Bank of America Reviews

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.

I called into the customer service line to ask some questions about a deposit I made. The first representative I spoke to did not speak very clearly and was mumbling. After I asked a few question, his only response was that he was not sure and then proceeded to ask if there was anything else he could help me with. I asked to speak to the supervisor, who from the moment they got on the phone, was extremely hostile. She was very rude and told me multiple times that my knowledge and understanding of the topic was incorrect and continuously asked me where was I getting the information. When I told her the information came from their website and banking terms & conditions, she told me I was lying and that I clearly could not read properly. This was the most unprofessional experience I have ever had at a bank and it is a shameful representation of this company.

We closed our business checking account at which time we were not notified that the business credit card would also be closed by BOA. Upon viewing the account online as that is the only way to see the balance, we noticed there were Un-Spent Cash rewards (never expired). Trying to redeem them online was futile, so I called only to be told that there is nothing they can do because the account was closed. I asked for a credit to be issued to the card - sorry no can do. So basically they have stolen a couple hundred from us using the card at their recommended partners/vendors. Once a card is closed by either BOA or the consumer the cash rewards should automatically be applied to the balance of the card or checked issued to consumer for the balance unused cash rewards. M. **

After over 3 decades as a Bank of America preferred client, I've gotten so disgusted that I'm closing all of my BofA accounts. Service has been on the decline for years. New rules are added that are anti-consumer. They recently put a 10 business day hold on a $20k federal gov check -- making $0 available immediately! BofA earns interest for 10 days on a check that cleared in seconds. Shameful. Bill pay sent out checks that arrived late. No accountability and lots of finger pointing. So after all these years BYE BYE BofA!

They are worst bank! They didn't give my bonus points even after I met criteria. It was useless following up with them as they are good making EXCUSES! Go to some other bank for better Customer service!

Hello,

For several months my account was charged without me noticing. When I brought it up to them they said it was a mistake and would refund the money taken. Then they said they could only refund the past few charges by policy. They weren't supposed to be taking the money in the first place, and would only give some of it back because their "policy" apparently makes it okay to steal money if you don't notice immediately.

This is by far the worst credit card company I’ve had the bad luck of applying for. This company will stick you with fees every chance they get!!! I feel they are not a trustworthy company. I use the payment app to pay on the due date but they have this “trick” where you get tagged with a late fee if it is not sent in by 10 pm on the due date. I live in central time and made my payment at 11 pm and it was considered late; Mind you it was still on time where I am at. What kind of freakin gimmick is that? Customer service sucks the worst. I literally was waiting for someone to answer my call to ask about that late payment fee and guess what...47 minutes waiting for an agent to answer and nothing!! BOA you can kiss my butt. I paid off my balance and closed this account down. This is a crappy company every which way you look at it.

So I deposited check for $4500 come to find out someone had basically stole my money via the Internet. I open up a claim with Bank of America and they denied the claim saying that I was responsible even though they originally told me that the withdrawals were coming from New Jersey then it was North Carolina. Nevertheless they were not here on the West Coast and they refused to give me my money back. This bank is ghetto and are thieves. Something needs to be done as they should not be allowed to just steal people's money like this.

Called in about an overdraft (That I had for less than 24 hours) that I tried to take care of by Zelle money from another account to my Bank of America account. I was still charged the 35 dollar overdraft fee. I called in to see what could be done since I tried to take care of the amount right away. (Keep in mind all less than 24 hours) I over-drafted by 15 dollars and charged 35 dollars overdraft fee. I was told there wasn’t nothing they could do unless it was a charge that I didn’t authorize. It was an OnStar Subscription trial that ended.

Today, September 19, 2019 I had an appointment which I made online with BoA's office at 24211 Paseo De Valencia in Laguna Hills, Ca. I arrived on time and had my appointment form with me. I was approached by ALEX who wanted to know who my appointment was with. I didn't know. He "grilled" me on what my business was about and stood very close to me. He was not customer service. On the contrary, he was surly, defensive, and full of his self-importance. I asked to speak with the manager. No customer training here. I asked for Alex's last name so that I could contact CUSTOMER CARE. Nope - Alex didn't feel comfortable giving me his card - this is a business that solicits customers.

All I can say is that's too bad that B of A makes you feel like you're at the circus. They pass the ball from one to another and contradict themselves even though they're being recorded. If you like headaches then this is your bank??? I paid balance off and put my cards to sleep, not making any money on me no more...

I have been with Bank of America since they took over Standard Federal/Lasalle---so 25 years or so. I had a 23% interest rate credit card from 2013 until last week. Don't remember what my credit line started at, but it's now $13,500. I carry a high balance $8,300 - but I have NEVER made a late payment. Additionally I have a checking and savings account. My checking is tied to my savings account for overdraft protection. While admittedly a little sloppy over the years, I didn't think too much about overdrawing my checking account from time to time--though it was always inadvertent. I figured that's what it was for AND BofA made $12 off of everyone of those transactions----which might happen every 2-3 months or so. Nothing major---$15 here or there.

I have been with BOA sine they took over Washington Mutual Bank some 20 years now. Money was sent to my account by accident using the Zelle App. The money was to go to my credit card account with another bank. The person who sent the money thought it went to the bank I requested. I contacted the person who sent the money & was told they sent it to the account I requested the money to be sent. After not seeing the money, a call was made to my credit card. I was told by the card company to contact the person who sent the money or Zelle which the person did. The person was told it was sent to my BOA account.

Dealing with Boa FRUSTRATING! Made a deposit. A hold was place on it for 11 days, the written reason was “specific reason” the check may be returned. Receive stories, told “specific reason” was not on receipt that I received. Have been told fraudulent and stop payment checks are processed through the Federal Reserve Bank. Really where is the fraud between company to company transaction deposited. Told to call client and tell them no more services be performed until the bank's expiration date of hold has passed.

