Best James Baca Podcasts (2024)

1
I Flip-Flop on Cannabis Banking + Great Bank Bonus Deals Out There 48:59

9M ago48:59

48:59

I very rarely am anti-customer as you can tell by my content, but a local El Paso TV report about how over 100 cannabis dispensaries have NOT paid their State of NM taxes last year, has made me change my mind on allowing them to bank. Taxing pot has long been a talking point for pro-cannabis folks in their fight to legalize pot. While I am pro-lega…

1
Goldman Sachs Wants Nothing To Do With You Scrubs and Your Apple Cards + Book Announcement! 51:58

9M ago51:58

51:58

According to an article in the WSJ and Gizmodo, Goldman Sachs, the humongous Mega-Bank, wants out of the Apple Card and Apple Savings business. Facing tough earnings this week, a lot of people who are familiar with GS expect them to try to offload them to another bank, likely AmEx. In this podcast, I will talk about how I predicted that Apple Card …

1
MyPillow Guy Gets Credit Line Cut At AmEx: Why It Is Banks Being Banks and NOT Political + BofA Pay Raise Evergreen Segment 47:28

10M ago47:28

47:28

Mike Lindell, the loud, creepy guy who owns MyPillow and is known for his 2020 Election crusade or misadventures, wherever you come from, had his AmEX credit line slashed from $1 Million to $100,000. He cites politics as the reason American Express did it. As I have mentioned in many podcasts before, it's NEVER about politics, because banks want to…

1
How a Sign About Staffing Issues At a Local Starbucks Changed My Perception of Management 41:25

10M ago41:25

41:25

Trying something different today. I am doing a podcast about something I would do a column on. The Starbucks near my house, inside a grocery store has not been open during the hours you would expect a coffee shop to be open lately. I am assuming it was staff going back to school and not being able to do morning shift. Last few times I have gone to …

1
The Business of Dying: How My Grandpa's Death Has Spawned 2 Auto-Related Customer Experiences 35:33

11M ago35:33

35:33

My grandpa passed on July 16th, and what I can help with, I have helped from afar in Las Cruces, NM, 150 miles away, with my mom handling the bulk of the issues. But she calls me out of the blue the other day and tells me that First Financial Credit Union who holds my grandpa's car note is demanding immediate payment without allowing his estate to …

1
Predicando Zamora 1937-2023 - Navigating the Business Side of Losing a Loved One - Banks and Funeral Homes 1:14:14

12M ago1:14:14

1:14:14

I lost my Grandpa Candy last Sunday. He was 85. While of course we prep for the end always, it is never easy when it gets here. In this podcast, I share a couple personal stories about the day he passed, and the day after, which saw some interesting things at a local bank in Socorro NM where my cousins work and the bank felt a little...off. Plus I …

1
Emergency Podcast: Bank of America Fined $250 Million for Stuff for Shady Things…Shocker. 30:56

1y ago30:56

30:56

Live from Fort Worth, a very truncated Emergency Podcast about Bank of America.Bank of America fined $200 Million by CFPB for unauthorized credit card accounts, double dipping fees, and so so much more. CFPB Article HereIn this podcast, I explain that most of this had to have been when I was still there (I left in 2018) because aside from allegedly…

1
The BigBankification of Smaller Banks and Credit Unions + Consumer Beast: Panda Express 1:20:04

1y ago1:20:04

1:20:04

I am back from a hiatus! Thanks for everyone who asked me, "James... Where's your podcast?" Been busy and working through some writer's block issues, but I am here to talk about things I love...Like arguing about shitty customer service. First, we will talk about how a local CU near my house ripped out the Drive-Up mechanisms, installed full-servic…

1
Louisville Shooting Thoughts + I Turned 40 Today!!! 38:51

1y ago38:51

38:51

Hello All! Back from my book sabbatical to talk about 2 topics (While Under the Weather) I discuss my thoughts on the Louisville Bank Shooting and things that triggered me about how and when it happened, plus discussing how big bank policy would have never let that man in the door after getting rid of him. Plus, I talk about turning 40 years old to…

