Bank of America Reviews

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Edited by: Jana Lynch

About Bank of America

Headquartered in Charlotte, North Carolina, Bank of America is one of the largest banks in the U.S. and offers a range of banking products, such as checking and savings accounts and certificates of deposit (CDs). Customers can also use Bank of America for financing through various cash-back credit cards, personal loans and home and auto loans.

Visit www.bankofamerica.com
Pros
  • Savings, checking and investing options
  • Accounts for students
  • AI virtual assistant
Cons
  • Account fees might apply
  • Low APYs
  • Required account minimums for checking accounts

Bank of America Reviews

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    Page 12 Reviews 1835 - 2035

    Reviewed Sept. 11, 2018

    I am a victim of fraud. Someone logged into my account and changed all my information and then sent a transfer to a PREPAID CARD via NETSPEND. Not Bancorp like was previously stated. The generic letter I received stating that the transfer was done via my instructions is completely incorrect and false. I am currently unemployed and this money is life or death to me and your subpar security measures were the main cause for my funds to be stolen.

    Whoever did the investigation on this matter did not do a very good job because I was able to find out some information that BofA did not have such as the name on the account the money was transferred to was not my name, it was Albert ** and it wasn't Bancorp. It was to a NetSpend prepaid card which hackers and thieves use to steal money and have it not be traceable. This is a very cut and dry case and I am getting terrible service and need the $470 refunded to my account ASAP.

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    Customer ServiceStaff

    Reviewed Sept. 11, 2018

    If you are thinking about open an account in Bank of America, go the other way. Fintechs in general give better everything, from rates to customer service. But if you still need a big bank, I'd recommend Chase. BoA: 1. Poor customer service. Requested a new card (mine expired) and they blocked my account completely. I couldn't use it online, nor with the card. (Technology nowadays and they could not send it to be activate upon arrival?) 2. High fees and low returns. It's no wonder that Buffett is in it. The moat was created and he put his king on it. He knows it's a hard business to compete so they can abuse customers this way. At least, compared to BoA Chase is a bit better in rates and in service. But if you can, stay away from all of them, and just go to these new tech companies in the finance industry, they are better at everything.

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    Customer ServiceSales & Marketing

    Reviewed Sept. 11, 2018

    Myself and my wife were inundated with phone calls from people claiming to be from BOA. Online lookup says that it's a scam number. Didn't trust the number so I went to my account online and there was nothing there about needing any info. I then tried to call the number on back of my card -- what a joke!!! I called more than 3 times, each time was on hold for more than 30m, the last time more than an hour. Finally someone answered and I asked them what was so urgent that they called more than 15 times but then they wouldn't answer their own d--- Customer Service line. They said they need my source of income. Source of income!!! I've had the card more than 25 years and suddenly it's urgent to have my source of income and if I don't give it they will cancel my card! Ridiculous. The calls were nothing more than harassment. Their customer service is a joke and the info they requested was ridiculous.

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    Reviewed Sept. 10, 2018

    Just realized BOA charged me $12 monthly fee to keep my online checking account with them. They said they sent me the physical mails and online statements which include that message of policy change but why should I check them if I don't have any activity in the account and they expected me to check the statement IN ORDER TO find out they will start to charge me $12 since January 2018. Also they don't remind you every month, they only do it in the first few months and then they assume the customer is aware of the change. This is unacceptable. I will not consider using their service in the future and I will spread the word to anyone I know to make sure they don't use their service which sneaky practice. Philips of customer service in TX branch. No, you guys won't get a chance to earn back my business. Very disappointed.

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    Customer ServicePunctuality & Speed

    Reviewed Sept. 10, 2018

    I have been a customer for more than 90 days and have had nothing but problems. I deposited a check of $400 and it was held for 5 days. Okay cool it's my first check. They need to verify it... Well on 08/31 at 8:30 am I deposited a check for $1200 and I didn't get those funds until 09/06... so you know what that means. I was late on rent... it came back as a returned check. The crazy part is most apartments Bank with BOA... so why wouldn't the accounts have the communication between one another.

    Furthermore looking at my statement it said the funds were available on 09/01. I paid rent on 09/03... and it says my fund were put on hold 09/04... so why was my funds put on hold the following day after I made a big rent transaction.... this seems very sketchy. My apartments will not remove the fees and states I need to get it back from the bank. Of course the bank is acting like they can't do anything for me. This is not what I was expecting from a bank. I never had this many problems with a bank before. I will be going into the branch today hoping to get some sort of resolution. Oh and I was able to get my $35 return check fee after I asked to speak with a manager. Hold time anytime I call is 30 plus minutes... and if you get transferred you will start that all over again.

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    Customer Service

    Reviewed Sept. 9, 2018

    I'M CURRENTLY ON THE PHONE WAITING FOR A HUMAN TO PICK UP. ONE HOUR AND 30 MINUTES AND STILL ON HOLD! This is getting really frustrating. Every time I try to sign in to my online banking, I am asked if I have dual citizenship. I have 4 other banks which never ask this question. Bank of America is crossing the line! One of these days, I will switch all my online banking and credit card to a more professional bank. I think any bank would do the job.

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    Customer Service

    Reviewed Sept. 8, 2018

    Made a phone call at 3 pm today because I noticed unfamiliar charges on my debit card account. $70 worth of unfamiliar charges, as well as a $35 overdraft charge that was caused by these fraudulent charges. Trying to find out what these charges are, and trying to deactivate card and get a new one. It is now after 4:30 pm. I have yet to speak to a human. Still on hold after 90+ minutes.

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    Customer Service

    Reviewed Sept. 8, 2018

    I misplaced my wallet. Remote chance I might have lost it. So I wanted to call the bank so that they would put a hold on the card. I do not want to cancel the cards. I have scoured the website and the mobile app, there is no help over there. You can cancel the card, but cannot put a hold on it. I need a human. So, I called. As of writing this, I am still waiting for someone to answer. I have been on hold for more than 62 minutes, yes minutes. It is more than an hour. Ridiculous. Tape keep repeating that Bank of America values your time. Hmmm.

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    Reviewed Sept. 7, 2018

    I come in to cash my check and they sit me down and I sit here for 45 min and watch 6 other people walk straight up to the teller and cash their payroll check. This is ridiculous. I'm still sitting here and they haven't even spoken a word to me that have fallen off. I'll never return to Bank of America. GET YOUR ACT TOGETHER. THOUGH THIS WAS A BUSINESS. GUESS NOT.

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    Customer ServicePunctuality & Speed

    Reviewed Sept. 7, 2018

    I made an online deposit into my Bank of America account on 9/4/18 from my HELOC. The check cleared my HELOC account but BOA put a hold on it for 9 days. When I called today they were unable to provide a reasonable explanation. I've been a BOA customer for 20 years and this has never happened before. I needed the money for my daughter's college fees but now I'm going to end up paying it late and incur late fees. Very unhappy with this transaction. Will never do this again.

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    Customer ServicePriceStaff

    Reviewed Sept. 7, 2018

    Was charged excessive overdraft fees. Customer service stinks in my branch in my town. The customer service just sits there and twiddle is their fingers. I never see them actually doing any kind of work and after sitting and waiting half hour for a customer service specialist. All she did was scolded me and not listen to my problems or address the issue in a positive manner. Plus she was not interested in the situation. I don’t understand the customer service at the Bank of America. They are rude and arrogant. I’ve been banking there for many years and have several accounts linked to one another and truly annoyed that your customer service is so inattentive to Their customers.

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    Reviewed Sept. 6, 2018

    Bank of America has to many monthly fees on small business checking accounts. My BofA account is the only one of my accounts that has a minimum balance limit or monthly spending limit. The criteria on the minimum monthly spending seems to change every couple of months. I'm done with BofA. Too much of a hassle.

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    Coverage

    Reviewed Sept. 6, 2018

    This bank is a thief I never get overdraft problems as I am a good customer. I have my account with Bank of America for more than 10 years. I have online notifications and the night before everything was good with my balance. The next morning by 6am I saw I had 2 overdraft fees $35 each one I went ahead and transfer from my savings to my checking the money to cover my transactions but not the $70 of the 2 fees this bank charged me. I called them and I asked them to please check my history and I explained to them I never had overdraft before so please void those 2 fees. They say they can only help me with one and they can't remove the other. This bank has n customer services I told them I will close all my accounts and write a review about it and they say it is ok if I want to do that. THIEF, THIEF, HORRIBLE SERVICE!

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    Customer ServiceStaff

    Reviewed Sept. 5, 2018

    This bank has been the worst nightmare I've ever had to deal with. There is no such thing as "customer service". When you try to resolve an issue, you get transferred around until they hope that they have worn you down, and you will finally hang up. We suddenly were notified that our payments are behind, although we had been making payments. After talking to at least 5-6 different people including a very rude supervisor, not one could tell us how the payments were applied...

    We then requested a transaction history statement, and still haven't received it... then I notice a $75.00 "statement fee" taken from my checking account! WTH! Here we go again... 3 more calls and 6 transfers. And NO RESOLUTION!!! I'm hiring an attorney to end this nightmare! If you are dealing with this bank... JUMP SHIP ASAP!

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    Reviewed Sept. 4, 2018

    We applied for a small credit increase on a credit card from Bank of America. We have had this card for over 10 years. The credit increase was declined for the following reasons: 1. We had one (1) late payment. 2. We had too much debt (most of which has been paid off but not reflected by the credit bureaus). 3. Our home and all vehicles are paid for but was not considered. 4. We have a substantial investment with their associate and was not considered. In other words only the negative was considered but none of the positive. We closed the account and told the employee why we were doing it and what would be said if we have a chance. If a bank makes small credit decisions based on this, can you imagine what they use to make big decisions like mortgages. Whatever you do, find another bank.

