Why Your Bank Sucks

Why Your Bank Sucks

twitter.com/BankBetterGuy
Host James Baca takes you into the seedy and greedy world of big-time branch banking with Why Your Bank Sucks. From poor management to monthly fees, Why Your Bank Sucks will get into the crevices of every topic you ever wanted to know about the place that holds your money (all while paying you 1 cent of interest). If profits are so high, why is morale so low with employees & clients? How is it that your branch can both oversell you products & find every way not to have you bank there at the exact same time? So many questions answered with this funny, controversial and informative


The Notorious Banker Rescues $7600 from Bank of America for “B” from Arizona!
May 22 • 70 min
Yours truly has done it again. The Notorious Banker has rescued $7600 from Bank of America for fraud committed on a customer. It was fraud which Bank of America did not want to refund despite overwhelming evidence proving it wasn’t him! I received a…
My Wife’s 30th Birthday: How I Oversold Her At Bank of America + Empty ATMs in Vegas and California - A Mailbag Podcast
May 15 • 46 min
I celebrate my beautiful wife’s 30th birthday on Tuesday with the story how my sales goals at Bank of America made me oversell a then college student Gabrielle with a checking account, which led into a credit card. That also led to my dreaded home loan…
The Notorious Banker: PPP Loan Champion + Bank of America Exec Sends The Most F**king Ridiculous Email to Customer
May 8 • 74 min
The Notorious Banker has helped 3 people get PPP Loans through Bank of America’s gauntlet this week. My sincere thanks to the following businesses who I helped get through the hard stuff and get these loans White Spider in Portland, OR Maine Academy of…
Taylor Made: The Notorious Banker Rescues $1200 from Zelle and Bank of America in Vegas, Baby!
May 2 • 71 min
Vigilante Customer Service Strikes Again. One of my most satisfying rescues ever. Yours Truly, The Notorious Banker RESCUES $1200 from Bank of America and Zelle and gives it back to Taylor in Vegas. This was a stressful one, but we got it done. Taylor…
They No Longer Want The (Regulation) D: Major Rule Change in Banking Affects a Lot of Bank Clients!
Apr 25 • 43 min
Woke up Friday Morning to a press release from the Federal Reserve that was Retweeted out by Notorious Banker Follower @kentumin which mentions the suspension, or at least the recommendation to suspend Regulation D, an 80+ year old rule that actually…
Discrimination, Firings, and Suicide: 3 Bank of America Small Business Issues I Witnessed Personally + It’s My 37th Birthday!
Apr 20 • 62 min
With the Paycheck Protection Program loan program in shambles and awaiting money for the next wave of loans, I reminisce about 3 different small business stories I witnessed in my 13 years of Bank of America employment. - How Bank of America seemed to…
Big Banks Give Payday Loan Style Refunds During Stimulus Deposts + More PPP BS
Apr 17 • 55 min
We had a record breaking week discussing all things stimulus checks. People waiting for a long time, people blaming the bank and people just waiting to catch up on their bills. One follower tweeted at me about a weird credit that came with his stimulus…
Stimulus Week - $1200 Never Made People So Crazy + I Rescued $2000 for Jennifer from Arizona!
Apr 13 • 57 min
Stimulus Checks are coming! $1200 is coming to all of you who are expecting it from the Coronavirus Economic Relief Learn how a STUPID TWEET from the IRS has made people insane on Twitter this weekend! Money doesn’t move on Saturday! I also give some big…
Poo Pooing the PPP - Small Businesses Everywhere Get Royally Hosed by Bank of America & Wells Fargo
Apr 7 • 68 min
What a crazy last 4 days! Thursday Night - Bank of America suddenly lists requirements for the Paycheck Protection Plan Loan (PPP) on its site, and they aren’t good. They require a longstanding “CREDIT” relationship with BofA on top of an account with…
My Relationship with Alcohol and Bank of America: A Personal Story
Apr 1 • 61 min
I decided on April Fool’s Day to tell the most personal story of my journey. Wanted to share it after a poll about people drinking on the job STUNNED me on my Twitter! My relationship with alcohol is a weird one. I never drank in high school or college,…
Ex Wells Fargo CEO Says Get Back to Work & Possibly Die + Bank of America Coronavirus (no) Relief?
