James Baca

The Notorious Banker

Business EN ↓ 223 episodes

(FKA: Why Your Bank Sucks) The Notorious Banker is a podcast from a banker who spent 13 yrs @ Bank of America in various roles, including manager. This podcast takes you into the greedy, seedy world of big time branch banking. Learn about big banks & why they charge you $15/month to earn 1 cent interest & other atrocitiesWe also discuss interesting stories from my 13 yrs in banking, thoughts on news, ideas & products in the banking world, & give uncensored commentary about an industry we all can dislike as one, while also interviewing employees & customers impacted by big, bad mega-banks!

Author

James Baca

Category

Business

Podcast website

twitter.com

Latest episode

Oct 26, 2023

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Episodes

Bank of America Donates $25 Million to Fund An Important Discussion No One Will Be Able To Listen To 10.06.2020

Bank of America patted themselves on the back again. One week after "committing" to a billion dollars to end racial inequality, they decided to put out another press release touting the donation of $25 million to the Smithsonian Institute for "“Race, Community and Our Shared Future” Initiative. While I am happy Bank of America wants to bring this conversation to the public, they brought a weird pa...

Bank of America's Billion Dollar Lie - My 100th Episode 04.06.2020

Congrats to myself for making it 100 episodes. Tells you there is a lot to talk about with big banks! This topic is hard for me to talk about, because it's about racism and discrimination, but it needs to be told. Bank of America put out a press release Tuesday announcing a "Billion Dollar Commitment" to end racial inequality. When I woke up, I got 15 DMs all asking me if it was BS. Well... The Bi...

How the Protests Across The Country and Big Banks Intersect 01.06.2020

We talk about George Floyd on this podcast. We don't talk about the incident on Monday so much as to the environment that society is in with discrimination and frustration, especially as it pertains to dealing with banks when you are a person of color. I discuss my outlook on how we shouldn't paint all job lines with one broad brush, whether it's cops or lawyers or bankers even, yet it is our duty...

The Notorious Banker Rescues $7600 from Bank of America for "B" from Arizona! 22.05.2020

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 w...

My Wife's 30th Birthday: How I Oversold Her At Bank of America + Empty ATMs in Vegas and California - A Mailbag Podcast 15.05.2020

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...

The Notorious Banker: PPP Loan Champion + Bank of America Exec Sends The Most F**king Ridiculous Email to Customer 08.05.2020

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...

Taylor Made: The Notorious Banker Rescues $1200 from Zelle and Bank of America in Vegas, Baby! 02.05.2020

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...

They No Longer Want The (Regulation) D: Major Rule Change in Banking Affects a Lot of Bank Clients! 25.04.2020

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 tim...

Discrimination, Firings, and Suicide: 3 Bank of America Small Business Issues I Witnessed Personally + It's My 37th Birthday! 20.04.2020

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 si...

Big Banks Give Payday Loan Style Refunds During Stimulus Deposts + More PPP BS 17.04.2020

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...

Stimulus Week - $1200 Never Made People So Crazy + I Rescued $2000 for Jennifer from Arizona! 13.04.2020

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 $64...

Poo Pooing the PPP - Small Businesses Everywhere Get Royally Hosed by Bank of America & Wells Fargo 07.04.2020

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 pi...

My Relationship with Alcohol and Bank of America: A Personal Story 01.04.2020

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 l...

Ex Wells Fargo CEO Says Get Back to Work & Possibly Die + Bank of America Coronavirus (no) Relief? 27.03.2020

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...

New Coronavirus Bank News (Hours, Sales & Bonuses) + I Rescue $5000 from Bank of America for Jessica 21.03.2020

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 reeki...

Complaints from Employees and Customers About Coronavirus Concerns + A Leaked Memo 17.03.2020

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...

The Time I Almost Got Fired For Having Chubby Fingers (A True Story) + Coronavirus BS from Banks 13.03.2020

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. List...

Bank of America Holds FEMA checks for Nashville Tornado Victims. What A Shock. 09.03.2020

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 po...

Yes, I did a Coronavirus Podcast... 03.03.2020

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"...

Wells Fargo Settles For $3,000,000,000 and All I Got Was This Lousy -- Nothing!!! 26.02.2020

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 bank...

My Bomb Threat Story at the Bank + Listener Q&A about Large Amounts of Money & Betty Boop (???) 21.02.2020

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 e...

Pay Hundreds To Get Your Tax Refund Check Today, Bank Still Holds the Check 10 Days (Refund Anticipation Loans Suck) + BofA Sticks it to Venmo Users 15.02.2020

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 a...

My Visit Inside a Phoenix-Area Bank of America Branch. It Took Them 20 Seconds to Try to Get Me Out of There!!! 10.02.2020

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 b...

Non-Disclosure Agreements: Not Just For Harvey Weinstein Anymore! Bank of America's Attempt to Shut You Up When Fraud Happens! 01.02.2020

I think that this new rule I had never heard about is about me and The Notorious Banker Project, along with Why Your Bank Sucks and how I help people publicly fight back against BofA when they deny your fraud claim and claim to help An Awesome Story by The WSJ's Sarah Krouse detailing a new rule that Bank of America has. Basically, before they help you with fraud, they make you sign an NDA to keep...

My Favorite Kobe Bryant Story (Business Related) and How My Boss Got Mad At Me Because of College Football and Alabama (What?) 28.01.2020

Today's podcast is so different. I decided to share my favorite non-basketball Kobe Bryant story. I get criticized all the time for not seeming like I like big business and capitalism.. I love it, as long as it is responsibly done. Kobe Bryant passed away Sunday and all I could think about is something I read the week I got fired. He invested in a company. Put $6 million in, walked out with $200 m...

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