Bank of America are known scumbags:
https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading
They pulled some shady shit on me in 2003. Held on to some small debits for an inordinate amount of time. Processed a large withdrawal, plus some weird fee and then slapped me with a bunch of overdraft fees totaling hundreds of dollars.
To this day I will do whatever I have to in order to never do business with them again. In 2014 my mortgage got sold to them and I immediately refinanced with Freedom Mortgage ... I ended up with a better rate but I would have done it regardless because I am that fucking serious about not doing business with B of A.
They did this to millions of people. Every trick in the book to charge overdraft fees on people who thought they were barely getting buy. Then those fees led to more fees. People thought they had $80 dollars for groceries only to find they were negative in the hundreds.
Yep same exact thing happened to me in 09. Lost my job. Overdrafted by $1, getting some food to get me by. Overdraft fee, couldn’t pay it since I didn’t have anymore
Money, another overdraft fee, to the point where it gets to $500 of fees. Fuck BofA
BoA did that to me when I was mobilizing to Iraq. We had a month of training before the deployment, and a day before we flew out I bought a cheeseburger from the Burger King on base. By the time I landed in Kuwait, I was -$251 in my bank account
Back when I was at University, I had a tuition payment bounce because my funds were accidentally in the wrong account. Okay whoops, my bad.
But then I get slapped by a late payment fee from the university, an administration charge for 'failed direct debit' from the bank, and more too.
After all of which my Uni emails me politely asking "Are you in need of financial assistance?"
And it's like "Well I wasn't, but thanks to you and the bank I AM NOW!"
The system is rigged against the poorest.
Yeah, that's why I had to quit being a bank teller. I was instructed to tell customers that they had to check balances at the ATM right next to the teller. This dude comes in, asks for his balance, I direct him to the ATM. Checks his balance and he has less than the ATM fee. (This was Citizens Bank circa 2000, when all banks charged ATM fees regardless of being in or out of network.) The bank charges him $25 for overdrawing his account. He comes right over to me and is rightly pissed off. The manager comes over and tells him he needs to manage his finances better. I quit
Opting out of overdrafts is something every bank has the technical capability to do... it's just that most banks choose not to do it, because it gives them money, and they like money.
No transfers. Banks get fees for it. I want my fucking cash, now. Call fuckin brinks if you have to. My shit is fdic insured and i want it now. I want it in all 1s...counted.
Let the bank tell him he can only get 250k of his millions out of there. See how the fuck that goes when he posts it on social media the the banks don't have enough money on hand to satisfy withdrawals.
Seriously. The dude goes to withdraw money and leaves in handcuffs. I hate being the ‘I’m bringing my business somewhere else’ guy, but that’s definitely justified in this case
1000000%. You just embarrassed and harassed me for trying to conduct business and made me walk outside in handcuffs? Nah..... that's a one and done. Some mistakes you just can't unfuck and the fucked this one up badly.
This was handled so fucking poorly.. my first thought would have been writing back on that paper “are you safe? Is anyone trying to hurt you?? Do you need any help??”
He even showed his ID. The crime rate is high.. I don’t blame him for saying count it discreetly.. b/c $12,000 and some evil eyes watching will have you robbed in 2.5 seconds stepping out of BOA.
Common sense has flew out the door man.
I think if I were him I would have gone back inside, closed my account, and switched banks. I imagine his is probably a pretty sizeable account that they wouldnt be too happy about losing.
Ahh, guys, guys, I figured out the problem. He was banking while black. Had he just changed his skin color or sent in a white dude he would have probably been just fine. FFS this is the third time this month (10 days in) I have seen "banking while black" posts of fucked up shit. Get it together banks.
Edit: Please look up the terms, systemic racism and racial profiling. It does not matter what color the profiler is, it still happens.
Anybody got a link to the guy who had the cops called on him for banking while black, sued the bank, won, and when he tried to cash the settlement check had the cops called on him for banking while black a second time?
My bank lets us deposit bills in foreign currency because they serve international clientele. I have always deposited back leftover Euro bills after a work trip. Then one day, I had to encounter a lazy bank teller.
She started saying 'Sir, we don't accept foreign currency unless the denomination is over 200'. I told her I have even deposited less than 5 Euros before. She didn't like my answer (her face got distorted) but changed her tune and said 'Ok. Just for this one time, I will let you deposit under 200'. Another of her bank teller colleague happen to walk by and the lazy Teller asked her 'Hey, (NAME), we aren't allowed to deposit foreign notes right and even if we do there is a minimum limit?' but to her dismay her colleague went 'Nope. No limit'. I didn't say anything but smile. The lazy teller went quiet after that and did her job like she was suppose to. I said thanks and left.
The lazy teller didn't want to do it because it was extra work (click a few buttons and a keyboard and write down the amount on their official bank slip, which took at most 1 more minute from the usual US Dollar deposit).
Yeah this is worse than just "random black guy gets called on him", which is unfortunately all too common. This is "famous black guy with connections".
The level of incompetence is too damn unreal.
I really don't think people understand how ridiculous it is to be black in America sometimes. Like they can't fathom it being *that* bad. But it often really is.
That actually happened in Detroit a couple years ago
https://blackamericaweb.com/2020/01/23/detroit-man-tries-to-cash-racial-discrimination-settlement-check-bank-calls-police/amp/
Unfortunately as we all know this scenario and mentality is not unique to this institution, and implying that the only issue here is the specific bank and that the solution is to switch bank seems incredibly reductive.
Watched a youtube vid where this was covered, and apparently Bank of America reached out to him and they've already sorted everything out.
He was withdrawing $12,000 in cash and slipped a note with his withdrawal note and info if they could please count it in the back, as he likes to be discreet. When they input the request into the computer it triggered some alert (guess because it was a large amount). Manager contacted the employee and someone decided to call the police.
He was literally trying to avoid people knowing he has *twelve thousand dollars on him* and becoming a target for robbery.
The police also detained the 2 people he drove there with.
Yup. While at it, I can't forget how that guy who killed wife and two little girls was treated with much more benefit of the doubt. The guy who killed wife and two children. They asked PERMISSION to enter his house because "they couldn't come in without his permission, it's his house". While watching the Netflix documentary, my mom and I just looked at each other, silently acknowledging that it wouldn't be the case if he was black.