Mar 27 • 70 min
Thanks for the 150 new followers @BankBetterGuy! I discuss a freaking insane news article from Business Insider that was shared with me by a follower (Thanks Jerry) about Ex Wells Fargo CEO Richard Kovacevich mentioning we need to “get back to work” in…
New Coronavirus Bank News (Hours, Sales & Bonuses) + I Rescue $5000 from Bank of America for Jessica
Mar 21 • 76 min
More CoronaVirus News from Bank of America and Chase. Both Banks gave “hazard pay” to it’s front facing associates. I was appreciative of the gesture, but at the same time skeptical of their claims. Bank of America and Chase Limit Hours, But yet they are…
Complaints from Employees and Customers About Coronavirus Concerns + A Leaked Memo
Mar 17 • 65 min
I went on a rant about Bank of America’s coronavirus gameplan. I have received several DMs from angry Bank of America EMPLOYEES (Not Just Customers) about the conditions in the financial centers, call centers, and other places. Some bank branches are told…
The Time I Almost Got Fired For Having Chubby Fingers (A True Story) + Coronavirus BS from Banks
Mar 13 • 56 min
I wanted to lighten the mood of all the CoronaVirus talk by talking about one of the 15 times Bank of America threatened to fire me. This story is 11 years old next week. I discuss how a random interaction with a stranger on a Thursday afternoon that took…
Bank of America Holds FEMA checks for Nashville Tornado Victims. What A Shock.
Mar 9 • 52 min
Just when I didn’t think Bank of America can stoop any lower… I got word from a friend of mine, Sebastian in tornado-riddled Tennessee about a radio talk show host named Phil Valentine who was talking to a caller who had their FEMA Emergency Disaster…
Yes, I did a Coronavirus Podcast…
Mar 3 • 48 min
Coronavirus is real, scary and has caused 9 deaths as of this podcast. I feel that it could be the biggest illness in a long while, or just more hype by an overactive social media. Only time will tell. However, banks are talking about it and people are…
Wells Fargo Settles For $3,000,000,000 and All I Got Was This Lousy — Nothing!!!
Feb 26 • 48 min
Wells Fargo made up for a decade and a half of treating it’s customers like crap and overselling accounts, and creating phony accounts to hit their sales goals by giving those customers absolutely nothing, and giving $3 Billion to rich people who invested…
My Bomb Threat Story at the Bank + Listener Q&A about Large Amounts of Money & Betty Boop (???)
Feb 21 • 59 min
Ever wondered how to get yelled at and nearly written up by your boss during the moments that a person on the phone called the bank claiming there was a bomb that was going to blow up the bank in five minutes? Well, have I got the story for you… Haha…
Pay Hundreds To Get Your Tax Refund Check Today, Bank Still Holds the Check 10 Days (Refund Anticipation Loans Suck) + BofA Sticks it to Venmo Users
Feb 15 • 55 min
Tax time was always important to me at the bank. It is one of the busiest new account times at the bank. So many people setting up bank accounts in anticipation of or after the receipt of their income tax check. One of the things that I saw in 13 years of…
My Visit Inside a Phoenix-Area Bank of America Branch. It Took Them 20 Seconds to Try to Get Me Out of There!!!
Feb 10 • 60 min
For the first time since 8-17-18, the day I got fired, I went into a Bank of America Branch. This one is in Tempe AZ, and boy, what an adventure it was. Going in to close out my accounts that were charging me $37/month, I decided to take care of business…
Non-Disclosure Agreements: Not Just For Harvey Weinstein Anymore! Bank of America’s Attempt to Shut You Up When Fraud Happens!
Feb 1 • 51 min
I think that this new rule I had never heard about is about me and The Notorious Banker Project, along with Why Your Bank Sucks and how I help people publicly fight back against BofA when they deny your fraud claim and claim to help An Awesome Story by…
My Favorite Kobe Bryant Story (Business Related) and How My Boss Got Mad At Me Because of College Football and Alabama (What?)
