| EntryNo: |
3645 |
| Date: |
Saturday
05:30 PM
29.07.2017 |
|
 |
Personal Banker II |
|
|
|
I used to work there
Massive pressure to sell garbage to people that did not want more accounts.
Management would hold 3 conference calls a day to beet the hell out the employees for not selling enough. It was a terrible time to be alive.
|
|
|
|
|
| EntryNo: |
3644 |
| Date: |
Tuesday
04:47 PM
25.07.2017 |
|
| |
anonymous |
|
|
|
CFPB Issues Rule to Ban Companies From Using Arbitration Clauses to Deny Groups of People Their Day in Court
Financial Companies Can No Longer Block Consumers From Joining Together to Sue Over Wrongdoing
JUL 10, 2017
WASHINGTON, D.C. — The Consumer Financial Protection Bureau (CFPB) today announced a new rule to ban companies from using mandatory arbitration clauses to deny groups of people their day in court. Many consumer financial products like credit cards and bank accounts have arbitration clauses in their contracts that prevent consumers from joining together to sue their bank or financial company for wrongdoing. By forcing consumers to give up or go it alone – usually over small amounts – companies can sidestep the court system, avoid big refunds, and continue harmful practices. The CFPB’s new rule will deter wrongdoing by restoring consumers’ right to join together to pursue justice and relief through group lawsuits.
"Arbitration clauses in contracts for products like bank accounts and credit cards make it nearly impossible for people to take companies to court when things go wrong," said CFPB Director Richard Cordray. "These clauses allow companies to avoid accountability by blocking group lawsuits and forcing people to go it alone or give up. Our new rule will stop companies from sidestepping the courts and ensure that people who are harmed together can take action together."
Hundreds of millions of contracts for consumer financial products and services have included mandatory arbitration clauses. These clauses typically state that either the company or the consumer can require that disputes between them be resolved by privately appointed individuals (arbitrators) except for individual cases brought in small claims court. While these clauses can block any lawsuit, companies almost exclusively use them to block group lawsuits, which are also known as “class action” lawsuits. With group lawsuits, a few consumers can pursue relief on behalf of everyone who has been harmed by a company’s practices. Almost all mandatory arbitration clauses force each harmed consumer to pursue individual claims against the company, no matter how many consumers are injured by the same conduct. However, consumers almost never spend the time or money to pursue formal claims when the amounts at stake are small.
The Dodd-Frank Wall Street Reform and Consumer Protection Act required the CFPB to study the use of mandatory arbitration clauses in consumer financial markets. Congress also authorized the Bureau to issue regulations that are in the public interest, that are for the protection of consumers, and which are based on findings that are consistent with the Bureau’s study of arbitration. Released in March 2015, the study showed that credit card issuers representing more than half of all credit card debt and banks representing 44 percent of insured deposits used mandatory arbitration clauses. Yet three out of four consumers the Bureau surveyed did not know whether their credit card agreement had an arbitration clause. These clauses are not only common and unknown; they are also bad for consumers. By blocking group lawsuits, companies are able to:
Deny consumers their day in court: The study showed that few consumers ever bring – or consider bringing – individual actions against their financial service providers either in court or in arbitration. Only about 2 percent of consumers with credit cards surveyed said they would consult an attorney or consider formal legal action to resolve a small-dollar dispute. As a result, the real effect of mandatory arbitration clauses is to insulate companies from most legal proceedings altogether.
Avoid paying out big refunds: Individual actions get less overall relief for consumers than group lawsuits because companies do not have to provide relief to everyone harmed. According to the study, group lawsuits succeed in bringing hundreds of millions of dollars in relief to millions of consumers each year. The study showed that over 34 million consumers received payments, and that $1 billion was paid out to harmed consumers over the five-year period studied. Conversely, in the roughly one thousand cases in the two years that were studied, arbitrators awarded a combined total of about $360,000 in relief to 78 consumers.
Continue harmful practices: Individual actions might recoup previous individual losses, but they do nothing to stop the harm from happening again or to others. Resolving group lawsuits often requires companies to not only pay everyone back, but also change their conduct moving forward. This saves countless consumers the pain and expense of experiencing the same harm. The Bureau’s study found that in 53 group settlements covering over 106 million consumers, companies agreed to change their business practices or implement new compliance programs. Without group lawsuits, private citizens have almost no way, on their own, to stop companies from pursuing profitable practices that may violate the law.
CFPB Arbitration Rule
The CFPB rule restores consumers’ right to file or join group lawsuits. By so doing, the rule also deters companies from violating the law. When companies know they are more likely to be held accountable by consumers for any misconduct, they are less likely to engage in unlawful practices that can cause harm. Further, public attention on the practices of one company can more broadly influence their business practices and those of other companies. Under the rule, companies can still include arbitration clauses in their contracts. But companies subject to the rule may not use arbitration clauses to stop consumers from being part of a group action. The rule includes specific language that companies will need to use if they include an arbitration clause in a new contract.
