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Why Your Bank Sucks

Author: James, The Notorious Banker

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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
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Yours truly has done it again. The Notorious Banker has rescued $7600 from Bank of America for fraud committed on a customer. It was fraud which Bank of America did not want to refund despite overwhelming evidence proving it wasn't him! I received a random Patreon donation and message from "B" in Arizona, who searched for "BofA Fraud" on Apple Podcasts was sent to me on a Wednesday night while I was on a mission to buy the cheapest kitty litter possible, even thought I don't own a cat.  He mentioned that while in Arizona,  his account was used to cash 4 $1900 checks in Long Island NY one day, and New Jersey the next day without ever presenting ID. All 4 banks cashed checks without a hitch. When the fraud was eventually caught, they told "B" that they could not give temp credit and he would have to wait up to 60 days for the claim to process, despite giving a signature sample to a local police dept, getting a police report, and proving he was at work at the time, with backup from his employer as well! Reaching out to me, the message sounded similar to all the other fraud I have dealt with over the last few months, and I claim to my wife, "I bet I can get this done in 1 day" without seeing the check images. When I do see the images, I affirm that statement and help B write a detailed letter calling out BofA on their fraud protection and pointing out all the errors. B gets an exec's phone number, an apology and his money back in one day. B rewards me with a nice donation, which I am thankful for. Bank of America, you can't stop me. Vigilante Customer Service has cracked the $1,000,000 mark! I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE! Check it out!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
I celebrate my beautiful wife's 30th birthday on Tuesday with the story how my sales goals at Bank of America made me oversell a then college student Gabrielle with a checking account, which led into a credit card. That also led to my dreaded home loan with Bank of America in 2016.  Learn how the overselling never really benefited me, but merely the branch so they can hit their goals. Listen to how getting her a savings account one day, given to my coworker Nancy led to a chewing out of me for not getting sales, which also happened with the home loan as well. Learn about the origins of my analogies "Bank Car Wash" and "Crackers (Bread Crumbs) in the meatloaf accounts" as well. Plus, I touch base with a follower who mentioned the money is missing from ATMs in Nevada. I elaborate on the shortages Bank of America ATMs are going through in some big states with a high unemployment rate, because BofA issues unemployment debit cards in that state. Learn why BofA does not give two shits about you not getting money, making you want to swipe your card in lieu of cash! News Story Here. I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE! Check it out!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
The Notorious Banker has helped 3 people get PPP Loans through Bank of America's gauntlet this week. My sincere thanks to the following businesses who I helped get through the hard stuff and get these loans White Spider in Portland, OR Maine Academy of Gymnastics in Westbrook, ME Isabel O'Neil Bridal in Tampa, FL Working on 5 more across the US. We will work hard to get this done for these amazing American small businesses :) I discuss why BofA's decision to donate all PPP Profits kind of influences how hard they work, since they are working for nothing. Plus, I get into how their low-ball offers for applicants mimics how they do auto loans, or should I say discourages clients into getting auto loans from them. Finally, I discuss a news story in Tampa, FL where a customer held a "sit-in" for 6 hours to get help with a PPP Loan, and BofA BS'ed the client and the reporter with the phoniest email address ever: ppp_help@bofa.com.  LOL Then, I get into the worst email a BofA exec has ever sent my follower. My friend Seth asked New Hampshire Market President Ken Sheldon for $14 for a monthly fee refund, and the reply back essentially tells Seth that because Amazon, Netflix, Peloton, booze distributors and baking companies (Not banking, BAKING!) are succeeding that using the Coronavirus as an excuse for a refund is not valid. Plus he mentions that since BofA is investing in charities nationwide, that they NEED Seth's fee to make that happen. He also mentions BofA PAYING for employees lunches somehow keeps them safe from the virus. (???) Here's a sample quote: "to broadly waive fees to even those that don’t need the help at this time would be impractical and disable our ability to help those in true need." You gotta listen to my bank voice version of this! Haha Email screenshots are here and here I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE! Check it out!