Podcast Archives

Here are the links to all of the previous podcasts we have published at Why Your Bank Sucks! Click on the episode you are interested in for a player with a podcast, as well as a description of the episode.

For easier access, please Subscribe to iTunes or Google Podcasts. Thanks so much for listening!

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 28, 2019

A Notary Seal of (Dis)Approval - How Big Banks Blow Off Notary Service + Emails

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, along with the bank as a whole found reasons to blow off those in need of a simple stamp, citing "things wrong with the document" and refusing to do it for anyone who didn't have an appointment. It's the most f-ed up thing for people who are agents for their state

June 24, 2019

Bank of America CEO Says He Wants "A Cashless Society" - He Must've Just Watched "Demolition Man"

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 to their side, and other news sources mentioned that cash is still king in a lot of places.

But did he really mean what he said? I think so, but not in the way you think. He wants us all to be Swedes... What?

People think he meant crypto, but he really meant... your kids piggy bank? Machines that shake pieces of paper to eliminate people shaking paper deposits? Surge pricing for illicit purchases or late night purchases? Declining what BofA THINKS you don't need?

June 19, 2019

Crypto or GTFO: Facebook Currency? + How to go to Target Without Spending at least $100 - CC Outage at One of the Biggest Stores!

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 Big Banks. With Partners like Visa, MC, Uber, and Paypal, Facebook looks to be more than a time suck. They want to be your financial institution. Learn why I think toothpaste when I think Libra, and also learn why I think since BofA and Wells aren't partners, they will target those who use their banks for Libra just like they do for Crypto.

Also learn about Saturday's Target CC Outage, and how it gave me PTSD Flashbacks of the 2013 breach!

Learn how closures of banks will lead to clients without debit cards for weeks when it's found out that this was more than a maintenance error! Learn why press releases mean nothing here.

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 ­čÖé


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.

May 20, 2019

The Fresno Drop - How Bank of America Forced Credit Cards Down the Throat of a Small Town in 1958

I discuss the most interesting Bank of America story I read in a long time. Did you know that Bank of America invented the credit card? Did you know that Bank of America sent 60,000 credit cards with today's equivalent of $4,000 on them to people who didn't want them, ask for them, or even knew they existed? Did you know they sent them to one small town in 1958 where people weren't as financially savvy as a big city would be? Did you know that although the initial project failed, it led to a world where we OWE BANKS NEARLY 1 TRILLION DOLLARS?


May 15, 2019
Mental Health & Banks Part 2 - What Drives Us Crazier...

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 @kasasa!


May 13, 2019

The Bank Screwed US: 3 Customers Share Their Horrible Experiences + Win a Google Home Mini

Hear the horrors of BofA from 3 customers from different walks of life!!
575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.


May 9, 2019

Wells Fargo LITERALLY Names Your Savings Account After Their Sales Goals & More Fees Will Be Charged + Teen Accounts for Adults + Google Home Mini Contest

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."

May 6, 2019

How I Got Fired from Bank of America for Less Than a 20pc Chicken McNuggets from McDonalds + Sean on Voicemail




May 2, 2019

Mental Health and Banks - What Drives Us Crazy (In Honor of Mental Health Awareness Month) + Vegas Road Trip BofA Closure


April 26, 2019

Citi Double Cash Card + Bank of America Leaving Downtown Phoenix? + BankScrewedUS Voicemail Line


April 23, 2019

Bank of America Reports What They Earned in Q1 + Congressional Fun with Brian Moynihan + VM



April 15, 2019

The Bank Screwed US Voicemail Line + Bank Fail Pod #3: Bank of America's eBanking Account - Kicking You Out of The Branch Since 2010


April 9, 2019

Bank of America Raises Minimum Wage to $20



Modernizing The Bank: We Are Replacing Tellers with Couches and Wi-FI???



Bank of America Commits $5 Billion to "Help" Low and Middle Income Home Buyers aka Countrywide Part 2, Electric Boogaloo



How Bank of America Treats Older People




Apple Card - Why Bank of America and Wells Fargo SHOULD be Scared!!!! (41:09)



Keep The Change - An Effective Way to Make Money...For Bank of America! - Bank Fail Pod #2 (37:24)


Wells Fargo Scandal - Relating It To My Experience at Bank of America (57:05)



Bank of America Gives $100 Million Dollars Away To A Foundation, So Someone Else Can Decline A Loan (40:23)



Bank Fail Pod - Bank of America's Nuevo Futuro Checking Account (34:20)



College Students (And How Banks Treat Them) (54:44)



Why Does It Take So Long For You Guys To Answer The Phone? - Crappy Call Center Service Explained (44:48)



Rich People Get Rebranded - Bye, Merrill Lynch and US Trust (47:16)