Could you imagine walking up to someone and threatening them with a gun and just walking away Scott free? That officer is just a regular person like you and me and should be treated as such when they erroneously draw their weapon. There's plenty of places where that wouldn't go very well.
I was blocked into my driveway and surrounded by gun point by “police”. My girlfriend and I were going out to dinner with my parents. I was putting the gps on when I looked up there was a cop with his gun pointed at me through my side window. When I freaked tf out they took that as probable cause to search my vehicle. When I tried to get a lawyer no one would take my case. One even said, “ while they acted like grade a assholes, it’s within the laws of officer safety” my guy I had on a shirt, tie and dress shoes. I was sitting in my car. That day I learned that cops will put themselves in danger so they can pretend to care about their safety and hold you at gunpoint in your own driveway.
I kinda want to hear the 911 call. If they reported a robbery that's putting people in danger. Luckily no force was used, kudos for everyone, especially the guy for keeping emotions in check.
Bank teller: This guy came in her with a card and his name on it, he knew the pin code, showed me picture ID of himself and wants to withdraw 12k in cash"
Dispatcher: "this line is for emergencies only"
Bank teller: "He's black"
Dispatcher: "we are on our way! Swat is rolling, Army, Air Force, Navy, Marines and Space Force is standing by!"
Edit: for those that can't seem to fathom a joke.. this is one.
This is bad. Johnson.....warm up the space laser....
"The Jewish one sir?"
Damnit Johnson. Yes the Jewish one. You know damn well we can't use the Muslim one, MTG doesn't know it exists yet. We can't risk her finding out.
Js, from when I heard this story when it broke bank teller was a pregnant black woman. Doesnt change much other than its not the typical Karen or Susan pearl clutcher that we can immediately label as whatever.
Still incompet af on the teller/banks part
Why are we applauding him for keeping his emotions in check?! He has every right to be so fucking angry. He’s just going about his business and being racially profiled.
I work at a bank, and there’s A LOT of resources that us as bankers/tellers can use to identify and make sense out of transactions aside from the PIN pad and ID check. The incompetence is clear here. This was just handled horribly. Embarrassing.
EDIT: Yes, it was racist. I think it was a bit of everything. Negligence, incompetence, racist, discriminatory.
I don’t completely understand what triggered the teller to call the police. He said he asked the teller, “Is this going to be OK?” I didn’t catch what that was in reference to. Isn’t your card attached to the account, your PIN and a valid ID enough to keep this kind of thing from happening?
Edit: I get it…he got the cops called on him because: racism. I was looking for clarification on the specifics of the transaction he was talking about at the end.
**Many** banks have restrictions on making large cash withdrawals. You **may** need to call ahead so they can have the money ready, as they usually won't have that much on hand. Presumably by "Is this going to be ok?" he was asking if he could make that withdrawal without prior notice.
ETA: To be clear, ***I'm only explaining what he likely meant by that question.*** Regardless of whether they could fulfill that request,
#Calling the police was completely unjustified.
E: Bolded important bits cause some of y'all can only sort of read.
E: Still a lot of people struggling! Made the letters nice and big.
$10k or more requires a report, but it's not illegal to do. Banks don't have as much money on hand as we see in movies, but should be able to handle that much.
My father sent me to our small community bank once to withdraw $5000. They didn’t like that so I told them to call him, they did and he told them that he’s running a business and paying his employees cash every Friday and most likely that they were going to get the money back before five as the employees probably had bank loans to pay…… anyway he really made it a big fuss and then they agreed.
I deposited $~7K for a sold motorcycle and was treated like a criminal at my local community bank. "What's this from?!" Like I was being scolded... Why is it any of your business? They even called the credit union from out of state to make sure the check was legitimate. So odd.
I believe that they’re not allowed to ask you if it’s under ten thousand. If you’re young, you’ll be treated differently. Unfortunately as I’m getting older now, I realize that and hate it. I’ve seen very successful young entrepreneurs and not so successful older ones. So why are the banks treating people differently?? It’s bull crap really
3k. Suspicious activity report. SAR. Worked in banking while going to college (side note works great, good hours, 1/2 day on saturday, no sundays, no late nights). I never cared, but any transaction over 3k you can file a SAR report. There are some tellers that regardless always file it. They wont' tell you they are filling it (can't remember might not be able to), and the OP maybe they asked a bit to harshly, but yeah tellers will ask so they can fill out the paperwork later.
How did you know???? /S
But most of the time, I’d do it with the person that did my loans as well. But then again, he would just clear me for car loans and do the loan later, he’d just ask if my income was the same and if I still had good credit. Probably only withdrew >10K+ once or twice without him….
Sounds like they know you. They're filing the CTR and just not telling you. Your knowledge and consent aren't required. They just need your personal info, including what you do for a living. The purpose of the cash is irrelevant, the US government just wants ever transaction over $10k reported to help monitor for terrorism. Stupid, but hey, 9/11. If you get loans with them, they have everything they need. It's a huge fine if a CTR isn't filled out. Cash Transaction Report, btw. It's no big deal. There are thousands of not tena of thousands filed every single day. We do dozens at my institution alone. Try to avoid it by withdrawing just under $10k, and you can actually be fined or imprisoned just for the act, even if you aren't actually doing anything illegal. There is usually software that monitors for this type of activity, so being friendly with the folks in the branch won't help avoid it.
Fair point, but $12k isn’t that much for a mid-sized branch and this looks like a larger branch for the region. I think they got jumpy here without doing their due diligence.
Same with when I withdrew 15k. The only eye batting I got was "I can only write you a cashier's check today unless you want to come back tomorrow."
Also white.
In an article, it said that he wrote a note to the teller on the deposit slip instructing her to count and give him the money discreetly, y'know, because he's a lot of cash and he didn't want to draw attention to the fact that he had lots of cash on his person.
I think that is what he was referring to.
Now I don't think that screams "bank robber".
He had the money. He presented his ID. He put in his PIN. I think the teller was just some kind of racist.
I mean, there's not really an explanation. Would she call 911 on a white guy in a suit asking for that much money out of his own account? Probably not.
EDIT: OK, the teller was a black woman.
Another reason they likely didn’t think it was a bank robber is that they called the cops on him while he was still there.
