them out, it can create further problems through chexsystems, which most banks use to approve accounts for clients.

I also discuss the "sales pressure" of pushing your clients to link their checking accounts to ODP, and how it's an easy way to drive revenue, because although you are no longer gathering overdraft fees, you are then getting clients to get charged fees for the act of ODP happening. It's a complicated story as Bank of the West is headed towards a merger with BMO HARRIS bank.

Plus, I recover $1500 from Susan in DC. This is one of the first times I let a media member into my methods of helping people, and I discuss my interaction with her, tips I shared with her to help her, and frankly how big banks do NOT research your fraud claims, and also worry more about call time length than fixing your issue. I got done in 1 day what her bank, BofA, could not get done in months with my "Customer Service Strategy" or "Vigilante Customer Service". I also discuss how her filing a police report to report the robbery of her car, and the subsequent denial of her claim is basically BofA telling her SHE is a criminal for filing a false police report, as the denial of her claim happens despite her affirmation to the police that the crime committed on her DID happen. It's a mess, but we got it done! :)

NB Has recovered over $2.7 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

In this episode I discuss issues with deposit ATMs. WSB-TV Reporter, Ashli Lincoln did two stories last week about issues at 2 different banks. First, Bank of America and their crappy ATMs stiffed a young man of $200+ and as of today, they are still giving him the run-around. It's horrible.. Then a second story of a Military Widow depositing a $26,000 check at the ATM at a Truist Bank (Formerly Suntrust and BB&T) and never getting credit for it plus how she interacted with the ATM Technician and some of the do's and don'ts on that.. Both happening in Gwinnett County, GA. Of course, the Atlanta Area is where my book is based about the Ryan Coogler Incident

I discuss what the clients did wrong, why they are NOT being helped, and my opinion of deposits at ATMs as a whole.

Then I discuss at length my second victory over the State of New Mexico with NM Unemployment. I was told it would be a year to get my money I have been waiting for since 2020, and I turned that year into 15 days with my aggressive #vigilantecustomerservice where I used an old bank trick to make my battle public and cause the State to cave in to me. It was so rewarding, and I discuss my future now that it looks brighter!

NB Has recovered over $2 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

NYT Super Reporter Emily Flitter outlined in a story published last week about how hiring practices at Wells Fargo are meant to target diverse candidates, but end up being more than lip service.

I discuss how this parallels my experience at BofA, and I explain how since the majority of the people interviewed in the article are with WELLS FARGO ADVISORS, how the clients, namely RICH RICH PEOPLE actually dictate how you hire based on their surveys and influence. 

Plus I talk about FOX 26 Fresno Reporter Marie Edinger's report on EDD Fraud which occurred on a poor woman to the tune of $16,000. I discuss how we shouldn't call these "fraudsters" and "fraudulent withdrawals" but I discuss how the crime occurred on Janyce in the story. One thing I discuss is how leaving the cash in the card is actually the worst thing you can do, how BofA treats ATM fraud claims. How the wording on the claim dictates if it gets approved or not. How people don't believe this fraud is possible although a 1991 movie featuring Arnold Schwarzenegger showed us it was easy even then. I also discuss how the narrative that chip cards would protect clients is false, and again I reiterate what chip cards actually protect (Aka NOT YOU, the merchant) and I mention how Marie's report will lead inevitably to the bank magically doing a 180 on the claim, and this lady will get her money back

Check out this report.

NB Has recovered over $2 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

First Topic: Patrick Rucker, who I am fortunate to have chatted with a time or two has a report in The Capital Forum (Paywalled) where TD Bank Sales Practices were detailed and mimicked similar environments at BofA and Wells Fargo. The previous Presidential administration opted not to fine TD for these incidents, instead choosing to privately "reprimand" them.

In this segment, I discuss how TD Banks "experience" as detailed by former and current bank employees is almost EXACTLY like my sales experience at BofA.

Second Topic: An Awesome Houston Chronicle article by Yamil Berard (Paywalled, but you can view it for 99 cents) about a Texas couple who applied for and received a BofA Alaska Airlines Credit Card. In a span of a few months, the credit limit increased, against their wishes (I talk about how it was irrelevant whether they wanted it or not according to the cc agreement), got fraud on their card made by suspect "international travel" companies totaling over $17,000, filed a claim with BofA and lost, with BofA using their patented "We know your device was used for this" scam.

Yamil's Twitter

I talk about all the things that Bank of America did and does wrong on fraud claims like this, how great reporters like Yamil are really the only way that the bank refunds clients, while others in the same boat who don't talk with reporters lose out often, and to be fair, I discuss how the elderly couple in the story handled it incorrectly, which likely prolonged the torture from Bank of America. My podcast is here to analyze these stories in order to better fight back against big banks, so any critique I give is made with love in the hopes that it NEVER happens to you at a big bank!

NB Has recovered over $2 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

27,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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

I discuss a couple simple topics today

With interest rates set to go up really high, one conversation I know is going to happen is "Why is my savings still yielding 0.01%?"

Secondly, I talk about Bank of America getting fined $10 Million for improperly serving legal orders to clients on behalf of other entities and taking their money essentially. I dealt with this issue a lot inside a branch, and I saw the ramifications of it, so I will explain to you WHAT THIS STORY MEANS, and why you should care about it!

NB Has recovered nearly $2 Million from big banks back to consumers, with nearly $500k of it being Zelle fraud!

25,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "High-Risk Transaction"

Find all my social media and other links at:

TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!)

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