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!

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)