Why Your Bank Sucks

45 EpisodesProduced by James BacaWebsite

Host James Baca takes you into the seedy and greedy world of big-time branch banking with Why Your Bank Sucks. From poor management to monthly fees, Why Your Bank Sucks will get into the crevices of every topic you ever wanted to know about the place that holds your money (all while paying you 1 ce… read more

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

August 20th, 2019


 @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 …

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

August 16th, 2019


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 …

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

August 11th, 2019


 I have been off a week, thinking about the tragedies in my home area of El Paso and of course Dayton, OH

But I come back with 2 great stories!

Learn about how my anniversary trip to Ruidoso, NM (Pop. 7700) showed me …

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

August 5th, 2019


 Our minds are with the city of El Paso, TX after this weekend's tragic events. I know the town is resilient, and we will be thinking about them often.
To begin, I discuss how I was feet from that Walmart last week, and …

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!

August 1st, 2019


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 …

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

July 26th, 2019


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 …

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

July 22nd, 2019


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 …

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

July 20th, 2019


  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: …

Divorces, Single Parents, & Banking

July 15th, 2019


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 …

James & His Personal Debit Card Hell

July 10th, 2019


I have have 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 …

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

July 4th, 2019


 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 …

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

June 28th, 2019


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 …

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

June 24th, 2019


Brian Moynihan was channeling his inner Dr. Cocteau last week when he announced at a conference that eventually he would like a "cashless society". …

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

June 19th, 2019


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 …

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

June 15th, 2019


 Today's Topic:

"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 …

Bank Fail Pod #4: Chase Interrupts Millennials to Inform Them that Finn by Chase is Shutting Down! (No One Cares)

June 12th, 2019


 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 …

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

June 8th, 2019


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 …

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

June 5th, 2019


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 …

Listener Emails Answered!!!

June 1st, 2019


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 …

A Little Bit of Erica By My Side: Can You Celebrate When 1 in 10 Adopt Something?

May 29th, 2019


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 …

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

May 24th, 2019


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 …

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

May 20th, 2019


Today we touch upon the interesting subject of being introduced to credit cards.

I discuss how my grandma overspending in the last 1980s was my first introduction to credit cards, and how her use shaped my life going …

Mental Health & Banks Part 2 - What Drives Us Crazier...

May 16th, 2019


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 …

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

May 14th, 2019


Paul leads off our Bank Screwed US VM line with an interesting story of how he has one credit card, 2 different numbers and 2 different balances, and …

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

May 10th, 2019


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."

Although it's not …

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

May 6th, 2019


May 3rd was the 1 year anniversary of me meeting the client that ultimately got me fired last August. Bank of America makes $28.1 Billion Last Year …

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

May 3rd, 2019


Serious Topic:

May is National Mental Health Awareness month, and I have been excited to talk about the topic of mental health on this podcast. I will discuss my own battles with depression, stress, binge drinking, and …

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

April 26th, 2019


OMG, I am doing a main topic not on Bank of America?!?!?! Hell has frozen over.

This podcast will delve into one of the more popular credit cards,

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

April 23rd, 2019



We hear from my friend Luis on the VM line talking about his 2x bad experience at Bank of America

Plus you get my commentary on BofA's record 1q earnings, and also I briefly touch base on the congresssional hearing …

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 15th, 2019


THE DEBUT OF OUR Bank Screwed US Voicemail Line where we have 3 callers share their experiences with Bank of America, and I provide insight into what's happening, and how I fixed it or at least helped out.


Bank of America Raises Minimum Wage to $20

April 9th, 2019


Bank of America announces that it will pay a $20 minimum wage. Sounds good right? Even I can't think that's bad...Right?

Haha Yes, I can. Not for reasons why you think.



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

April 8th, 2019


So the solution to making the bank modern is to not have your butt hurt on a lumpy couch or chair apparently.

Bank of America's Press Release on …

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

April 2nd, 2019


So... Bank of America decided to give away $5 Billion of its own money today to the same people it doesn't want in its bank anymore so they can buy a house? Sounds legit.

Bank of America, the same company who bought …

How Bank of America Treats Older People

April 1st, 2019


 Don't you immediately think of older folks when you walk into a bank?I do. As a former banker, older clients were about half the people I saw in a …

Apple Card - Why Bank of America and Wells Fargo SHOULD be Scared!!!!

March 25th, 2019


Apple is now more than a technology company. They are now in the banking industry with the launch of the Apple Card today. It's the next generation …

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

March 22nd, 2019



You have a savings account with about $2 in it?

It's because Bank of America probably sold you one you didn't need. Learn how that $2 account …

Wells Fargo Scandal - Relating it to my experience at Bank of America

March 11th, 2019


Wells Fargo's scandal in 2016 rocked the banking world.

Well..Everywhere except Bank of America where we would do that type of stuff all the time …

Bank of America Gives $100 Million Dollars Away To A Foundation, So Someone Else Can Decline A Loan

March 8th, 2019


How can Bank of America possibly give $100 Million away, and yet I still find a crappy thing about that? 


This host is 100 percent applauding the gesture and the great amount of money given to awesome female …

Bank Fail Pod - Bank of America's Nuevo Futuro Checking Account (2004)

March 6th, 2019


Ever want to see outright stereotyping of a race and culture?

Look at these pics of Bank of America Branded Maracas (Musical Instrument)

College Students (And How Banks Treat Them)

March 5th, 2019


 I got my job at Bank of America solely because I walked in to cash a financial aid check one day. I was treated with a little respect then. Now.... …

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

February 27th, 2019


Ever call 1-800-432-1000 with BofA for service, and you literally could bake a wedding cake in that time you waited? You and me both.

With a …

Rich People Get Rebranded - Bye, Merrill Lynch and US Trust

February 25th, 2019


 Bank of America decided to take Merrill Lynch to the back of the barn and put it out of its misery... At least the name that is.

In my latest podcast, I touch on the news that Bank of America is rebranding Merrill …

Bank of America Digital Mortgage Experience and How it Will Discriminate Against You

February 18th, 2019


 Want to buy a house, but hate that pesky talking to people thing?

Bank of America has a deal for you. It's digital mortgage experience will allow you to apply for your mortgage, lock in your rates, and do all the hard …

Cash Deposits Not Accepted!

December 5th, 2018


This is a newer problem at bigger banks. Banks, including Wells Fargo, BofA, and Chase no longer accept cash deposits from people who aren't on those accounts. So if Dad wants to put cash into son's account, dad is …

Bank of America's ATM Cash Debacle

December 1st, 2018


My very first episode of Why Your Bank Sucks is an interesting one. This past week, you may have seen a story on the news about a random Bank of America ATM in Houston mistakenly dispensing $100 bills, causing a …

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