Bank of America Reviews

I've had nothing but problems with the website & APP. I recently was forced to make my payment using their automated phone payment system. It looked like it worked. I even got emails thanking me for my payment. Then two weeks later I got a late payment collection call from them. Three hours later (mostly on hold & after getting disconnected twice) I demanded to speak with a supervisor & I think I've resolved the problem, hopefully with no late fee. We shall see. I told them to put me back on snail mail paper billing & I'll write them checks until my balance is paid off...then, it's goodbye BOA!!

This all start when I checked my account in my phone app and found several debit holds on my checking account with no vendor names attached to them. I called the number on the bottom of the app for fraud in hopes of finding out what was going on. The first CSR I got said that she could not tell me why but the holds were put in place by BOA itself. She then transferred my to another CSR. An auto reply asked if I had gotten a letter and if not put my social in and wait for a person to answer. When I finally got a human we went through everything to prove I was who I said I was. But she said that she could give me any info on the account and it had been frozen due to him husband also being on the account and the freezing of the account pertained to him. My husband has not used this account in over 15 years but for some reason BOA took it upon themselves to supposedly send him a letter to update his personal information.

When I opened a secured credit card in Bank of America Walnut Creek, California branch (North Main Street, 94596), the manager told me that in a few months, I will graduate from secured to unsecured and my credit limit will increase from $300. I was also advised to use my credit card and make purchases. I did. I also paid full credit amount on time all the time. However, after seven months, I called and requested an increase and was declined. They made my credit card unsecured but it was a joke because the limit was still $300. I tried again 10 months later and was declined again.

On a scale of 1-10, giving their customer service and client relations team a 1 would be generous. I was put on a "brief 1-2 minute hold" which in reality was about 15 minutes. After approximately 5 hours on the phone, I was told by a manager that there was nothing they could do for me. The worst part was the manager asked to call me back with more information. When I received the call back, he left me a 15 second voicemail asking to call him back at the 1-800 number. It took me another 20 minute call just to track him down again to hear he couldn't help me.

Somehow Bank of America processes all the EDD Cards for the United States after being one of the companies that stole billions from its citizens. As if that wasn't bad enough they still try to rob you anyway they can. I never received my EDD card so after waiting almost 3 weeks they finally told me that the card was never sent so I would have to pay $10 to get a replacement card for a card I never received in the first place. Then I used a Bank of America ATM machine to withdraw money from the card and the keypad doesn't work and the machine ate my card.

Recently went into the branch to see a customer relationship manager about changing my address. However, the lady at the reception (can't remember her name) would not let me see a relationship manager unless I also wanted another credit card. This made me very frustrated - so I can't see anyone unless I open a new account now? I told her I'd like to speak to someone, and she kept insisting I go online and she'd only get someone if I wanted to open a new account, otherwise I can just go online. Very disappointed with this customer service.

I never write reviews but, I'm beyond upset with Bank of America. I filed a dispute for $505. I was told I have to wait 45 days for my claim to be reviewed. I couldn't wait so I asked for a credit. They told me I couldn't since I was new member. Since they couldn't I contacted the merchant and the merchant gave me a refund. The merchant stated I would get the refund between 3-5 business days. I said ok. I contacted BOA and ask for the release of funds because the merchant gave me a refund. They said they couldn't do. I said ok. Gave up.

I have spent the last ten years completing my bankruptcy terms. Not one missed or late payment. Credit score now ranges from 780 to 810. All sites consider excellent. Decent amount of accounts to verify. While yes I did have issues from 2008 so did they. They took government money with no shame, so why am I being denied a second chance? What is ridiculous is murderer's have spent less time in prison than people who file for BK. This bank does not care about you or anybody for that matter, they want to use your money to make them more money hand over fist. Just to be clear the credit unions are far better if you want those "holds" to not apply, or want a loan that same day. All these crooks want is to hold your money in float as long as they can so their money pours in without you knowing it should be yours. Run While You Can!

My husband and I had joint checking and savings accounts with BoA. Both accounts were established for several years. One day I called to verify a deposit. I was told they couldn't provide me the information as I was no longer on the account. She did tell me my husband could get that information plus she listed the other person who appeared on the account-my ex husband of years. The ex had no knowledge of these accounts nor would he have cared and he has never banked with BoA. And my husband didn't remove me and add my ex. Plus this would require signatures of which there were none.

Despite being a customer since 1989 and a PLATINUM HONORS member, I still receive utterly disappointing Customer Experience all around. Here are recent examples all in the past week: Went into a local branch to get wire service. Was asked to wait in the lobby, where I did for almost an hour without any service. Eventually I just walked out. Called BOFA customer service, which is highly automated upfront, and after being recognized as a legitimate account holder, the systems puts me on indefinite hold, over 30 minutes, nothing...just a black hole. Called again twice, and the something happened. Clearly they have IT issues as well. Disappoint Bank of America customer in San Francisco.

I’ve been with BofA for several years now. Their customer service continues to get worse. It’s not just the call centers, but the local branches are trash as well. I’ve had several issues with them, especially when it involves moving money from their accounts to others. I am so unimpressed with how poorly organized and run this organization is. I will be moving all of my money out from BofA in the very near future. Terrible bank. Wouldn’t recommend.

I deposited a check from MoneyGram, made out to me into my BOA account at their ATM. I've banked with them 25 years. They put a TEN DAY HOLD on the funds. TEN DAYS!!! When I called to complain, they took off the hold (it took 2.5 hours of talking to multiple people). Four days later? They put the hold BACK ON, without notifying me at all. Nothing had changed. The hold is supposed to come off tomorrow, the original 10 days they had initially held it for. I'm closing my account asap. This bank is a nightmare.

I got an ID theft and all my information was hacked thru my computer. My Bank of America credit card was charged and my phone app alerted me, then I reported to the related commercial stores such as eBay, Walmart, Amazon.. Then I was advised to contact my Bank of America. All the purchases had been in pending and some of the purchased were cancelled by either Ebay, Amazon and Paypal, but the last one purchased from Walmart wasn't and after 3 months via around 20 phone calls made by me, Bank of America investigation department failed to do their job, which was investigating the incident.

Yesterday I called BOA to ask about refinancing my home, I said I was exploring my options. They asked for my name and the co-owner of the house. Email address and phone numbers. I am a Bank of America customer so they had all my information. After speaking with a representative, it was decided that it was not a good time to refinance and we ended the call. 15 minutes later I received a call from LifeLock that I had a credit inquiry to open a new account. I tied to call BOA many times today and was transferred all over and could not get anyone to help me. I am so disappointment with them, I have been a BOA customer since 1998. Terrible customer service trying to get this resolved.

When my children were of elementary age their Godfather opened them each a custodial Savings account with Bank of America. A substantial amount of money was deposited into each of these accounts. We decided that custodial savings would be the best option since the money was to help pay for college expenses or for their first vehicle after graduating High School in the event that they opted not to attend college. We received bank statements for many years until we moved. When my daughter was 17 she needed emergency cash for a vehicle since she was working and finishing her senior year of High School so we went to BoA to inquire about her getting access to the funds. A BoA representative pulled up my daughter's account informing us that my daughter was the only person that will be able to withdraw from the account but she wouldn't be able to do so until she turned 18 years old.

Agent in the past set up an automated re-payment for my credit card. Today I find out I have a late payment and am charged a late fee of $27. Call first agent. After 33 minutes, she picks up. Find out that the automated repayment only lasts for a year and the agent just happened to forget to tell me. No notifications at all btw that the automation stopped. She refers me to the dispute center. I wait 20 minutes. I learn that they can't do anything. "Next time tell them to tell me that it's a one year automation." In the back I hear another agent say something along the same line to another customer. Even reading this is likely to give you some sort of disease.

This is absurd. Checks were processing, a cash deposit was made to cover the checks. BoA didn't apply the cash deposit resulting $105 in fees and a returned check item. The excuses and rambling from the customer service rep and the manager-Andrew, were completely disappointing. I have had this account since the early 80's and have not experienced such disregard or lack of empathy. I know that there is options to rectify a situation such as this! I have an account at Wells Fargo as well - guess my business will be moved.

BoA locked my cards when on a trip in the Colorado Rocky's. I had set my cards with a travel notice but BoA still locked my accounts. I spent 4 hours on the phone only to be told that I would only be able to withdraw $100 dollars and would have to wait for my new cards to arrive at my home in Texas. I was only 2 days into a planned 2-week trip. Once home, 2 days later, my cards didn't arrive for another week. I wasn't allowed to withdraw money from accounts during this time and was forced to rely on friends to feed me. Because of the short notice, I was unable to reclaim many of the reservations I had made. BoA gave me the cold shoulder when I complained and even tried to gaslight me into saying the issue was my fault. If I had to change anything about this event, I would filed a small claim against BoA for my losses.

Although I'm not a fan of banks I used to like Bank of America because they had one of a kind virtual teller assist atms that were open until 10 pm most days . Sure they had a rather high fee but I could go in and cash a check after bank hours which was the saving grace for someone like me who is always at work during bank hours. And I know I was not alone in my appreciation of the teller assists late hours since there was often a 1 or 2 person line after 7 pm.

After 20 years with BOA, they made a “business decision” to close the account my wife and I had with them since the beginning. They also closed our sons’ (22 and 19 years) accounts. All without any warning. The four of us were traveling 500 miles to attend a family member’s college graduation. While attempting to purchase gas 3/4 of the way there, we learned that none of our debit cards worked and since it was after 9 pm on a Friday, we had to wait until Monday morning to talk with anyone.

Here is why I left Bank of America years ago:

It is so frustrating to try to get to a person and actually resolve an issue. The phone menu is impossible and the waiting times are absolutely insane. You really have to plan your day and plan for 30 to 45 minutes when you have to do paperwork so you can be productive while you are on hold. I absolutely hate contacting Bank of America, my blood pressure raises at least 20 points if I have to contact them.

I have been a Bank of America for over 20 years. I deposited a check from a financial company on Tuesday around 10 AM at their ATM. Please note there were no options given or did I get a message but they waited til I finalize the deposit. Then send me a message on that receipt that the check will be on hold for 7 days. May I tell you that I have taking this loan to bury a family member. Was I told during the deposit that they will hold the check I will have canceled the deposit and take the check elsewhere. I feel that I was mislead by this bank. The check amount was less than 5 Thousand dollars. I tried reaching the bank to see if they will at least issue a partial fund. I was told no. So not only I lost the ticket that I purchased and my father body remain on hold because the bank has an hold on the account I am stuck and stressed. Horrible bank. I will close my account and family.

