Why Your Bank Sucks

This is the podcast that is dedicated to exposing corruption, unethical sales tactics, and insanely bad customer relations experiences within the consumer banking industry.


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Letter to NIAC in support of their letter to Bank of America





Here are the most recent episodes of the Why Your Bank Sucks Podcast. Please click on the Podcast Archive for a list of other available episodes or Subscribe on Apple Podcasts, Google Podcasts, Spotify, or wherever amazing podcasts are published!


August 24, 2019
I'm Applying to be the Next CEO of Wells Fargo - My Plan to Turn that Dump Around!

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 a plan.


August 19, 2019
Breaking Down the Amazing Wells Fargo NY Times Article by Emily Flitter - My Take on a Piece of Brilliant Journalism

@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 resentment came back, and for good reason.


August 16, 2019
How I Recovered $4000 from Bank of America for a Fraud Victim, While BofA Fraud Claims did NOTHING!!! (Brian's Song)

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 America to help Brian from Chicago, a victim of fraud who was being screwed by BofA. Identity stolen, his name, ss number and account were used in another state to cash over $4000 in checks while he was hard at work in Chicago. Bank of America denied his claim, stating it was him making the transaction.



August 11, 2019
Cash is King in a Small Town, Despite What Banks Say + Limit 1 Per Customer? A Bank Screwed US Voicemail

Learn about how my anniversary trip to Ruidoso, NM (Pop. 7700) showed me that despite what banks say about the world going cashless and digital, cash is king in a small town. From casino slot machines to food trucks, and even campgrounds, paper currency is still ruling the day. Listen on how a trip to Walmart for snacks at 9pm gave me a window into the world of cash vs card. It surprised even me.



August 5, 2019

El Paso Strong- Understanding Charitable Donations, GoFundMe and Banks Role During a Difficult Time

This podcast mainly is more about citizens understanding how to effectively contribute. So many people will create fundraisers or "charities" in the wake of this shooting, and Why Your Bank Sucks wants to tell you what to look out for.



July 31, 2019

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!

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 Las Cruces, NM.

Learn how I predicted that my clients would be fed the lies of "alternative ways of banking" taking over. How about a discussion of an abandonment of thousands of customers in a college town where it is 80% Hispanic and 50% in poverty? I have it here...with a heavy heart and a loud mouth


July 26, 2019
Iranian-Americans, Iranian Students, and Bank of America - How BofA Discriminates Against a Group of People + A Zelle VM

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. Iranian students were always regulars in my banks. Helping them as a teller all the way up to manager, I noticed Bank of America started treating this great clients, who had excellent deposit histories, and accounts with very few issues really harshly.

Account openings became epic, lasting over two hours, while I had to call a secret dept. within Bank of America to get "Approval" to open accounts for people with valid IDs. Random freezings and closings of their accounts, leading to times where money was not available and bills had to be paid.

How can a bank treat a group of people so bad? I worked there 13 years, and I don't even know. This podcast is a really serious one, spurred by a recent Twitter post of a letter from the NIAC (National Iranian American Council)

July 22, 2019
Bank of America CEO Brian Moynihan's Interview on CNBC: Too Dull For Cable TV

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 will do on Moynihan.

July 19, 2019
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

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 decide not to talk the technical aspects of the earnings report, I just reminisce with a few stories about how goddamn cheap Bank of America was during my tenure over there, nearly putting 2 eyes out over a matter of $2.

I discuss office supply cheapskated-ness along with depriving children of the one thing that silences them when going to the bank, all in the name of penny pinching.

I try to make my horrible experiences there a little entertaining for you.

July 15, 2019
Divorces, Single Parents, & Banking

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 includes a home loan that my mother got from.. Countrywide Home Loans, which became a subsidiary of Bank of America a dozen years ago. Learn how sub-prime loans took my mom's dream and foreclosed on it, all while I was working for Bank of America.

I also share what I applied to discussions with single parents and people divorcing/breaking up in my office as a banker for BofA. I discuss how I even took advantage of these "horrible life events" for the purposes of sales growth. I also share some interesting stories of what I saw personally between people that made me reevaluate how I banked as I got married.

July 10, 2019
James & His Personal Debit Card Hell

I have had 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 had to get my card replaced after 8 years of having the same number because of a BS charge (don't buy magazines), and it gave me flashbacks to 2011, when Bank of America decided it would be cool to charge $5/month for your debit card which already makes them money. It was a horrible to time to work at BofA, and even worse that I became a supervisor on that same day.

July 4, 2019
Bank of America Takes A Stand Against Loaning to Private Prisons (Right After Loaning $90M) + Hungry, Hungry ATMs

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 loan any money.....one week after they loaned $90 million that will essentially make them $1.7 Million in interest a year.

James Baca will tell you how it's possible to piss off both sides of the debate with the same action. BofA did it!

Plus, I go over an epidemic with ATMs accepting cash deposits without crediting clients. What's worse? BofA is declining these claims in droves. My vigilante customer service is working hard to figure out why this is. Learn about my theory in this podcast.

June 15, 2019

I Hate Zelle Part 2: NBC Reports What I've Told You For Months + A Flag Day Story + Listener Feedback

"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: They missed one GLARING thing about Zelle's sucky-ness! You will hear me yell(e)!!!

Before that, in honor of Flag Day this week, I discuss how a Twitter Follower reminded me of an incident at my branch with our American Flag and Flagpole that will upset a lot of people. (Blame Management)

Plus, I respond to an email who claimed that I must've sucked at my job to be complaining about banks all the time now. I respond (Spoiler Alert: He's not totally wrong.)
Tons of bank smack talking fun in this episode. Our mission: To destroy Zelle and get it out of our lives!!!!!


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James Baca
Host, Why Your Bank Sucks
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Past Episodes

Listen to the archives of one of the most controversial and hottest new financial podcasts, Why Your Bank Sucks with James Baca


THE BANKER DUDE (Launching Soon)

Podcast giving you Real Financial Advice for Real People.

Learn how to spend money more efficiently, yet not have to sacrifice. Learn about people with interesting jobs/hobbies, and how they budget. We will also have listener questions about how to make their financial lives better and more fun! (Contains Adult Content)

Why Your Bank Sucks Complaint Line (Voicemail)

 Hate your bank? Have a bad experience at the branch, on the phone, or on Twitter? Want to share it with the world? Call our Why Your Bank Sucks Complaint line at:

(575) 322-4127

 Call will go straight to voicemail. Leave your message, and your voicemail could be used in a future episode of Why Your Bank Sucks.