Can your bank deny you a loan because you run porn?

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  • makeabuck
    Confirmed User
    • Feb 2013
    • 629

    #1

    Can your bank deny you a loan because you run porn?

    I have been with my bank for 15 years, I have excellent credit and they have an offer for a line of credit for me as they have for every year. This year I am applying for it.

    They asked me what type of business, in which I replied sales/marketing. He called me back to ask for some paperwork and then again asked what I do, again I told him sales and marketing, waiting for him to ask what I sell, but he didn't. I am sure a few times I have mentioned to my banker what type of business it is, and I feel like it may be noted on my account.

    Can they deny me simply because of my type of business? Is this discrimination? They process my money through their bank and have for 15 years without any issues.
  • sandman!
    Icq: 14420613
    • Mar 2001
    • 15427

    #2
    yes they can and many will
    Need WebHosting ? Email me for some great deals [email protected]

    Comment

    • makeabuck
      Confirmed User
      • Feb 2013
      • 629

      #3
      That definitely sucks. Well hopefully my sexy voice will dissuade him from pressing the issue.

      He's probably looking up my business name right now finding all my dirty sites. BOOO.

      Comment

      • blackmonsters
        Making PHP work
        • Nov 2002
        • 21102

        #4
        They can terminate you account completely if they want to and you can't do anything about it.

        Don't fuck with the bank.
        Make all your company names sound mainstream.
        Good luck.



        Comment

        • makeabuck
          Confirmed User
          • Feb 2013
          • 629

          #5
          Originally posted by blackmonsters
          They can terminate you account completely if they want to and you can't do anything about it.

          Don't fuck with the bank.
          Make all your company names sound mainstream.
          My company name does sound mainstream. I think it wouldn't be in their best interest to terminate my account.

          But that would definitely suck.

          Comment

          • iSpyCams
            Amateur Gynecologist
            • May 2009
            • 4436

            #6
            Originally posted by blackmonsters
            They can terminate you account completely if they want to and you can't do anything about it.

            Don't fuck with the bank.
            Make all your company names sound mainstream.
            I second that. If you are with Chase, consider setting something else up ASAP. They have closed checking and savings accounts on retired performers just for having that history.

            B of A is not super friendly but they haven't given me any shit. They did tell me they don't do lines of credit for adult businesses though.

            Wells Fargo is known to not give a rat's ass what you do. So I would go with them if you can and are worried about nasty surprises. I would but they don't do online international wire transfers, which is pretty critical for my business model, I can't be running down to the branch and waiting in line and filling out paper forms every couple of days.
            - As soon as I think up a good sig it's going here.

            Comment

            • makeabuck
              Confirmed User
              • Feb 2013
              • 629

              #7
              Originally posted by pompousjohn
              I second that. If you are with Chase, consider setting something else up ASAP. They have closed checking and savings accounts on retired performers just for having that history.

              B of A is not super friendly but they haven't given me any shit. They did tell me they don't do lines of credit for adult businesses though.

              Wells Fargo is known to not give a rat's ass what you do. So I would go with them if you can and are worried about nasty surprises. I would but they don't do online international wire transfers, which is pretty critical for my business model, I can't be running down to the branch and waiting in line and filling out paper forms every couple of days.
              Wells Fargo is who I am with!!! WOOT WOOT!

              Comment

              • fappingJack
                So Fucking Banned
                • Dec 2014
                • 2172

                #8
                Prolly Yes? its their own decision to approve or deny your requests.

                Comment

                • MaDalton
                  I am Amazing Content!
                  • Feb 2004
                  • 39864

                  #9
                  our banks always knew what we did and even leased us equipment and a van.

                  plus business and personal loans

                  but over here people also see this biz more relaxed
                  AmazingContent.com - providing only the best content and service since 2003
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                  • spads
                    Confirmed User
                    • Mar 2013
                    • 344

                    #10
                    PNC doesn't seem to care about it either, but everyone in this biz should have a mainstream sounding name for their holding company to avoid issues.