Several months back my mother and I decided it was time for a Durable Power of Attorney. My mother has Alzheimer's and she is in a confused state 98% of time. I live in a 1964 mobile home and mom has come here to live. It's not as nice as her homes have been. So I have spent a lot to make mom comfortable and feel secure, yet keep her safe from wandering. I am unemployed as mom needs someone with her 24/7. About 2 weeks ago BofA put a hold on mom's money accusing of not having moms best interest. I can account for almost all of the money, in the meantime our bills are all bouncing. We have little food, no gas in the car and the worst our power has been shut off in triple degree hot weather. And BofA has mom's best interest in mind....NOT!

Called from New York to try and resolve a simple issue related to my credit card. I was transferred 3 times (talked to 4 agents total). Each time, I had to wait about 5 minutes for the next agent to pick up, reconfirm all of my information, and re-explain the issue. The first three agents were polite but unhelpful/not qualified to help. The last agent was rude in addition to being unhelpful. I hanged up after 45 minutes on the phone, with my issue still unresolved. Will go to an actual BofA location to speak to someone face-to-face. What a lost of time... This is as bad as customer service gets.

I opened a checking and savings account online with BOA. Got immediately approved, set up my account, downloaded the app, and deposited money. I received my debit card in the mail and a day later received a letter stating they closed my accounts. I called and they had no real explanation as to why they closed my account. I guess they don't want any new customers. I certainly will never be one.

I have banked with BofA for several years. My account was recently locked by Joseph ** in the Fraud Dept. He locked my account this past Monday and I have been unable to pay my property taxes which are due on Friday. I have also been unable to get cash or go into my account in order to begin moving my "bill pays" to another bank. I have been more than courteous in trying to resolve this both in person at my branch and with Joseph via phone. I spoke with Scorpio at the 800 number provided on my account yesterday when I tried to access my information online. Joe finally returned my call as I was speaking with Scorpio. Joe instructed me that I needed to go to my branch when they open today which I will before he shuts my account down.

Ok, I am away from the country. My check gets placed on a 10 day hold. They have me a $100 emergency credit until the check clears. NO the $100 gets deducted ASAP the following day and still check still on hold. Called 3 different times explaining the situation in a foreign country, a representative states, "We did put a travel flag on your account." So, you know I am away in the country still do not release my funds and say there's no history of me depositing any check from my current employer. How you tend to help people when you hold their money for your benefit. I find this bank so displeasing. I do not understand how they manage to keep their clients.

After waiting 10 minutes to be answered, the BOA rep was as unhelpful as possible. I deposited cash in a new account in August, and it took 3 weeks to receive an ATM card to be able to access the funds. BOA blamed it on the weather. The credit card that was applied for at the same time is still nowhere to be found, and BOA rep couldn't tell me the status... It wasn't her department.

I have been a business customer for 22 years. I deposited a cashier's check for $50K for a car I sold. The person buying it and I both didn't want any problems so we went and got a cashier's check thinking it would help. BOA decided they needed to put a hold on on for 10 days. I spent 3 hours between yesterday and today trying to make some sense of why they needed to hold it. The bank employee even called the issuing bank and they said it was good and it was already cleared. My bank says they haven't heard from them and this is why they put a hold on it.

Please do not bank with BOA. They like to rip off hard working people. Their fees are way too high. My account is currently negative and one of my auto draft payments of $7 hit my account and I was charged $35 dollars overdraft fee. Which don't make any sense because that's a high price to pay for a little amount. They said "well you should have made sure that you had enough in your account to cover it." Well jeez I'm not perfect. We all make mistakes, plus I'm not rich like everyone else, and I'm not going off spending my money like there's no tomorrow. Had to make sure my bills are covered. I forgot!

I am very unhappy with BoA's approach to cash cashier's checks which are considered according to Regulation CC (Reg CC) of the Federal Reserve, cashier's checks are recognized as "guaranteed funds" and amounts under $5,000 are not subject to deposit hold, except in the case of new accounts which is not me. Well, BoA is clearly not following this regulation. Actually, according to this, BoA is holding funds without a reason. I think this is the end of my relationship with a bank institution that does not care about its clients....Moreover, this check is deposited in my account every month, they could not give me a reason for the hold....

I have been with Bank of America for 10 years. I have had bank charges in the past for overdraft fees and I understood why it happened. I was shocked by a bank charge of 35.00 for a cover of 1.26. I still don't understand it. I called the bank 800 number to ask why. This guy was pleasant. Told me that my account was low when a check came through. The amount was 1.26. The bank charged me for paying that. I was so upset. When I look into my account it does not show any negative transaction. It just show the charge of 35.00.

You will wait Looong to get a Representative and at the end, they will NOT help you. Just say, "Sorry oh sorry, but I can not help you for that." They don't know that you are a human person. If you don't have an account DO NOT OPEN ONE. If you have one I think to be on the safe side just close it.

I was unable to access my account information on the mobile app or full site online. I called several times with no help. I made one last attempt to figure out what was going on as I was shocked no one returned calls or attempted in any way to contact me with any potential issues. I finally reached someone and they simply stated the Bank can close accounts anytime they wish. I used to respect Bank of America but with behavior like this I have reason to claim their unethical business behavior must be in some way based on bias. I still have received no correspondence or anything indicating account closure. This is just plan sad business practice and from such a large institution. If anyone deals with this Bank, I wish you luck. I will be taking my business to an institution that is customer friendly and will treat me with respect and equality and without prejudice.

BAS has announced they are discontinuing ShopSafe. ShopSafe is one of the true differentiators that BAC has provided. ShopSafe is absolutely the best mechanism to avoid having your credit card number hacked/stolen and then dealing with all the ensuing hassles. I can shop online, with any vendor, and virtually zero risk of having to deal with my credit card number getting exposed. Do you hate the pesky auto-renewals when you sign up for something? ShopSafe easily deals with that by limiting how much and how long charges can be made. Sure, credit cards protect you from fraud, but you have to get a new card, deal with that all the places that you use your card, sometimes the hassle of proving you didn't make the charge, hassles with auto-renew, etc. Without ShopSafe, BAC is just another credit card with nothing special about it. Big mistake BAC - someone made a bad decision.

