The Notorious Banker

Before we discuss Mental Health & Banks for a second time this Mental Health Awareness Month, Host James Baca talks about how he decided to start this podcast after his firing from BofA. James also is proud to announce the partnership with our friends @kasasa ! Today's podcast hits deep, where we discuss moments of pure despair while working at Bank of America and how that severely impacted my...

Paul leads off our Bank Screwed US VM line with an interesting story of how he has one credit card, 2 different numbers and 2 different balances, and also how a BofA associate pleaded for a good review. Host James Baca will explain the credit card scenario that stumped him the most, and also explain why that associate was pleading, and shares a story where a bad survey that wasn't about him cost h...

Wells Fargo as of next month will officially become META. They will rename your basic savings account the "Goal Savings" as in.. "We make our quarterly sales GOAL offering you a GOAL Savings Account." Although it's not the most obvious changes, a little rule called Reg D created so many years ago will actually be enforced more due to the newer "lenient" rules that Wells Fargo put on this account....

May 3rd was the 1 year anniversary of me meeting the client that ultimately got me fired last August. Bank of America makes $28.1 Billion Last Year in PURE PROFIT, and I get fired for $4.95. How? Why? Where? Huh? Today I discuss how being short-staffed and empowered to make decisions on the fly got me a conversation with a scary looking lady from BofA Investigations for the doing the most egregiou...

Serious Topic: May is National Mental Health Awareness month, and I have been excited to talk about the topic of mental health on this podcast. I will discuss my own battles with depression, stress, binge drinking, and other issues that stemmed from my time at Bank of America (More of the serious stories will appear in my book) I will tell you how banks make employees feel like you are obliged to...

OMG, I am doing a main topic not on Bank of America?!?!?! Hell has frozen over. This podcast will delve into one of the more popular credit cards, The Citi Double Cash Card. I will explain to you how it's best feature will actually earn you no cash, and that unless you pay in full, you are losing all that you gain. Ugh, what a mess. Then, Phoenix Business Owner @Ross_Simon let us know about Bank o...

  We hear from my friend Luis on the VM line talking about his 2x bad experience at Bank of America Plus you get my commentary on BofA's record 1q earnings, and also I briefly touch base on the congresssional hearing that CEO Brian Moynihan attended, and you will hear my opinion on a great moment where they discussed modifications of home loans BANK SCREWED US COMPLAINT LINE 575-322-4127 On V...

THE DEBUT OF OUR Bank Screwed US Voicemail Line where we have 3 callers share their experiences with Bank of America, and I provide insight into what's happening, and how I fixed it or at least helped out. LEAVE A VOICEMAIL WITH YOUR BANK OF AMERICA ISSUE AT 575-322-4127 Instructions on the line. Please call!!! (Note, some of my audio quality was not the best. Working on how I push out these voice...

Bank of America announces that it will pay a $20 minimum wage. Sounds good right? Even I can't think that's bad...Right? Haha Yes, I can. Not for reasons why you think. PRESS RELEASE   https://newsroom.bankofamerica.com/press-releases/corporate-and-financial-news/bank-america-raise-minimum-wage-20-hour   I n this podcast, I will explain why the entry level positions deserve so much more....

So the solution to making the bank modern is to not have your butt hurt on a lumpy couch or chair apparently. Bank of America's Press Release on April 5th about the drive to modernize 2500 branches made me laugh and cringe, as you should as well. In today's podcast we talk about how they twist words in the press release, essentially telling you that wi-fi and comfy couches will silence your compla...

So... Bank of America decided to give away $5 Billion of its own money today to the same people it doesn't want in its bank anymore so they can buy a house? Sounds legit. Bank of America, the same company who bought you Countrywide, which was the worst thing to ever happen to home loans is back for a sequel...AND THIS TIME IT'S PERSONAL! Learn how D. Steve Boland, Chief Lending Officer talks in co...

