Bank of America Reviews

Absolute worst company I've ever had the displeasure of working with. I regret every single minute I have used their services. They do not look out for their paying customers. I would not recommend them to my worst enemy. I will never ever bank with them again.

This is the worst bank to deal with for customer service. Don't get an account with this bank; go elsewhere.

For each of my credit cards at Bank of America, there's a disclosure for balance transfers that states regarding transaction fee "4% of each transaction amount. Effective Nov 25, 2026, 5% of each transaction amount, unless you contact us to reject by Nov 24, 2026.". This disclosure makes it sound like I have an option to opt out of the increase in transaction fee if I call BofA. It turns out that if I reject the increase, they will close my account. So stupid. Why do they even bother mentioning "unless you contact us". Idiotic policies.

Well first off I believe Bank of America has more buildings than they do employees because every time I go into one visit minimum of the 20-minute wait before you see somebody. There's 8 or 10 windows. Typically only one person is at one of the windows so I tried to reach them over the phone. After waiting 65 minutes on hold because I didn't opt for the call back the lady answered and started talking and doing a few things and then hung up on me. I called back very very aggravated and disgusted and opted for the call back. Waited almost an hour and finally got a call back and the lady was unable to help me at all. We've been with Bank of America since they took over Barnett bank I believe it was 24 years ago so we automatically got hooked up with Bank of America. Not very happy with the bank at all. Glenn

I had excellent credit score. I called the bank for another matter, and the guy talked me into a credit card, one I didn't need, but agree to go for. I got the credit card, and the bank immediately decreased my credit line on a credit card I use, and that caused my credit score to go down. It's my bank and it lowered my credit making my usage higher. It's a signal to others that my bank has an issue with me. I have never missed payments, pay way more than min on all bills. YET they did this to a customer of that has been with them for 30 years. I am now going to put paying off what I owe on my cards with them as a priority, and decide if they need to be my bank anymore. For sure will not be using their credit cards anymore.

One star cause I can’t leave 0. I opened a new account on the 8th of October. I was told my deposit would be available in 4-7 business days. I called the following week and now they’re telling me it will be available on October 20th. I needed access to that money to pay bills this week so I requested that they input an escalation to remove the hold. They asked me for all my personal info and assured me that I’d have my funds in 24 hours. 24 hours later I call and there aren’t even any notes of this incident or escalation.

I'm so tired of how difficult it is to get anything done at Bank of America. The most recent was getting a document notarized. I went to the first branch, and they only had one notary, and they were on vacation. Went to the second branch and they had a notary in the office, but then to be told they don't notarize Wills. This makes no real sense, since notarizing a document has nothing to do with the document itself. They are notarizing that you signed the document in their presence, not the validity of the document. If you need something notarized, go to UPS. They provide notary services regardless of the document.

I’ve been with BofA for 4 years. Been with the same job 4 years. I get direct deposit from my job. I also took a loan out at my job and it come in the form of a check. I put it in my bank think that I’ve been with them this long and the check is from the same job I should get it the next business day as I have any other check. But now all of a sudden when I have things to do they want to hold my check for 7 days and counting and I they want to do is apologize for my inconvenience that does not pay my past due bills while I’m waiting on you to clear a check.

I had a check for my landlord go missing and when he came to see why he hadn't received it, I told I HAD sent it. I wrote him another one and tried to track down the first. I literally got a call from BOA the next day to ask about a suspicious check. I talked to them and told them WHO the check was issued to and other information. I actually told them not to honor it and I'd like to have charges pressed against the person who tried to cash it. Well, they cashed it anyway and I got to see the check received by my bank. A bad forgery. Now I'm going back and forth between the two banks trying get my money back.

Due to a divorce, I received quite a bit of money. Some of it went to open a checking account at BOFA in Gurnee, Illinois. I also put quite a bit into CDs with Merrill Lynch, the investment section department. BOFA was happy to get the accounts until I asked to wire some funds to a grandson in South Korea. It was all downhill from there. Without any evidence, the bank's fraud department concluded that I was either the victim of a scam or involved in running one.

The worst customer service I've ever come across. Someone open up an account in my name as fraud and they continue to let it happen. They will not resolve the issue. They won't talk to me in the right manner. It's terrible. They just let this stuff go on. I had to put a credit freeze on my stuff because they will not have a conversation with me.

Horrible customer experience all around. Do not bank here under any circumstances.

I had bad experience with BofA manager. BofA wired my money to wrong bank in Europe, BofA computer populated wrong routing number. Banker used this wrong routing number, manager not only did not apologize but blamed me. I am changing bank.

They committed fraud on me by charging me $525.00 for a service I never received.