So I have been waiting to receive a new BOA debit card since April 15. It is now May 7. I have received no card. The first time I reported this issue I spoke with the fraud department over the phone and they informed me that it would be five to seven days. Nine days later I called back. They told me the same thing 5 to seven days 9 days later. I went back nine business days no weekends. The guy was very nice. He said that I should have received it. He gave me a temporary card and told me five to seven days.

Do not use Bank of America. BoA intentionally causes my account to be overdrawn. I can not tell you how much money over the years I have given them in $35 fees. A few years ago there was some type of lawsuit and I receive 2 checks for insufficient fund/overdraft when in fact it was BoA intentionally causing my overdraw. Recently again it seems my account is negative every week. Since February 16 I was charged $35 fees 16 times! Last year I called and they told me I can change my acct so they decline the charge if acct insufficient, and then I sat down with an account rep and he told me there is no option to opt out of overdraft protection? I told him when I called 800 # I was assured I could request all transactions be declined if funds unavailable. So that was another lie I just found out; I do not write checks so all these overdrafts are from debit card transactions.

I thought I had lost my card so I locked it using the app. I found it so I tried to unlock it. It said call customer service because I had not updated my phone number. I gave them my new number but they refused to give me the code to unlock it saying they could not verify it was me. I went to the branch on Monday and sat there over an hour with one of their customer service reps. They stayed on hold 30 minutes but it still is not fixed. I feel like closing my account if this isn't fixed tomorrow.

Tried to cash a check made out to me drawn on Bank of America and they wanted to charge me $8.00 on a $200.00 check. If this is any indication of your procedures and policies, well, what does that say to anyone considering doing business with you? Not the first horrible policy I've experienced trying to do business with this bank. Every other bank I've done this same transaction with does not charge! I hope you enjoy ripping people off! But things always work out in the end.

Been with BOA since 2003. May 2019 transferred $200 from savings to credit card by accident (on mobile app, meant to transfer to checking). There was no cancellation button. I waited a day and then transferred the negative $200 back. Was charged $10 and BOA refused to reverse the $10 charge. Cancelled all accounts.

Media branch of Bank of America encouraged me to open a new savings account for a deposit of a large check for $245K. They gave me a slip stating that $5k would be available 3 days after the deposit at 5pm and the balance would be available 7 business days after the deposit. Without notification, they rescinded the initial availability of $5k. The total amount will now not be available until 9 days after my deposit.

Yesterday I went into Bank of America on Cattlemen and Bee Ridge in Sarasota Florida. I deposited $6000 into my account and needed to have the money sent by wire transfer to a title company which would only take about five minutes. The teller at the counter informed me that they only had one appointment for later that afternoon at 2:30 so she tries to book the appointment and then she tells me, “Well now there’s no appointments available.” She calls another lady on the phone and tells the lady on the other end that she’s having trouble booking the appointment that five minutes ago she told me I could have. She hangs up with that lady and then tells me that somebody must have booked an appointment on the app so they have no more appointments all day long to do a five minute wire transfer.

BOA doesn't have anyone in this branch at Slaughter and William Cannon that cares about their customers. There's one lady and only one that handles the teller function. All the other people stand around and do nothing. Yes, yes I can change banks, however I am very busy. Have many accounts both business and personal and credit cards and it's easier said than done.

I was a victim of a scam in which $1700.00 was taken from me. The experience in attempting to get my money back was probably one of the worst customer service experiences I ever had (I have just learned that I am not getting my money back); the most egregiously incompetent service wherein the people on the phone speak like robots and have no intelligence; they all failed many times to even refer me to the proper department among other incompetencies. Trying to even reach the right person is a grand nightmare. The service could not have been worse. Not surprisingly, because of this awful experience, I am closing all of my accounts with Bank of America and will be opening accounts with another bank; the worst customer service experience in my entire life. What an awful bank!!!

One day I was negative so that very same day I deposited funds to my account. I went to sleep with a positive account, enough to cover a payment I knew would come out the next day. When I woke up, to my surprise I was hit with 4 overdraft fees. I called the bank immediately and after being transferred to a supervisor the best she could do was remove two of the fees because she said I would have had to make my deposit by 8 pm Eastern time (I am Mountain) for it to reflect on my account as same day. So it didn't even matter that my account was positive with available funds (ridiculous!).

They charge for almost anything that you can imagine! I was dealing with a nice rep but had to close my accounts because this task of keeping track of hidden fees, was becoming a part-time task, as repeated warnings did not pay off!

Went to BofA to cash my payroll check as I have for the last 4 Years. Without even checking it at teller window the called the manager who asked for 2 form of ID. I gave them my drivers license and insurance card. After 5 minutes I asked them how long it was gonna take. He said 15-20 minutes. I told I couldn’t wait because I was only on a break and had to get back to work. I asked for everything back and he said not until after the verification. I asked if I could have my drivers license back. He refused to give it to me.

So I filed a fraud claim back in January 4th, and I’m still waiting for this guys, they keep denying and reopening after I send them the documents they need, it’s ridiculous that I have to go through all this, they also told me to talk to the cops and to tell them to contact the other offices outside of the country since my incident happened outside of the country. I filed a police report, sent them email in regards to the alerts, it’s 1,300$ and they just won’t do their job or want to pay, it seems like they are just acting like idiots because they all keep telling me different things and they point fingers to each other. Do not recommend this bank at all, never had such a bad experience.

I received a Cashier's Check from a lady I sold a car to. This was a BOA check signed by one of their Mgrs. They would not cash the check, even though it was their own check, unless I had an account with them. HUH! But it’s a cashier's check from BOA. She told me I should go to my own bank to cash it. Any bank that won’t honor its own cashier's check, should not be dealing with the public. I will never have any dealings with BOA, ever. This is something usually found on a stable floor.

I called BoA's fraud department after noticing a $50 unauthorized charge from Google *CCI Intelli. The guy that picked up the phone mumbled throughout the entire conversation. Didn't catch his name and barely managed to understand when he asked for mine. I don't know how he managed to pull up my info because I only provided him with my first and last name, no middle name nor birth date or anything of that sort. He told me I had to call Google because they would be able to give me my money back, not BoA. "If you can't get it from them, call us back and we'll help you then."

After today this bank has taken on step too far after spending 3 hours in the phone still no resolution the people lie and are very condescending, after being a customer since this back was Bank Atlantic. Had my identity stolen and just every few months my card being closed down for account comprising. I’m starting to wonder if they are stealing the information!

In trying to free up credit to improve credit score, I made a large payment of more than half my credit limit to free up credit, was working on this card first. In return, they reduced my credit limit and stated this was based on review of account for late payments. I told them I was on maternity leave and would pay as soon as I got back to work. And as soon as I got back to work made payment of more than half the balance. So my baby was 3 months old when they decided this and the following week I went back to work and in less than a month made my substantial payment and then immediately after receiving the payment they reduced my limit. I am furious. Had I would have know this is how they operate, I would have paid them last.

I have been with BOA for over 12 years. Decided to get the Alaska Card about 3 years ago because my son was almost born and we were hoping to travel. I recently received 2 emails that said the first account was closed and my Alaska card account was lowered...And yes, I said it was emailed. 12 years and no phone call. Come to find out...they ran my credit and my 747 points were not enough to keep 2 cards open. But they couldn't call me. I called to talk with a specialist but was told they would have to rerun my credit and yada yada yada... Dear Alaska Airlines...you are a great company. Please pick a better one to represent you! Rhonda **.

Bank of America lies and tells you everything is ok with your HELOC application... Then you go through all the work of getting the documentation and get the "Ah-HA" moment. They intentionally lowered the appraisal of my home over $225,000 from the Zestimate on Zillow so they could give us a HELOC below the $100,000 and not give us the introductory interest fee of 3.99% for first year. (They "claim" the loan to value was too low, but the Zestimate and Comps around me were so much higher than their "appraisal").

Bad customer services all the time. If you call them you have to wait 45 minutes until they answer. Poor system, if you have fraud or dispute on your account it takes forever to be resolved. Never deal with this bank or do business with them.

I have solid evidence Bank of America is cooking the books, and they deflate and inflate the balance in their favor. I have recorded conversations with customer service, screenshots, digital paper trails I have created by transferring funds from my deposit account into my purchase account right before I make the purchase and I zero back out each time. I know they inflate the balance, manipulate the posting order and deflate the balance on the posting order so they can steal money and access fees. I want to initiate a class action lawsuit and I need other current or past customers with same or similar issues. Please message me if you are interested.

I deposited two Checks were were backed and cleared by the account of checks bank. Bank of America unnecessarily put holds on both paid for checks throwing my account into negative. Self made bad or negative Checking Account by this Bank. The availability of checks paid were confirmed by Bank Of America Manager in Woodbury Site and still she refused to release my money into the account. What it did not make sense is that Mrs. **, "due to previous or past negative balance in my account" she is unable to release my money. The problem is their intelligent decision smart deposit computer system. If you stop putting HOLDS on people's deposits that are paid they couldn't go negative in the first place. I should have listened to a friend to beware of this Bank's games. -Beware.

Bank of America is currently taking out my payment from my checking account everyday. This has been going on since April 8th. No one can help. I cannot remove the checking account because it's the only one listed and when you try to remove it, it says you cannot remove it without giving another checking account--don't have one--they are STEALING! No one has an explanation or reason and they can't fix it. Unbelievable. Will be talking with the checking account people about removing that checking account and starting all over again. They are thieves.

Bank is charging my account a fee to have checks printed on my statement WITHOUT MY REQUEST OR CONSENT! I called them to ask what the fee was for and they said that it was one of the options that pops up while doing online banking and that it was already pre-selected and that I hadn't unchecked it! Sorry, but that is a sneaky way of scamming people! If they are doing the same thing to the thousands of customers, Bank of America must be collecting a good chunk of money only on this simple and stupid option! I also asked them if they could reverse the fee since I hadn't requested the service and they said that they couldn't! Trust on Bank of America is gone!!!

My husband deposited a check to perform a potential job, funds became available right away then found out it was a total scam, check bounced. It is the bank's job to do its job and flag that the check was fraudulent in the first place. They cleared the check and made the funds available. How is it our fault?? We entrust in the bank, why should we get penalized? He immediately went to the bank to file a fraud claim, did all that he was told to do. Was still waiting on the final outcome which he was told they were still working on it. Then found out BOA took money from my personal account to offset the negative account just because he was on my account even though I wasn't on his account.