Jan 28 • 55 min
Today’s podcast is so different. I decided to share my favorite non-basketball Kobe Bryant story. I get criticized all the time for not seeming like I like big business and capitalism.. I love it, as long as it is responsibly done. Kobe Bryant passed away…
Wells Fargo CEO Fined $17.5 Million for Fake Account Scandal - Is it enough? Thoughts on INSANE OCC Report on Wells Corruption
Jan 23 • 58 min
https://www.occ.gov/news-issuances/news-releases/2020/nr-occ-2020-6.html Read the OCC Report on Wells Fargo Scandal. John Stumpf, Fresh off his $9 Million home purchase “his wife” made for them in Phoenix, got fined $17.5 million and banned from Banking.…
BofA CEO’s Insane Interview with Financial Times + Leaked Video Shows Bank of America Denying Black Customer Trying To Cash Check
Jan 21 • 79 min
I had to do this podcast due to the overwhelming DMs I got asking me my opinion on these two things. https://www.ft.com/content/a1a25664-38ff-11ea-a6d3-9a26f8c3cba4 https://finance.yahoo.com/news/bofa-bac-double-domestic-consumer-132001358.html CEO of…
Source: Bank of America to Make It That Much Harder to Deposit YOUR Check (Or Cash It) — Leak From A Current Pissed Off Banker
Jan 15 • 35 min
I have dozens of people who work for Bank of America filling me in on the ins and outs of what’s happening to impact the customers of the bank. I have Personal Bankers (RMs), Call Center employees, both BofA in-house and outsourced, one Financial Center…
Bank of America: “We Invite You to Use The Convenience of Our ATMs to Bank on Your Time….Unless You Are Black. If So, Then Please Do So By 6pm!”
Jan 10 • 66 min
Bank of America turns off ATMs at 6pm in black neighborhoods for what they describe as “safety reasons”…
Wells Fargo Execs FINALLY Facing Charges? (Yay!) + Adventures in Business Travel: Follies From My BofA Dallas Trip in 2012
Jan 6 • 55 min
Wells Fargo execs may be facing charges in the next several weeks. The fake account scandal is being discussed and people might be led away in handcuffs. I am excited! I discuss what it means to even just have a perp walk for these guys, and how I was…
I Don’t Like to Bank That Way, but $15 is $15: Bank Bribes Customers to Go Online + Year in Review & The Year Ahead in Bad Banking
Dec 31, 2019 • 45 min
Bank of America has a promotion the next couple of weeks where it will gift you $15 for using Zelle, Mobile Check Deposit and Online Bill Pay. Sounds good, right? Well, yes and no. Bribing you with money in order to get you out of their line is one thing,…
Bank of America Wants You to Know That They are Diverse and are Spending Millions to Prove It!
Dec 24, 2019 • 47 min
Such a unique story. I talk about a subject that can be uncomfy to talk about: Diversity and Banking. I never accused BofA of not hiring a diverse group. Hell, an Indonesian Woman and a woman from Mexico were my first bosses. I was always so proud of…
Questionable Write-Ups: Two “Fun” Stories of Getting in Trouble for Stuff Beyond Your Control — A Personal Story
Dec 16, 2019 • 46 min
How many write-ups did I have with Bank of America in 13 years? Probably 2 dozen. Although it sounds like I was a problem child, write-ups are done so often at Bank of America to hold down organic advancement based on performance, limit or eliminate…
John Stamos has the #PowerTo Sell Out: Banks Paying Celebs & Influencers for #ad posts on Twitter and It’s Helping…ME!!!
Dec 10, 2019 • 56 min
I am well aware that Bank of America and Wells Fargo knows about my project. How could they not? I have noticed a lot of weird things that Bank of America has done. They Started 4 Podcasts (I have 2) They sometimes proactively refund people before I fight…
How I Rescued Thousands from Bank of America for Sarah: A Story of a BROKEN Fraud Claims System & Vigilante Customer Service
Dec 4, 2019 • 54 min
I stumbled on a tweet from a person named Sarah in California on Black Friday. She was railing against the fraud department that told her their investigation of fraud and identity theft which happened across the country would take 60 business days! That’s…
Wells Fargo and their Opportunity (Checking) to Fleece At-Risk Clients. Congress is watching!
Nov 25, 2019 • 43 min
Phenomenal Article in the Washington Post about Wells Fargo receiving scrutiny for the accounts yet again. In today’s podcast, I discuss how I learned about the “Opportunity Checking” account as an employee of Bank of America, and how my homeless client…
How I Oversold You #1 (Role Play) - Single Mom Waitress - How She Walks Out with 4 Accounts She Didn’t Need
Nov 20, 2019 • 53 min
Note: This is not a real person. This is not real information for someone. This is a role play of a scenario that I would see as a banker at Bank of America. Tina Jones DOB 11-10-1986 1100 N. Main St Apt 1 Denver CO 80014 (303)555-5555…
Bank of America “Business Decisions” a former CFO of Paypal, Twitter Storm Hits Category 5
Nov 18, 2019 • 36 min
https://twitter.com/roelofbotha/status/1196234200665346048?s=20 Roelof Botha, A venture capitalist, a former CFO of Paypal, and all-around majorly successful businessman, the type Bank of America should want announces on Twitter that Bank of America…
Bank of America Raises Minimum Wage to $20/hr, Opens Up 4 Employee-less Branches in Houston. Really.
