The Notorious Banker podcast

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I Flip-Flop on Cannabis Banking + Great Bank Bonus Deals Out There 48:59

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I very rarely am anti-customer as you can tell by my content, but a local El Paso TV report about how over 100 cannabis dispensaries have NOT paid their State of NM taxes last year, has made me change my mind on allowing them to bank. Taxing pot has long been a talking point for pro-cannabis folks in their fight to legalize pot. While I am pro-legalization, and am happy new small businesses are popping up everywhere, I would say to be cautious before allowing them to bank just based on this news about the lack of tax paying. I feel seeking that business is more trouble than its worth, and I explain why. Plus, I talk about some awesome bank bonus offers out there, and why I plan to do a couple, and why you should do too, especially if you are looking to switch banks NB Has recovered over $4 Million from big banks back to consumers 40k+ Followers on TikTok, Twitter and Instagram ⁠⁠⁠Buy My Book "High-Risk Transaction"⁠⁠⁠ Find all my social media and other links at: ⁠⁠⁠ ⁠⁠⁠TheNotoriousBanker.Org ⁠⁠⁠ ⁠⁠⁠ ⁠⁠⁠Substack - "Consumer Beast" ⁠ TheConsumerBeast.com ⁠ ⁠⁠⁠⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠⁠http://patreon.com/NotoriousBanke⁠⁠⁠r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Goldman Sachs Wants Nothing To Do With You Scrubs and Your Apple Cards + Book Announcement! 51:58

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According to an article in the WSJ and Gizmodo, Goldman Sachs, the humongous Mega-Bank, wants out of the Apple Card and Apple Savings business. Facing tough earnings this week, a lot of people who are familiar with GS expect them to try to offload them to another bank, likely AmEx. In this podcast, I will talk about how I predicted that Apple Card would succeed like the GS and Apple CEOs said it would in changing how we use cards, although Covid had a big part of that as well. I also talk about how the bread and butter of GS is hedge funds, big companies, and rich a-holes, so the fact they want to dabble in little $500 credit cards never made sense to me. I discuss how they saw an opportunity, but realized it wasn't worth their time. I saw it coming in 2019! :) Plus, I talk about my new book, "Predicando" out November 13th, and how you can purchase it and help a worthy cause! :) NB Has recovered over $4 Million from big banks back to consumers 40k+ Followers on TikTok, Twitter and Instagram ⁠⁠⁠Buy My Book "High-Risk Transaction"⁠⁠⁠ Find all my social media and other links at: ⁠⁠ ⁠⁠⁠TheNotoriousBanker.Org ⁠⁠⁠ ⁠⁠ ⁠⁠⁠Substack - "Consumer Beast" TheConsumerBeast.com ⁠⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠⁠http://patreon.com/NotoriousBanke⁠⁠⁠r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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MyPillow Guy Gets Credit Line Cut At AmEx: Why It Is Banks Being Banks and NOT Political + BofA Pay Raise Evergreen Segment 47:28

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Mike Lindell, the loud, creepy guy who owns MyPillow and is known for his 2020 Election crusade or misadventures, wherever you come from, had his AmEX credit line slashed from $1 Million to $100,000. He cites politics as the reason American Express did it . As I have mentioned in many podcasts before, it's NEVER about politics, because banks want to make money with you. It is however something where if the line he was referring to has a points/miles/rewards system, and his successes selling old people foam pillows makes him millions, and he uses the line to funnel the purchases through there for free travel/cash back/etc and pays in full, banks HATE that, and that is likely the reason why it happened. They are losing money on his relationship so they try to cut ties. I explain why without defending the man. He can defend himself. Plus, my yearly Bank of America is giving a pay raise tweet. I explain how an announcement several years ago of a $25/hr minimum wage would have been awesome if they had just started paying them the raise when announced instead of making a press release spectacle out of it every damn year. Ugh. NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram ⁠⁠⁠Buy My Book "High-Risk Transaction"⁠⁠⁠ Find all my social media and other links at: ⁠ ⁠⁠⁠TheNotoriousBanker.Org ⁠⁠⁠ ⁠ ⁠⁠⁠Substack - "Consumer Beast" - ⁠ TheNotoriousBanker.Substack.com⁠⁠⁠ ⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠⁠http://patreon.com/NotoriousBanke⁠⁠⁠r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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How a Sign About Staffing Issues At a Local Starbucks Changed My Perception of Management 41:25

