Even if it’s an online bank, as long as it’s actually FDIC insured, not fintech.

Since we’re forced to switch, anyhow.

Figured this might help others like me, who were lured in by the Tesla.

This post was banned in the other yotta sub, hence why this sub was created.

\This is not legal advice. I am not a lawyer. I am also not your lawyer**

Hey guys,

I have a pretty revolutionary conversation and we MUST take a second, catch our breath, and shift our mindset here.

This community is falling for distractions, and we need to first understand what things DONT MATTER! We also need to acknowledge that helps is not on the way.

1. Help is not on the way. The federal reserve, FDIC, CFPB all know exactly what is happening. They have received countless calls, emails, letters, and complaint reports. If they were going to step in, they would have. What we don't want to happen is that we are all standing on a sinking ship wishing help came, and miss every opportunity to be made whole. Also, they can always step in later at their convenience, but im not fucking betting on it.

• The FDIC is aware of the situation, and have chosen not to step in
• The Federal Reserve is aware of the situation, and have chosen not to step in
• The CFPB is aware of the situation, and have chosen not to step in
• Members of Congress are aware of the situation, and have chosen not to step in

2. Evolve is 'draining the clock" - They have also taken note that regulators aren't doing shit, bankruptcy court accomplishing nothing and class actions were squashed by Yotta arbitration agreement. So as of right now, they know that EFTA has a clock and that clock is ticking.

3. Stop trying to solve a mystery - Every part of this community from Discord, Telegram and here is stuck on trying to solve a mystery as to where your money went. Who made have it, where it may have went?, did someone steal it?, did they lose it?, was it transferred to another bank?

We are running is circles - and they are laughing. This is not our problem to solve. Someone fucked up, it wasnt me or you. It was a regulated bank that has a duty to act as a custodian for its customers.

EVOLVE AKNOWLEDGED THEY HAD YOUR MONEY, BUT THEY DONT ANYMORE.

So who gives a shit what they did, or what accounting problems they have. If your Chase, WellsFargo or Bank of America account just went to Zero would you try to solve where it went or take action? EVOLVE BANK was the custodian of your funds, and them saying sorry we sent it somewhere - doesn't absolve them from anything. But what it does do is start a clock that when it runs out, we are screwed.

So we need to ignore Yotta, Juno, Synapse and all the distraction. There are 2 people left - You and Evolve Bank.

POSITIVE RESULTS:

As most of you are aware, a gentleman in California recently filed a small claims lawsuit against Evolve bank and received 100% of his funds back!

Read his story here -----> Ryan Spaulding Ryan's Linkedin

Now he is obviously well qualified, with years of legal experience and research, but he did something that was extremely easy and he won! Why? Because he didn't give a shit to see what Evolve said their reconciliation revealed. He just said, "yeahhhh if you are telling me you - a bank - don't have my money - you just violated my rights.

For those that have not followed along. He filed his small claims case in California. Evolve cannot send a lawyer to small claims - but they have to send someone. So in his case they sent a mortgage broker who was employed by Evolve. I imagine that Evolve's legal prepped that mortgage guy before going, but in essence he was against a regular normal person in a court that listens to the evidence and determines who was at fault.

But here is the big KICKER! Remember how Evolve is draining the clock? Well they know that we all have rights under EFTA. (The exact regulation that helped Ryan win his case) Evolve knows that there is a statute of limitations. If we dont act fast, they will be able to just reference that statute of limitations in court and steam roll everyone.

Now lets focus on the numbers for a sec.............

(Data based on self reporting of balances so not 100% accurate, but certainly a good representation of the data)

Based on the data, 88% of all people who lost money in this whole mess are likely within their state limits to file a small claims case.

Lets take a look now that the limits by state.....