                    Comment

                    • MaDalton
                      I am Amazing Content!
                      • Feb 2004
                      • 39864

                      #11
                      Originally posted by spads
                      PNC doesn't seem to care about it either, but everyone in this biz should have a mainstream sounding name for their holding company to avoid issues.
                      yeah, well, when someone calls his/her company "Loose Vagina LTD" he/she deserves what's coming
                      AmazingContent.com - providing only the best content and service since 2003
                      Monetize your content on Veegaz.com - one of Germanies largest VOD sites
                      Got German traffic? We convert it into money for you!
                      Email: oltecconsult [at] gmail [dot] com

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                      • makeabuck
                        Confirmed User
                        • Feb 2013
                        • 629

                        #12
                        Originally posted by MaDalton
                        our banks always knew what we did and even leased us equipment and a van.

                        plus business and personal loans

                        but over here people also see this biz more relaxed
                        I guess we'll see by Monday. I tried to flatter him a little bit and tell him how impressed I was at how quickly he was getting things moving. Told him because of this service is exactly why I called the branch and didn't apply online. *crosses fingers* let's hope it works!

                        But everything else is solid, so there is no other reason I would be denied.

                        Comment

                        • Porko
                          SeeMyBucks.com
                          • Sep 2002
                          • 4014

                          #13
                          Originally posted by makeabuck
                          I have been with my bank for 15 years, I have excellent credit and they have an offer for a line of credit for me as they have for every year. This year I am applying for it.

                          They asked me what type of business, in which I replied sales/marketing. He called me back to ask for some paperwork and then again asked what I do, again I told him sales and marketing, waiting for him to ask what I sell, but he didn't. I am sure a few times I have mentioned to my banker what type of business it is, and I feel like it may be noted on my account.

                          Can they deny me simply because of my type of business? Is this discrimination? They process my money through their bank and have for 15 years without any issues.
                          Download any HTML5 marketing online related template from google. Get a boring domain mainstream biz related, them just put your name there. If they ask, show them that. Just write 'online marketing & SEO and outsourcing service, etc' , nobody will ask you more than this.

                          Comment

                          • SomeCreep
                            :glugglug
                            • Mar 2003
                            • 26118

                            #14
                            Can they? No, "They will." As in it is certain.

                            Webair Hosting

                            I use and recommend Webair for hosting.

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                            • nikki99
                              Supermodel
                              • Nov 2004
                              • 23072

                              #15
                              I was kicked out from Bank Boston back in 2004 when they realized I do Porn
                              SMC Revenue - Best Tgirl websites of the world now VR
                              Non exclusive BIG Tranny/shemale Package for sale, full 2257 - hit me up skype: nikkimontero

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                              • altmman
                                Confirmed User
                                • Jan 2015
                                • 468

                                #16
                                Originally posted by Porko
                                Download any HTML5 marketing online related template from google. Get a boring domain mainstream biz related, them just put your name there. If they ask, show them that. Just write 'online marketing & SEO and outsourcing service, etc' , nobody will ask you more than this.
                                Great advice. Just find a mainstream site that does marketing and look at them to get an idea of the buzzwords they use. Use that to make a simple website that is ubiquitous and covers everything.
                                "We specialize in Web and Mobile Marketing Services such as Search Engine Optimization, Mobile Marketing, Local Maps Marketing, E-Newsletter & Email Marketing, Full Service Marketing, and Online Reputation Management & Marketing.

                                Our diverse team includes accomplished and experienced entrepreneurs, lead generation specialists, Google Certified consultants, agents, executives and creative professionals, each with a record of success and achievement."