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Vigilante Customer Service Strikes Again. One of my most satisfying rescues ever. Yours Truly, The Notorious Banker RESCUES $1200 from Bank of America and Zelle and gives it back to Taylor in Vegas. This was a stressful one, but we got it done. Taylor only uses Zelle for one person. One day, her Zelle is hacked, and $1200 is stolen. BofA tells her to wait 10 days (a lie) before filing a claim, and then denies her, citing they sent an authorization text. This is where I get involved. We reach out to Al Welch, who is best known for taking pics of him "building houses in a full suit with shoes not even the slightest bit dirty" and we get nowhere. So we reach out to someone named Chris Godbey. He seems nice at first: Email here Chris Godbey, the market leader then "ESCALATES" it to someone with absolutely no resources to help Taylor, and is stuck in an office on the phone for an  hour to be told that they can't do anything without proof that she never got the text. When she provides phone records showing no text ever happened, they change their story, and say that it was "her IP address" that showed that she in fact initiated it. A claim never before heard. When She emails Chris Godbey again, she is met  with a brick wall, citing the company line that she in fact got an authorization code for the stolen Zelle Transfer Email Here of Godbey's Robotic response Seemingly hopeless, Taylor and I contemplate giving up, until we reach out to 8 News Now in Vegas, and their Investigative Reporter, Vanessa Murphy with a letter that I crafted and had her send, CC'ing Bank of America in it stating all the bullshit things we know about Zelle and BofA claims. Bank of America bowed down like the dogs they are, and didn't even have the courtesy to call to say it was refunded. She had won.  In two days, she gets her money back, and here we are celebrating! It's a long story, and I spent over an hour on it, because it was the most meaningful rescue in a long time, because we went from hopeless to finding a new way to scare Bank of America.  BANK OF AMERICA FEARS THE NOTORIOUS BANKER $660,000 RESCUED SINCE 4-1-19 I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE! Check it out!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Woke up Friday Morning to a press release from the Federal Reserve that was Retweeted out by Notorious Banker Follower @kentumin which mentions the suspension, or at least the recommendation to suspend Regulation D, an 80+ year old rule that actually impacts more bank customers now than back when. Ken's Story Long story short, it eliminates the penalty of using your savings account more than 6 times a month, a penalty that happens a lot more often with the advent of mobile banking and the relative ease of moving money around with that tool. I discuss my very first bank account when I was 15 years old, which introduced me to Regulation D to the tune of $81 the first month I had the account. How that delinquency actually delayed my employment at Bank of America ever so slightly, and how I used to find creative ways to circumvent the rule with the customers I opened accounts for. Regulation D was a big reason why I dislike savings accounts, and now, it's likely gone for good, although big banks don't have to abide by the recommendation! Short but very sweet news bite that impacts a lot of people Wikipedia on Reg D. I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE! Check it out!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
With the Paycheck Protection Program loan program in shambles and awaiting money for the next wave of loans, I reminisce about 3 different small business stories I witnessed in my 13 years of Bank of America employment. - How Bank of America seemed to always close Asian nail salon business accounts, leaving some of them with the inability to bank. - How an ex-coworker and friend of mine had her side hustle, Cutesy Cakes, squashed by a irritable manager who tried to suppress her fiscal independence fight, writing her up and firing her. - How one of my favorite customers committed suicide 4 days after I put in a request to have a Small Business Loan Specialist call him to discuss loan options for his Hot Dog restaurant, Chicago SW. That one still haunts me to this day.... More info Plus, I talk about my upcoming 37th Birthday on April 21, and just think back to all the birthday interactions with my branch coworkers and how it was tension filled and uncaring the way the "office birthday" scene was created. I HAVE A NEW YOUTUBE CHANNEL WITH EXCLUSIVE VIDEOS AND QUICK HITS ON NEWS STORIES THROUGHOUT THE WEEK. Please like, subscribe and share. Make it HUGE!  Check it out!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