I initially applied for this card after using their card finder tool. It displayed here are your offers. I was instantly denied on reconsideration. Call a helpful analyst. Advised me opening a savings account with Bank of America would help. I opened it and applied again after being prompted to do so upon completion of opening my savings account. After a few days of the card being in review and confirmation of savings account being open I called back and the analyst said he didn’t see the savings account being open yet but denied the application. At first this disappointed me but my husband suggested writing an email to the executive department. I doubted it would help but to humor him I did. He found an email address for Mr. Brian **. I emailed him and explained my circumstances and asked for reconsideration.

I have been banking with this institution for over 10yrs. When I deposit a check the funds are on hold for over 7 days, and not even 3% are available right away. Their branches are with huge lines most of the time. The ATMs don’t work most of the time. Also, the staff always say “I’m sorry, I’m sorry” but no help AT ALL!!! I WOULD NOT RECOMMEND BoA to bank with!!! IF I COULD GIVE THEM 1/2 OF A STAR I WOULD!!!

I felt like I was getting scammed. They charged me $250 from an account that was closed in 2014 and it’s 2019 now. Never will I ever go to that bank or recommend that bank to anyone. They told me the charges came after the account was closed and that I couldn’t do anything about or even file a claim for fraud.

I deposited a $5,000 check from a business into our business checking acct. I expected the money to be in our acct the next day. The check was from a business whom my husband works closely. When I checked our acct the next morning it noted a 10 day hold. My husband called the co who sent the check and they were going to wire the money to us but checked their acct and the money had already been taken out of the acct by Bank of America.

I have used Bank of America for a year and half now and have not had an experience such as this until now. The merchant has cancelled the transaction DAYS ago and you are not releasing my money. Every time I call it is a different answer... Give me my money!!!

I have had it with BOA, I went today to cash a payroll check and as always they said swipe your card. I did and the teller said show me ID. The card shows another name (my wife's). I looked at my card and it showed my name. I asked isn't my name on that account? She said yes. SO I have a check with my name, I have a card with my name and an account with my name and she wants more ID? Why? They have gone over the top with things. If there system was not so screwed up they would not have to worry about this. What's next having to tattoo our account number on us to show them.

I spent an hour on the phone today (15min involved actually speaking with a BAC phone associate, and the rest of the 45min was hold time waiting to speak with a manager). Holly O'Neill, this is the epitome of poor customer service. I've been a customer with BAC in its various forms since 1995. When did BAC values change from doing the right thing for its customers,... To creating a business model where the banking services BAC provides are slanted to the convenience of BAC? HORRIBLE!

The claims department did not return my money back to my account as they have taken money out my account due to a claim I filed in 2018. This year 2019 claims department overdrawn my account saying I owe them. I do not owe BOA, BOA owe me $100 after BOA took $200 from my account. My dispute was $100 taken from my account from another party without my knowledge. BOA did not think of me as their customer. Instead BOA reverse my $100 to the other party and then BOA close the claim.

Received some inheritance from my grandmother. Paid hospital and funeral home fees from the balance made available. Next day all the money is out of my account and the cashier’s checks with MY NAME on them are frozen. It's been a week without money and I just missed my car payment. Extremely unprofessional which is surprising because usually places that do things strictly by the book don't present themselves in such a way. I have another checking at BECU and they are a much MUCH better bank.

Just tried to do a travel notice. Now BoA will not let one do it over the phone, has to be done by phone or computer. This is a great example of BoA solely wishing to become an internet bank and not have to deal with its customers. Very disappointing especially for elderly people, would appear BoA doesn't care or want them for customers.

This is on me... I was not routinely overseeing the distribution of my mortgage payments to interest and principle. I have always paid on time and at least the amount due if not more. But now that I'm reviewing my account history...OMG...what a bunch of (A) thieves or (B) incompetents. Avoid doing business with Bank of America. Please.

They call me at work and my cell. Sometimes 3 or 4 calls a day... hang ups. I called and asked to have my number removed from their system but that hasn't seemed (THIS HASN'T RATHER) to work.... because I am still getting calls, calls, calls!!!! I should have started this by saying that if Bank of America was THAT GOOD, I'd be calling them. They wouldn't be calling me for my business. Tells you something about ANY company that calls you. Keep this in mind when you get a call from them or anyone else from any company. It simply means that their department heads are pushing the cold calls on people because their business is lacking in some way! Period. IF they were "all that", they'd be hiring more people to TAKE calls, not to make them.

I have been a customer for 15 years same account and I have had multiple accounts ranging from credit cards to savings and now a business account. I have not been more dissatisfied with their customer service until this past month. I have called on 3 occasions because of a situation with some transactions that I incurred through my account. The customer service is the most horrible it has ever been.

My wife made the mistake of taking out a 0% CC, transferred funds from another card and proceeded to use the 0% card for purchases since there was still an open balance. She would regularly make scheduled payments to the CC. Unbeknownst to her, the 0% only applied to either a balance transfer OR purchases... but not both. Their advertising was misleading and of course, knee deep in the fine print said that the 0% applies to either or and not both. Since she never looked at the statements, high interest was racking up on the everyday purchases without her knowledge. The regular payments she made went to paying off the 0% transferred debt, not the regular purchases with high interest. Meaning you have to pay off the entire transferred debt before payments go towards the reoccurring debt. I caught onto this after over a year when I logged onto her account to pay off the debt before 0% term was over.

Bank of America has the most arrogant system I have experienced. It is not hassle free. If you do not like a hassle, avoid using this loan / banking service. I have been with Bank of America since 2013. Every time I need to use their mobile option, it is painful. I have had many mobile experiences, and the Bank of America technology; as well as, lengthy drawn out robot system lacks the desire to deliver a satisfactory customer experience.

My new job pays in me by using BOA small business checks. My bank is horrible too & said, "It would take 7 days to clear but take it to BOA they'll cash it" (like every check printed on a specific bank). I go into BOA this morning and I'm told she has to call her manager. It's a set of specific guidelines they have to follow. The manager comes, never touches the computer to pull up the accounts numbers, looks at me & says, "I'm sorry. We're not going to be able to cash this. It doesn't fall into a specific guideline." I ask, "What guidelines? It's your check," & it dawned on me I wasn't the right color because what she was saying didn't make sense. People of color DO NOT BANK HERE!

Not unlike so many other people I too have had one bad experience after another but the last one took the cake. I went to make a payment on my BOA Master Card of $202.09. Because I put a comma instead of period they debited my checking account for $20,209.00 How that even happened is beyond me because the comma was after the 2. In other words, 202,09. How does that translate into $20,209.

This branch is a good example of how the company views the value in face-to-face transactions from their customers. Almost non-existent from my personal experience. It's obvious they loathe having to spend money for tellers to service the great unwashed they see lining up to do deposits, cash checks, get cash, etc. Be there any day at 8:57 when they are scheduled to open @ 9:00.

This card has very high-interest fees, and when you call Bank Of America for them to forgive you for a fee, that you were not aware that you were going to get, Bank of America does not work with you. And many of the representatives get extremely argumental with you. I feel like that is very unprofessional, but they must be trained to do this. I don't recommend this card at all. You're basically not a valued customer as far as fees go.

10:08 AM calling BofA.. Returned call by BofA 20 min later. Agent Ashley is on the line. Me: explaining the issue, acknowledged by agent after verifying account status, My request to BofA is a) to provide me with an interest free loan for the duration of the hold on the certified cashier's check in the face amount of $3500. b) to pay interests for the duration of the hold on the check's face amount. Longgggg process shortened: After being connected to Jolanda, Christa, Mariya, Matt, Patricia, Raymond, and Larkin in various, allegedly competent departments, after significant hold times, No Solution to access to funds during the mandatory 10 days hold. Concluded @13:14 hours. Calling branch was deposited at: call is terminated, hang up, before talking to life agent. MINUS 5 stars.

I deposited my $12K student loan in my BOA account and each time I make a withdrawal, Bank of America will repeat and repeat same transaction and debit my account multiple times and later wipe out the history of such repeated transactions while they had debited my account. In 2 months, my $12k savings was gone. Bank of America is the most fraudulent bank I know. I moved my account now to Wells Fargo, a bank I can trust.

Worst experience in personal banking. Made a deposit with my employer's check from Wells Fargo and they placed a 10 day hold telling me that they are not sure of Wells Fargo's worth. The check might bounce. This was told to me by April a customer serv rep and when I asked to speak to her supervisor she told me I was wasting everyone's time. Did speak to a Andy ** who raised his voice at me. I asked for them to release at least 1/2 of the funds to be able to pay my utilities. They told me to make arrangements with the utility companies to pay late.

My son opened a checking account on March 21st and the next day he went into the bank and they informed him that they had closed his account and couldn't give him any further information, and they would mail him a check in the mail, wtf. You guys are a bank you have all the money in the world. Why do I have to wait on a check. And closing my account without explanation is downright unprofessional and bogus, this is the worse bank in the world and they need to be shut-down. You go to any other bank and you will not have any problems. This is crazy.

I opened a business checking account with 100. Added 5000 about a month later. No other activity. They withdrew 888,888 to according to customer service to freeze my account. I can't get an answer to why other than "read agreement I signed when I opened account" and they will "mail me an explanation". I have not received anything in the mail, and they won't give me access to my 5100. Attorney told me to wait two weeks, still don't have letter or access to funds or explanation. Their Facebook chat person told me same thing, and they don't have any information. Anybody have any advice on this? What do I do? Rob one of their branches to get my money back? This is outright theft!

1 star is FAR TOO MANY! The employees at the Bank of America branch at 135th & State Line should be FIRED! We have been customers of this bank since 1994 and I recently encountered absolute SHOCKING treatment by the staff at this branch. I needed help with my business account due to an injury I suffered in which I dislocated both of my shoulders. I was unable to drive and was having difficulty depositing checks using the bank's smartphone app. I had called my local branch to get assistance with these deposits AND to inquire about ways to reduce our bank fees. I initially spoke to "Sherry"... their "Financial Center Manager" and she said she would have their "Relationship Manager" named "Keith" contact me to help. I'm putting these job titles in quotes for a reason. Read on, please!

So... After a 6 day back and forth with this bank I have decided to close my account and go to a bank that appreciates who keeps them in a job! Needless to say you wouldn’t have a job if we as customer didn’t allow these incompetent people to handle our hardwares money let me remind you!! Reviews go a long way! And you will continue to urge hard working people to not bank with this establishment! Fraud fraud fraud false advertising on the bank Website overdraft protection allowing overdrawing, etc. Do not go by what they posted as a policy on their Bank of America page! None of it is as they stated... Be very careful. This bank is a slum bank! Want to handle your money. However it’s no benefits in banking with them. You better off at a credit union who offer services that actually accommodate the paying customer the reason you have a home and the bank is even open! Your better off putting your money in a shoe box people!