I just recently deposited a check from my job which is a government job. When I checked my account the next day to see if it was cleared it stated that they had a hold on it for 6 days maybe 10. I called the company and spoke to Janet to see why they would hold it for so long. The check was less than 800. They said they hold checks up to 10 days. This is money I needed for medication and to feed my kids. They would not do anything for me just told me I had to wait the 10 days.

I have been a BofA customer for 21 years and every month for at least 15 years I have made a single check deposit of over $10,000 into my account from one of my accounts at another bank. And now when I deposit it into the ATM, I get an automatic response that it will be put on hold for at least a week because "check specific information indicates item may be returned". Not once in the 15 years has it ever been returned and the banking information hasn't changed for years so why is there now a hold? When I called my other bank, the funds are already gone, but yet BofA still won't release the hold.

Bank of America offers you the CLOVER terminal to accept all credit cards, what they don't tell you is two important things: 1- The commission they charge you is not fixed, it can go up to 5.9% in certain transactions.... 2- You can't cancel the service when you want - that should be a regular option and a pure decision of the customer - they grab you until a contract you never signed, terminating before their date will cost you $500. So, if you want to pay a monthly fee of $20, a commission they modify at their own criteria and live with it forever. THIS IS YOUR BANK.

I have been a BofA Alaska Air customer for 26 years. Never missed a payment, always paid the annual fee. This year, a recurring charge switched to my account that I was unaware of. It was for $36. I missed the payment and they reduced my credit from $10,000 to $500. Absolutely unbelievable. I called many times but realized that people are not treated like people, but as a number on a page. After 26 years with 0 issues, I am parting ways with Bank of America over one missed $36 payment. Save yourself some pain. If you want to be treated like a person and not a number, go to your local credit union, or anywhere else. Just don't go to Bank of America.

Updated on 09/24/2019: This is an update of my review of Bank of America, dated 09/06/2019. During the weekend of 09/07-09/08/2019 I sent random emails to different departments at Bank of America. The following Monday, someone from Bank of America called to ask if I had food or medicine, when she realized that I am a senior citizen, with multiple disabilities, and a Vietnam era veteran, she became HIGHLY concerned, after I told her my situation with Bank of America, she said that she would get back with me. Surprisingly got back with me after several hours.

I've been with BofA since 1989. Never had any issues with anything except for this, today, SHOPSAFE says “As of September 20, 2019 you won't be able to use the ShopSafe® service, including any saved virtual credit card numbers. If you have ShopSafe card numbers saved with online merchants, please update with your current credit or debit card information.” Now, SHOPSAFE no longer works....(Many of us, Bank Of America card users are about to field a waive of Card Frauds again), without ShopSafe Pseudo-Card Number to circumvent this. Was this intentional to STOP protecting BofA customers? Please help.

I’ve been a credit card customer for about 20 years. Only 3 late payments in that time. Yesterday I paid the cards off entirely and this morning Bank of America closed the accounts. When I called customer service I was transferred to a credit analyst and was told that I no longer meet their desired customer profile and that they would not accept me as a customer anymore! On further questioning they stated that since I had paid off the account they would have no interest income from it and that made me undesirable.

Leaving after 20+ Years Over their customer service. I've banked with them for 20 years and they're going to lose a loyal customer over a $25 fee. They make more $ off of my $ than I do and "there's nothing they can do" to resolve my issue. Done.

Worst customer service experience from Albuquerque location. Since we are a business we often receive cashier's checks for high dollar amounts from customer's banks in customer and our business names. Both parties then sign the back of check and we deposit it. In this particular case the amount was credited and then deducted without any clarification. Upon contacting business customer service I was told since the check was made out to customer and our business name it can't be deposited, and that the check has been shredded. And I need to get a new check from customer.

Bank of America is a joke and long overdue for going out of business. Every single time I’ve called in the last 5 years as a business customer I’ve had to wait no less than 30 minutes. They make mistakes often, they are unfriendly, they’ve dropped my calls on several occasions, etc. This oligopoly needs to go. Yuck.

I have been a loyal credit card customer of BofA for many years, always paying my card off monthly, fully, and on time. Recently, BofA issued me a new card. Statements on this card went to my spam box. I was never able to see one, nor could I navigate the BofA website well enough to set the card up on automatic payments. Two months of my not paying a bill that amounted to $60.00, because I never saw the bill, caused BofA to drop the card I have paid, according to their records, over $50,000 on -- and to lower the amount of credit available on the new card, the one I had not paid, to $500. Adding insult to injury, BofA caused my near perfect credit rating to drop by almost 150 points.

I'm a customer of Bank of America for 20 years. I got low rate check and didn't realized that I can't deposit to my account. Instead of 0% rate I ended up %23 in addition to transaction fees. The font was so small in comparison 0% Apr till 8/20. I called customer service and got nothing. Being a loyal customer worth nothing when it comes to Bank of America. DO NOT DEAL WITH THIS BANK. There are fraud! Diana **.

In the 26+ years of doing business with Bank of America I have never bounced a check or been late on a payment and I am a Platinum level client. This should make me the ideal, responsible, trustworthy client. On August 23, 2019 I deposited a $20,000 check from Logix Bank into my business account. I had been transferring money into that same Logix account for months for business, however that was the first check I had received from the same account. I asked when the funds would be available and after checking with the manager, the teller told me the funds would be available the next day. They were not.

Incident Description. Hi, I am here to report fraud activities on my credit card last month from Jul 10th to Aug 11 of 2019. I had carried my credit card with me for the whole duration. During this time starting from July 12th to July 31st, I had noticed some transactions on my credit card. The card had been swiped in multiple places like Oakridge Mall, Taco bell, MCD, Starbucks all over Oakland, Santa Clara, San Jose. I couldn't disable the card online. So I had called Bank of America and had them disable card. They had disputed my charges as well.

