Hammer Hand’s MGTOW Movie

For those of you who don’t know, MGTOW stands for “Men Going Their Own Way”.  For at least the past five years in western countries such as Great Britain, Canada, Australia, and the United States, many adult men have come to believe that there is no way that they can have a relationship with women without having disastrous consequences.

Adult men through their own experiences, and witnessing the experiences of other men, have come to realize that currently these are some of the likely outcomes from being involved with women, working with women, or even just crossing paths with women:  Allegations of sexual harassment; allegations of sexual assault; losing one’s job or career over false accusations; divorce causing the loss of their home and children; child support and alimony payments beyond what they are able to pay.

Many men have decided that it is just not worth it to pursue any type of relationship with women, and that it can be detrimental to their well being to work with, or even be around women.  Once making this decision to avoid women, many men have found that they have more peace, happiness, success, and financial freedom beyond what they had ever experienced before.  Hence, MGTOW.

My estimation is that approximately 20%-25% of men over the age of 25 in the U.S. have made up their mind to try to have as little to do with women as possible, because it is too costly in time, energy, money, distractions, and frustration.  On a daily basis, as a philosophy, lifestyle, support group, or a kind of religion, these men have discussions on internet forums such as YouTube.

Some of the MGTOW YouTubers that I follow daily are Hammer Hand, RPM, and Coach Greg Adams.  Though each of these three YouTubers are my age, approximately 50, Hammer Hand is White, whereas RPM and Coach Greg Adams are Black.  Both Hammer Hand and RPM are truck drivers.

Hammer Hand, RPM, and Coach Greg Adams, all grew up believing that they would marry, have a wife, children, home, and career, just like I believed.  However, they, and I, never could have imagined how bad things would turn out, society in the U.S. has fallen apart.  This is what MGTOW followers discuss every day, what is wrong, what went wrong, how did this happen, why did this happen, who caused this, and how to fix this.

Finally, about one year ago, Hammer Hand decided to make a movie, in order to clearly explain what went wrong, what is wrong, how did this happen, why did this happen, and who is responsible.  Here is his movie which was released yesterday:

This movie is pretty thorough and detailed in its explanation of MGTOW, which I can understand because I have frequently been considering these specific ideas for more than a year.  But for a newcomer, I think that the first part of this movie would be confusing.  Soon after the movie starts, there is good amount of commentary and video showing a riot or street brawl in a Black community.  What does Black people rioting in the street have to do with MGTOW many people might wonder?

What I have not mentioned or pointed out yet, is that Black families, Black communities, and Black society has been more thoroughly and completely destroyed than White families and White communities.  This may have been why Hammer Hand started his movie with commentary and video of a Black community in chaos.

It may have been easier to immediately show and address some of the causes for the break down in this community such as:  Feminism’s support of unwed mothers;  Feminism’s support of sexual freedom and promiscuity;  Government welfare taking the place of Black men as provider;  Jews controlling the media and entertainment to promote destructive behavior such as drug use, promiscuity, infidelity, and violence;  Communist agenda to destroy the traditional family unit, traditional religion, and bring about people relying on the government for everything.

For now, I am not going to interject any more of my own explanation of MGTOW and Hammer Hand’s MGTOW movie, so that people can just watch this movie for themselves.

I Talked To The Police Officer Who Stopped Me Last Night In Dickinson, North Dakota

On Monday night, September 30, at 11:00 p.m., I was stopped by a Police Officer in Dickinson, North Dakota for failure to come to a complete stop at a stop sign.  I had waited until late at night to drive to WalMart for groceries, because I didn’t want to go to the store when it was busy and crowded.  I was not in a hurry at all, I was driving less than the speed limit, and the last thing I was expecting was to be stopped by the Police.

When the Police Officer asked me for my driver’s license, registration, and proof of insurance, I told the Police Officer that I would have to look on my phone for a copy of my proof of insurance.  At the moment, I could not remember whether I had taken a photograph of the insurance card off of my computer screen, or if I had had this insurance card e-mailed to me.

I bought this vehicle that I was driving, six weeks ago.  Initially, what I had placed in the glove box as proof of insurance, was the price quotation that State Farm Insurance had faxed to me, the form that I had to sign and fax back to State Farm Insurance, and I had a photo on my phone of the check payment written out to State Farm Insurance with the dollar amount matching the price quote for this vehicle, the date, and in the memo section the make, model, and year of this vehicle.

The Police Officer was not believing me that I had insurance on this vehicle, even after I showed him the paperwork that I had in the glove box, and the photo of the check payment for insurance on this vehicle.  I had other proof of insurance cards on my phone for other vehicles of mine, but not this one.  I tried to go to and log onto my e-mail, but I couldn’t get the log in page to come up on my phone like it does on my computer.

