THE BULLCRAP BUSTERS 
We Take The Bullying By The Horns

www.bullcrapbuster.com










​!!!OH MY GOD!!!

ANOTHER THING THAT CAN BE DONE WHEN THE BULLY COWARD BUSINESS HAS ALL THE POWER...

...AND THE INDIVIDUAL VICTIM HAS NONE.

BANK HAPOALIM

FEATURING ITS MANAGER 
WHOSE NAME IS

ITZIK SHOAH

AND ITS PRIVATE BANKING DEPARTMENT STAFF 
WHOSE NAMES ARE

YOGEV DAVID
DAVID CHADDAD
ORLY CHANEA OR ORLY ELUZ 
BRURIA AVETAL
SILVIA GOETA









​   Photo Courtesy of 2008 United States Banking Crisis​

By Elana Laham © 2015 Elana Laham

   WHO WOULDA, SHOULDA, COULDA IMAGINE IT??? A BANK
 THAT REFUSES TO PERMIT ITS OWN DEPOSITOR FROM WITHDRAWING HIS OWN MONEY FROM HIS OWN BANK ACCOUNT!!! Well...such is what happened to us. BANK HAPOALIM is the largest and oldest bank in Israel. So, of course, when we opened up our joint checking account on January 22, 2015, at Bank Hapoalim located at 2 Hagalil Street, Karmiel, Israel, Phone 04-9900746, we were sure our money was SAFE.

If the reader is interested in viewing our joint checking account then please go to hyperlink Bank Hapoalim Joint Account at www.bullcrapbusters.com.

​   We were using our joint checking account at Bank Hapoalim to deposit not only shekels into it, which is the Israeli currency, but dollars into it as well from my spouse’s monthly pension checks from Boeing, a company he retired from working for as an electrical engineer in the United States.

​   Initially, our relationship with the Private Banking Department – the staff in charge of handing our banking transactions at Bank Hapoalim – was fine...Until Bank Hapoalim’s investor from the Private Banking Department, whose name is YOGEV DAVID, very aggressively to the point of obnoxious, kept insisting that we invest our money into one of the bank’s Certificate of Deposit Accounts. When we told him that we were not interested in doing so, that is when all of the trouble started and Bank Hapoalim became the worst bank we have ever done business with in our entire lives and we are both 56 years old.











​   Photo Courtesy of 2008 United States Banking Crisis​

   YOGEV DAVID, who told us his motto is, "BANK HAPOALIM IS TOO BIG TO FAIL", kept bothering us with phone calls and e-mails about investing our money into one of Bank Hapoalim’s Certificate of Deposit Accounts. When we did not reply to his correspondences, the staff of the Private Banking Department at Bank Hapoalim’s Karmiel Branch decided to render us the most God-awful customer dis-service.

   The following are just a few samples of the appalling way in which the
​staff of the Private Banking Department at Bank Hapoalim’s Karmiel Branch mistreated us.

1) YOGEV DAVID – One day we came to see him to make an urgent request that he close out our existing joint checking account and open up a new joint checking account due to a security breach. Yogev refused to do so, argued with us about it, and told us that, being that it was Thursday, no one else was available to do so either. Afterwards, he told us to come back on Sunday and Silvia Goeta will do it. We came back on Sunday but Silvia Goeta was not there. So we went over to Bruria Avetal to close out our old joint checking account and open up a new joint checking account. She did it. As we left her desk I noticed Yogev was looking over at us with a shocked expression on his face. I went over to Yogev and told him, “Banks worldwide take security breaches seriously, and immediately close out the old account and open up a new account, because they know if they don’t their depositor’s money might get robbed from the bank and then the bank cannot invest the depositor’s money since it has been stolen.” And we left.

​2) ORLY CHANEA OR ORLY ELUZ (There are two Orlys in the Private Banking Department. The one we are referring to was pregnant and went on maternity leave) – She overcharged us US$30.00, which is equivalent to 115.95 Israeli Shekel, to deposit a check from the United States into our bank account. The fee for all banks in Israel for such a transaction is US$100.00. Orly charged us US$130.00. Orly never ever gave us any paperwork showing she charged us US$130.00 but it showed up on bank statement. Luckily we got this overcharge reversed.