I have been with Bank of America for a few years now. This bank does not care about their clients, they must have too many because their customer service is ready to close your account in a blink of an eye. They are always bouncing you around, department to department, next thing you know you're on the phone for an hour, really!!!! Come on.... that sucks. Poor service. They closed my account and deleted all my reward point that I had for Spirit Airlines, just like that... Never again, and I will make sure I will pass the word about them, to friends and social media!!!!

I called Bank of America on August 27th and ask one of the reps if they could have mercy and credit the $12 transfer to cover small debit of $2 from my business checking account. The rep emphatically stated that the charge was valid. I mentioned that I was able to cure the overdraft on my own so I would appreciate the refund. The rep emphasized the charge was valid. In order to avoid any additional fees, I asked the rep to close the business savings and the additional business checking account. I expected the rep to say “sorry to see you go” but there was no comment and the rep preceded to close the accounts. Later that evening, I noticed a debit hold on my savings account for $2,072.73. I had mentioned to the rep earlier that I was experiencing financial hardship. I discovered that Bank of America garnished my savings to satisfy a balance remaining on an auto loan as a result of a total loss.

Bank of America sucks! They doubled billed my online payment. Which caused my checking account to overdraft. I spent an hour-and-a-half on the phone trying to get this resolved. Then they told me I had to call back the next day because the charges were pending and they had to wait for them to clear. I just spent 50 minutes on the phone now that they're cleared. Now, they tell me that I have to wait three days since they were pulled from a different bank and they have to wait for them to clear with that bank. In the meantime, I'm overdrawn $4,000. And... Once they do process it three days from now, it takes another two days for the money to get back into my account. I got switched around to seven different departments. Their customer service absolutely sucks and none of them have any idea what they're doing. I have a $20,000 line of credit and I'm in the process of canceling this credit card.

Horrible exp with BOA. First bank to do hard enquiry for credit line increase.... Don't even update customer...please check your score regularly if you own BOA accounts. Will be switching to other bank soon.

When I opened BOFA account, it was promised "next business day deposited checks availability" and now manager saying ONLY direct deposits are safe from using by BOFA practice of regular hold for 10 days. They are holding 2nd my check in month and paralyzed my vitally important payments as bills and rent and even daily food. A week ago Mrs. Holly **, Chief Client Care Executive of BOFA sent me invitation "to participate in discussion how to improve the BOFA " - so I am answering now: obviously, BOFA simply needs to act according to law, and not distract the daily living needs of costumers. I promise to not deposit my checks at BOFA, I promise to close my account, but still need the have my deposited money back before to quit BOFA and to open account in any other bank.

I have been with BofA for 27 years... Their service has finally forced me to leave. I had a fraudulent charge from “Life Alert” with whom I never signed a contract and cancelled everything the same day. Life Alert confirmed with me that their $198 in fees would be fully refunded no problem at all. BofA started the dispute process. 1 month after everything was returned undamaged Life Alert confirmed all money would now be refunded. Yesterday, 8/23/19, BofA recharged me the $198!!! When I called to ask why I was told that their investigation found in favor of Life Alert! How is that possible... They told me they couldn’t help me until Monday. I told them, "That’s fine, Monday morning I will go to my bank and close all my accounts!" BofA stinks!!! Use Chase or Citibank or anyone else!

I applied for a loan through LendingTree. The next day I got a call from a scammer that had my bank account information and was asking for my online password to BOA. (Thanks LendingTree) I hung up on them and called BOA to tell them about it. In hopes to get ahead of anything fraudulent happening. Their response was to close my account and tell me I'm not allowed to bank there anymore. Ever. Thanks for the help BOA.

First of all, I never write reviews for anything. I'm only taking the time to write this because I have never been SO dissatisfied with a bank or any business for that matter. One of my jobs decided to pay me using a Bank of America debit card, instead of just letting me set up direct deposit. First of all, if you have ANY problems whatsoever, it is almost IMPOSSIBLE to get help. You have to go through a bunch of automatic responses over the phone before you even talk to a real person. Once you finally reach a real person, they hardly understand English and after talking to about five different people over a span of a few weeks, NOBODY COULD HELP ME.

In 9 days I will be closing my accounts with BOA. My car insurance was due to come out, so I went to the ATM deposited 160 in case and 275 check. NEVER HAS A CHECK HAD A HOLD ON IT. Last night they put a 10 day hold on my check, then returned my car insurance payment and charged me 35.00 and I can't even pay my car insurance because of the 10 day hold. This is the last straw. I HATE BANK OF AMERICA. WORST BANK EVER!

The worst bank. I had been using from 3 years and they keep on hold the transactions for no reason and the customer service is very rude. The response that we get when we call to customer care is so stupid. I don't recommended this bank. They kept my checks for hold for 1 week and when I asked they said this was deposit agreement and they don't say all these when we open an account.

It’s unbelievable to me that banks rob you of your money but hey what’s that in 2019? After all, with all the madness going on in the world, it makes perfect sense that banks are the very people stealing your money. So after four months of going back and forth with Bank of America, the verdict is my claim was denied after providing proof, after proof that I was in fact, scammed and what we had was a solid case of fraud. Of course, they just crossed their arms and apologized incessantly, that they “understood” my frustration. Thanks a lot Bank of America, you done it again.

I have a joint account with Merrill Lynch and Bank of America. I received a bogus fee on my account, and called to resolve it. They said a payment of over $450 was late, so I paid it directly on the phone. Just now, reviewing that transaction from a month ago, I see that my payment of over $450 had gone through 4 days before the idiot agent processed it. So I paid $450 twice, and my balance on the account is -$450 - meaning, my Bank of America credit card *owes me* $450. They didn't tell me they cheated me out of $450, they didn't refund it, and they're not paying me interest on the loan they extorted from me.

On July 19, 2019 I paid off my BOA auto loan that had an electronic lien in Florida. The teller did not apply the deposit correctly and it took 10 days for BOA to tell me. So I had to pay $25 and start the process over. On August 7, a BOA Supervisor Dallas and on August 8 Supervisor Daniel, assured me that the loan was cleared and the lien was removed. My wife works as a financial officer and on Aug 9, she removed a lien through the Florida ELT system. It takes from 24 to 72 hrs to remove a lien. Her lien was already process as of August 13, 2019. My lien is still in the system. This is unacceptable. I suspect BOA has not been completely honest. I've been with BOA for 23 yrs, never again.