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    Customer ServicePrice

    Reviewed Sept. 2, 2018

    Got a new phone. Tried to log on to my account. Got the typical, "We don't recognize this phone. We need to send an email or text with a code." It did not let me even get a code and locked me out. Problem is it's Sunday and calling their office a recording states they're closed till Monday so we're stranded. Typical BofA. When it's your money they don't care not if it's theirs they charge fees.

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    Customer ServiceStaff

    Reviewed Aug. 31, 2018

    It was my first time to call BOA customer service since I opened an account last year with Bank of America. The reason I called was there is a unauthorized online payment posted on my account from a person I don't know who from another State. But when I called BOA customer service, the estimate waiting time was 20-25 minutes. Finally a customer representative answered phone and then I just realized it is a very complicated process to dispute the charge, BOA need send me a letter with dispute form by USPS mail which requires me to fill out and mail it back to BOA... Then it needs about 45 days for whole processing. It seems much complicated than other Banks to dispute a charge.

    After those experiences, I decided to close my BOA Account due to: 1. The Security Levels of BOA. This account was only for my small investment purpose so there only a few transactions in this account each month, plus I don't even have debit card for this account. I don't understand how my account was compromised so easily. This never happened to my checking accounts with other Banks. People have credit card account fraud but for checking account without using debit cards it should be not happen so easily if the Bank security levels are solid. 2. Customer service call center waiting time was horribly long (it was my worst bank customer service experience). 3. The dispute processing is too complicated than other banks.

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    Reviewed Aug. 31, 2018

    WHY are your ATMS turned off overnight and far into the morning??? This is the most inconvenient, most annoying thing EVER!!! At least let the customers know the exact time frame of the shutdowns so we won't be driving all over the city looking for working ATMS!!! Even at 6:15 am on a Friday I couldn't use an ATM because it's STILL shut down.

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    Reviewed Aug. 30, 2018

    BOA is required to make funds available to you per Reg C within 5 business days at the most. Do they follow Reg C? Nope. Report them to CFPB for Reg C violations. BOA is required to report accurate information to credit reporting agencies. Do they? Nope - they can close your checking account and report you for account abuse or fraud for no reason at all. Report the to the CFPB for FCRA violations. Get your Chexsystems report and dispute their inaccurate reporting. Sue them under the FCRA.

    There is something severely wrong with a bank that does not take cash deposits (requires money orders or cashier's checks and does not make money immediately available), a bank who violates Reg C at will and a bank who targets certain customers for lengthy account closures which tie up your money for long periods of time. Plus the made up fees and “creative” posting of items to rack up fees so they can just keep your money forever. What do all these have in common? This bank needs you to keep your money in their bank, and if you use your money they will ruin your financial life and reputation - and STILL keep your money as they close out your account. My prediction is that this bank will either need a bailout in the next 5 years or will go under (or eaten up by a bank with a healthier balance sheet). Avoid this abusive bank. It can happen to you. You are risking not only your money but your good reputation.

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    Customer ServiceCoveragePriceStaff

    Reviewed Aug. 29, 2018

    I received a bank Levy by mail from Bank of America. Nowhere on the letter does it state that they will take $125 from your account when you receive a tax order debt. I received my driver's license at 25 years old. I then received a tax ordered it for $18,000 which I have made payment on since 2008. It's 10 years and I'm down to $400. Starting Feb, 2018 my son was killed by a car. We lost their father in April, I almost lost my mom in June. My family has been through the most. I have not had a job in almost 2 years. All of my money is gone now. Thanks to Bank of America. I received letter telling me Franchise Tax Board took $125 from me then upon my investigation I found that Franchise Tax Board never got money out of the account but Bank of America took all my savings which was $77. They left $30 in my checking. I'm guessing so that next I can receive an overdraft fee.

    I went to make a payment for a bill only for my card to decline. I called Bank of America. The Banker that took my call, told me that the funds a total of $125 was paid to Franchise Tax Board so when I call to find out why they do a thing when I've been on a payment plan for 10 years. I paid twice in May making payment for May and June but then no payment was made in June because I assumed the extra payment for May will coverage you then I paid July August wasn't due but they hit my account with a levy. Never got any money from Bank of America but Bank of America took me under by taking the last money for my PG&E and water bill and kept it for a bank fee.

    I am very sad and disappointed to the point that a mother of 4 with an absence son and father of this year and almost my mother they care nothing about my issues only that they was nice to leave me $30 in my account. If I slide it to buy my kids food I will be over drafted. It will not overdraft me to pay my PG&E. It declines. They say the customer mean the most to them but that is a total lie. They care nothing of so I have bills on autopay that is being declined because of Bank of America taking all my money out of my account then sent a letter blaming the funds on Franchise Tax Board.

    Not one time on the letter do it State Bank of America charge 125 although because of me paying this debt for the last 10 years I am aware of some banks doing so but I've always would receive it in documentation writing. It doesn't even read on my bank statement that they kept $125. This is a secret if you go overlooked of $100. You will never know that you were charge 125. I usually save money into my account but because of this reason it has scared me into leaving more than $100 in my account at one time. It's sad but it's true. Sometimes families go through things and you would think that your financial situation would be of concern. Now I can somewhat relate to those people that writes bad checks in order to get by.

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    Punctuality & Speed

    Reviewed Aug. 29, 2018

    Don't expect to resolve problems quickly or efficiently. You will be transferred multiple times and wait on hold for what may turn into hours of wasted time for you and this inefficient company. I doubt the management cares about this since it has been allowed to continue for a long time now.

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    Customer ServiceStaff

    Reviewed Aug. 28, 2018

    My husband passed away unexpectedly the 8th of this month (Aug 2018). I am the executor of his will, I am trying to settle and close his accounts which I am neither the joint signer or an authorized user. I spoke to a Mr. William **. He refused to give me ANY information as to what I need to do to be able to close account. I begged in tears to be transferred, he said there is no one to transfer me to, he just kept repeating "I won't discuss this with you."

    The next day (8/23/18) I had my bank call and they spoke with a very nice lady who immediately transferred me to the department that handles the death of an account holder. She informed me that they had received death notice on Aug 21! I am absolutely stunned at the behavior I had to experience. Especially knowing that he had the information and I had told him I was the executor and I needed to know what to do. FYI no other credit card company has treated me like that. I am paying off My BoA card and then closing it down. Also, I don't have social media but I feel like making a Twitter just to get this experience out there.

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    Customer Service

    Reviewed Aug. 28, 2018

    I would hope that BOA would read this post and prevent issues like this from happening in the future. I closed my account because Bank of America charged me two times for overdrafting my account once. I called and called and called, while I understood the one fee I did not understand the two. I asked them to please refund me the second charge, to no avail. I was so upset I moved forward with closing my account. Fast forward to 6 months from then, guess who receives a check in the mail issuing a refund for an overdraft fee that was made in error. I closed my account behind this, no one, and I spoke with many people, would help me resolve this. I suppose it's great that they admit their wrongdoings but they lost a customer in the process.

    Furthermore, I had been a customer since 2005. And to add to this story, something changed by roughly around 2008, I began to get charged anytime I went into the bank or used a teller in the drive through. The only way to avoid that fee was by using the ATM. Also, look up BOA lawsuits for overdraft fees - they are notorious for double charging fees. Look, I've moved on, but I highly recommend you look elsewhere for your banking needs. There are plenty of banks out there with excellent customer service and fee structures, BOA however, is not one of them. I chose to write this post as I am about to deposit the refund check, and felt it best to pay it forward. Best of wishes!

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    Coverage

    Reviewed Aug. 24, 2018

    I've been overdrawn a few times and they charge a fee for it if you don't get it covered in time. But the worst part is, you don't get a notification you are overdrawn until the next day after they've charged you a fee. And no amount of talking to anyone will fix it, and if you don't get the balance positive within a few days they tack on another fee, until you can finally cover it. I understand I should watch my account better, but after literally one day of not checking it I've been hit with a fee again. I am probably finished with this bank.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 23, 2018

    I did a wire transfer 6 weeks ago inside the Redondo Beach bank. The guy who I gave the information to transcribed two numbers incorrectly and didn't notice till I came back a week later asking why my wire transfer had not gone through. So it seems they dropped it in someone else's account is what they say and they can't get it out. It's been 6 weeks, it's not been fixed and they have NOT reimbursed my money to me. They don't return calls and I've spoken to the branch manager, her boss and Bank of America corporate department with NO help whatsoever. Also - I've been a client for 22 years, have bought houses, cars, etc there and this is how they treat you when THEY make a mistake. They are completely incompetent.

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    Customer Service

    Reviewed Aug. 22, 2018

    A lot of people will talk negatively about this bank. However, their negative feedback is based either on one account type or a level of ignorance towards Bank of America policies. As I have had my accounts with them for a very long time, I have never had an issue with them. The fees and charges are properly described by their agreements (which you should learn to read), the money in their accounts is accessible around the world as they link with other banks. I lived in China for 4 years and was able to deposit and withdraw without any charge for exchanging RMB. The account showed how much I had in USD and RMB, and I would just withdraw RMB without an exchange charge, WONDERFUL!!

    Also, their customer service, though has long wait times, are extremely helpful. I truly feel they are on your side in any situation. I called to cancel my payments on an autopay to a toll company because they were wrongfully charging me. They not only stopped payments, but also opened a claim, and returned my lost money from the toll company. Their accounts are not the best for investments or saving, but I use other banks for those types of account. They have the highest rated Credit Cards and I agree with that rating. All in all I love and have loved banking with Bank of America.