1
Silicon Valley Bank Fails - Feds Take Over Bank with $200 Billion in Assets 27:11

1+ y ago27:11

27:11

Crazy Breaking News: Silicon Valley Bank, a bank with hundreds of billions of assets, went into FDIC Receivership today, after a run on the bank starting yesterday, led by Peter Thiel and his VC Buddies. This left this bank reeling and the feds to come in midday (normally wait until end of business) and take over this bank. People's money will be a…

1
Bank of America's Role with the Washington Commanders Story + BofA Sued for Misrepresenting PPP Loan Guidelines 1:13:14

1+ y ago1:13:14

1:13:14

Back from a mini-sabbatical as I write my NMSU Basketball book to get it out ASAP. I discuss Bank of America's role in Don Van Natta's AWESOME story about the turmoil with the Washington Commanders team and the beef minority owners had with the main owner, Dan Snyder. At the center is a $55 Million Loan that Snyder took out with the NFL's backing w…

1
800mL - My Plasma Donation Saga 1:01:15

1+ y ago1:01:15

1:01:15

As a lot of you know, I have been on sabbatical from my podcast and social media availability because I'm currently writing a book about NMSU Men's Basketball and a couple other things. Plasma donations are part of my supplemental income, and I have become a huge advocate for the process since I started donating 20 years ago. Recently, changes in c…

1
Biden Seeks to Limit Credit Card Late Fees - Banks Have Lame Excuse Defending Them + Boy Band Member Posthumously Sued by Wells Fargo 43:10

1+ y ago43:10

43:10

First off. PLEASE SUBSCRIBE TO MY SUBSTACK. I talk Bad Banks, Unethical Businesses and more in a Hilarious Way. Free of Charge. Tons of content. The Biden Admin. has proposed capping CC Late Fees to $8 per missed payment from as much as $41. It is in an effort to reduce or eliminate "Junk Fees". Big banks and their lobbying arms claim that lowering…

1
Bank of America Makes Money Disappear With Zelle - My National TV Debut - Zelle Creating Payment Wallet For People to get Scammed a New Way 58:31

1+ y ago58:31

58:31

First and foremost: Subscribe to my new Substack called "Consumer Beast" I will discuss bank issues in longform there, plus I will also rant about customer service issues in other fields! Now, let's get to the business at hand. Wednesday, January 18th, Bank of America had a major outage with Zelle, causing transfers that happened the previous four …

1
Chase Bank Calls Police on Wall Street Journal Reporter in Phoenix + Wells Fargo Executive Arrested for Urinating on an Airplane... What?!?! 55:08

1+ y ago55:08

55:08

Happy 2023! We lead with the story of Dion Rabouin, an awesome WSJ reporter who was in Phoenix with family over the holidays when he decided to do work on a story about low interest rates on savings accounts at big banks. The Chase bank he went to on 12038 N 32nd St in Phoenix asked him what he was doing. He told him. They said nothing. They called…

1
Emergency Podcast - Wells Fargo Fined $4 Billion for Consumer Violations - What Does This Mean? 40:33

1+ y ago40:33

40:33

Big news in the world of banking today. Wells Fargo, who set aside $2 Billion last quarter to cover any potential penalties that the CFPB would impose on them, got hit with 2x that amount, $3.7 Billion for those violations in a stunning news release by CFPB Read CFPB Release Here. Denying mortgage modifications, charging surprise overdraft fees, an…

1
Brian Moynihan of BofA - 5th in line for POTUS? Wtf? Plus, Bank of America Finally Declares Dislike for Crypto 51:34

1+ y ago51:34

51:34

Thanks for listening. I start the podcast off with a book update, and another book idea that has popped up. Next, I discuss how Brian Moynihan, CEO of Bank of America, has a lot of buzz that he may be the next Treasury Sec. if Janet Yellen leaves. Charles Gasparino with the scoop tweet on 12-9. I discuss how mind blowing that is, how of course Joe …

