Bank of America Reviews

Was given enough consideration and improved courteous handling of my issues. Thanks!

I Been with Bank of America over 15 years. All my accounts is with it, included business account.. No customers skills. I told the I will close my account. They don't care, well guess what? I won't give my money to this. Screw this company. We have many option out there..:}

Been with Bank of America for 30 now, really disappointed in the way they handled their paycheck protection program during this COVID-19 crisis. They started with you having to have a line of credit with them, what does a line of credit have to do with the paycheck protection program??? During these times we need you the most BofA, don’t make it hard on your customers that have been with you for more then 30 years! It’s not all about profits! To make the story short I went with another bank to process my ppp. And to find out on Monday that BofA changed its rules because of all the blowback from its customers, why couldn’t BofA help from the beginning? Really second guessing BofA!

(Restaurant owner) Bank of America is not helping their small business owners during the coronavirus virus situation. All small business are entitled to that program. We didn't not wish for this crisis. The government demands us to shut down and they would help us to get through the crisis that followed. But bank of america is not only stopping the aid from the government to us. Bank of america is discriminating against some of their customers. This is an outrage. I will be closing my accounts as soon as I'm able to do so. We are now in desperate need of the payroll protection plan loan from the government to keep our business going during the mandatory closing. Bank of america rejected my application because they say I never had a loan or a credit card with them. This is not a requirement by the government.

As others have stated, Bank of America will not be helping their small business owners during the coronavirus virus situation unless they also have a lending relationship. I never needed their lending. This is an outrage. I will be closing my accounts as soon as I'm able to speak with SOMEONE, ANYONE, as you can't correspond with the branch or corporate at this time. They did however help out all their big company buddies having loaned 5B to only 5I companies the first day. Do that math. What a crock. Despicable human beings. Pure trash!!!

Bank of America is a heartless company, my small business has been banking with this bank for 14 years and is in good standing. However, we are now in desperate need of the payroll protection plan loan from the government to keep our business afloat during the mandatory closing. Bank of America rejected my application because they say we never had a loan with them. This is not a requirement by the government. It is especially heartless in this time of need when Bank of America itself took a major bill out in 2008. Heartless Rotten company!

The Gov Payroll Protection Program (PPP) is up today, but I was told by my bank (Bank of Am, soon to be my former bank) that, even though I have 5 accts w/ them, I need to have a loan or credit card w/ them. I'm applying for this bc biz is down 75% and if I don't get the PPP, I'm laying off staff... exactly what the gov doesn't want to happen. The whole program is to keep people working. No other bank has this stipulation but B of A.

My wallet was stolen, I reported it as soon as I noticed and was given credit. It was denied (as always from what I've discovered reading reviews) so I appealed. Was told that you'd be getting in contact and the reveal of credit wouldn't go through until the appeal was decided. That was the 24th. I got laid off due to a NATIONAL DISASTER. You know the one that you're bending over backwards to look like you're helping out the little guy deferring mortgages and all that jazz? Yeah that one. I have 5 sons. Find out today that with no warning (and definitely NO contact with me!) The appeal had been denied and you KNOWINGLY threw my account into the red by reversing it, you KNEW there wasn't anything in there AND you did it anyway!!!

We have had a credit card with Bank of America for the last 25 years. Always paid in full each and every month. Our business was pushed into automatic recurring charges from vendors on a monthly. Instead of invoicing us they would just use the credit card that was on file with the vendor every month. We have used it for the last 10 years. Recently all of a sudden we were being called from some vendors that the card was being declined. And others would just stop service ie phone, cell phone, internet and electric. And keep in mind this all started at the end of the month on a Saturday.

They have this 24-hour customer service phone line that: 1) Not available on Sunday (3/29/2020) late afternoon when I called, at the same time, I called Citibank and was able to talk with someone within 5 mins. Different banks, different outcome. 2) Called today (Monday 3/30/2020) morning at around 9 am, the phone said wait time is long and about 25 mins, well, it's been 45 mins now and I'm still on hold, also it doesn't have option for them to call you back once a representative is available, so I've been on my phone during all this time.

I've had a credit card and savings account with BOA. I only got it because it's the only bank me and my elderly dad can access because we live in different states. They are so slow at returning your money or accessing your money. They charge fees for everything and their customer service is so horrible. They never have any answers and they act lost when you ask them for help. Run as fast as you can. There are plenty of banks that don't charge those ridiculous fees and can actually help you if need be. The worst bank in America if you ask me. Keep your money and go to another bank.

Holding for more than hour and talking to someone who doesn't know how to read a bank statement can be a headache. Been through a fair share with Bank of America. Need to go to a different bank. On top of it, the so-called customer representative says that you will see all the information updated within 30 mins. When will the 30 mins end?

I’ve had my mortgage with BOA for 20 years. Wanted to get home equity LOC. Did not want to work with me after all these years with no late pays. I will take my business elsewhere as I’m always getting offers from other institutions.

After 20 years as a customer with a preferred platinum status, BofA declines to refinance my mortgage. I have $1.2M in BofA brokerage account and $700K in home equity and not other debts. My wife and I retired at 61. Because we have no income BofA indicates it is OK for us to keep paying a higher mortgage and declines to refinance us to a lower payment. I'm shell shocked, and looking for a new brokerage.

It's so weird to hear that the bank does not give an account verification letter in the branch nor there is an option to get one from their online banking. It's only the customer service who can help with it and it takes no less than a week to 10 business days. This will be an issue for people who may need the letter in unexpected cases where they MUST have it ASAP to continue with their application(s) such as immigration status, mortgage etc. cases. And the reason I was told was even worse - because of lots of requests coming in, they stopped issuing the letter at branches. What sense it makes? I think I probably should move my funds to another institution where I get kind of things done much quicker and close the account here. Absolutely frustrated.

They are SO good at charging you fees, but when YOU need them, they make you miserable and make you wait in line for hours and hours and days. Almost impossible to talk with a representative. Extremely unhappy with Bank of America. Do NOT put your hard earned money in this bank.

DREADFUL experience!. We are undergoing a recent terrible and costly experience with the Bank of America and it remains unresolved three weeks later. They have "lost" US 80,000 dollars sent from 2 remitters in Norway to a Bank of America account holder and after a 3-week delay they have done nothing to recover the funds or recall/ send them back. We "think", they possibly froze the money or suspended it doing a KYC check and failed to inform the sender or the recipient of their activities. Unacceptable!

Absolutely horrid customer service. Every customer service representative is looking for ways NOT to help. Every reason under the sun for why they CANNOT help you. Same experience whether you go into a banking center or you call. Total waste of time. If you call, it takes 15 min just to authenticate you. For two factor authentication over the phone, you MUST have a cell phone which will accept text messages right then. They offer no other way to authenticate. This, after you provide all info such as phone pin (what is the use of this if not to authenticate?!), social security number, name, address, employer and answer all kinds of ridiculous questions. Height of ridiculousness. Interest rates are laughable compared to what other banks are offering today.

In a nutshell, BofA has become very difficult to work with, non-customer focused and honestly does not exemplify the traditional meaning of a bank. Here are just a few items that all add up to my complete dis-satisfaction:

Despite having an excellent credit score, it took forever to get a credit line increase. You call up the customer service and they just keep you on hold forever and no one has any answers to your questions. Total waste of time.

