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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
52 Episodes
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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!So much fun today. Please listen in!!!!!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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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. Learn why it's one part sales ploy and one part finding a way to further alienate the most at-risk group at Bank of America, the elderly.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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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.PLUS.. I TALK ABOUT THE ROCKY HORROR PICTURE SHOW... IN-N-OUT BURGER and a lot more. (What?!?)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.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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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?Just because Democratic Hispanic Congressional Members tweeted about it doesn't mean it's just in their interest. Why Your Bank Sucks is here to explain how it will impact you, as it is STILL going on!!!!Article:https://www.sacbee.com/news/business/article217567300.html?fbclid=IwAR1jlGqkk0HD63XP6kMLtsgrmVFKdvWbiPJT6IcRDfgDVhVSjuUQOnrsLikTweet by Cong. Hispanic Caucus:https://twitter.com/HispanicCaucus/status/1169018230930731008Tweet by Me:https://twitter.com/BankScrewedUs/status/1169026858802962433Plus:I talk about the best product that Bank of America had still closing down in two weeks. Shopsafe is a virtual Credit Card system that allows you to generate one time use cc numbers to use online or for trial subscriptions. Learn Why Bank of America said it's gone. Learn about how they don't know what a digital wallet is and learn that they are committed to be committed to be committed to be committed to be committed. Haha. Listen to the pod, and you will see what that means. R.I.P. Shopsafe!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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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!News article about Topeka BofA's closing with PR Quotes from BofA included!https://www.cjonline.com/news/20190517/bank-of-america-to-close-all-topeka-branchesAlso, my vacation took me to go see a Heavy Metal show and to go swimming in a nice pool. But it also served dual meaning. I got to drive around the Phoenix Metro Area and see two things near and dear to my heart. I was one mile away from the home loans department that nearly made me homeless in 2016. They have an In-N-Out Burger by them. #JEALOUS!!! HahahaPlus, I got to trespass on private property at Early Warning Services, LLC, Better known as ZELLE!!!I will tell you my impressions about an unimpressive looking building that literally controls the world's money by real-time payments. I took some really good pictures for my Zelle book, BTW!It was cool to see all the places I complain about in one day. Now let's fight to make them empty buildings!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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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.Finally, learn about how little Bank of America cares about their compliance training, never setting time away from your clients to do it, causing associates to literally click their mouse through the training as fast as they can to "finish" between customers, plus taking tests, failing them, and sharing answers and writing down answers to share with others in the name of time and availability. It's really ridiculous. You'll now understand why people in branch don't seem as sharp as THEY SHOULD.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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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.I DECIDED I WANT TO APPLY FOR CEO AT WELLS FARGO!!!I never want to work in banking again, but maybe, just maybe I can mold the bank in the way that I think would be beneficial to company and clients. In this fun (yet totally serious) podcast, I discuss my history of working in banks, my salary demands (really reasonable for CEO standards) and my outlook for the future of retail banking.Learn how I can make banking fun and worth the while of an average customer by instituting no-fee banking, while having an " Efficiency Credit" system that I ripped off from hotels not wanting to wash dirty towels (what?!?!?!), a Starbucks Card-Like rewards system that rewards you for making Wells money with your money-making and saving methods of payment they provide you. I talk about a dividend pool that will reward customers who help spread the good word, while freeing up lines in banks for people who want to continue to do old school banking. I also talk about a bi-annual review of one's work ethic and entusiasm for a fast-paced job. No more phoning it in at James's version of Wells Fargo. Learn something about a real person with real ideas.https://www.housingwire.com/articles/49319-who-wants-to-be-ceo-of-wells-fargo-no-one-apparentlyMY 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.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
 @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. I recommend you set up a free NYT Account, and please read this article and listen to this podcast. Wells Fargo Closed Their Accounts, but the Fees Continued to Mount https://www.nytimes.com/2019/08/16/business/wells-fargo-overdraft-fees.html I will break down segment by segment the things I agree with, some I didn't (which is weird that I found disagreement about how crappy WF is!) and I add personal experiences and opinions from dealing with issues like this at Bank of America as a banker. It's so interesting. Learn why having 13 accounts and a lot of money is considered a bad thing for big banks. Learn how zombie accounts generate $1000s in fees. You will also learn that WF has a garbage PR person like BofA (haha), and learn where the threat of un-banking you scares a lot of people who don't know about banking away from banking!And towards the end, you will hear me vehemently disagree about the final woman in the story's account of her final experience at Wells Fargo. Learn how there's no way a manager would give her $40k, much less in a paper bag and much less generating a CTR form for income reporting. Also I argue with myself over what the definition of brunch is (what?)An amazing article. My 8000+ listeners must read it and listen. Support great journalists, and support me too! :) 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. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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. Through the fortunate circumstance of Brian retrieving images of the checks from a banker, I was able to identify the fraud, spot oversights the teller and bankers made in the branch, and proved that he wasn't the perpetrator. After several days and peppering several execs, Brian got his money back, I made a friend for life, and I lose that much more trust in Bank of America. Learn in the podcast how the tellers didn't view ID, how claims dept didn't file a freaking claim (literally their only job) and how a company plays PREVENT Defense to keep you from getting your money. From impacting bonuses to victim blaming, BofA pulls no punches. Luckily James at Why Your Bank Sucks loves boxing and will KNOCK OUT THESE BANKS!Shout Out to Brian. Thanks for your trust! 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. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
 I have been off a week, thinking about the tragedies in my home area of El Paso and of course Dayton, OHBut I come back with 2 great stories!Learn about how my anniversary trip to Ruidoso, NM (Pop. 7700) showed me that despite what banks say about the world going cashless and digital, cash is king in a small town. From casino slot machines to food trucks, and even campgrounds, paper currency is still ruling the day. Listen on how a trip to Walmart for snacks at 9pm gave me a window into the world of cash vs card. It surprised even me.Also, we have a voicemail that literally stopped me in tracks during my trip. Our caller alerts us to a Bank of America in California that is limiting clients to only one transaction per day in their lobby. Learn how it has nothing to do with short staff, and everything to do with fudging the numbers to earn bonuses. How does a bank use the same lingo as a free alternative newspaper? Find out on our Bank Screwed US Voicemail Line!You can tell us your horror story about banking, leave a comment, question or whatever to 575-322-4127 and your call will make our 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 $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. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/whyyourbanksucks/support
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