Bank of America Reviews

I have a Credit Card with Bank of America. 99% of the time, I stay home and manage it online. Once in a while, a problem comes up, and I need to walk into a building and straighten things out. That was my situation. Walked into the Bank of America building in Frandor Center, Lansing, MI. It was my lucky day. No crowd, and some very friendly people asked how they could help me. Twenty minutes later, everything was taken care of by experts who knew what phone numbers to call. In a perfect world, this is how banking works. Recommend them? Oh yes. Every bank can offer a Credit Card. Bank of America offers a card, plus "backup", in case a problem comes up. Special Thanks to Colleen and Michelle, the dynamic duo of the Frandor bank.

My husband and I are in the hectic process of purchasing our first home. I came in a bit of a panic regarding a statement I needed to give to our lender. Nick ** at the Orland Park, IL branch is absolutely fantastic. He assisted me with not only procuring the document required, but also resetting my online banking app info, activing my debit card, etc. Nick made sure to follow up with me after a couple of days to make sure that I was able to receive additional documentation I requested his assistance with. Little things like this can mean so much to someone with a lot going on. He is an asset to BofA.

I just had such a pleasant customer service call with Bank of America! I’m a new customer, and I called the main line with a few questions about setting up my mobile account as well as ways to expedite the card arrival. The person who answered said she was “Aaliyah out of Virginia.” (May have spelled her name differently.) She was efficient, kind, human, and helped me with multiple questions quickly and positively. One of best customer service interactions I’ve had in a long time! Thanks, Aaliyah! Shout out to you! I hope somehow this gets back to you!

The Security Department saved us nearly 1,000.00 by flagging a Zelle Transaction. It turns out the seller was fraudulent and we surely would have lost the money if not for the diligence of Bank of America's Security Department. Heartfelt thanks for the job you do. We are so grateful to have you on our team. Thanks again!!

Our family recently arrived in the United States, and navigating the financial system in a new country can be incredibly overwhelming. We walked into the Gaithersburg branch on a Saturday, just our second day in the country, and were immediately greeted with incredible warmth by the branch manager, Sharon. She was professional, highly welcoming, and completely calmed our nerves. She clearly explained all the documentation and requirements we would need to open our accounts and set up an appointment for us the following Monday.

After nearly 12 months of paperwork, repeated requests for the same documentation, and countless back-and-forth communications, Bank of America has still failed to close our loans. Three months ago, we paid approximately $10,000 in closing costs in anticipation of funding, yet we continue to experience delays with no meaningful resolution.

This is the worst, unaccommodating, and stupid bank in the USA. Keep your money out of there! I spent 11 solid hours on the phone with them yesterday. Once they finally got me into mobile banking (I needed Zelle). I was assured my Zelle was ready to go, so I tried to send money. It was for burial plots. I spoke with 9 different people and was confirmed 9 different times. I am 33 yr customer. After all this was told, I could not send money to the seller in NC because she had a flag on her account. She is a freakin monster selling 2 burial plots.

My name is Yangzon. ** was extremely professional and courteous. This company needs more people like **. He is located at branch 18305 Biscayne Boulevard. Very polite and patient young man.

The worst bank.. Customer service stinks. Wait times are almost 30 mins. Debit card does not work. Charges for checking with absolutely no service.

I am a 84 year female with multiple health issues and have done business with B of A for 24 years and never had so much as a one overdraft or any other issues. Today I was shocked that they decided to reverse one of my daughter's disability checks. The amount was $718.34, which in doing so took part of my Social Security check. There is more than enough in my checking or my savings to cover the check if there was a problem, which there won't be. This has left me very disappointed in a bank I have always been proud to be part of. This is no way to treat a customer that has been a good & loyal customer all this time. Now, I wonder if this is preview of things to come as far as treatment of Senior Citizens? I wonder if AI is making these decisions? Based on this behavior I can no longer recommend Seniors put their trust in B of A. Thank you. Mary R from Nevada

**, Rachet and Low vibrational. I have been on and off with BofA for years and the horror stories just get worst and worst every single time. I was simply trying to get a credit limit increase on one of my cards as I have an excellent credit score and was just doing a general inquiry. When I spoke to the underwriting team I could not believe the level of service I received. The most hostile rudest condescending people I have ever spoken to. Disgusting. They have zero customer service skills. It’s like everyone there is in fighting mode. It seems to be a toxic work environment. They talk to you like if you're some type of criminal. Horrendous customer service. I’d suggest you bank somewhere else for any type of banking products. As soon as I get the chance to close this credit card I will be first in line to close it. Highly disgusting.

I was at BofA Herndon Parkway branch and had amazing customer service by Smriti **, She made the banking process easy and fast so I want to thank her very much! Thank you Smriti!