When I asked why is bank is not reporting paying my bills on time but they don't report you have a credit card or credit from us so you're out of luck. They keep asking questions over and they overdraft my account again, again, 35.00, 35.00, 35.00

BOA was very easy to work with and was very easy to get in touch with....they called us back immediately and were very responsive to our needs. Another company didn't even return the calls for a few days, therefore missed out on a refi.

Start my BoA acc since 2001, till today 3/12/20 I ended my account as they are nothing but vampire. Lost my phone last week but then I pay the next day and call them kindly to waive the late fee and explain to them what happened. They told me they can't waive the fees as losing my phone is an not a good excuses! Can you believe that?! You have no idea what that be when people suffer during Coronavirus outbreak in the city but you don't even help and you won't even think to pardon just one first time late fee waive. I told the supervisor, "Not even waive it as this is my first time?" Surprising the answer is No, they are more happy to end my services at the end, they have to left me no choice and closed all my account, You know what? I will have people to know that this is how boa treat their customer, how you call this a customer services.

Bank of America is very easy to work with, both on our mortgage and our HELOC. We've had a couple of mortgages with them and they've worked as expected. At one point our mortgage was going to go up because the escrow was getting low. We added some money to the escrow and kept our payment low because they informed well in advance about this situation.

I don't know what services Bank of America thinks they are rendering by charging me 12 dollars a month, on an account that I rarely use. They only do it when your balance falls below some arbitrary threshold which seems to change. Obviously their money harvesting algorithm is still slow to deposit money and picks and chooses which amounts to process when, so that their service fee will overdraft your account if at all possible, and then they can tack on another 35 or so bucks for their absolutely stellar services. This bank is trash. Unless you never could contemplate having to utilize all of YOUR money in a given account, dont use Bank of Fakemerica, it will cost you 144 dollars a year. They have learned nothing from the class action law suit, and continue to use scam tactics and horrible business practices. Do not recommend.

My experience was not favorable. I was going through a divorce and at the time I would have been able to qualify on my own but B of A would not consider it helping me. Even calling several times to no success. My ex was willing to sign the right docs to remove himself from the loan. Of course this occurred in 2009 2010 when the market fell flat. The home ended up in a short sale and I lost everything and it caused me a credit issue. 6 months later I'm told they could of helped me through with the Fannie Mae. I lost most of my inheritance fixing my home of 18 years that I got zilch for.

The loan officer Alexa ** made all the difference I feel - she was able to close the loan with the best terms and on time. It involves international fund transfers and I could see other banks struggle to understand.

Bank of America is a good place but it's hard to get loans and when you do its high interest rates but they do work with you once you're in their investments with merrell and lynch or just everyday.

I was never late on my mortgage and loved the fact that I could go into the bank to pay if I had forgotten to mail it it. Without any prior notice, I was informed that my mortgage had been sold. I haven't refinanced because I don't want to pay the application/closing fee for a new mortgage, so I feel like I am stuck with the 3rd party mortgage company that has my mortgage.

This was the most inept company as far as getting to the issues on problems with a foreclosure that I have ever seen. They had no one that could speak to the problems that were occurring in trying to resolve and issue and no one there to pass on too. They are terrible.

Bank of America had our loan. They took over from Countrywide and they kept miss applying payments and adding fees to our account. We made a couple of complaints to the Bank Comptroller, then they sold it to Nation Star dba Mr. Cooper. Thank goodness I paid off the loan in 2017.

I was initially approved for a mortgage, so I shopped around for a home and I found one. I put $2,000.00 down on the home I found. After about 85 days of being approved and my credit rating of 800+, I was preparing for the closing and they suddenly denied me a $60,000 mortgage on a $155,000 home. I already had over most of the money for the home but they declined my mortgage, so I had to tap in my 401K retirement fund so I would not lose the home I found and the $2,000 deposit, I put down on it. They were uncaring and were awful to work with.

My mortgage was assumed by Bank of America when Countrywide mortgages ceased to do business. My mortgage increased without any explanation. When I inquired, they stumbled and gave me the run around. I’d NEVER do business with Bank of America again.

This is the worst bank that you can bank with in the US. As an immigrant, you get excited about choosing this bank because it has "America" on its name. But beware, this is a shark eating bank. They will deny a check, that was $3 short and charge you $35 in overdraft fees even though you have money remitted to the account on the same day. Please bank with local banks. This is a giant corporation that doesn't care a hoot about their customers. Please avoid them like Ebola!

They do not always apply your payments to your mortgage. Payments "get lost". Then this goes on for a while until they try to take your home from you. Foreclosure. They are not available to discuss with you. Never call back.

Bank of America is the worst when it comes to setting credit cards on autopay. I have spent hours and several phone calls with personal bankers and vps to help me to no avail! I have more than 30 business accounts/credit cards and yet can't seem to figure their mess. I hate them!

Absolutely would not recommend this bank for a small business. I have a small business SDVOSB, I live overseas and am unable to login to their site, when I call the 888 number it takes more than ten calls just to get through. Insult to injury call waiting times are usually more than 15 minutes. The local branch I sent the account up with in order to have a person and phone number is not able to assist. I am forced to use a 888 number that as mentioned above is virtually impossible to access. Caveat Emptor with this "business banking".

My experience with this Bank of America is disappointing. In 2010 due to a sudden death of my late mother, there’s was no will but a quitclaim, unfortunately the bank did want to work with me any longer, it took a lot of attorneys and money every time I had to fill out a modification just to turn me down. This went on for years and managed to sell the notes to other banks so I can start over again.? This was a complete nightmare, I would not recommend this bank to anyone for a mortgage, because they're fraudulent.

My second mortgage was purchased by Bank of America and I was impressed at how easy they were to make payments to and deal with while they had my mortgage. Unfortunately, they sold it to a less reputable company without warning and once I wasn't a customer, stopped answering my emails. If they had excellent service, they would have continued doing so even though they sold my mortgage, but at that point they didn't care.

They hound you for a nickel...they want your assets, your home. BOA rude and threatening. I believe they do not want to work with you...they rather want your house. They have been warned and fined. Never use them, protect your assets. They charge 125.00 on a late bill. It’s criminal.

Too many to list. Been a customer since its predecessor 'Nations Bank'. Customer service is very poor, reps are rude and there's a long wait for a live person to come online. Banking centers are ill-staffed, if you want to meet anyone in person. Avoid this bank if you can, try Chase.

Bank of America has shielded information in past as they supposedly sold the mortgage services to a third party collector when in good standing with their company which led to fraudulent transactions, charges, and other behaviors. The 3rd party company was not a bank nor were they regulated by federal government or agencies at the time. Ultimately leading to me losing my home to a person that legally had no rights to said property as it was stolen from me along with my belongings in the home. I was charged various fees, escrow was depleted, and with multiple complaints to higher authorities resulted in no avail.

Great experience in dealing with Bank of America. The process was made smooth and simple, though lot of paperwork. The person who helped us was very flexible with the timings. I highly recommend to others.

Deposited my monthly payroll check via app the first time. They held for 10 days!! Went into branch and they said 2 day hold, with $200 avail next day. NOW changed to 10 days. I will have to pay $90 in late fees for rent, can't get gas, food, pay any Bills for 10 days. CUSTOMER SERVICE didnt care, won't offer a solution & told me speaking to a supervisor won't help. They will tell me same thing & stated branch should not have told me differently!!! I'm a single person with only my income and on a tight budget. WTF!! This is the worst experience I have EVER had.