Worst customer service ever. We have been calling since August 4th when two cashier checks were stolen out of the mail. One check was replaced but the second one was not. We have called so many times. Each time after probably an hour, the rep agrees the bank owes the money. Last call resulted in us being told to go directly to the bank to get our money returned. That turned into tears because the manager was so rude and told the woman who was trying to help us to move on and not work on our problem. As soon as this is rectified my account will be closed. I own a business and will no longer support this kind of treatment or this bank.

I want people to know how Bank of America handled my situation. I’m a medically retired firefighter/paramedic. I was injured in the line of duty and now live on a disability-retirement pension while I wait for my Social Security disability hearing. My PSPRS disability-retirement payment is approximately $2,062 per month. Right now, that is my primary fixed personal income, and I still have two children I’m financially responsible for. I also had a Bank of America business credit card that fell behind. I’m not hiding that fact and I'm not claiming I don't owe the debt. Bank of America was aware that I was dealing with disability and financial hardship, and I had explained that I intended to address my outstanding obligations once my Social Security disability case was resolved and I had additional income available.

For 10+ years I made regular automatic payments. Then due to a bank processing change a payment didn't go through and I ended up with a $43 late payment penalty. I declined to pay to the penalty and BoA discontinued my account. After many phone calls and running my complaint up the chain of command, I paid the penalty. Never again.

After being a loyal customer for over 30 years, Bank of America showed me exactly how little long-term loyalty means to them. Trying to close my account was an absolute nightmare. I was forced to jump through endless administrative hoops and spent multiple calls sitting on hold for 30+ minutes at a time just to get basic tasks done. Shame on Bank of America for making it this difficult to part ways. Save yourself the headache and never bank with them.

Poor service at this Bank. The staff at this location 3809 Culver Center Culver City. I feel like it was a bother to them by me just being there. In the years I have been with Bank of America I have never seen this. There was three female employees. They didn't seem to care. Bank of America is a lot better than this. Please work on this or I'll switch Banks.

I am extremely disappointed with Bank of America and the way they handle deposits for business customers. Almost every time we deposit a check into our business account, they place a hold on the funds—often for seven days or longer. How is a business supposed to operate like this? We have employees, vendors, materials, bills, and everyday operating expenses that need to be paid. Cash flow is the lifeline of any business, yet Bank of America repeatedly holds our deposited funds and makes them unavailable to us.

This is the 2nd year now that BOA failed to acknowlege receipt of my home owners insurance. My insurance company has sent this in twice now, this is verified. I tried to contact them and got this BS AI that would not connect me to a human and didn't understand what I was talking about. Customer service here is NOT acceptable when dealing with large amounts of MY MONEY. This needs a serious investigation and heads need to be fired. I DO NOT WANT TO TALK TO A MACHINE!!!

I do not recommend banking, waiting for a very long time to speak to a ‘banker’ didn’t get any assistance. Seems like ‘online’ BOA and ‘ in Person’ BOA answers are totally different! No customer service skills.

I have been banking with Bank of America for quite some time now. I deposit a check into their account. They are holding it for up to 10 to 15 days. They sent me emails telling me that they were going to release it on a certain day then the week after that, they sent me another email saying they was gonna release it on that day. I called had to stay on hold for an hour and then asked to speak to a supervisor I got disconnected and no one even tried calling me back. I called back. I’ve been on hold so far again for an hour still no response back. This is the worst Bank I ever dealt with.

I wish I could leave zero stars… I’ve been with Bank of America 46 years. I had a checking account, two savings accounts, a trust account, a business checking account, a business credit card, a personal credit card, a mortgage and a safe deposit box with them. On September 24, I receive an email from them stating that they were changing my accounts, and there would be a $25 fee on the checking accounts, the trust account, and the savings accounts beginning October 6. I called the number on the email, I spoke with “Mr. **“. He was the rudest, most condescending person I’ve ever spoken with.

Go to Wells Fargo where you can receive great customer service. I wrote a check for $2500.00 to my wife (which I have been doing for 5 years). She deposited it into her account at B of A On the 21St of the month. It cleared that night taking the money from my account. B Of A then pulled the money back out of her account putting a 10 day hold on it. I asked for help in branch only to receive a phone number to the fraud department. I was told that as of today the 24th of the month that they still have not received the money and that they cannot remove the hold. 00000000000 Customer service BANK OF AMERICA! THEY SUCK SUCKS! Wells Fargo put a hold on a deposit I made two weeks ago. It was for $398,000.00. The bank manager made a phone call, no hold. Close your account at B OF A and move your money to Wells Fargo.

Predatory policies. Deposited my check from another account, held for 10 days even though $$ was taken THAT day. Won't release funds early. Rude, cold customer service.

The worst consumer bank on the planet. Do not use your debit card for any major purchases. This bank will not have your back and help you mitigate properly with the merchant. You will spend your time filing a claim and then months later get a letter they don’t approve with no explanation as to why which makes no sense after you’ve included much details in your original dispute.

