Anna White Ferraraccio’s Post
November 29, 2024
I am a victim of Discrimination and Election Interference Victim perpetrated by New Peoples Bank and am requesting immediate legal help.
Governor Elect, Patrick Morrisy
Senator Elect, Jim Justice
Secretary Elect, Kris Warner
Attorney General Elect, John “JB” McCuskey
My Story
What happened to me violated my constitutional rights and I am requesting help from your offices. I was a victim of Discrimination by New Peoples Bank, and it rises to Election Interference because they specifically discriminated against me because I am a democrat.
Deb McCarthy, chairman of the Democratic Committee in Mercer County, contacted me in February and asked if she could put my name on the ballot. After I stopped laughing, she went on to say, “You have no chance of winning, and you don’t have to do anything. There are blank places on the ballot, and we just want to put names on there in case people want a choice.”
I didn’t really do anything, but to the 1849 people who voted for me, thank you from the bottom of my heart. If you are reading this, it’s probably the first time you have ever heard of me, but it won’t’ be the last.
My Story
I have been a customer of New Peoples Bank for over 12 years. My business accounts deposited well over 7 million, and I had credit card processing through them, and ran all my business transactions through the bank. I never had any problems and was a happy customer.
What happened to me was unimaginable. This led me to file complaints and lawsuits against NPB for discrimination, specifically because I am a democrat who ran for election and possibly because I am not a MAGA evangelical Christian, and they wanted to punish me for that “sin.”
I have had many commercial loans through New Peoples Bank, and I never had any problem getting a loan. They were all for commercial construction loans using my property as collateral.
I told my loan officer, Jamie Kidd, that I wanted to start a loan for cash flow to finish my hotel and renovations that were planned for July 1-3, 2024, in February, of this year. To make a long story short, she told me that my loan was approved in May, and I went forward with my plans. Then, she backtracked and told me that it wasn’t really approved but not to worry, it was just paperwork and needed a signature. BTW, I can prove every single thing in this post by copies of emails, text and voice mails.
OK. How long could it possibly take to get a signature?
By June, I was getting desperate and was in constant contact with Jami Kidd, Mori Williams, her boss, and had even reached out to JW Keiser, the President of New Peoples Bank.
I realized that the two “relationship bankers” that I had to deal with were lying to me on purpose and it just did not make any sense. Why would a bank deliberately try and destroy their own customer? I could not wrap my head around this fact, and it was not until September that I figured out what was going on.
I got a letter from William Winfrey, the banks’ attorney, stating that I was not allowed back inside the bank because my outbursts caused stress on the employees and was embarrassing to the customers inside the bank.” “I could do my business through the drive through.”
The problem with that story is that it is a complete lie. I signed my loan documents on July 29, and I have never stepped foot back inside that bank again. The only outburst I had was text messages where I called Jami Kidd and Mori Williams out on their lies.
When I got this letter in August, I went back through my emails, texts and transcribed voicemail and recorded conversations on my phone. That’s when I figured out that they did this specifically because I put my name on the ballot for West Virginia House of Delegates, District 41. New Peoples Bank had to help me with this, and it took them several weeks to open up my campaign finance account because apparently there were a lot of steps, I had to have a new tax ID number, and a dedicated treasurer that needed to give them her driver’s license, and every month we both get an encrypted email from this account, “Elect Anna White Ferraraccio!”
When I figured out why they lied to me and deliberately tried to destroy me and my small business, I sent them emails and text (with a lot of emotion) calling them out on their lies and told them that this was a case of Election Interference, not just Discrimination.
Bill Winfrey followed up with another letter, again, with a huge lie. He said, “Apparently you are running for something in Summers County, but unless you told an employee of the bank, nobody knows that you are running so you can’t claim election interference.”
So, the statement in his letter was clearly a lie. The first letter he sent said I was not allowed to speak to anyone at the bank but him, and I have been to his office in person, and left, so far, 4 detailed voice mails asking him to call me back.
He has never returned my calls once.
On June 28, I went into my loan officer’s office, Jamie Kidd, and told her she was either the most incompetent person on the planet, or she was doing this on purpose, and that I was not going to waste one more second of my time working with her. I told her in no uncertain terms that I wanted my account transferred to her boss, Mori Williams. She agreed and I wanted nothing to do with her after that date.
