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

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

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

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

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

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.

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

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/NotoriousBanke⁠⁠r

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/NotoriousBanke⁠r

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/NotoriousBanker

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/NotoriousBanker