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Customer ServiceIamA Former Wells Fargo Banker! AMA!

Sep 22nd 2016 by Fwellsfargo • 36 Questions • 3810 Points

My name is NINJA from the South African rap group DIE ANTWOORD. We just released our new album called MOUNT NINJI + DA NICE TIME KID which was produced by God and The Black Goat. We also just released our MOUNT NINJI + DA NICE TIME KID action figures designed by Ashley Wood from 3A. Plus we also just released our own weed line called ZEF ZOL. And, in case you were wondering, no DIE ANTWOORD did not break up. Don't believe the hype.

https://twitter.com/DieAntwoord/status/776846699763535872

EDIT: ok fuk i have 2 go bye

Q:

Given the recent news of fraud accounts, how would I know if my account has been affected?

A:

Whats your favorite pizza?


Q:

Your online banking should help. It would show up there.

A:

margerita with pineapple and feta


Q:

As in my statements or an out right message

A:

Yo Ninja! Love your work. I'm going to be seeing you and Yolandi live in Atlanta next month. I got two questions.

What was it like working in a big budget movie with A-listers like Hugh Jackman, Sharlto Copley and Sigourney Weaver?

Is it true you and Neill Blomkamp had a falling out after the filming of the movie Chappie? Or is it all bullshit?

Bonus-

How'd you link up with Jack Black for the Ugly Boy video?


Q:

You probably wouldn't get a message. I would either pull my credit (free under annualcreditreport.com), check online banking or call the 800 number and make sure nothing else pulls up under your ss#

A:

neil wouldn't let us meet hugh jackman and sigournery weaver, i like used to like sharlto b4 we worked on chappie... and neill is cute, he tried his best... neill's dope, but he's got dumb bitches around him whispering in his ear... dat's dat shit dat drives a king to madness if he starts believing the bullshit

chappie was cute, but it had its breaks on

the original film we signed on 4 was wild as fuck mainly based around us turning chappie into the wild gangster robot jesus you should see the secret in-house short film we made 4 chappie to get the main 1 green lit then big studio power came in and started making that shit more and more diet coke

but our essence wasn't fucked with still a cute film just kinda time compared to the art we used to making

jack black is kinda 1 of my best friends in da hole universe he's starring in our movie we making ourselves we writing, scoring and starring in it im directing called SOUTH AFRICAN NINJA dat shit def not gonna have no brakes on ;)


Q:

Former teller from Wells. A banker I worked with would often "hide" the accounts from the online banking view so people wouldn't be able to see them. Are you sure this would really help?

A:

You are creating your own weed line, how are you overseeing the quality in regards to nutrients, growing conditions and curing? Is it only available in South Africa or are you trying to replicate it in different countries around the world?


Q:

Yep, I forgot about that in the original answer. Sorry about that. I responded in more detail to another post and included that.

A:

we starting it in LA. and DJ MUGGS from Cypress fucking Hill is overseeing everything, who is basically the God of weed, he's got mad plantations of his own... so yea starting our little line here, and will start expanding as things go... we soooo happy about this shit... its fucking crazy...


Q:

Business Bankers get a lot of shit for opening a business package without some sort of credit line. This is monitored very closely by the bank.

A:

What's on the horizon movie wise? Any full length projects you'd like to make or anything you're hyped about being involved with?


Q:

Yup! Like a call 15 minutes after you've opened the account saying "I see the business is approved for a credit card and line of credit. Why didn't you give it to them".

A:

we making our own movie. been working on story for over 10 years. den about a week ago, i wrote the whole story down in 2 days. my homie ashley wood gonna turn the script into a graphic novel 1st. den we straight gonna shoot dat like our story board. I'm directing it. me and Y starring. DA scoring it. called SOUTH AFRICA NINJA


Q:

Are you going to just put "Bank" now on your resume?

A:

what happened to Gucci coochie music video?


Q:

Opened a real estate company with an attorney friend. No need.

A:

still busy with it. sometimes we take a while to work shit it. has to be super fukn perfect


Q:

These credit card accounts were opened for new customers of the bank or existing? I do not follow how someone working in a branch is expected to sell new services. When I as a customer walk into a branch I know why I am there.

A:

Do you guys run any charities or community projects in SA to help out your people? If so, do you have a website link so we can donate and help out too?


Q:

It can be both. The easiest way to do it was when opening new accounts, but it's just as easily done if you come in for account maintenance.

