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!

October 2, 2019

Wells Fargo Breaks Ground: Hires Old Man Bank Exec to be their CEO! (Sigh) + Bank of America Floods Your Earhole w/ Radio and Podcasts!


Wells Fargo names Charles Scharf as their CEO.
After months of debating whether they would think outside the box in hiring the next head honcho, which included token female applicant Cathy Bessant of Bank of America, Wells went with a man who was an "outsider" despite the fact he freaking ran VISA AND BANK OF NEW YORK. He must be like a TV rerun, if you haven't seen him, he's new to you.


September 26. 2019
I WAS HACKED: Why Your Bank Sucks Has $250 Stolen Using Paypal!!! (How Paypal Impressed Me and How Twitch Disgusted Me!!!)

Your Host James had his Paypal account hacked and over 200 Euros (yes, Euros) were stolen from him in a brazen attack. The money was taken to pay someone off on Twitch, the millennial version of crack this morning. 
Learn why my OCD Checking my email every twenty minutes paid off in spotting it!
Learn how Paypal surprised me with their fraud process compared to BofA (51 DAYS LESS OF A TIMEFRAME! HOLY CRAP!)
Why @TwitchSupport is no better than Zelle when it comes to accountability when crime is being committed on their end.
Learn how Paypal amazed me by getting stuff done in 9 short hours! I was impressed. Thanks for helping me Paypal. You don't suck (at the moment!)

September 21, 2019
We Rescued Another $2500 from Zelle!!! + BofA Under Fire For "Phony" Unauthorized Accounts! Watch Me Defend Them (What?!?)

Why Your Bank Sucks and Our Vigilante Customer Service has "Rescued" over $130k since April 1!!!!
We discuss how I rescued $2500 from Zelle for a customer in just one evening. Customer never heard of Zelle....Account hacked, and Bank of America didn't give them credit for the fraud claim. Bank of America asked this person for a "virus report" on their computer, which ended up being a 51 FREAKING PAGE FAX!!!
With a little firm talk online, Why Your Bank Sucks helped recover that money. Hear the whole story!
Plus I discuss a news story that hit the financial world. Bank of America is under investigation from the CFPB for "Phony Accounts"... Learn why I hate the phrase, and that it was "Unauthorized Accounts"
Also, I discuss the time frame, 2014, which it allegedly happen, and yes, I even defend Bank of America on how they would have handled that in 2014, although the fact they are fighting releasing info on their processes, and lawyering up makes them seem more guilty than they are. Learn about my suspicions on who oversold and created unauthorized accounts... Guess? No, not me. I almost got fired for poor sales in 2014!

September 16, 2019
BBQ & Corporate Downsizing: My Meeting with a Bank Exec + Bank of America Hates Your Grandma and Her Jitterbug Phone: Text Banking is Gone!

We celebrate 1300 Followers with a funny story.
The home opener for college football in my town gave me a flashback with a Bank of America Exec who I met at an Awards Banquet that was being held for us that they conveniently scheduled during my work hours. He used a story about him learning how to BBQ correctly which led me to a one-on-one interaction that I thought would lead to at least a connection with a higher up. A second meeting with same exec happened a few months later, and his fake smile told me something was up. Learn how his BBQ Wisdom couldn't save my branch and how that same smile told me that all my hard work meant nothing to Bank of America.
 Plus, BofA decided to take away a thing that is used by old people who are trying to use technology, but are not all in with online and mobile banking. Bank of America ends Text banking, where you can text "bal" and "hist" and learn a lot about your account without putting you at risk for a compromise.

September 10, 2019
Prescilla, Queen of the Fraud Claim - Why Your Bank Sucks Rescues $1,000 from Bank of America for a New Mexico Customer!