I opened my BOA Travel Rewards Credit Card in November of 2017. I used my card consistently for a year and paid of the balance in full in December 2018. I had not used my card since. I was receiving promotional emails to use my card, and got a notice to call customer service to update my account information. I called as instructed, and the woman came back to the phone to tell me that as of today they were closing my account, with no explanation as to why. I was dumbfounded. I had never had a late payment, and my account was in excellent standing. Closing an account hurts the age of my credit history on my credit score, and well as lowers my available credit limit which also lowers my credit score. I am extremely dissatisfied with Bank of America and will not be returning as a customer, nor will I recommend BOA to any of my family or friends.

My husband and I have been with Bank of America for many many years. For the most part we have been satisfied. However, we took a trip to the Dominican Republic last June, 2019, had everything all worked out with the resort. When we arrived, the upgrade we had agreed to pay in WRITING was $900. The resort told us it was now $2000!!! We had emails back-and-forth with the resort clearly stating it was only a $900 Upgrade! If we did not sign for the $2000, we were literally being held hostage in a foreign country with nowhere to stay or sleep.

THEY PRE-APROVED MY LOAN OF 82,500 IN BOA US1 AND 136 STREET 331. Before I went to look for properties I sat in the bank for a pre-aproved letter. It was given to me without any problem. After I found the property they kept asking for papers, same papers I submitted since day first. Ready to close 6 days before closing they kept asking for minor things. At the end they told me that the loan could not be approved. I was able to buy the property cash but I'm advising everybody what banks are doing now. It is not the Bank of America. We went there because we have 2 cars financed by the same bank. Be careful.

I've been with BofA for 30 years now. Never had any issues with anything except long waiting lines sometimes. They often ask how they can help me and they always send a review link in my emails as to how they did and what can be improved. They don't pay much for savings accounts and their loan rates are a bit pricey, but been very happy with their customer service for all these years.

BoA representative wanted to talk to me about opening a business bank account with them. I did not see any advantages or services that were better than my current bank so I did not open an account but the representative was able to convince me to open two credit card. It has been a total nightmare. After the first month's billing cycle I tried to setup Autopay. There was no option to pay the balance in full so I called BoA for assistance. The representative informed me the reason was because their eBills need to be setup so I stayed on the phone with them for about an hour while they worked on it. I was told to try again in a few days. After a week a representative from their local branch reached out to me to follow up on my accounts. I explained that eBills was still not active and she informed me that eBills actually needed to be opened in person at the branch and that I would need to come down.

I had a Bank of America business account. I had deposited two checks that were written to my personal name. They refused to honor the checks because they were in my name and closed my account. There was a deposit for an IRS tax refund in someone else’s name. They kept 3k of guys. This included 1k worth of fees.

Today, after banking with Bank of America for over 30 years, I discovered they have a new department: The "Know Your Customer Department". Clearly a ridiculous name for what appears to be a department with absolutely ZERO CONCERN for its customers! Donisha was the Know Your Customer employee I had the misfortune of speaking with by phone at 800-496-9471. She claims her department sent me a letter in June giving me 30 days to verify my account information: my full name, address, phone number, and ssn. None of this information has changed in the last 13 years and it all was correct on my account.

I obtained a loan through Bank of America for a new truck I purchased. After purchasing the truck, I received no information about my loan from Bank of America other than an account number along with my bill three weeks after approval. On the bill there is an option to pay online. Once you create an account online, you have to wait three to five business days to receive a temporary passcode in the mail in order to finally log in to your account. First off that doesn't make any sense, why wouldn't using your account number be enough verification to login, why do you need to wait for a passcode that has to sent via U.S. mail.

August 5, 2019. Suddenly locked out of online banking. Reset password and locked out again. Even though preferred customer with dedicated phone line on hold forever. Robot does not recognize phone passcode.

Hi, I have tried to be patient with all of the many and constant changes BOA has had in a rapidly changing world. Today, 38 minute wait to speak to customer service. This is unacceptable and disgraceful. BOA, cannot remove a charge according to the merchant. The merchant acknowledges they made a mistake. Sent us an email. 38 minutes waiting. You folks do not care about customer service. I have several hundred thousand dollars with you. I am almost done with your ** customer service and it takes quite a bit to piss me off. Thank you, Neil **

I've been a customer of BOA for 15 years and I cannot even get someone to answer the phone at the bank about a simple question that I cannot find online. The location I'm referring to is 1211 Murfreesboro Rd, Franklin, TN 37064 US, I'm not sure if they are all that way.

On June 30th 2019 i received a text asking if I made a transaction from Dish network and I replied yes since indeed I paid a remaining balance of my cable bill. The next morning while I was on vacation in Mali, I checked my account and saw that 47 transactions were made into my account originated from New Delhi (India) and right away I called Bank of America and notified them of the transactions and clearly told them that I did not made those transactions nor authorized them. I was told that a claim will be initiated but until the transactions completely post into my account the won’t process which happens to process on July 5th 2019 and I contacted the bank again and told them that the transactions posted into my account and international charges were applied to my account, the customer service representative told me that it will take 10 business days for the investigation to complete.

Bank of America's 800 number is a joke. I have been holding for almost one hour by now, still have not got any answer. The reason I am calling because they do not send authentication code when I requested, so I cannot get my online account. Horrible experience!

My name is Shannon **. I am an RN and I travel a lot for work. I’ve never used mobile banking. I had stopped at a branch and reviewed some transactions, seeing Beijing China had started making one small charge and one large charge periodically on my statements. Over three months they stole around 750$. This occurred after I gave my debit card information to a company called Chimp Basket, for a hair curler that I never received. I had seen the ad for it on Facebook.