I recently had a claim with my Bank of America credit card. I had been triple billed by a company. Placed my claim with 100% proof and verification that I was overbilled. Received a check from the company that overbilled me. Bank of America called me the day I received check and asked if I had received it and wanted to close the claim. I said not until the check cleared the bank. B of A closed the claim. The check bounced and now B of A says they can not do anything for me. Once a claim is closed it cannot be opened again. Thanks for "screwing" me out of $2000; for me a loyal customer of over 10 years. Horrible loyalty to their own customers. I will spend my 10-15 grand a month with another bank card.

I have been a BOA credit card holder for over 15 years. I spend over a million a year on the cards and pay the balance in full every month. I have witnessed a steady decline in their customer service policies over the last 8 years. They used to get in touch with me before shutting down my card for fraud concerns, but now they make their fraud problem my problem by shutting down my card without notice. I travel extensively, and have literally had my card shut down 3 times on a trip due to BOA’s fraud detection software (it stinks btw). They also hold large payments, suspending them even after they have cleared my bank, for some unknown reason, even if “you pay in cash at a BOA branch” I’m told. In general, BOA credit card is way too much of a hassle to use. I’m going back to USAA, where they actually contact you before shutting down your card.

I have a student account for my son, he became overdrawn about $200 (4 separate charges from Royal Farms). He was overdrawn $1192. I called the bank to see if they could reduce some fees because 90% of the negative balance was from fees. I was told yes. The best they could do was around $450 but first the account had to be paid then the would refund the fees. I thought that was good. The account is paid so I called today to see about my refund and I got a song and dance about how they can’t give it to me now that I paid the account in full. Only if I set up a payment arrangement they would refund those fees we spoke about. SO NOW THEY WILL NOT REFUND ANY FEES.

I mailed this to Bank of America on 12/28/18. "Re: Accounts ending in #0001 and #0002. Case: #00000000.

Friday night, I attempted to use my trusty Bank of America debit card and look it’s been blocked for suspicious activity, odd. I haven’t used it all day nor have transactions gone through; let me give them a call to open my card back up...3 hrs later still no answer, now I’m embarrassed and feel like a ** idiot, how’s this for service? I can’t even use my mobile app or go online to verify my card/identity/or purchases! Maybe I should try and call again...2 hrs later ‘all reps are busy’ so let me guess. For about 5 hrs nobody was available?! Just say you’re ** closed!!! Allow me the consumer access to MY MONEY!!! We can deal with fraud when you're open. Bank of America are a bunch of ** crooks! Oh but they’re always available to charge you $35!

Lets just say for over a year I've had 8 different debit cards all go bad after 2-4 time use with only the chip working. As of last month they've been playing games with me. It all started when they shut off my card first without alerting me, when I asked they couldn't give me definite answer, just kept transferring me over to different departments. Ended up paying $15 for my debit card to be expedited due to the fact that I had a rental in my possession and couldn't return car without updated payment info. UPS ended up not giving me package for some BS, when I called to get it resent out. I had to repay them $15 again to then find out 3 days later the person charged me for the expedited service but didn't even send out the card. I racked up $650 dollars in car rental due to that.

Bank of America is the most non-customer friendly business (not just banks) that I’ve ever dealt with. They no longer have a drive-thru window open. This is such an inconvenience for the elderly and those who are disabled and/or sick. When the weather is bad, it’s even worse. When I asked a teller about this, she got an attitude with me. They also have very high rates and fees! Don’t consider this bank!

It’s hardly to believe, but YES, this is actually happened. One of the Customer Service employees, who additionally was extremely rude and unprofessional, reported pending bankruptcy on my accounts, obviously didn’t understand what I am actually saying. As a result my $30,000!!! credit cards account has been closed!!! I hope they will revise it, however I was told it’s up to the credit department now. Unbelievable.... I’m a customer with them for 10 years now, and this badly hurt my credit only because their employee couldn’t understand/speak English.

I have banked with them for well over 15 years with either checking, credit cards and mortgage. I have NEVER been late on a payment, ever. So because some of the horrible things they do I end up leaving and getting a checking/savings with an amazing credit union. I bill pay all my bills and had set up a payment for a credit card through them. I accidentally scheduled it for the wrong day. I called to explain and because of my history hoped they could waive the late payment fee one time. Nope... Ms. Stephanie "rude" from Montana refused. Even though through out the past 15 years I have had some kind of account with them I have never had a late payment, she refused. I am so done with that BS and recommend you take your business to some place that actually cares about your business. Because BOA does not. At all.

I wouldn't even give him one star but I had to do that to leave a review. I opened up a checking account at Bank of America over a year ago and never had any overdrafts or issues. Until one day a friend asked me to cash a check for them. The check was for a job written from Bank of America. I went to my branch to validate the check, and was told it was a valid account and to deposit. I did this. Within 3 days both of my accounts were closed due to a fraudulent check. The same check they verified and told me to deposit. My dad sent me money through Zelle and surprisingly it went to the Bank of America checking account. The 1 in closure. When I called the bank and told them I wanted to withdraw those funds, I was told I could deposit but not withdraw until the account was fully closed. I said I will go into the branch and close it. They said I couldn't they would do it within 14 days and send me a check. Don't ever bank with them.

After calling Bank of America the system hung up on me. I called back to press 10 numbers, then had to wait 20 minutes for a call back only to be transferred to another department and wait another 10 minutes. The phone system assumed I was calling from my mobile app and wanted to send me a text but I was calling from a phone. Bank of America does not deserve any JD power award for their customer service which sucks but I will say the people are friendly. It's not their fault.

Many website features do not work in Chrome, I tried to open BofA website in Safari, and their other features do not work. Still charging my account a monthly fee after the funds were added. Terrible user experience.

My daughter had a banking account which is linked to mine. A week ago, BOA closed her account and we were told that she would never be able to bank with them in the future. This was a shock because we have no clue as to why. When we called customer service, we were informed that it was because someone tried to fraudulently gain access to her account. If that was the case, why then is she being punished.

I am a defense contractor working in austere environments in the Middle East, I have been doing this for ten years. Come this Nov, I fill out my travel dates every time I fly and as of today, Bank of America has shut my card off 23 times while I am deployed. This has caused missed flights, put me in dangerous predicaments and caused me undue stress. I am as of now stuck in Iraq with a card that was shut off around 0100 hours and have been on hold with them for 2.5 plus hours. NEVER EVER open an account with this company, you're nothing but number, lawsuit to follow. What is incredible is BOA was just sued last year and settled for 66 million dollars from customers being double charged and for customer complaints. I may have to call the Department of Defense to get me out of the Middle East. As of 0400 hours still no one has picked the phone up at the bank.

In March/02/2019 I was attended for ** in Bank of America 20431 US-441, Boca Raton, FL 33498. She was a formidable person. Good to know that there are people just like her in the world. Thank you so much. Marcelo

Worst experience ever, opening a checking account for a loved one who receives social security. I am their direct payee. After opening the checking account by depositing a social security check I was told to go into the bank the next day as funds would be available to withdraw. I relied on the funds being available to buy medication for my loved one, just to be told that the checking account was closed and I would have to wait 3 days to receive the money back. I waited the three days. Went into the branch where I open the account 2101 North Harbor Boulevard Fullerton California. My banker with ** and **. I was told I'd have to wait another week for funds in addition to the three days I had already waited. This was all/risk closure department at corporate office.

Woke up to $100+ in overdraft fees despite transferring funds to cover! They've changed their policy on how many "Overdraft Fees" they charge you as well as eliminated the 24 hour period to cover. Complete crooks.

Went Bank of America branch at Loop 12 Dallas Texas to cash a check one of their customers wrote to me. They treated me like I was there to rob them, 45 minutes. 12 mgrs 2 tellers ridiculous. "Why dont you take this check to your bank," they said. Like I was bothering them. I guess they dont need the 8 dollars of revenue.

They have changed some things in their systems and now they found creative ways to take our money. Stay away, most other banks are better. I've been a business customer since 2011, never had real problems until this year - a couple of months ago. First they tricked me with the expiration day of my cc proportion. What they do is putting other promotions banner on your cc payment page that looks like they are stating your expiration date, however it is a later date, so every month when you go online to pay your bill you think you have more time with 0 interest when in fact the interests are kicking in sooner.

I have desperately been trying to contact BoA and it is getting ridiculous. A new credit card has been sent to who knows where in NYC and I currently do not reside there. There is no number I can call - only my original teller's email address, and she is not responding to any email. I have tried every number on the website and they are coming back as ‘barred’, ’not in service’ or 'can't be reached'. I need to unlock my Debit card and I can only do so with the ‘new’ credit card details which of course, I do not have as I am back in NZ.

In February of 2019 I bought air ticket from Iberia Airline offices in Miami, Florida for travel from New York to Rome, Italy on Bank of America credit card. I was located in the kitchen of my home in Slidell, Louisiana. The B of A charged me $16.45 cents foreign transaction fee because, they say, one of the Iberia's computers located in Spain processed the transaction. Iberia's office staff in Miami denied this saying they processed the transaction in Miami offices. My demand for refund of $16.45 was rebuffed by the B of A.

I started banking with Bank of America and within 1 week BOA closed my account down. BOA forgets it's the customers who open up an account, and it's their money to spend however the customer chooses. I have a great credit score, never had any problems with banking until BOA. I'm disabled, so I opened an online account. I tried to wire my own money for business purposes, and BOA locked my account down. This is ** poor business practices!!! I went into the bank, and talked to a representative. That representative started asking me personal questions that weren't any of their business.

I received a ‘targeted’ promotion from Bank of America. This means that they already had somewhat of an idea about my eligibility for an account. I opened a 2nd tier checking account online on 3/5/19. I received an e-mail stating that my application was being processed. I contacted the application department with my confirmation number and was told I needed to answer some security questions to verify my identity. Cool, easy to do, no problem.

I opened an account online which got confirmation it was approved and opened. I was given an account number and I set up my online banking. I set up direct deposit with my employer with the information given and when I went to the branch this morning to withdraw my funds, I was told the account had been closed. I wasn't given any notice nor did they try to call me.

I have been with this company when they were Seafirst back. The customer service has gone downhill so badly it is unbelievable. I have over 100,000.00 in their establishment and I wanted a cashier's check for a transaction I needed completed. They wanted to charge me for the check $15.00. I asked if they would waive the fee and was denied. I am so tired of the charges for every little thing. To make matters worse the teller had all of the personality of a dial tone.

