Why Your Bank Sucks

Why Your Bank Sucks

anchor.fm/whyyourbanksucks
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 podcast Support this podcast: https://anchor.fm/whyyourbanksucks/support


Breaking Down the Amazing Wells Fargo NY Times Article by Emily Flitter - My Take on a Piece of Brilliant Journalism
Aug 20 • 78 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 • 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 • 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, GoFundMe and Banks Role During a Difficult Time
Aug 5 • 69 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 • 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 • 99 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 • 79 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 • 66 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 • 63 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 • 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 • 48 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 • 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 • 73 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 • 54 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 • 60 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 • 50 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 • 52 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 • 51 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 • 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 • 51 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 • 58 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 • 53 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 • 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 • 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 • 51 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 • 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 • 52 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 • 63 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 • 32 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 • 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 • 50 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 • 47 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 • 65 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 • 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 • 42 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 • 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 • 58 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 • 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 • 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 • 56 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 • 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 • 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 • 64 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…