                                No need to post a phone or address. People wont question it

                                Comment

                                • k0nr4d
                                  Confirmed User
                                  • Aug 2006
                                  • 9231

                                  #17
                                  You should not only make all your biz sound mainstream, you should even run a fake website.
                                  Mechanical Bunny Media
                                  Mechbunny Tube Script | Mechbunny Webcam Aggregator Script | Custom Web Development

                                  Comment

                                  • Struggle4Bucks
                                    Sieg Hi!
                                    • May 2011
                                    • 3615

                                    #18
                                    Originally posted by altmman
                                    Our diverse team includes accomplished and experienced entrepreneurs, lead generation specialists, Google Certified consultants, agents, executives and creative professionals, each with a record of success and achievement."
                                    And then the bank employee sees the weekly +/- $200 CCBill wire payments...
                                    Half troll half amazing!

                                    Comment

                                    • x12media
                                      Ohhh Snap!
                                      • Oct 2012
                                      • 276

                                      #19
                                      and whats more fucked up with this, is when I was dealing with LFP and VIVID, they bank with BOA, and WELLS, and they would deny accounts based on Adult Content , but then you get the regional director on the phone, and say, does 80% of your deposits come from these companies in your region...

                                      They still will deny you..
                                      Gotta love sexy ass people!

                                      Comment

                                      • makeabuck
                                        Confirmed User
                                        • Feb 2013
                                        • 629

                                        #20
                                        Originally posted by Struggle4Bucks
                                        And then the bank employee sees the weekly +/- $200 CCBill wire payments...
                                        I don't use a third party processor so in my case it just comes directly from merchant account.

                                        Comment

                                        • aka123
                                          Confirmed User
                                          • Jul 2014
                                          • 4450

                                          #21
                                          Originally posted by spads
                                          PNC doesn't seem to care about it either, but everyone in this biz should have a mainstream sounding name for their holding company to avoid issues.
                                          Doing business in less religious country could be answer as well. I wouldn't try my luck for example in the ISIS region, no matter what would be the name for my holding company.

                                          Comment

                                          • woj
                                            <&(©¿©)&>
                                            • Jul 2002
                                            • 47880

                                            #22
                                            Originally posted by Struggle4Bucks
                                            And then the bank employee sees the weekly +/- $200 CCBill wire payments...
                                            no kidding, you can bullshit them all you want, but it takes whole 2 mins to find copies of the checks/wires you deposited in the past month and perform quick google search to see what's up...
                                            Custom Software Development, email: woj#at#wojfun#.#com to discuss details or skype: wojl2000 or gchat: wojfun or telegram: wojl2000
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                                            • altmman
                                              Confirmed User
                                              • Jan 2015
                                              • 468

                                              #23
                                              Originally posted by Struggle4Bucks
                                              And then the bank employee sees the weekly +/- $200 CCBill wire payments...
                                              he's getting a loan not applying for an account

                                              Comment

                                              • hadden
                                                So Fucking Banned
                                                • Aug 2006
                                                • 1440

                                                #24
                                                their risk assessment deems porn to be high risk.

                                                Comment

                                                • Struggle4Bucks
                                                  Sieg Hi!
                                                  • May 2011
                                                  • 3615

                                                  #25
                                                  Originally posted by altmman
                                                  he's getting a loan not applying for an account
                                                  Nevermind... people don't get what i meant... nevermind...
                                                  Half troll half amazing!

                                                  Comment

                                                  • makeabuck
                                                    Confirmed User
                                                    • Feb 2013
                                                    • 629

                                                    #26
                                                    Originally posted by Struggle4Bucks
                                                    Nevermind... people don't get what i meant... nevermind...
                                                    I got what you meant that's why I said it doesn't apply to me. I get nothing from anyone other than credit card companies.

                                                    Comment

                                                    • makeabuck
                                                      Confirmed User
                                                      • Feb 2013
                                                      • 629

                                                      #27
                                                      Actually it's not a loan, it's a business line of credit (my bad), so I assume they can decide not to fund my type of business if I was more in depth with them. I have never not told the truth about my business in setting up accounts or tax ID etc.

                                                      I think if it were a personal loan, then I don't see how it's their business how I pay them back as long as I do. Like they shouldn't be able to deny me a personal loan because I'm a stripper as long as I can prove steady income via taxes or paystub.