The Police Officer mentioned to me that failure to have insurance or proof of insurance was a $140 fine, which was not that big a deal to me.  As he was writing my ticket, I was able to get to my e-mail on my phone, go back to August, and luckily I found the proof of insurance card for this vehicle.  I handed my phone to the Police Officer, and he looked at my proof of insurance card for this vehicle.

The Police Officer gave me a ticket for failure to stop at a stop sign, which he explained was $40 and three points on my driver’s license.  I explained to the Police Officer, that I know that the Police in Dickinson are trying to stop as many people as possible in order to try to discover drug crime, but for people like me who are not criminals, this is a problem because I have been stopped three time by Law Enforcement in the past sixty days.

When I got home and I began looking on the internet to try to see how many points would go on my Idaho driver’s license, when these points would appear on my driver’s license, what online driver course I could take to get these points removed, and when I would need to take this online driver course, I found out that I nearly got nine points on my driver’s license for this traffic stop, and that the next time that I got stopped within the next twelve months, my driver’s license would automatically be suspended.

What I did not know or understand at first, was that there is no ticket for failure to have proof of insurance, there is only a ticket for failure to have insurance.  If I would have paid the $140 ticket for what I thought was failure to have proof of insurance, I would have actually been admitting to not having liability insurance, which in North Dakota on the first offense carries a penalty of six points on your driver’s license, and for the second offense twelve points on your driver’s license.

I had no idea that on the way home from WalMart at 11 p.m., not coming to a complete stop at a stop sign, would result in me losing my driver’s license.  But it’s worse than that, I didn’t understand what was going on, I didn’t understand how important it was to show more proof of insurance than what I had with me at the time, I didn’t know that paying the ticket for $140 would have been automatically admitting that I didn’t have liability insurance, which I did have liability insurance, I didn’t know that I would have had nine points on my license immediately, I would not have known that the next time I got stopped within the next twelve months that my driver’s license would automatically be suspended, … and I would have been driving around with a suspended driver’s license and not had any idea.

On Tuesday, I called a couple of DMV and IDT offices in Idaho to try to get some answers on how to handle the traffic ticket that I got on Monday night, to ask if and when the points would go on my Idaho driver’s license, and when and how many times could I take the online driver safety course to get the points removed from my driver’s license.

On Tuesday I called a couple of DMV and NDOT offices in North Dakota to ask questions, though the people in Bismarck were nice, they didn’t have all the answers.  I called the Dickinson Police Department to try to ask to speak to a Police Officer that I already knew like Shift Sergeant Moser, Officer Kinto, or Officer Bates, but was told no.  It was suggested to me that I speak to either the Police Officer who gave me the ticket, or his Shift Sergeant Jason Wallace this evening.

To clarify for those people reading this blog post who don’t understand why this is such a big deal to me:  My home is in Idaho 750 miles away, I am just here in Dickinson, North Dakota to work.  My work location is more than sixty miles from Dickinson, out in the middle of nowhere.  If I lose my driver’s license, I will lose my job.  I have trucks, trailers, and equipment that I have brought to Dickinson to do self-employed work, but without a driver’s license, I couldn’t do my self-employed work either.

If I lose my driver’s license, then my job, I don’t have anyone here to help me.  I don’t have any good friends here, any family members here, any church relationship here, any attorney or accountant business relationships here.  Without a driver’s license, without a job, without any income, that is when I would probably want to hire an attorney to try to help me get something like a temporary restricted license to drive to work, but the attorney would want thousands of dollars, and the Dickinson Police would just cause me to lose my restricted license as soon as possible.

I would not have had any idea that I was getting a total of nine points on my driver’s license by paying the $40 ticket and the $140 ticket from this traffic stop.  I would not have gotten any notification about the nine points on my driver’s license, because I have an Idaho driver’s license.  Any mail from the state of Idaho would be sent to my home or my P.O. box in Idaho.

I have to keep my Idaho driver’s license and do other things like pay state income tax to Idaho, as well as North Dakota, to legally claim Idaho residency.  My home in Idaho is protected from any kind of lawsuit judgement if it is my primary residence, my homestead, but not if it is classified as a second home or investment property.

Getting back to the point, I keep getting stopped so frequently by Law Enforcement in Dickinson, because they are trying to stop drug crime, that I am in danger of having my driver’s license suspended, being arrested for unwittingly driving on a suspended license, losing my job, having no way to earn a living, losing my apartment, and not even being able to drive my equipment and vehicles back to my home in Idaho.