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Trying something different today. I am doing a podcast about something I would do a column on. The Starbucks near my house, inside a grocery store has not been open during the hours you would expect a coffee shop to be open lately. I am assuming it was staff going back to school and not being able to do morning shift. Last few times I have gone to that store, a homemade sign was taped to the door (I hate homemade signs btw) informing the customers of the store, "Due to lack of certified staff at Starbucks, we would be closed today" and in another case, opening late. The wording is such that it actually doesn't give me closure as a consumer advocate and customer service expert. It actually makes me thing of more questions, and for someone not enlightened as me, it gets them mad, which means they get mad at staff that is working at the store, or worse yet, take it out on future baristas who are hired to make sure the sign never exists again. It's a weird quandry, and I just wanted to talk it out to you, and give you a podcast. NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram ⁠⁠⁠Buy My Book "High-Risk Transaction"⁠⁠⁠ Find all my social media and other links at: ⁠⁠⁠TheNotoriousBanker.Org ⁠⁠⁠ ⁠⁠⁠Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com⁠⁠⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠⁠http://patreon.com/NotoriousBanke⁠⁠⁠r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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The Business of Dying: How My Grandpa's Death Has Spawned 2 Auto-Related Customer Experiences 35:33

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My grandpa passed on July 16th, and what I can help with, I have helped from afar in Las Cruces, NM, 150 miles away, with my mom handling the bulk of the issues. But she calls me out of the blue the other day and tells me that First Financial Credit Union who holds my grandpa's car note is demanding immediate payment without allowing his estate to go through probate. Also, Melloy Nissan told my mom to take the car into the dealership to fix an issue that was on a recall notice. The car was not driveable, so she paid $400 for a tow. Melloy in Albuquerque, 80 miles away says they can't help her with the recall repair and to pick up her car. Since Gramps died, she hasn't had time, so Melloy is threatening her with "Storage Fees" if she isn't going to pick it up any time soon. Dude... NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram ⁠⁠⁠Buy My Book "High-Risk Transaction"⁠⁠⁠ Find all my social media and other links at: ⁠⁠⁠TheNotoriousBanker.Org ⁠⁠⁠ ⁠⁠⁠Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com⁠⁠⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠⁠http://patreon.com/NotoriousBanke⁠⁠⁠r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Predicando Zamora 1937-2023 - Navigating the Business Side of Losing a Loved One - Banks and Funeral Homes 1:14:14

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I lost my Grandpa Candy last Sunday. He was 85. While of course we prep for the end always, it is never easy when it gets here. In this podcast, I share a couple personal stories about the day he passed, and the day after, which saw some interesting things at a local bank in Socorro NM where my cousins work and the bank felt a little...off. Plus I also talk about the sales pitches of being a funeral arranger, and how it is something I could never do because of my past experiences. You will enjoy this podcast... Listen in honor and respect of my Grandfather. RIP Candy Zamora. --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Emergency Podcast: Bank of America Fined $250 Million for Stuff for Shady Things…Shocker. 30:56

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Live from Fort Worth, a very truncated Emergency Podcast about Bank of America. Bank of America fined $200 Million by CFPB for unauthorized credit card accounts, double dipping fees, and so so much more. CFPB Article Here In this podcast, I explain that most of this had to have been when I was still there (I left in 2018) because aside from allegedly no sales goals now, BofA has internal controls in branches that almost eliminate this problem on a grand scale. While it still happens, I think a lot of this comes from years ago when the Customer Authorization Form was not a thing for bankers and they had checks and balances to get them and their bosses fired. It's a quick 30m podcast on my iPhone, check it out! NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram ⁠⁠⁠Buy My Book "High-Risk Transaction"⁠⁠⁠ Find all my social media and other links at: ⁠⁠⁠TheNotoriousBanker.Org ⁠⁠⁠ ⁠⁠⁠Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com⁠⁠⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠⁠http://patreon.com/NotoriousBanke⁠⁠⁠r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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The BigBankification of Smaller Banks and Credit Unions + Consumer Beast: Panda Express 1:20:04