A:

we have a little ZEF sanctuary in johannesburg, and some other kids in africa that we putting through skool


Q:

Former employee here as well. I witnessed bankers standing next to tellers at the teller window and when a college student (or looked like they were) came up the banker would take over the interaction, set up the conversation to pitch the college credit card, then say that "Hey, how about we'll send out some information to you about the college credit card, all you need to do is sign this PinPad." It was actually signing the application, and the "information" being sent out was either an approved credit card, or the packet of information explaining the application was declined. Absolutely hated working for Wells Fargo.

A:

First, thank you thank you thank you for doing this! I've loved your music since I first heard of MaxNormal.tv!

I loved Chappie, probably moreso because you and Yo-Landi were in it, do you have any offers or plans to be in any more movies any time soon? I would love to see you guys fighting your way through SA again.


Q:

This is called "Seller behind the Teller". There's typically someone dedicated to this every day.

A:

yea we making our own movie called SOUTH AFRICAN NINJA. i spoke about it a few questions up ;)


Q:

I personally left WF as my main account due to ridiculous fees, right before everything now up. Around how many people do you think closed their accounts as a result? Also, what do you think should be the correct response and fine that WF should have been given?

A:

Yo ninja, what's good bruv. Who's an artist you listen to regularly that people might be surprised by?


Q:

I couldn't speculate on how many people have closed their accounts.

As far as the fines and response..that's a tough one too...how do you calculate the damage it's done to countless people that have had credit drawn on their name without their permission. The damage includes FICO's that have dropped due to credit pulls, which in turn leads to higher interest rates for loans people have taken about subsequent to their finding out about all this. I find it funny that 5200 employees were fired, but I still know of plenty that are doing it, and one just got back from a WF trip because of her high credit numbers. I've watched and read the interviews with John Stumpf, and I can tell you now, he's full of shit. This is a culture he and Tolstedt created. If you didn't have 10 approved credit per week, your ass was grass. You were pounded by management. I've literally had customers in my office who's wife had just died, and wanted to process beneficiary services, and was ridiculed because I didn't try to sell credit to this person...who promotes that kind of culture?

A:

um... i love ennio morricone


Q:

Is there anyway to protect ourselves from all this banking corruption? I feel like it's everywhere, regardless who you use, to some degree, and was only noticed how banks are not your friend when the housing crisis hit.

Checking a credit score once a year isn't frequent enough, and I know first-hand that closing accounts these days are more difficult than opening one. For example: my multiple attempts to close a CC by calling in directly, and the account is still there, regardless who I talk to.

Are there corporate incentives to having all these accounts? to stock holders?

A:

i love the new context! The direction is definitely new but I'm a new fan and the mixture of old style rap rave and new slower beats to pump out to is incredible. I absolutely adore you guys; you guys make me feel proud to be who I am. Why did you feel like Your persona 'Ninja' got out of hand, and what do you hope become as Mount Ninji? How are the two different pieces of you, and did they both have an influence in the creation of this new album? Don't forget about zef fans in Hawaii ! Would love to see y'all live đź’•


Q:

The corporate incentive is it makes the bank more money, which makes it more attractive to stockholders.

The incentive to the local branch is it makes the banker more money (in bonus structure, which is directly tied to how many cc's and accounts you've opened).

A:

this is a really cool question... i created NINJA for fun like 10 years ago or something like how Brian Warner created MARILYN MANSON or how Russel Jones created OL DIRTY BASTARD like how Bruce Wayne created BATMAN

then without me knowing it, i became NINJA

like i can't remember who i was b4, like seriously feels like a dream or a past life

creating NINJA was like creating an indestructible manga style mecha that i climbed into and had to merge with to control

then at some point i became interested in climbing out the NINJA mecha

and when i stepped out i discovered i had been transformed into MOUNT NINJI


Q:

I'm afraid I don't follow. How exactly does it make the bank more money if the consumer isn't aware and isn't putting money in the account?

A:

I want to know the truth behind evil boy, the drawings, as i have seen the originals before that he made , and been to the farm . have images of the first old drawings, evil boy. why did you leave him behind? why didn't he sign with you at the time. all the "drawings" and the whole look , he drew, the first sets, he painted......... and now there is no mention of him ever..... I want to know why??