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    Contract & TermsPrice

    Reviewed Aug. 20, 2018

    For anyone looking for a merchant account please stay away from Bank Of America Merchant. It is a SCAM. They make it look so easy and it might seem fair price for your Clover device but believe me they are ripping people off. They will sign you up for a long term contract and you won't be able to get out of it for a long long time. I closed my store last year and I called BOA Merchant customer service to close my account immediately after I shut down my business. They were unable to cancel my account unless I pay over $500 cancellation fee so now I'm stuck to monthly fees until next year.

    They should be more supportive of small business as we are the ones who work hard to make the magic happen... But instead they will lure you in and if your business doesn't go according to your plan you will be stuck with long term fees. There are many other companies out there to chose from... This is my experience and I would like to share with everyone. Please don't make the same mistake I did.

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    Contract & Terms

    Reviewed Aug. 20, 2018

    I reluctantly opened an account at Bank of America after Washington Mutual went under during the economic crisis. Now, after 9 years of having the same checking account, suddenly I noticed a $12 maintenance fee. This is the "new" type of account they rolled me in to. (Without my permission.) I was told it is stated on my original contract they have the right to change their accounts at any time. So basically what this means is that they will sign you up under a free account and then switch you to a fee based account without your permission and it's all ok. They are a horrible bank!

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    Customer Service

    Reviewed Aug. 19, 2018

    Don't open an account! There is no way to close it easy just like you opened it. BofA makes you call them asking you question after question, "Why do you want to close?" then will send you to a branch to wait just to close the account.

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    Customer ServiceStaff

    Reviewed Aug. 18, 2018

    I’m still shaken up about my experience at The Sargent Drive Bank of America in New Haven CT. Even though I’m not a customer of the bank I was there to make a deposit for a customer. The line was out the door and even though there were about 9 employees only one teller was processing transactions. 1 gentleman in the line very nicely complained about the line and asked if someone else could assist the teller, 2 female managers and a gentleman started screaming at him, when I tell you screaming it was beyond that, threatening him to call the Police. They told him to shut up and wait. I was so scared and I could not believe the attacked and treatment to a customer. Glad I’m not a customer of Bank of America and never will be.

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    Staff

    Reviewed Aug. 17, 2018

    Deposit a lottery check a day ago. I understand all funds can’t be available but only $200 and have to wait 4 days until end of day at 5pm to get more. It’s a lottery check state treasury like the state tax return check which clears same day or next business day but 4 days, come on. Long time customer. I see why these reviews and complaints go out. I wish I had looked years ago. Now another bank will be getting my business and my family friends etc. on Facebook Twitter will know also. If I keep one or a thousand of customers from opening accounts in your misguided bank. My job is done. Well done. Goodbye BOA. You’re only as good as the people that work there and the customers that brought you your profit. Wtf. Smh.

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    Reviewed Aug. 17, 2018

    When making a bill pay, Bank of America does not immediately withdraw the funds. Instead, they let the funds linger in the account for a few days and then they take it out on a day when the account might be low so that they can get an overdraft fee. After the day they promised to take it out, they removed all indication of a bill being processed so you might think that they changed their mind about sending it out! Terrible way of doing business. Don’t trust them!

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    Coverage

    Reviewed Aug. 15, 2018

    I was goaded into opening a business checking account by my local branch. They convinced me that my checks could be cashed quicker if I had an account with them. This was true until 2018. This year the process of cashing a check at a counter takes about 20-60min depending on the branch. To top it all off, earlier this month I was informed that they don’t do “cash deposits any more”. No warning at the counter when I asked for it. I even filed a complaint re: cashier didn’t follow directions, and the next week I went in there were disclaimers everywhere, at the teller and atm re: no cash deposits at the teller and get this, even if you deposit cash BOA can hold it for 24 hrs or indefinitely. They literally wrote a disclaimer that says they can hold your money for as long as necessary.

    The checks I deposit are hand-signed, but the same checks for the past year, and yet they always give me the 3rd degree and ask 20 questions and even lecture me on the signature on the check as if it’s any of my business (or theirs!). The checks are from a BOA business customer so they should take it up with them rather than the person cashing the check. I tried transferring funds from an online bank and it was rejected. BOA gave zero notice and I waited for nothing. Then I have overdraft resultant of this, there were no overdraft fees on Friday, Saturday I deposit cash at an atm to cover the negative balance, and Monday I receive notifications re: 2x overdraft fees. I’m livid.

    I walk into my branch expecting service and I’m put in an empty office and they dial the 1800 number for me and ask me to wait. I waited 20 min and went out and asked how long they expect me to wait. The girl said she’ll “check” and then disappeared. Never to return. We were at 30 min mark when someone finally answered. No one from the branch checked on my progress by the way. 40 min later I finally got my account closed through the call center. This, I could’ve done from work or home or anywhere but a branch office. If you’re not going to give any service, close your offices. I’m talking to you BOA on lake/Colorado (Pasadena CA).

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    Customer ServiceStaff

    Reviewed Aug. 13, 2018

    I was a victim of fraud - someone got my debit card info and used it. 4 months later (after my money was refunded from BOA) I was getting ready to pay my child's daycare and noticed my entire checking account plus more had been wiped out (leaving me in the negatives). I called BOA and they said they couldn't find sufficient evidence of fraud so they took the money they refunded me back WITHOUT any notice. As a result of this, I was unable to pay my child's daycare resulting in me losing my job! I begged and pleaded with the bank and they were just rude to me. DO NOT TRUST THEM OR DO BUSINESS WITH THEM! I am in the process of suing them as well (thank goodness I have a lawyer in the family)!

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    Staff

    Reviewed Aug. 11, 2018

    I have had $18,980 in checks put on hold in my business account. I am now bouncing checks, being charged NSF because of the hold & Bank of America won’t do anything about it. Both checks deposited are from returning customers. This seems like a loophole to make money off unwarranted fees when I would clearly have money if Bank of America didn’t decide to put random holds. I do over $200k a month thru my bank account and this is ridiculous! The rep I dealt with, Linda **, was also the rudest broad I’ve ever dealt with! Will be taking my business elsewhere!!!

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    Customer Service

    Reviewed Aug. 11, 2018

    I made a mobile deposit, around 7 pm on 8/10/18 and it’s showing that it won’t be available until 8/21/18 which to my knowledge the longest they can hold a check is five days to verify funds and to make a point across. It's only $500.00 which is absolutely absurd. Not to mention every 2 debit cards purchases I’m asked to verify the charge and one day I was buying groceries 10xs. I inserted my card and had to call customer service in a very busy grocery store with everyone looking at me like I didn’t have money to pay for my groceries which upset me, not to mention my food was going warm after being in store 1 hr on the phone with customer service and being in a hurry. Had a my daughters Birthday dinner that I had to prepare - point blank very inconvenient and humiliating and the bank telling me there was no lock on my debit card! I was on the bank waiting 21 minutes.

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    Punctuality & Speed

    Reviewed Aug. 10, 2018

    I have been with Bank of America for over 8 years and I have been having so many issues with them within the last year. Within the last year I have been getting charged with overdraft fees. I was Told that they only do ONE overdraft waiver a year. I cannot be with a bank like especially when some of those transactions are not my fault. I put the money in on time. All that money they have and only 1 overdraft waiver a year.

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    Staff

    Reviewed Aug. 10, 2018

    I was ignored while standing, waiting to be waited on in the BOA in Pensacola. I was the only customer in the bank at the time and waited for the ** man or woman behind the counter to help me. I waited, threw my hands up at my wife sitting in the car waiting on me, turned and waited another couple of minutes, still standing and waiting, I threw my hands up and walked out. My wait was over the time limit when it exceeds four minutes before asking what I want. No mention of, "I will be right with you", not a peep. Had I been **, maybe, will never know because they will play it down as I was just in a hurry. Not the case. I still did not get done what I intended.

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    Krista increased rating by 2 stars.
    Customer ServicePriceStaff
    After a positive interaction with Bank of America, Krista increased their star rating on Sept. 9, 2018.

    Updated review: Sept. 9, 2018

    I am working on a payment schedule thanks to the kinder capable BoAemployee I spoke with last. Very helpful.

    Original Review: Aug. 10, 2018

    I had monetary discrepancies from big name online retailers and both my Bank of America credit and debit cards. The apathetic staff only replied with canned responses and passed the buck elsewhere. I got so frustrated with multiple calls, I finally started recording the conversations of them doing absolutely nothing. My debit card had supposedly platinum protection on it. I’ve been a Bank of America member since 2005 and the very newbie sounding staff did nothing but tell me I had to pay.

    I had one boss act like a nasty piece of work after going through each discrepancy on my charges. He had zero cares to give and only seemed interested in billing me of my money. I had an Echo Rita today 3 grand added to my debt which was put there by a keystroke from likely one of the embezzling staff. I loved Bank of America for years and had their lowest fixed interest rate credit card 6.24% APR fixed and their now very disrespectful, unprofessional staff did nothing to help. I refuse to pay for their greed. They are skimming the funds off of good bankers.

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    Customer ServiceCoverageStaff

    Reviewed Aug. 10, 2018

    Yesterday I checked my dad's account, he is retired 68 years old. I noticed he was -$88.00 because of autopay insurance charge and he did not have enough to cover the charge so I later deposit $95.00 to my dad's account to cover the fee and I check today he got charged $35.00 overdraft fee on an SSI retired old man. I call today and explained to the representative and he is telling, "Sorry I cannot do anything about the system is not allowing me to do anything (Excuses)." All I got to say is this bank is a rip off. They only care about taking customers' money and do not care less if you disabled or retired. My advice stay away from this bank and do your research when choosing a new bank.