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I am back from a hiatus! Thanks for everyone who asked me, "James... Where's your podcast?" Been busy and working through some writer's block issues, but I am here to talk about things I love...Like arguing about shitty customer service. First, we will talk about how a local CU near my house ripped out the Drive-Up mechanisms, installed full-service ATMs in its place, and became everything those small bank clients hated about a place like my former bank. I will explain how post-COVID, poor customer service has crept into smaller institutions, impacting their once proud reputation as being different that most banks! Plus, I describe an incident I had at Panda Express where I discovered that associates there fudge their wait time numbers to make it look like they are more efficient at the detriment of their clients, myself included. I am going to describe how a mobile order was allegedly put together and ready in two minutes, yet 15 minutes later when I arrived, my order was never started. I explain the managerial bad habits that led to something like this. I promise it is interesting. NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram ⁠⁠ Buy My Book "High-Risk Transaction" ⁠⁠ Find all my social media and other links at: ⁠⁠ TheNotoriousBanker.Org ⁠⁠ ⁠⁠ Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com ⁠⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠⁠ http://patreon.com/NotoriousBanke ⁠⁠ r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Louisville Shooting Thoughts + I Turned 40 Today!!! 38:51

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Hello All! Back from my book sabbatical to talk about 2 topics (While Under the Weather) I discuss my thoughts on the Louisville Bank Shooting and things that triggered me about how and when it happened, plus discussing how big bank policy would have never let that man in the door after getting rid of him. Plus, I talk about turning 40 years old today. HOLY CRAP! I explain what I feel about life as I turn this magical number. It's not always fun, but it is enlightening. NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram ⁠ Buy My Book "High-Risk Transaction" ⁠ Find all my social media and other links at: ⁠ TheNotoriousBanker.Org ⁠ ⁠ Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com ⁠ MY PATREON Page! For as little as $1, you can help James in his fight against big banks. ⁠ http://patreon.com/NotoriousBanke ⁠ r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Silicon Valley Bank Fails - Feds Take Over Bank with $200 Billion in Assets 27:11

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Crazy Breaking News: Silicon Valley Bank, a bank with hundreds of billions of assets, went into FDIC Receivership today , after a run on the bank starting yesterday, led by Peter Thiel and his VC Buddies. This left this bank reeling and the feds to come in midday (normally wait until end of business) and take over this bank. People's money will be available in 3 days, but needless to say this is a huge fall for this bank. Whoa. Blows my mind. Will have more on a future podcast but this one explains what it means for the laymen. Thank you so much! NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.Org Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Bank of America's Role with the Washington Commanders Story + BofA Sued for Misrepresenting PPP Loan Guidelines 1:13:14

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Back from a mini-sabbatical as I write my NMSU Basketball book to get it out ASAP. I discuss Bank of America's role in Don Van Natta's AWESOME story about the turmoil with the Washington Commanders team and the beef minority owners had with the main owner, Dan Snyder. At the center is a $55 Million Loan that Snyder took out with the NFL's backing without informing his partners, which is leading to an even bigger beef, and also has the feds looking into Snyder for falsifying information. Don can handle the NFL side of things, but I wanted to give my two cents worth on BofAs role, and how they likely felt pressured to do the loan without proper paperwork justifying the loan as to not lose trust in Snyder, his team or the NFL as a whole. I explain why the paperwork matters. I give an example of how an LLC signer can theoretically steal from his partners by creating another LLC and move money elsewhere, and the bank would not be on the hook for it. Plus, I talk about a lawsuit that alleges BofA gave incorrect information to business owners who applied for PPP Loans in 2020. American Banker has the story. (Paywalled, but you can read it for free with an email address) It was said in the complaint that the business owners were told 1099 employees were included in the calculating of PPP Loans, when they are not, leading to people not getting their whole loan forgiven as a result of information. I explain why businesses have an uphill battle to fight on this one, although I explain how BofA used branch employees working from home during COVID to test PPP Loans, when that was not their field of expertise. I also explain how goals/high sales pressure tactics likely had a hand in it as well. NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.Org Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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800mL - My Plasma Donation Saga 1:01:15