Nov 11, 2019 • 40 min
Bank of America, just one week after the massive outage to its system decided to create a diversion, and do two things: Give everyone a $1000 bonus, and raise their minimum wage to $20 a full year earlier than anticipated…2020. 20 in 2020, symmetry…
Bank Outage 2: Electric Boogaloo - Capital One and Bank of America’s Bad Week + Listener Email About Weirdest Fee Ever!
Nov 4, 2019 • 58 min
First off, celebration time as @BankScrewedUs on Twitter reached 1,500 followers on 11-3-19. Amazing and THANK YOU Today’s Podcast is about the huge bank outages that happened at Bank of America and Capital One last week, and how they handled or didn’t…
BofA: 1 in 6 Millennials has $100k Saved, and 5 in 6 Millennials Spend Too Much on White Claw
Oct 28, 2019 • 38 min
Bank of America commissioned a survey a couple years back that has to deal with millennials and banking. It was published Feb. 2018 and CNBC did a report on it. For reasons unknown, it went viral on Twitter last week, leading to one of Why Your Bank Sucks…
Bank of America System Outage - BofA Turns Their Customers Into Deadbeats and Why Your Bank Sucks Goes Worldwide!
Oct 22, 2019 • 22 min
Mark it down, October 22, 2019 at about 9am MT. Why Your Bank Sucks goes mainstream! LOL. Bank of America has a system outage impacting their phones, online banking, and worse enough, their debit card system, which is leaving people without their money…
Why Your Bank Sucks Rescues $21,000 from BofA for a follower + When Bank of America Divested from Small Town New Mexico
Oct 17, 2019 • 73 min
I’m back after Vegas and illness. Back to take on big banks BS. First, I talk about how our Vigilante Customer Service rescued $21,000 from Bank of America for a follower named Royce. Royce was a small business owner who had a great business going, until…
When Bank of America says “We Made a Business Decision” - 5 Words that Leads to Unbanking of Thousan
Oct 7, 2019 • 51 min
On vacation in Vegas so I bring you Part 1 of my 2 Part Special Podcasts: Bank of America will mysteriously close out accounts of clients it no longer wants, and when asked why, Bank of America will say the dreaded 5 word phrase, “We made a business…
Wells Fargo Breaks Ground: Hires Old Man Bank Exec to be their CEO! (Sigh) + Bank of America Floods Your Earhole w/ Radio and Podcasts!
Oct 2, 2019 • 49 min
Wells Fargo names Charles Scharf as their CEO. After months of debating whether they would think outside the box in hiring the next head honcho, which included token female applicant Cathy Bessant of Bank of America, Wells went with a man who was an…
I WAS HACKED: Why Your Bank Sucks Has $250 Stolen Using Paypal!!! (How Paypal Impressed Me and How Twitch Disgusted Me!!!)
Sep 26, 2019 • 53 min
Your Host James had his Paypal account hacked and over 200 Euros (yes, Euros) were stolen from him in a brazen attack. The money was taken to pay someone off on Twitch, the millennial version of crack this morning. Learn why my OCD Checking my email every…
We Rescued Another $2500 from Zelle!!! + BofA Under Fire For “Phony” Unauthorized Accounts! Watch Me Defend Them (What?!?)
Sep 21, 2019 • 49 min
Why Your Bank Sucks and Our Vigilante Customer Service has “Rescued” over $130k since April 1!!!! We discuss how I rescued $2500 from Zelle for a customer in just one evening. Customer never heard of Zelle….Account hacked, and Bank of America didn’t give…
BBQ & Corporate Downsizing: My Meeting with a Bank Exec + Bank of America Hates Your Grandma and Her Jitterbug Phone: Text Banking is Gone!
Sep 16, 2019 • 77 min
We celebrate 1300 Followers with a funny story. The home opener for college football in my town gave me a flashback with a Bank of America Exec who I met at an Awards Banquet that was being held for us that they conveniently scheduled during my work…
Prescilla, Queen of the Fraud Claim - Why Your Bank Sucks Rescues $1,000 from Bank of America for a New Mexico Customer!