We had a record breaking week discussing all things stimulus checks. People waiting for a long time, people blaming the bank and people just waiting to catch up on their bills. One follower tweeted at me about a weird credit that came with his stimulus check, and it blew my mind. Bank of America fronted him the money that he was overdrawn to make sure that he got the full amount of his stimulus I have never seen that before. Here's a video of me talking about it, with my mind blown. Now, all big banks are doing it, creating a payday loan style credit, which will be due in a month, when theoretically we can still be broke and in quarantine! It's insane. Story by Imami Moise from Reuters Here. I talk about how more overdrafts can happen because of autopays that will happen from certain companies like Netflix or Gyms. It's a scary notion, and I call for banks to permanently credit these differences! Plus, I talk about the PPP Loan and how the loan dollars dried up, with BofA customers stuck in "processing". Twitter was ablaze with angry people who were stuck in limbo, with BofA being accused of ignoring calls, emails and questions about what documents were needed to fund these loans. Now, with the money gone, BofA claims apps will still process. Reminds me a lot of my home loan process in 2016. I discuss my thoughts about how BofA impacted their loyal customers and don't give a shit about loyalty. So maddening. Newsday Story about PPP Here. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Stimulus Checks are coming!  $1200 is coming to all of you who are expecting it from the Coronavirus Economic Relief Learn how a STUPID TWEET from the IRS has made people insane on Twitter this weekend! Money doesn't move on Saturday! I also give some big brother-ish advice on what to do with your money. News about the Stimulus Deposit PLUS My Vigilante Customer Service has recovered over $640,000 including nearly $2,000 for Jennifer from Arizona. She had her card stolen, Uber charges racked up, and Bank of America BLAMED her for logging in too much to her online banking. BS! I fought for her, and two days later, BofA submitted, and she got money back into her account. Vigilante Customer Service Strikes Again!!!! Video here! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
What a crazy last 4 days! Thursday Night - Bank of America suddenly lists requirements for the Paycheck Protection Plan Loan (PPP) on its site, and they aren't good. They require a longstanding "CREDIT" relationship with BofA on top of an account with them. Nearly all of the business clients I dealt with in the past couldn't get approved for lending with BofA, so they were being shut out. I was pissed.! In 3 hours, I got hundreds of thousands of hits on that post, and Twitter became madness Friday morning, with hundreds if not thousands of BofA Clients voicing their anger. 3 hours after that, CEO Brian Moynihan on CNBC mentions, they have "relaxed their requirements to getting the PPP Loan, eliminating a credit requirement" but the damage was done with all the bad PR. Score one for The Notorious Banker who's millions of tweets and RT's helped make that anger go viral! :) Article detailing Friday's Issue From the Inquisitr I also talk briefly about how President Trump and his Tweets and remarks supporting BofA caused work for The Notorious Banker to be screwed up because Twitter was a mess of pro and anti-Trump people arguing about non-bank stuff on a BofA tag...No politics, just my frustration by the flood of tweets. Plus, I discuss how Wells Fargo closed their PPP Window before it ever freaking opened on Sunday, and how it left thousands of SB owners stuck. I also talk about how they are blaming the government for punishing them by limiting their assets for their fake account scandal as a reason they aren't helping. BS! A really complicated affair. Plus I talk about my upcoming video content. Stay tuned for that! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