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As a lot of you know, I have been on sabbatical from my podcast and social media availability because I'm currently writing a book about NMSU Men's Basketball and a couple other things. Plasma donations are part of my supplemental income, and I have become a huge advocate for the process since I started donating 20 years ago. Recently, changes in center policy have caused the equipment to screen individuals of their vitals before they donate to be switched out. A $1000 BP monitor/Temp Checker was replaced by a shoddy $70 available on Amazon to everyone BP monitor with 1 star reviews as far as the eye can see. My arms are 19 inches wide. The cuff is rated for 16.9". The machine they are using takes batteries. They use rechargeable batteries which are not powerful enough to use consistently on the equipment and are also not recommended by the company who makes the machine. Yet, I am getting deferred based on all these factors, causing a huge dent in my income. As someone who fights for the little guy usually, this seems like something so easy to discuss, but as of right now, it has become a point of contention in my life. I have dedicated almost 11,000 words to it on my substack. I created a website for the content: 800-ml.com which is the amount of plasma that is taken out of me with every donation. Listen to me work through my frustration and try to find common ground to dispute this issue with. I am so frustrated. Back with a bank themed pod this week! Crazy week. Thanks for following! NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.Org Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Biden Seeks to Limit Credit Card Late Fees - Banks Have Lame Excuse Defending Them + Boy Band Member Posthumously Sued by Wells Fargo 43:10

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First off. PLEASE SUBSCRIBE TO MY SUBSTACK. I talk Bad Banks, Unethical Businesses and more in a Hilarious Way. Free of Charge. Tons of content. The Biden Admin. has proposed capping CC Late Fees to $8 per missed payment from as much as $41. It is in an effort to reduce or eliminate "Junk Fees". Big banks and their lobbying arms claim that lowering the fee will encourage more late payments and cause people bad credit. Umm.. Ok? I discuss how ridiculous that is, plus I compromise by proposing something that will help both banks and consumers in my eyes! WSJ Article Plus, I touch on a story I read online the other day. Pop Star Aaron Carter, who passed away recently is having his estate sued by Wells Fargo for nonpayment of $2800+ credit line . I briefly explain how the business of death is something that a lot of people don't know about and I give examples. Crazy week. Thanks for following! NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.Org Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Bank of America Makes Money Disappear With Zelle - My National TV Debut - Zelle Creating Payment Wallet For People to get Scammed a New Way 58:31

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First and foremost: Subscribe to my new Substack called "Consumer Beast" I will discuss bank issues in longform there, plus I will also rant about customer service issues in other fields! Now, let's get to the business at hand. Wednesday, January 18th, Bank of America had a major outage with Zelle, causing transfers that happened the previous four days to reverse, leading to negative balances and missing money. It was one of the biggest social media days of my existence, with some posts getting tens of thousands of views on Twitter and hundreds of new followers. I was able to make a debut on a national newscast as a "consumer advocate" and banking expert talking about it. Thank You Scripps News! I also was able to do a long form interview on a Youtube show called The Plainest Jane! Time Article about the story Yahoo News Article about the story My blog was cited in the Daily Dot's story as well I discuss what I think happened, and how BofA being apathetic to clients is par for the course here. It was ridiculous. Plus more news about EWS, The parent company with Zelle. They made a prediction of mine true. They are rolling out a payment wallet which will compete with Apple Pay and Paypal. Integrating customers bank cards in the app, The new unnamed Zelle Wallet will let clients pay for things directly through them. I am skeptical about the adoption of this by clients, coupled with the poor customer service with Zelle fraud that currently exists. I discuss why. Crazy week. Thanks for following! NB Has recovered over $4 Million from big banks back to consumers, with nearly $800k of it being Zelle fraud! 30k+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.Org Substack - "Consumer Beast" - TheNotoriousBanker.Substack.com MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Chase Bank Calls Police on Wall Street Journal Reporter in Phoenix + Wells Fargo Executive Arrested for Urinating on an Airplane... What?!?! 55:08