Q:

The bank makes money because the account will sit there unused and accumulate fees, which the consumer will owe

A:

evil boy is a tattoo i have on my arm, a playful little cartoon character that i drew that we turned into a toy and a song

wanga, who rapped on the evil boy song, was this kid from a little ghetto farm who we have known since he was little. when ever wanga would go home to his hood, he would get beaten up because he is xhosa and he was not yet circumsized. in xhosa tradition a boy becomes a man after he goes through an intense ritual which involves going out into the wild for a long time wrapped in a blanket, getting circumsised with no pain-killer or anti-infection stuff, and every year a lot of kids die (like around 60 or so) from bleeding to death, or they have severe penile disfunction afterwards. so i told wanna, bra... fuck dat shit. who's cares just stay an evil boy 4 life. then for fun me and Y wrote a rap for wanga, and we recorded him saying it line for line, then i laced it up into a verse, and wanga was like woooooahhh!!!! then he came to kick his verse with us when we bust live a few times.... and wanga is a sweetheart, but the instant fame kinda fucked with his head a bit, and there would be some kind of stupid situation after every show, wanga get fuck drunk and missing flights, wanga arriving at a faraway festival with a girl, then telling her she's not allowed backstage, cos he wanted to fuck new fan girls, then wanga phoning me the next day crying because the girl that gave him a lift left without him and now he can't get home... so wasn't wanga wasn't able to roll with us proper and keep learning about music... but this is all just fun silly stuff to us now... we fuckn love wanga and we all joke about this shit...


Q:

How corrupt is the system?

A:

A lot of your music has some dark themes, while a lot of it has some child-like themes.

Does writing towards these themes ever cause your personalities to be affected similarly, or are you able to separate your personal life from the art you create?

A lot of the references to things involve old school video games and TV, were these all freely available to you in South Africa? I think it's awesome how few other rap groups put nostalgia in their music.

How do you manage to stay so energetic all the time, while keeping it cool? Most rap avoids high energy movements but you both embrace it which I think is awesome!

Love you both, thanks for keeping music interesting! Never break up!


Q:

It's pretty corrupt. It's not about banking or helping customers at all. It's all about getting credit. A typical day at the bank would go like this:

Every morning starts with a sales call. The sales call consists of the DM going over how the tellers and bankers can get more credit, and having the managers commit to so many a day (a banker needs to have 2 accounts and 4 credit apps a day, no matter what. As a banker you are approached at least 3 times a day to see how many you've gotten). What the call is geared towards is how the branches are going to achieve that. For instance, one week it may be concentrated on the tellers searching through your transaction history when you come to do a deposit or withdrawal. The tellers will be tasked with getting 5 walkovers to a banker in one day by looking through your history and seeing that you make a payment to a loan or credit card. If they see that, then it's a signal to try to get you to a banker. They'll do that by making up stuff if necessary (like saying your phone number is incorrect, we need to get you to a banker to correct that, then immediately sending a message to the banker stating that the customer is making payment to a credit card)...this signals the banker to automatically steer the conversation towards what credit you have and convincing them that you need Wells Fargo because the interest rate is lower, etc. Also, this is sometimes where the fraudulent credit card is started..."Mr. Customer, I just need you to sign the pinpad to confirm the corrected address", when in reality they just did a cc app for them.

Sorry if it's rambling...it's early

A:

there iz no separation between our personal life and the music we make. iz da same thing. we like high-energy shit. prolly from eating good. excerzise and being in love with this shit we make


Q:

Having worked at BOA, I can tell you that the corruption is not limited to Wells Fargo.

A:

Hey Ninja big fan of you and Die Antwoord Of all your tattoos which one's your favorite? Can't wait to see you guys in Dallas


Q:

I agree with you. I have friends that work at other banks, and this culture seems to be spreading.

A:

da lil one under my right arm of a boy and girl hugging... kids drawing


Q:

Holy shit.

A:

Why isn't Yolandi doing AMA too tho?


Q:

Another tactic was the multiple accounts. You'd have a meeting in the morning on how to sell multiple savings accounts, with role playing, etc. Then it would be a competition (with some times lunch being paid for) to see who could get the most "solutions" out of a customer. You'd have a customer come in on disability, and have a banker open a checking, plus 3 savings accounts for them. Sometimes the customer knew and were sold on it under some shitty pretense, or if they didn't go for it, they were opened anyways.

By the way, I've seen a lot of media on bankers moving money from one account to the other to open the fraudulent accounts. I never saw this. The accounts can be opened without funding. There's a code in the system that allows that.