On a weekly basis I receive emails tell me my account at Bank of America has been compromised. I do not have any dealing with BOA so I know it is a scam. What I do for other bank scams, which I get my share is to forward the email to the respective institution. Since I do not want to touch the email I forward on the server unopened. Many times the email contain a appended file. Bank of America seems to be the only institution that will not accept these fraudulent email. I get a return to sender. So Bank of America never knows about scams on their system and only worry about a virus. They do not care about their customers being scammed.

I had recently moved 401k money into a CMA account and was having difficulty accessing my money. I do not have an account with Bank of America but Zachary ** of the Vero Beach branch went above and beyond to find a solution to my issue without even questioning if I want to open an account with them. His concern for my issue, and his professional manner in resolving the issue were awesome and I wish I every bank I walked into had people who cared in the same way.

I called Bank of America to speak to the closure department and I was told the my named has been flagged and can no longer bank with them anymore due to suspicious of fraud. The truth is I never committed any type of fraud. BOA will accuse you of something for no reason, and the your money just like that. Stay away from this bank. They're liars, thieves and they will mess up your future like what they did with me.

I got a BOA card for Alaska Airlines benefits. They did not follow through with my companion fair I get annually (with a $75 annual fee) and could not seem to issue me another. I also signed up for auto-payment; however, it was not disclosed that it takes two monthly cycles for it to go into effect so I was charged a late payment fee of $25. They also find ways to charge you for cash advances through ATMs. I did not have my debit card on hand and was on my way to Las Vegas so I pulled out some cash with my BOA credit card.

I was signed up for autopay until my balance was paid in full. I am trying to get my refunded into my bank and they have not yet done so. Telephone wait time is 15 minutes and they have been of no help. Finding how to cancel auto-pay online has been difficult and I cannot confirm it has been done. Terrible customer service.

Since after Christmas. I've been contacting back and forth with the bank about certain fraud disputes and didn't came back to me and it was all a scam transactions from a 25.99 and another that made me to force to close my account. Cause they wouldn't believe my story if I was telling the truth on this one and I did contact the sender and was rude and read their reviews that people was also were getting ripped off from some foreign adult site in Europe and they couldn't get their refunds and they would charge the consumer on whatever's left on the card. I would've sued the bank back then for not solving it. 0 stars to negative stars.

Opened an account two weeks ago because I had to make a few international wire transfers. First they received my incoming transfer from my Credit Union (which could not do international transfers), and showed the funds were available. Then they wouldn't free up the money for 5 days, causing me to pay the bills using a different method. Now two weeks after opening the account I receive a letter that they are closing the account with no reason given. I called the number listed and all they would tell me is the closure is due to a "business decision". Went to local branch and they were told the same thing. All the person on the phone would say is that it's in the contract that either party can close the account for any reason at any time. On the back of the letter BofA even states they may report their decision to one or two of the companies listed and it could affect my credit for up to 5 years.

Bank of America claims to give Preferred Rewards customers "Priority Service", with a special Customer Services phone number that gives a quick response. This used to occur, but is no longer the case. This "Priority Service" phone line is now a joke. Priority customers are now being forced to endure long wait times. Adding insult to injury, during a long wait, I was also forced to listen to non-stop advertising on BOA's phone line! Apparently BOA thinks there is something to gain from aggravating its best customers. In any case, BOA's use of the term "Priority Service" is fraudulent, and should be removed from all of BOA's sales literature.

Dealt with this bank a few times. Have never had a problem or negative experience with them. They have always been very helpful. People have always been friendly and courteous. Just wish that they had a few more locations in the smaller cities.

I called to dispute a charge and to make a payment. I was refused access to everything because I don't have the card, even though I can prove who I am. I have mailed payments to Bank of America for over 10 years. I have never missed a payment since an agreement. I declined the agreement to increase my APR. My APR would remain below 7% as long as I didn't miss a payment and didn't charge anything on the card.

On my lunch break on 7.19.19, I tried to cash a $79.99 EyeMed reimbursement check drawn on Bank of America. I don't have an account there, but the check was a Bank of America check. I stood in line for 10 mins. to even get to a teller. Once I got to the counter, she said it would be $8 to cash the $79.99 check since I wasn't a customer. I said, "Well I've already wasted 10 minutes of my lunch standing in line. So, go ahead." She kept asking if I wanted to open an account there. I said, "No, not right now. I'm on my lunch hour." She asked me about 3 times. Then she said, "Okay, you still need to talk to a woman standing up over there who can verify the check." I said, "This is a Bank of America check." She said, "I know. But we still have to verify the check."

BOA has the longest waiting times for customer service ever! I'm actually waiting right now while I'm typing this up! I wait at least 20 minutes for an actual person to pick up my call. Right now it's 10:30 pm and I thought their call volume would be low at this time. The same thing happened to me at noon yesterday. They must be so understaffed! I'm so sick of it! At the actual banks to don't have more than 2 tellers. They closed down the drive thru tellers for good. I get the feeling they might be going out of business!! Stay away from this bank!!

Bank of America customer service 800 number is a joke. They have an automated system that insists on hearing things incorrectly, makes you hold for usually 10-15 minutes, before connecting you to the wrong department, and then when you tell the customer service rep who comes on, they don't even treat you like a human. I explained I was at the wrong department to the woman who came on and she said 'One moment please' and then, without a single word, clicked some buttons and back onto hold I went. I don't even know where I'm being transferred next, I believe she put me into a general queue.

I have been with BOA for 6 years now and it is truly a frustrating experience! I have only remained so long because I have a mortgage account with them which isn't at a good interest rate either! Every month they mess up my mortgage payment and I have to call customer service (who are a bunch of illiterate imbeciles!) to fix the mess they make on my mortgage and checking account! They keep taking out false charges from my checking account and it's not until that I call them that they fix it! Their system is glitchy and at this point I don't even know if the balance on my account is actually what it is because of all the messed up transactions caused by their system—-they charged me falsely so many times!!! This bank is untrustworthy! They are scammers! They steal your money and then say that their system automatically made the charges! Don't bank with this fraudulent bank!