The rule also makes the individual arbitration process more transparent by requiring companies to submit to the CFPB certain records, including initial claims and counterclaims, answers to these claims and counterclaims, and awards issued in arbitration. The Bureau will collect correspondence companies receive from arbitration administrators regarding a company’s non-payment of arbitration fees and its failure to follow the arbitrator’s fairness standards. Gathering these materials will enable the CFPB to better understand and monitor arbitration, including whether the process itself is fair. The materials must be submitted with appropriate redactions of personal information. The Bureau intends to publish these redacted materials on its website beginning in July 2019.
The new CFPB rule applies to the major markets for consumer financial products and services overseen by the Bureau, including those that lend money, store money, and move or exchange money. Congress already prohibits arbitration agreements in the largest market that the Bureau oversees – the residential mortgage market. In the Military Lending Act, Congress also has prohibited such agreements in many forms of credit extended to servicemembers and their families. The rule’s exemptions include employers when offering consumer financial products or services for employees as an employee benefit; entities regulated by the Securities and Exchange Commission or the Commodity Futures Trading Commission, which have their own arbitration rules; broker dealers and investment advisers overseen by state regulators; and state and tribal governments that have sovereign immunity from private lawsuits.
In October 2015, the Bureau published an outline of the proposals under consideration and convened a Small Business Review Panel to gather feedback from small companies. Besides consulting with small business representatives, the Bureau sought comments from the public, consumer groups, industry, and other interested parties before continuing with the rulemaking. In May 2016, the Bureau issued a proposed rule that included a request for public comment. The Bureau received more than 110,000 comments.
The rule’s effective date is 60 days following publication in the Federal Register and applies to contracts entered into more than 180 days after that.
More information about the CFPB’s arbitration rule is available at: https://www.consumerfinance. gov/arbitration-rule/
|
|
|
|
|
| EntryNo: |
3643 |
| Date: |
Monday
03:15 PM
24.07.2017 |
|
| |
Robert Gaebler |
|
|
|
To Florida's US Rep. THOMAS J. ROONEY, Select INTEL Committee, Mon.7/24/17:
California is throwing you over. Orlando and Ft.Lauderdale I.S.U.S. actions happened in Florida, relative to California sedition, by RS Mueller 3, Jerry Brown, and the entire state, refusing to report then failing oversight, to allow Mueller to churn as USA/SF, then migrate to trash FBI on UBL, so 911 eats at us, today, as Mueller will ground more Sharia. This Sharia by I.S.U.S. is hot, migrating from rundowns, shootings, bombings, and stabbings, to set fires and eventually, to cruise missiles. This happens BECAUSE YOU CONDUCT RICO PROFITEERING OR ALLOW THIS, and California is completely unregulated, by USA, so Mueller and Brown get things done, like move my guitar surveillance to overproductions, all over the world, which I.S. knows and incorporates into attacks, SO! If Wells Fargo and Santa Clara Co. collude to injure me, UC Merced and since contain tags for me to know, and this is so. You got shot up because California prosecuted me to incarcerate me for trying to report Wells Fargo fiduciary fraud, for years, so right as the SEC investigations went public, they threw me in re C1634718 ex 1368 PC because Wells Fargo is de facto converting the RS Gaebler SNT, during elder abuse, noted by I.S.U.S., which now kills as a matter of Sharia, defied, by you kafir, who ought to smarten up, bust Mueller, Wells Fargo, Bush, Clinton, Brown, and all the way down to all California cop shops and seditious administrations, profiteering on failure to report, but at least bust Wells Fargo! SCCo. and Wells Fargo knew they engaged I.S.U.S. by injuring me and my cat, but continued, and the hot trend is Manchester and London, UK, followed by fires, wherever and in California, to be followed by an attack in a state or nation of origin, of someone injuring me and others, involved with Islam and Muslims. So when Florida native GABRIEL beat up his old lady, the 250 lb. Michelle