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    Customer ServiceStaff

    Reviewed Aug. 8, 2018

    I had opened a checking account for my son a couple years ago, but because he was a minor I had to be on the account. He is an adult now, but I could not be taken off his account, according to BofA, unless both of us are present. This is impossible, as he now lives out of state. He got his account into the negative, so I went to close it so it wouldn't affect my other accounts, and I would pay the negative balance. I paid the negative balance, and closed the account. But when I got back to work, and I checked my account, they had taken over HALF OF MY SAVINGS. Customer service on the phone was useless. They told me I should have known I would be responsible for "hidden fees".

    I ran back up to the bank, the representative I saw earlier, told me the same thing - then lied and said he told me that there may be additional fees that I would be responsible for. I talked with his supervisor. She told me the same thing - that when I signed up years ago, I should have remembered that I may be responsible for hidden fees. They stole my money. They lied. They were negligent in not being forthcoming with the truth. The supervisor had the nerve to tell me, that "she wasn't in the room, so she doesn't know if the representative told me I'd be responsible for nearly $1000 or not." I told her to please use her common sense. Why would I close an account, if I knowingly was aware I would be responsible for $1000 for some hidden fees?! Crooks. And unsympathetic to boot. They didn't even bat an eye. I felt insignificant.

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    Reviewed Aug. 7, 2018

    My wife set up an account with Bank of America. She deposited $1000 in the account. We have a joint account with MCU and she has a Chase bank account and this was supposed to be our savings account. About 1 week after setting up the account they sent a letter informing us that they were closing the account. They provided a 1-800 number to learn why. The only thing that they would (very tersely) say is that "It was a business decision". That very same day we learned about BOA questioning the citizenship status of its account holders. I am a citizen from birth and my wife is a legal resident alien for the last 30 years. We are homeowners. We have great credit. There were plenty of products and services they could have sold us. We will never have any future dealings with them.

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    Contract & Terms

    Reviewed Aug. 5, 2018

    It seem like Bank of America is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Bank of America claim that I own them money. I am request Bank of America to meet in Orlando and show me the original contract with my signature. Bank America refused to meet me to show me the original contract. Also Bank of America is trying to collect a debt that pass the statues of limitation. Bank of America continue to report false information on my credit. Bank of America claim the account is charge-off. If the account is charge-off, then Bank of America should not be get this allege account as tax write off and still try collect debt at same time. To I really believe that I am being discriminated against because I'm a ** male.

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    PricePunctuality & Speed

    Reviewed Aug. 5, 2018

    I am a Preferred Rewards Platinum Honors client. This means nothing to my local branch. I went in for a simple notary request. I could not be helped without an appointment. My daughter went in today, Saturday, to have a minor change made to her account. She was told they were too busy, to make an appointment. Earliest available? Next Saturday! I am in the process of leaving BofA due to the minuscule interest on checking and savings, nobody cares. If you want a great banking experience join me at Ally Bank. Great interest rates and a desire to assist... Without a brick and mortar location. My daughter will be leaving BofA on Monday.

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    Customer ServiceStaff

    Reviewed Aug. 4, 2018

    I hate to sound like a broken record, but your employee really need to do a better job, the saga continues and this may be the last straw. On Monday 7/30/2018 I went with my 88 year old mother who is walker bound into your Encino branch and met with ABDUL to open up 2 new checking accounts. I explained to him that we needed the check right away because it is the beginning of the month and my mother and I need to pay the bills. He had told us we should receive the checks within 3 business day. I call Abdul yesterday to tell him we have not received the checks and left him a message with RP the branch manager. I did not hear back from Abdul.

    I called you 800 number today to find out about the checks and Malia in New Mexico confirmed that the CHECKS WERE NEVER ORDERED. Also yesterday I called your fraud department to have my mothers SS check transfer into the new household account and your rep not only transfer this money out but transfer the entire balance out of the closed account into the new account. HOW COME? This experience has been unbelievable and I am truly sad to say that your institution really needs some TLC because this exercise and experience has been fully pathetic and I am sorry to be a great patron of BofA. Unfortunately you get 5 thumbs down. I now do expect to hear back from maybe the CEO himself to make a humble apology for what is currently taking place, YUK! All of you should be ashamed of yourself for not doing the job that is expected. I look forward hearing back from you!

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    Customer ServiceSales & MarketingStaff

    Reviewed Aug. 3, 2018

    8/3/18 Small Business care DOESN'T ANSWER! STAR RATING DOESN'T HAVE A (-)??? OPTION... IT'S NEEDED. I sat on WAIT for over 41 minutes, only to be disconnected. I now type this with clock counting @13 minutes and listening to the ads and fake/pretentious apologies. I demand compensation for my time as it goes one hour. Please reach out to me to start a class action for failure to provide promise of reasonable service. Attorneys... contact me!! The ability to access account control or info is fraud. Represented/Expressed. Screenshot your call details!! Demand fee reimbursement for your account. Make an account here and file complaint upon every encounter.

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    Reviewed Aug. 3, 2018

    Bank of America are thieves that steal from the poor. I'm a very poor person, and have less than $1,500 in my bank account at all times because of it. Bank of America charges me a $12 maintenance fee per month because I can't stay above $1,500 a month. I used to have a waived fee years ago because I signed up online. They have since changed their policy, and now they are taking money from me because I am poor and thus making me poorer. What kind of disgusting messed up logic is that? Punishing me for being poor. I'm leaving this corrupt business.

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    Customer Service

    Reviewed July 31, 2018

    B of A opened an account was an error account but never fixed their own error. Instead they froze 44,000.00 and closed the account. I was treated poorly by customer service on a few occasions. I finally received the money, but there was no apology for their own mistake. B of A appears to act upon anything but the law. I wouldn't recommend this bank for money services.

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    Customer ServiceInstallation & SetupPunctuality & SpeedStaff

    Reviewed July 28, 2018

    I went to the bank located in Harbor City, CA on 07/27/18 @ 4:45 pm. Right when I entered I saw the long line. About 20 people were in line on a Friday and only two tellers were open. I was greeted by a manager name Juliana. She asked me is there something she can help me with. I told her I'm just here to deposit a check. She then offered me the service through the ATM. I then asked her, "If I deposit this check will it be cleared tomorrow on Saturday." The reason why I asked this question is because I had to pay rent by the next day. She then asked me a couple of questions such as "How long has your account been opened? Have you been overdrawn before?" My answer was, "I'm a returning customer and it's only been opened not even a month." She then told me, "Oh then no. The check won't clear." But then after looking at my check she said, "Oh it's a Bank of America check, it would be clear tomorrow."

    So seeing that line and I had an appointment in half an hour, I thought that's a great service. I went through an ATM and deposited my check. My receipt says it would be available to you on Saturday, July 28. Today, I logged into my account and my check is only hold till July 31, 2018. I contacted customer service and they told me I was misinformed and that there's nothing they can do to override the mistake.

    I was very upset because now I have to pay $150 late fee for my rent because I trusted an EMPLOYEE BANKER to provide me the correct information. The person who told me to deposit it through an ATM was the MANAGER of the Bank. How inconvenient is that for me? I trusted her to provide me the correct information. The bank will definitely not reimburse me the late fee nor provide me anything for their mistake. I was following directions, and what I get out of it is me being screwed and waiting for my check to clear in 5 days. Out of all people, THE MANAGER should know to provide the correct information to their bank customer.

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    Customer ServiceStaff

    Reviewed July 27, 2018

    I have been trying for several days to reach a LIVE person in customer service at Bank of America. I do not have an account and was trying to open one for my daughter who is about to leave for college. After numerous attempts I made the trip to the nearest branch (there is not one in our town). The girl at the branch was not at all helpful and when I asked for a corporate number she said she did not have one. (How can that possibly be true?)

    When I found the corporate office number online and tried to call it, it is an automated system that requires an account number or "phone access number" Or your SS #, but since I don't currently have an account, when I entered my SS #, it said "account not found" and hung up. Very very frustrating. I have tried and tried to do business with this company only to have them come up short again and again. Unfortunately, the business that they do business with are also suffering because of their lack of service.

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    Customer ServiceStaff

    Reviewed July 27, 2018

    So I deposited a money order for $880 and Bank of America held it for a few days, which is what banks do. They ended up closing my account instead and that money was for my rent. They said it couldn't be verified and said it was counterfeit and to bring proof to a branch. I went to the branch and showed all proof, MoneyGram even said they can verify with them. On July 18th the manager said they'd contact me in 3-5 business days. Time has been up and I have since been evicted. I slayed my ** off for that $880. I've called and dealt with the rude workers in the account closing department and they keep giving me the runaround. This is frustrating. This isn't fair, I will never in my life trust banks again. They take your money that you worked your ** off for and I keep trying to fight this thing and nothing is happening.

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    Reviewed July 26, 2018

    I've been a BofA customer for almost 25 years. My recent financial transaction with them was the most awful experience of my life. I've purchased, sold, short-sold and re-financed property in the past and this re-finance with Bank of America was beyond horrible. Almost every aspect of the transaction was broken. If you need a mortgage please look elsewhere first. As soon as makes financial sense I will re-finance again just for the peace of mind knowing I will not be giving them one more penny of my money.

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    Customer ServicePrice

    Reviewed July 25, 2018

    My husband and me just got married this past weekend. We deposited our checks and they are holding a bank check till August 1st when they said we could have cashed it and had the funds right away vs waiting for the deposit to clear. This was the last straw so we are leaving the bank with our families... Bank of America lost a lot of money and we have had nothing but troubles with them not keeping track of accounts. We have had several incidents where Money was overdrafted due to processing then fixed and having to fight them for their automated crap. Due to them not giving money on direct deposits from Amazon for a day or so we would wind up missing bills.

    They would tell us we could do nothing but wait for them to resolve disputed charges where some reason it was rang up twice for food. We would pay a 5 dollar safe checking fee on my account not my husband's to never have to worry about overdrafts and they would still do overdrafts. We called on multiple days, sat with several physical tellers, managers, and supervisors, and even made them get on a three way merge call with my grandmother's bank for the current check having issues through them which is one of those checks you have to buy with money and is considered cash.