  Don't you immediately think of older folks when you walk into a bank? I do. As a former banker, older clients were about half the people I saw in a given day. I loved talking to them and dealing with them. I wish the same could be said about Bank of America In this podcast, I will discuss Bank of America's treatment of older clients. There are so many reasons, so this may be part 1. Topics...

Apple is now more than a technology company. They are now in the banking industry with the launch of the Apple Card today. It's the next generation of how people will use credit...unless bigger banks have their way Host James Baca reviews the key points of the new card, how they match up with Big Banks' reward cards, and offers insight into the next step in technology and credit cards. I think we...

So.... You have a savings account with about $2 in it? It's because Bank of America probably sold you one you didn't need. Learn how that $2 account can cost you hundreds even though you are "saving with every swipe of your card"! My second installment of my Bank Fail Podcasts on Why Your Bank Sucks looks at BofA's Keep The Change Program Learn how I got introduced to it along with everyone 15 yea...

Wells Fargo's scandal in 2016 rocked the banking world. Well..Everywhere except Bank of America where we would do that type of stuff all the time under the radar of Wells Fargo's issues SALES PRESSURE, THE GOAL TO SELL EIGHT PRODUCTS TO EVERYONE, AND THE EXPLOITATION OF HOMELESS AND OLD PEOPLE made the whole situation disgusting as all hell. James Baca, your host, will explain things that are simi...

How can Bank of America possibly give $100 Million away, and yet I still find a crappy thing about that?  HAHA I DO. This host is 100 percent applauding the gesture and the great amount of money given to awesome female entrepreneurs. BUT.... Listen to a 13 year Banker explain why BofA gets out of doing ANY Small Business Loans, yet gives a ton of money away to a foundation so that foundation,...

Ever want to see outright stereotyping of a race and culture? Look at these pics of Bank of America Branded Maracas (Musical Instrument) https://imgur.com/mQvdZXQ https://imgur.com/DUDMYrn Bank of America came out with a horribly offensive account for Hispanic Immigrants in 2004 called Nuevo Futuro Checking (New Future). Offensive in that in its promotional giveaways for the account, all of them w...

 I got my job at Bank of America solely because I walked in to cash a financial aid check one day. I was treated with a little respect then. Now.... Students are finding themselves in a love-hate relationship with a bank that really doesn't want them On today's podcast, learn about the desire to be the "official bank" of a university and what it even means. Learn how banks fight for accounts...

Ever call 1-800-432-1000 with BofA for service, and you literally could bake a wedding cake in that time you waited? You and me both. With a conversation that started on Twitter with Twitter User aurora_nightly, I discuss the horrible wait times and service that is going on with BofA's customer service on the phone. I explain how Preferred Customers get to "cut the line" when it comes to phone ser...

 Bank of America decided to take Merrill Lynch to the back of the barn and put it out of its misery... At least the name that is. In my latest podcast, I touch on the news that Bank of America is rebranding Merrill Lynch and US Trust and what that means to the average client. I will also explain that this is merely a better way for bankers to properly indentify wealthy people when they are in...

 Want to buy a house, but hate that pesky talking to people thing? Bank of America has a deal for you. It's digital mortgage experience will allow you to apply for your mortgage, lock in your rates, and do all the hard work yourself. Buying a $300,000 house will be as convenient as going to a Walmart self-serve checkout kiosk...Only with higher stakes. Oh, and there's the whole, de-incentiviz...

This is a newer problem at bigger banks. Banks, including Wells Fargo, BofA, and Chase no longer accept cash deposits from people who aren't on those accounts. So if Dad wants to put cash into son's account, dad is screwed! Find out why and learn that this new policy actually makes overdrafts more likely for some clients. Learn about how "for our customers protection" became a blanket reason for n...

My very first episode of Why Your Bank Sucks is an interesting one. This past week, you may have seen a story on the news about a random Bank of America ATM in Houston mistakenly dispensing $100 bills, causing a commotion. A good laugh was had by all in the media and general public with the story. But with my years of insight on how ATMs are managed, I will give you the real story of what is proba...