I deposited my student financial aid check into my Bank of America checking account at the branch located 2821 Pfingsten Rd, Glenview, IL 60026 on 02/27/2020. Before depositing my student financial aid check, I asked the bank teller how long will it take my check to clear as I am a current Chase Bank Customer also, and I cannot wait or have a hole placed on my student aid check. I continued informing the bank teller, I am travelling out of the country and need immediate access to my funds. I also expressed, if my funds will not be made available to me immediately (within 1-3 days) by Bank of America, I will deposit my funds into my Chase Banking Account. The bank teller at Bank of America informed me that my funds will be available the next day, 02/28/2020.

They offered a free checking account to make it easy to pay the mortgage and I believe they offered a free safety deposit box as well. I enjoyed having them as my mortgage holder. The free items did help..I felt appreciated as a customer.

Had an insurance claim and they were just plain rude about signing my check so I paid off my mortgage and went to another bank. I would never recommend them to anyone nor would I ever go there for a loan or for an account. Rip off artists.

It was a pleasure working with them. They are Nationwide, have lower rates and have applicable discounts. Very professional wonderful company. I recommend that all potential home buyers go through Bank of America.

The Bank of America is one of the worst banks in the world the leadership. Stole money from me when I had account in it in the 1980'S and never tried to return the money, every time I deposited the money it had to take over a hundreds of dollars for them and it is the truth.

BOA processes your payments when they feel like so they can charge you overdraft fee. Why are they allowed to make billions twice on your money. Never bank with them. Billing department very disrespectful and unprofessional. I

Do not use Bank of America for an RV or vehicle loan! Bank of America made it incredibly difficult for me to set up automatic bill payment from my checking account. On February 22, I was transferred seven times (3 hours); I spoke to confused representatives across the United States. Below is a list of what I experienced:

I was visiting NYC and used an BOA ATM at one of their branches, and the ATM machine "captured" my debit card. Called and they were sending out a new one, but of course that didn't help my situation since I was almost out of cash and several states away from home, and the next day was a holiday. Had to cut the trip short a day because of this. Card was sent on Wednesday instead of Tuesday and as of Friday it wasn't here yet, because they sent it in the regular mail instead of FedEx. I even had to ask to have them waive the fees for them mailing me the card.

One of my client paid me $300 via BOA Zelle Pay for my professional service. Since Zelle payment cannot be cancelled, I thought the money was safe in my account, and I provided service to that client. Two weeks later, the client called BOA and falsely claimed that the payment was a fraud. Without talking to me or doing any investigation, BOA simply took away $300 from my account and gave back to that person.

Maybe I was unlucky choosing a branch. This was at 59 Pope Ave, Hilton Head, SC, a vacation destination with many travellers. When I visited the branch, there were only three customers standing in line -- and there was no one to serve them! After a few minutes a single teller showed up. Then the tellers changed and there were further delays. The staff are pretty sour and unhelpful. The reason I visited the branch was because I used their drive-in ATM and it ate my debit card. When you're traveling, this isn't a good thing to happen, because you can't get a replacement from your own bank. Bank of America couldn't (wouldn't?) do anything about it, and they couldn't help me complete the transaction that I had started. They also didn't try to fix the machine or warn other customers away from it. I went up the street to TD Bank on New Orleans and they went out of the way to be helpful.

Please heed messages from the other Bank Of America customers, I wish I had I have been with BOA since 2007. Their customer service is awful! I called 3 different times yesterday and received 3 different reasons why they put a 10 day hold on a check I deposited from USAA bank (a military personal bank and insurance company) for a auto claim. I was originally told, even on the deposit receipt, that the funds would be available the next business day. Therefore, I set up the vendor who repairs my vehicle to be paid in accordance.

I have convenience, I’ve been a business customer since the 1990s. They recently sent me a several page document to verify my business information that they already have. One of the questions was asking for my Social Security number which I provided only the last four digits due to mail fraud, and mailed the forms in. They put a lock on my business accounts, and put a hold on my personal and business accounts for bill pay! I went into the branch and they said I have to call to get my accounts unlocked.

For many years I used direct payment method to pay my Bank of America Visa card bills in full. This way my payments are always on time and in full. In November 2019 I called Bank of America customer service and asked the representative to change my direct payment from one bank account to another. The female representative said it was done and gave me a confirmation number. On January 30, 2020 I received a notice from my credit reporting agency, TransUnion. I checked and found that Bank of America had reported that I was delinquent on two bills. Consequently my near perfect credit score plummeted. I was surprised and puzzled. How could that be?

My wife and I have been with BoA for over 10 years. Our checking, savings, and credit cards are all through them. They've been pretty reasonable so far. Their treatment of us over the past couple weeks has lost our business forever. I guess there are some federal regulations that require banks to verify their customers' personal information is correct. That's fine. To contact us about this, they sent emails and (apparently) physical letters. Personally, if I get an email or a letter saying our account is in danger etc etc, my scam alert goes up and I ignore it. "If it were that important, they would call."

This bank is horrible. I have never done business with them and I never will. They allowed someone using my name to open six (6) accounts in my name. They sent statements which alerted me to the problem. I called to tell them that I had not opened the accounts and the activity was fraudulent. The computer that answers the phone wouldn't connect me to ANY department until I gave them my account number or social security number. Since I had not opened the accounts, I didn't have an account number and since their bank had already allowed fraud to be committed in my name, I did not want to give them my social. I had to take a back door to get to an agent.

I'm a customer since 2003 and recently when I called to Bank of America they gave me incorrect information that cost me money, When I spoke with the supervisor, only said, "Sorry for this wrong information." I will not recommended anymore this Bank. In the last year you have to wait too much time to speak with any associate and they do not provide solution.

I'm well aware most banks make revenue through their fees. B of A is very good at making getting fees from even the financially responsible customers. Basically any time I have a low account balance I will try to deposit checks to avoid over drafting. Conveniently enough most times I do this my check is "held" for over a week so not only do I get over drafted but I dont have that money in my other bank account.

I received a letter from BOA in November to thank me for opening an account with them which I never did. I immediately called in to close this account and it took about 2 hours just to get through to someone. If I'm calling in to report fraud, why would you ask me what my account number is and then asked me what kind of account it is? How would I know?

They literally Stole $305 from my account, blamed it on the payer, even though they collected the funds from the Oregon Dept of Revenue, never credited my account, and had the gall to tell Me to have the state of Oregon file a claim against Them in order to get My money back, which the Oregon Treasury confirmed B of A TOOK from their coffers... NO Integrity, Dishonest, Uncaring. I would NEVER recommend doing any business with this corrupt, unapologetic company.

Good afternoon, On October 7th 2019 I returned a vehicle to Aruba Thrifty car rental. Upon inspection I was charged an additional 100 dollars for what they say was a small again SMALL DING in the front fender. I send BofA proof of pictures and all the documents I had. They credited me the money and then this morning they put the 100 dollars back on my Credit Card. I hope you need the 100 because you just lost me, my family, my friends, and any enemies may have. I will make it my mission to make sure nobody uses Bank of America ever again.