    It is very dissatisfying that our honeymoon was cut short due to the bank being unjust and not resolving or being able to verify over the phone when they had all these simple solutions they should have been able to do without their clunky software and locks. We did talk to several other banks who said that they can do that since each bank has its own policies but most banks would have had the money resolved since it's been technically 4 days now. Due to all these issues we decided to pull our money and go to an alternative bank. Our families are doing the same which means they lost way more money then they anticipated.

    On a positive note the application process is not bad and I didn't have much issues when I got my gender change with them changing the info and changing account types. They do try to keep you safe and lock accounts for activity that feels different from what they usually see but it's all mostly automated. Sucks when you need to wait an hour for it to unlock again due to the fact that it auto locked from buying from a different store, site, or in a different state than it is usually active. Other than that and easy access to an overly placed ATM everywhere from being such a huge company It really feels not worth it.

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    Punctuality & Speed

    Reviewed July 24, 2018

    If I could give a (0) I would. I’m literally $6.25 overdrafted in my account and they’re charging me (3) $35 fees = $105. I can completely understand (1) fee for the big $6.25 but to be charged (3) is crazy because they like to post transactions late to the account. They’re refusing to adjust and threatening to send me to collections.

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    Staff

    Reviewed July 24, 2018

    Stopped, for the first time, at a brand new Bank of America store in Royersford, PA. Cashed a personal check (for $300); however, when I tried to cash a check for $6.36 made out to my wife -- endorsed by her and countersigned by me -- I was told by the cashier that she'd have to check with her manager before giving me the money. She knew my account balance was $15,000+, but still had to get approval! In a hurry, I directed the teller just to deposit the check; she did so, adding that she wasn't sure where the manager was anyway. Everyone I've met at the two BofA that I have visited is pleasant. But they all seem hamstrung by depersonalized regulations. And a couple seem scared to death that they're going to get fired if they make a move that may upset corporate.

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    Price

    Reviewed July 24, 2018

    After 10 experiences with this Bank of America, I am emotionally and financially exhausted. Extremely poor customer service: very inconsiderate to their customers, account security, credit card information, High ambiguity, backdoors, high interest, HIDDEN INTEREST. Terrible, terrible, terrible!!! All they care about is...THEIR MONEY. They don't give a ** about yours. Save yourself. I try now Chase. Will see how it's going.

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    Customer ServiceStaff

    Reviewed July 21, 2018

    I opened a new account against the advice of a friend and my Human Resource Director. I thought how bad could it be. Well due to fact that I switching from one bank to another for personal reasons there is a live check in between my direct deposits. I deposited my live check into the ATM today only to be told that there would be a 7 day hold on my funds. This was my entire check with bills to be paid. There was no way of knowing that they would hold the entire check so I called and went inside to try speak to someone only to be told by several different people "I'm sorry but there is nothing I can do". I tried to tell them that if I would of had some kind of warning that I never would have made the deposit nor would I have opened an account with them if I had I read their reviews first.

    Now I can't get my check back nor any kind of release on any of my funds until 7 days. How could I have been so stupid to not take the advice of two people before opening this account. I have posted this information about this bank all over my work place and even called my corporate office to advise them of this so that none of my coworkers will have to deal with this awful so cold-hearted experience.

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    Customer ServicePunctuality & SpeedOnline & App

    Reviewed July 20, 2018

    Scheduled my Visa payment online in full as I have for years. BofA credited it 3xs draining my checking acct. 1 week later and hours on with customer service, managers, tech support... no resolution! Big credit sitting on my Visa. That was to be credited back and a manager call me today... nothing of course! I'd like my $7k back! I have bills to pay! Oh wait. They finally credited 2 payments back... and took them both out of my checking the next day!!! Keep telling me I've scheduled the 5 payments! Right, I'm an idiot. Their website had been down for days so I'm assuming that caused it? Customer service is ridiculously incompetent.

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    Profile pic of the author.

    Reviewed July 19, 2018

    This bank is too big for their own good and own enough of the market to not care at all about anybody no matter who you are. I've worked with them with Merrill Lynch and Merrill Edge and Bank of America banking and all is absolute garbage! All they care about is how much money they can make off of you. I had a brokerage account with Merrill Lynch and a Self Directed account with Merrill Edge. I made money too quickly, They said I need to have the account open longer before I'm allowed to start making money... They suspected me of "fraud" and shut down my account.

    No appeals process, no explanation just full blacklist shutdown with no reason except "We no longer wish to continue business together". Then because I didn't just keep my money in their bank but actually withdrew it and used it they shut down my bank account with no explanation or reason but just "We don't want to work together". WTF?!? How is this legal? So they choose that they can terminate my account any time without an explanation or reason or any appeals? If I chose to terminate with them they'd do everything possible to get me back. Utter **!!! AVOID AT ALL COST!

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    Reviewed July 19, 2018

    I have been a long time customer of the bank. Ran into some personal issues and a friend wrote a check to help me out. I never had issues before in depositing a paper check so thought nothing of it this time. Now told there is a hold on this particular check and nothing could be done to remove the hold. I could tell my friend to stop payment and then have him electronically transfer. I let her know if I have to have him stop payment and pay a fee for that I will just have him write a new check and I will take it to his bank and open a new account. NEVER have I had this done and now I am in financial straits until they decide to remove the hold which will be for another 8 days. I asked what if his bank has issued the money and shows as cleared and paid out on their end and she says still would be a hold until the date quoted. To me this is unacceptable.

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    Customer Service

    Reviewed July 18, 2018

    1231/5000. Awesome bench!!! Treat their customers as junk, I had two deposits that I received from two sales to two different people, who deposited me via Zelle in my account on 6/6/18. On 06/12/18 I had my account blocked for analysis saying that there was fraud, absurd!!! Do you have the entire process of the bank system for deposit and what guarantee do you have? No, the bank is not interested in you! They just want to ** you, I did everything right in the receipts as the bank requests and the people deposited and to do this have to register the customer and in sending the value you have to confirm with a password sent in your email to close the transfer requested!!! Now if you have any fraud this is the responsibility of their banking system and not the customer who received your money!!!

    Now I have the account closed and what is worse stole my money!!! I will not justice. I will not be without my money for bank error, if they do not want me as client give me back my money. I am Brazilian and I live in Brazil and I have never seen anything like this in my life! The bank want to keep their hard-earned money to have, you open an account for them to take care of your money and in fact they steal from you.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed July 17, 2018

    The worst customer service. My account was compromised two days in a row. They wiped out all my money and BOA will not give me any to hold me over even after the fraud merchant cancelled online order. Bank of America is too lazy to go out of their way and help anyone. I got three different agents and answers, waited on hold all day twice. Never picked up after 29 minute of hold. This never happens with other bank accounts. They are a HOT MESS. Their Security is basically non existent. From this point on, I will keep a very small balance there because I am stuck with them.

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    Customer Service

    Reviewed July 17, 2018

    I have been with BOA 20 years. Yesterday I noticed a Maint. fee of $25 in my checking on-line statement. I have $15,000 in savings and $3000 in checking. I was told that I had to maintain an average daily balance of $10,000 in my account to avoid the fee. I have two direct deposits monthly from social security and a federal retirement. (BTW I'm a senior.) They said that didn't count. I said, "You mean that with my savings balance and checking balance that I don't qualify to avoid this fee?" They stopped for a minute and said, "Let me check your account."

    Their reply was, "Oh we forgot to link your two accounts." They promptly eliminated my fee. Now on blogs I have read dozens and dozens of this exact excuse "we didn't link your accounts, sorry". People who don't monitor their accounts have paid, unknowingly, this fee for a year before confronting the bank. Their reply is, "We can only refund 3 months of the fee." I will be terminating my account ASAP and join a Credit Union with no fees or very low balance requirements. Thank you for reading.

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    Customer Service

    Reviewed July 17, 2018

    So I have had Bank of America for almost 12 years never any issues on either their part or mine. For one the hassle with me booking a hotel not being able to stay there because my fiancée ended up in the hospital for a week. They gave me credit then 2 months later took the money back out and took me another month to get the money returned and after at least 7 calls to the website I used. Made 3 trips to the hotel, a handful of trips to the bank itself and now another issue with trying to get more money back. I'm tired of the hassle. I'm high risk pregnancy and definitely don't need the tension and all this. So yes it sucks but will be closing my account and hope someone else will be just as good as this bank used to be.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed July 14, 2018

    I opened a check account. I deposited a check for 1400.00. After 5 days only 300.00 was available. I went in bank. They said they thought the check was forged. Then I deposited a check for 500.00. That never showed up on the account. I went in. They said the check was fake. I called the man that wrote the check. He said, "So why did my bank cash it." I spent hours on the phone just to be passed from one department to another. The last person told me he has to email the department that know what is going on and I would have to wait another day. It has been 4 weeks and no one can tell me where my money is at. Unreal. Thank God I found out how bad this bank is before I put real money in. I just sold two beach homes in Florida and Bank of America will not see a penny of that. I wish they would change the name. It is a disgrace.

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    Staff

    Reviewed July 14, 2018

    I went to the bank yesterday. I wanted to cash a check from their institution. I gave them my drivers license and the check. They said that since my signature did not match exactly they would not cash the check. They wanted me to sign it again but nearer so it looked more like my ID. I told them no I didn't need to sign it again. I also gave them my social security card to prove that my signature is always different and that my card was closer to the check. They stated that my social security card was not a legal form of ID that they accept. I ended up going to another branch that helped and said the other was overzealous. I will never bank with this bank.