                                                      Comment

                                                      • OneHungLo
                                                        So Fucking Banned
                                                        • May 2001
                                                        • 40902

                                                        #28
                                                        Originally posted by makeabuck
                                                        That definitely sucks. Well hopefully my sexy voice will dissuade him from pressing the issue.

                                                        He's probably looking up my business name right now finding all my dirty sites. BOOO.
                                                        Be careful, pretending to be a women on gfy is probably a lot easier online than it is in person

                                                        Comment

                                                        • makeabuck
                                                          Confirmed User
                                                          • Feb 2013
                                                          • 629

                                                          #29
                                                          Originally posted by OneHungLo
                                                          Be careful, pretending to be a women on gfy is probably a lot easier online than it is in person
                                                          I would imagine it is there smarty pants. Good thing there isn't any pretend about me.

                                                          Comment

                                                          • DAMNMAN
                                                            Confirmed User
                                                            • Dec 2002
                                                            • 1440

                                                            #30
                                                            YES!!! and have denied me personally because of it.
                                                            I don't tell them shit anymore.
                                                            email: zmaster (at) earthlink.net
                                                            ICQ: 196678616
                                                            ZMASTER

                                                            One less god!!!
                                                            I contend that we are both an atheist. I just belive in one fewer god than you do. When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.

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                                                            • Struggle4Bucks
                                                              Sieg Hi!
                                                              • May 2011
                                                              • 3615

                                                              #31
                                                              Originally posted by makeabuck
                                                              I got what you meant that's why I said it doesn't apply to me. I get nothing from anyone other than credit card companies.


                                                              That's not what i meant... but... Like i said... nevermind...
                                                              Half troll half amazing!

                                                              Comment

                                                              • AmateurBros
                                                                Confirmed User
                                                                • Jan 2015
                                                                • 399

                                                                #32
                                                                Years ago, they completely shut my accounts down.
                                                                Email: amateurbros(a)gmail.com
                                                                ICQ: 698-715-421

                                                                Comment

                                                                • x12media
                                                                  Ohhh Snap!
                                                                  • Oct 2012
                                                                  • 276

                                                                  #33
                                                                  Originally posted by AmateurBros
                                                                  Years ago, they completely shut my accounts down.
                                                                  yea they like to do that.. then they hold all your funds for 30 days, and say they will send out a check to you.
                                                                  Gotta love sexy ass people!

                                                                  Comment

                                                                  • fappingJack
                                                                    So Fucking Banned
                                                                    • Dec 2014
                                                                    • 2172

                                                                    #34
                                                                    Originally posted by nikki99
                                                                    I was kicked out from Bank Boston back in 2004 when they realized I do Porn
                                                                    aww. that sucks

                                                                    Comment

                                                                    • epitome
                                                                      So Fucking Lame
                                                                      • Jun 2009
                                                                      • 12156

                                                                      #35
                                                                      Originally posted by altmman

                                                                      Our diverse team includes accomplished and experienced entrepreneurs, lead generation specialists, Google Certified consultants, agents, executives and creative professionals, each with a record of success and achievement."

                                                                      No need to post a phone or address. People wont question it
                                                                      Originally posted by Struggle4Bucks
                                                                      And then the bank employee sees the weekly +/- $200 CCBill wire payments...
                                                                      Originally posted by makeabuck
                                                                      I don't use a third party processor so in my case it just comes directly from merchant account.
                                                                      Originally posted by woj
                                                                      no kidding, you can bullshit them all you want, but it takes whole 2 mins to find copies of the checks/wires you deposited in the past month and perform quick google search to see what's up...
                                                                      Originally posted by altmman
                                                                      he's getting a loan not applying for an account
                                                                      Originally posted by Struggle4Bucks
                                                                      Nevermind... people don't get what i meant... nevermind...
                                                                      Originally posted by makeabuck
                                                                      I got what you meant that's why I said it doesn't apply to me. I get nothing from anyone other than credit card companies.
                                                                      Originally posted by Struggle4Bucks
                                                                      That's not what i meant... but... Like i said... nevermind...