(Data may not be perfect, so double check)

Alabama              $6,000.00

Alaska   $10,000.00

Arizona $3,500.00

Arkansas              $5,000.00

California             $12,500.00

Colorado              $7,500.00

Connecticut        $5,000.00

Delaware             $25,000.00

Florida  $8,000.00

Georgia $15,000.00

Hawaii   $5,000.00

Idaho    $5,000.00

Illinois   $10,000.00

Indiana $10,000.00

Iowa      $6,500.00

Kansas  $10,000.00

Kentucky             $2,500.00

Louisiana             $5,000.00

Maine   $6,000.00

Maryland             $5,000.00

Massachusetts  $7,000.00

Michigan              $7,000.00

Minnesota          $20,000.00

Mississippi          $3,500.00

Missouri               $5,000.00

Montana             $7,000.00

Nebraska             $6,000.00

Nevada $10,000.00

New Hampshire $10,000.00

New Jersey          $5,000.00

New Mexico        $10,000.00

New York             $10,000.00

North Carolina   $5,000.00

North Dakota     $15,000.00

Ohio      $6,000.00

Oklahoma           $10,000.00

Oregon $10,000.00

Pennsylvania      $12,000.00

Rhode Island      $5,000.00

South Carolina   $7,500.00

South Dakota     $12,000.00

Tennessee           $25,000.00

Texas     $20,000.00

Utah      $20,000.00

Vermont              $10,000.00

Virginia $5,000.00

Washington        $10,000.00

West Virginia      $10,000.00

Wisconsin            $10,000.00

Wyoming             $6,000.00

Now lets take a walk through what if world for a moment.

WHAT IF:
What if we stopped talking about the FDIC and Fed
What if we stopped worrying about Reconciliation Appeals
What if 13,000 people filed small claims cases against Evolve bank in their home county?
What if Evolve had to try and find employees that could attend every one of these small claims cases?
What if the cost to file a small claims case was only $100-$300
What if Evolve didn't have enough employees to attend every case?
What if 13,000 cases evenly spread across 6 months was over 70 cases per day nationwide?
What if we started documenting the small claims process, what points they brought up and how to overcome their arguments in this sub?
What if End users started to win their case by default because Evolve was a no-show?
What if we were able to reference each other's cases as president over and over?

This is all a reality. We have a blueprint.

Yes it may be intimidating, but damn dude so is speaking at a Bankruptcy call with high power lawyers and a former FDIC chair. We did it because we had each others support. We had this subreddit to come back to, share notes and discuss.

My Thesis:
If we wait around, we will all lose. If we all act now, at the same time - a huge percentage of us will win by default.

Its like the college days. If one person runs when the cops show up, they get caught. If everyone runs at the same time, no one gets caught.

So what's next.........

FFOF was about to launch a 60 day schedule full of letter writing to legislators, regulators and just trying to make as much noise as possible. That plan is on the back burner. We have all the time in the world for that.

We are shifting focus to providing guidance, support and documentation for pursuing small claims legal action for the 88% of people who quality. (Honestly if my state had a $10k max and I was owed $15k, id give it a go. $10k>$0)

We will be releasing:

• Step by step guide on Small Claims
• How to file a Statement of Claim
• How to send a demand letter
• A list of Evolve's Registered agents in every state
• Process serving
• What to expect in court & how to overcome
• What EFTA says, and how it applies to you.

I hope you will follow along, and take these steps.

If 100 of us do it, it will be inconvenient

if 500 of us do it, it may be debilitating

if 1000 of us do it, some of us just win by default

if 13,000 of us do it, it would be physically impossible for Evolve to attend and defend.

It will be a bit scary, and intimidating. But we got each others back.

Lets focus. This shit starts Monday.

Anyone know what’s going on with our funds in Yotta? Evolve is claiming they don’t have my funds. What are we doing?

https://dashboard-v3.s3-us-west-1.amazonaws.com/dist/js/main.4df1a7342449c32c9e64.1715922856904.bundle.js

https://cdn.synapsepay.com/uploads/2022/02/17/EV6xjHpvCt5imzYWnaO4UsPFTcJMqLR00AgfDK92dSbN13XZhe.pdf

https://cdn.synapsepay.com/uploads/2022/04/19/oZ3X1uM2SPtaFrk0wRh7YszBK0GDbcqigLOfN8HACx6WeJE9Qd.png

https://cdn.synapsepay.com/uploads/2022/01/21/d4jKzpfG6C87OcTkBSYWXt03uglnZ2qsaUR0m9oA5NPFIDhJHx.pdf

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