A:

cos she didn't feel like it :)


Q:

Out of curiosity, since the bank opened the account under the persons name, I am assuming that if they logged onto their wellsfargo.com account that they would see it immediately.

Is this not the case, or does Wells have the ability to hide accounts from being linked to your main accounts? If so, how can you check to see if you have accounts open else ware?

A:

What is your songwriting process like?


Q:

Wells Fargo can't hide the accounts from the bank side, BUT, it can be hidden from your online banking. If you go into account settings you can choose what accounts you want to see. If a banker set up your online banking, then it's possible that they are hidden. I'd check there, then also call the 800 number and make sure what accounts you have.

A:

mysterious and random as fuck

i still don't understand it

i could write a book on how each song was made, and every process will be different... in fact... i think i will write a book about that ;)


Q:

Why the fuck am i getting charged CREDIT DEFENSE every month if i didn't ask for it?

A:

Ninjaaaaaaaa!!!!! THANK YOU so much for doing this AMA- I admire you so much for doing everything that you do and how passionately you do it! My question:

You have so many creative outlets! You write poetry/lyrics/music, you rap, you sing, you draw, you sculpt, you paint, etc- are there any other creative pursuits that you haven’t gotten to try yet but want to?! If so, what are they!? (And/or what’s one of your favorite mind-bending/creative movies that you find inspiring?)


Q:

Because you had a banker add that to your account without you knowing.

A:

um. my main main MAIN love is directed movies. i been training to direct one for last 10 years by conceptualizing and directing, or co-directing every single one of DA music videos. Y is always heavily involved in the conceptual phase and me and Y edit all our vids, sometimes working with our homie saki who cuts with us... editing is my fukn best

i like MY BEST FIEND by Werner Herzthog

and soooo many other movies

most of David Lynch's stuff

i LOVE gummo (duh)

we gonna make soooooo many movies!!!


Q:

would you still recommend using a large bank or should I stick with a local bank?

A:

Hi Ninja (and a hello to Yo-landi)! Good to see you here. Big fan here.

Been listening to Die Antwoord for quite some time now. Been a good accompaniment while I’m working outside and exercising, not to mention totally enjoyable to listen to and learn from.

I feel that your whole philosophy is built on governing your own way of living and demanding respect for yourselves. That you both weren’t satisfied with the way other people have set it up or how you might have been taught or told to live and how you’ve been treated.

Do you feel that going about it your own way has freed you up? Do you feel your art and all that has come with it has changed the way you think about the world and how you go about it? And maybe changed the way you feel about your place in it and what you can do about it?

Edit: Glad you're not breaking up. Keep up the great work. I admire your discipline, work ethic, and vision. Love you guys.


Q:

Really, it depends on your needs. If you travel a lot, then a big bank would be more convenient, but I would always have a credit union for local stuff.

A:

yo! since we started Die Antwoord, our attitude towards making music and living our lives has staying the same. We were freed up before DIE ANTWOORD got known, because we don't make music for anyone. we make it for ourselves. so no1 can take anything away from us. all thats important to us is that maintain this freedom. the fact that people all over the world like us is like some kind of miracle or something


Q:

Really wish I could make it to Life is Beautiful to see you perform!

What is the best memory you have since the start of your career with Die Antwoord?

A:

this new song we just made yesterday! i think iz gonna be the biggest song we ever make... it's got me soon tripped out!!! i'm in looooooove


Q:

Hi guys!

You are the craziest thing to hit mainstream music in a long time. We just love how you channel that energy like wicked shamans, looking for beauty, for dirt, for love and for the most evil inside all of us and turn it into the coolest sound and style around.

What brings you this energy/love/passion? How do you look for beauty in life?

What wisdoms do you try pass along to your daughter?

Dank jullie voor deze crazy trip.

A:

we just love unexpected stuff... we addicted to the unexpected...

i mentioned this b4, but i'll say it again:

The only real things in life are the unexpected things, everything else is just illusion


Q:

How much would you be willing to pay for an authentic, fully functional Chappie?

A:

he lives with us! we stole him ;)


Q:

Ninja!

Big fan of your work with Die Antwoord and am really looking forward to the new record. Recently watched Chappie for the first time with my wife and quite enjoyed it. Any plans to do more acting with or without Blomkamp in the future? You've got some acting chops! You should do a film with David Lynch!