I spent some time looking up on the internet the Police Officer who stopped me and gave me the ticket on Monday night.  He graduated from Dickinson State University about one year ago, he became a Police Officer about six months ago, and he is about 25 years old.

I called the Dickinson Police Department late Tuesday night when this Police Officer was back on duty, and I said that I wanted to ask him some questions about the ticket he gave me, and that I would like to meet him somewhere if possible.  The Dickinson Police Department got a hold of him, and he called me back.

I asked him if I had not found the State Farm Insurance card on my phone, would he have written me a ticket for failure to have liability insurance, he said yes.  I asked him if he would have told me that this ticket for not having insurance carries a six point penalty on your driver’s license, he said yes.  I explained to him, that I had no idea that paying the $140 ticket for failure to have liability insurance means that you agree that you have no liability insurance, I did have liability insurance.

I tried to explain to him again, better than I explained it to him on Monday night, that I understand that the Police are trying to detect crime, but the way that the Police are scrutinizing my driving, and the frequency at which the Police are stopping me, that I am going to lose my driver’s license.  I don’t think that I can drive perfectly all the time.  I am not a criminal, but the Police are turning me into a criminal, to where I am going to end up driving on a suspended license.

I briefly explained that the way that the Police are stopping me so often, that I am going to lose my driver’s license, then lose my job, then lose my home.

This Police Officer explained to me that he was just doing his job.  That he has to enforce traffic laws for public safety, people can’t speed and run stop signs just because they want to.  I explained to him that I don’t speed, that I drive slow, I am always being tailgated, and that I have to pull over to let people pass me all the time.  I didn’t run the stop sign, I just didn’t come to a complete stop.

After I got off the phone with this Police Officer, I had the impression that he believed that he was just doing his job, though I don’t think that he understands the impact of what he is doing.

People are supposed to have the right to travel freely in the U.S.  The whole point of the first communities in the U.S. creating government and Police Officers was to maintain peace and order, not for the Police to hide and sneak up on citizens to try to get them for something like the citizens are prey, enemies, or criminals.

If there is supposed to be a curfew at night in Dickinson, which I agree with, then this law should be voted on by citizens and then published as law.  In effect, what the Police in Dickinson are doing, is they have created a curfew law all on their own.  I see very few people driving at night in Dickinson, and I think that it is because they are scared of getting stopped by the Police and cited for something.

It has been pointed out to me by other people, which I realized was the truth, new, clean, expensive vehicles in Dickinson do not get stopped by the Police.  I just about never have seen a new, clean, expensive vehicle stopped by the Police in Dickinson, its always older less expensive vehicles that get stopped by the Police.

Getting Stopped By The Police Again In The Dickinson Prison Work Camp

This past year, I realized that what Dickinson, North Dakota is really like, it is like a Prison Work Camp.

For more than a year, I have been writing again and again, over and over, that I can’t even drive to work, or drive to the grocery store without the Police following me, stalking me, and trying to pull me over for something.

Back on March 8, 2018 I wrote a blog post article titled, “Getting Stopped By The Police In Dickinson, North Dakota”.  Here are some quotes from what I wrote back in March of 2018:

“I have written again, and again, and again, and again about not being able to go out at night in Dickinson, North Dakota because the Police are so eager and aggressive in stopping people for DUI, or trying to discover illegal activity.”

“At about 5:00 p.m., I drove from the restaurant to visit my friend at his home, who is old and in bad health.  At about 6:30 p.m., I drove to Dairy Queen and got an ice cream cone.  I was driving home from Dairy Queen on Villard Street, when a Dickinson Police car made a U-turn, came after me, followed me, and stopped me.  This turned an ordinary evening and outing, into an unwanted stressful situation.”

“I am so sick of this in Dickinson, being followed by the Police, so that they can think of a reason to pull you over, to try to give you a DUI, or find something else to charge you with.”

Tonight, September 30, I waited until 10:15 p.m. to go to WalMart so that the store would not be crowded.  I bought about $30 worth of groceries at WalMart, and then I drove home.  I drove at about 30 mph to the store, and at about 30 mph home from the store, I was not in a hurry at all.  When I got to the four-way stop at the intersection of 10th Avenue East and  21st Street East, I thought that I came to a complete stop, and then I made a right turn.

A Police Officer made a U-turn, came after me, followed me while he ran my license plate, then he pulled me over for failure to come to a complete stop at the stop sign.  I almost got a $140 ticket for failure to have proof of insurance, because I had the insurance card on my phone, but I wasn’t able to find the insurance card until the last minute.  I did get a ticket for failure to stop at the stop sign, $40 and three points against my license.