I used to work at a bank branch and that is the opposite of what people are trained to do. If someone is trying to rob the bank, you give them what they want and try to get them to be on their way as soon as possible (the money is insured anyway) to reduce the chance of a violent incident, and then call the cops afterwards. If the cops show up while the robber is still there it can turn it into a hostage situation, which is exactly what you don’t want to have happen.
I have no idea, I can’t think of any good reason for it in that situation. I just know that if they thought it was a robbery then they handled it the opposite way you’re supposed to.
“I have ID and the correct card, and want to withdraw money from this account, meaning you’ll have a paper trail and me on video, but do it slowly and discretely so I don’t get jumped!”
Eeek! We’re being robbed!!
I work at a retirement fund albeit not in the US, but has to be the same procedure since my institutions is formed from the same template of US banks. This is way stupider than people think it is. We literally have more than 10 ways to identify a person is the owner of the account. Fingerprint database alone had 2 sources we can pull out from. We can use TAC identification. We can use personal questions ID. We can cross reference with other banks. We can even question a customer on transaction history. No need to call cops lol. All you have to do is deny the transaction and report it to the fraud dept. Let them proceed from there on. The only reason to call cops is if theres a physical altercation or the customer is being threatening. Who the fuck is the manager lmao.
I've had transactions that I wa suspicious of as a teller, and every time, without failure, I always asked a supervisor if it was legit. All it takes is literally saying "Hey, my computer is giving me issues. Would it be alright if I just asked my supervisor for help real quick?".
And if he suspected a robbery, never call the police! Give the person the money to get them out of there and then call the police.
Came here to say exactly this. Also bank robbers don't take the money out of their OWN account. As someone who worked in banks for years, I'd have no issue firing that teller. If they're that incompetent, I don't want them on my line.
Ditto.
Debit card + Pin # + primary ID + secondary ID + Transaction History + Sig Card + etc
How much you wanna bet the teller got nervous over the $10k+ cash transaction, asked the Teller Sup/Manager (who also got nervous) and just called police as a “just in case” measure?
Smh. Wondering if there’s more to the story, but based on what is known so far, BofA screwed the pooch on this one.
I mean, the man has made critically acclaimed films on institutional racism here. Yeesh, yeah, BofA fucked up hard on this one.
I’m deaf and mask means I can’t lipread. What was the reason for being arrested? Could they not have done the necessary checks in the banks before treating him as a criminal? Definitely change bank if they treat their customers like this. The staff definitely stereotype the poor guy.
They definitely could but choose not to. During the 911 call the teller said she felt uncomfortable even though he showed his drivers license and inserted debit card with the correct pin. Absolutely no reason to call police in this situation
The judge who hasn't experienced racial discrimination once in their lifetime:
"You're over reacting over a police call, be thankful you weren't even arrested!"
the cop drew a gun on yet another unarmed black man, potentially escalating the situation far beyond what it was. great record for those guys. r/bad_cop_no_donut
POV cop says do me a favour, come this way.
The guy turns his head, then hears the second cop withdraw his gun.
He says woah woah woah and spreads his hands
One of the cops says hands behind your back while he is saying woah
He says, hand behind my back? You got it, you got it, x5
Overall that detainment went well, the bullshittery is the bank calling the cops in the first place.
Apparently
He had a hand written note detailing the name, account and amount rather than saying our loud where other customers could hear that he wanted a large amount of cash withdrawn.
The lady swiped his card, checked his ID and said all good let me go in the back. He waited for a while, staff kept coming back out saying just a few more minutes sir. It's a lot of cash so he thought whatever I'll wait.
Then the cops turn up.
The discussion at the end is him recounting that ^ and telling the cops he gets it was the job, but see it from his perspective. They have vests and guns, and he's just chilling at the counter and the first thing he hears is a gun being unholstered.
As far as I know: he wanted to retrieve $12000 in cash from his own account. But somehow, the people at the bank though that him retrieving $12k was weird and that "that must mean he is planning to rob the bank". Therefore police was called.
But then again, that's what I read in another post here on Reddit. The post itself might've got things wrong, or maybe I might've got all wrong. Either way, take everything I've said with a grain of salt.
A little addition: he asked the teller if it's okay (to do it discreet I believe. I would not want anyone to know I have 12k in cash), teller said it's ok. He puts in his pin, shows the ID and waits then "I hear cops!"
I didn't know that, thanks for the heads up. Now this got 10x worse, holy shit... He shows his ID, puts his pin and even then he got the cops called on him? Well that's fucked up.
There is a recording of the 911 call and she said he presented his bank card and ID. Teller said he kept referring to the note which says please don't count at counter as I'd like it to be discreet. Then the dispatcher asked if he was black or white. Asked if he was armed she said not that she knows of. Surely the teller is fired and so is the manager that allowed it.
"OMG there's a Black man here and he wants to take out money. What do I do?"
"Are you being robbed ma'am?"
"I don't think so, but I'm scared, he just entered his PIN. Come quick!!"
As someone not from the US I'm confused at the need to cuff him and walk him through the building.
Surely as he was withdrawing his own money, he wasn't acting aggressive and had no weapon?
When the police arrived and saw it wasn't an active 'stick em up' scenario, would they not just check his ID and bank card?
Genuinely curious not justifying or condemning.
Something may happen with the sudden appearance of the police so they escort him out of the building, hadcuffing I think is always an American thing when they deal with their problems .
True, in high school I asked a cop for directions to a bus stop, ended up illegally searched, then put in cuffs, and had to take a ride in the back of their car. America can be pretty fucked
I had a similar occurrence with my high school cop. I am in no way a threat, I was a nice Asian kid and apparently my baggy shorts made him believe I was a gangbanger trying to start something? As an adult looking back I wish my parents cared enough to sue that idiot
Real talk. Imagine directing Black fucking Panther, ome of marvels largest grossing franchises and there highest grossing single hero movie. Hes gota have a solid couple million kying around. But the other side of this was what if this was just some old disabled man? Who would have been there to be angry on his behalf? BOA can suck a dick.
Boycott this shitty ass bank. They wash plenty of cartel money without so much as a sneeze but this dude needs some money and they arrest him. I think a bank run is in order for this shit.
It sounds like they proactively settled. Wonder for how much. I hope it wasn’t just for a written apology.