On Monday, July 1, I went to see Mori Williams with my dad. Mori stated that he had looked over the paperwork and read all the text messages between Jami and I and that there was no problem with my loan. “We will get that processed.” Then he asked me if I had any other concerns. I said that I had contractors to pay who were doing the planned work and I needed to pay them, and could I get a portion of my loan deposited, $50,000, since my loan was approved, apparently just needed a signature. He said no.
At that exact time, I was doing a 72-hour, total renovation of every building on my property. On July 31, Sunday, all the guests checked out of their chalets, all the furniture was disposed of, and Monday, July 1, painters were hired to paint all the chalets inside and out, all the maintenance issues were resolved, and July 2, Larry from Schwells Department Store in Princeton arrived and it took them 8 hours to unload the truck, as every chalet was restocked with brand new furniture. We also replaced most of the appliances, refrigerators, dishwashers, washers, driers, mini-splits and repaired all the plumbing, electrical and carpentry issues that had been left undone for two years because I was finishing building a brand-new hotel at the same time. On Thursday, July 4, all our regular guests that come every year checked into brand new chalets. A job like this takes enormous planning.
I’m being specific here because this was what my loan was for, in addition to finishing my hotel. The bank had the exact names of the contractors I was working with, Josh Gooch did my paving, Gregg Shepard fabricated my windows, and there were many more, that they bank new by name, by amount of their invoice and they KNEW that this was affecting not just me, but others as well.
At this point, literally every check that I wrote bounced, and later, the bank agreed they were complicit in the delay and offered me a settlement to cover half of the check fees, but it was too late to not cause many problems with not just me and my staff, but all the contractors too. If they read this and want to comment, they can, because they all read all the email and text message lies that went on for months.
By the END of July, I had Still not received the loan that they assured me was approved.
How would you feel if your bank, that you trusted, did that do you? I was very emotional.
The stress on me and my family affected my dad the most. He is a Korean War veteran, 91, and lives with me on my property. He ended up in the hospital six times and had emergency heart surgery. He said, “I don’t know how much more of this I can take.” The bank KNEW that this was affecting him too, but they just didn’t care.
They were bent on trying to destroy me and my business. If you look up New Peoples Bank online, or see any of their branches, they have a logo that states, Banking by the Golden Rule. If you look up Christianity.com, this is what means:
What is the Golden Rule? – Biblical Meaning, The Golden Rule is the ethical principle of treating other people as one’s self would prefer to be treated.
I bring this to your attention, because this bank is founded and owned by evangelical Baptist preachers, and yet, they have zero problem lying to their own customers. I think they may need some retraining in their core principles.
One last example (of many!) is a lie that is straight from Mori Williams, the vice president of four branches, and was who my account was transferred to on July 29. I went to his office on Monday July 1, and Wednesday, July 3. I was desperate and actually in tears BOTH times and my dad had to drive with me because I was so upset about how I was being treated.
Mori Williams, my loan officer that I trusted, never spoke to me again. On August 14 (this was the “outburst” that precipitated the letter from the attorney, Bill Winfrey), I sent Mori Williams and Jamie Kidd a text and told them that as my assigned loan officer, he had never once communicated with me or responded to any text, emails or emails. At all.
He responded by saying, “I have never been your loan officer, Jami is… “another lie. I have all these texts, and they are just so full of lies, over and over. You would think that you could trust your bank loan officers, especially ones that are supposedly grounded in Christian principles.
I know that we all have problems sometimes, and mine is a strange one, but if they can do this to me, I promise you, they can do this to you, or any other small business owner.
I’m asking for an apology from JW Kieser for ignoring my four calls (I spoke at length to his assistant Crystal), relief from not “half” of the bounced check fees, but ALL of them, and some sort of stiff financial penalty that makes sure that the bank will think twice before assaulting another customer again.
Sincerely,
Anna White Ferraraccio
CEO of Pipestem Spa and Event Center
PS – Sad Fact -Every single person that I mentioned in this letter, including the attorney, has been a frequent client of my services and my business. They absolutely know who I am and everything about my business. They did this on purpose, because I am a Democrat.
PSS – I am not the only one they have done this to. Ms. Trigiani sued them, stating that she was discriminated as an employee, stating that working at New Peoples Bank was like being in a cult and you were punished if you weren’t Christian enough.