If the reader is interested in viewing the documentation showing the standard fee for all banks in Israel for international cashier's checks then please go to hyperlink Standard Bank Fees at www.bullcrapbusters.com.

If the reader is interested in viewing the reversal of Orly's overcharge then please go to hyperlink Bank Hapoalim Joint Account Refund at www.bullcrapbusters.com.

​3) DAVID CHADDAD – He is the manager of the Private Banking Department. When I complained to him about Orly, all he was willing to do was defend her for overcharging us for an international cashier's check fee. Then, he started yelling at me that no one yells in the bank while falsely accusing me of yelling. So I said to him, “Excuse me David but you said there was no yelling in the bank, yet you are yelling.” He retorted, “I am the manager so I can yell.” I rebutted, “But you are breaking your own rules.” After that, David’s face got redder than a beet.

4) BRURIA AVETAL – This bank teller opened up a new joint checking account #121690747 for us and closed out our old joint checking account #111601747 for us, which Yogev had refused to.

If the reader is interested in viewing the closing of our old joint checking account and the opening of our new joint checking account then please go to the following hyperlinks at www.bullcrapbusters.com:

Bank Hapoalim Closing Old Account 
Bank Hapoalim Opening New Account 

​   But when we told her to sign us up for an Isracard (Israeli debit card) and put it in my spouse’s name, she put it in my name instead. When the Isracard came in five days later, we requested it to be voided, and re- requested a new one, which we had to wait another five days for. When we told her about her mistake, as we were leaving we heard her say out loud to us in Hebrew, and these were her words verbatim, “Shalom E- chat”. Not knowing what the word “E-chat” meant, we said back to her, “Shalom E-chat to you”. Then, she told us, and these were her words verbatim, “No one in Israel says Shalom E-chat”. After that she told us, and these were her words verbatim, “You did not hear me say that”. We said, “We are Olim Hadasheem (new immigrants) and have not yet been to Ulpan (class for learning Hebrew), so we do not know what the word E-chat means, but we did hear you say the word E-chat”. She said nothing, got up from her desk, and walked away from us.

5) SYLVIA GOETA – She was unbelievably rude for nothing. She laughed at me for no reason. One day she gave me a compliment that I dress nice. Then she asked me why. I told her, Because it makes me feel good". After that she laughed in a mocking tone. So I said back to her, "You laugh for nonsensical reasons". I continued, "I am nice and pleasant since it makes me feel good. Why are you mean and nasty, because it makes you feel good"? She just stared at me poker faced. Being that we are living in Israel now, we have to learn Hebrew. However, whenever we asked her how to translate an English word into Hebrew she lied to us by telling me nonsense words while telling my husband what the actual word was. For example, I asked her what the Hebrew word was for “container”. She told me it was “chufsa” but told my husband it was “kufsa”. Will the real Hebrew word please stand up?! So we went to the nearby post office as we had business to attend to there anyway, and found out that the Hebrew word for container is “kufsa”. Afterwards, we went back and made fun of Silvia for giving us schizophrenic and gender biased Hebrew lessons. She got up from her desk, said nothing, and walked away from us.

If the reader is interested in viewing the list of staff in the Private Banking Department then please go to hyperlink Bank Hapoalim Private Banking I at www.bullcrapbusters.com.

​   We went to the manager of the Karmiel branch of Bank Hapoalim, whose name is ITZIK SHOAH, to voice our legitimate complaint about the disgusting manner in which his Private Banking Department staff were treating us. We told him that, as a result of their unbelievably nasty behavior towards us, we are taking our money out of Bank Hapoalim and putting it into another bank. His reply was to pretend he did not know any English! Such is hard to believe when all of his staff in the Private Banking Department knows English. But let’s say he does not know English. Well then, he woulda, shoulda, coulda get one of his employees who does speak English to come into his office and translate what we were making an effort to communicate to him. We also requested his business card. He refused to give it to us! We got his name from a nameplate on his desk. We got his e-mail address by using his name and the Bank Hapoalim e-mail address we already had for Yogev
David.

If the reader is interested in viewing the Karmiel branch manager’s e- mail address then please go to hyperlink Bank Hapoalim Private Banking II at www.bullcrapbusters.com.