Six weeks ago I wrote about getting stopped by the Police in Dickinson, North Dakota, in a blog post article titled “Dickinson, North Dakota Is A Prison Work Camp”.  Here are a few quotes from what I wrote six weeks ago:

“In the past two years of living in North Dakota, I have been stopped by Law Enforcement more times than in my previous thirty-two years of driving.”

“I dread going anywhere in North Dakota, especially just going to the grocery store, going to work, or coming home from work.  In the past thirty days, while I was driving at the speed limit, not doing anything wrong, Law Enforcement that was travelling in the opposite direction, has made a U-turn after passing me, in order to come after me.”

“What Law Enforcement is trying to do, is stop me, ask me questions, and look in my vehicle in order to get me for something.”

I have been stopped three times by Law Enforcement in North Dakota in the past sixty days.  None of it was for speeding, because I drive slow, I am trying to be careful, and I am trying not to be stopped.  But I am learning that there seems to always be something that the Police can get you for, even if you are trying not to be pulled over.

In sixteen years of driving in Florida, from when I was sixteen years old to when I was 32 years old, I was stopped a total of three times by the Police, each time for speeding.  In ten years of driving in Colorado, Arizona, Utah, and Idaho, I was stopped twice by the Police, once for speeding, once for a headlight out.  This is not normal to be stopped by Law Enforcement three times in sixty days, but this is North Dakota, and I am warning people not to move here.

What Dr. Thomas Mitzel Started But Wasn’t Allowed To Finish, DSU Becoming A Polytechnic Campus

In my previous blog post, I wrote about Dr. Thomas Mitzel giving his resignation as President of Dickinson State University, and leaving to become President of Kentucky Wesleyan College.

I knew that Dr. Thomas Mitzel would probably leave DSU sooner or later, because the town of Dickinson and North Dakota are difficult for normal people to live in, especially educated people.  It is very cold in North Dakota, and this area of western North Dakota is mostly barren, undeveloped grassland prairie.  The desolate landscape, very cold weather, and attitudes of the people here have helped to keep the entire population of the state of North Dakota below 800,000 people.

Regardless of whether North Dakota is inviting or not, there are several oil and natural gas formations about 6,000 feet underground, that caused an oil boom in the 1950s, late 1970s, and 2007 through 2014.  A couple hundred thousand people came to North Dakota to work in the 2007-2014 oil boom, at jobs that paid higher than average.

All across the U.S., there was the widespread complaint that college graduates with large student loan debt were unable to find employment in their field of study, good paying employment, or even any employment at all.  At this same time, many traditional Liberal Arts colleges were closing due to not being profitable.

Higher education in the U.S. is changing due to several factors.  More colleges and universities are offering online college course work because it is less expensive for many people because they don’t have to relocate to a college town, commute to a college town, or give up their normal 9 a.m. to 5 p.m. job to attend classes.

Another factor that is changing higher education is that employers simply want people who are ready and capable to go to work for them.  Traditional four-year college Liberal Arts degrees in majors like English, History, Religion, Philosophy, Art, Political Science and Communications aren’t exactly what many employers are looking for, especially in industries like health care, manufacturing, oil and gas.

Dr. Thomas Mitzel was aware that many traditional Liberal Arts colleges were closing, online college course work was competing with traditional college classrooms, many college graduates with Liberal Arts degrees were unable to find employment, and that industries with high paying jobs like health care, manufacturing, oil and gas wanted applicants with technical training.

In order to save DSU, or perhaps to even cause DSU to grow and thrive, DSU could continue offering four-year Liberal Arts degrees, but at the same time begin offering technical training that was specifically what industries and employers wanted.  Dr. Mitzel had a meeting in Bowman, North Dakota where he explained what he had in mind.  Here are some quotations as reported by the Bowman County Pioneer newspaper in their article https://bowmanextra.com/2018/09/21/dsu-looking-to-become-polytechnic/

“We will always remain a Liberal Arts institution,” Mitzel said. “But becoming a Polytechnic dual mission would allow us also to be able to offer certificates and practical courses.”

Mitzel has had three meetings with a manufacturer strategic group — the last one lasting for five hours….where it was discussed, “What are some of the needs that they have? We really sat down and went over every industry that was there,” Mitzel said. “What was their workforce needs? And we tried to find common ground. We found about eight areas of common ground in education that they need, going over everything from a certificate to a two-year degree.”

Mitzel said the programs are going to be career focused based on what industries want. DSU will be emphasizing real-world applications. Mitzel’s goal is to see 100 percent of the students complete an internship before they graduated.  Mitzel said it doesn’t just help the student prepare to enter the workforce, but it also helps potential employers find suitable employees.

This Bowman County Pioneer newspaper article concluded with some statements about Dr. Mitzel’s continuing discussions with faculty and administrators on the DSU campus, and his expectation of making proposals to the North Dakota board of education in the Spring of 2019.