Sep 10, 2019 • 60 min
Fun podcast today, as I discuss the Liberation…the “Rescuing” of money that Bank of America nearly stole from Prescilla, a person from my neck of the woods in central NM. With her card duplicated, crooks used her card to steal nearly $1,000 in goods from…
Bank of America Freezes Accounts of Customers with 5 Simple Words: Do You Hold Dual Citizenship? + Farewell, Virtual Credit Cards… On To Something Less Safe!
Sep 6, 2019 • 63 min
Why Your Bank Sucks went viral this week. Quarter of a million tweet impressions in 48 hours, because of a retweet by the Congressional Hispanic Caucus about a Sacramento Bee story which detailed customers getting accounts frozen for not answering a…
Bank of America Screws Topeka, KS 2 Times in One Week + Trespassing at Zelle and more in Phoenix!!!
Sep 2, 2019 • 53 min
Today’s podcast is a US Tour for how Bank of America and Zelle screw over so many clients. First up, An amazing story out of the state capital of Kansas, Topeka. Bank of America announced in May that it was closing the 3 branches there effective August…
Employee Training in Banking (Or the lack thereof…) How Poor Training Leads to Bad Experiences.
Aug 28, 2019 • 68 min
I learned all I needed to know about being a teller at Bank of America by reading a 20 year old binder of procedures and watching a tape that discussed Bank Robbery Protocol on a 19” TV/VCR Combo. Actually I learned nothing. In today’s podcast, learn…
I’m Applying to be the Next CEO of Wells Fargo - My Plan to Turn that Dump Around!
Aug 24, 2019 • 68 min
After reading an older article about how it’s nearly impossible for Wells Fargo to hire a CEO because of the issues it faces, coupled with the thought that whoever they pick, it would not be a long-lasting tenure because of said struggles, I came up with…
Breaking Down the Amazing Wells Fargo NY Times Article by Emily Flitter
Aug 20, 2019 • 77 min
@flitteronfraud on Twitter - Emily Flitter of the New York Times came out with an amazing Wells Fargo piece about supposed “Closed accounts” that were still getting fees charged to them, and it shook up Wells Fargo Twitter for a weekend. So much…
How I Recovered $4000 from Bank of America for a Fraud Victim, While BofA Fraud Claims did NOTHING!!! (Brian’s Song)
Aug 16, 2019 • 73 min
Why Your Bank Sucks has rescued $81,600 since April 1st from Bank of America and Wells Fargo. Unethical fees, extended holds and fraud claims are what we go after. Today’s podcast was probably my proudest moment so far. I recovered $4000+ from Bank of…
Cash is King in a Small Town, Despite What Banks Say + Limit 1 Per Customer? A Bank Screwed US Voicemail
Aug 11, 2019 • 53 min
I have been off a week, thinking about the tragedies in my home area of El Paso and of course Dayton, OH But I come back with 2 great stories! Learn about how my anniversary trip to Ruidoso, NM (Pop. 7700) showed me that despite what banks say about the…
El Paso Strong- Understanding Charitable Donations, and Gofundme During a Difficult Time
Aug 5, 2019 • 68 min
Our minds are with the city of El Paso, TX after this weekend’s tragic events. I know the town is resilient, and we will be thinking about them often. To begin, I discuss how I was feet from that Walmart last week, and I discuss another unfortunate mass…
We Closed Your Branch, But We Left ATMs in its Place! (SIKE!) BofA Ditches My Hometown AGAIN! + Brian Moynihan: Fair and (Un)Balanced on FOX!