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    Customer Service

    Reviewed July 14, 2018

    I signed up for a debit card and just received my debit card to my home address yesterday. I woke up this morning and tried to activate my card by going online, it said my card didn't exist, I called customer service and a lady told me my card was blocked... How is my card blocked? Why would I be sent a blocked card? Then she transferred me to a Bank of America number that is closed, so the phone hung up on me. Then I came to the actual bank and they have me sitting here waiting to be seen for half an hour just to talk to someone to find out what is going on. I shouldn't have to go through this! I should of never left TD Bank. Biggest mistake is this bank.

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    Customer ServiceStaff

    Reviewed July 12, 2018

    There are too many issues to even BEGIN to touch on, but the main one is they don't offer a checking account without a monthly maintenance fee, and they're quite proud of that fact. Even for people who have banked with them for years and years, they took away the option to bank without paying THEM to CHOOSE to trust your money with them. Their employees have been rude to me, been sexist to me, condescended to me, lied to me, pretended to know what they were talking about, and sent me around in circles. None of them seem to know how to do anything if a computer isn't telling them how to do it or what to do. It's incredibly frustrating and they need to shut their joke of a business down at once.

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    Reviewed July 12, 2018

    I applied for a loan online. Big mistake. They put bad funds in my bank and Bank of America closed my account. No notice. No nothing and my direct deposit was posted and I have no gas, no food and they told me there is nothing they can do. I pleaded with them but found out they do not care.

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    Reviewed July 12, 2018

    I have been a customer with Bank of America since high school. After 17 years of service, you would think that they would take some consideration rather than charging me. I did not know they were even charging my account until I got an alert stating that my checking account balance was below a $25 threshold. To my surprise, I have been getting a maintenance charge for the past 4 months. What exactly are they maintaining? I've stopped using this bank and there should be no "maintenance" required. Closing my account so they can stop stealing my money.

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    PriceStaff

    Reviewed July 11, 2018

    Bank of America re-orders all transactions at the end of the day to intentionally cause any possible overdraft imbalance in the account. Then they charge $35 for all overdrafts based on their prejudicial re-ordering. Bank of America will also charge $35 even if the charge was less than $10. The customer reps and bank managers are polite robots reading from a script. They told me the bank did me a favor by charging me $35 fee for a $7 charge they alleged was overdrafted - that is, $7 overdrawn after they re-ordered all my transactions. In the context of a dispute about said excessive fees a rep explained "this is a business and we are here to make money." I was constantly referred to fine print on a policy document allegedly presented to each customer whenever an account is initially opened.

    These "vapor charges" are a rip off and are intended to cause more overdrafts in your checking account. Obviously the overdraft charges mostly affect people of limited financial means and are designed to inflict financial harm. Bank of America is racist and against all working class people. Withdraw your money and AVOID this bank at all costs.

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    Customer ServiceStaff

    Reviewed July 11, 2018

    The bank on 4343 E Broadway Rd Mesa AZ 85206 that have very bad services. I went today and I did line for 45 minutes and the people is working in the bank they are very rude and there's no respect to the customers. They have to fix all that or I'm going to close my accounts and go to another bank.

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    Customer ServicePunctuality & Speed

    Reviewed July 10, 2018

    So about 2 weeks ago I went out of town and there was fraudulent activity on my account so when I returned I called Bank of America to let them know and to get my money back of course. I was told that I would receive my money back in 24 to 48 hrs. Two weeks later I still have not received a dime. Then I call today and they keep me on hold with the first person for about 30 mins and the next for 45 to the point where I had to just hang up being frustrated and also busy with my day. It’s like the guy forgot about me literally. TERRIBLE BANKING COMPANY! I wouldn’t advise anyone to join them.

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    Reviewed July 7, 2018

    Consumers be aware of Bank of America because they will hold you responsible for fraudulent activities even when it’s not your fault. I provided as much documentation trying to exonerate me from the fraud that occurred on my account and they still won’t refund my money. They decided after a week that the activities were not deemed to be fraudulent; however, now they’re deciding to perform a thorough investigation and I have to wait for 60 days. Shouldn’t a thorough investigation been performed before they decided to reverse my credit?

    Mind you, this has been ongoing for 2 months and one of the BOA claims representative advised that they have been receiving many cases like mine. I have been a customer with them for 16 years and I want my money. It infuriates me when thieves plot to steal your money and it definitely angers me when my bank keeps holding my funds hostage because someone decided that they didn’t want to complete a thorough investigation in the beginning.

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    Customer ServicePriceStaff

    Reviewed July 4, 2018

    I am the POA (power of attorney) for an elderly widow who banks at B of A. On Feb 7, 2018 customer went to bank to withdraw some cash. Customer was asked to go into a room with a representative at the bank to discuss, what they believed, was a problem with her account. I have to mention here that the customer was with B of A for many years had and still has, considerable funds with the bank, suffers from dementia. The B of A agent told the customer that someone was stealing from her account and that she should do something about it. The client did not understand what they were talking about and the B of A agent showed her a statement either directly at the bank debit window or from an ATM machine in various amounts.

    There were various withdrawals for cash to payday workers who were doing work at her home, repairing such things as water pipe leaks under the house, irrigation system repair, restoration of landscaping due to no upkeep for over two years etc. etc. Instead of the bank notifying me, as her POA, they didn't even try to figure out why the withdrawals were done in short bursts. The reason was because the ATM machines only allow a max of $ 300 on any given day. Number one, the client could not locate her checking acct. Number two, and three the bank is located on the other side of town and it was more convenient to go to a machine where if needed I could walk instead of using my car to go clear across town.

    My charge under my POA was cognizant of every withdrawal, with her permission, and had given me the responsibility of bringing her financials and her property up to required insurance standards. What the bank did was convince the client to take her entire savings, plus some checking funds, and put them into a one year certificate under the pretense of the aforementioned nonexistence theft. The client, as mentioned earlier suffers from dementia, is a widow whom I have know for over 16 years and was personal friend of her and her husband who passed away in April 2014.

    Since the original action taken by the bank the have done the following: advised me that my POA was no longer valid, which is untrue, that my client had signed a cancellation of the existing POA, they have not supplied any information, any signed, have taken almost $ 30,000 out of her checking account and have not accounted for it, where it is, have discontinued sending bank statements, have refused to respond to attorneys inquiries and the list goes on and on.

    We are now forced to begin setting up a Conservatorship to straighten out the mess which is going to cost my client at a minimum of $5000 over and above what has already been spent on legal fees. My client is currently in a 24hr. care facility, due to a fall she had, and I am still taking care of everything else for her including setting up additional account on her behalf so that her ongoing bills can be paid and continue to locate her funds taken, maintaining her real property and her pet, I have secured a caregiver to handle the numerous everyday situations that come up.

    The B of A have put considerable unnecessary pressure on my client as well as myself and her caregiver due to their obstinate responses or lack thereof to the situation. All the foregoing is just a sample of the history of this situation, where all it would have took was a simple phone call to negate their fears. They refuse to talk with me, with her caregiver, with the attorney and even called Social Services to try and get involved, and thank heaven there was and is nothing for them to be concerned about since I have been working with them with this account since early 2017.

    The bank knows it, they also have a copy of my POA but I suspect the bonus for having my client setting up a CD is substantial and it that is not the cause then they have a representative that needs to go back to school or wherever they teach their personnel how to handle themselves and the accounts with the bank. This has been a nightmare. Not that it is necessary but the B of A will never see any account again from my client when this is over.

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    Staff

    Reviewed July 2, 2018

    On 7/2/2018 at 2:00pm after waiting for 15-20 minute in a long line, I finally got to talk to the teller and requested him that I cash out total balance loaded on a debit card from EDD. He said it is $210. I said the amount is about right but not exact since I remember that there should be some cents after dollar. He said, "That's all I see." I said, "Ok that's fine" and left. I used ATM machine and checked balance that showed it is $84.09.

    I went back inside and explained politely to Maria ** who said "Go back in line. We don't know how much it's loaded in your card!" with an attitude. I felt I was mistreated and told her that why do I have to wait in line for another 15 minutes to claim my request since I was told that $210 was my total balance? She said again "we don't know how much it's loaded!!! Go talk to the guy now who helped you earlier!" After some argument, she finally said she would take care of it. While she was taking care of it, she said again, "We don't know how much it's loaded!!!" I replied to her, "Excuse me but I heard that three times now and I understand your statement for the first time. You don't have to repeat that." I finally left the bank at 2:23pm.

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    Customer ServiceStaff

    Reviewed July 1, 2018

    I have been a BOA customer for over 35 years, with family using BOA for over 50 years. In the past ~two years their phone service has become apathetic and negligent, if you can even get service in under 3-4 hours of calling. This is despite my laughable status of 'platinum honors'. This bank ** ('to usurp') its customers by: damaging credit scores with fraudulent or reckless misinformation, failing to defend against incorrect merchant charges, obstructing your ability to dispute bad charges (Chase, Capital One- just click 'dispute' on the entry), hiring customer service agents that have no knowledge of basic banking matters, failing to answer the phone or provide service, re-routing attempts to contact local branches, insolent and incompetent phone agents that lack even a high school level of understanding of banking, agents that refuse to provide identifying information to file complaints against them.

    Most recently BOA fraudulently and negligently filed incorrect information with the credit agencies, lowering my 800 credit score by nearly 50 points. It took a decade to achieve an 800+ score and these ** ruined it and cannot even explain these entries. I believe they did this in retaliation for my complaints about them to the Comptroller of Currencies and other offices. They cannot explain what they reported, nor why they reported it. This scum reported two high balances after the due date, whereas they readily admit I paid in full days in advance. They have no explanation.