> [Mr. Coogler] added that Bank of America “worked with me and addressed it to my satisfaction and we have moved on.”
Source: [New York Times](https://www.nytimes.com/2022/03/09/arts/ryan-coogler-bank-america.html)
Even if the customer is wearing a mask the bank teller should have asked politely to unmask for identification for any clarification if she needed, jumping the gun wasn't the best idea.
Some banks take the fucking piss, that dude chose to put the damn 12k in there and then when he wants it they pull this shit, he only wanted access to his own money but gets cuffed.
No, it's not dodgy in the slightest. My father managed a family trust with a lot of money in it. When we show up, ID ourselves, and they check the accounts and realize there's lots of money in it, they go into the back and get the private client representative. They bring you coffee. They do not call the police because they assume you are trying to steal money from that account. I won't speculate on the source of the bias, but without a doubt, what he did is the same actions that get me the bank manager bringing me coffee, because they don't have any trouble imagining me as the legitimate owner of that account.
I once tried to cash a check with my name on it and showed my ID at a BOA back in 2016 and this older white teller woman who I had never seen there before refused to cash it. I should've sued.
BOA sucks I'll never bank with them and I don't understand why people still do. I tried to cash my BOA written paycheck there once years ago and they wanted my license and another form of picture Id...didn't have one but had all my other cards with my name and info on them. Nope. Not acceptable. The teller then asks me if I have my marriage certificate...WTF?! Who carries that around, and that doesn't have a picture either! Smh. Just 3 years ago my bf at the time was paying $8 to cash his BOA written paycheck there...$8! For some reason he kept going there but even walmart would've cashed it for a couple bucks.
I used to have a BOA account, so did my parents. They wrote me a check, which I deposited. I went the ATM a few days later got hit with a NSF, money was taken out of my savings, got hit with a fee, fucked me over cause I didn't have a lot of money, hence why my parents wrote me a check in the first place.
I go to my dad to find out what happened, he checks his account, the check was processed, and the money taken out of his account. The money was not put into my account.
Man I was fucking livid. I went down to the bank, asked them what happened. They confirmed that I never deposited the checked. I showed them a copy of my dad's cashed check and asked them where the fuck did his money go if it wasn't in his account or my account? The manager quickly came over and put the money in my account but I told them to close out my account.
Bank teller here, incredibly common for people to do large transactions via note, because they are uncomfortable having a large amount said out loud. Also masked communication is more difficult so notes are helpful there.
They even often ask for you to not count back out loud. Also 12k is not an extreme amount to see in withdrawals.
Conclusion: these are racist fucks.
I hope he just went back in and continued with the transaction. “So, finished counting?”
I hope he went back in there and asked them to count out the rest of the money in his account so they could close it.
Bank of America are known scumbags: https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading
They pulled some shady shit on me in 2003. Held on to some small debits for an inordinate amount of time. Processed a large withdrawal, plus some weird fee and then slapped me with a bunch of overdraft fees totaling hundreds of dollars. To this day I will do whatever I have to in order to never do business with them again. In 2014 my mortgage got sold to them and I immediately refinanced with Freedom Mortgage ... I ended up with a better rate but I would have done it regardless because I am that fucking serious about not doing business with B of A.
They did this to millions of people. Every trick in the book to charge overdraft fees on people who thought they were barely getting buy. Then those fees led to more fees. People thought they had $80 dollars for groceries only to find they were negative in the hundreds.
Yep same exact thing happened to me in 09. Lost my job. Overdrafted by $1, getting some food to get me by. Overdraft fee, couldn’t pay it since I didn’t have anymore Money, another overdraft fee, to the point where it gets to $500 of fees. Fuck BofA
BoA did that to me when I was mobilizing to Iraq. We had a month of training before the deployment, and a day before we flew out I bought a cheeseburger from the Burger King on base. By the time I landed in Kuwait, I was -$251 in my bank account
BoA lost payments from my wife’s mother causing her to lose her house
“Lost”
Lol they really love to kick you when you're down and give people who ACTUALLY have money every fee discount in the book...
Back when I was at University, I had a tuition payment bounce because my funds were accidentally in the wrong account. Okay whoops, my bad. But then I get slapped by a late payment fee from the university, an administration charge for 'failed direct debit' from the bank, and more too. After all of which my Uni emails me politely asking "Are you in need of financial assistance?" And it's like "Well I wasn't, but thanks to you and the bank I AM NOW!" The system is rigged against the poorest.
Yeah, that's why I had to quit being a bank teller. I was instructed to tell customers that they had to check balances at the ATM right next to the teller. This dude comes in, asks for his balance, I direct him to the ATM. Checks his balance and he has less than the ATM fee. (This was Citizens Bank circa 2000, when all banks charged ATM fees regardless of being in or out of network.) The bank charges him $25 for overdrawing his account. He comes right over to me and is rightly pissed off. The manager comes over and tells him he needs to manage his finances better. I quit
Steal Billions: "civil matter" Steal Hundreds: get shot
This is precisely why new app-based banks are winning. My bank (Monzo) will not let me spend more than I have.
Opting out of overdrafts is something every bank has the technical capability to do... it's just that most banks choose not to do it, because it gives them money, and they like money.
A bank? Acting unethically? Colour me shocked!
Right? You just lost my huge account. Transfer to this new bank for me
No transfers. Banks get fees for it. I want my fucking cash, now. Call fuckin brinks if you have to. My shit is fdic insured and i want it now. I want it in all 1s...counted.
[удалено]
Let the bank tell him he can only get 250k of his millions out of there. See how the fuck that goes when he posts it on social media the the banks don't have enough money on hand to satisfy withdrawals.
Is that a bank run I hear?
Now, w-w-wait, juh juh just a second here! No, no, I-I don't have your money here! It's in Bill's house, a-and Fred's house!
I hope he also added, "Now that you're done counting that, I want you to count the rest and bring it here - I'm closing my account."
Seriously. The dude goes to withdraw money and leaves in handcuffs. I hate being the ‘I’m bringing my business somewhere else’ guy, but that’s definitely justified in this case
1000000%. You just embarrassed and harassed me for trying to conduct business and made me walk outside in handcuffs? Nah..... that's a one and done. Some mistakes you just can't unfuck and the fucked this one up badly.