1
Emergency Pod: Zelle Allegedly Working on Refunding Fraud Victims - In Other News, Pigs Still Currently Not Flying 1:10:05

1+ y ago1:10:05

1:10:05

This came out of left field today. According to David Benoit and AnnaMaria Andriotis of the WSJ, Zelle is purportedly creating a "playbook" for banks and themselves to have systems to refund victims of Zelle fraud, particularly the "me to me" scam that has been going on for years. In this emergency podcast, I will tell you everything that is wrong …

1
Twitter is Hard to Use for Me, Wells Fargo "Payday Loans", and SBF/FTX/WTF/BS 53:19

1+ y ago53:19

53:19

Sorry about the long layoff... I was sick with COVID :( In today's episode, I discuss how since Elon took over, it has been impossible to do my "The Notorious Banker" work because of people trolling Elon, BofA for lending Elon and a bunch of pointless convos. It seems hard to get a couple of simple things completed, especially when it comes to help…

1
Twitter/Elon, A Convo on Interest Rates People Never Have, and Book Update!!! 49:21

1+ y ago49:21

49:21

I briefly talk about Elon Musk and Twitter just in the sense of how it impacts me and my project. Note: It won't and it can't. I then talk about interest rates. As we all know, it's really expensive to buy a house now simply on interest rate hikes alone. I think it's bad, and it is only going to get worse. That being said, the American public alway…

1
Equifax Breaches Privacy Again To Fire Employees + Fargo? WTF? 53:35

1+ y ago53:35

53:35

We talk about something that is not really a bank issue. Equifax fired a lot of employees who were found to have second jobs. Apparently, they used their own patented software to spy on their own employees. I talk about how moonlighting is becoming more common and how I had a couple coworkers who did stuff like this at a smaller scale, but only get…

1
Kanye Kicked Out of Chase + Crime Incidents Outside of Branch Can Lead to People Being Unbanked 53:20

1+ y ago53:20

53:20

Yes, We talk about the Kanye/Chase thing... Reluctantly. I mainly focus on why the people who are protesting this move by Chase are the same people who ignored when this happens to others not as rich or famous. I discuss what it possibly MAY have been to cause this breakup, and I discuss the uniqueness of this case. Plus, I talk about how some rece…

1
North Carolina Man Falls Victim to Another Version of Fraud at BofA + Book Thoughts 57:04

2y ago57:04

57:04

I discuss a man in North Carolina who fell victim to a "Bill Pay" scam that is different than the normal Zelle fraud we are used to seeing at BofA. Bank of America true to form denied the man's claim until a local news organization ran a story to ask the bank why they denied him, and boom, like clockwork, BofA caved like the dogs they are and refun…

1
US Bank Bribes People With Milk Money to use Zelle + I try a Compromise with Zelle. Really. 51:30

2y ago51:30

51:30

In this podcast I discuss an offer I found through US Bank where the bank is offering select clients $5, yes FIVE WHOLE DOLLARS to use Zelle 2x. What I see as a lacking gesture is also a way to fudge the numbers of "alternative ways to bank" to justify limiting staff and branches going forward. Giving clients a small pittance in order for you to sa…

1
Bank CEOs Go To Congress and the Wackiness Ensues - Part 1 56:29

2y ago56:29

56:29

One topic today: SENATE BANKING HEARING (3 HOURS LONG) House BANKING HEARING (7 HOURS LONG) Bank CEOs were on Capitol Hill for 2 days this week talking to the House and Senate Banking Oversight Committees. There were a wide range of topics from Climate to Inflation to Gas Station ATMs. I curated a few clips about Zelle, fees, Bitcoin, Questionable …

1
Kanye West, Bank of America Sabbaticals (Why I Think They Are BS), and Bank Getting Sued for Refusing to Cash Slot Winnings Check 1:01:46