Would not even provide me information on a lien on title for a product I purchased by cash. They are sending me on a wild goose chase to find a lien holder 3 purchasers ago, and 14 years back. Insane that when I have a bill of sale and was a cash buyer, they will not even assist a current customer (I have other accounts with them that I will be closing) assistance. Horrifying customer experience. Will never pursue an account here again - ever. And still waiting to talk to a company representative that cares....

I banked with Bank of America for about a year and never had an issue with mobile deposit until I deposited a check for $6400 that was drafted out of Bank of America. When I deposited the check on my phone it gave me verification and said funds would be available next business day as I have always expected! The next day the funds were in my account then a few hours later they were taken back and a hold was placed on the check till Friday... I called customer service and they told me they could not help me, not even a manager can release a hold on the check!

My wife and I applied for home loan at Bank of America. After they took all the information they need to process the loan, we agreed to lock the interest rate which was somehow lower than the interest rate we got offered from other Banks. Of course, there was a significant increase in interest rate since we locked the rate. As we are getting closer to the closing date, they started to make up reasons for not give us the loan with agreed interest rate. They rather want to renegotiate the rate. What surprised me is that they hold us for about a week for the reason that “our system does not work today, and we are fixing it”. All the reasons they keep on telling us has nothing to do with our credit history, they just make up reasons until we are desperate with them. I don’t really recommend anyone to trust and rely on BofA and their so called ‘locked-in agreement they mail to you. Please keep yourself away from this Bank.

Great service. Easy to apply for loan online. Great rates & terms. BOA is very loyal to their customers! Excellent customer service too! We got both our auto loan & home mortgage through Bank of America. We have been highly satisfied customers of BOA since 2003!

We have banked with Bank of America for over 20 years! That being said, the last year has been HORRIBLE! We will be closing all of our accounts and finding a bank that cares about its customers. We deposited our paycheck, a check we have deposited over 6 years! We live check to check so this was a chunk of our money... Nearly 2000 dollars. We saw the next day we had over 6 overdraft fees and they placed a hold on our paycheck, FOR NO REASON! Their response was we can do this at any time for ANY REASON. They released it but would not return fees! Over 175.00! We had recently had a baby... Hospital bills galore. This was HORRIBLE TIMING! This hurt us and they didn’t care. So know that at any point they can do basically whatever they want to do with money you COUNT ON! RUN FROM THIS BANK.

I Started a BOA (Bank of America) account online. It took a while for the account to process. Mostly likely because I had a joint account 4 years ago and my last name has changed since then. When I went to use the account It had reverted to the ID I used on the bank account from 4 years ago. I also was not able to access it without getting access from person who I was with the account 4 years ago phone. That person's phone and email was set up as the main phone and email on my account. I never put in that person's phone or email when I signed up for a new non-joint account.

I took a company check for cashing or deposit to a BOA branch. I asked for some of the money in cash and the rest deposited to my account. She gave me the cash and told me the rest of the amount would be available the next business day. The following day the money was not in my account. I was told it would be available after 8 days. To my surprise the cash I was given was also withdrawn from my account instead of the check that I gave. The entire check was on hold and Bank of America instead put me in negative amount without my consent. The customer agent lied to me. Lots of their customer service agents are very rude.

Recently I went into a branch to deposit a check. Financial Center was pleasant and the transaction went smoothly. The next day my available balance reflected the check amount, which surprised me that it processed so quickly. I scrolled through my transactions and saw that the check had been processed according to the app. I went ahead and paid some bills using the funds that were deposited and went along with my day.

June 20, 2019 at the BOA in Hixson, TN paid off my auto loan with cash. Was told by the employee that I would receive the title in 7 days and confirmed my address. A few days later I called customer service to verify they had the correct address and make sure my old address was not on my account. They assured me it was being sent to my current residence. July 1, 2019 I called customer service to check the status. They told me it had been mailed and should be receiving it, once again confirming my address. (I have now sold my car and new owner is waiting on the title.)

Difficult for international users to keep track of changing rules. Hour long wait lines on their international helpline. Illness of user not considered. Empathy less banking. Customer care does not allow one to directly speak to their associate who reviews calls on your account. Will definitely reconsider banking with them after this experience.

Nothing has changed with this company. No matter what name you use (Nations Bank, Bank IV, Boatmen's) still the same lack of customer service, the app works intermittently, long hold times on the customer service line, blind transfers to other departments, "Erica" the chat bot never has info on your account and I feel like you all just don't care. Why brag about being #2 in the industry if you can't back it up?

I recently changed checking accounts and changed my autopay to reflect my new account. The website is not user friendly and there is no way to see where the future payments will be deducted from. When the next payment date came around, they charged my old account again. I called them because the website was not useful. I was transferred 3 times before getting an agent that could "help" me. This agent explained that it was my fault that this month's payment was charged from my old account because their system had already begun processing the new payment when I made the change (about 24 days before the next payment was due).

I had account with Bank of America. It was in February I opened it. The manager was good at that time, kind, courteous and she told me she was going away to her country and Lucy was going to watch my account while she was gone to India. She should of stayed there but I was in the hospital. Had a hip replacement and while I was in the hospital for 5 days my account was hacked. How did they get my password. I could have given it to them so, I went to the bank when I got home. I went down, waited 1 hour for customer service to see me and the answer they gave me was, "Sorry. You must have done it." I and they did not give me printout or anything. Gave no papers. I yelled and hollered at them to let everyone know what kind of people they have working there. I never saw such rude arrogant people in all my life.

All I needed was information on a simple funds transfer. It took over 40 minutes and still didn't get connected to right person on the phone to assist. This ridiculous and unacceptable. All associates are always busy, and got tired of listening to same music and info over and over again. You need to provide better customer service.

Please whoever reads this do not bank with these people. They love to charge fees on your account that should not of been charged. I was charged two 35.00 NSF fees that I feel should not of been charged and when I call I always get some rude non helpful employee to get these waived. It's like the money comes out of their paychecks. I am telling all my friends and family to stay away as I will be looking to take my business elsewhere. Never been so upset before over a business in a while!!!!