Been a Bank of America customer for over 30 years. Was charged a $25 maintenance fee for a checking account that they no longer offer. They did reverse the charge and said I would never receive another charge. After receiving another charge I called 2 have it removed and they refuse to remove it. I can't believe they'll risk for 30-year customer for $25 charge.

My experience with Bank of America has been horrible. I wouldn’t recommend their establishment to anyone. They charge you multiple fees, their customer service sucks, and they hold your money and charge you overdraft fees for your transactions. I would not recommend opening a business or personal account with them.

I've been dealing with Bank of America branch at 1450 Walton Way Augusta GA 30901. Over the past 8 years since I've moved here and over the past 3-5 years they have done things there way. So as far as I'm concerned it's not banking my way, it's more you have to do the banking their way. SO BE VERY CAREFUL DEALING WITH THIS BRANCH. I'll explain as well as I will be taking my problem to the Corporate office as well as the Better Business Bureau and advise everyone else to do the same.

BOA customer for over 20 years!! 3 checking accts, mortgage and home eq accts. Responding to all the other unsatisfied customers and providing additional information for those considering BOA. The only positive thing I can say about BOA is that their website is easy to work with. That's it. 20 years as a customer and that's it in a nutshell.

I stopped in at Bank of America to cash a check, that my tenet gave me from bank of America in Lindstrom MN. They wanted to charge me $5.00 for cashing their customers' check. I put the fee on my Discover Card. When the bill came from Discover I disputed it and got my $5.00 back! CROOKED bank....

I've been with Bank of America off and on since 2004. I started a new checking account and decided to take my paycheck into the branch to deposit it. The teller tells me they would hold the check until January 23rd. Cool! That was no issue. However, I called the automated line and was told my check is holding and will be released on January 30th. This is a big problem!! I have small kids and have no idea what I am supposed to do for money until then. I called their customer service department and was basically told "I understand how you feel". How could you possibly understand how I feel when I can't even feed my kids. What makes matters worse, is no one could tell me why my check has been put on extended hold. I asked for the name of the dept. I could speak with and was told they do not speak with customers. Stay away!!!

This is the second times. So, I have to write so that you may aware. I am a more than 20 years customer of BOA and using their full services including 4 accounts (2 saving and 2 checking account); I have two cards from BOA: BOA World Master Card and my BOA debit VISA card. Somehow, after I renewed my cards (credit and debit) in 2019. BOA set up something wrongly into my current cards/accounts so that I can never purchase any international items, they keep require additional verification steps so that it failed ALL purchases including buying directly international flight tickets from Air Thai, Qatar Airways.... websites (NOT thru any ticket agency / tourist services). So, I am temporary full-time student in India, my US phone will not be available for using in India (the sim chip is incompatible). So I have to use my alternate cell phone number in India.

I opened an account with BofA about a month ago. Today they closed my account, without reason. I had no overdraft fees, I had over $1300 in the account, I had direct deposit set up. And I went to log on and my account was locked. I called their customer service phone number and the guy told me that they decided to close my account. When I asked why he gave me some corporate spiel how they can close an account whenever and they don’t need a reason. So I asked to speak to a supervisor, considering I had just deposited quite a bit of money in the account, and I had bills I needed to pay, plus I’m moving across the country in a few days and I need my money.

I've been with BoA for more than five years and during that time have heard numerous personal and business acquaintances complaining about what a terrible bank BoA is. My experiences with Bank of America have been limited, but none of them have been positive. Today I went in to make a withdrawal and get some information about my account. From their manager to the 'Personal Banker' to the Teller, customer interaction was terrible. My guess is that being the crap company that they are, they are not able to get, or to keep, quality people.

I wish there is an option of negative rating. I would have given them a lowest ever rating possible. They are the horrible bank to deal with. With decades old process and online system, I am not sure how they are surviving in today's world. Now I will explain the specific issue I faced. I had a checking account with them with a direct deposit setup. Along with this I have a credit card too. I used to pay my credit card bill online using my checking account. Few weeks back I closed my checking account for hell lot of issues like: 1. You cannot move funds quickly, 2. Their savings account APY is the lowest in the market. 3. Lots of restrictions moving money to and from. etc.

I had a BoA Master Card Credit card for almost 20 years with with over a $10K credit limit for most of that time. I have excellent credit and had no issues for most of the period I had the card. I'm a person that pays off my credit cards at the end of every month. I hired a new bill paying service to pay my bills and there was an issue with my MC credit card getting paid for a couple months. I found out in month 2 at the 60 day period that the card hadn't been paid. I got the issue resolved with my bill paying service and called BoA and told them payment was sent electronically and was on the way. The next day I received an email telling me they had lowered my credit limit from $10K to $500. No notification, no warning, just whipping out my credit limit over a total amount due of $200.

I’ve been banking with BOA since 2013. I only opened an account with them because I lived abroad in Germany and Deutsche Bank allows me to use my BOA card without any fees. The past two years have been horrendous with them. I opened a business account and the banking specialist (not a teller) asked me what the difference between an LLC and a DBA is, she fills out my EIN number incorrectly and then asked me what an EIN number is. They also told me erroneous information that costed me money (saying my business partner doesn’t have to be physically with me to be added to the account.) They love charging fees. I had nearly $200 in fees for having insufficient funds despite having deposited back nearly $400.

I have been a client of BofA for 12 years. My credit card bill was due on Jan 2nd for $184. It was New Year's, I was travelling with the family, and had $94 in my Checkings Account. I have AutoPay on, precisely so I don't miss payments. On the 2nd, there weren't sufficient funds on the account. BofA charged $25 on my Credit Card as a "returned payment fee", then $35 on my Checkings account for "overdraft" and then $12 on my Checkings account as "maintenance fee" because my balance of $94 is not "high enough".... So in total they charged me $72 for not having $184 in the account.

I closed my Bank of America credit card yesterday. Please keep in mind I have been a customer for years. Always paid my balance off and no late payments. On 01/02/2020 I have a fee charge for almost $30 for a credit card transaction. I paid my mom car payment on the company website. The company website use Western Union. The CSR tells me it was a cash withdraw payment. How is that a cash withdraw payment? The CSR would not waive the $29.41 fee so I closed my account off. My credit card account balance was $2,079.41. It was the principle of the situation. Obviously, I had the money but the fee was ridiculous due to it was a credit card payment not cash advance. I will continue doing business with Discover. Excellent customer service and will love to have your business. P.S. I have proof of the credit card payment not cash advance payment per BBA CSR.

I left Bank of America after about 15 years of banking with them. Hands down the credit cards and perks I get at the other bank I switched to are better. I have kept my cc with BOA because I have had it the longest and it is factored into the maturity of my credit score. Having said that, I have two Chase cards where the perks are significant. BOA offers 5-10 percent off on a few items and stores and this does not impress me. I just got another 90 dollar Amazon Prime card to spend at Amazon from Chase for paying off my card. I charge items monthly and pay them off monthly to build my credit and get these rewards. Additionally, BOA of America would not reimburse fraud on my debit card. This is why I switched from BOA to another bank. It just made better financial sense. I also got a stipend for opening new accounts.

I am utterly disappointed with BOA, What's sooo American about holding and freezing my funds. Not only did they put a hold of over 10 days on a cashier's check, but they also decided to freeze my account. I'm definitely switching banks ASAP.