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Happy 2023! We lead with the story of Dion Rabouin, an awesome WSJ reporter who was in Phoenix with family over the holidays when he decided to do work on a story about low interest rates on savings accounts at big banks. The Chase bank he went to on 12038 N 32nd St in Phoenix asked him what he was doing. He told him. They said nothing. They called their corporate security and then they called the cops where an overzealous idiot detained Dion for 15 minutes despite never being asked to leave or anything. I discuss the role the branch had, but mainly how "The telephone game" with corporate security led to this, and how similarities to the Ryan Coogler incident are obvious with lazy lazy employees not actually trying to understand what was going on. I break it down like no one else can. Story from CNN Video from incident Plus, I dive into the story of Wells Fargo executive Shankar Mishra, arrested in India on charges he urinated on a 70 year old woman in a flight from New York to New Dehli and how WF did something right for a change. I discuss how ridiculous this story was. NYT Link Here NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Emergency Podcast - Wells Fargo Fined $4 Billion for Consumer Violations - What Does This Mean? 40:33

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Big news in the world of banking today. Wells Fargo, who set aside $2 Billion last quarter to cover any potential penalties that the CFPB would impose on them, got hit with 2x that amount, $3.7 Billion for those violations in a stunning news release by CFPB Read CFPB Release Here. Denying mortgage modifications, charging surprise overdraft fees, and illegally repossessing vehicles are just the tip of the iceberg with Wells Fargo, who was called out for not fixing their issues fast enough. AP Article from Ken Sweet CFPB Head Rohit Chopra's Tweet Thread In this podcast, I discuss the situation, how the things they got in trouble for have been seen by me for years while a bank manager. I discuss the lackadaisical attitude they have about this, and I discuss how the neediest people who got hit with fees might never see a penny of this. I also make the bold prediction that CEO Charles Scharf may not survive into 2023. Listen now! NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Brian Moynihan of BofA - 5th in line for POTUS? Wtf? Plus, Bank of America Finally Declares Dislike for Crypto 51:34

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Thanks for listening. I start the podcast off with a book update, and another book idea that has popped up. Next, I discuss how Brian Moynihan, CEO of Bank of America, has a lot of buzz that he may be the next Treasury Sec. if Janet Yellen leaves. Charles Gasparino with the scoop tweet on 12-9 . I discuss how mind blowing that is, how of course Joe Biden's former nickname "Senator from MBNA" comes into play, an why I think he wouldn't leave BofA for it, simply because of pay reasons, and I use Howard Stern as my example of why I feel that way. Fox Business Article about Moynihan potentially being Treasury Sec Plus, I talk about a Brian Moynihan appearance on Neil Cavuto's show where he mentions how Bank of America isn't "for" cryptocurrencies , despite us knowing BofA has 200-300 blockchain patents. I discuss how he alludes to the current paying system and how it is great, and why they small percentage interchange fees that banks get from debit/credit card make it unlikely for a major bank to embrace crypto so deeply. I also talk about my crappy work experience having to rat out pimply faced teens for dabbling in crypto while at BofA. NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Emergency Pod: Zelle Allegedly Working on Refunding Fraud Victims - In Other News, Pigs Still Currently Not Flying 1:10:05

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This came out of left field today. According to David Benoit and AnnaMaria Andriotis of the WSJ , Zelle is purportedly creating a "playbook" for banks and themselves to have systems to refund victims of Zelle fraud, particularly the "me to me" scam that has been going on for years. In this emergency podcast, I will tell you everything that is wrong with this supposed thing Zelle is doing. I don't believe them for one second, and I will explain in detail. Whether it is simply the fact that the money has to come from SOMEWHERE, it means banks are going to incur "policy losses" in the millions of dollar range for someone who may not even be their own client who got their money stolen using a banks account that also may have been a victims account? Makes no sense. I also explain how typos not being covered as a means of refunding tells me how ridiculous this all is, and I explain how "mobile phone data" that Zelle claims to be using to get these refunds out has already been used by banks for years to deny people's claims. This is all so ridiculous, and I spell it out for you in this podcast. Thanks for listening! NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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Twitter is Hard to Use for Me, Wells Fargo "Payday Loans", and SBF/FTX/WTF/BS 53:19