I had a credit BOA credit card, and I notice they are charging me transaction I did not made and they can’t find them in their system. So I call but they said, "Sorry we can’t find them so you just have to pay anyway." That insane and I don’t know how can help me but they are stolen money from me. So be careful with them, hope they enjoy that money they got from me with their family.

I've been on hold a total of 30 minutes. The automated system is a **! I was given a secure cashier's check from Chase and BOA placed a 2 week hold on it. I've been with BOA for YEARS and they're still placing holds on my checks. I've NEVER given them a reason to believe my checks were fraudulent and I never bounced a check, yet they treat me like a ** criminal. As soon as I speak to the next available associate, I am taking my money to another bank.

I had received a temporary card from BOA and when I went to a shopping mall around the Holidays I took funds out of my account so that I would not have to use my debit card. I ended up losing my card at the mall so I filing a police report. I tried to use the online app to block my card and was unable to by the card being a temporary card. So the Following day the whomever had my card and was trying to make Walmart purchases but the purchases declined and I received a text message asking was I authorizing those transactions from Walmart and Louis Vuitton, I texted back no and the card was blocked. I contacted BOA and filed a dispute and a temporary credit was issued. Weeks later they recouped the fund stating since they saw I had made purchases with them in the past that's why the fund was recouped. Ain't that some **.

I deposited a small amount of cash last night (3/5/19) and the ATM machine malfunctioned. I called the number provided, was bombarded with ads, only to find that there was no option to talk to the electronics claim team. Instead, I got an automated call system that took 10 minutes just to navigate through the phone maze. I have to wait 20-30 minutes to speak to anyone, just to be forwarded to the electronics claim team, and then wait another 20-30 minutes. The option to be called back later is not functioning correctly either, so I literally have to waste my minutes just listening to ads I don't care about. Absurdly ridiculous for a billion dollar bank. Seriously, bank with someone else, Bank of America isn't worth it.

I asked them to transfer my TD and Fidelity account to Merrill Edge so I can combine my accounts. It's all screwed! Losing my stock from TD transfer and missing all critical cost information. At least they called me to explain that they are working on it. But are you seriously. It's going to take 30 days to correct all the information. Who is paying for all the potential losses during this period? Are you just not caring about your investment customers? I can move all my banking account and investment account somewhere else.

Bank of America customers, BEWARE. Normally I read customer reviews for products and services I use. I should have checked the reviews for Bank of America before I opened a checking account. On the Consumer Affairs website there are 475 reviews in the past year rating them with 1 star. My experience was that I have a mortgage with them. We were informed that to pay additional principal on the mortgage we are required to have a checking account with Bank of America. So we opened an account. The same day we were notified that we had an overdraft of $888,888.88. That turned out to be their code for a problem with the account.

Have NOT been able to access the WEBSITE at all and it's been since 2-23-2019. Called them find them and they DON'T even know what's going on. This has happened before and it was over 2 weeks before the stupid site came back up. ONLY choices is: Call their phone numbers or physically go to the bank or drive thru ATM. To be on the safe side - open a separate account at a different institute, I'm glad I did.

Very unhappy with BOA. The auto pay is set up from BOA checking to BOA credit card. The first auto pay did not pay at all and charged me more than $30 interest fee. The second auto pay overpaid and caused me overdraft and charged me $25 return check fee. It is totally the auto pay issue. BOA requires me to take the responsibility and never agreed to refund the fee.

All of a sudden I can't access my account. My password, of a thousand years, doesn't work anymore. Probably a good thing. The most annoying thing is, that there is no way to contact online banking except through phone or mail. ARE YOU KIDDING ME? ONLINE BANKING??? What kind of archaic bank system are we working with? PHONE or MAIL?

We have had a checking account and I a CD for nearly 15 years. Because they felt compelled to find out what my husband's profession was and he did not respond, they closed our checking account. We received a notice in the mail four days after the closure and must wait 10 days for the monies from the account even though it was from a direct deposit 5 months ago. I called to discuss and was offered an option for callback that failed. After waiting for 70 minutes a nice male answered and put me on hold for 10 minutes while he researched. He checked in with me periodically. He said he had to transfer me to another department only to transfer me to a closed department that promptly ended the call.

Nine days for a hold on a check for less than 5,000...seriously? This deposit was made through the mobile app. It would have been helpful if I got some notification before I completed the transaction. I have made deposits in my M&T checking account and it didnt take longer than five days. Done with Bank of America.

Being fraudly paid by unknown user - I create my credit card on Bank of America in Edison at 2019. In several weeks, I get weird notifications from being paid on 2018. Using this credit card brings me a weird and bad experience. The credit card wrongly report my wrong payment is being paid on 2018.

They don’t have good resolving skills at all. They don’t respect smaller business. They put in hold a check up to 10 days. I’ve had my account for over 10 years with them. Obviously, I’m going to cancel my account in this bank and open up a new one in another. I do not recommend this bank for smaller businesses.

I'll start off by saying at the beginning of the year the bank did waive some fees for me that they really were not obligated to. But it appears now they're on an aggressive mission to collect back what they waived and then some. This is what the bank does, first of all forget accessing your account online or via the app. The bank tells you that information is not accurate. Well why give me access to something that you know is not accurate. How can I make informed decisions if what I see is not accurate.

On 2/15/2019 at 9 am PST I have seen a few authorization codes and a fraud alert voice message on my Google Voice number claiming to be from Bank of America but I noticed the contact number they mentioned is different from actual BOA fraud protection department. I immediately called the correct number and reported about the authorization codes and voice message. The agent looked into my account and informed about a Zelle transfer of $950 to a person. I didn't recognize the transfer or person and I actually did not authorize any transfer (transfer happened at 7.56 am PST while I was sleeping). The agent put a hold on my account and filed a fraud protection claim and then asked me to go to the nearest branch and open a new account. I went to the branch and opened a new account and got the money transferred to new account. I didn't file any police complaint assuming BOA would resolve the issue with a refund.

Fees, fees & more fees! Originally I was told (by customer service) that as long as I made a monthly direct deposit of $200 to my checking account, I would not be charged a fee of $12. My checking account is used for my son's child support. I receive 2 payments a month that total about or over $200 (it's not consistent). BOA charged me a monthly fee & took my CHILD support money! I called customer service explained the situation, eventually after 45 mins I got my $12 back. Then was told it needed to be $200 direct deposit. I say ok, I'm doing that. I then set up a direct deposit of $25 extra dollars from another bank account to equal $225 a month (just in case), next month comes with another $12 fee.

I have been a Bank of America for quite a few years, but my experience the last 3 months has made me start thinking about going to another bank. I initiated a dispute 2 months ago for a recurring charge that increased by 50% without my knowledge or authorization. For the first month they removed the charge. However for the second month the amount is still sitting on my credit card. When I call to ask the BOA rep how to remove, he said it was still being investigated. Then I asked him if closing my credit card account would stop the automated charges and he said yes. So I closed my account.

I have used BOA for quite a few years but the last 2 months are giving me pause. In early January I transferred my balance elsewhere because my promotional rate was going to expire at the end of the month. I had been paying it down with automatic payments of $100/month drawn on my checking account for at least 6 months. The transfer went through but they still withdrew $54.10 from my checking account when I had a zero balance. Thinking that auto draft was still on I called them up, requested it turned off and that the $$ be returned to my checking.

I have been a customer of Bank of America since 1996 and they refused to admit that they even value my business. My ex-husband in one month charged over 35,000 to my Bank of America Card. In the divorce, I got this bill and paid on it every month and on time. 1/2019 I made the final payment - woo hoo. 2/2019 I got an interest bill for $9.42. I was speechless, Bank of America has received thousands of dollars in interest from me and now they refuse to remove the $9.42 because "I owe them this interest." It is not about the money, it is the principle. "Crystal" in West Virginia should be ashamed of her sterile tone and communication skills. I think that if you pay the bill off in full that they should not charge you any more interest. The average person thinks that when they pay the bill off that it is paid off. Don't be fooled and don't think that they value you. Again, it is not about the money it is the principle!

Bank of America has the absolute worst customer service. Its automated system is the most frustratingly incompetent system I have ever encountered. I will be dropping this account if they ever answer the phone!

$300 New Checking promotion not honored. I had a promotional offer for $300 pop up for me when I was logging into my account online. I accepted the offer by clicking the link and followed the process to open a new checking account and completed the $4000 in direct deposit funding yet I only received $100. I called Bank of America and after 40 min of holding finally got a department that had to reroute me. I was finally transferred to an account manager which pretty much just called me a liar in nicer terms, telling me that my eyes had deceived me as the promotion was just for $100. I may not be the smartest person on the planet but I can assure you I know the difference between $100 and $300, thank you very much. She refused to do anything further about the matter so now I'm left with speaking about my experience with the virtual world. What happened to you Bank of America. You're seriously slipping on the client service experience.

Bank of America alone is the biggest joke in the banking industry in my 45 years experience as a CPA, CFO. You can't get past the support system without some account number you may or may not have on you at the time, and when you do finally get someone, it's from another country! I don't even have anything polite to say about any branch staff! They have to offer such great deals, bonus bank accounts, credit cards when really the Discover Card is by far the best choice in the long run, don't fool yourself!

Management in this branch has no regards for customers. They are extremely slow in providing services at the teller. Any time people ask why there is just one teller agent they become defensive. It is a shame to see three or four employees chatting in an office while the line grows and elderly people have to wait for over half an hour to be attended.

Bank of America's loan website is totally useless and doesn't answer half the questions you may have on your loan, yet, when you call customer service you are NEVER able to get through to an agent regardless of what day of the week or time of day you call. They are impossible to do business with. The next time I purchase any type of vehicle if they offer financing through BOA even if it's the lowest interest rate there is no way we will do business with them again.

First I went through the automated system and selected that I would like to receive a call back instead of wait in line. When the call back came, the system would not accept my input (I WAS pressing the #1 to say I was indeed on the line). I went through the process a second time, calling again and this time holding for a full 10 minutes. The woman who took my call, Marilyn in Montana, was extremely unhelpful. She told me there was nothing she could do, that I needed to come into the bank or have her send my card to a DOMESTIC address. (I am out of the country and having difficulty transferring funds). When I asked if there was anyone else I could speak to, she said "certainly" and transferred me right back to the beginning of the automated system, to the 10-minute wait list. I am done with BofA, this isn't my first bad experience with customer service.

Terrible business practices, long wait times to correct their errors, failed to update critical information on my accounts, causing bills to be sent to a non-existent address after multiple calls to change address.

