{"id":11280,"date":"2025-02-12T04:00:00","date_gmt":"2025-02-12T11:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=11280"},"modified":"2025-02-12T08:02:44","modified_gmt":"2025-02-12T15:02:44","slug":"post-cfpbpocolpyse-wisdom-your-options","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2025\/02\/12\/post-cfpbpocolpyse-wisdom-your-options\/","title":{"rendered":"Wednesday Wisdom: Your Options"},"content":{"rendered":"\n<p>The CFPB is effectively non-existent \ud83e\udea6, which means that when a bank holds your money and shouldn&#8217;t, doesn&#8217;t award a bonus when they should, changes credit card terms in an illegal manner, or <a href=\"https:\/\/www.nzherald.co.nz\/business\/companies\/banking-finance\/nab-accidentally-sent-60000-customers-account-details-to-an-adult-site-owner\/7NFXYF6OY66ULFNYUGILXNWM7M\/\">sends all of your personal details to an adult website owner<\/a>, you don&#8217;t have an easy, central resource for fixing it. You still have tools at your disposal to help though (ordered by of likely ease of use):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your state banking regulator and charter administration<\/li>\n\n\n\n<li>The BBB<\/li>\n\n\n\n<li>Your state banking commission<\/li>\n\n\n\n<li>The <a href=\"https:\/\/fdic.gov\">FDIC<\/a> for banks or the <a href=\"https:\/\/ncua.gov\">NCUA<\/a> for credit unions<\/li>\n\n\n\n<li>State small claims court<\/li>\n\n\n\n<li>The <a href=\"https:\/\/www.occ.gov\">OCC<\/a> (ya down with OCC? yeah you know me!)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.ftc.gov\">FTC<\/a><\/li>\n\n\n\n<li>Arbitration (most banks have these clauses in their paperwork, and they&#8217;re almost always obligated to pay for the arbitration too)<\/li>\n<\/ul>\n\n\n\n<p>Don&#8217;t shy away from the arbitration option when the numbers get into five digits, if the bank obviously behaved incorrectly your odds are probably great.<\/p>\n\n\n\n<p>Happy Wednesday!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"570\" height=\"570\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/02\/image-7.png\" alt=\"\" class=\"wp-image-11282\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/02\/image-7.png 570w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/02\/image-7-300x300.png 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/02\/image-7-150x150.png 150w\" sizes=\"auto, (max-width: 570px) 100vw, 570px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">OCC&#8217;s current official coffee mug.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The CFPB is effectively non-existent \ud83e\udea6, which means that when a bank holds your money and shouldn&#8217;t, doesn&#8217;t award a bonus when they should, changes<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[69,54,56],"tags":[],"class_list":["post-11280","post","type-post","status-publish","format-standard","hentry","category-bank-bonuses","category-credit-cards","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/11280","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=11280"}],"version-history":[{"count":6,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/11280\/revisions"}],"predecessor-version":[{"id":11291,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/11280\/revisions\/11291"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=11280"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=11280"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=11280"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}