for 2 years siden53:19

53:19

Sorry about the long layoff... I was sick with COVID :( In today's episode, I discuss how since Elon took over, it has been impossible to do my "The Notorious Banker" work because of people trolling Elon, BofA for lending Elon and a bunch of pointless convos. It seems hard to get a couple of simple things completed, especially when it comes to helping people. Then, I briefly talk about Wells Fargo offering a short-term loan product, which can be $250 or $500. I discuss how the criteria used to approve you for the loans seems broken as all hell. I also discuss how they possibly might not report to the credit bureaus which makes no sense to lenders. It mimics a BofA product which recently came out, and it is just as bad, if not worse! (Article about Wells Fargo Loan Product in Charlotte Observer) Finally, a final rant about SBF and FTX. Why I feel no sympathy for those who lost money, because they were basically playing all-in poker with their life savings every day with a volatile crypto market... I expand on that briefly in the segment. NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Twitter/Elon, A Convo on Interest Rates People Never Have, and Book Update!!! 49:21

for 2 years siden49:21

49:21

I briefly talk about Elon Musk and Twitter just in the sense of how it impacts me and my project. Note: It won't and it can't. I then talk about interest rates. As we all know, it's really expensive to buy a house now simply on interest rate hikes alone. I think it's bad, and it is only going to get worse. That being said, the American public always discusses these things collectively as a whole without addressing the issue in their own household. In the first segment, I talk about how credit card debt impacted me, and impacts others. I also talk about how tricks with interest rates, especially during car buying already puts consumers behind the 8-ball, and then I discuss how people should remedy things in their own household as the country gets worse with the rates! Finally, I have a brief book update, and I explain why it is taking so long. Writer's block SUCKS!!!! NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Equifax Breaches Privacy Again To Fire Employees + Fargo? WTF? 53:35

for 2 years siden53:35

53:35

We talk about something that is not really a bank issue. Equifax fired a lot of employees who were found to have second jobs. Apparently, they used their own patented software to spy on their own employees. I talk about how moonlighting is becoming more common and how I had a couple coworkers who did stuff like this at a smaller scale, but only getting written up, not fired. Plus, we talk about Wells Fargo keeping up with the Joneses, and introducing their BofA "Erica" rip-off "Fargo". First off.. Why Fargo? What kind of name is that? I discuss the lies big banks tell in introducing the virtual assistant to their consumers. NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Kanye Kicked Out of Chase + Crime Incidents Outside of Branch Can Lead to People Being Unbanked 53:20

for 2 years siden53:20

53:20

Yes, We talk about the Kanye/Chase thing... Reluctantly. I mainly focus on why the people who are protesting this move by Chase are the same people who ignored when this happens to others not as rich or famous. I discuss what it possibly MAY have been to cause this breakup, and I discuss the uniqueness of this case. Plus, I talk about how some recent high profile criminal acts just outside of bank branches in California may actually cause more people to be unbanked as a result of it. In the last couple of days, we had a person try to blow up a Bank of America ATM in Palmdale, CA , and there was a shooting of an armored car employee at another BofA in the Carson, CA . The scary thing? Unrelated crimes that have a solid bond: How changing bank procedures and pushes caused this indirectly! I explain why. NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
North Carolina Man Falls Victim to Another Version of Fraud at BofA + Book Thoughts 57:04

for 2 years siden57:04

57:04

I discuss a man in North Carolina who fell victim to a "Bill Pay" scam that is different than the normal Zelle fraud we are used to seeing at BofA. Bank of America true to form denied the man's claim until a local news organization ran a story to ask the bank why they denied him, and boom, like clockwork, BofA caved like the dogs they are and refunded the man his money. I explain the scam, and I explain in detail what this news story brought to the forefront. Link Here Plus, I discuss more and more about my Zelle book coming soon! NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
US Bank Bribes People With Milk Money to use Zelle + I try a Compromise with Zelle. Really. 51:30