After this newspaper article was published in September of 2018 announcing that DSU could become a polytechnic campus, I didn’t hear very much more about it.  I thought that this was an incredibly good idea, that would solve a whole bunch of problems at the same time:  increase enrollment at DSU; give DSU a unique mission and roll in North Dakota; attract college applicants from all over the U.S. with its technical training; enable oil field workers to obtain higher level technical jobs; allow local recent high school graduates to obtain training for technical jobs in the oil field; allow local oil companies to participate in the education curriculum; and for DSU to receive additional funding from the oil and gas industry.

When I didn’t see announcements about DSU beginning to offer technical training in oil field technology such as instrumentation, automation, controls, and safety, I believed that the State of North Dakota had squashed Mitzel’s plans.

Just like the Governor of North Dakota helped to steer the Theodore Roosevelt Presidential Library and Museum away from the DSU campus and Dickinson, I believe that other people in North Dakota government did not want Dickinson State University to grow and prosper by becoming successful as a polytechnic school.

My belief is, that the State of North Dakota does not want Dickinson to grow, or DSU to grow, because it does not want state money to go to this area.  I partly understand this, because the people in Dickinson really do act bad in all kinds of ways, very primitive at times.

DSU President Thomas Mitzel Leaving Dickinson, North Dakota

Today I read in the Dickinson Press Newspaper that DSU President Thomas Mitzel is leaving Dickinson to go become President of Kentucky Wesleyan College.

When I saw Dr. Thomas Mitzel’s photo above the newspaper headline, I didn’t even need to read the headline, I knew that his resignation was probably coming.  All kinds of people are abandoning ship in Dickinson, and I don’t blame them.

Dr. Mitzel served as one of the wardens of this Dickinson Prison Work Camp hell for the past four years, and now he is free.  Probably no one is more happy about leaving Dickinson than his wife Rhonda.  At this point, Rhonda’s only shopping options for clothes in Dickinson are WalMart, Tractor Supply, and Runnings Farm & Fleet, because that’s all there is.

Dr. Mitzel came to DSU at a time when it was just beginning to recover from at least four major scandals that weren’t his fault:  DSU was caught awarding degrees to hundreds of foreign students who had not completed their coursework;  DSU Foundation was dissolved by the State Attorney General for financial misdeeds;  DSU Foundation had failed to pay for the construction of Hawks Point on the DSU campus; DSU had failed to pay for the construction of the Biesiot Activities Center.

Dr. Mitzel had begun making very good progress towards improving the status, reputation, and enrollment at DSU.  He was part of the creation of a foundation that was organized to build a Theodore Roosevelt Presidential Library and Museum on the DSU campus.  Dr. Mitzel was also in favor of creating an Associates Degree program in Industrial Technology at DSU that would have educated people in a multi-state area for employment in the oil, natural gas, and other industries.  https://bowmanextra.com/2018/09/21/dsu-looking-to-become-polytechnic/

However, when the Governor of North Dakota stepped in to relocate the Theodore Roosevelt Presidential Library and Museum away from Dickinson, because Dickinson is so primitive, backwards, and dangerous, and there was no state level support forthcoming for the creation of an Associates Degree program in Industrial Technology, the rug was yanked out from under Dr. Mitzel’s feet as far as improving DSU.

When the dead bodies started showing up on the DSU campus and elsewhere Dickinson, it was time for Dr. Mitzel and his wife Rhonda to get out of town, while they still could.

Where Dr. Mitzel and his wife Rhonda are going, Owensboro, Kentucky, the town has a population of 60,000, and the Ownensboro metropolitan area has a population of 120,000.  I looked it up, there are forty clothing stores for Mrs. Mitzel to shop at in Owensboro  https://www.yellowpages.com/owensboro-ky/clothing-stores

The school that Dr. Mitzel will be President of, Kentucky Wesleyan College, it was founded by the Methodist Church in 1858.  Probably the most important thing in this blog post, is to explain what “Wesleyan” means:

For approximately fourteen centuries, the primary representation of the Christian religion was the Catholic Church.  However in the 1500s, a Catholic priest named “Martin Luther” began to reject some of the teachings and practices of the Catholic Church as corrupt.  In short, Martin Luther began to believe that people could attain salvation through faith and reading the Bible for themselves, not through the Pope or doing what the Catholic Church said.  This led to the Protestant Reformation, and the creation of the Protestant religions, such as the “Lutherans”.

Similarly, in the 1700s, a Protestant priest named “John Wesley”, started a religious revival movement called Methodism.  This led to the creation of the Methodist Church.  Since the Methodist Church founded the college in Kentucky, it is called Kentucky “Wesleyan” College.