Bank of America are crooks. I had a claim with the bank for $490. They denied my claim only to confirm 5 months later that my claim was valid and they would be issuing a check. Well it’s been 6 weeks and of course no check. Don’t Bank with these people. The fees are too high and they do not help their community. Bank with a credit union. Much much better results and they are loyal.

I had been a customer with Bank of America for 30 years and I finally have had enough of them arbitrarily changing the rules on my accounts in order to CHEAT me!!!! I called 3 times with my latest issue while enduring very long hold times and they refuse to stop charging me a monthly fee that they made up with no basis for charging that fee! The last person I spoke with, Tiffinay in South Carolina, didn't know much about Bank of America and definitely does not have proper training to talk to customers. I also asked her to explain the basis of this charge and she could not explain why, but she was adamant that they are valid fees. My advice is Don't get an account at Bank of America to begin with and if you have an account at BofA find another bank that is trustworthy!!!!

** of America did a inhuman thing to me. Thank goodness I found out sooner. On 12/ 23/19 I made a purchase. The cashier told me the register stated for me to “contact bank“. I was taken aback. Surely it’s a mistake. I have funds in my account. I called BOA. I was told my debit card is closed. I had to call Monday ( next day ) to find out why. I was doing Christmas shopping! The next day I called ** of America. Yes, they confirmed my account was indeed close. The told me “It was a business decision“. WTH. I’ve been a client for 14 years. They just cut me off. I was a Preferred member.

After being an “Advantage” customer for nearly 20 years, I will be closing my account with them. It appears, after reading some recent reviews, BOA needs your money this holiday season! I am finding that what happened to my son and I is happening to others. My son is disabled, and I am his legal guardian. He tries to be a contributing member of society and holds down a menial little part time job. He shares a bank account with me. He has worked for the same company for 5 years. ADP cuts his paychecks, and Wells Fargo is the originator.

Imagine having a business bank account open for 5 months, and after the first 30 days, all of your deposits are available the next day, as promised. The bank account has never had any NSFs, nor any returned deposits. One day you deposit the same $9k check to your account, which has been deposited multiple times before. The check is from the same customer, drawn on the same bank, and the same amount, as all of the times before. The online banking system and mobile app, show the deposit, and clearly states "Credit pending (available to cover items posting on the same day as the deposit", available next business day for withdrawal and debit card purchases").

I can't believe BOA decided to be closed on Christmas eve!! I can't get my deposit until Thursday!! Other banks are open and will be closing early, which is fair, but for BOA to be closed on Christmas eve is terrible! If you were open for a few hours, then those of us waiting for deposits would've received them! A few hours isn't asking much, and your employees probably had to use their time to get paid for today, if they had any, other than that they don't get paid smh, shame on you BOA! And for that, you could've opened, even though I'm sure the employees are enjoying this day off but still, we needed our money!! There was work to do, you guys dropped the ball!!

I made a regular monthly payment, more than the minimal, to BofA before the due date, which they did receive. I then followed with an another payment, again well more than the minimal, 3 days after that month's due date thinking this would go towards the next months billing cycle, basically paying the next month early. Then I receive the following month's statement with a $28 late fee which they refuse to refund. As it turns out I'm told both payments were put on the "first month", even though the second payment was 3 days after the first month due date. I'm told if the second payment would have been 1 day later than it would have been applied to the next month's statement. I'm ok with that explanation, but under these circumstances I would expect the late fee to be reversed, not with BofA. It's very clear to me now why they have such a poor rating.

Both of my credit cards (BOA and Citi) were breached by the same company. Citicard took care of it immediately. BOA initially sent me a letter saying they had taken care of it, then they reversed their decision. I spent 4 months trying to straighten this mess out, they refused to help me and make things right. Do not use this company. They have TERRIBLE customer service, their automated call center is worse than obnoxious and they will not stand behind you as a customer.

Went into bank branch to apply for auto loan. Bank placed wrong personal and password information into loan application, so I could not check on process for several days. Some was also wrong with the loan officer's sending emails, as I never received any emailed paperwork, even when (after several attempts at calling and being on hold) I was on the phone with the loan officer and he attempted to send emails. Car seller tried to send, via email, the registration and title to loan officer email. Loan officer said the images did not go through. This part went on for a couple days. The seller's third attempt at sending the title and registration images went through.

I spent nearly more than month trying to get an auto loan, during that month nearly called the bank every day and every day I Discover that I'm dealing with people don't know what they are doing or even care for the customer, Really this is the worst customer service experience I've ever had, They promised me many times to finish my loan, they apologized many times, they left me many times without any updates till the documents they asked for it expired.... Soon I'll close my account and credit cards from this bank.

I usually don't write reviews but in this case felt obligated to do so. If I could give this bank a zero rating I would. If you're considering starting a business or opening a personal account please stay far away from Bank of America. If your acct ever gets low $30-50 what they do is show you have a certain amount there, you might use your card for something small let's say $5-10 and once a large sum is deposited they hit you with multiple $35 fees.

My husband's gets paid biweekly, and his paycheck was supposed to be direct deposited on 12/6/19. It is now 10 days later and all that has posted to the account is $0.01, out of $782!! They have given us every excuse in the book, and made up a few new ones like 'the account has to stabilize.' It's become obvious that they have no intention of ever giving us our money and bills and rent are severely past due. We are talking to a lawyer tomorrow.

STAY AWAY FROM BANK OF AMERICA! Charging you for overdraft fee for 5 times in a single night for $35 each. You don't receive any warning when you are charged overdraft for the first time because they make it when you sleep at night. What a ** bank! Other banks gives you couple days to make deposit if your balance goes negative, they do not charge you overdraft fee! But boa does very badly. Always transactions are reflecting days later, orders are changing so you can never track properly! Another thing; you pay your credit card, it is withdrawn from your checking account sooner but you can NOT see available in your credit card accounts for DAYS! This bank sucks, not friendly, trying to put you worse position, without warnings and helps! I have lot more to say!

Their customer service is absolute trash. There is never any actual help. I had a claim opened with them and they never contacted me once as it was explained to me to gather the facts, proof and etc to support me in this. Not only did they deny me my claim (while I have all of the proof) they also have all of the information on the thief I got scammed by. His name, bank info, location. It’s great knowing that they’re there to protect the bad guys. I will be looking for other bank options from here on out. Waste of 10 years.

My wife and I had been injured and could not work. Our mortgage was 127k when BofA began helping, when they sold it our mortgage had grown to nearly 200k. We needed a loan mod. They sent the mod. papers. We followed the instructions and returned the papers only to be told that we did not send what they needed or things were missing so many times I lost count yet would not tell us what was needed or missing. We sent all that was asked for time and time again. Our mortgage is go up the whole time. The company who bought the mortgage modified the loan the first time. No problem. By that time b of a stolen all they could from us and moved to the next victim. They need to be in jail.

Age can be a cruel partner, especially when dealing with Bank Of America. Is there a Support of Elder Abuse clause written in the handbook for aspiring employees? I have had to endure the endless avenues of deception that seem to be common practice in deflecting responsibility in the banks wrongdoing. I am not even sure where to start, the list is as long Tolstoy’s War and peace has pages, or the last two years of my life (this started in April 2017). So I think a few characteristic excerpts will give you a fine idea…

Applied for auto loan 2 months ago, nobody called me and every time I call they apology and said, "Will update you sir," and again no call back and every time please upload documents and different issues, Really worst customer service ever I had.