for 3 years siden51:30

51:30

In this podcast I discuss an offer I found through US Bank where the bank is offering select clients $5, yes FIVE WHOLE DOLLARS to use Zelle 2x. What I see as a lacking gesture is also a way to fudge the numbers of "alternative ways to bank" to justify limiting staff and branches going forward. Giving clients a small pittance in order for you to save millions over the years sounds like a bet US Bank wants to take. I discuss how even people on the Right side of the aisle should heed the calls from their financial experts on the radio that Zelle is bad news so we can all band together and fight back against Zelle. Hey, at least that $5 will offset the $3,000 you lose through ZELLE Fraud lol Link to deal here Plus, I try to compromise with Zelle. I think you all know by now that I am writing a book on this topic, and frankly, there are a lot of things that I see that no one else is seeing. While I want it to go away permanently, I know that may not be practical, so I discuss in the second segment a compromise that will allow Zelle to operate, protect at-risk clients, and still make it instant for them to send family money while protecting them and the banks as a whole. Yes, I tried hard to reason... Hear me out on the segment NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Bank CEOs Go To Congress and the Wackiness Ensues - Part 1 56:29

for 3 years siden56:29

56:29

One topic today: SENATE BANKING HEARING (3 HOURS LONG) House BANKING HEARING (7 HOURS LONG) Bank CEOs were on Capitol Hill for 2 days this week talking to the House and Senate Banking Oversight Committees. There were a wide range of topics from Climate to Inflation to Gas Station ATMs. I curated a few clips about Zelle, fees, Bitcoin, Questionable Ethical Job Hirings, and some of the funnier moments. There most certainly will be a second part to this podcast, but this one breaks down what I spent 12 hours watching!!! NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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/NotoriousBanke r --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Kanye West, Bank of America Sabbaticals (Why I Think They Are BS), and Bank Getting Sued for Refusing to Cash Slot Winnings Check 1:01:46

for 3 years siden1:01:46

1:01:46

Hello Everyone. First off, we briefly discuss Kanye West's statement on CNBC yesterday where he said he is leaving Chase for Bank of America because CEO of Chase Jamie Dimon didn't call him when he made a $140 Million Deposit Then we get into a very deep story. Bank of America will offer "sabbaticals" of up to 6 weeks to longtime employees to combat burnout. While it sounds good on the surface, I can tell you this is a horrible idea. Sales goals don't prorate, so some of the most stressed out people in retail will have MORE stress when taking leave to COMBAT STRESS. WTF? I talk about my own struggles with mental health while at BofA. Check out the article on Bloomberg by Katherine Doherty Then a weird story. CNN Reports a woman in her 70s was suing Fifth Third Bank for refusing to Negotiate a check she got for hitting a slot jackpot. In the article, the author uses "cash" and "deposit" very loosely, so it is really confusing and doesn't allow for more context, but the lawsuit alleges discrimination based on race. The check in question was for $12,000. While I think race could have played a factor in this, I think this is more lazy-ass bankers not wanting to do more research to properly help a client more than anything. A simple call to verify would have helped immensely, or even a conversation stating the check would need a couple days to clear, not refusing it outright for fraud and refusing to give it back. I explain in the final segment. 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 --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Wells Fargo Targeting Adult Content Creators: Why? (A frank discussion) + Bank of America No Down Payment Home Loan for...Rich People? 1:26:29