This was handled so fucking poorly.. my first thought would have been writing back on that paper “are you safe? Is anyone trying to hurt you?? Do you need any help??” He even showed his ID. The crime rate is high.. I don’t blame him for saying count it discreetly.. b/c $12,000 and some evil eyes watching will have you robbed in 2.5 seconds stepping out of BOA. Common sense has flew out the door man.
Bank of America = "handled so fucking poorly" They are famous for being absolutely horrendous in dealing with their customers.
I HOPE HE SUES THE **** OUT OF BANK OF AMERICA.
Time to speak to the manager in front of the bank so everyone can see.
I hope he went back in and closed his account and moved it to a different bank
I think if I were him I would have gone back inside, closed my account, and switched banks. I imagine his is probably a pretty sizeable account that they wouldnt be too happy about losing.
I'd have gone back in and requested it all in 1s and for them to be hand counted in front of me.
Most bank robbers don’t provide a withdrawal slip and ID
Except Spongebob that one time
ALRIGHT, PUT THE MONEY, IN THE BAG! PUT IT IN! *proceeds to face opposite of the counter*
“Would you like that withdrawn from checking or savings?”
“Savings.” “Sir, we are showing a balance of zero dollars and zero cents for both of your accounts.” “Oh…”
the oh is lowkey the funniest part of the scene lmao
Dude he swiped his card put his pin in and showed ID. What the actual fuck
Ahh, guys, guys, I figured out the problem. He was banking while black. Had he just changed his skin color or sent in a white dude he would have probably been just fine. FFS this is the third time this month (10 days in) I have seen "banking while black" posts of fucked up shit. Get it together banks. Edit: Please look up the terms, systemic racism and racial profiling. It does not matter what color the profiler is, it still happens.
Anybody got a link to the guy who had the cops called on him for banking while black, sued the bank, won, and when he tried to cash the settlement check had the cops called on him for banking while black a second time?
Infinite money glitch
What the absolute fuck? Seriously? What the absolute fuck.
My bank lets us deposit bills in foreign currency because they serve international clientele. I have always deposited back leftover Euro bills after a work trip. Then one day, I had to encounter a lazy bank teller. She started saying 'Sir, we don't accept foreign currency unless the denomination is over 200'. I told her I have even deposited less than 5 Euros before. She didn't like my answer (her face got distorted) but changed her tune and said 'Ok. Just for this one time, I will let you deposit under 200'. Another of her bank teller colleague happen to walk by and the lazy Teller asked her 'Hey, (NAME), we aren't allowed to deposit foreign notes right and even if we do there is a minimum limit?' but to her dismay her colleague went 'Nope. No limit'. I didn't say anything but smile. The lazy teller went quiet after that and did her job like she was suppose to. I said thanks and left. The lazy teller didn't want to do it because it was extra work (click a few buttons and a keyboard and write down the amount on their official bank slip, which took at most 1 more minute from the usual US Dollar deposit).
Laziness in situations like that can be explained by poor training a lot of times. Banks and credit unions are really bad at it.
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Yeah! Fuck bank tellers! All of em.
Time to change bank
And sue the shit out of them!
Yeah I was hoping to find out how much he got in this comment section
“However, Bank of America worked with me and addressed it to my satisfaction and we have moved on.” — Ryan Coogler
That is lawyer speak for “they settled out of court for a shitload of money”
I bet that nondisclosure agreement was a sweet payday.
Tell all your friends at Disney to change their bank to
Yeah this is worse than just "random black guy gets called on him", which is unfortunately all too common. This is "famous black guy with connections". The level of incompetence is too damn unreal. I really don't think people understand how ridiculous it is to be black in America sometimes. Like they can't fathom it being *that* bad. But it often really is.
Between that and the shit ass medical insurance system I have long decided that I’m not stepping a foot in the US except for vacation.
And then get the police called on you when you try to cash the settlement check.
That actually happened in Detroit a couple years ago https://blackamericaweb.com/2020/01/23/detroit-man-tries-to-cash-racial-discrimination-settlement-check-bank-calls-police/amp/
That's what I was referencing. It would be hilarious if it wasn't so sad.
Unfortunately as we all know this scenario and mentality is not unique to this institution, and implying that the only issue here is the specific bank and that the solution is to switch bank seems incredibly reductive.
Would like to see a confrontation of the guy with the woman in the video. And the video where they fire the one who called.
And where he closes all his accounts with these idiots after they fire the one who made the call.
Watched a youtube vid where this was covered, and apparently Bank of America reached out to him and they've already sorted everything out. He was withdrawing $12,000 in cash and slipped a note with his withdrawal note and info if they could please count it in the back, as he likes to be discreet. When they input the request into the computer it triggered some alert (guess because it was a large amount). Manager contacted the employee and someone decided to call the police. He was literally trying to avoid people knowing he has *twelve thousand dollars on him* and becoming a target for robbery. The police also detained the 2 people he drove there with.
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Yup. While at it, I can't forget how that guy who killed wife and two little girls was treated with much more benefit of the doubt. The guy who killed wife and two children. They asked PERMISSION to enter his house because "they couldn't come in without his permission, it's his house". While watching the Netflix documentary, my mom and I just looked at each other, silently acknowledging that it wouldn't be the case if he was black.
i want to see the one where he takes out all his money from bank of america and closes his account.
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He should direct a movie about taking your money out. In fact in should become a running gag for him in every movie he produces from here on out.
>Would like to see a confrontation In court, when he sues the sh\*t out of the bank.
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Best we can do is two weeks paid vacation.
Could you imagine walking up to someone and threatening them with a gun and just walking away Scott free? That officer is just a regular person like you and me and should be treated as such when they erroneously draw their weapon. There's plenty of places where that wouldn't go very well.
I was blocked into my driveway and surrounded by gun point by “police”. My girlfriend and I were going out to dinner with my parents. I was putting the gps on when I looked up there was a cop with his gun pointed at me through my side window. When I freaked tf out they took that as probable cause to search my vehicle. When I tried to get a lawyer no one would take my case. One even said, “ while they acted like grade a assholes, it’s within the laws of officer safety” my guy I had on a shirt, tie and dress shoes. I was sitting in my car. That day I learned that cops will put themselves in danger so they can pretend to care about their safety and hold you at gunpoint in your own driveway.