   On July 29, 2015, my husband and I went to Bank Hapoalim to close our joint checking account. But Yogev David, Sylvia Goeta, and Bruria Avetal all came over and LIED to us that my spouse’s pension check in the amount of 2,588.34 United States Dollars, which is equivalent to about 10,000 Israeli Shekels, had not cleared. He had deposited his check into our joint checking account on July 5, 2015 and it was already July 29, 2015. Common sense dictated to us that by now the check had been paid upon.

   If the reader is interested in viewing the documentation showing that my spouse’s pension was deposited into our new joint checking account on 7/5/15 then please go to hyperlink Pension Check Deposit at www.bullcrapbusters.com.

   That evening my husband contacted State Street Bank of Boston, Massachusetts – the bank that issues his pension checks from Boeing, the company he retired from. He was told that the pension check cleared and Bank Hapoalim got paid the money on July 8, 2015. He was also told to contact the Boeing Pension Service Center to obtain proof – a front and back copy of his pension check showing that it had cancelled. Unfortunately, he was also informed that it would take a while for the paper copy of this document to arrive at our international mailing address.

   We came back the next day and told Yogev David, Sylvia Goeta, and Bruria Avetal that, according to the United States bank that issues my husband’s pension checks, my spouse’s pension check had already cleared on July 8, 2015. Nevertheless, they all continued to insist that his pension check had not cleared and refused to let us take out our own money from my spouse’s pension check from our joint checking account.

If the reader is interested in viewing the documentation showing that my spouse’s pension check cleared the bank on 7/8/15 then please go to the following hyperlinks at www.bullcrapbusters.com:

Boeing Pension Service Center Letter Dated August 3, 2015 
Boeing Pension Service Center Envelope Date August 7, 2015

Once again, we went over to the manager of the Karmiel Branch of Bank Hapoalim, whose name is ITZIK SHOAH, and asked him why he refuses to give us our money. His answer was to tell us, and in perfect English I might add, to get out of his bank or he will call the police. We immediately left.

   When we got home we sent ITZIK SHOAH an e-mail inquiring as to why his bank refuses to give us our money.

   The statement in our e-mail to him about phone texting had to do with him sending us a phone text regarding a different matter several weeks ago. My phone was not working properly so the text he did send me I was only able to read the first three words, which were written in perfect English I might add. The words he texted to me were, "I am so..." The rest of his text was missing. In addition, I did not want him to send me a text again about the matter of his bank refusing to give us our money.
So I was making it crystal clear to him not to, as we required his reply to our e-mail inquiry to be in WRITING for documentation purposes.
We never ever got any reply from him.

If the reader is interested in viewing the correspondence we sent to the manager of the Karmiel branch at Bank Hapoalim then please go to hyperlink E-mail Itzik Shoah at www.bullcrapbusters.com.

   ***


   WHAT DO YOU DO WHEN THE BANK YOU HAVE AN ACCOUNT WITH THAT IS SUPPOSED TO BE KEEPING YOUR MONEY SAFE REFUSES TO GIVE YOU BACK YOUR OWN MONEY???!!!

   Do You Contact the Police?

   No! The police are not able to help you due to the DOUBLE STANDARDS of LAW. If someone attempts the blue-collar crime of robbing a bank, they will get arrested and thrown in jail, for such is considered a criminal act. But if a bank attempts the white-collar crime of holding your own money hostage, such is considered a civil matter and the police can do nothing about it. The police will not even let you file a police report – citizen’s complaint.

   Do You Go Through the Proper Channels?

   Maybe. The victim’s only recourse is to first, contact the CEO – Chief Executive Officer – of the Bank and let him know what is going on. If that does not work, the victim has to contact the Supervisor of Banks, which is a government branch, and let them know what is going on. If that does not work, the victim must sue the bank in a civil court of law. We did speak to a lawyer in Israel, the country we are presently residing in, and asked him if he was willing to represent us in a lawsuit against Bank Hapoalim. What he told us was, that the amount of money involved was too low.

   The trouble with pursuing these above avenues is, what if they refuse to do their job?

   We sent e-mails to the following five senior managers of Bank Hapoalim and informed them of what had transpired at their Bank Hapoalim Karmiel branch.

Zion Kenan, CEO of Bank Hapoalim 
Yadin Antebi, Chief Financial Officer
Ofer Levy, Chief Accountant
​ Zeev Hayo, Chief Internal Auditor
Ari Pinto, Head of Retail Banking

If the reader is interested in viewing the Internet document showing a list of the above five members of the board of management of Bank Hapoalim then please go to hyperlink Board of Management Bank Hapoalim at www.bullcrapbusters.com.