for 3 years siden1:26:29

1:26:29

Long week talking about the new Bank of America Home Loan Program, Which we will also do here! (Ugh) First off, Interesting article in Rolling Stone and Reporter EJ Dickson , who profiled a lot of Adult Film actresses who had their bank accounts closed out by Wells Fargo. I have done podcasts many times referring to the "business decisions" that banks make when they no longer want to do business with you, and here it is no exception. I am going to be honest with you. This is a frank conversation about adult content, my preferences, and the reasons why banks will see things as a "risk" and basically blame content creators for the horny, cloudy decisions of idiot guys. I get into what limitations it has for these people in the adult industry and basically how it can lead to millions of content creators being banished from banking simply based on the taste preferences of the risk department. Had the opportunity to briefly talk to adult content creator and activist Alana Evans on Twitter about this, which I also discuss. Plus Here I go again. I talk about the Bank of America No Down Payment, No Closing Costs mortgages , and how in my opinion it is technically a program to fast-track people who are more well-off to get into home loans a little easier, with a $10k Down Payment grant from BofA. The reason I came to this conclusion was the crazy income cap in Dallas. $131,000 for a city where the median home value is $350k conservatively. To me, someone making that amount of money likely doesn't need a special program, but BofA is using a little known FDIC Special program to push this broken product to preferred clients, all in the guise of helping communities and people of color. I break down in granular detail what I mean. Plus, I reference a CNBC Story that makes it sound like it's only for minorities, which set off a lot of people, only to say the total opposite thing within the story. It's really confusing. NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ 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 --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Bank of America Promises Black and Hispanic People No Down Payment No Credit Score Minimum Mortgages: Why I Think It Is BS 48:40

for 3 years siden48:40

48:40

Bank of America blew me away today with the stupidest thing I ever saw. Bank of America announced a plan to help Black and Hispanic people get into home loans in 5 markets, where frankly, the median home prices are insane. The markets are Charlotte, Los Angeles, Dallas, Miami and Detroit. Bank of America is promising no minimum credit score, no mortgage insurance, and validation of eligibility can be an on-time phone bill and car insurance premium. NEWS RELEASE HERE However, they mention income and location will determine eligibility, which to me sounds like people will be stuck in neighborhoods they want to get out of. I also discuss how BofA is doing this now while interest rates are 2-3% higher than they have been with the possibility of going even HIGHER in the next few months. I also talk about the cost of these locations and unless you are making more than BofA's minimum wage, you probably couldn't afford a home with a median price in these markets. I then talk about the false promises this bank is doing to communities of color, especially what's going on here. It's a crazy story. 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 --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
More EDD Fraud in California That BofA Refused to Fix + 4 Years Fired: My Liberation Day 44:40

for 3 years siden44:40

44:40

https://abc7news.com/bank-of-america-bofa-denies-edd-claim-fraud-debit-card-denial/12154468/ Hey, guess what? Another EDD Fraud case where Bank of America denied a client. Man had $15k stolen from his account with crooks using the old school transfers page to send $15k total over 3 accounts. Bank of America denied Alfredo Mancilla 3 times. He then called Michael Finney, who we have talked about many times on the pod, and within hours, he got Alfredo's money back, because BofA are a bunch of.... you know. I talk about how BofA saw this as a vanity project and it led to them wanting to leave EDD altogether! Then I talk about my 4 years anniversary of being fired from Bank of America with a little rant about where I am going with my project. I am so excited for the future! :) 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 --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

1
Zelle Book Update + PGA Star's Family Impacted By Zelle + Bank of America Closes Lobby of My Old Bank, Impacting Disability Payment Recipients 45:14

for 3 years siden45:14

45:14

Hello Everyone! Reminder that I am working on a book about Zelle due to come out really soon. Stay tuned for that. It's going to be funny, thought-provoking and hard-hitting all in one. In this podcast, I discuss a tweet from PGA Star Brian Gay who tweeted that his daughter was a victim of Zelle Fraud while at Bank of America with BofA doing nothing to help her. I discuss the misconceptions of FDIC insurance "protecting" you, how and why BofA should help solely off the success of Brian's golf career and discuss what we always do: How Zelle is the worst thing out there. Plus, I discuss my old BofA branch in Las Cruces NM having their lobby closed for the week last week, which was the first week of the month. I describe how all the fixed income people who needed their cash for the bills were unable to be helped. While a drive up lane was open to clients, BofA also removed 3 lanes of Drive Up a couple years ago, and on a busy 1st or 3rd of the month, about a 1000 people a day show up. They couldn't have helped more than 100 per day that week I discuss the weak leadership in that market! --- Support this podcast: https://podcasters.spotify.com/pod/show/thenotoriousbanker/support…

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The Notorious Banker

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