    You are taking your financial life in your own hands if you trust Bank of America with your money and your credit. BOA does not care if you even live or die over some financial quandary. Think about needing your money for a medical emergency, or needing your credit to buy a business or get an emergency loan. BOA could ruin all that for you, without even bothering to explain. BOA does not care if you financially live or die as long as they have your money in their hands.

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    Customer ServiceStaff

    Reviewed June 29, 2018

    So I have held a business account with Bank of America for years. I recently had many unauthorized charges to my account due to a processing system for another company being broken and 3 months worth of charges were charged on one day. The bank charged me 7 overdraft fees... The bank reversed 2 of them and told me I was out of luck for the other 5... I tried everything I could to get them to help me out due to the circumstances. I spoke with supervisors and went into a bank and everyone I spoke with told me the same thing. Very unhelpful. I am extremely disappointed with this company and I am shutting my account immediately!!!

    To add insult to injury both time that I called in to customer service I waited 45+ minutes. This did not include the conversations that were held with the representatives. I spent a total of almost 3 hours on the phone today trying to get help. 1 and a half of those hours were just on hold... This company is a disgrace to the professional world and they obviously do not care about their clients or their small businesses... I WOULD NEVER RECOMMEND THIS BANK TO ANYONE!

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    Reviewed June 29, 2018

    I ** hate this bank. Every ** day I wake up and there is a new fee on my account. For some reason I made 3 transactions in one day and because my account was on hold at the time the bank claims I had no money which I did but charge my ** account with 4 overdraft fee of 35 dollars. WTF. This bank is the worst. DON'T BANK WITH THEM. IT'S A SET UP FOR THEM TO STEAL YOUR MONEY.

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    Reviewed June 28, 2018

    BoA and I signed a contract. I have paid them the contracted amount every month for years. Suddenly they claim that I must pay $200 more for some imaginary escrow account. I never asked for that or signed for it. They have destroyed my finances over this and plan to foreclose. I have lived up to the letter of my contract, but they plan to foreclose! Do not do business with these crooks. They are racketeering with pay more or we foreclose. Such extortion is a terrorist act. Looks like they need another lawsuit. Class action?

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    Customer ServicePriceStaff

    Reviewed June 27, 2018

    Bank of America once upon a time had great products, customer service, and common sense practices. That however is a thing of the past, so it is time to end my relationship with them. They don’t care about the average every day working person, and that is evident in their practices. I had a charge come through before 9:00 p.m., and as soon as I noticed it, I deposited the funds needed to cover the transaction a little after 10:00 p.m. The bank charged me $35, denied the transaction for non-sufficient funds, but is still holding the money that I deposited to pay the transaction hostage! They charged the fee, declined the transaction right away, but I will have to wait until tomorrow to have my funds back!

    The Representative said I could have called before 10:00 a.m. and asked for the payment to be “pushed through”, but they could have kept that same energy, and simply paid the transaction without me needing to call, since the money was there. There is a system in place to charge you a $35 fee, but no system in place to pay a transaction if funds are deposited immediately after their cut off time. See how that works? This is disgraceful and banks should not be allowed to treat people this way! I received a notification in the afternoon that they declined the transaction, so again, why not be proactive, and alert me immediately, or again, push the transaction through themselves since the funds were available! There needs to be a class action suit against them! I cannot be the only person that has experienced this nonsense!

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    Customer ServicePriceStaff

    Reviewed June 26, 2018

    After using BoA for few years, they charged me so much money on maintenance fee every month, while other banks don't do that. I decided to close my account. After talked to an associate, they convinced me leave the account open, and they don't charge any fee. So, today is 06/25/2018, I accidentally logged in my account (after around 6 months), found out I have been charged "maintenance fee" for 3 months. This is stealing, and I decided to call them again. After waiting for about 50 minutes, I finally had the chance to talk to a customer service agent, they said they sent me letter in the mail in January about the fee will be charge for everyone. NICE!!! And the fee is nonrefundable!!! NICE!!! Decide to close my account for good!!! People, go to Wells Fargo!!! They have way better service and fee!!!

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    Customer ServicePriceStaff

    Reviewed June 25, 2018

    I had a case of fraud on my account and Bank of America doesn't refund me. They claim this is not a fraud while it is an obvious case of fraud! I opened an account and never received the debit card. I followed up and got the refund initially. After the bank refunded the money into my account, I have noticed recently that they have withdrawn the money from my bank again. The Bank of America position is, this was proven not a case of fraud as they used my pin code.

    However, I never received my debit card for a long time and communicated this with the bank officer through email and in person. Whoever used the card did not have any knowledge of pin unless they had obtained this information from the bank. I have spent countless hours to resolved this issue and to try to recover my money to no avail. I am frustrated of being passed from one person to another with no resolution. It's so frustrating and I am thinking that's very convenient for the bank to don't investigate enough and charge us for the flaw in their system. It's not fair at all!!!

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    Customer ServiceStaff

    Reviewed June 22, 2018

    I worked for Bank of America in card services. When I left the bank I changed my accounts to the ebanking. Last year, prior to this change that changed the ebanking accounts to CORE checking this year, I requested to have both account closed. Each rep gave every excuse not to close them but to have me call back until I forgot. I had 2 accounts with money in them. They did not mail or email any notification of this change...in fact I was told today when I logged in to find a negative balance from 3 month of $12 maintenance fees & on the other account $5 balance where the rest of my money had been taken from 3 months of the same type fee. When asked about notification, I was informed that notification was given in October in my online banking app, only! But they had an address and an email on file. I was told because ebanking account were opt out of paperless, they didn’t mail anything. I guess that excludes email too!

    I then ask to close the account & was told again I would have to wait until the accounts were at a zero balance. So basically I have to go into a branch pay the $31 left of the $72 in maintenance fees I had been charged from April-June in order to close them. I am so disgusted. I have the money...it’s the principle! I make $5k per month, I just chose to keep my banking with USAA & NFCU...after they refuse to close my accounts last year. So they obese me of $72. It’s almost funny that such a big giant banking corporation would handle their business this way. I will never do any business with Bank of America or any vendors using them. I hope they fail & get bought by another institution in the future.

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    Customer Service

    Reviewed June 22, 2018

    Back on February 17 2018 someone somehow got a hold of my husband debit card information in Georgia and made a purchase in Florida at a Mercedes-Benz located at 350 W. Capons Road Pompano Beach Florida. They purchase something their that cost 649.25. Bank of American called us on that same day to see if we made that purchase. Both my husband and I told them no we did not purchase anything there and we were not in Florida. They issue a new card to us so we thought this was done. We got our bank statement and it was still on there. We notify the bank and they issue a credit to us.

    After 30 days they sent us a letter saying that they believe we made the purchase cause it was on a debit card and told us that at the end of the month they will take out 649.25 on our account. They took our money for this bill which we told them on the February 17 that we didn't make this purchase. On February 20 they did process this charge after we told them we did not purchase anything at store. We even called the Mercedes-Benz several times and left messages to them. As of this day June 22, 2018 no reply from them. So now I stand with this with the police department waiting to see what they come up with. As of next week I will be closing my account with BOA. People do not bank there. I'm not the only person this happen to.

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    Customer ServicePricePunctuality & SpeedOnline & AppStaff

    Reviewed June 21, 2018

    I had just moved here to California, and I was looking for a bank to begin having more proofs of residency for the future, so I decided to go to my local Bank of America to open an account. They were the closest, the most numerous, and easy to access. So I went to Bank of America, got hooked up with an agent, and started about making an account. I am a student, I am going to college, and therefore I have no income at the time. The agent, hearing this, tells me that we could open a "student account", this type of account prevents me from being charged maintenance fees, he said. So I asked "I will not be charged maintenance fees at all, correct?", I was told yes, no fees whatsoever. This sounded like a great idea because once again, I am a student, without any income. Maybe the odd $10 every now and then but other than that nothing. Fast forward to a month later and what do I see? A maintenance fee for $8.

    Called customer service through their app and the guy I got connected to was really helpful and cleared the charge immediately after hearing what had happened. All is well in the world, I believed it to be a simple mistake, that it won't happen again. Now, next month I was once again charged a maintenance fee. I wasn't able to check my account at the moment due to a lot of things happening in my life at the time, so this charge persisted, it wasn't until I logged on the next month after the last charge to find that I had been charged another maintenance fee. At this point, it's clear this isn't a mistake. I call customer service immediately. I get connected to an agent and after explaining what was going on I'm told there is nothing she can do. I ask her why is that? She says that a student account only applies to checking, not savings as well.

    So then I say, but I was told by the agent at my Bank of America location that I would not be charged at all. "Well they must have not known what they were talking about." I was told, and we ended the phone call there. So I decide to call again, maybe that representative didn't know what they were talking about? After all the guy I met for the first charge removed it immediately without much argument. I was met with the same response, that there is nothing that can be done. So fine, after that call I decide to tell my SO that now the account is overdrawn by $12 and we need to pay it because they won't reverse the charge like last time. So we give in and pay, we went to a BofA location to do so, and since I wanted to deactivate the account we were told it would be a long wait, so we decide it'd be best to just call to deactivate the account later.

    I called that day with a 30 minute wait, there was an option to have them call me back and I chose it, because why not. I never received a callback. So about a week later I remember "Oh right, deactivate the account." I call customer service again. After a 20~ minute wait, I was connected to a representative... or should I say broken robot. The representative repeatedly said something along the lines of "This is Erica at Bank of America how may I help you?" Over and over again without a delay for me to say anything at all, despite me trying. Seeing that this is futile, I hang up. I'm pissed that I basically got trolled by a customer service representative. I decide I'll try and call and then ask them to call me back once again. Maybe it's a mistake, right? Same thing happens and here we are today with another $8 charge on my account. I'm sorry, Bank of America, I do not have time to sit on the phone with you for 2 hours to deactivate my account.

