BOA... Keeping it Classy
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OP
Wanted to give the fellers (and ladies) and update.
I knew that the George Hill testimony behind doors would yield the evidence that BoA, without the FBI's request in the form of an subpoena or warrant gave many more names than was reported in 2021. Also, there is some confusion whether the geofenced BoA Financial Cards used in Jan5 - Jan7 were all given; Hill testified that the Firearm Transaction History had no demographic and time constraints. -- All I needed to know.
I have been blistering BoA's Executive Escalation Line, all while working the phone with our Elected Officials.. (that aren't really feeling me right now)...
Meanwhile, the whistie-blower testimony given in the House Judiciary really put an eye on BoA from Congressman Massie (R-KY). He subpoenaed all BoA correspondance both internal and to the DOJ. That was supposed to be to him on June 8th. I have called his office regarding an overnight Letter from the Escalation Team at BoA.
Basically it is a "pretty-please" ceast and desist or we will not return your email. Well, golly-gee... you were doing a good job when you where deny to answer the question. Basically, the C-Suite shields themselves by directing talking point to the Escalation Relations Team. They were not knowledgeable about this little mis-step that BoA took.
Interesting, is that I got a letter of BoA Stationary that BoA follows all Federal and State Laws and cannot comment on data given in the process of an investigation.
So.. FBI said they didn't ask for it. Bank of America says they did.... This has went well past my goal of just making sure my name is cleared in the CSA verse without a #DVE hashtag.
I am shopping my case to lawyers now; as the GDLP(?) has a statute of 3 years. All I wanted was to know if my data was sent, clearly they do not want to admit they did what they did, despite the hearings, subpoenas and the breaking of 4 distinct laws that protect consumer information and only certain exemptions are allowed.
This may get interesting....
I knew that the George Hill testimony behind doors would yield the evidence that BoA, without the FBI's request in the form of an subpoena or warrant gave many more names than was reported in 2021. Also, there is some confusion whether the geofenced BoA Financial Cards used in Jan5 - Jan7 were all given; Hill testified that the Firearm Transaction History had no demographic and time constraints. -- All I needed to know.
I have been blistering BoA's Executive Escalation Line, all while working the phone with our Elected Officials.. (that aren't really feeling me right now)...
Meanwhile, the whistie-blower testimony given in the House Judiciary really put an eye on BoA from Congressman Massie (R-KY). He subpoenaed all BoA correspondance both internal and to the DOJ. That was supposed to be to him on June 8th. I have called his office regarding an overnight Letter from the Escalation Team at BoA.
Basically it is a "pretty-please" ceast and desist or we will not return your email. Well, golly-gee... you were doing a good job when you where deny to answer the question. Basically, the C-Suite shields themselves by directing talking point to the Escalation Relations Team. They were not knowledgeable about this little mis-step that BoA took.
Interesting, is that I got a letter of BoA Stationary that BoA follows all Federal and State Laws and cannot comment on data given in the process of an investigation.
So.. FBI said they didn't ask for it. Bank of America says they did.... This has went well past my goal of just making sure my name is cleared in the CSA verse without a #DVE hashtag.
I am shopping my case to lawyers now; as the GDLP(?) has a statute of 3 years. All I wanted was to know if my data was sent, clearly they do not want to admit they did what they did, despite the hearings, subpoenas and the breaking of 4 distinct laws that protect consumer information and only certain exemptions are allowed.
This may get interesting....
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ALL the big banks are dirty. Probably most of the regionals too. Unless you have several billion $ in assets they don‘t give crap what you think. The big question is how do you exit the system and keep functioning?
OP
Almost every large company is dirty as hell. "Leadership" got to the top because they know how make a dirty, bloody disaster look clean as a surgical room. But just like that surgical room, if you were to sample the whole area; there are things growing that will kill a person.
They are "Too Big to Fail - Too Big to Care"... at least while the current Regulatory infrastructure sleeps. (2007-2009 anyone?)
Grift, Graft and Favors... that is why they gave that to the FBI... .so they could have a chit in their pocket to cash in when they really mess something up.
ASGH.... (Ain't Shit Gonna Happen) is what a good friend of mine says all the time. 100% of the time he is right.
concepthomes2
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So, what case are you shopping to lawyers? What damages are you thinking you're entitled to?
OP
I haven't even thought about that. I don't know, cost of the attorney's +$1?