I have two Bank of America Cards and have my house financed through them. One time I am late with a payment by 3 days and they can't drop the late fee. I've never had any problems with other credit card companies dropping a late fee the very first time you are late especially when you have been with them for so many years! Obviously they do not appreciate their good customers. I will pay this card off ASAP and close my accounts with them!

It is hard to resolve anything when 99% of the agents have no idea what they are talking about. They just spit out whatever comes to mind. You can call 10 times and get 10 different answers to the same question. What a waste of time. Then there is the blatant defensive rudeness and denial. Definitely low class and not where you want your money or anything for that matter. CHASE has 100x better service.

After receiving an approval letter stating I was approved for an auto loan, I went to the dealer and the dealer submitted all paperwork on a Thursday, that same day the purchase request went to the underwriting team where it sat for 5 days. No one in the customer service was able to get me an answer on why it was taking so long nor have a point of contact for the supervisor of the underwriting team. This has been the longest I've been on trying to purchase a car (*going on day #6 and no answer yet). I should have gone with USAA despite their high rates, their customer service is always on point and responsible. Bank of America is the true definition of incompetence and procrastination.

I have 2 checking account and a savings account. My children have student accounts. One account was incurring fees due to some change they did made, I called in and they were able to fix it for me. Then my other checking account that was not incurring any fees, again they changed something and notified through letter that even though I have two separate direct deposited of $217 depositing every month since it wasn't a single transaction of $250 or more they would charge me. So to abide I have my payroll slip my check into 2 separate accounts to avoid fees, Now, the final straw is my savings account. Before as long as I have $100 there was no fee. Now they raised the "daily" min in order to avoid fees. I have enough daily things to have to worry about than to have to worry about my bank finding ways to steal my money. What a disappointment.

I was looking for an email for pet medication and noticed an email from Bank of America, letting me know my bill was ready. Since I paid my cc balance in full on 02/01/2019, I figured it had to be a mistake and almost blew it off. No, not a mistake, they charged me a minimum interest charge on an account with a zero balance.

Bank of America deemed it necessary to close my credit card account that was opened three months ago. I've made every payment in the short history of that opened account. I didn't know they can review your credit without notice and close accounts as they see fit. My credit history is not great but in the high 600's as I write this. There was no contact with me prior to them pulling my credit again and then closing my account. I was blown away when I received the letter explaining my account was closed. I have never used Bank of America before and after this incident my family and I will never use them in the future. Chase is a much better bank to use. I hope this helps anyone deciding if they should apply for anything with Bank of America. What a shame.

Customer care? More like screw the customer. I spoke to 3 representatives, and neither one was helpful. They speak to you like you’re an idiot. Not once was I able to speak to a supervisor. First they charged me $35 overdraft fee for being $3 shy on my account, then 2 days later they charged me another $35 overdraft fee, even though I had the funds in my account. Tried to get an explanation, and the woman told me the mobile app is inaccurate, and I need to use online banking. I’ve used their app for many years, I’ve been a Bank of America customer for 12 years.

My RV Loan is with Bank of America (had no choice) and I'm only 1 month in and I have now had to call over 5 times and have been on hold for over 30 min every time I call. All I wanted was for the auto pay to work. I had been told that they were able to get the payment, they didn't. As my due date approached they still didn't take the money so I called again and was told to make a payment online because the gal couldn't do it over the phone and she would cancel the auto pay just in case. I did that then nothing. Called back and was told it was in process. 2 days...nothing. Called again and she took payment by the phone and said she canceled the others. Take to 2 days later and they have taken 3 payments out of my account. They are the stupidest ** people and company! I'm currently on hold and am 20 min in and counting... Wish me luck!

Bank of America (BofA) sent me a promotional check to use and I have used one to pay my monthly rent. BofA emailed me that they feel that this was suspicious activity. I personally called in to verify that this check is legitimate and the agent confirmed that the hold will be released. They rejected the check later and now I am facing Late fee of $50 plus NSF fee of $25. On top of that, I was served 3 day eviction notice.

I have been with Bank of America for 7-8 years and nothing has happened to me like this. I had my tax money going go into an account that was overdrawn for a while. I transferred money to my active account. What I didn't know was that they froze the overdrawn account as inactive on the same day so overnight, they transferred it back from my active account to the old account. To make a long story short. I spent money yesterday so now my main account is overdrawn. My paycheck from my job hits tomorrow into the active account that is overdrawn So my paycheck will be swallowed up. I am completely drop dead broke till weeds. I explained my dire straits and they explained what was happening but it is still unacceptable. When I explained my situation they said Sorry and asked if there was anything else they can do. I am done at this bank and I am closing my accounts. I warn anyone not to bank with them.

Went to this branch today to deposit my loose change. I was told they do not accept any more. Loose change needs to be rolled. I asked why and when. Oh we have notices here as she shows me a 2 inch x 4 inch notice on one of the desks. Throws it in my face with a smug look and being rude. Also says it needs to be rolled again like I didn't hear her the first time. I have been with this bank for 15 years and never have been treated with such rudeness. I have seen a steady decline in Customer Service at this Branch over the last 2 years. Also all new management changes a few times. I think it is time for a change!!!

After a life change and severely reduced income, my Bank of America mortgage was sold to Bayview Loan Servicing because I could not make the payments. It took 2 years, but I was successful at obtaining a modification. They serviced my loan for 2 years without incident and then my loan went back to Bank of America. It has been a nightmare ever since. Instead of reevaluating my loan payment upon receiving the loan, they waited and one day I received a letter stating my payment had increased by $800 a month due to an escrow shortage. This is partially due to both banks having paid my insurance, which I discovered myself. Bank of America was clueless. Also there was a tax increase, which amounted to under $200 a month on a yearly basis. I received as much help as Bayview could give me given my loan was closed. I have no complaints with them.

I am a retired person on a fixed income and about six months ago, a check that I had written to a charitable organization was stolen before reaching the recipient. The "Pay To line" and the signature were forged and it was cashed at a non-BOA bank. Instead of being an advocate for me in this situation and expediting a claim on my behalf, I have been waiting for 81 business. While this may not be the simplest of matters, it's also not very complicated. Every call to check on the progress has been met with excuses about how it can take up to 126 business days. If this is the best they can do to help a 30-year valued "Gold" customer, I feel sorry for those who do not have this status.

So I opened an account on November 2018 and a few days later the bank decided to close my account. I still had (have) money on the account so they told me they will send a check to the address linked, I never received the check and after a thousands of visit to the bank the only answer I got was that I needed to prove that the check I deposit was made for me, when that check have my name printed very clearly. One thing I am sure of is that the Bank of America will not keep my money, I will do everything that is on my hands to get that money back.

I will never, ever use Bank of America in any form or fashion again! I have tried on three occasions to have a payment withdrawn over the last three months. All three months our $800.00 has not pulled and processed. Today, I was transferred five times and on hold for over two hours and still do not have an answer to my problem. It seems there is no one that knows how to resolve my online payment issue. Tonight I finally got someone through online banking/troubleshooting (Brian from NY) and he was able to assist me within 20 minutes. I do realize that even though I was told by every representative that they were sorry for the inconvenience - they really were glad to transfer me. Not that it matters, but I am the superintendent of a large school district in Dallas area with over 3000 employees. I will gladly refer any banking institute with the exception of Bank of America to anyone in my district.

Offer of service and support. Most times on phone for a minimum of 40- 60 minutes before anyone answers and they have the don't care attitude. Nothing seems to work as stated in their brochures. Going back to visa Capital One, real credit card copy.

Months after I got probate court authorization for the release of $500 left by my deceased father I still waiting for a response. I have gone to two branches so far. They made me to open an account where they will supposedly deposit the $500. After receiving a letter that I will be contacted by the bank still waiting. But not only that: BOA is charging my account monthly charge. I will pay $75 fee and go through the hazards to the court for a small claim. Perhaps they will spend thousands to their attorney.

I have been a loyal customer of Bank of America for almost 20 years. 4 weeks ago I was asked to update my credentials by BOA. Subsequently both checking and savings account were closed together with my 2 credit cards. Trying to get a meaningful explanation was both exasperating and hopeless. What I have only been able to determine is that it was a “business decision”.

I have been a member of this bank for 11 years. In that time my account was hacked 3 times. I've most recently deposited $6000 dollars in money orders and cashier's checks that they have held for 12 days. I have complained and they told me "Frank" whoever he is would call me back in 24 to 72 hrs about my complaint. He was supposed to be in meetings all day. It's been a week. Money still on hold and I'm stuck out of town with no money. ACCOUNT WILL BE CLOSED when I finally get "my" money. Horrible business. More happened but not enough space to write.

I was approved for a $12,000.00 on my credit card and I was happy but I just recently check my balance online and Bank of America decided to lower my approved amount to $8,200.00 without any kind of communication to me! I called their Manager and she cannot explain to me what happened and she said I'll be getting a letter from mail to explain?! As of today Feb. 8, 2019 I haven't received any letter from Bank of America!

I've had an account with Bank of America for over 10 years and have never overdrafted my account once. I recently had to make a payment that would put me in the red for a few hours before my direct deposit hit at midnight of the following day. They charged me a fee and would not give me a one-time courtesy and had no care in the world of retaining me as a client. I will be taking my money to another bank. Worst customer service ever!

If you deposit your first check from a school district in a Bank of America account they will hold it for 9 days. Any automatic bill payments that are set up will be returned because they will not acknowledge the school districts funds for 9 days. You will be charged $35 per return fee. Bank of America can get funds from local transactions cleared in less than 48 hours. Yet they continue to disservice their customers by holding their paychecks stating it takes 9 days to get checks to clear. Nothing takes 9 days to get cleared in this technology driven economy!!! It’s the letter cal school district and teachers who work for them!!! Use your credit union!

I would rate Bank of America 0, as the customer experience has been awful. After waiting over 45 minutes and consistently receiving no solution to my issues, I see no reason to conduct business with this bank. With a credit score of over 800, I am grateful to have so many other options.

Last month on 1/11 BOA texted me about a potential fraudulent charge on my CC. Per the text, I filed the fraudulent charge claim through their mobile app and a few days later the charge was removed from my account. I assumed that was the end of it. Today, the charge is back on my account. After an hour on the phone (and speaking to 4 different reps), I was told that a letter was sent out 11 days ago saying that after investigating, my claim was denied and the claim department is closed. I need to call back during regular business hours to find out why they denied the claim. The mystery letter was not available for review online, which per my settings it should.