Terrell, SJPD took a false statement from slumlord Semih Sabankaya's son, Ali, who claimed I was evicted from The Contemporary Victorians, 98 No.5th St., SJ, a bed bug rack, where Wells Fargo and HHS/SCCo. stuck me, when they caused my former residence to close, where I was on an illegal chain of possession, and a suppressed RS Mueller 3 material witness, since 1998. So when SJPD refused to report a CSG attack with Ofc.MILLER, then prosecuted me for 2 counts of battery on chunky Michelle, who attacked me all the time, without a report getting taken, the prosecution sought warrant, only after I tried to report Wells Fargo for fiduciary fraud and dependent adult abuse, AGAIN, March 23, 2016. SCCo. held the warrant, then executed, having suppressed IA and IPA, so corrupt IPA Director Walter Katz suddenly resigned, and when City Council O-S gets back, in August, there's a lot of work to do, since an international class and me may sue SCCo. and City of San Jose the hell out into unincorporation, under a bankrupt state, but you neglect reports in your state. So you act all clueless that since YOU are also a peninsula, like SF, YOU are the state of origin, of GABRIEL, who actually thumped his fat g.f. and evaded, while I was getting rolled, by CSGs in illegal custody, so they knew I.S. shot up The PULSE, and a latino punk, one of many underneath 8C34 (C pod)would hit the commode for a pulse-rhythm, any time of day or night, while the whole place would sketch. Thing is, I.S. then straddled D61 hearings, and one of THOSE was 1/19/17 before queer Judge Cole, replacing one-eyed Judge S.M. Manley, who is the takeoff for when IA Sgt."Almudi" called, 1/10/17, 8B34 (cell in B pod) MJN, on West Hedding in San Jose, a Mujahed named Esteban Santiago made a left at Minneapolis, where involved PDO JJ Kapp was conceived, also why Dahir Aden stabbed 9, Ramadan 2016, then landed at Ft.Lauderdale to shoot up the 2d floor loading area, when Santiago looked like a cross between #12 Osweiller who would defeat the Raiders (note one-eyed helmet guys) and 8B18 Daniel, another Muslim on 2d tier, like me in 8B34. We transferred to C pod, and the I.S.U.S. kept straddling D61, laying down tags for me to note, including Steve Stephens killed Robert Godwin, 74, as a heads-up there were related killings to follow, a cop-shoot in Paris, then a Taliban attack in Afghanistan. You Florida folks enjoyed ripping my guitar into 3 punks and a keyboard, so when you go to concerts, you really should avoid this, during Ramadan. But SCCo. had to release me, after letting Wells Fargo racketeer all this up, in collusion with State of California and Santa Clara Co., WITHOUT REPORTING A CRIME OR ANY OVERSIGHT, so hey. Muslims will -BADWORD- you up, when you mess with me, these days. Plagiarize and fail to report crime? THAT'S YOU, eh? USA! Get Trump, fire FBI and USDOJ until they bring me to you! I'm in California, btw.
|
|
|
|
|
| EntryNo: |
3642 |
| Date: |
Monday
03:01 PM
17.07.2017 |
|
| |
anomymous |
|
|
|
Former $2 billion private equity fund now nearly worthless: WSJ
https://www.reuters.com/arti cle/us-hedgefunds-oil-idUSKB N1A10UX?ito=792
|
|
|
|
|
| EntryNo: |
3641 |
| Date: |
Sunday
08:14 PM
16.07.2017 |
|
| |
Robert Gaebler |
|
|
|
Your Police employee complaint form has been submitted.
Form Data (Palo Alto PD)
---------------------
Full Name
Lt.Zach Perron
ID Number (If known)
Employee's Job
Police Officer
What is the nature of your complaint?
Lt.Perron fronts for all refusal to take reports by PAPD, by all officers, which like MVPD and SJPD now neglect Wells Fargo Pvt.Bank misconduct, elder abuse, and neglect, connected to IRENE BELL KEENAN, her husband Michael, and Wells Fargo Pvt.Bank, which as RICO racketeering and local violations moved my Robert S. Gaebler SNT to Walnut Creek, at the death of my father, in Palo Alto VA, 3/15/10.
PAPD, MVPD, SJPD, Sheriff, APS, DA/SCCo., State, USDOJ all neglect elder abuse, financial abuse, now SEDITION, by Wells Fargo, so since 2015, Co.Santa Clara and inferiors use me as judas goat to incite I.S. attacks, since UC Merced, including all in locations of national or state origin of subjects in collusion with Wells Fargo, WITH NO EXCEPTIONS.
Location where incident occurred.
PAPD station. No reports ever taken, while Wells Fargo leaves me homeless by action of Irene Bell Keenan, office at 555 MIDDLEFIELD ROAD, PALO ALTO.
Date when incident occurred.
(12/07/15 to 07/15/17)
Time of incident.
8:00am to 5:00pm
What are the details of your complaint?