If the reader is interested in viewing the e-mails we sent to the above five members of the board of management of Bank Hapoalim then please go to hyperlink e-mails Bank Hapoalim at www.bullcrapbusters.com.

   The five headless horsemen never ever replied to my e-mail.

   We sent an e-mail about the Karmiel branch of Bank Hapoalim to the Supervisor of Banks of Israel whose name is Hedva Ber.

If the reader is interested in viewing the Internet document showing her as the Head of the Banking Supervision Department of the Bank of Israel, then please go to hyperlink Head of Banking Supervision Department at www.bullcrapbusters.com.

If the reader is interested in viewing the Internet document describing the specific e-mail for Hedva Ber, then please go to hyperlink E-mails for Bank of Israel Officers at www.bullcrapbusters.com.

If the reader is interested in viewing the Internet document describing an e-mail address for the Banking Supervision Department of the Bank of Israel, then please go to hyperlink Banking Supervision Department at www.bullcrapbusters.com.

If the reader is interested in viewing the e-mail sent to the Supervisor then please go to Doctor Hedva Ber at www.bullcrapbusters.com.

   She never ever replied to my e-mail.

   The trouble with pursuing these above avenues also is, what if they are all corrupt?

   In other words, they all decide to accept BRIBES and literally at your expense. Being that we live in a world that is becoming more and more of a Bully Culture with each passing day, the chances are high that, if a bribe is involved, then your money is going to undergo a heist.

   Case scenario: the branch manager of the bank...the regional manager of the bank...the president of the bank...all the way up to the government arm that supervises banks...and/or the judge presiding over your legal case against the bank may deny you your civil rights by taking a Kick Back. And of course, it is your stolen money that pays for the Pay Offs. Your evidence – proof that you are in the right – be damned!!!

   What we have learned over the years of being Victims of Bullying via the Hard School of Knocks – Life Experience – is that the way to be victorious over the Bully Culture and the many wannabe Bully Cowards within it, is Mind over Matter | Brains over Brawn.

   So I used my head and came up with a plan to retrieve our money from Bank Hapoalim. It was a surprisingly simple plan.

   On August 9, 2015, we took a shuttle from the city of Karmiel to the city of Akko. We walked to an Akko branch of Bank Hapoalim located at 6 Ben Ami Street, Akko, Israel. We spoke to a bank teller named SHULAMIT TEEV. She told us she had to get approval from our branch of origin – the Karmiel branch – in order to release my husband’s pension check. Ah! Oh! But when she called over to our bank branch in Karmiel she requested to speak to someone who can approve our pending transaction. In other words, make sure that my husband’s pension check cleared the bank. That person told her we were approved to withdraw our money!!! I asked her what the name of this individual was as I was certain it had to be someone in the Private Banking Department or the Manager of the Karmiel branch at Bank Hapoalim. And of course, how can that be??? She said her name was HODU’A. We never ever met a Hodu’a during the entire time that we were patrons at Bank Hapoalim. Hence, we believe Hodu’a is some sort of auditor who works at Bank Hapoalim, but whose chain of command is other than the branch manager, Itzik Shoah. Thus, we believe that the Private Banking Department at the Karmiel Branch of Bank Hapoalim not only lied to us that my spouse's pension check had NOT cleared, but also deceived us that they had the authority to approve or deny its distribution.

   Next Shulamit Teev gave to us OUR MONEY in the amount of US$ 2,588.00 in American cash. [The bank when working with foreign currency does not deal in cents. So we left the 34 cents behind]. However, she did not deduct the commission Bank Hapoalim charges for foreign exchange transactions in the amount of 169 Israeli Shekel, which is equivalent to about US$ 42.00, from our US$ 2,588.00. Instead she made it into a debt that we owe the bank, by posting it into our joint checking account. Well, LaDeDa!!! For all of the trouble the conniving bully coward manager of the Karmiel branch of Bank Hapoalim named ITZIK SHOAH enacted against us for no reason, of course we decided to give him a taste of his own medicine by not paying it. Anyway, it cost us a round trip ticket of 52 Israeli Shekels, which is equivalent to US$ 13.00, to go together from the city of Karmiel to the city of Akko and back again to the city of Karmiel in order to extract our money from our joint checking account. Thanks to Shulamet Teev our trip cost us nothing.