I had been an account or credit card holder for more than 20 years. I stopped using my BofA credit card as frequently because their rewards were not competitive and too many fees, and their website antiquidated. When my other credit card had to be cancelled and replaced due to a fraud charge, I had to use my BofA. Surprisingly it was on hold because an old subscription popped up to renew. It was a pain to get someone on the phone and they wouldn't let me access my account to pay on line. Even after I paid they said I wouldn't have access for 5 days. Just worthless!!! When I finally had access, I used my BofA card for a few things in Jan when I was in Florida on vacation. I never used the card again. I logged in to pay the balance on Feb 24th, and paid the total I saw. 6 months later my regular card has another fraud charge, go to use BofA and its on hold again.

I am writing to formally express my disappointment regarding a recent promotional offer associated with my new Bank of America credit card, as well as the customer service I received when attempting to resolve this matter. I applied for this credit card because the promotional offer prominently advertised 6% cash back, which was the primary reason I chose Bank of America over competing credit card providers. Based on that offer, I made qualifying purchases totaling more than $2,700, fully expecting to receive the advertised promotional cash back.

I tried to apply for a HELOC being mortgage free and my file was directed to Emelin Henriquez. I was prepared to submit all the information that was requested (basically everything but your first born). Every time I completed all the paperwork Emelin ** requested 1 more item. Finally my checklist was done ✔️. I followed up with Emelin ** saying everything has been uploaded to the portal and Emelin Henriquez said she would get back to me within 1-3 days. After 7 days I sent a follow up email. And was sent back an autogenerated email saying Emelin ** was out of the office for 1 week. No problem, everyone deserves holidays.

I stopped by the branch of BOA at 29 Water St New York NY 10004. I spoke to ** and asked about opening IRA account. He said sure and made appointment for me for the call back. He said that IRA account can be opened via phone. It turned out that an IRA account can ony be opened by in-person appointment. So ** has a title of Senior Banker at BOA. Question: If a Senior Banker of BOA doesn't have basic information about opening basic accounts - how he got this position at all?

I would leave 0 or negative stars if possible! With that said Their customer service is a complete dumpster fire and so are their practices! Then when you try to work with them they tell you to GFYS! Bank with anyone other than this company! They are complete Shite!

Boa has great perks on paper. The issue is they make using the perks so incredibly painful that few want to capitalize on them. To replace a HELOC I already have and is secured with by the house and funds in my asset pool, they wanted me to write a letter saying how I have so much money and justify how I make to money I make annually. The perks are only perks if you can use them. I asked why they needed all of what they were asking for and was told “it’s just our policy”.

Worst customer service ever. I deposited. Worst customer service ever. I deposited a cashier check from Well Fargo Bank, they put on hold for more than ten days and no one at Bank of America that I can talk to for reason of holding a cashier check from Well Fargo Bank, they put on hold for more than ten days and no one at Bank of America that I can talk to for reason of holding.

I have been a Preferred Honor member of BofA. I have had excellent service from my local bank. However, dealing with BofA Claims has been a great disappointment.

If I could give less than one star, I would. This bank has gone downhill and has the absolute worst customer service and policies in the industry. I am in the process of closing my accounts with them and moving to another bank. I hope to never deal with this bank ever again.

I would give a zero rating if possible. Bank of America is by far, hands down the worst financial institution I have done business with. Frankly I don't trust Bank of America with my money. Simple everyday tasks such as paying for groceries, when the funds are available in my account, ready to use and should be easily accessible, are complicated AF! As soon as I get my debit/atm cards in the mail I'm withdrawing all my funds and don't give AF what happens to the account when it closes because I guarantee you I WILL NOT be coming back. If this is how they do business with their customers, the institution will not last much longer. Furthermore, Bank of America seems to not care that I'm in a unique situation, meaning there is no physical locations anywhere close to me in the state I live in. The nearest bank is an hour away.

I am writing to formally report a deeply disturbing pattern of behavior regarding the manager, Elzora, at this location. As a loyal customer of over 40 years, I am appalled to witness her continuously harass and humiliate senior and disabled customers.Instead of addressing her history of poor customer relations—which led to her transfer from the St. Charles branch due to similar complaints—this company is enabling her to target our most vulnerable community members. I urge corporate leadership to immediately pull the security footage and launch a full investigation into her conduct on July 20, 2026, at 4:45 PM. How this behavior is allowed to continue is unacceptable, and I expect a prompt explanation of the actions taken to rectify this situation.

Worse bank to deal with, and now they partner with Zelle and the customer service is worse. Fraud claims are never actually investigated. Customer service will tell you one thing and do another. I recently was scammed out of $500.00 Zelle assured me they could dispute it and I would be able to show my proof I was scammed. Nope. They allowed the person to continue scamming and stealing people's money. I would not recommend this bank to anyone. There is no protection as their customer.