I decided on April Fool's Day to tell the most personal story of my journey.  Wanted to share it after a poll about people drinking on the job STUNNED me on my Twitter! My relationship with alcohol is a weird one. I never drank in high school or college, and barely drank as I got into the working world. Wasn't for me. Then I worked at Bank of America  and the stress-induced environment led to parties with co-workers that got people arrested and forced them to quit. I used alcohol to fortify my self-confidence, as I was overcoming shyness with women, sales, and the banking world. I partied too much as a kid, to the point of a nervous breakdown and starvation.  After a move to Las Cruces, NM, I used alcohol to make me forget of the verbal abuse the bosses of Bank of America launched on us on a daily basis. I would go on these benders with an old co-worker, Annette where we would drink to forget how much we hated it. That manifested into a weird personal relationship we had that was around for years until my November 2015 Suicide Attempt in Las Vegas, spurred on by a text message from Bank of America managers on my vacation.  I then talk about my fight to get rid of booze from my life then, as I only used it to numb the BofA stress.  One relapse since then. After my niece died, and they refused to let me leave the branch because no one was around to open accounts, I binge drank the day after she died and didn't face the issue face to face. Last drink I ever had except for other Vegas trips with my wife, and that was the day I stopped caring about Bank of America. Bank of America was nearly the only reason I drank from 2005-2017. I'm a teetotaler otherwise. Thanks for listening. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Thanks for the 150 new followers @BankBetterGuy!  I discuss a freaking insane news article from Business Insider that was shared with me by a follower (Thanks Jerry) about Ex Wells Fargo CEO Richard Kovacevich mentioning we need to "get back to work" in the wake of the Coronavirus Scare and that "Some may get sick, some may die". Learn why I think (as if you don't realize yourself, that he's batshit crazy. Plus, I talk about Bank of America's insane week of talking about Coronavirus Relief and the things they offer in their news release. Of course everything is on a "case-by-case" basis, and doesn't actually promise you anything other than you can request help (Doesn't mean you will get it.) Learn how everyone found out skipping 3 months of payments with no negative impact is good, but that you would owe 4x your payment amount in 3 months!!! Learn How California Governor Gavin Newsom lit into BofA, sending Twitter on fire, and getting me restricted See how British Comedian and CBS Late Night Host James Corder got into the debate with Tweets Here and Here I also talk about a claim made to me by a teller that BofA is burning them out of their hazard pay. If you have any info on that, please call me at 575-322-4127 or DM me or james@notoriousbanker.com Wow, what a crazy week!!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
More CoronaVirus News from Bank of America and Chase. Both Banks gave "hazard pay" to it's front facing associates. I was appreciative of the gesture, but at the same time skeptical of their claims. Bank of America and Chase Limit Hours, But yet they are still Sales Pushing! I discuss that, and solutions to fix that! A East Coast Banker leaked a outbound call scripting from Bank of America reeking of phony empathy and even INVITING PEOPLE INTO THE BRANCH SO THEY CAN SELL THEM STUFF!! Yes, inviting them into the bank in the midst of all of us self-quarantining!!!! Unreal. Please check out the link above. Plus, I got to rescue a big amount of money from Bank of America Jessica had money for her business payroll stolen by evil a person through evil Zelle. Bank of America never bothered to look at her claim, denying it immediately, despite the fact Bank of America never saw that she never used online banking!  I play a voicemail she left the VM Line! Bank of America dragged her around, until she Tweeted, and within 1 day, I got her a conversation and her money back....with an apology Vigilante Customer Service has rescued $606,000 in one year from Bank of America. Serving my followers every day!!! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
I went on a rant about Bank of America's coronavirus gameplan. I have received several DMs from angry Bank of America EMPLOYEES (Not Just Customers) about the conditions in the financial centers, call centers, and other places. Some bank branches are told to wear gloves, some aren't allowed to. Some places Lysol can't be used, because people are allergic, and a lot of people have just had it with Bank of America's handling of it. I discuss their frustration, plus some ideas of how they can use all their fancy equipment to get people out of their bank to provide a first-class experience without having 30 people in close quarters in a branch. Plus, I talk about a leaked email I got from a Bank of America associate that mentions Bank of America talking points on what to say to clients who ask about coronavirus issues. You guessed it, It reads like a sales pitch. Emphasizing digital banking. Never saying that they wouldn't close, and feeding them lies about cleaning protocols, whenever we didn't have a true janitor in my branch the last 3 years. (Note, most property management companies handle janitorial work, not the bank) Plus "restricting travel" for bank associates who never leave the branch usually. Ok. go to twitter.com/bankbetterguy, and I will be glad to share the document in private. MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