This isn't about money. It's about holding a contract the way it should be. It's certainly is not sitting around bitching about how nothing will ever change and what we should do or what we shouldn't.
It's about a company that is clearly to big to fail, acting like it is. We've had to tolerate that, but they just cannot break laws and then give you correspondence about how protective of your banking data is to them. And then just give it away.
Where was the OCC on this little information deal? Where was their chief regulator in 100 N. Tryon saying that this may not be a good idea? More than likely he had no clue... he/she isn't concerned with the good life and making waves. How did one of the biggest bank failures happen just in the last year with 97% of the accounts over $250,000? How does that even happen?
Well, I got a little time -- I have an awesome story, maybe it will go to court maybe it won't. The best thing, is I don't even have to spend money on discovery. It's going to play out right in front of me on C-Span.
OP
So, just to refresh on this, I am letting it play out.
Like the previous post, the discovery phase played out BEAUTIFULLY as Jordan's Judiciary Committee had FBI Dir Robert Wray in the chair.
The part I like the best is the actual email between the FBI and BofA requesting the information. Wray said he was un-aware. I'll let the link explain the rest.
So. I still have no real clue if my name was included. BofA is still saying I don't own the account which is ludicrous. They know, and they are in defense mode like they did on the fraud debits and credits that earned them a 300M fine from the OCC.
I have a FOIPA into the FBI, they have been the most easy to work with... Public Affairs Officer herself called me and gave me advice on how to word the request... I have the feeling that everyone involved is realizing what has occurred.
What have I learned since March?
1. BofA is unethical (duh)
2. The Bank broke 3 of the 4 rules that govern client PII and Transactions.
3. All Elected Officials that represent NC could care less. (All got money from BofA)
4. The Consumer Protection pathways DO NOT WORK. The OCC regulates BofA and they outright rejected my complaint. (Why wouldn't they? It happened on their watch... just like the card fraud) CFPB is a JOKE. They have no teeth, completely unnecessary Agency.
4. Most beat reporters do not want to touch this... hmmmm. Somebody buttering their bread?
5. I have no legal claim for damages, I must know if my name was indeed given as Part 2 of the Request. "Generally 6 months?" Yeah I definitely purchased a firearm before 1.6.21. Ruger Wrangler I believe... from Academy.
6. I am as pissed as a Hornet and perhaps I will take Legal Action if I am in the tranche of data sent.
7. I was no where near DC on that day. I abhor that town.
8. A deep cut was GRNC not reaching out to me after I contacted them 3 ways about the situation that surely doesn't involve just me. I got my membership renewal email, and just said I can't see giving money if my correspondances are never replies.
So, no advocacy, no lawyer (all ran when the saw BOA/FBI and most do not know banking laws), no agency help or even concern.
Well see what happens next.
Like the previous post, the discovery phase played out BEAUTIFULLY as Jordan's Judiciary Committee had FBI Dir Robert Wray in the chair.
The part I like the best is the actual email between the FBI and BofA requesting the information. Wray said he was un-aware. I'll let the link explain the rest.
So. I still have no real clue if my name was included. BofA is still saying I don't own the account which is ludicrous. They know, and they are in defense mode like they did on the fraud debits and credits that earned them a 300M fine from the OCC.
I have a FOIPA into the FBI, they have been the most easy to work with... Public Affairs Officer herself called me and gave me advice on how to word the request... I have the feeling that everyone involved is realizing what has occurred.
What have I learned since March?
1. BofA is unethical (duh)
2. The Bank broke 3 of the 4 rules that govern client PII and Transactions.
3. All Elected Officials that represent NC could care less. (All got money from BofA)
4. The Consumer Protection pathways DO NOT WORK. The OCC regulates BofA and they outright rejected my complaint. (Why wouldn't they? It happened on their watch... just like the card fraud) CFPB is a JOKE. They have no teeth, completely unnecessary Agency.
4. Most beat reporters do not want to touch this... hmmmm. Somebody buttering their bread?
5. I have no legal claim for damages, I must know if my name was indeed given as Part 2 of the Request. "Generally 6 months?" Yeah I definitely purchased a firearm before 1.6.21. Ruger Wrangler I believe... from Academy.