Encouraged to open a CC with a first year bonus of 3% plus a 3% first year category of my choice. Total 6% on internet purchases. Al other purchases 1%. Folks I get 1% and that's it. They just don't reward period.

I am extremely disappointed with Bank of America’s customer service. I have been trying for two weeks to obtain information about my bank accounts for a legal matter, and despite calling every day, my issue remains completely unresolved. Each time I call, I spend 30 to 45 minutes on hold or speaking with representatives who are unable to provide any answers or solutions. To make matters worse, when I finally asked to speak with a manager, the call was disconnected. This level of customer service is unacceptable.

I just called customer service for 3 bogus charges on my Bank of America debit card and the lady who I spoke to was amazing, very professional and helpful and very nice. She was able to resolve the issues fast and efficient. Thank you. Sincerely Steven **

I been Bank America customer for 40 years. Unfortunately happen to me I was SCAMMED for a very large amount of money... There was several unauthorized charges made by scammers from my checking account. To my surprise, I received a letter from BOA that my account is closed and will never be able to reopen my account again. I was totally shocked; after all these years being customer, instead helping me in this absolutely devastating time. No explanation why such a decision was made. I am very disappointed with this Organization.... I tried to call customer service; no one would tell me why they did that. Some of the associates were not very friendly with me as well.

I had a fantastic experience with Smriti ** at Bank of America, Herndon Parkway branch. She was so professional, knowledgeable, and incredibly patient, taking the time to explain everything clearly. She made a complex process feel seamless and stress-free. I highly recommend her for anyone who want an easy banking!

I wasted hours trying to solve a simple mistake BofA made. Unapologetically poor service, ridiculously bad phone support and disagreement between the branch and the main customer support made me decide to switch to a different bank. I encourage you to not deposit your money into this frankensystem.

Going to change banks due to a claim I made. They are saying I made a charge. I know that I did not. They are going to take the money plus any fees for investigating the claim. I am going to close all of my accounts and bank with someone else. I feel as though they are calling me a liar.

This review is for my multiple visits for the Cerritos Mall branch of BofA. Prior to my visit, I always made appointments to ensure I don’t have to wait. Each time (at least 3 times) in the past 6 months, I had to wait a long time just to check in since there’s only 1 person at the front, in addition, wait another 30 minutes for my appointment. What’s the point of appointments if they can’t keep them?

Predictably horrible bank, no concern AT ALL for customers, it's all just about greed. They're up to something with the new rewards program - there's at least one deliberately dishonest bait-and-switch mechanism involved. If you dig around enough... you'll find "Checking accounts may have a monthly maintenance fee if waiver requirements aren’t met." But of course the "waiver requirements" don't exist anywhere customers can find them. So BoA wants its commodities - er, uh, customers... to sign up for recurring charges by BoA without being aware of those charges. Really it's outright theft more than it's bait-and-switch... Almost an hour & 3 calls later I'm waiting on another callback after being hung up on by the system. Got the call back again - they simply do not know what the waiver requirements are.

No damn good. Don't go there. I'm changing Banks what sucks? Really sucks. Really sucks.

Stay away from this Corporation. I was a cardholder for over 25 years with 50,000 line of credit. I made two Zelle transactions, each for 500 dollars, two weeks ago. I have been trying to cancel them since the very moment I made them. I have been put on hold, transferred, put on hold for hours. Their chat options is the same total non-functioning. I canceled mine today. They have set up a dispute with the company I sent the money. They never got the money, so why is there a dispute? They didn't do anything, and they haven't been paid.

They won't change a bill into quarters unless you are an account holder. "But... You're a BANK."

I have been a Bank of America customer for over 20 years, and my experience has continued to get worse. I've been trying to remove my name from a minor account for a long time. Because the account was opened when one of the account holders was a minor, both of us have been told we need to appear together. The problem is that the other person lives out of town in an area where there isn't a Bank of America nearby. We've made several attempts to resolve this, and customer service, along with employees at other Bank of America branches, told us that both account holders could come into a branch together to complete the process.

My experience with Bank of America was horrible and disappointing. After banking with them for almost 8 years, they decided to close all of my accounts. No explanation given, and on top of that keep 696.18 on one of the accounts and 1,870 on another account. I am sick and on disability and they don’t care. They are saying they the accounts won’t be close until the end on August, do not open a bank account with Bank of America. They are deceiving and horrible at explaining or facing their customers, I wouldn’t want to go through what I am going through.

Wasting time waiting for customer service. Been on hold for over 50 minutes and waiting. This is not the first time that this has happened. This level of customer service is making me reconsider who I bank with.

I have now been on hold with the customer service department for 45 minutes. A check that I wrote cleared with an incorrect amount of money. I can't believe it is almost impossible to speak with someone.