Plus, a shoutout to my wife Maddie would make her day! Cheers!

A:

sup maddie!!

yea see above!


Q:

Hey Ninja, thanks for all the good work I've already listen to your last album 4 times today.

My question is kinda silly but what's your biggest fear ?

Bye from france, I love ya

A:

loosing my voice on tour


Q:

HI DA!! When are you bringing ZEF to Bulgaria? Also, pls share about the connection between between Black cAt WHite Cat the movie and your awesome art with the pitbull sample

A:

no sure when we coming there! we hit up the director who made the black cat white cat film coz we fucking love that movie.... like that movie was actually a major influence on our sound, especially the original pitbull song! and anyway it turned out that the director was a fan of us also, and we asked him if we could recreate his orginal version pitbull and he said yea sure!


Q:

Are there any plans for a UK tour? Would love to see you smash the shit out of Brixton Academy in London!

A:

yea yea yea . not year def


Q:

Hey ninja! I was wondering what 16 and tokkie are up to. Are they doing any of their own music/film/art etc.?

A:

secret x


Q:

Who's your favourite member of the Wu Tang Clan ?

A:

ODB muddafukkkkaaaa ;)


Q:

Big fan here! Me and my bf like to dance to your music alot. I always wondered, do you let Sixteen listen to your music? Does she like it?

A:

yea she dances in our live show

she likes our music but she refuses to swear, she's never sworn in her life


Q:

You said in recent interviews that all of your work up until now has been influenced by the South African Ninja movie your working on. Will this tie the themes of your past work in with die antwoord?

A:

yea when you see the movie, you gonna see stuff in it from the very beginning of die antwoord


Q:

Hi Ninja! You're known for your unique tattoos. Some have an obvious meaning but some seem more obscure. Would you be able to talk about what inspired you to get so much ink, and what the tattoos mean to you?

A:

i like art made by kids, mentally disturbed ppl and criminals... my tattooos are a combination of these 3 styles


Q:

Say a fan wants to meet up with you and/or Yolandi before or after a show and smoke you out, how would you suggest doing that?

A:

haha i dnt know... maybe google how ;)


Q:

What's up Ninja. Saw you guys at Lollapalooza Chicago and fucking fell in love. I'm curious, what was your biggest inspiration for the new album? What message does it try to send?

A:

we inspired by sooooo many things: -being original -being fresh -being fun -being unexpected -being pure -being dirty -being clever -being retarded -being lovely -being ugly -being diligent -being lazy -setting the stardard -taking the lead -and eliminating the competition


Q:

Are you still beefing with Lady Gaga?

A:

i 4got about her... is she still making music?


Q:

Hi ninja!! Are you planning a UK tour??? Please say yes!

A:

yea nxt year def!


Q:

When you need to create a song , you have already instrumental or write text with the metronome and then create the beat at a later time ? Synth that uses DJ Hi - Tek to create your instrument ? You will bring a live show of the new album in Sardinia ( Italy ) ? Write your texts together or everyone writes his own and then joined the party ? Do you have a postal address or e-mail where to send the stuff ? Thanks guys <3

A:

sometimes we make beat 1st den write to it sometimes we write words and melody den make beats to it


Q:

Hey Ninja, huge fan from the US here. I absolutely love your group so much and I am more than relieved to hear you didn't break up. How long does it take you to fully complete one song on average, including recording and writing?

A:

haha sometimes whole song in a day sometimes a song can take 10 years to finish literally. it's a really strange, and kinda mystical process that i still don't even understand, maybe 1 day i will when I'm older and i know everything


Q:

Ninji! <3 Do you allow 16 to listen to DIE ANTWOORD's music? I fink I remember an interview when 16 was younger where you and Y both tried not to curse near her. And when will 16 release some music? Wif you and Y's energy, her music is gunna be too fucking dope! Love you both and da new Album <3 DA4EVA

A:

we always swear around her. we just speak normally. she never swears. ever. never once in her life. she refuses


Q:

Hey guys, just an old boy from America here.

  • Whats your favorite thing to eat when visiting the states?
  • and whats something I should try out when I finally make it to South Africa?

P.S. Posting this from my dope new PC computer. <3

A:

i love the V-cheese veggie burger with orange fries and the special dip frm veggie grill in LA and in south africa.. i love the grilled corn they bust on the side of the road in the ghettos