2y ago1:01:46

1:01:46

Hello Everyone. First off, we briefly discuss Kanye West's statement on CNBC yesterday where he said he is leaving Chase for Bank of America because CEO of Chase Jamie Dimon didn't call him when he made a $140 Million Deposit Then we get into a very deep story. Bank of America will offer "sabbaticals" of up to 6 weeks to longtime employees to comba…

1
Wells Fargo Targeting Adult Content Creators: Why? (A frank discussion) + Bank of America No Down Payment Home Loan for...Rich People? 1:26:29

2y ago1:26:29

1:26:29

Long week talking about the new Bank of America Home Loan Program, Which we will also do here! (Ugh) First off, Interesting article in Rolling Stone and Reporter EJ Dickson, who profiled a lot of Adult Film actresses who had their bank accounts closed out by Wells Fargo. I have done podcasts many times referring to the "business decisions" that ban…

1
Bank of America Promises Black and Hispanic People No Down Payment No Credit Score Minimum Mortgages: Why I Think It Is BS 48:40

2y ago48:40

48:40

Bank of America blew me away today with the stupidest thing I ever saw. Bank of America announced a plan to help Black and Hispanic people get into home loans in 5 markets, where frankly, the median home prices are insane. The markets are Charlotte, Los Angeles, Dallas, Miami and Detroit. Bank of America is promising no minimum credit score, no mor…

1
More EDD Fraud in California That BofA Refused to Fix + 4 Years Fired: My Liberation Day 44:40

2y ago44:40

44:40

https://abc7news.com/bank-of-america-bofa-denies-edd-claim-fraud-debit-card-denial/12154468/ Hey, guess what? Another EDD Fraud case where Bank of America denied a client. Man had $15k stolen from his account with crooks using the old school transfers page to send $15k total over 3 accounts. Bank of America denied Alfredo Mancilla 3 times. He then …

1
Zelle Book Update + PGA Star's Family Impacted By Zelle + Bank of America Closes Lobby of My Old Bank, Impacting Disability Payment Recipients 45:14

2y ago45:14

45:14

Hello Everyone! Reminder that I am working on a book about Zelle due to come out really soon. Stay tuned for that. It's going to be funny, thought-provoking and hard-hitting all in one. In this podcast, I discuss a tweet from PGA Star Brian Gay who tweeted that his daughter was a victim of Zelle Fraud while at Bank of America with BofA doing nothin…

1
CFPB Fines US Bank Lunch Money For "Fake Account" Scandal - Why it's NOT like Wells Fargo! 46:45

2y ago46:45

46:45

2 Podcasts in 3 days. Just like pandemic times. I am doing an "emergency" podcast to discuss the CFPB fining US Bank, based in Minnesota, $37.5 Million for issues pertaining to unauthorized accounts (some call them 'fake accounts') for customers between 2010 and 2016. This is in line with the timeframe of the Wells Fargo stuff. I read the press rel…

1
Zelle Fraud and BofA Apathy Strike in Beantown + Bank of America Sets Aside $200 Million for "Personal Device" Issue 49:37

2y ago49:37

49:37

Sorry about the delay. I am working on a Zelle book and it has been hard to record. Ironically my first topic is about Zelle. WCVB in Boston had a story about a local man who was attacked by cyber criminals who commandeered his online banking to send themselves $3000 via Zelle from his online banking despite his texts not authorizing the transactio…

1
Update on Caroline's Zelle Situation + The Notorious Banker Saves His 3rd Home! 51:57

2y ago51:57

51:57

Our friend Caroline, who we met through social media posts made by Professional Wrestling Superstars is still fighting with Bank of America as of now. She was the victim of fraud using Zelle, and Bank of America is not only not helping her, but blaming her for their gaping holes in the product. The groundswell of support she has from her wrestling …