I wanted to lighten the mood of all the CoronaVirus talk by talking about one of the 15 times Bank of America threatened to fire me. This story is 11 years old next week. I discuss how a random interaction with a stranger on a Thursday afternoon that took 15 seconds led to a terrifying 2 weeks where I thought I would lose my job. It all has to do with my big, chubby fingers. I am not kidding. Listen to how one of my insecurities almost made me job insecure. This is sadly a true story. Plus I talk about some ridiculous sh*t I saw on Twitter from a Wells Fargo PR spokesman, who basically sales pitched online banking off of CoronaVirus Tweet with the screenshots here Plus, I got a DM from an insider who is a banker at a BofA branch back east venting her frustrations because her manager just yelled at her for having a slow sales day in the midst of a Coronavirus mandated closure of a lot of schools/stores/etc. I discussed how she is forced to call people to invite them in, plus getting yelled at for not selling a credit card to a widow who was doing maintenance on her deceased husband's acocunt. Total BS, but we knew it was coming Her DM to me is on this Tweet MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Just when I didn't think Bank of America can stoop any lower... I got word from a friend of mine, Sebastian in tornado-riddled Tennessee about a radio talk show host named Phil Valentine who was talking to a caller who had their FEMA Emergency Disaster Relief Check held by Bank of America for 10 days! Utterly ridiculous. Here's my Tweet sharing the original tweet I located on Twitter In today's podcast I will talk about How Bank of America's "customer migration" leads to this issue. ATM deposit not being able to be reviewed by an in-person banker. How customer calling customer service may recieve an assoc. uneducated about current events/disasters and a policy to not remove any holds at all costs How Sebastian mentioned to me that Bank of America was the only company wearing logo-branded shirts in his area How I think Bank of America needs to handle disasters instead of just throwing money and dead social media links to their followers. How FEMA outlines you spend this check for an emergency need that Bank of America is unwilling to help with How Bank of America has a goddamn ATM on wheels that they bring out for disasters, instead of people actually willing to help with real-life issues (not all issues are cash related) This is a topic that pisses me off. My thoughts are with those in Tennessee being brave through all this adversity! MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Coronavirus is real, scary and has caused 9 deaths as of this podcast. I feel that it could be the biggest illness in a long while, or just more hype by an overactive social media. Only time will tell. However, banks are talking about it and people are talking about it. People are also asking me my thoughts on Coronavirus and banking. I decided to talk about 3 things in today's pod. The "possible" (speculation by me) things that a company like Bank of America can do with its employees. Read: Close bank branches like they already wanted and make call center jobs become work from home. The emergency interest rate cut, and the immediate desire to want to talk about loans for some reason in this time of the epidemic. Interesting Barron's Article that I refer to in the segment. My experience with Bank of America and germs. From shaming employees who go home sick to sweaty money all the way to simple handshake personal banker protocol, I discuss BofA's shortcomings on this, and I reference my hero George Carlin's Germs Bit MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Wells Fargo made up for a decade and a half of treating it's customers like crap and overselling accounts, and creating phony accounts to hit their sales goals by giving those customers absolutely nothing, and giving $3 Billion to rich people who invested in it, and the United States Treasury.  I'm sure looking for a positive in all this, but I can't think of one. Wells, who pushed their bankers to the brink of a nervous breakdown, called them names, and overall just made a mockery of banking, got off relatively light, and without a sincere apology News Release from Wells Fargo Here My podcast breaks down how goddamn nerdy their news release was, even renaming the scandal to make it sound like some rite of passage. I talk about how some of their past ways of "making it up" aside from the money are facetious, and hell, even make Bank of America look better by comparison. I then break down how a random media source covered it. I picked NPR  (Link to Article Here) No political bias or anything...It was literally close my eyes and point. I talk about how we as consumers and how I, as a former banker look at this scandal and can't help but chuckle at how surreal it is. Wells Fargo give 10-figures as a result of this, and you, Mr. or Ms. Listener don't get a damn thing, unless you are a significant shareholder. Sucks to be you-- I mean all of us :( MY PATREON Page! For as little as $1, you can help James Baca in his fight against big banks. http://patreon.com/NotoriousBanker Sponsors -james@NotoriousBanker.