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Why Your Bank Sucks

Author: James Baca

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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 cent of interest).

If profits are so high, why is morale so low with employees & clients? How is it that your branch can both oversell you products & find every way not to have you bank there at the exact same time? So many questions answered with this funny, controversial and informative podcast Support this podcast: https://anchor.fm/whyyourbanksucks/support
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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.Controversial but necessary topic to have.P.S. Screw Countrywide for stealing my mom's home and wrecking her credit just to get an incentive. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksDonate to Why Your Bank Sucks on Cash App $TheBankerDude  Sponsors - James@WhyYourBankSucks.com  - Advertise your business with a growing, cutting edge podcast.575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money""Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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 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. https://www.reuters.com/article/us-bankofamerica-debit/bank-of-america-to-charge-debit-card-use-fee-idUSTRE78S4GQ20110929  (Announcing the fee September 29, 2011) https://www.nytimes.com/2011/11/02/business/bank-of-america-drops-plan-for-debit-card-fee.html (Wimping out and backing away weeks later)Learn about the backlash, and how BofA finally backtracked a few weeks later, but the damage was done, and how bank branches going away just means even more fees can happen like this in the future without old James to complain to!Plus, I walk you through my experience in getting a digital debit card from BofA while BofA is mailing me the permanent one. Weird and full of disclosures (11 pages worth) This is what will replace the temp card in most locations! It's garbage.Read more about that here! (Corporate Propaganda) https://newsroom.bankofamerica.com/press-releases/consumer-banking/bank-america-introduces-digital-debit-card A story I have wanted to tell, now I can :) Relive my debit card hell with me. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksDonate to Why Your Bank Sucks on Cash App $TheBankerDude  Sponsors - James@WhyYourBankSucks.com  - Advertise your business with a growing, cutting edge podcast.575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money""Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
 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.MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksDonate to Why Your Bank Sucks on Cash App $TheBankerDudeSponsors - James@WhyYourBankSucks.com  - Advertise your business with a growing, cutting edge podcast.575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money""Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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 statePlus a couple of emails about Why the phone is never answered and what I think is the "Mount Rushmore" of crappy departments at BofA.JAMES@WHYYOURBANKSUCKS.COM if you ever have a question or try our podcast voicemail line for questions and comments about big banks, 575-322-4127 MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksOur podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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?He who has the controls of Cashless Society can make the decisions. Your money is at stake, you should listen to this somewhat humorous perspective from someone who used to get bonuses for making you cashless!Be well and don't violate the verbal morality statute! (Demolition Man reference). Links belowYahoo article about Moynihan Comments https://finance.yahoo.com/news/bank-of-america-brian-moynihan-cashless-society-210717673.html Bitcoinist Article about comments (horribly slanted to be pro crypto propaganda) https://bitcoinist.com/ceo-of-bank-of-america-we-want-a-cashless-society/ Fortune article about comments with some interesting insight about where BofA is coming from http://fortune.com/2019/06/19/bank-of-america-ceo-cashless/  MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksOur podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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.Facebook Libra Story https://www.cnn.com/2019/06/18/tech/facebook-libra-cryptocurrency/index.html  Target Outage https://www.usatoday.com/story/money/2019/06/16/target-outage-caused-error-made-during-regular-maintenance/1471049001/ 2013 Target Breach http://techland.time.com/2013/12/19/the-target-credit-card-breach-what-you-should-know/ MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksOur podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit. Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
 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 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!!!!!MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksOur podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
 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.Today's podcast is about the failure of Finn, but more about why you shouldn't BS young kids who are fierce on social media about products and services and lose trust very easily. Learn how banks ignore the fact that young people CAN have a lot of money and a lot of reasons you should want them, even if they don't go to college. Learn how Chase probably did themselves a favor by giving these young cats a free account (for now) and invite them into the branch to learn more about the Finn expats.OMG, this pod is all about DTF.... Umm.. Death to Finn. Pervs.MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks.http://www.patreon.com/whyyourbanksucksOur podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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. 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 :)http://www.patreon.com/whyyourbanksucksOur podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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. Thanks so much for all the love and support!!! 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 :)http://www.patreon.com/whyyourbanksucks Our podcast today is brought to by our friends at KASASA!Visit KASASA.com for information about a bank in your area that has Kasasa checking, which is free checking where you can earn rewards. Learn more about their awesome products on their website. You won't go wrong! :)575-322-4127 is our voicemail line to share your bad banking experience. 3 min limit.ONE PENNY IS DONATED TO CHARITY FOR EVERY PODCAST PLAY!!! CLICK AWAY!!! Our website www.whyyourbanksucks.com for more info on our podcast, store, sponsorship info and much more!Visit our Twitter Page @bankscrewedus - Running commentary with BofA clients and VIGILANTE CUSTOMER SERVICE& Host James B on Twitter @jamesbisright.   Books Coming Soon: "The Banker Dude Presents: Beer Money: Banking and Financial Tips for Today's Modern Man"  "Bank of America Nearly Made Me Homeless (And I Worked There)" Status plus my Complaints book, "The Bank Screwed US"ALL PROJECTS WILL HAVE A PORTION OF PROCEEDS DONATED TO CHARITY. VISIT http://www.whyyourbanksucks.com/charity for more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whyyourbanksucks/support
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