Bank of America has become a customer mill. They have taken out all the drive up tellers. The average line at any branch in Florida is 30 minutes minimum. If you have a business and want to deal with a live teller, you have to put it on your calendar, not just dropping by the bank on your way anywhere. I just stood in a line, for over an hour. I decided to walk to the Wells Fargo across the street. I walked there, made a deposit, walked back and still had an additional 30-40 minute to see the teller.

My wife and I have been a BofA customers for more than 25 years. I recently was duped into letting someone posing as a legitimate business representative get access to my computer and ultimately into my bank account under the premise that he was going to refund money to me. When I realized that money was being taken from my checking account, I shutdown my comport, called the bank fraud department and the police. BofA indicated that they would investigate and I should be able to get my money back. We went and talked with representatives at our local branch and they also indicated that our money should be returned. Today we called to check on the status of our claims and was told that BofA determined that it was our fault that the money was taken. REALLY? So, beware, BofA is really a thief too.

This company takes advantage of new home buyers and charge them unfair interest rates based on their sexual preference and ethnicity. They also are dishonest in their housing and business accounts. They are never available to speak with you about home loans and require that you submit repeat paperwork on numerous occasions. They are corrupt in their business practices.

The process of opening a checking account is like trying to get a first mortgage — completely ridiculous! The hoops to jump through are absurd. It took me three trips to the bank —and 4 hours of my time— to open a simple account.

I hate the automated phone system. I hate the fact BOA has laid-off so many of their customer service professionals who work in the call centers and branches! Executive management cannot be that clueless to think customer have not noticed that it does NOT matter what time or day you call — there will be an offer to call you back because they are ALWAYS BUSY!!!! Never can you ever get service when you want it! Operating hours are pathetic. They have cut overnight staff for most functions and run Skeleton crews on what they’ll still service 24 hrs. It’s never been more clear that BOA doesn’t care about lower/middle America unless they are making monies off their backs (which they still do with their overdrafts).

When I very 1st received my debit I went to gas station to get gas and instantly it declined and said prada ller in a text message on my phone. So I check on my account and somehow they cancel my debit card, so I could not use my debit card. That was the 1st sign it was a bad bank. 2nd sign was I deposited check on June 19, 2019 and the check had already cleared in the 1st day from the person who wrote the check but it didn't clear my account and till June 28 at 9:00 a.m. the deadline of when funds can be transferred by government law.

I stopped at the Fountain Plaza branch today to order a replacement debit card. The customer service was excellent -- prompt, attentive, thorough. My time was limited and I very much appreciated the service from Lisa ** (who said she's normally at the Transit Road office) and relationship manager Jake **. They are 10 out of 10 in my book!

I have been paying my Visa card over the phone from my checking account for over 10 years. I called tonight and the recording said the account I'm paying from isn't owned by me. Just another reason why I DO NOT do business with Bank of America any longer!! Worse bank ever.

Opening an account 4 yrs ago with BofA policy of ATM card with pic being the only form of ID needed to get funds from your account. This was done by a manager, opening the account obtaining this info. At the Camillus NY location the teller insisted it wasn't two forms. Her customer relations/bank knowledge is poor. The high qualified manager only with BofA for a year stepped in giving a possible explanation and providing proper customer relations. My disabled son's savings account was being charged a fee so we changed banks for him. The drive thru is closed in many locations also. Unfortunately for me personally it's the last straw for me. I'll be changing banks. For BofA it's no worries. I'm just the low income/disabled individual.

After having an account with them for 19 years... My payment was due on the 7 and I paid it on the 13th. 1st time I was late with them in at least 5 years. They decreased my credit limit which in turn lowered my credit score. Thank you for being a customer.

I’ve been a customer with BOA for about 3 years, in March 2019 my accounts were frozen because of some legal issues. After getting my affairs in order my attorney sent BOA all necessary paperwork for the release of my account and its funds. BOA refused to release my funds. The legal department refused to speak to myself or my attorney and would only speak through customer service. BOA continued to say they either didn’t receive the paperwork or needed more paperwork and once that paperwork was sent they would still wouldn’t release the funds. My attorney has had to file a motion for release of my funds that they have been holding since March!!! This has to be the worst bank I’ve ever banked with, very poor customer service skills outside of general banking!! I wouldn’t advise anyone to bank with BOA!!!

I should have never come to this bank but I got a 300$ checking promotion offer that made me look into. I have done everything asked of me - put well over the 4,000 required for the bonus into my account. I called from the day I opened the account to ensure I was following the promo correctly. Each time I called in they assured me I was. Not after I have done my part and almost a month has passed I call to check on the promotion. And they tell me they can’t find it on my account, even though I have talked to at least 5 customer service reps who have confirmed they seen it on the account and before me to just allow more time.

BoA makes it very difficult to access the checking account from abroad. I opened a BoA account when I moved in 2015 for a time period of two years from Germany to the US. Now, two years later after going back to Germany, I wanted to transfer part of my checkings account balance to my German bank account. (I use only and mobile banking by the way). But as I was told by the customer service agent, I am not able to make transfers exceeding $1,000 as I don't have an American phone number/address anymore. Therefore I cannot use the Safepass feature that is required for transfers exceeding $1,000. I find that extremely annoying.

My branch of Bank of America is located in Pembroke Pines, Florida. The tellers are really nice but usually there is only one taking care of the deposits, checks, etc. Even though they have a lot of nice ladies walking around in high heels nobody seems to care about the line. I understand that they are trying to save money, having less and less employees but I think the customer deserves the best service. Anyway the bank functions with our money.

I received an email from BofA the first of Jan '19 informing me that the replacement credit card which I requested was in the mail to my home. I contacted BofA Customer Service right away to let them know that I did not make a request for a new credit card. He corrected me to say, 'Yes you did. You called this morning to request the new card, and it is being processed now.'