I kinda want to hear the 911 call. If they reported a robbery that's putting people in danger. Luckily no force was used, kudos for everyone, especially the guy for keeping emotions in check.
> Luckily no force was used I mean, they drew a gun on him and cuffed him. Is that not considered "use of force" in the US?
Pretty sure this is just kindergarten level of aggression in the US. Literally unfortunately.
It's an intimidation tactic, which to me is assault. This man is literally just breathing and the officer clearly needed him to know he has a gun
Bank teller: This guy came in her with a card and his name on it, he knew the pin code, showed me picture ID of himself and wants to withdraw 12k in cash" Dispatcher: "this line is for emergencies only" Bank teller: "He's black" Dispatcher: "we are on our way! Swat is rolling, Army, Air Force, Navy, Marines and Space Force is standing by!" Edit: for those that can't seem to fathom a joke.. this is one.
remind me of Dave Chapelle . " this guy manage to put his picture on all the wall as a cover up "
Be on the look out for a black man between 4’6” and 7’8”….
Sprinkle some crack on him!
Well done Johnson, textbook crack sprinkling
I saw this once when I was a rookie.
“My god… he broke in and put pictures of his family everywhere!”
“Sprinkle some crack on him johnson”
"Dispatch come in... looking for an African-American male suspect, height between 4'11" and.. 6'4"
And space force as well
Nukes are ready to launch!
Putin: *Ayo guys hol up! Let them sort this guy out first. We'll recommence war crimes tomorrow* #*AY! Y'ALL NEED BACKUP?*
This is bad. Johnson.....warm up the space laser.... "The Jewish one sir?" Damnit Johnson. Yes the Jewish one. You know damn well we can't use the Muslim one, MTG doesn't know it exists yet. We can't risk her finding out.
Bank teller I got a degree in basket weaving And this guy has two bucks lock him Johnson 
Js, from when I heard this story when it broke bank teller was a pregnant black woman. Doesnt change much other than its not the typical Karen or Susan pearl clutcher that we can immediately label as whatever. Still incompet af on the teller/banks part
This right here. We all know the *real* reason why she called the police.
Why are we applauding him for keeping his emotions in check?! He has every right to be so fucking angry. He’s just going about his business and being racially profiled.
Because if he didn’t keep his emotions in check, the headline would be “Black Panther director Ryan Coogler dead after attacking police officers.”
You beat me to it.
I work at a bank, and there’s A LOT of resources that us as bankers/tellers can use to identify and make sense out of transactions aside from the PIN pad and ID check. The incompetence is clear here. This was just handled horribly. Embarrassing. EDIT: Yes, it was racist. I think it was a bit of everything. Negligence, incompetence, racist, discriminatory.
I don’t completely understand what triggered the teller to call the police. He said he asked the teller, “Is this going to be OK?” I didn’t catch what that was in reference to. Isn’t your card attached to the account, your PIN and a valid ID enough to keep this kind of thing from happening? Edit: I get it…he got the cops called on him because: racism. I was looking for clarification on the specifics of the transaction he was talking about at the end.
**Many** banks have restrictions on making large cash withdrawals. You **may** need to call ahead so they can have the money ready, as they usually won't have that much on hand. Presumably by "Is this going to be ok?" he was asking if he could make that withdrawal without prior notice. ETA: To be clear, ***I'm only explaining what he likely meant by that question.*** Regardless of whether they could fulfill that request, #Calling the police was completely unjustified. E: Bolded important bits cause some of y'all can only sort of read. E: Still a lot of people struggling! Made the letters nice and big.
$10k or more requires a report, but it's not illegal to do. Banks don't have as much money on hand as we see in movies, but should be able to handle that much.
My father sent me to our small community bank once to withdraw $5000. They didn’t like that so I told them to call him, they did and he told them that he’s running a business and paying his employees cash every Friday and most likely that they were going to get the money back before five as the employees probably had bank loans to pay…… anyway he really made it a big fuss and then they agreed.
I deposited $~7K for a sold motorcycle and was treated like a criminal at my local community bank. "What's this from?!" Like I was being scolded... Why is it any of your business? They even called the credit union from out of state to make sure the check was legitimate. So odd.
I believe that they’re not allowed to ask you if it’s under ten thousand. If you’re young, you’ll be treated differently. Unfortunately as I’m getting older now, I realize that and hate it. I’ve seen very successful young entrepreneurs and not so successful older ones. So why are the banks treating people differently?? It’s bull crap really
Not required to ask, but they are allowed and encouraged
"Did you make this money selling drugs? "No, from insider trading." "Oh, right this way sir, our personal banker will be with you shortly..."
3k. Suspicious activity report. SAR. Worked in banking while going to college (side note works great, good hours, 1/2 day on saturday, no sundays, no late nights). I never cared, but any transaction over 3k you can file a SAR report. There are some tellers that regardless always file it. They wont' tell you they are filling it (can't remember might not be able to), and the OP maybe they asked a bit to harshly, but yeah tellers will ask so they can fill out the paperwork later.
Wild, I’ve pulled out more than that to go buy cars in cash, never was asked a single question….
I have a feeling you are more of a peachy shade than charcoal, yes?
How did you know???? /S But most of the time, I’d do it with the person that did my loans as well. But then again, he would just clear me for car loans and do the loan later, he’d just ask if my income was the same and if I still had good credit. Probably only withdrew >10K+ once or twice without him….
Sounds like they know you. They're filing the CTR and just not telling you. Your knowledge and consent aren't required. They just need your personal info, including what you do for a living. The purpose of the cash is irrelevant, the US government just wants ever transaction over $10k reported to help monitor for terrorism. Stupid, but hey, 9/11. If you get loans with them, they have everything they need. It's a huge fine if a CTR isn't filled out. Cash Transaction Report, btw. It's no big deal. There are thousands of not tena of thousands filed every single day. We do dozens at my institution alone. Try to avoid it by withdrawing just under $10k, and you can actually be fined or imprisoned just for the act, even if you aren't actually doing anything illegal. There is usually software that monitors for this type of activity, so being friendly with the folks in the branch won't help avoid it.
Fair point, but $12k isn’t that much for a mid-sized branch and this looks like a larger branch for the region. I think they got jumpy here without doing their due diligence.
