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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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!


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!!!!!


June 12, 2019

Bank Fail Pod #4: Chase Interrupts Fortnite Matches Around the US to Inform Millennials that Finn by Chase is Shutting Down!!!

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 ATM's. Emoji (WTF?!?) used to help manage your money. Sounds neat-o, cool kids....

Then they realized only 47,000 people signed up for it, a lot of them mainly for the $100 bonus they were offering. To put into perspective, BofA has about 65,000,000 clients. Wow. What a bomb.


June 8, 2019

I Hate Zelle, Part 1 (Anthony's Song)

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 support that Banks have for fraudulent activity that happens to their clients using Zelle, citing their non-association (omg) to the third party application THATS EMBEDDED AND PROMINENTLY Advertised in their app and all their banks!!!!

Our voicemail caller Anthony, shares his ordeal, and how Host James Baca found a way to rescue his money from Zelle Hell(e). Also, how do I equate Zelle to the rise of the adult movie industry? What? James you are crazy.

It's a good listen about a bad product.



June 5, 2019
Gym Gains = Bad Bank Service? Plus... We Rescued More Money for a Customer!

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, as an avid gym-goer myself, always saw the negative experience that both gyms and banks provided when an issue occured.

Plus we have two voicemails. One from old Friend Sean White and one from Porscha, who allowed us to help her with our vigilante customer service which allowed us to RESCUE $645 from Bank of America for her.. Learn how on today's show.


June 1, 2019
Listener Emails Answered!!!

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 banks for my listeners.

I also announce the launch of my PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. For a little more money, you will get a lot of free swag from me 🙂


Plus, a listener asked me for a brief bio, which I give

May 29, 2019
A Little Bit of Erica By My Side - Bank of America Celebrates that Erica Only Helps 1 in 10 People!

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 tool that will eventually replace customer service. You will also learn that a lot of people over 40 are not adopting it, which causes the long lines and poor service at understaffed branches. You will also hear how "insightful" Erica is about your money, and learn how 37 million people have mobile banking, yet 27 million use it. Those 10 million people... Hmm..Something unethical happened!


May 24, 2019
Death and Banking - Preparing For The End and Handling the Bank's Efforts to Have You Suffer More

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 discuss how an observation in my grandmother's house the final time I saw her brought on memories of how my former company, Bank of America handled deceased customers account.


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James Baca
Host, Why Your Bank Sucks
About Me

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)

Click Here to Visit The Banker Dude (Will open in new tab)

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.