Aug 1, 2019 • 73 min
Yours truly worked for 2 Branches in 13 years at Bank of America, and he’s seen his bank leave his hometown three times! (Huh?) Bank of America announces the closure of the machines that were so popular and successful according to them in my hometown of…
Iranian-Americans, Iranian Students, and Bank of America - How BofA Discriminates Against a Group of People + A Zelle VM
Jul 26, 2019 • 98 min
I worked in two college towns in my tenure at Bank of America, and one of my greatest joys was meeting all the new international students each semester. Students from all over the world would attend school in my hometowns and new friends were made.…
Bank of America CEO Brian Moynihan’s Interview on CNBC: Too Dull For Cable TV
Jul 22, 2019 • 78 min
Brian Moynihan, the CEO/Scarecrow of Bank of America showed up on CNBC’s Mad Money with Jim Cramer to discuss BofA’s record qtr. What I got was a 10 1/2 min interview that I was able to do an hour podcast on. This is part 1 of 2 media interview podcasts I…
Bank of America Made $7.3 Billion This Quarter, But Was Too Cheap to Buy a $2 Box of Rubber Bands For Us 5 Years Ago
Jul 20, 2019 • 65 min
Bank of America made $7.3 Billion, Wells Fargo made $6.2 Billion, and JP Morgan Chase made $9.7 Billion in the last three months. Cause to celebrate? Sure why not? It’s America and they are doing the America thing: Making Money. On today’s podcast, I…
Divorces, Single Parents, & Banking
Jul 15, 2019 • 62 min
Growing up poor and in a single parent household, I saw the financial struggles of how it’s hard to make it in this world. In this podcast, I share my experiences growing up, and how single parenthood and divorce really impacted my mom’s finances. This…
James & His Personal Debit Card Hell
Jul 10, 2019 • 57 min
I have have debit cards since they have been called “Check Cards”. They were my first conduit to banking, and now all these years later, the bane of my existence. Though I love my debit card, it has brought so much undue stress over the years. I recently…
Bank of America Takes A Stand Against Loaning to Private Prisons (Right After Loaning $90M) + Hungry, Hungry ATMs
Jul 4, 2019 • 47 min
Bank of America ticked off so many people on the conservative side when they were the last major bank to take a stand against Private Prisons that have been in the news lately with the immigration debate (No politics on this podcast) They promised not to…
A Notary Seal of (Dis)Approval - How Big Banks Blow Off Notary Service + Emails
Jun 28, 2019 • 56 min
Today’s Podcast discusses something I practiced against my wishes at Bank of America, and which is going on at branches across the land. The denial of a simple free service, notary public service, because it “diminishes sales opportunity”. Learn how I,…
Bank of America CEO Says He Wants “A Cashless Society” - He Must’ve Just Watched “Demolition Man”
Jun 24, 2019 • 72 min
Brian Moynihan was channeling his inner Dr. Cocteau last week when he announced at a conference that eventually he would like a “cashless society”. What happened after those comments were made was simply astounding. Crypto advocates saw it as BofA coming…
Crypto or GTFO: Facebook Currency? + How to go to Target Without Spending at least $100 - CC Outage at One of the Biggest Stores!
Jun 19, 2019 • 53 min
Opening mentions the rescue of another $3000 with Vigilante Customer Service!!! We take on Evil Zelle and Bank of America and win for Jessica and Aaron!! Facebook gets into crypto! The app known for sharing memes is about to embark on a journey to take on…
I Hate Zelle Part 2: NBC Reports What I’ve Told You For Months + A Flag Day Story + Listener Feedback
Jun 15, 2019 • 59 min
Today’s Topic: “Meet the new boss, same as the old boss” ZELLE! We talk about an NBC Nightly News Segment outlining fraud and Zelle… Things I have told you about for weeks and months! I play clips of the report, and give my honest feedback of it. Note:…
Bank Fail Pod #4: Chase Interrupts Millennials to Inform Them that Finn by Chase is Shutting Down! (No One Cares)
Jun 12, 2019 • 49 min
Less than a year ago, Chase decided to try to CON….(Cough)… convince millennials that they were cool by setting up a mobile app only bank account called Finn. Finn sounded like the kid with the drugs at a party. It was cool for a while. Access to a lot of…
I Hate Zelle, Part 1 (Anthony’s Song)
Jun 8, 2019 • 51 min
Part of my Podcast and Twitter Project has a goal: To get Zelle eliminated as a service option at all banks. It’s a scary, scammy way that banks concocted to have people transfer money person to person. Today’s podcast will mainly discuss the lack of…
Gym Gains = Bad Bank Service? Plus… We Rescued More Money for a Customer!
Jun 5, 2019 • 50 min
I discuss National “I hate my gym” day, which was this past June 1st as people from all over the country paid an annual fee that they were never told about for a gym membership at Planet Fitness. Learn how banks treat these “Recurring Payments” and how,…
Listener Emails Answered!!!
Jun 1, 2019 • 49 min
Today’s podcast is simple. 3 listeners emailed me with some questions, and I answer them about my project, Why Your Bank Sucks! Emails include a question about what I have dubbed “Vigilante Bank Customer Service”. I detail how I am rescuing money from big…
A Little Bit of Erica By My Side: Can You Celebrate When 1 in 10 Adopt Something?