                                                                      Nobody being smart enough to get it kind of proves your point.

                                                                      FOR THE SLOW:

                                                                      You can build a site making you appear like a Fortune 500, but your bank will quickly find out when your broke ass company is only running $200/wk through a single account.

                                                                      Comment

                                                                      • cosis
                                                                        Confirmed User
                                                                        • Aug 2001
                                                                        • 5293

                                                                        #36
                                                                        I've never had a problem, but I have never told a bank I ran porn. I always bullshitted what I did and it worked.

                                                                        Comment

                                                                        • freecartoonporn
                                                                          Confirmed User
                                                                          • Jan 2012
                                                                          • 7683

                                                                          #37
                                                                          i tell them , i work with google and google pays me.
                                                                          (adsense does).

                                                                          so no more question.
                                                                          SSD Cloud Server, VPS Server, Simple Cloud Hosting | DigitalOcean

                                                                          Comment

                                                                          • RummyBoy
                                                                            Confirmed User
                                                                            • Dec 2009
                                                                            • 2157

                                                                            #38
                                                                            Originally posted by aka123
                                                                            I wouldn't try my luck for example in the ISIS region
                                                                            Errr try your luck? You'd lose your account straight away, then probably your head.

                                                                            I actually am sick of banking anywhere these days. The amount of DD they throw at you just because you have an unconventional profile is absolutely pathetic. In many cases, these institutions need more clients and they're turning them away flat.

                                                                            I had an argument with a bank manager just the other day who thought I was a risk because I'm well informed about banking regulations (which made me different to other customers)..... needless to say they found a stupid arbitrary reason to turn my application down.

                                                                            Comment

                                                                            • Grapesoda
                                                                              So Fucking Banned
                                                                              • Jul 2003
                                                                              • 46234

                                                                              #39
                                                                              Originally posted by makeabuck
                                                                              I have been with my bank for 15 years, I have excellent credit and they have an offer for a line of credit for me as they have for every year. This year I am applying for it.

                                                                              They asked me what type of business, in which I replied sales/marketing. He called me back to ask for some paperwork and then again asked what I do, again I told him sales and marketing, waiting for him to ask what I sell, but he didn't. I am sure a few times I have mentioned to my banker what type of business it is, and I feel like it may be noted on my account.

                                                                              Can they deny me simply because of my type of business? Is this discrimination? They process my money through their bank and have for 15 years without any issues.
                                                                              a bank just canceled my account for being in adult... no bounced checks, no over drawn accounts... no issues at all just running 1/2 mil plus though the accounts every year....been with the bank way over 20 years

                                                                              Comment

                                                                              • Struggle4Bucks
                                                                                Sieg Hi!
                                                                                • May 2011
                                                                                • 3615

                                                                                #40
                                                                                Originally posted by epitome


                                                                                Nobody being smart enough to get it kind of proves your point.

                                                                                FOR THE SLOW:

                                                                                You can build a site making you appear like a Fortune 500, but your bank will quickly find out when your broke ass company is only running $200/wk through a single account.
                                                                                We have a correct answer
                                                                                Half troll half amazing!

                                                                                Comment

                                                                                • makeabuck
                                                                                  Confirmed User
                                                                                  • Feb 2013
                                                                                  • 629

                                                                                  #41
                                                                                  Originally posted by epitome


                                                                                  Nobody being smart enough to get it kind of proves your point.

                                                                                  FOR THE SLOW:

                                                                                  You can build a site making you appear like a Fortune 500, but your bank will quickly find out when your broke ass company is only running $200/wk through a single account.
                                                                                  Then I didn't get it exactly and perhaps I'm a little slow, but again it doesn't apply to me. If I were running only $200.00 a week through an account I might as well just go work at the closest fast food restaurant.

