The Notorious Banker

I wanted to have a discussion about something that bugs me now that interest rates are going up. Will bankers and their high sales goals run the red light and still try to oversell clients into buying a home even if they aren't in an advantageous position to buy one? It was easy to sell home loans at BofA in 2016 when I bought my home at a 3.5% posted rate, even though my wife and I didn't get that rate. With it being that easy, I know big banks will still have their goals as high or higher, even though it may suck for the average person to buy a new home.

My parents got a loan at 10%+ in 1987

My mom got a second home loan at 8.5% in 2000

We are getting there to those rates soon.. does that mean there's a whole generation of people who wouldn't be able to truly afford to buy a home and will bankers still try to push it on them anyway? 

30 Year Fixed Rate History

BofA Mortgage Rate Calculator

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

Today's episode discusses the interesting news from the Big Apple that New York City will not do business with Wells Fargo based on their discriminatory loan practices. We discuss how that means thousands of accounts and how Wells may be viewing this letter that was sent to them. It all comes from the report that more than half of Black homeowners got their refi applications denied in the city, which is horribly wrong.

Then we talk about the news that a call center in Arkansas had up to 10 people arrested for being the masterminds of a plot to steal nearly $3 Million from California Unemployment EDD. I discuss how I was right on the money and what was so interesting is that people are still without their unemployment money. 

Just another day in paradise

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

CooglerBofABook.com

It's a secret no more. I have written a book about a story that broke on March 9th. I wrote "High-Risk Transaction" in 5 days to tell the story of what the hell happened to Ryan Coogler, Director of "Black Panther" and "Creed. How does one go from standing in line at the Bank of America in the tony Buckhead district of Atlanta, GA to get money out to pay an employee to being arrested for attempting to hold up the very same bank? It's bizarre. My book explains why it happened, the COVID-era issues that made it possible for something like this to happen, and how the police and racism play a part in this as well.

$8.99 for Kindle, $13.99 for Paperback

I also discuss the Baby Storme Issue that happened at Citi in Los Angeles a couple weeks ago. It went super viral on Tiktok, and I went viral as well as I demonstrated how they could've better helped her instead of threating to have her arrested if she didn't delete cell video footage of her interaction with a banker who said they would keep the check she was depositing because they "Couldn't verify it". More to come I am sure.

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

Well, Anything interesting happen at Bank of America in the last week? 

Oh yeah... The brief arrest and detainment of Award-Winning Major Hollywood Director Ryan Coogler outside of a Bank of America in Buckhead, Atlanta, GA.

Location of Branch (Google the address and leave a nice tasty 1 star review)

NY TIMES ARTICLE

I don't discuss the news story itself, but mainly all the teller/manager issues that they fucked up on, and how Bank of America literally used the same playbook it always does to deny service to people of color on a really wealthy, famous guy. 

I go down a list of 8 bullet point facts that I have posted on my YouTube Channel (Please Subscribe)

Check out the 2 hours compilation of extra footage of this incident that I obtained from the City of Atlanta

It's a complicated story, and a volatile one... So much so, I got temporarily banned from TikTok as a result of it. Bank of America is upset that I am talking about this story and breaking down all the issues that went wrong with the transaction. I am in the process of getting the account back. In the meantime, a contribution to my project would be great to help me continue to fight back against big banks!

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

23,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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

Awesome Article by Stacy Cowley and Lananh Nguyen about a topic you know I love to talk about:

EVIL ZELLE.

I have discussed my past with Zelle as a banker, the nearly $2 Million I have helped people get back from big banks with Zelle being a major method of clients getting burned, and how much I wish big banks had a "hard opt-out" for people who choose not to partake in Zelle. This article discusses how big banks are basically victim blaming people for Zelle fraud, along with the bigger issue of not refunding them despite Reg E being there to help consumers. I also tell a story that is currently happening with my Aunt's gf and Zelle/WF and how she fall victim to someone who hacked her account and a bank who basically called her a liar while overselling her a new acct on the basis of "fear" of it happening again.

I also give some very salty commentary about Zelle going forward.

Plus, I briefly touch on VISA and MC pulling business out of Russia, and how that it would impact many small business owners in Russia, and some people here in the US in very....unique ways. (Read: Adult)

Article here

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

23,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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

Great Story by AnnaMaria Andriotis of the WSJ about a phenomena that has been occuring at a lot of banks. Independent ATM owners, also known as owners of those little non-branded ATMs you will see at your nearest low-end gas station or hotel are getting their relationships frozen and/or closed out at big banks, including BofA and Chase. Most big banks cite their policy about opening accounts for "MSBs" (Money Service Businesses) as a reason to deny services, but it is leading to ATM owners not having money to pay the bills and also when they find a bank to do business with, the high cost of fees makes it not worth their while!

 This article hits home as I grew up in a pass-through town where people stop to eat, use the restroom and maybe get some money and gas at the local gas station. I also have had clients at BofA that owned ATMs. I tell the story of "Miss Betty" in this segment... and how BofA froze the assets of an older lady citing risk management, impacting her banking and paying bills for months.