May 29, 2019 • 50 min
Bank of America celebrates it’s virtual assistant, “Erica’s” one year anniversary by giving a bunch of stats to the general public. Although the stats show that it isn’t a success at all Learn in this podcast that only 10% of the customers at BofA use the…
Death and Banking - Preparing For The End and Handling the Bank’s Efforts to Have You Suffer More
May 24, 2019 • 57 min
Warning: This podcast has a lot to do with death and planning for death as it pertains to finances. Very sensitive subject. Today’s podcast was brought on by some personal loss. I lost my Grandmother 3 days ago, and a Great Uncle a couple weeks ago. I…
The Fresno Drop - How Bank of America Forced Credit Cards Down the Throat of a Small Town in 1958
May 20, 2019 • 52 min
Today we touch upon the interesting subject of being introduced to credit cards. I discuss how my grandma overspending in the last 1980s was my first introduction to credit cards, and how her use shaped my life going forward. Then, I discuss the most…
Mental Health & Banks Part 2 - What Drives Us Crazier…
May 16, 2019 • 62 min
Before we discuss Mental Health & Banks for a second time this Mental Health Awareness Month, Host James Baca talks about how he decided to start this podcast after his firing from BofA. James also is proud to announce the partnership with our friends…
The Bank Screwed US: 3 Customers Share Their Horrible Experiences + Win a Google Home Mini
May 13, 2019 • 57 min
Paul leads off our Bank Screwed US VM line with an interesting story of how he has one credit card, 2 different numbers and 2 different balances, and also how a BofA associate pleaded for a good review. Host James Baca will explain the credit card…
Wells Fargo LITERALLY Names Your Savings Account After Their Sales Goals & More Fees Will Be Charged + Teen Accounts for Adults + Google Home Mini Contest
May 10, 2019 • 50 min
Wells Fargo as of next month will officially become META. They will rename your basic savings account the “Goal Savings” as in.. “We make our quarterly sales GOAL offering you a GOAL Savings Account.” Although it’s not the most obvious changes, a little…
How I Got Fired from Bank of America for Less Than a 20pc Chicken McNuggets from McDonalds + Sean on Voicemail
May 6, 2019 • 65 min
May 3rd was the 1 year anniversary of me meeting the client that ultimately got me fired last August. Bank of America makes $28.1 Billion Last Year in PURE PROFIT, and I get fired for $4.95. How? Why? Where? Huh? Today I discuss how being short-staffed…
Mental Health and Banks - What Drives Us Crazy (In Honor of Mental Health Awareness Month) + Vegas Road Trip BofA Closure
May 2, 2019 • 51 min
Serious Topic: May is National Mental Health Awareness month, and I have been excited to talk about the topic of mental health on this podcast. I will discuss my own battles with depression, stress, binge drinking, and other issues that stemmed from my…
Citi Double Cash Card + Bank of America Leaving Downtown Phoenix? + BankScrewedUS Voicemail Line
Apr 26, 2019 • 62 min
OMG, I am doing a main topic not on Bank of America?!?!?! Hell has frozen over. This podcast will delve into one of the more popular credit cards, The Citi Double Cash Card. I will explain to you how it’s best feature will actually earn you no cash, and…
Bank of America Reports What They Earned in Q1 + Congressional Fun with Brian Moynihan + VM
Apr 23, 2019 • 31 min
We hear from my friend Luis on the VM line talking about his 2x bad experience at Bank of America Plus you get my commentary on BofA’s record 1q earnings, and also I briefly touch base on the congresssional hearing that CEO Brian Moynihan attended, and…
The Bank Screwed US Voicemail Line + Bank Fail Pod #3: Bank of America’s eBanking Account - Kicking You Out of The Branch Since 2010
Apr 15, 2019 • 57 min
THE DEBUT OF OUR Bank Screwed US Voicemail Line where we have 3 callers share their experiences with Bank of America, and I provide insight into what’s happening, and how I fixed it or at least helped out. LEAVE A VOICEMAIL WITH YOUR BANK OF AMERICA ISSUE…
Bank of America Raises Minimum Wage to $20
Apr 9, 2019 • 49 min
Bank of America announces that it will pay a $20 minimum wage. Sounds good right? Even I can’t think that’s bad…Right? Haha Yes, I can. Not for reasons why you think. PRESS RELEASE…
Modernizing The Bank: We Are Replacing Tellers with…. Couches and Wi-FI???