6. I am as pissed as a Hornet and perhaps I will take Legal Action if I am in the tranche of data sent.
7. I was no where near DC on that day. I abhor that town.
8. A deep cut was GRNC not reaching out to me after I contacted them 3 ways about the situation that surely doesn't involve just me. I got my membership renewal email, and just said I can't see giving money if my correspondances are never replies.
So, no advocacy, no lawyer (all ran when the saw BOA/FBI and most do not know banking laws), no agency help or even concern.
Well see what happens next.
This happened many years ago so the details are a little fuzzy, but I went through 4-5 months if hell dealing with BoA and here are the cliff notes.
I was with Nations Bank when they became BOA, I was using their banking services back in 96 while I was repairing my house which was a repo that needed a TON of work.
Long story short I deposited a check for roughly $13k and was told it will be on a hold for 5 business days, no problem right? Wrong…..
I waited to mail checks out until after the 5 days were up, those A-holes held the deposit and allowed a bunch of checks to bounce that were processed 2-3 days AFTER the deposit was supposed to hit because the date I wrote on the checks was prior to the date the money hit my account, they weren’t cashed until after the money posted mind you.
I did get everything straight but it was a massive PITA, needless to say I was delighted when BoA got hit with a class action suit for doing similar crap to lots of their customers, I moved to BB&T and have been with them ever since, no complaints in many years.
I was with Nations Bank when they became BOA, I was using their banking services back in 96 while I was repairing my house which was a repo that needed a TON of work.
Long story short I deposited a check for roughly $13k and was told it will be on a hold for 5 business days, no problem right? Wrong…..
I waited to mail checks out until after the 5 days were up, those A-holes held the deposit and allowed a bunch of checks to bounce that were processed 2-3 days AFTER the deposit was supposed to hit because the date I wrote on the checks was prior to the date the money hit my account, they weren’t cashed until after the money posted mind you.
I did get everything straight but it was a massive PITA, needless to say I was delighted when BoA got hit with a class action suit for doing similar crap to lots of their customers, I moved to BB&T and have been with them ever since, no complaints in many years.
OP
They are just to damn big to be regulated, ethical and nimble to take care of normal banking operations.
Then again, if companies did not have dumbasses in the C-Suite, there would be not opportunity in the market to take share.
After almost 6 months, constant requests, complaints and inquiries they are definitely playing defense. If companies Iike BOA can literally commit fraud and just get fined $300m and no one goes to jail; they are not going to worry about other laws either.
If you cannot trust a company with your money and information, who the F can you trust?
I have been with a state level credit union from 2000, never a single issue with them. They are fast to check on charges outside the norm, getting auto loans are better than any dealership has ever offered. Many have tried to beat it, they can’t.
I trust my wife and sometimes my son. The rest of them you need to keep your eyes open. We left BofA several years ago and went with BB&T which is now Truist. We've been good with them so far.
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Hammer12b
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I talked to Joe a couple weeks ago. I haven’t seen him much since he up and moved to Alabama. Just wanted to check on him and make sure he was still kickin. He’s hav a ball, fishing and shooting. He says to tell his friends Hello.
OP
He is doing well, I would suspect that south Alabama has already adjusted. He is a character!
We have a family trust account with them. They were ok, but for one instance when my mother tried to cash a check written to the trust. Teller wouldn’t do it saying my mother wasn’t “the trust”. WTH then is a trustee whose on file? My mother deposited it instead, went home and wrote a check for a larger amount took it in and cashed it using another teller, but got serious dirty stares from the one who refused to cash a check.
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How were they linking firearms transactions to the cards? I thought the coding wasn't in place yet. Just gun shops?
What's funny is that we had friends in DC that day, just a couple of blocks away. The media plays it up like some giant insurrection riot that took over the city. They never heard or saw a thing.
What's funny is that we had friends in DC that day, just a couple of blocks away. The media plays it up like some giant insurrection riot that took over the city. They never heard or saw a thing.
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ChickenHawk
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Truist is one of the five banks Goldman Sachs looked at as potentially failing earlier this year. They were right about 2 of the 5 they mentioned so far. We have a small vacation account at Truist.
I have no desire to do business with any of the "too big to fail" banks. When we left BofA, we choose BB&T because they were a local bank with a branch less than a mile from our house. They were fairly strong in the local market and the merger made them even stronger. That being said, maybe 10 percent of our assets are in that bank. Around 60 percent are in real-estate, 25% in stocks (mostly dividend paying) and 5 percent in physical gold. Once the communist take over, none of this will matter.