I have been a customer of BoA for several years, and I had checking account and a credit card with them. My parents are visiting me from third world country for a few months every year. While they are here, they work at McDonald's and using BoA checking account for direct deposit. When they opened the account, the offer was that if in the next three months they get certain amount from direct deposits, they will receive $300 bonus. Three months later my parents go to the grocery store to buy milk and bread, and neither of their debit cards work. I was in another city planning and having a funeral for my mother in law who recently died, and I was unable to help them.

Beware of swiping your card places where scammers can get all your information. A lot of times you would have no idea where this can happen. Well, this happened to me where the culprit withdrew $1500 from my account. Thankfully BOA blocked further transactions, when they attempted a few more times. Despite atm video camera footage that proves I wasn't at the ATM, BOA claims I authorized someone else to use my card. So now I'm down $1500. This was their excuse for me, they're going to keep using this to everyone else who are victim of fraud. I'm closing my account and advertising this to everyone via social media and local news station.

I lost my card. For 45 minutes I tried to get connected with an associate. The automated phone system is... The worst I have ever encountered at any bank. It doesn't understand anything, and there is no option to just speak with a representative. When you do get through, the hold time was 6 to 9 minutes. Have fun! There is no chat support online, nor email support. I was genuinely shocked that customer service at a major bank in the 21st century could be this atrocious. Just switch to Charles Schwab. Or really any other bank that's not BoA.

My husband and I have been Bank of America customers for 15 years and they never fail to disappoint! This is the bank that loves to give you tons of credit and then they fee you to death, cut your available credit without notice and trick you into using their "delayed interest" checks just to enable them to up your fees and charges even more. We are on our last straw with them and are closing the last (of three different) accounts. I have never worked with a more sneaky, immoral, unethical bunch of people and hope to never again.

I have been with BOA for 5 years. I recently deposited a check from the same employer. I never have had an issue with the employer's check. However, BOA decided it was a good idea to put a hold on the check for 10 days. I have several payments to make. It's been a headache dealing with this bank. All my other co-workers had no problem depositing their checks. So I know it has nothing to do with my employer. I hate that no one from the company whether over the phone or in person at the bank can help me. Just let me use my check!!!

It is obviously apparent, Bank of America is intentionally trying to cut employee time costs by forcing customers to speak to their automated system and input their account details. Then based on how much profit they make off you, put you in a tier of a long or short wait. All the meanwhile, forcing you to talk on phone or chat online with a machine. And are converting longtime customers and grandfathered accounts to fee or asset generating accounts with an iron grip. Your customer service reasonableness sucks! Bring back real people customer service and treat all customers like real people, not just numbers.

Each time I called to solve some small problems, I had to wait for a long time and was put through to several different people and my identity had to be confirmed again when I talked to each person. Even though different persons told me different stories. For so many times I tried to use my debit card or credit card from a location not where I live, they block my transaction without letting me know even for a small amount of money. I can write a long article to tell my terrible experiences of dealing with this terrible bank. I can't believe so many people, so many departments, so many kinds of services of this bank are all so so so terrible. Their people are polite but they have no clue what they are doing at all!

I signed up for a free account to park my money. This is the emergency account that I do not use. Imagine my shock to discover a mystery fee applied after 10 years that suddenly drained it! My own bank in Bellingham would not answer my calls. Customer service refused to acknowledge that even on my online account page there was no clear notification of a fee change.

I have been a BOA customer for over 9 years. Every time I call in it takes over an hour to get on the phone with a customer service rep. I called in today and waited on the line for 53 minutes until I was greeted by a representative. I let her know I was going to be withdrawing a significant amount of money and wanted to ensure I wouldn't have any problems. She assured me that my account was updated and would have no issues withdrawing funds. Unfortunately, that was not the case as my account was locked for fraud after only withdrawing a fraction of what needed to come out. This has happened more than once. I was told that the rep remarked my account, but never changed the amount that could be withdrawn on a daily basis. Incompetence at its finest! I'll be closing my account with them first thing Monday morning!

I hold three accounts at bank Bank of America, two personal accounts and one business account for our construction company. Every time we have a question or need customer support it takes half a day to get in contact with a service agent if we are lucky enough to get through the automated system. It is extremely frustrating to run a business this way. We have been customers for over 25 years hence our hesitance to change our bank, but we will go ahead and move to greener pastures where we can receive better service and speak with a live person promptly.

For an unknown reason Bank of America would not accept my password for my credit card so I had to change it. Then their system enrolled me in electronic reporting without my permission. When I tried to use their online chat system to stop this change their automated online chat system stated it did not work for that subject. When I telephoned their automated system it would not let me talk to a human until I lied about why I called by punching another selection. Then I was told it would be 28-42 minutes before someone would answer. I finally was able to get the online system to change back to sending paper statement, but only after a giant tap dance and over an hour of trying. Is this what they call good customer service?

I chose to pay my monthly balances automatic deductions from my bank account. Every month is a different minimum due even after not using the card for over a year and more! They did not advise that the auto draft has to be renewed every year nor why every month the amount due fluctuates without additional charges on the card. I was charged late fees unaware that my auto draft wasn’t valid and costing me a ton of money! I called customer service gave my approval to restore the auto draft and verified my monthly payment was plenty to cover the minimum due plus more!

I have a transaction on Nov 12th, and my billing cycle closes on Nov 11th. I was surprised to see interest charged on my Dec statement for the transaction made on Nov 12th. Customer service people don't have common sense to understand simple math. They charged interest in Jan statement even though I paid in full statement balance on Jan 6th.

Awful Awful Awful!!! Stay away from them. Customer service seems like a non-existing thing there. You call, you get estimate "more than 30 minutes". The best case scenario you get a call back in 1 hour and the line drops the minute you pick up their call. Happened multiple times. Overall, they do not care about their customers, especially small business, they just don't, so stay away.

I’ve had two credit cards with them for a few years. I never missed a payment. I paid both cards in full and the same day they closed both cards without being able to give me a reason why. Customer service is terrible!

They could not make it any more abundantly clear they do not care about their customers. Nickel and dimed for every possible thing. In an account that only had $950, we have been charged $51.45 in fees in the past 3 weeks alone. Ridiculous. We just moved to Schwab for fee-free service.

I have been a Bank of America customer for over 30 years, having a checking, savings, and credit card with them. I have always received free checks to use. Now they want to charge me over $30 for checks. Bank of America has turned over their check printing to a company called Harland Clarke which is a total rip-off company. The minimum amount of checks from them are 42 checks and for that they charge almost $15 plus another $10 for mailing them. What happened to my free checks? I am so unhappy about this change in check printing charges that I am thinking about going elsewhere.

Noticed a fraudulent charge on our debit card, AGAIN, and there was NOBODY to talk to at this disgusting "bank" because it was after 8:00 on Sunday. And they're closed again tomorrow because of MLK day. So apparently anyone can just access my account for the next 36 hours because this disgraceful bank doesn't have round the clock help for fraud. They are truly disgusting. I want to give them zero stars but they are so pathetic they need at least one star. Despicable.

BOA is the WORST!!! Save yourself a ton of trouble and aggravation and go elsewhere with your money! BOA could care less about their customers or your money. And their customer service sucks. They will tell you one thing but then do another and then tell you "Well I'm sure whomever you talked to probably just meant..." They are not at all willing to help you and could care less if you're losing money. They place holds on checks for a ridiculous amount of time, return items/bills that come through during that time (even though you have the money in your account) and then charge you returned item fees. Your account statement will say that a transaction has been processed but customer service will tell you it hasn't. It's an absolute nightmare. They find every way possible to charge you a fee. I will be closing my account ASAP and will be going elsewhere. You should do the same!

Their website is like none other, I have more than a few cards and trust me when I say this. So difficult to tell what your payment is. What is this e-bill section? It is just confusing. I made a double payment and need to delete one. No clue.

Opened up a card with Bank of America solely to do a balance transfer to pay down a credit card that had high interest. Due to my credit being fair, I was approved but only for $500 limit. I was disappointed as I had opened up an Amex account and received 10k to start with, but I let it slide since I was building my credit and only using this card for a balance transfer. When I proceeded to do the balance transfers, I was informed by customer service that I was only allowed a certain amount of transfers instead of a certain amount of time. This was not what was told to me over the phone when I opened the account so I was pretty unhappy. I decided to just pay down my debt the old fashion way and just use the card for my everyday purchases since I was trying to build up my credit.

This bank is terrible. They withhold funds and make careless mistakes. Hold time is a nightmare. Bill pay is unorganized. They told me a check for bill pay was never generated, but it came through my account three months later, which caused many fees that I am having to fight to get back. This problem is still not resolved. For the love of God, go somewhere else.

Bank of America warning! I got a settlement check from my lawyer, and he wrote a check to me on his BOA account. It has been several days since release. Last night he called the bank, and they verified that the check had cleared, yet they continue to hold funds per their policy. Chase Bank verified that they are the only bank to not communicate and release funds after checks have cleared. I attempted to contact them but as I was not an account holder I could not get past their computerized system to speak to a human. By holding funds and not releasing them after funds have cleared, they have caused myself and my disabled wife, undue pain and suffering.

I have had an account here. Has a total of 3 months. I've had nothing but trouble and customer service is non-existent. If you get anything you're likely to get scolded for being a customer. I am a state licensed, bonded and insured contractor. I have had payroll deposits from local companies that have been put on hold for up to 10 days at a time. In today's banking atmosphere it can take seconds or even minutes to verify availability of funds via a computer it even a phone call.

Travel site difficult to find/use. Called 5x for cancellation refund. For "MY" convenience & avoid any call backs, didn't even try for full refund- cost $105. Supervisor mentality- not out of my pocket so figured it just didn't matter. Didn't care enough to even try for the full refund.

Recently I have some Business to take care over the phone with Bank of America. For the Past few days I try to contact the Bank over the phone and I have no luck. The waiting period of 40 minutes before I decide to hang up the phone, very disappointing of the customer services, overall the level of Professionalism went to ZERO. Time to find a Different Bank Institutions.

My husband and I have a BOA credit card, and it’s what I use for my personal purchases primarily online, to help our credit. It has a 300$ limit. It is the most unreliable card! It declines for no reason, even if we JUST put money on it. The online statement never adds up. I just paid it in full, made one $30 purchase, and it’s been declining for two days. We went into the bank to ask what the heck was going on and they said there was a “glitch”. Well, said glitch has not been fixed. Card is still declining. I need to use it... I’m extremely frustrated. I have things I have to purchase, I'm out the money I put on the card for these things, and now the card isn’t working. Where’s the money? No clue.