As a college founded by the Methodist Church, the college publicly states in all of its literature that, “We believe in ‘The Wesleyan Way’ of learning and living. The Wesleyan Way is based on four principles we incorporate into every single thing that we do:

  1. We do everything with HONOR.
  2. We SUPPORT EACH OTHER.
  3. We COMPETE WITH INTEGRITY.
  4. We LOVE EACH OTHER.”

For several years in writing this blog, I have tried to explain again and again how different the Catholics in Dickinson are compared to the Methodists in the South.  In Dickinson, the Catholic Church teaches the importance of the Pope, going to Mass, and that fellow Catholics from this area are more important than other people from other areas, to the extent that people in Dickinson think that it is O.K. to take advantage of other people, to be hostile, mean, uncooperative, unhelpful, and unfriendly to others.

In contrast, the Protestant religions in the South teach that everyone is supposed to be helpful and kind to one another, not just in church, but especially in everyday life.

I know that Dr. Mitzel and his wife Rhonda will be going to a much warmer, friendlier, happier, enjoyable life in Kentucky, which they deserve after spending four years in the Dickinson Prison Work Camp.

Why Companies Have Become Corrupt And Unethical

In my previous blog post, I wrote about going to a branch of Dakota Community Bank in Dickinson where I have a checking account, and asking a banker if someone stole a check out of my checkbook, forged my signature, and wrote out a check payable to themselves or someone else, would the Bank reimburse me when I discovered the money was missing from my account.  The banker replied, “No”.

I thought that I knew the law, but I wanted to see what banks in Dickinson thought the law was, and how they would handle fraudulent transactions on my account.  Though I was shocked at the banker’s response, I was afraid that that is what it would be.  I needed to know this, because now I know what to expect from this Bank if something goes wrong, denial of liability, and a fight with the Bank.

It turns out that banks are governed and regulated by a branch of the U.S. Department of the Treasury called “The Office of the Comptroller of the Currency” or the OCC for short.  The OCC says that banks are liable for reimbursement of forged checks, however there are a couple of pleas that banks use to try to get out of this liability.

In this blog post, I want to tell a story that was probably my first introduction to the institutional practice of large companies denying legal liability, in situations where they absolutely have legal liability, and their reasons for this tactic.

Almost twenty years ago, I was working for an elderly man who had at one time been the vice president of one of the largest commercial insurers in the U.S., I believe that he said it was USF&G.  One day, he wanted to tell me this story:

His company, USF&G, had a client whose parked vehicle was struck by a person driving another vehicle.  The parked vehicle was completely destroyed in the accident.  The driver of the other vehicle was insured, but his insurance company delayed and delayed paying for the damage.

At the vice president level, he did not normally handle the day-to-day business of individual accidents and insurance claims, but this particular case had risen through the different management levels at USF&G, because the other insurance company was delaying, refusing to pay for the damage to the USF&G client’s vehicle.

He got on the telephone with someone at or nearly at the level of vice president at the other insurance company and he said, “Look, you have no legal basis for not paying this claim, why won’t you pay this claim?”  The person at the other insurance company, with pride and satisfaction gave the following reply:

“We have found, that when there is an individual who is elderly in age, like your client, when there is an accident and they are owed money, if we delay and wait in paying the claim, often times they will die due to old age.”

The former vice president of USF&G said that the following day, a memorandum was issued to all departments at USF&G, stating that if anyone was ever caught trying to not pay a claim because the claimant was elderly in age, they would be out of a job.

Since hearing this story, I have read several newspaper stories over the years, where large banks and utility companies deny legal liability, because they have so many employees, so many millions in assets, and full time legal staff, that they feel that they don’t have to follow the law or treat customers in compliance with the law.

I have written before about newspaper stories where utility company customers enrolled in automatic bill pay have had all of the money taken out of their checking account for erroneous $10,000 water bills or electric bills.  The frantic customer contacts the utility company about the charges being a mistake, and explains that their normal water bill or electric bill is only $100 each month, how could they possibly have a $10,000 bill for the month?

In these cases, the utility company often sends the following response:  “Dear Customer, we have received your letter contesting the charges to your account.  We have conducted an internal investigation, and we can not find any error on our part.  The charges are correct, and are currently due.  Please let us know if we can be of further assistance.”

I have also written about newspaper stories where all of a bank customer’s money has been removed from their checking account through an erroneous debit card transaction, often for fuel at a gas station.  A debit for $8,000 worth of gasoline will appear on a customer’s account for one fuel stop at a gas station.  The customer will call the bank and explain that the charges are false, their vehicle fuel tank only holds $60 worth of gas.