Apr 8, 2019 • 46 min
So the solution to making the bank modern is to not have your butt hurt on a lumpy couch or chair apparently. Bank of America’s Press Release on April 5th about the drive to modernize 2500 branches made me laugh and cringe, as you should as well. In…
Bank of America Commits $5 Billion to “Help” Low and Middle Income Home Buyers aka Countrywide Part 2, Electric Boogaloo
Apr 2, 2019 • 64 min
So… Bank of America decided to give away $5 Billion of its own money today to the same people it doesn’t want in its bank anymore so they can buy a house? Sounds legit. Bank of America, the same company who bought you Countrywide, which was the worst…
How Bank of America Treats Older People
Apr 1, 2019 • 63 min
Don’t you immediately think of older folks when you walk into a bank?I do. As a former banker, older clients were about half the people I saw in a given day. I loved talking to them and dealing with them. I wish the same could be said about Bank of…
Apple Card - Why Bank of America and Wells Fargo SHOULD be Scared!!!!
Mar 25, 2019 • 41 min
Apple is now more than a technology company. They are now in the banking industry with the launch of the Apple Card today. It’s the next generation of how people will use credit…unless bigger banks have their way Host James Baca reviews the key points of…
Keep The Change - An Effective Way to Make Money…For Bank of America! - Bank Fail Pod #2
Mar 22, 2019 • 38 min
So…. You have a savings account with about $2 in it? It’s because Bank of America probably sold you one you didn’t need. Learn how that $2 account can cost you hundreds even though you are “saving with every swipe of your card”! My second installment of…
Wells Fargo Scandal - Relating it to my experience at Bank of America
Mar 11, 2019 • 57 min
Wells Fargo’s scandal in 2016 rocked the banking world. Well..Everywhere except Bank of America where we would do that type of stuff all the time under the radar of Wells Fargo’s issues SALES PRESSURE, THE GOAL TO SELL EIGHT PRODUCTS TO EVERYONE, AND THE…
Bank of America Gives $100 Million Dollars Away To A Foundation, So Someone Else Can Decline A Loan
Mar 8, 2019 • 41 min
How can Bank of America possibly give $100 Million away, and yet I still find a crappy thing about that? HAHA I DO. This host is 100 percent applauding the gesture and the great amount of money given to awesome female entrepreneurs. BUT…. Listen to a 13…
Bank Fail Pod - Bank of America’s Nuevo Futuro Checking Account (2004)
Mar 6, 2019 • 35 min
Ever want to see outright stereotyping of a race and culture? Look at these pics of Bank of America Branded Maracas (Musical Instrument) https://imgur.com/mQvdZXQ https://imgur.com/DUDMYrn Bank of America came out with a horribly offensive account for…
College Students (And How Banks Treat Them)
Mar 5, 2019 • 55 min
I got my job at Bank of America solely because I walked in to cash a financial aid check one day. I was treated with a little respect then. Now…. Students are finding themselves in a love-hate relationship with a bank that really doesn’t want them On…
Why Does It Take So Long For You Guys To Answer The Phone? - Crappy Call Center Service Explained
Feb 27, 2019 • 45 min
Ever call 1-800-432-1000 with BofA for service, and you literally could bake a wedding cake in that time you waited? You and me both. With a conversation that started on Twitter with Twitter User aurora_nightly, I discuss the horrible wait times and…
Rich People Get Rebranded - Bye, Merrill Lynch and US Trust
Feb 25, 2019 • 48 min
Bank of America decided to take Merrill Lynch to the back of the barn and put it out of its misery… At least the name that is. In my latest podcast, I touch on the news that Bank of America is rebranding Merrill Lynch and US Trust and what that means to…
Bank of America Digital Mortgage Experience and How it Will Discriminate Against You
Feb 18, 2019 • 63 min
Want to buy a house, but hate that pesky talking to people thing? Bank of America has a deal for you. It’s digital mortgage experience will allow you to apply for your mortgage, lock in your rates, and do all the hard work yourself. Buying a $300,000…
Cash Deposits Not Accepted!
Dec 5, 2018 • 44 min
This is a newer problem at bigger banks. Banks, including Wells Fargo, BofA, and Chase no longer accept cash deposits from people who aren’t on those accounts. So if Dad wants to put cash into son’s account, dad is screwed! Find out why and learn that…
Bank of America’s ATM Cash Debacle
Dec 1, 2018 • 42 min
My very first episode of Why Your Bank Sucks is an interesting one. This past week, you may have seen a story on the news about a random Bank of America ATM in Houston mistakenly dispensing $100 bills, causing a commotion. A good laugh was had by all in…