Brandon ** Wed, Jun 27, 2018, 10:13 PM to takeittoakin. Hello, Have you ever lost your credit card and feared for your financial future? This is not your typical story about credit card fraud. Let’s start the story at the Houston Police Head Quarters in downtown Houston. This experience started with the routine metal detector and waiting time that you might experience in any government building. Initially, I went to file a police report for a current fraud case with Bank of America, but after the procedural forms and Police Report I wanted more.

This bank was unable to help when we really needed their support. My husband & me paid $560.99 using BOC credit card to one of the most fraudulent online ticketing agency for a rental car hoping to use during our last vacation abroad, but we could not get the service at all. The ticketing company denied to back our money even though we did not use the service. Then we asked help from the bank. For the first time, they easily resolve in favor to this fraudulent online company. We again requested & gave the all evidences & communication records that we had about this transaction to reopen.

Getting run around In circles by customer service is a normal thing. They will all tell you different policies and none of them are consistent with each other. They will randomly hold funds and make you wait days to receive them. I waited days for funds to cover the fraud on my account. (3rd time) And new fees after 10 years, and hours on hold with customer service, I’m done.

On 11/29/19 I noticed a charge on my account which I didn't authorize. Immediately called the Fraud Department cancelled the debit card and did reissue new card. But when asking about the refund of monies plus the overdraft charge I ended up getting several answers and no 2 answers are the same. SO unprofessional. Was told charge will fall off then no it was posted now who knows. As of 12/3 still don't have the monies back in my account. I have never had such horrible customer service and return of funds. As I am typing this I am on hold which I have been for 20 minutes VERY UNPROFESSIONAL AND CUSTOMER SERVICE!!

Hi! I had the worst experience with BOA today. In fact it reduced me to tears of frustration. I deposited a money order of $650 on 11/28/19 at their ATM location. They put a hold on the funds until 12/10/2019. That is 12 days!!! I was down to $7 in my account. I was worried I would go into negative balance and then get charged overdraft fees. So, I called their customer service number, explaining my situation. I was on the phone for 2 and a 1/2 hours, pleading with them. Nobody would help me. I couldnt believe it. It wasnt as if I was asking for a loan. I am asking for money I deposited. A MONEY ORDER is equal to CASH, you dumbos. A manager called "Young" was very condescending. She said they would Give me $200 which had to be withdrawn before 12 midnight!!!! ID ** is the manager's I.D., or so she said. I've never heard of such nonsense. Needless to say, I will never bank with them again.

/cannot resolve an issue online with BOA? Try to call their customer service! Plan on having no one coming to your aid. Listen to repetitious auto messages etc etc., Same thing time and time again. Nobody want to talk to you. Want to send an email Regarding your account? Forget it, no chat line either. Only way to resolve issues is to cxl the c/c's! Put the phone down 90 minutes now, still nobody home! They have a feedback page with client relations woman in charge, what a joke!

This bank's interest rate is well above the national average. I experienced an uninitiated increase in my credit line and at a time when I transferred some of my balance to save interest, my credit line was reduced drastically, adversely affecting my credit standing. I also did not receive a complete credit agreement and was unaware of many of their policies.

This is the worst bank and worst customer service available. I filed a fraud charge on my account and they acted like they were trying to help. Without notification they denied the claim and assessed $315 in charges for themselves on my account. Was told when I called that she could not explain the additional charges and to look in my message center. Still no explanation for the additional charges. Changing back to Chase Bank. Looking at the fees since 2014 I am astonished and should have paid more attention sooner. This should be illegal.

Services were absolutely terrible. I was sent in circles for 3 hours by your customer support having to recall back because I was transferred to offices that were closed. Then when I finally was able to reach the right person THREE DAYS LATER she said she would take care of my problem and waive my returned check fee (Since I had no idea this had even happened and it was a mix up at my bank) and unlock my bill pay.

On 10/14, I mailed a Bank of America (BOA) check in the amount of $1200 to the address below: Internal Revenue Service, Kansas City, MO 64999-0202. After receiving a letter from the IRS on 11/2 that the check was not received, I logged into my BOA account to check the status of check #**. In reviewing the check, I noticed that it was cashed by a Merchant LL2 at a UMB bank. I immediately called Bank of America fraud and initiated a claim.

BOA at 25260 N Lake Pleasant Pkwy, Peoria, AZ 85383. This is absolutely the worst bank ever. The manager ** is a complete tool. Unhelpful, more interested in eating or talking on the phone to do her job. I mean what does she do besides stand there and look stupid. Only one young lady helping people. The other banker just sits in his office on his phone. I can't believe Bank of America would be ran in such a horrible way. Waited 20 minutes to get help. I would not recommend this bank to anyone. Definitely looking into moving my accounts.

It was easy to tolerate the changes in this business account. Hundreds of thousands of dollars deposited over the years in my business account. Ten or more years they took away drive through, then business teller. But this month, 1 business day hold? Not going to happen. My wife and I were tired of standing in line for up to 1/2 hour when only 1 teller was in our branch to take deposits. Bank of America is the worst bank I have ever banked with. I got a letter from the BOA President once. And credit for a stupid account mistake YOU made. I'm gone. But my social media truth will last for years. Don't open a business account with this bank. They don't understand business at all.

They probably have the worst customer service here. The managers are incompetent and rude, and the employees they hire are pretty much the same. The quality of customers they cater to tend to be ** so the staff mirrors that. Never going back here again. Plus it's outdated and the service is really slow and awful.

I had experienced a double draft in my account to which overdrew my account. This was not my fault. I had the money in the account and for some reason, probably to get more money out of me by overdrafting my account, they declined the first transaction and it didn't show in my bank account for about 30 minutes. I checked to make sure it didn't go through so I could try to do the transaction again. Oh boy, did it go through, twice and I called Bank of America right away. One of the representatives that I spoke with said they weren't able to do anything until Monday. Okay, fine I can survive a weekend. This started on 11/15. I wait until Monday 11/18, still nothing. Okay, maybe it's just delayed from the weekend. Called on Tuesday 11/19, said it would be in my account Wednesday. Still nothing.

I couldn't cash an $8.00 check because it was made out to my nickname and my license has my birth name. OMG, I have a bit more than $8.00 in my account, not to mention that we have been long time customers. Can't stand the inflexibility of this bank. It has happened before. I can see why BOA has only 1 star, and that's probably too much.

Have been with BOA for the last 14 years paid off my of 5k balance in full. No late payment history and they refuse to remove accrued interest charges of $28 for once. Never ever asked then any adjustments before. Will not use them again!

** service and process. I haven't seen this kind of worse things happening on my account. Fraud transactions happen frequently and slow transaction influences my purchase multiple times. It Sucks. They said they are 24 hours service but I actually waited for 30 mins and no one response. What a liar!

When I opened my BOA credit card, the system allowed me to select an auto-pay date, so I set it for the 15th of each month. Typical date for an autopay. My designated payment amount was deducted consistently, every month for 6 months. I didn't think I had anything to worry about, so I left the account alone. When I decided to look at my transactions one day, I noticed that I had been charged a $39 late fee ON THE EXACT SAME DAY AS MY SCHEDULED AUTOPAY. What?