In some cases, the gas station will side with the customer, saying that there is no way that this customer received $8,000 worth of gas, and the bank’s response is, “The charges have been approved, and they have gone through.  There is nothing that we can do at this time.”

Recently, a friend of mine who just turned sixty, he has been complaining to me about the tactics that he feels Sanford Health Care is using to deny him surgery.  About a year ago, he enrolled in Sanford Health Care medical insurance.  As part of this insurance plan, you are required to receive treatment at Sanford Health Care.

There are two different surgeries that he needs, he is almost always in pain due to his medical condition.  Though the medical doctors that have evaluated him, acknowledge that he has these specific medical problems that require surgery, he has been delayed and denied surgery.

When answering questions that the medical doctors have asked him, he did not know that they were seeking reasons to delay and deny him surgery.  In particular, they asked him, “How many days of work have you missed due to this medical condition?”  And he replied, “None”.

The reason why my friend replied none, is because he can’t miss work, he is not allowed to miss work.  I know the situation that my friend is in, and I know for a fact, without any doubt, that if he tried to not show up for work more than twice, that he would be out of a job.  The medical doctors took his response that he has missed no work, to mean that his condition does not require surgery at this time, when that is not the case at all, he is not allowed to miss work, and he is in pain all the time.

The other thing that my friend thinks that Sanford Health Care is doing to him, is delaying surgery in the hope and expectation that he will just die.

In the examples that I have just given about the banks, insurance companies, and utility companies, they have so many employees, so many millions of dollars in assets, and full time legal staff, that they are insulated and protected from caring, from guilt, from remorse, from responsibility, from personal legal liability and recourse.

The employees of these companies all go home at night and eat dinner, watch TV, and go to sleep without guilt, shame, or remorse, feeling no responsibility for taking all of someone else’s money, refusing to pay people money that they are owed, or denying people medical care that they need.  In fact, many of these employees are celebratory and proud of themselves for the money that they have saved their companies from paying, though legally they should have paid.

Getting The White Trash Treatment Again At Dakota Community Bank

To begin with, I want to say that all of the Bank Tellers at every Dakota Community Bank branch that I have been to, have always been very professional, competent, friendly, quick, and helpful.

Also, the several times that I have met and spoken to the Branch Manager at Dakota Community Bank, they have been professional, cordial, knowledgeable, and honest with me.

However, I don’t like it when I am given the “White Trash” treatment, being treated like I am a dumb, ignorant, uneducated, poor, know-nothing, which has happened to me twice at Dakota Community Bank.

The first time that this happened, was when I was opening a checking account with Dakota Community Bank a couple of years ago.  I was told that the Bank had to perform a credit check on me before I could open an account with them.  I was about 48 years old at the time, I currently had four different checking and savings accounts with three other banks, and I had never, ever, been told that I needed to have my credit checked in order to open an account at a bank.

At this time, when I was reading and selecting the options for this checking account with Dakota Community Bank, I asked, “This debit card, is this an additional service, or does this come with this checking account?”  The Bank employee said, “If you are denied for your checking account, you will be denied for the debit card too?”  That was not what I was asking, every other bank account that I had automatically provided an ATM/debit card with the account, I was trying to ask if this was a separate service, because this appeared to be called out separately.  I was insulted and angry about this talk of me being denied a checking account.

Today, I went into a Dakota Community Bank branch, to ask some questions about getting a safety deposit box.  I wanted to ask about box size, and fees, but I had other questions too.  I said to the Bank Teller that I wanted speak to someone in an office, I didn’t want to ask my questions out in the lobby where everyone could hear me.

In hindsight, I think that the person who I ended up speaking with, was probably the same woman that I was unhappy with two years ago when I opened my checking account, when I first received the “White Trash” treatment.

I explained that I had some questions.  Because I live by myself, I had gotten into the habit of leaving car titles laying out in my apartment, and leaving my checkbooks out in my apartment, not locked up.  Even though I had something that was large and heavy that I use as a safe, two people could probably carry it off, so even if I locked up my extra car keys, car titles, extra checkbooks, and cash, it could just be carried off when I wasn’t home.

I then asked a question about something that had been bothering me for a while.  I was afraid that banks would probably be dodgy and evasive in answering this question, and how they would handle the situation that I was going to ask about.  I asked, “If someone was in my apartment while I was at work, and they removed a check from the back of my checkbook where I would not notice, forged my name, and wrote out a check payable to themselves or someone else, would your Bank reimburse me for this loss when I discovered it?”  Her reply was “No”.