1
Pro Wrestling Makeup Artist The Latest Victim of Zelle + Bank of America Apathy! 48:26

2y ago48:26

48:26

Caroline's GoFundMe In this podcast, I have one topic. Caroline in Florida is a victim of 2 things: Zelle and BofA apathy. Caroline was scammed out of her life savings by a spoofed BofA call that Bank of America acknowledges is prevalent these days. She lost tens of thousands of dollars. Caroline is a makeup artist and hairstylist with IMPACT Wrest…

1
Bank of America Makes Mistake, Refuses To Fix It, Impacts Family of Afghan Refugees From Eating and Paying Rent 1:01:53

2y ago1:01:53

1:01:53

Bank of America impacting a bunch of disenfranchised people? Who would have guessed. The bank known for this did it again in Houston, TX, cite of some notable BofA instances in the past. A family of Afghan Refugees, who left during the uprising that led to the Taliban being in power again last year, were impacted by one of the world's largest banks…

1
Bank of the West Overdraft Controversy + The Notorious Banker Recovers $1500 for Susan in DC 1:15:53

2y ago1:15:53

1:15:53

Today, I discuss Patrick Rucker's reporting on Bank of the West, and how a secret deal in 2017 to curtail how many overdrafts a customer can get there may do more harm than good. I discuss how the arbitrary $1000 limit led to accounts being closed and customers being unbanked. While the intent was meant to help them out, it can create further probl…

1
ATM Deposit Issues in Atlanta + I Beat The State of NM A 2nd Time!!! 1:17:50

2y ago1:17:50

1:17:50

In this episode I discuss issues with deposit ATMs. WSB-TV Reporter, Ashli Lincoln did two stories last week about issues at 2 different banks. First, Bank of America and their crappy ATMs stiffed a young man of $200+ and as of today, they are still giving him the run-around. It's horrible.. Then a second story of a Military Widow depositing a $26,…

1
Wells Fargo Diversity Hiring Practices Scrutinized by NYT + Fresno, CA Resident Latest BofA EDD Victim 1:11:57

2y ago1:11:57

1:11:57

NYT Super Reporter Emily Flitter outlined in a story published last week about how hiring practices at Wells Fargo are meant to target diverse candidates, but end up being more than lip service. I discuss how this parallels my experience at BofA, and I explain how since the majority of the people interviewed in the article are with WELLS FARGO ADVI…

1
Report: TD Bank Had Sales Quota Issues Just Like the Big Boys + Texas Couple Gets Scammed 2x - By Crooks and by BofA! 1:33:52

2y ago1:33:52

1:33:52

First Topic: Patrick Rucker, who I am fortunate to have chatted with a time or two has a report in The Capital Forum (Paywalled) where TD Bank Sales Practices were detailed and mimicked similar environments at BofA and Wells Fargo. The previous Presidential administration opted not to fine TD for these incidents, instead choosing to privately "repr…

1
Will Interest in My Savings Account Go Up Too + BofA Gets Fined for Serving People! 48:53

2y ago48:53

48:53

I discuss a couple simple topics today With interest rates set to go up really high, one conversation I know is going to happen is "Why is my savings still yielding 0.01%?" It's simple... Because banks don't want to give you more money. Big banks have a special reason for not giving basic savings account holders more money, and ironically enough, l…

1
With Interest Rates Going Up, Will Bankers Have Real Conversations With Home Buyers? 1:03:57

2y ago1:03:57

1:03:57

I wanted to have a discussion about something that bugs me now that interest rates are going up. Will bankers and their high sales goals run the red light and still try to oversell clients into buying a home even if they aren't in an advantageous position to buy one? It was easy to sell home loans at BofA in 2016 when I bought my home at a 3.5% pos…

1
New York City Wants Nothing To Do With Wells Fargo + Arkansas Call Center Employees Arrested for California Unemployment Fraud 1:03:05

2+ y ago1:03:05

1:03:05

Today's episode discusses the interesting news from the Big Apple that New York City will not do business with Wells Fargo based on their discriminatory loan practices. We discuss how that means thousands of accounts and how Wells may be viewing this letter that was sent to them. It all comes from the report that more than half of Black homeowners …