PAPD, SCCo. stonewall how Wells Fargo not only colludes with agencies, but also with CSGs, so when Islamic State kills, it is with the same intel from old RAMONES productions by Phill Spector, via local corruption, to use late Ray Estelita's voice, with my guitar, a gross rippoff, but this was during AC-ZZ ripp orgy, all using my guitar, but now comes I.S., knowing you won't take reports from me, including about Wells Fargo and court collusion, IN YOUR JURISDICTION. The Grenfell fire was about Keenans being from UK, to incite Manchester, but Grande came back during Ramadan, so London Bridge and Grenfell, with others, since Mayor Khan is Muslim, but this is about because PAPD neglects MY facts, President Trump needs to know about VP Lani Dalrymple up Fl. 40 in Seattle, re towering inferno on his 71st. Lafayette Chamber fire is the WE ARE HERE-announcement, by Islamic State US, as Turkey, Saud tighten up, during the end, of ISIS, which is just one wave, of what is coming and ongoing but unreported, THANKS TO PAPD, WHICH LETS WELLS FARGO CONTINUE TO INJURE ME, DIRECTLY INCITING I.S. ACTIONS.
|
|
|
|
|
| EntryNo: |
3640 |
| Date: |
Saturday
09:12 PM
15.07.2017 |
|
| |
Hap Call |
|
|
|
I applied for an auto loan from Wells Fargo for $10000.80 (yes, that 's 80 cents on the end, dealer screw-up). My income is considerable since I work as an engineer for one of the largest companies in the world and I have over 25 years experience. I have a credit score of 822. Wells Fargo declined issuing the loan despite mentioning my excellent credit score in their letter to me. Can someone please tell me how I am a credit risk?
|
|
|
|
|
| EntryNo: |
3639 |
| Date: |
Saturday
04:37 PM
15.07.2017 |
|
| |
Ethel |
|
|
|
Closed all my family's accounts for no reason. I suspect racism, since we are all Asian.
|
|
|
|
|
| EntryNo: |
3638 |
| Date: |
Thursday
02:46 PM
13.07.2017 |
|
| |
anonymous |
|
|
|
2 MILLION FAKE ACCOUNTS!!!!
As a turnaround expert, banker and shareholder wrote to the BOARD to turnaround the bank around.
No response from the BOARD at all.
Very interesting.
|
|
|
|
|
| EntryNo: |
3637 |
| Date: |
Thursday
01:46 PM
13.07.2017 |
|
| |
Bob Gaebler |
|
|
|
Suspicious FIRES are in the hood.
One smoked up the hills in back of the res.
That won't be much news, UNLESS Lafayette, CA. has no fire last night, where the Chamber of Commerce and a popular restaurant were engulfed, in a fire described as 'VOLCANIC.'
So you should -BADWORD- off if you are trying to make ME the victim of your punk kafir crime wave.
IT JUST MAKES GOOD SENSE! See? I was born, on Jimi U-know-who's birthday.
Hadj knows. He's gonna wire this place, -BADWORD-s! PAY ATTENTION!
And a bare wire or two is gonna be EXPOSED, -BADWORD-wits.
So you need to read. HERE IT IS.
By now, WE SHOULD ALL KNOW to avoid concerts because the music is
stolen, or the ripoffs remain, and we need not make a sound, for who
listens because the tune is GONE.
Keep playing that rock'n'roll? BUT PUBLIC PERFORMANCES ARE NOW OUT,
since public officials held me out of reports, FOR TWO RAMADANS WORTH
OF CONCERT ATTACKS.
What could you people have in mind?
Jimi and his opening tune, at a whole lot of shows? You know which tune.
Smoke, if you gottum. AA
This would be a different campaign if only the feds would bust LANI DALRYMPLE at Wells Fargo Bldg. on 3rd Ave. in Seattle and with the Lafayette fire?
Just intro'd myself to a Cal Fire guy, picking up his covfefe.
He was too Catholic for me to get in how there's a place called FRANCE, so during the revolution, Lafayette showed up.
In WWI, AEF went: "Lafayette, we are here!" What a stupid war!
Eat shit, east bay. Hey?
THIS IS JIMI TALKING.
YOU LET NANCY ALDRITT W/F VP WALNUT CREEK WALK OUT OF CO.SANTA CLARA WITH MY RSG SNT.
SO NOW, you have a suspicious set fire.
EAT SMOKING SHIT. It's what's for dinner! 
Or we can talk, if you're smart. Catholic schools graduate complete -BADWORD-tards, now.
|
|
|
|
|
| EntryNo: |
3636 |
| Date: |
Wednesday
09:26 PM
12.07.2017 |
|
| |
Jesse |
|
|
|
WF sucks! I opened up a SECURED card about 7 years ago in college to help build credit.
7 years later and my card is still "secured" bc I dont qualify for an "upgrade". The funny thing is I have a Chase CC with a limit of 10k, and an AX with no limit, so how do I not "qualify" for WF?
MAKES NO SENSE, THEY ARE PIECES OF SHIT WHO WILL NEVER GIVE YOU ANY OF YOUR MONEY BACK
|
|
|
|
|
|
Visitor comments: 1