Also, in a weird 180, I kind of push back at the main people in the story, and how they claim they were blindisded by the rules after 21 years, and how BofA who froze their accounts was just as at fault because of lack of asking questions by a banker. I explain why.

Finally, I am also pushing back at the notion that owners of these ATMs are heroes serving the underbanked simply because big banks ditched 

Update: I had a segment about the racial profiling incident that the rapper Boosie Badazz had inside BofA Last Friday, but the quality was horrible on the audio, plus I sounded tired and high, which I was only one of those things (tired).... I had to cut it because it was horrible to listen to at the gym, but I WILL reRecord it and post it on the next one!!!

Meantime, here's the links for the incident, including my takes on it using my tiktok vids.

Youtube Video of Boosie Bank of America Incident in Full

TNB Video 1

TNB Video 2

TNB Video 3 

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

23,000+ Followers on TikTok, Twitter and Instagram

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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

Thank you for over 20,000 followers across Tiktok, Instagram and Twitter.

Today's podcast deals with a lawsuit filed which Bank of America is accused of withholding fee refunds during COVID after promising in a March 2020 news release that they would help people. I mainly discuss how this podcast predicted this over 2 years ago, because Bank of America's refund tool is outdated, horrible, unhelpful, and ties refunds of customers to performance of employees. I also discuss how re-reading the BofA News Release, there is some funky language in there which I could see them using to back away from their promise.

Reuters News Article on Story

Top Class Actions Article 

Plus, I briefly discuss the viral Woman Jumping the teller counter Video at a Chase bank that circulated this past weekend, out of Buford, GA. I discuss why everyone had the reason for the altercation wrong, what the associate did wrong, and why I think people need to understand that how it was originally portrayed could not have possibly happened in any circumstance.  CBS 46 Article about the incident.

Finally, I talk about Smoothie Boy, James Iannazzo. He had a court date and a hearing about his job prospects and licensing. He has not had a good week. I will explain what's next for the peanut butter hating individual.

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

17,500 total followers on TikTok and Twitter!!!

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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

Thanks to all of you for making my social media pages thrive. 17,500 followers over TikTok and Twitter:

Today's topics:

- Nick Jonas started following my socials. How that makes me more motivated to create more big bank content.

- I discuss an ABC San Francisco story where a man deposited a $33,000 check at a BofA branch in Oakland only to find out it never posted, and the branch ended up shutting down, albeit temporarily. The story, which is located here, discusses the apathy in helping Mr. Leonard look for his huge cashiers check that was intended to be used to fix up his kitchen. I break down what went wrong from my own experience closing a branch down, the apathy from the other bank managers and how that should be fireable, the fibs I personally believe the client is telling, not that it matters with this case, and also what EXACTLY could have been done way better!

- Plus, I discuss an article from Bryce Covert of The Intercept, which focuses on PPP Loan Forgiveness, and how BofA is making it impossible to get full forgiveness with them. I discuss how the rules are being used in BofA's favor to screw these people over... The incredible stress the small business owners must be going through, and also I discuss how I spent 2020 helping people through the hoops of getting loans with the knowledge that this would likely happen in 2021 as they do crazy insane, and unethical practices in any type of loan they give out. It's complicated but definitely something that needs to be discussed

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

17,500 total followers on TikTok and Twitter!!!

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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

This podcast is dedicated to James Iannazzo, who was arrested for verbally abusing a bunch of teenage girls in a smoothie shop in CT. The man is a now former Bank of America and Merrill Lynch FA, which means he holds a lot of money for a lot of rich people. The video of him assaulting these girls, went super duper viral this weekend, with even yours truly getting over a million views, 100,000 likes and 3000 new followers!

In this podcast, I discuss the why of him doing it, the flaws in the peanut allergy story (read the smoothie menu for PB drinks to see why), how Twitter is dominated by him, the workplace culture of BofA and ML and how this led to that, and the conversation about social media and how this thing went viral in such a way, Bank of America had no choice but to fire him.

Boston Globe/Bloomberg article

My Tiktok Lampooning his Jail Time (Parody)

I also talk about how this amped up my social media numbers to something I have never seen before. I am a provider of content about this man.

Unfiltered opinion about this case on here... check it out

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

17,000 total followers on TikTok and Twitter!!!

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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

We discuss Carolyn Said's story in the San Francisco Chronicle about Margarita Bekker, who was charged $10k for a cab ride, disputes with Bank of America only to be told it was a legit charge. I explain what happened on the bank side, and how the bank only helped her because she got through to the media.

I then discuss Wells Fargo getting rid of "overdraft-related fees" but not Overdraft fees... Make sense? It barely does to me. I discuss how the things offered impact like 2% of their client base, and not the ones who need help the most!

I then briefly talk about MLB and Bank of America ending their partnership, MLB hooking up with Capital One, and how this will impact BofA Bankers, as it was a lot easier to sell customers items that had their favorite team branded on the cards. 

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

8700 followers + on Tiktok 3200 Followers on Twitter!!!

Buy My Book "PLEASE TRY YOUR CALL AGAIN LATER"!!! $1 of Net Proceeds will go to charity. 

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