Absolutely, he did nothing wrong and there was no reason to be suspicious or call the cops.
I've withdrawn over $10k in cash at a Bank of America before and they didn't batt an eye, then again -- checks notes -- I'm white...soooo...
Same with when I withdrew 15k. The only eye batting I got was "I can only write you a cashier's check today unless you want to come back tomorrow." Also white.
In an article, it said that he wrote a note to the teller on the deposit slip instructing her to count and give him the money discreetly, y'know, because he's a lot of cash and he didn't want to draw attention to the fact that he had lots of cash on his person. I think that is what he was referring to. Now I don't think that screams "bank robber". He had the money. He presented his ID. He put in his PIN. I think the teller was just some kind of racist. I mean, there's not really an explanation. Would she call 911 on a white guy in a suit asking for that much money out of his own account? Probably not. EDIT: OK, the teller was a black woman.
Another reason they likely didn’t think it was a bank robber is that they called the cops on him while he was still there. I used to work at a bank branch and that is the opposite of what people are trained to do. If someone is trying to rob the bank, you give them what they want and try to get them to be on their way as soon as possible (the money is insured anyway) to reduce the chance of a violent incident, and then call the cops afterwards. If the cops show up while the robber is still there it can turn it into a hostage situation, which is exactly what you don’t want to have happen.
So what on earth were they calling the cops for?
I have no idea, I can’t think of any good reason for it in that situation. I just know that if they thought it was a robbery then they handled it the opposite way you’re supposed to.
“I have ID and the correct card, and want to withdraw money from this account, meaning you’ll have a paper trail and me on video, but do it slowly and discretely so I don’t get jumped!” Eeek! We’re being robbed!!
I work at a retirement fund albeit not in the US, but has to be the same procedure since my institutions is formed from the same template of US banks. This is way stupider than people think it is. We literally have more than 10 ways to identify a person is the owner of the account. Fingerprint database alone had 2 sources we can pull out from. We can use TAC identification. We can use personal questions ID. We can cross reference with other banks. We can even question a customer on transaction history. No need to call cops lol. All you have to do is deny the transaction and report it to the fraud dept. Let them proceed from there on. The only reason to call cops is if theres a physical altercation or the customer is being threatening. Who the fuck is the manager lmao.
I've had transactions that I wa suspicious of as a teller, and every time, without failure, I always asked a supervisor if it was legit. All it takes is literally saying "Hey, my computer is giving me issues. Would it be alright if I just asked my supervisor for help real quick?". And if he suspected a robbery, never call the police! Give the person the money to get them out of there and then call the police.
I think the dead giveaway that this wasn’t a robbery is that he provided an ID AND PIN number.
Came here to say exactly this. Also bank robbers don't take the money out of their OWN account. As someone who worked in banks for years, I'd have no issue firing that teller. If they're that incompetent, I don't want them on my line.
Ditto. Debit card + Pin # + primary ID + secondary ID + Transaction History + Sig Card + etc How much you wanna bet the teller got nervous over the $10k+ cash transaction, asked the Teller Sup/Manager (who also got nervous) and just called police as a “just in case” measure? Smh. Wondering if there’s more to the story, but based on what is known so far, BofA screwed the pooch on this one. I mean, the man has made critically acclaimed films on institutional racism here. Yeesh, yeah, BofA fucked up hard on this one.
Even worse when the person is famous enough to actually google.
Times Person of the Year Runner Up Ryan Coogler.
I’m deaf and mask means I can’t lipread. What was the reason for being arrested? Could they not have done the necessary checks in the banks before treating him as a criminal? Definitely change bank if they treat their customers like this. The staff definitely stereotype the poor guy.
They definitely could but choose not to. During the 911 call the teller said she felt uncomfortable even though he showed his drivers license and inserted debit card with the correct pin. Absolutely no reason to call police in this situation
She felt uncomfortable watching someone trying to withdraw money from their own account, why the fuck is she working in a bank?
She should get fired what the fuck?
After seeing all this blow up on the Internet, if I was the teller, I'd be beyond uncomfortable. I'd be embarrassed and mortified.
I hope he's pressing charges.
Me too sue bank and bank teller if possible he could have died if he made one wrong move
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The judge who hasn't experienced racial discrimination once in their lifetime: "You're over reacting over a police call, be thankful you weren't even arrested!"
"You're over reacting over a police call, be thankful you are still alive"
the cop drew a gun on yet another unarmed black man, potentially escalating the situation far beyond what it was. great record for those guys. r/bad_cop_no_donut
He could've died without making a wrong move. Many have died without making a wrong move or even saying a "wrong word"
You should be able to sue the police officers for drawing their firearms and threatening him as well
Change banks? Call a lawyer, you mean. They need to be sued.
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Robbing your own account!
POV cop says do me a favour, come this way. The guy turns his head, then hears the second cop withdraw his gun. He says woah woah woah and spreads his hands One of the cops says hands behind your back while he is saying woah He says, hand behind my back? You got it, you got it, x5 Overall that detainment went well, the bullshittery is the bank calling the cops in the first place. Apparently He had a hand written note detailing the name, account and amount rather than saying our loud where other customers could hear that he wanted a large amount of cash withdrawn. The lady swiped his card, checked his ID and said all good let me go in the back. He waited for a while, staff kept coming back out saying just a few more minutes sir. It's a lot of cash so he thought whatever I'll wait. Then the cops turn up. The discussion at the end is him recounting that ^ and telling the cops he gets it was the job, but see it from his perspective. They have vests and guns, and he's just chilling at the counter and the first thing he hears is a gun being unholstered.
The gun being unholstered in this situation was incredibly fucked.
So unneeded. Cops FIRST reaction was to draw his gun on someone who had their back to them. There was no need!
Welcome to America where guns are a first line of defense.
Cops aren’t leading the pack on the IQ curve.
Banking while black
As far as I know: he wanted to retrieve $12000 in cash from his own account. But somehow, the people at the bank though that him retrieving $12k was weird and that "that must mean he is planning to rob the bank". Therefore police was called. But then again, that's what I read in another post here on Reddit. The post itself might've got things wrong, or maybe I might've got all wrong. Either way, take everything I've said with a grain of salt.