I walk in to Bank of America at 9:16 am to get a notary from my bank. First they have to check to see if they will notarize it, which makes no sense. Then I’m told I have to wait after a 10:30 am appointment. It’s 9:16 am. It’s going to take you that long to stamp a piece of paper and sign it. Every time I go in that Panola Road branch the lady at the front will find a way to make you wait, nothing matter what the situation is. Their customer service sucks.

Worst bank - they want to charge you to close your account. DON'T USE THEM - see other reviews!

If you are military/government getting stationed overseas DO NOT have Bank of America. I’m stationed in Japan and they have locked my ability to do online banking; requiring me to fly back to the states just to verify my identity. I offered to get a notarized letter from the police, the embassy, from a financial institution on base… all rejected. Now my family has to spend thousands of dollars to fly home. They do not care one bit! Save yourself the headache and do not use this bank.

Terrible customer service. We have called BOA line 5 times. Each time we are on hold for 45 minutes before anyone picks up, we were disconnected 3 out of 5 times!! Then when we did get ahold of someone, they said, "Sorry. We are the wrong department."! So, we went to 1 of the branches and they tried to help and found the phone service sucks and they were on hold for 30 minutes before you answered your own phone call!! Until you call us back to speak with us, I will never call back again!!!

It took me almost an hour to try to add an external bank account to pay auto loan payment, then have to wait 2 days to "verify" external account because you wanted me to use my BOA checking account to pay it instead. That is annoying. Sacrificed time and convenience of customer for BOA benefit. Not user friendly. I wish I could move my auto loan so you don't get the benefit of the interest because that is so dumb.

Bank of America allowed a restaurant to double-charge my account through online banking the day of purchase and then took out the amount on the bill 4 days later. Bank of America allowed this restaurant to take out very 119.00. Bank of America is running their bank like the President of the United States.

Not sure why the AI Virtual assistance is listed as a "Pro" for BoA. Every time I try to use it I get transferred to a live agent, so it's just a waste of time. Recently the live agent couldn't help either, so I was transferred to the 800 number and on hold A VERY LONG TIME. It was a simple question too. Definitely something a live chat agent should be able to handle. BoA service stinks, and I think they know it. But I'm guessing they don't care because they are in control and still making money.

These scumbags were given my unemployment checks directly, I had no say in the matter. I went out of town and they turned my debit card off. I called and explained I was driving halfway across the country so please don't turn it off again. I get where I'm going only because I had cash on me mind you. Few days later turned it off again. Called, explained again being very nice. Turned back on. Few days later turn it off again. Now won't answer their support line and kept hanging up on me when they did. I drove 2 hours to their closest branch to be told they put a hold on my money. 7 hours on the phone playing a be nice game for them to allow me to get my $$$. The manager of bank was straight up can't too in Broken Arrow OK. I tell everyone never use these scumbags!

I deposited a check at Bank of America in Grayslake on the 8th of September. I got an email saying my check would not clear into the 16th. I'll call the person who wrote me the check and they say they have already taken the money out of their account so why is it that the money is not in my account. Why does it take a week or more for a check to clear. Bad business. I have no money to buy me something to eat. I have no money to put gas in my car. They're holding my money. It would not give it to me. I will be calling my lawyer.

The worst customer service ever. Associates not well trained. Unable to resolve critical issues. Being contacted twice in regard to the same issue.

I am customer for a Bank of America for a long time and I do not have any issues as long as I have dispute charges and recently fraudulent transaction. I made immediately claim and in received letter that was stated that I get temporary refund for the fraud transaction. However it didn’t happen and today I spent two hours on the phone with four different associates without solution because they disconnected with me. I really didn’t trust Bank of America and I worry to used their credit cards. I am very disappointed about whole system of bank regarding customer services and their lack of quality.

Verbal complaints at Aisha **…. Bank of America. Did you know that if you want to file a complaint only this person can help you and no one else is above her? The only way you will be heard will be through a written letter. We all know how that is handled. 2 hours and 53 min I was bounced around to five different departments. Their entry level team members cannot tell you that the reason they cannon accommodate your request is because they are afraid of the Fair Lending Act. I guess that is fair. Please provide a public phone number and address. I need to take another 30 min of my life to type a letter that no one will read.

I had been banking with Bank Of America for 18 years. They flagged my payroll check and put it on hold for 10 days!!?? They could contact the bank that they issued to check and make sure, the check is Legit!!! That should not take than few minutes to release the check. But they had to to put it on hold for 10 days. I closed my account with them. I won't recommend anybody to do any type of Business with Bank of America. They will make your life Miserable!! Shame on you Bank Of America.