1
High-Risk Transaction: The Ryan Coogler - Bank of America Incident - MY NEW BOOK AVAILABLE NOW!!! 1:09:28

2+ y ago1:09:28

1:09:28

CooglerBofABook.com It's a secret no more. I have written a book about a story that broke on March 9th. I wrote "High-Risk Transaction" in 5 days to tell the story of what the hell happened to Ryan Coogler, Director of "Black Panther" and "Creed. How does one go from standing in line at the Bank of America in the tony Buckhead district of Atlanta, …

1
Breaking Down the Ryan Coogler Incident 1:13:02

2+ y ago1:13:02

1:13:02

Well, Anything interesting happen at Bank of America in the last week? Oh yeah... The brief arrest and detainment of Award-Winning Major Hollywood Director Ryan Coogler outside of a Bank of America in Buckhead, Atlanta, GA. Location of Branch (Google the address and leave a nice tasty 1 star review) NY TIMES ARTICLE I don't discuss the news story i…

1
NYT Article on Zelle Fraud and the Lack of Help Customers are Getting from Big Banks + VISA/MC Pull out of Russia 1:03:16

2+ y ago1:03:16

1:03:16

Awesome Article by Stacy Cowley and Lananh Nguyen about a topic you know I love to talk about: EVIL ZELLE. I have discussed my past with Zelle as a banker, the nearly $2 Million I have helped people get back from big banks with Zelle being a major method of clients getting burned, and how much I wish big banks had a "hard opt-out" for people who ch…

1
Big Banks Shutting Down Independent ATM Owners Citing Risk (My Thoughts) 59:16

2+ y ago59:16

59:16

Great Story by AnnaMaria Andriotis of the WSJ about a phenomena that has been occuring at a lot of banks. Independent ATM owners, also known as owners of those little non-branded ATMs you will see at your nearest low-end gas station or hotel are getting their relationships frozen and/or closed out at big banks, including BofA and Chase. Most big ba…

1
Bank of America Sued For Not Refunding Fees During Pandemic as Promised (I believe I had that...) + Viral Bank Video Updates 1:03:52

2+ y ago1:03:52

1:03:52

Thank you for over 20,000 followers across Tiktok, Instagram and Twitter. Today's podcast deals with a lawsuit filed which Bank of America is accused of withholding fee refunds during COVID after promising in a March 2020 news release that they would help people. I mainly discuss how this podcast predicted this over 2 years ago, because Bank of Ame…

1
Bank of America Burns Client Out of $33,000 when branch closes down + BofA's PPP Loan Forgiveness Apathy 1:04:37

2+ y ago1:04:37

1:04:37

Thanks to all of you for making my social media pages thrive. 17,500 followers over TikTok and Twitter: Today's topics: - Nick Jonas started following my socials. How that makes me more motivated to create more big bank content. - I discuss an ABC San Francisco story where a man deposited a $33,000 check at a BofA branch in Oakland only to find out…

1
Emergency Pod!!! Bank of America Merrill Lynch Financial Advisor Arrested after Tirade at Smoothie Shop!!! 58:39

2+ y ago58:39

58:39

This podcast is dedicated to James Iannazzo, who was arrested for verbally abusing a bunch of teenage girls in a smoothie shop in CT. The man is a now former Bank of America and Merrill Lynch FA, which means he holds a lot of money for a lot of rich people. The video of him assaulting these girls, went super duper viral this weekend, with even your…

1
Bank of America Tries to Scam Customer Scammed By Cab Driver Already for 10k, Wells Fargo Pretends to Eliminate Fees that Matter + MLB and BofA are No More! 1:08:54

2+ y ago1:08:54

1:08:54

We discuss Carolyn Said's story in the San Francisco Chronicle about Margarita Bekker, who was charged $10k for a cab ride, disputes with Bank of America only to be told it was a legit charge. I explain what happened on the bank side, and how the bank only helped her because she got through to the media. I then discuss Wells Fargo getting rid of "o…

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