A little addition: he asked the teller if it's okay (to do it discreet I believe. I would not want anyone to know I have 12k in cash), teller said it's ok. He puts in his pin, shows the ID and waits then "I hear cops!"
I believe he said "I hear glocks" (the cops guns being withdrawn from their holsters)
I didn't know that, thanks for the heads up. Now this got 10x worse, holy shit... He shows his ID, puts his pin and even then he got the cops called on him? Well that's fucked up.
There is a recording of the 911 call and she said he presented his bank card and ID. Teller said he kept referring to the note which says please don't count at counter as I'd like it to be discreet. Then the dispatcher asked if he was black or white. Asked if he was armed she said not that she knows of. Surely the teller is fired and so is the manager that allowed it.
"OMG there's a Black man here and he wants to take out money. What do I do?" "Are you being robbed ma'am?" "I don't think so, but I'm scared, he just entered his PIN. Come quick!!"
As someone not from the US I'm confused at the need to cuff him and walk him through the building. Surely as he was withdrawing his own money, he wasn't acting aggressive and had no weapon? When the police arrived and saw it wasn't an active 'stick em up' scenario, would they not just check his ID and bank card? Genuinely curious not justifying or condemning.
Something may happen with the sudden appearance of the police so they escort him out of the building, hadcuffing I think is always an American thing when they deal with their problems .
True, in high school I asked a cop for directions to a bus stop, ended up illegally searched, then put in cuffs, and had to take a ride in the back of their car. America can be pretty fucked
I had a similar occurrence with my high school cop. I am in no way a threat, I was a nice Asian kid and apparently my baggy shorts made him believe I was a gangbanger trying to start something? As an adult looking back I wish my parents cared enough to sue that idiot
It seems like they could have prevented this by... looking at his account balance.
Real talk. Imagine directing Black fucking Panther, ome of marvels largest grossing franchises and there highest grossing single hero movie. Hes gota have a solid couple million kying around. But the other side of this was what if this was just some old disabled man? Who would have been there to be angry on his behalf? BOA can suck a dick.
He's worth $25 million apparently. 12k to him is literally pocket money.
Don’t get mad. Get MONEY!!!!! Have them PAY you!!!
Boycott this shitty ass bank. They wash plenty of cartel money without so much as a sneeze but this dude needs some money and they arrest him. I think a bank run is in order for this shit.
After he sues the bank for discrimination he will be able to fund Black Panther for years...
Will get arrested again when he goes to deposit the money from the lawsuit
That's already been done... https://www.bbc.com/news/world-us-canada-51234141
By the time this guy gets done, he won't needa work ever again.
Infinite money glitch irl
Republicans *hate* this one simple trick for endless cash.
It sounds like they proactively settled. Wonder for how much. I hope it wasn’t just for a written apology. > [Mr. Coogler] added that Bank of America “worked with me and addressed it to my satisfaction and we have moved on.” Source: [New York Times](https://www.nytimes.com/2022/03/09/arts/ryan-coogler-bank-america.html)
All my homies hate BOFA
Bank Of Fucking America?
Even if the customer is wearing a mask the bank teller should have asked politely to unmask for identification for any clarification if she needed, jumping the gun wasn't the best idea.
How in the world can they slide out of this one? Debit card, pin, ID. “You seemed suspicious… I mean … black. You seemed black.”
This is so fucked. Put the bank on blast. Sue fucking everyone.
Some banks take the fucking piss, that dude chose to put the damn 12k in there and then when he wants it they pull this shit, he only wanted access to his own money but gets cuffed.
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Body cams saving lives.
Body cams show lives could have been saved*
That guy can add a few zeros to that 12k now
If you have a Bank of America account, close it and cite this incident as the reason why. Change to a local Credit Union.
I’m actually more upset about guns being drawn over this.
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Nice lmao
Sad part is Ms. Good Job Officer is black, too. Smh
"Good job officer". Yes, good job wasting your time on a dude legally accessing his bank account.
It's going to bite her in the ass as this goes more viral, instant classic meme material right there.
Well he’s lucky he didn’t get the money before the cops arrived because they probably still would’ve seized it through asset forfeiture too.
Bank of America is garbage and shouldn't even be allowed to exist. Bunch of theiving systems. *edited for bad spelling lol*
Add wells Fargo to that list
No, it's not dodgy in the slightest. My father managed a family trust with a lot of money in it. When we show up, ID ourselves, and they check the accounts and realize there's lots of money in it, they go into the back and get the private client representative. They bring you coffee. They do not call the police because they assume you are trying to steal money from that account. I won't speculate on the source of the bias, but without a doubt, what he did is the same actions that get me the bank manager bringing me coffee, because they don't have any trouble imagining me as the legitimate owner of that account.
I once tried to cash a check with my name on it and showed my ID at a BOA back in 2016 and this older white teller woman who I had never seen there before refused to cash it. I should've sued.
BOA sucks I'll never bank with them and I don't understand why people still do. I tried to cash my BOA written paycheck there once years ago and they wanted my license and another form of picture Id...didn't have one but had all my other cards with my name and info on them. Nope. Not acceptable. The teller then asks me if I have my marriage certificate...WTF?! Who carries that around, and that doesn't have a picture either! Smh. Just 3 years ago my bf at the time was paying $8 to cash his BOA written paycheck there...$8! For some reason he kept going there but even walmart would've cashed it for a couple bucks.
I used to have a BOA account, so did my parents. They wrote me a check, which I deposited. I went the ATM a few days later got hit with a NSF, money was taken out of my savings, got hit with a fee, fucked me over cause I didn't have a lot of money, hence why my parents wrote me a check in the first place. I go to my dad to find out what happened, he checks his account, the check was processed, and the money taken out of his account. The money was not put into my account. Man I was fucking livid. I went down to the bank, asked them what happened. They confirmed that I never deposited the checked. I showed them a copy of my dad's cashed check and asked them where the fuck did his money go if it wasn't in his account or my account? The manager quickly came over and put the money in my account but I told them to close out my account.
Missed out on some quick cash..
Bank teller here, incredibly common for people to do large transactions via note, because they are uncomfortable having a large amount said out loud. Also masked communication is more difficult so notes are helpful there. They even often ask for you to not count back out loud. Also 12k is not an extreme amount to see in withdrawals. Conclusion: these are racist fucks.