Fun podcast today, as I discuss the Liberation...the "Rescuing" of money that Bank of America nearly stole from Prescilla, a person from my neck of the woods in central NM. With her card duplicated, crooks used her card to steal nearly $1,000 in goods from Smith's Grocery Store in Albuquerque, NM while she was nearly an hour away, card in hand. Our mutual friend Dorella connected us on Social Media, and James for Why Your Bank Sucks was on a mission to get her money back.
Learn how text alerts for fraud don't really work, as several transactions still went through.
Learn how customers trust too much in how banks handle fraud these days.
You will also hear a tangent I have about listening to friends about your bad bank experience, and how it can impact how you deal with it.
You will learn some insight as to how I  use all the data given to me to help my clients escalate to the very top of BANK OF AMERICA. Plus you will learn about how execs see fraud transactions more logically than the actual fraud department.
It is a fun 40 min story about how I helped someone I kinda know with a bank problem I know far too much about. It was truly a blast. WHY YOUR BANK SUCKS HAS NOW LIBERATED $120,000.00 SINCE APRIL 1 FROM BIG BANKS.

September 6, 2019
Bank of America Freezes Accounts of Customers with 5 Simple Words: Do You Hold Dual Citizenship? + Farewell, Virtual Credit Cards... On To Something Less Safe!

Why Your Bank Sucks went viral this week. Quarter of a million tweet impressions in 48 hours, because of a retweet by the Congressional Hispanic Caucus about a Sacramento Bee story which detailed customers getting accounts frozen for not answering a contoversial question. The question is: Do you hold dual citizenship?
Twitter was up in arms, thinking it's a debate on immigrants. It's not. It's the bank's war on the poor people, at-risk people, clients that provide no value to Bank of America.
Learn how that question actually gets international customers and born and bred American customers to leave the bank for vastly different reasons. Hear me talk about that the warning to answer this question is sent in English to Spanish Speaking customers! I was there to see it. You will also find out it is a way of getting another at-risk group out of Bank of America, the elderly. Learn how system changes in the bank wipe out data and lead to older folks with decades long relationships to be alienated by the bank by them asking a question they should know the answer to, which is...Who are you?


September 1, 2019
Bank of America Screws Topeka, KS 2 Times in One Week + Trespassing at Zelle and more in Phoenix!!!

Today's podcast is a US Tour for how Bank of America and Zelle screw over so many clients.
First up, An amazing story out of the state capital of Kansas, Topeka. Bank of America announced in May that it was closing the 3 branches there effective August 27th. Bank of America's propaganda press release stated that one of the reasons they were closing was that people were doing so many more mobile deposits and deposits at the ATM. 
So what if I told you the week that Bank of America closed it's doors in Topeka that under the cover of darkness, they removed the freaking deposit ATMs as well, leaving only one-trick-pony ATMs that only withdraw cash?
Is Bank of America so cheap that it can't pay a couple extra bucks to have someone pull the deposits from the ATM one time a week and take them 24 miles away to Lawrence, KS? (Spoiler: Yes)
Learn how this story was told to me by 4 people on Twitter as I headed on my vacation this weekend!


August 28, 2019
Employee Training in Banking (Or the lack thereof...) How Poor Training Leads to Bad Experiences.

I learned all I needed to know about being a teller at Bank of America by reading a 20 year old binder of procedures and watching a tape that discussed Bank Robbery Protocol on a 19" TV/VCR Combo.
Actually I learned nothing.
In today's podcast, learn about my experiences training for my jobs at Bank of America and learn how I was thrown on the teller line, expecting to know everything after three days in a boiler room in December with old resources. Learn how through trial and a hell of a lot of error, I survived. You will also hear how Bank of America restricting internet at the branch made me smarter, because I "Goofed off" by reading their policy and procedure manual, all 10000 pages, up and down on my downtime.
You will also hear about the best training I ever had at Bank of America in Dallas. Learn how Bank of America paid $1400 for an in-state flight, but couldn't get me a rental car to drive to my training, causing me to walk on a busy Dallas Highway in 2012. Learn about my experience with in-house classroom banker training, and how I feel it was the best thing I ever did at BofA, because it gave me superpowers of selling and confidence. Learn how that stopped with my class, and bankers, tellers, and managers from here on are now training in the same place they eat their cold lunches in a glorified chat room where a "Teacher" spends more time asking what your favorite colors are than actually helping.

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.




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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.