Scammers in the first degree. Got a new car loan of 4.84 when it should have been 2.99 because of an 840 credit rating and 23 years of being a customer. Not only did I not get a good rate, they gave me the very worse rate and then admitted I should have had 2.99 but that they could not correct it even though I had not even made a payment yet. I am pulling out ALL my business and closing all credit and cards with them. They are criminal!

Called BOA customer service was on a hold for an hour and a half to be treated like I was nobody. Then I make an appointment for the local branch and was called by the person I was to have an appointment with and was told that there was somebody that had an appointment prior to me that would take longer than necessary and could the issue be handled over the phone. I immediately called back and spoke with said person and asked if she could please hold for a moment as I had a customer in front of me (walked in after I was on the phone) and she said "just come in for your appointment, I have somebody waiting.

Been on hold for over 90 minutes trying to get an answer as to why BOA continued to take auto payments for an account that was paid in full and had a zero balance. In addition they billed interest for a balance transfer to the wrong account, and seem to have bungled up my auto pay and are charging me returned check fees for auto payments that are set up (properly) to make payments from an account that is fully funded to make said payments. If there was a zero stars that is what I'd give them.

Very careless telephone customer service. They are never there. Tried to get my lost credit card replaced. Swung me from option to option during the call, only to tell me they cant do anything about card replacement on a call. They also claim their Netbanking got many options including card replacement. But in reality, Nothing is functional on their netbanking as well. Shame on them, the bank that caused me the most inconvenience to date.

I was lied to when I asked about when funds would be available if I deposited yesterday. I was told the funds would be available "tomorrow if deposited today". That was yesterday, 11/13. Today I am told the funds will not be released until 11/22. I could have cashed the check 1 block away and deposited cash if informed of the slightest chance of a hold. Now I am facing cancellation of my auto insurance, loss of utilities, nothing for any expenditures of any kind. Interest on title loan ($250 approx. 11/28). I could have gone 1 block to Wells Fargo cashed the check and deposited it into the bank if I wasn't lied to. The title loan was to cover expenses while refinance/debt consolidation is finished. I was told by the Bank Manager that all the teller is allowed to tell me is what is on her screen...I would have had more information from the ATM.

I opened a checking account and deposited funds into it. A few days later I'm told my account was going to be closed and a check for the funds would be mailed to me. It's been two weeks since the checks was supposed to be mailed and I still have not received it. I called Bank of America and they tell me it was never mailed but transfered to another department for processing and they have no idea when I will get it. This bank is terrible, its associates have no idea what they're talking about, they lie to, give you the runaround. This is the worst experience I've ever had with a bank! I know bank of America isn't hurting for money to the point where they have to steal mine.

Bank of America used to be great 'til they started hitting people with maintenance fees of 12 which to me is ridiculous and it's not right at all. How do they expect some to have a certain amount of money in there if they keep taking out 12 in maintenance fees. This is why they stink and I surely will be taking my business elsewhere.

Updated on 12/05/2019: So I opened an account back in September. My husband and I were mailed debit cards he got his pin number I didn't. So I had to call customer service and request one because you apparently don't get to pick your own pin number... They said it would take 7-10 business days to get a pin number so with that being said my account was absolutely useless beings I couldn't even activate my card without a pin number so the account sat idle for a while. I finally get the pin number in the mail and I set up my mobile banking app and set up my direct deposit and I also got an insurance check in the mail for 1700 bucks. So instead of getting the check cashed at a bank I deposited it through the mobile app. Within 5 minutes of me depositing that check though the app my account was frozen and closed due to a security issue.

This bank places completely unnecessary holds on financial transfers just so they can make money off the float. This is not only consumer unfriendly but also a total scam. I needed some funds transferred after many similar transactions over a 25 year period, and they placed a ridiculous 9 day hold on those funds so they could profit from what they would earn by holding the amount. Bank of America should be ashamed of its terrible practices under the fake umbrella of risk management.

Bank of America and these RIDICULOUS policies are the problem. I deposited a money order on 11/05/2019 which was dated 10/31/2019 and it has already matured and it's verifiable. Why are the funds being held until 11/15/2019? Now, my account is in the negative because Bank of America has charged me monthly maintenance fees but are holding my money. As soon as this situation is cleared up I am DONE with Bank of America!!! Account Closed as of November 15th!!! Very Disgruntled

I would give a zero but cant or any negative numbers. I made 3 deposits for a total of 1500 dollars. Checked my account, the bank took the 1500 and said I can't deposit my wifes or 2 yo sons ssdi check in my account. Problem is I've been depositing these checks for the last 4 years the same either ATM or Mobile banking. Never ever ever an issue until today Nov 5 2019. They wont give me my money back nor will they give me the original check. They tell me to have a new check issued. Problem is You cant re issue a Government check that has been cashed. They are thieves and have stole money from me and now I am overdrawn by 600.00. Dont ever bank there.

Recently I had to wait one year to get a refund on a check fraud for a stolen check on my account and I had to micromanage the process continually because they kept losing my information. Now I did not get a refund to my checking account for a store return and I cannot talk to a live person to figure out what went wrong. Bells and whistles are fun for bank services but God help you if you have a problem and need to talk to a live person without a one hour long wait. 2 strikes and you are out. Goodbye Bank of America.

By phone they are great but in the bank specially in Kearny NJ they are absolutely disrespectful I can’t go there. I was with my children so my option was to be quiet and never come back. My husband and I when we need to do something with the bank we use a customer service by phone, only use the Atm there, and never talk to them again in my life.

I am so disappointed by your customer service. I called to get a statement, they sent over the wrong one. I had to called and be one the phone for 1 hour to clear up the wrong statement they sent. The call got disconnected and the representative didn't even have the decency to call me back to finish clearing things up! Called the next day, they gave me the option to mail or fax the statements again. I asked for it to be FEDEX, the customer representative had the audacity to say they can not because it would cost Bank of America money! Bank of America sent the wrong thing. Instead of apologizing for the mistake and making things right with the customer, they care more about making money. Very very disappointment. I will be looking into switching banks.

If I could give this bank a zero rating star, I would. I pay the yearly fees for the Bank of America Alaska Airline credit card and they had a promotion to transfer balance for zero interest for 1 year and I took advantage of the promotion. However, I started getting charges for the interest anyway even though I have been paying above my monthly payment. The reason was because I have been making new purchases on my card and even though I made more on my monthly payment, the bank is still going to charge me interest anyway. WTF!! If you like to pay interest then go with Bank of America otherwise there's plenty of other banks that you could get your credit card from and pay no interest with their promotion. HORRIBLE CUSTOMER SERVICE and WILL CHARGE YOU AN ARM AND LEG for their interest.

Prepare to waste your time with this bank. First of all, it took forever to set up automatic payments for my Bank of America credit card. I had to set up an appointment with an advisor at the bank, go there and fill out a form to set them up. The advisor then sent the form to set up the automatic payments and it took a whole month to set them up.

I retired in San Miguel Mexico so Bank of America closed my debit card. I paid $15 for a new card but never received it or heard from them again! So now I'm stuck in Mexico with no way to access my money! They are incompetent and don't care about people!

Over a weekend, I opened a new account online with BOA with a $300 promo special. The following Monday I go into the bank and am told that we need to open a new account and transfer the deposit and promo over. I was at the bank for 4 hours. 3 months later, I go into the branch to inquire about the $300 promo and am then told that they cannot pay and have to put in an escalation. So, I spend 3 hours in the bank as we put in an escalation.