If the reader is interested in viewing the paperwork showing that we retrieved the money from my husband’s pension check from our joint checking account then please go to hyperlink Bank Hapoalim Akko Branch at www.bullcrapbusters.com.

If the reader is interested in viewing the paperwork showing that my husband’s pension check was taken out of our joint checking account then please go to hyperlink Bank Hapoalim Karmiel Branch I at www.bullcrapbusters.com.

If the reader is interested in viewing the paperwork showing that Bank Hapoalim’s commission was charged to our joint checking account then please go to hyperlink Bank Hapoalim Karmiel Branch II at www.bullcrapbusters.com.

***

   My plan worked for us so we believe it will work for you, too. A word of caution though: In order to implement it you have to remember one thing, you have to execute it IMMEDIATELY or it may very well fail. Why? Because if you wait to go to another branch, the branch manager may notify all of the branches in the area not to service you. We learned that this is so from a bank located in Auburn, Washington, U.S.A., called US Bank.

   We had an Individual Retirement Account (IRA) in a three-month Certificate of Deposit (CD) at US Bank. We told the assistant manager named Pratiti M. Vora that we decided to withdraw all our money from the bank. She asked why. I told her because US Bank had lousy customer service. But when we requested a wire transfer of it from US Bank to Sterling Bank (our new bank) she ignored the correspondence and pretended like she never ever got it. We only had a ten-day grace period to do anything with our CD account. But we had waited in expectation that Sterling Bank already had possession of our money. When we found out this was not so, most of the grace period had already expired. We only had one grace period day left to get our business done.

   Our delay to act upon withdrawing our IRA gave Pratiti M. Vora the opportunity to notify all of the branches of US Bank in the area not to service us. When we went to them they all refused to honor our request to remove our money from US Bank. Instead they lied to us that we had to go to our branch of origin to do so. Never mind that according to US Bank’s own policy we had a right to go to any of its branches to close out our bank account with US Bank.

   So we went back to our original branch where Pratiti M. Vora was. She did her best to stop us from closing our IRA account. She tried being verbally abusive towards us in the hope that we might start yelling at her or calling her names so she can call the police to have us thrown out of the bank. It didn’t work. I calmly sassed her back. Then she messed up the paperwork permitting us to take out our IRA money and insisted I sign it. I refused telling her it was a legal document and had to be done correctly for me to sign it. She begrudgingly fixed the paperwork. After that she lied to us that we were not allowed to withdraw our IRA money for we had not yet paid taxes on it. We thwarted her by letting her know we were going to hand carrying our IRA money to Sterling Bank, which by LAW we were permitted to do within a sixty day period without getting any tax penalty for it. End result we walked out of Pratiti M. Vora's U.S. Bank with OUR MONEY in the amount of US$
179,711.52 [See the BullCrap Busters website in the web page named “The Corporate Elite Bully” in the section entitled “Consumer Rights” in the segment called “US Bank” for further details].

   Recently the Karmiel Branch of Bank Hapoalim moved to 6 HaGalil Street, Karmiel, Israel. It is now located in a new building, which is one third smaller in size than its old building on 2 HaGalil Street, Karmiel, Israel. Why is the Karmiel Branch of Bank Hapoalim in a smaller building? Did the Karmiel Branch of Bank Hapoalim lose one third of their depositors?

   I sent an e-mail about the Karmiel branch of Bank Hapoalim to the Mayor of the town of Karmiel in the country of Israel whose name is Adi Eldar.

If the reader is interested in viewing the e-mail sent to the Mayor then please go to Mayor Adi Eldar at www.bullcrapbusters.com.

   The Mayor never ever replied to my e-mail.

   According to an Internet article we read called "Death Throes for Karmiel?" the town of Karmiel is dying.

​If the reader is interested in viewing the Internet Article then please go to Death Throes for Karmiel at www.bullcrapbusters.com.

   Our hard school of knocks life experience is demonstrating to us that the town of Karmiel, God's Vineyard as it is called in Hebrew, is dying due to the fact that many of the inhabitants whom we met lack humane morals and business ethics.