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 http://www.notoriousbanker.com for more info on our podcast, store, sponsorship info and much more! Visit our Twitter Page @BankBetterGuy -  Bank Advice, humor, observations, deals and  VIGILANTE CUSTOMER SERVICE & Host James B on Twitter @jamesbisright --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Ever wondered how to get yelled at and nearly written up by your boss during the moments that a person on the phone called the bank claiming there was a bomb that was going to blow up the bank in five minutes? Well, have I got the story for you... Haha Listen to my detailed account of the one bomb threat we had at Bank of America while I worked there, how my manager and regional managers screwed everything up, and how Bank of America Corporate Security yelled at us for "NOT BEING CLOSE ENOUGH TO THE BANK" while we were evacuated. (WTF?!?!?!) Plus Two Listener Questions about large transactions/amounts of money I handled + The dumbest reason someone ever closed out their account. Why it was because of a 80 year old cartoon character!!! patreon.com/notoriousbanker - Donate to the pod - Help Me Fight Back!!!! james@notoriousbanker.com - email if you have more info on more locations 575-322-4127 - VM Line. @bankbetterguy on Twitter - DM ME --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Tax time was always important to me at the bank. It is one of the busiest new account times at the bank. So many people setting up bank accounts in anticipation of or after the receipt of their income tax check. One of the things that I saw in 13 years of banking are Refund Anticipation Loans, where people pay a little extra to get a paper check to "cash" that same day. It involves a credit pull and a big fee usually. Well, Banks for years have screwed over those who get those Anticipation Loan Checks by holding checks up to 10 business days after deposit.  I called it a scam then and now. Tax preparers sell you on the quickness of something they can't verify with a big bank like Bank of America and Wells Fargo. I discuss the process and tell some stories from my past. Then, I also got a couple DMs about Bank of America now charging Cash Advance Fees for people to use their Credit Card for Venmo Payments. Venmo actually updated their terms as of 4 hours ago on Feb. 14, mentioning the updated policy. I get into  how I believe that it's a method to get people to use Zelle more often, and to discourage use of competitors by penalizing something that wasn't penalized before. A lot of millennials will be impacted by this! Not cool, BofA. (To be fair, Other banks are contemplating this change too) patreon.com/notoriousbanker - Donate to the pod - Help Me Fight Back!!!! james@notoriousbanker.com - email if you have more info on more locations 575-322-4127 - VM Line. @bankbetterguy on Twitter - DM ME --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
For the first time since 8-17-18, the day I got fired, I went into a Bank of America Branch. This one is in Tempe AZ, and boy, what an adventure it was. Going in to close out my accounts that were charging me $37/month, I decided to take care of business while on vacation. I set an appointment, which is what they want you to do. I show up early to give them something to process, and in an empty bank, with 5 bankers standing around not doing anything, I was referred to the 1-800 number within 20 seconds of walking in. You will hear audio of the beginning of my interaction with a woman named Naomi. She did a great job, though her training has taught her to not care about customers needs and to pawn them off to somewhere else. I talk about the survey I left her, and why I gave her a 9 because anything lower, and she would get yelled at/written up. I talk about my feelings of seeing how the service has changed, and overall my observations of a bank in crisis in person. Whew...It was bad. patreon.com/notoriousbanker - Donate to the pod - Help Me Fight Back!!!! james@notoriousbanker.com - email if you have more info on more locations 575-322-4127 - VM Line. @bankbetterguy on Twitter - DM ME --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
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