I have been a customer with BOA for over 15-20 years. I have great experiences and unfair experiences. I have made deposits in Very large amounts never experienced a problem and small amounts and have caught hell. Until recently BOA suddenly randomly select accounts to place Check Holds similar to TD Bank. Unbelievable causing a Catastrophic Disaster and my bills being delayed. After making a deposit via ATM, with 1/10/2019 the deposit slip after the check was taking advised me that a HOLD would be placed on my account until 1/22/2019. I immediately contacted BOA, inquiring as to why. I was then advised that the Check HOLD VARIES And they have a Right to place a Hold on a check. Remind you the check is drawn within the same state.

My disabled parents have a BOA credit card. BOA never sent updated cards. You are unable to pay balance with rewards points without difficulty. They (BOA) could care less. Worst card anywhere ever. The phone number listed on the account is no longer in service. They tell my parents (89 yrs old) to go to the nearest branch with two forms of ID. Nearest branch is TWO HOURS drive. Unbelievable.

Every time we have tried to get into our Bank of America Credit Card account it is a horrible experience. Our online login user names and passcodes NEVER work. So we use the system to reset our passcodes. The system says it has taken the new codes. However, when we try to login - the new passcodes are not recognized. And, the system starts a 3 try count down. We always get clear out and clean the cache before we try to log in with the new codes. This has happened multiple times over the past two years. We always end up having to call BoA for help. And, if you think trying to log in is a hassle, just wait until you try to call in for help!!

On September 27, 2017, I made a $8,176 deposit at the local branch of Bank of America, following the instructions of someone who had spoofed my lawyer's email. I was in the process of purchasing a home and needed to provide the remaining balance of the downpayment. Someone spoofed my lawyer's email and directed me to make a deposit into a specific account at Bank of America. The reason I fell for it was because we were far in the process of purchasing the house (we were close to closing), had already exchanged dozens of emails, and the spoofer knew details of the conversation I had with my lawyer the night before the email was sent. I suspect that the realtor may have had something to do with it, but I'll let the FBI make that determination. I can discuss those details in another post - this one is about the Bank's negligence.

On January 7th, a text came through stating that two $1 charges appeared on my debit card. I received a text message from BofA asking if I had made these purchases. I didn't recognize the charges so I said they were not mine. That was it nothing else was said. The next day, I went to the convenience store to get a drink but my card wouldn't work. I thought for sure I had money to cover $1.59, luckily I had $2 in cash to purchase it. I knew I had to make additional purchases like my medication and personal household items. I called BofA to find out why I couldn't use my card. They explained that it was shut down due to fraud. I said fine, but I need it reactivated to purchase these items.

Basically a fraudulent transaction was made on my card. It's been 2 weeks still no help. All they say is they are working on it. If you run a small business and someone steals your money they will not protect you. It will take forever to get your money back. Beware. Stay away.

Today, January 7th, 8pm EST, I checked my rewards balance and noticed Bank of America was no longer giving me 2% cash back for groceries and 3% for gas. I called to see what was gong on. After SIX minutes of prompts I received a message saying I would finally be routed to a live agent with a wait time between 2.5 and 3.5 hours!! Unbelievable, Crappy customer service. Stay away from this institution.

I was a victim of an international scam by an employer. After they hired me as a project manager, part of my job training was to purchase equipment for the company using my B of A credit card and I was reimbursed by the company accounts from other banks daily, bringing my account balance to zero. After few months all the payments to my B of A account was withdrawn by these other banks as the company turned out to be a scam and had been apparently using other people's accounts to reimburse my purchases without my knowledge. I received a note from B of A that I owe them about $200,000 because of these withdrawals that I was not aware of and did not approve.

I opened a checking account on 12/17/2018 and as of 1/8/2019 have not been able to log onto my own account and I'm being told sorry by the bank. This account had to be opened for a line of credit. Beware of BANK OF AMERICA as this appears to a way of getting extra service charges.

On Thursday December 27 2018 Bank Of America called me to let me knew that someone fragility put a check in my account which I did not have any knowledge to what was going on. Mind you I had money in my checking and savings account before my hack got hacked with this fragility check from Gulf Coast Bank Trust. I made a police report regarding this issue. When Bank of America called the Guy name was Nate who had called me about this issue. He stated to me that my account was going to be in the process of closing because of this check that was deposited into my account. Then on Friday December 28th 2018 Bank of America had let my direct deposit go to my account which was hacked and it's on hold at Bank of America.

I called Bank of America to link QuickBooks for my business. I was on hold for 2 hours. A representative answered and was rude, condescending and unhelpful. She said the holds were from customers calling and asking trivial questions. Since when is a customer question trivial. Then she transferred me for another hour phone hold until I ended the call still on hold. My issue is not resolved. I am disappointed with their lack of service and will close my accounts and do business with another bank.

I have been a BoA customer for 60 yrs. We have 4 accts w/ BoA, a past mortgage, CDs in the past. In the last decade, especially 5 yrs, BoA has significantly deteriorated in customer service. I have been on hold for 2 hr. 10 Min! My big issue? Just want to take off $95 of fees they charged when I have overdraft protection for a sum total of $50 worth of expenditures. That ends up being close to 200% interest. As soon as I saw it, I went in and put in money. I am now on call w/ the 3rd person asking for help. This one was more helpful than the last 2, who were abrupt and couldn't have hung up fast enough. BoA tries to charge fees for every little thing as a way to gauge the customers. I would get out if my husband would be willing to transfer. His reluctance is many bills are logged in for autopay. Otherwise, I would have been long gone. I'm gonna work on it to make it happen.

Bank of America has two major promotions going now, one for a credit card and one for a checking account. I applied online for both accounts so that I could manage my cash back rewards from the credit card and receive a “10% Cash Back Bonus” when you deposit your credit card cash back into a BoA checking account. I was notified a week later that both accounts were approved and on the way. I received the credit card quickly (had to pay a rush fee) in order to purchase Christmas gifts for my kids and take advantage of the cash back reward.

I wouldn't even give BofA a star but I'm forced to. Never do business with this company. They will close your account at any given moment and will not provide you with an explanation as to why. I didn't do anything suspicious with the account and they closed it out for no reason. They will not even give you a heads up or warning that they're closing it, they just will.

I deposited a check on 12/27 through the ATM machine... Now though it stated that there was a joke placed on my account for 10 days. The account the money was drawn from posted the very next day... I called the bank. Received no answers. Went into the bank on 1/2 and brought in proof of the posted deposit which ok occurred on 12/28... I received 2 fees on this account as well as returned checks and they refused to reverse those fees... The purpose of a hold is to ensure the money clears. These funds cleared the very next day due because of the hold YOU JUST SIT ON MY MONEY FOR 10 DAYS when it shows the money POSTED. THAT'S HORRIBLE AND RIDICULOUS.

I recently had to file a claim with BoA. BoA filed the claim twice. I didn’t realize that the claim was filed twice or that they credited my account. This all happened earlier in November. On 12.28, my account was overdrawn 500 because they did a reversal on the duplicate claims. When I called to see what happened and why, I was told that they did a duplicate claim, a month ago, and they were took the money back. I was then told that I need to monitor my account more closely and they would not be giving me my money back. They rep even admitted they were at fault for the duplicate claim. They said they notified by email, which they did, but the email said they were crediting my account after the duplicate claim. I am so disappointed that after they admitted fault, they basically said they were not going to give me my money back. I’ve never had any issues with them prior to this, now I’m considering changing banks.

Bank of America has the worst customer service. Not only has my card been blocked multiple times once after a haircut and it took over 2 hours to get ahold of someone so I could pay, another time I had a basket full of groceries and it declined me as I tried to pay. Each time I have to call the bank and it takes well over an hour each time. I still stayed with the bank.

I went to Bank of America in Beltway 8 and Wallisville Rd to change my work check which is from bkoa, they asked me if I wanted to open a new account with them and I simply told them no, that I had an account with them and I had to close it because I didn’t like the way they work, they simply started saying there was something wrong with my check, they took my check which is the same one I’ve always change for like about 5 years and they put it in the manager office and saying that they have to confirm everything was ok. After an hour they made me put my fingerprints and wrote something on it! They simply told me that I had to wait for the manager. I simply leave and went to Chase and they change it with no questions! Thank Chase!!! Bank of America is the worst bank ever!

With billions of dollars in fines and lawsuits, you would think that Bank of America would do everything they could to change their ways to operate in a more moral and ethical manner. But, that obviously isn't the case. I deposited a payroll check to my Bank of America account using their mobile deposit system. The check was issued from a Bank of America account. I have always been told that, if the check is deposited via mobile deposit and it is a Bank of America check, the funds will be available the next day. Now, suddenly and without warning, the funds are being held for a week. I suppose that has nothing to do with the fact that, in that time, my credit card payment for my a Bank of America credit card comes due, causing me late fees, right?! Additionally, my rent, car payment, and insurance were all planning to come from that check, costing me more money in fees.

It seems to me the initial problem is with BANK OF AMERICA...(you know it’s owned by Saudis...right?) Anyway, this bank practices unethical and underhanded practices for years. This is why they have been sued dozens of times by class action lawsuits. I personally have had only good service and experience with Carrington since they took over my loan from BOA. I guess it’s just depends on what customer service rep you are “lucky or unlucky” to get. Their escrow department has improved significantly; now your escrow balance is on your statement and you can track it. This company’s policy is to have a cushion or they will float you a non interest loan attached to your mortgage that is spread out over three years to cover shortages.

I've been a Bank of America customer for probably now four or five years. Compared to my Chase or PNC account, Bank of America tends to have fees for low balance and fees for transferring. The other two banks both have no fee for transferring. I feel like Bank of America squeezes out every dollar out of you. I understand that banks have overhead for maintaining accounts, but they more than make up for this with their lending products.

For 16 years I be using Bank of America. I went to this site Global Poker. The bank let them reach into my account and take 230. How they do not know this site is a scammer and allowed Global Poker to withdraw 4 times from my account. The reason why everyone is using the bank is for customers account protection. I feel like there’s no protection if they don’t even know what site is a scam and allowed them to do that 4 times!!! This is unbelievable. I have to switch bank for account safety. Bank Of America are the worst!!!

I wish I could rate my experience with a 0*. The Claim rep was RUDE and very UNPROFESSIONAL!!! She took things upon herself, and blocked my debit card. I been dealing with BOA for 7 yrs and those was the worst!!! I will close out my account after the 1st of the year. Y'all customer service SUCKS!!!

I deposited my Christmas Bonus and it is on hold for 10 days. Bank policy. Worst customer service ever. I will be closing my account with them and finding a better bank. Run from this bank. They are the worst bank ever.