                                                                                  I have 6 people to support! lol

                                                                                  Comment

                                                                                  • Grapesoda
                                                                                    So Fucking Banned
                                                                                    • Jul 2003
                                                                                    • 46234

                                                                                    #42
                                                                                    Originally posted by MaDalton
                                                                                    yeah, well, when someone calls his/her company "Loose Vagina LTD" he/she deserves what's coming
                                                                                    how about 'adult talent management los angeles'? pretty sure sending money to that account is what got me dumped

                                                                                    Comment

                                                                                    • makeabuck
                                                                                      Confirmed User
                                                                                      • Feb 2013
                                                                                      • 629

                                                                                      #43
                                                                                      Originally posted by Grapesoda
                                                                                      a bank just canceled my account for being in adult... no bounced checks, no over drawn accounts... no issues at all just running 1/2 mil plus though the accounts every year....been with the bank way over 20 years
                                                                                      Wow! That's crazy. Did they give you a reason? Since about 2008 I had been running 5-800k this past year was over a a mil. and I expect to reach 1.2 - 1.4 this year. I thought running a high amount would make them think twice but apparently that's not true in your case.

                                                                                      I would shit if that happened. Seriously.

                                                                                      Comment

                                                                                      • makeabuck
                                                                                        Confirmed User
                                                                                        • Feb 2013
                                                                                        • 629

                                                                                        #44
                                                                                        Originally posted by Grapesoda
                                                                                        how about 'adult talent management los angeles'? pretty sure sending money to that account is what got me dumped
                                                                                        Yes I have a very plain name. Most places think I do graphic design work. which I DO!

                                                                                        My main job IS sales/marketing but my product/service (which they didn't ask) is xxx.

                                                                                        Comment

                                                                                        • makeabuck
                                                                                          Confirmed User
                                                                                          • Feb 2013
                                                                                          • 629

                                                                                          #45
                                                                                          Originally posted by Grapesoda
                                                                                          how about 'adult talent management los angeles'? pretty sure sending money to that account is what got me dumped
                                                                                          When you opened your account, didn't you have the same name? It took them 20 years to cancel it?

                                                                                          Comment

                                                                                          • MaDalton
                                                                                            I am Amazing Content!
                                                                                            • Feb 2004
                                                                                            • 39864

                                                                                            #46
                                                                                            Originally posted by Grapesoda
                                                                                            how about 'adult talent management los angeles'? pretty sure sending money to that account is what got me dumped
                                                                                            for sure not helpful either

                                                                                            our company name is also very plain but since we need to publish it for 2257, it would take only 30 secs to find out for every bank employee - including our personal names

                                                                                            but like i said - our bank knows anyways - and so does the tax office
                                                                                            AmazingContent.com - providing only the best content and service since 2003
                                                                                            Monetize your content on Veegaz.com - one of Germanies largest VOD sites
                                                                                            Got German traffic? We convert it into money for you!
                                                                                            Email: oltecconsult [at] gmail [dot] com

                                                                                            Comment

                                                                                            • LazyBastard
                                                                                              Confirmed User
                                                                                              • Sep 2005
                                                                                              • 200

                                                                                              #47
                                                                                              Crazy thread, I had no idea bankers in the US had any morals.

                                                                                              Comment

                                                                                              • makeabuck
                                                                                                Confirmed User
                                                                                                • Feb 2013
                                                                                                • 629

                                                                                                #48
                                                                                                Originally posted by LazyBastard
                                                                                                Crazy thread, I had no idea bankers in the US had any morals.
                                                                                                I guess I'll find out Monday.

                                                                                                Comment

                                                                                                • Grapesoda
                                                                                                  So Fucking Banned
                                                                                                  • Jul 2003
                                                                                                  • 46234

                                                                                                  #49
                                                                                                  Originally posted by makeabuck
                                                                                                  When you opened your account, didn't you have the same name? It took them 20 years to cancel it?
                                                                                                  it was paying the models and the agencies that got me busted ... the bank just followed the trial back to me

                                                                                                  Comment

                                                                                                  • pornmasta
                                                                                                    Too lazy to set a custom title
                                                                                                    • Jun 2006
                                                                                                    • 19849

                                                                                                    #50
                                                                                                    banks have an insane power

                                                                                                    Comment

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