Deposited a check for $15,000 (my sister's check) on the 15th of mo. in ATM. Found out they put a hold until 24th of month. I called to complain. I have put checks from that account in my account before. BofA suggested that she stop payment and I get cash from her bank and deposit. When she called her bank the funds had been withdrawn on the 15th, same day that I deposited. I called back to let them know that and still they said the hold would stay. Clearly a 43-year customer means absolutely nothing to B of A. They could have cared less. Time to finally cut the ties.

They force you to pay fees of $12/mo if you don't do direct deposit or have $1500 in checking. I was forced to get a BOFA account to pay off a credit card that kept rejecting my credit union. Also, they keep rejecting me for credit cards despite an excellent credit rating. One time I told this dumb woman they had on the phone I had $60,000 in investments and no income at the time and she didn't get it. Avoid them. Go with Chase or Citibank.

Bank of America is holding a check I deposited at a Bank of America ATM for seven business days despite the fact that the payor is a known and credit worthy payor and I am a multi decade customer in good standing. I spent 25 minutes on the phone with a supervisor pleading my case because I have checks drawn against this deposit and still the bank is withholding the entire amount of the check. Apparently the law requires at least $2,000 be credited if the payor bank is a local bank which it is. Basically B of A is using scare tactic of money laundering risk as an excuse to earn extra fees by holding on to customers' funds. Another way for the bank to profit from the float on their customers' accounts and forcing customers to use overdraft or draw on HELOCs. This is so unethical. I am going to look for another bank.

Military Rd. Branch Niagara Falls NY. The bank manager is rude, disrespectful, and lacks the knowledge and people skills necessary to do her job. When you have to sit and refuse to leave in order to solve a problem, and only after the cops arrive it gets solved....HOUSTON WE HAVE A PROBLEM! 'Nuff said. Joseph

The "regulatory specialist" contacted me but I have left over six messages and no one returns my call! I am angry and frustrated that they do not follow through with their customers. There is no one place to write, as I finally decided to do, so hopefully corporate headquarters will do something!

I’ve been banking with Bank of America for over three years. 75% of my work over the past three years has been with a large manufacturing company that is less than a mile from my local Bank of America. I am a general contractor who works for this local company on a regular basis. Bank of America has put checks from them on hold two weeks in a row and has done this often, averaging once a month over a three-year period. They tell me It is because the checks are more than $5000. Most all of my checks that I deposit are more than $5000, so why should I bank here? There is no reason to put a hold on checks that they know from the history of my account (and the fact that it is a huge corporation) that it has plenty of money. Now is the time for me to change banks. With the high technology that we have in this world, they should know if a check is good or not and not put a check on hold for no good reason.

I made my first late payment with BoA, which happened to be one day late. They refuse to work with me even though I've had a long history of on-time payments. Congratulations, you've lost a customer. Enjoy my $25 late fee because that will be the last you ever see from me.

This is the most unprofessional, unreliable service I have ever seen. Don't count on BoA to uphold any agreement that they sign, they will inevitably ** you. And definitely don't count on their "customer service" being any help at all as they won't even listen to your complaint, they will simply parrot back the ** script they have in front of them while constantly interrupting you. Rude, incompetent, and a mystery how they maintain any accreditation whatsoever.

Their customer service system sucks - Their system sucks because you have to talk to a different person every time you call and reiterate your problem over and over again. They do not understand how big of an inconvenience this is for customers like myself who have to deal with the same problem for two months. They denied my claim 3 times because they cannot figure out which claim it is categorized as and how needs to be filled out. They also deny your claim even if you have provided the information they asked for. They do not get back to you in a timely manner.

I wanted to be safe. I had a small casino win (1575). The Horseshoe ask if I wanted cash or a check. I said check just in case I was robbed on the way home. I got up, went to the bank Saturday morning (inside). I spoke with the Branch Manager. "Oh sure. We will give you 500 dollars counter credit this morning." I said, "are you sure." "Yes, of course". "The rest will probably clear on Tuesday after 5 pm. Guess what!!! I checked my account Tuesday morning -491. I have never in my life had a negative balance. I am done. So done. Liars. I ask them before I deposited this check whether or not it would clear. Is it a deposit hold on the check until 10/17. Mind you I deposited this check on Saturday October 5.

Computer upgrades are supposed to be seamless to the customer. At BOA, they seem to advocate the opposite. My current problem is the inability to schedule regular transfers -- between accounts as well as to outside parties. These have been routinely rejected over the past few weeks without explanation. Also personnel at the branch banks are NOT given the authority to help with these problems. Reaching an online associate is its own frustration costing much time as well as aggravation. I am called a Premium Platinum something, something customer but I am treated in a way my own business would never treat any customer. Perhaps BOA has grown "too large to succeed" to twist a phrase. In any case, I am getting very close to taking my business elsewhere after 15 years with the bank. This is only the latest installment of an ongoing saga -- structural incompetence or lack of care?

My wife and I have been a Bank of America customers for over forty years. We have banked at the same location in my town in the San Francisco Bay area the entire time. We will close our account as soon as we make arrangements for payroll deposits and recurring automated payments. My wife and I are recently retired from over forty years as educators in our area. We do not have complicated financial dealings and have only our credit union account as our other banking institution.

We were entangled in a mess whereby Bank of America enrolled us in a program at reduced payments and reduced interest rate. We paid the proper amounts due but were subsequently told that we were not enrolled in such a program and the bank charged us late fees. The original enrollment associate was supposed to have a read a disclosure stating that we would have to wait for a letter of approval. A subsequent associate informed us that the enrollment associate "never actually did anything to move the process forward but just left the paperwork dangling, with nothing done."

Our company has been in existence for 4 years now. We recently received a payment of $12,500 from our customer using Bank of America Merchant services. This was our 2nd transaction through BOA merchant. The first transaction took place earlier that week. We have never to this day had a charged back transaction from a client to this day. Bank of America held the payment HOWEVER charged us the processing fee for the payment! It's been 12 weeks and they are still holding the funds. There has been no charge backs no this payment or any other payments.

Since our first month banking with this company, we have had nothing but issues with them. Fees we were never told about are being removed monthly from our account(s). We signed up for overdraft protection, that they offered, but they didn't tell us or let us sign up for the REAL overdraft protection. They only signed us up to have money removed from our savings account if our checking went over. Overdraft protection should come standard across the board as a courtesy, and you should have to opt into allowing overdrafts. The standard at this company is the opposite, their goal is to allow everyone to overdraft as quickly as possible, so the company can turn profits and take your money. They are a for profit organization that could care less about you, the customer, or your money. This is the reason you have to pay them if your account does not have enough money in it monthly.

I am SO OVER this bank and its deplorable "security". I use that word for lack of another printable one. My husband and I have been "preferred" customers for years and they only thing preferred about this bank is that we receive letters advising us to cancel our existing visa due to their hacking this bank has been on the receiving end for years. You would think that a bank that has been conducting business for so many years would have a decent, or at least a 20th century security system. 10 years ago I began receiving "scam" mail from BOA on their letterhead that was asking for personal info. When I reported this to BOA, they never responded via mail or a personal phone call that they had received these scams. Now, today, yet another letter from them advising us of the possibility of a "hacking." As of today I am done with BOA and all of their weak security and protection of their customers.