I was in disbelief, though I had feared that I would be given an answer like this from a bank.  When I took a Business Law class in high school, I am pretty sure that this is where I learned that banks are liable for forged checks.  I was also pretty sure that I had at one point looked up this law.

My belief and understanding was, that part of the banking industry practice, was to authenticate an account holder’s signature on checks, and that if a fraud was committed, the bank would assume liability, reimburse the erroneously paid funds to the account holder, and that the bank would pursue legal action against the person who perpetrated the fraud.  The bank is insured for this type of fraud, it is part of the cost of doing business, it has staff and expertise in discovering and pursuing this type of fraud.

I tried to explain that I had had the belief that banks were liable for forged checks, and that this was part of the FDIC insurance program that banks were enrolled in.  She replied, no, FDIC insurance only covers account holders when banks become insolvent.

This is what I was worried about, that banks and bank employees would try to deny that the bank was liable for forged checks, even though the law says otherwise.  Though I expected that this could happen, I didn’t know if it would be from ignorance of the law, or a deliberate attempt to deny liability, refuse to pay, stonewall the customer, wear him down, and make him give up.

I had for many, many years, left my checkbooks in my briefcase inside my vehicle when I went to work, went out to eat, and often overnight when my vehicle was parked out on the street.  I was confident that I would be reimbursed for stolen and forged checks.  However, I have seen so many wrong things going on in Dickinson and North Dakota, that I was suspicious about how banks and bank employees in Dickinson would handle stolen and forged checks.

Stop and think about this, if anyone at any time could get a blank check out of the middle of your checkbook, write a check and forge your name, and take all the money out of your checking or savings account, and the bank would not reimburse you for this theft when you discovered it, why would you even keep money in a checking or savings account?  Do you think that you as an individual would have any chance recovering the stolen money from the forger after it was spent?  This is what banks have a fraud department and insurance for.

When I got home, I looked up on the internet, “are banks liable for forged checks”, and eight out of the eight sites that I have looked at so far, say that yes, banks are liable for reimbursing account holders for forged checks.  Here are some sites that you can go look at and see for yourself:

https://pocketsense.com/liable-forged-checks-11972.html

https://budgeting.thenest.com/liable-forged-checks-24116.html

https://www.sapling.com/6190100/liable-forged-checks

https://business.laws.com/negotiable-instruments/banks-and-customers/forged-signature-on-checks

If you looked at and read any of the above links which are supposed to answer the question about banks being liable for forged checks, you would see that although banks are liable for reimbursing account holders for forged checks, banks can try the legal plea that they were “acting in good faith” and “used diligence” in order to try to get out of repaying account holders.

So what is the truth?  The truth is, that all national banks in the U.S. are governed and regulated by a branch of the U.S. Department of the Treasury called “The Office of the Comptroller of the Currency”:

“The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.”

“To ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.”

To find the absolute definitive answer to my question, the OCC answered this question on this link: https://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/faq-banking-fraud-02.html :

Financial institutions are generally required to reimburse customers for forged checks. However, based on individual circumstances, the bank can investigate to determine if the customer is entitled to a reimbursement.

Whether the bank is liable for the customer’s loss depends on the specific circumstances of the case. Generally, a bank is liable for accepting a check that has been forged, altered, or improperly endorsed. However, if the bank can prove two things—that it accepted the check in good faith and exercised ordinary care and diligence in handling the transaction—it may not be liable.

If your actions—the way the check or checkbook was handled, issued, completed, or made payable—contributed to the making of the forgery, you may be at least partially liable. Generally, the bank will require you to complete an affidavit. It may also request that you file a police report.”

Further, if you have any problems with a bank failing to reimburse you for a forged check, no matter what the bank claims, the OCC wants you to contact them at Phone: (800) 613-6743.  I called this number and I spoke to an agent, even though I told the agent that I did not want to file a complaint against Dakota Community Bank at this time,  I just wanted to get some information, they still insisted that I give them all of my personal information and the bank name and location for their records.

Again, why is Dakota Community Bank treating me like stupid, ignorant, uneducated, poor, know-nothing White Trash, telling me that banks aren’t liable for forged checks?  This lets me know, that Dakota Community Bank is probably going to do everything it can to not reimburse customers for fraudulent transactions, regardless of what the law says.  You will probably have a fight on your hands with the Bank if anything goes wrong.

Unfortunately, what is happening with large companies now, whether they are insurance companies, utility companies, credit card companies, or banks, they will take all the money out of your account, allow all of the money to be taken out of your account, or fail to pay money that they owe you, and just laugh at you, because they are a large corporation with millions of dollars in assets and full-time attorneys on staff, and you are just an ordinary person, what can you do to them?  An individual could spend all of their time and money going through the legal system against a large company and not get anywhere.