    Neither do I expect to be lied to in the face about my money. I will be sure to tell anyone in the same situation as me in life to avoid this bank. Their own agents are confused about how the company works and that's ridiculous. If I was told from the beginning "Yes there will be a $8 fee per month in your savings account, the student account exempts you from fees in your checking." There would be no issue, it'd be completely my fault for not paying it, and this review would not exist. I would have happily just paid the charge every month, or better yet, have found another bank or credit union. But alas that is not the case. This company is untrustworthy. Do not bank with them, even if the $8 charge is something you can live with. Who knows what else they might lie to you about, maybe something much more costly.

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    Punctuality & SpeedStaff

    Reviewed June 16, 2018

    I believed a account to be closed. To my surprise there was hundreds of dollars in fees in my account. As I went to discuss this problem I was initially treated with a lot of respect by the representative. As I needed his boss to try to help the situation things went downhill quickly. I was told I was lying that in no way could one of his employees make a mistake or give me bad information and that he refused to help the problem the bank made. I do not recommend using the branches in Fairless Hills for any problems that might arise with your banking. I don't recommend Bank of America any longer either as the issues I was having were unexpected fees due to changes made in my bank account. I was suddenly being charged fees I was never charged before and had decided to close my accounts. This equals legal theft in my opinion.

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    Reviewed June 14, 2018

    For nearly 8 months, my EDD debit card issued through Bank of America has fallen victim to fraudulent withdrawals totally nearly $1600. I contacted EDD, so informed me I needed to deal directly with BOA. BOA suggested that I file a police report and circle the transactions I insisted I did not conduct. They told me they were confident the funds could recover. However, shortly thereafter I was told that BOA made the determination that the transactions were not fraudulent and closed the case.

    This was after EDD and the company that manages the ATMs at those specific grocery stores and 7-11's contacted BOA on my behalf to back up my claims of fraud and all of us were quickly dismissed. What's interesting is that it was physically impossible for me to have made these withdrawals from Jon's, Von's and various 7-11 locations in Los Angeles. Why? I was working in a location not remotely close to where any of these transactions took place. I'm pretty sure this is not the first or last time this has occurred with a BOA customer collecting Unemployment benefits via debit card. I'm even more confident that it is an inside job as the withdrawals would take place immediately after the funds were deposited.

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    Customer ServicePriceStaff

    Reviewed June 12, 2018

    My tax refund check was stolen (I believe by a postal worker) on May 4, 2018, and taken to Bank of America on 14th and Union Square in New York where they were allowed to not only open a checking account with my check (in my name) but also withdraw all the funds before Bank of American closed the account due to "fraudulent activities" (keep in mind I have never had a Bank of America account) the person had NO social security number, no utility or phone bill as proof of address. They created a fake date of birth (WRONG).

    Fake email address (WRONG) and had a fake Dominican Republic passport which should have thrown red flags then and there. I only found out about the checking account because Bank of America sent a letter to my home stating they closed my account due to fraudulent activities (WHAT ACCOUNT)! I called their fraud department and opened a claim immediately. I went into a branch and spoke to several managers which all said the same thing "this is not our practice to open accounts without a social security number and proper documentation".

    I had so many questions like "why was this person able to use a DR passport to claim US taxes." They are not citizens and therefore unable to work here and collect taxes without a work visa which they DID NOT HAVE! "Why wouldn't your employee put a hold on the check and confirm with the IRS the information given"? It's very clear that this was identity theft as well as a federal offense. Now Bank of America is telling me it will take 90 days to conduct an investigation!!! It didn't take 90 days for your employee to open this fake account and let this person steal my money (I also believe that a bank employee is in on the scam). I worked hard all year and was excited to receive my check because I have a terminally ill mother who's medication is expensive. I depended on that money to make things a little more comfortable for her and this person took that away and what is the bank doing about it?

    I called yesterday to inquire about my claim (which is now over three weeks ago) and they said the same things they are trained to say "I'm sorry this happened to you and the case has been assigned to an analyst who is working on it". I don't want to hear what you are reading from a manual! Tell me where we are in the case, did you call in the representative that opened the account? Did you pull video surveillance from the ATM machines the person used? The bank sent me a statement last week of all the activities and withdraws. The thief withdrew four large amounts within a 2 day period and that's when the red flag went up. I am beyond disgusted with Bank of America.

    They call themselves an upstanding financial establishment who are here to protect your finances and instead they are just as bad as the thieves that stole it! I also put in a claim with the IRS to let them know what is going on and that I never cashed the check that it was indeed stolen and cashed by someone else and they agree that it is the responsibility of Bank of America to replace the money since they were the ones who so carelessly and negligently accepted, deposited and cashed the check without the proper identification. When I asked was it the practice of the bank to allow accounts to be open without social security numbers they had the nerve to say maybe the representative became nervous or maybe they were new! WAIT WHAT NOW!!! Nervous or new? if nervous then practice should've been to ask the client to wait and go to a manager.

    If new the practice should've been to ask the client to wait and go to a manager!!! The lame excuses were given to someone who worked in the financial district for 6 years (ME). I just want my money back as soon as possible. I want Bank of America to acknowledge their colossal mistake and treat me like the victim (I am) and work to resolve this disgrace in a timely matter. I also have claims into the post office where I live since I truly believe this was an inside job. I've never had problems with my mail and my box was not tampered with. I was also told that had I been a Bank of America client, I would have had my money replaced already.

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    Customer Service

    Reviewed June 11, 2018

    I'm definitely closing my account! I was scammed by an online retail company. I've provided all documents stating that I've tried to reach out to the company so that I could return and refund, even provided an email with false claims from this vendor, and because the company didn't respond, according to BOA, that's in the companies favor! If that's the case, all scammers can do that. I'm done with this bank and going to Capital One! : )

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    Punctuality & SpeedStaff

    Reviewed June 11, 2018

    Never in my life have I ever had so much problems with a bank! I just got this card 3 weeks ago. My card was blocked a week later. They never knew why or they couldn’t get into my ** account at all!! After waiting on hold for a rep for an hour or over EVERY TIME mind you They told me 2 weeks later it was because there’s a fraud report!!! So I just got my card activated. 3 days pass and guess what! Now my card is blocked AGAIN!!! I tried to pull out money to see if it was just the place I was at but nope my ** PIN is wrong when I used that same PIN multiple times!! Now my card is declining. I cannot use it anywhere. I tried to use it as credit like I’ve done before. NOPE! Decline! I have over a thousand in the card so I know for a fact it’s not because my money is low.

    I’m low on gas! I cannot fill my car up for work tomorrow!! Debit card are vital. I cannot afford my card to decline every other week because of this ** bank! People can not afford their banks to do this. We have bills. Bills do Not wait for you!!! If I can give Bank of America no stars I WOULD! This bank is the worst! I’m definitely closing this bank out and getting a new one. I haven’t even been with them a month yet and I’m going through HELL with these people! So yes I will definitely tell you to not do business with them! Save yourself the headache!

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed June 9, 2018

    I bought a house recently -- just barely, with BofA inflicting great misery, humiliation and incompetence on me. 1. I went personally to BofA to explain the circumstances before I traveled to the new location outside the US. Actually all that was needed was a transfer from my BofA savings account to the realtor's BofA escrow account. I showed my accounts to the genuinely helpful assistant at my location. The sum I needed to transfer had been resting in my savings account for months. Fine, fine, thanks for coming in. 2. I have had BofA accounts for 22 years. 3. Communication is difficult in the new location. That is true mostly of cellphones NOT registered locally and erratic Wifi availability. I pointed out that the casualness and dependability of American technological communication is not possible there.

    At the signing I transferred the money (50K) and blap everything shut down. The money was not sent. I begged for tolerance, got it grudgingly, but for the next WEEK got no help from BofA, OR would get 3rd hand assurances and then no transfer, no telephone call, nothing. Each morning I would call the bank, usually 25-35 times with no answer PERIOD nor any answering machine. Nothing. It was a nightmare. Any exception was a merry-go-round of robots making inane statements leading nowhere. On the one or two times I did manage to contact the helpful assistant she did genuinely try to straighten things out. However, it was obvious to me that she was receiving no back-up, no support, no help day after day.

    When I got back to the US I found this email: "Reference number **. This servicing email is being sent to you regarding activity on your account ending in **. Our monitoring systems detected an online transaction dated May **, 2018 in the amount of $50,000. Please contact us IMMEDIATELY to verify the validity of this transaction at ** Monday through Friday 8 a.m. to 8 p.m. Eastern. If we do not receive a confirmation call that this transaction is authorized, we may stop the transaction. Thank you for your prompt attention to this matter. Please do not reply to email as this mailbox is not monitored."

    That is disgraceful: badly written, unclear, offering almost no genuine routes for assistance, demanding my immediate action? OK, I get the message. BofA has zero interest in assisting regular, noncorporate customers, even ones with a history, and frankly, some assets that BofA can see. I assume they would prefer I just go away. But if they put me through outrageous, humiliating, Catch-22 experiences first, oh well, so what. They really have no interest.

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    Customer ServicePriceStaff

    Reviewed June 9, 2018

    I have a checking account with BOA which I did not use and at least 4 years. They started charging $12 service fee monthly and mistakenly my wife choose this account for Amex credit payment which resulted in $35 overdraft. Amex reversed the charges but BOA did not reverse their $35 overdraft and with service fee standing now at $24 I have $ 50 that need to pay BOA. I called the pathetic call center for to listen to the script. I spoke with the manager who was also did not go off script but was also condescending. According to him one notice within the statement last year in October should have been enough. Long story short I owe BOA $50 for nothing. Who says you can't create money out of nothing. Good Job.

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    Customer ServicePriceStaff

    Reviewed June 9, 2018

    I have been a customer for 18 years. I go out of my way to get to the bank because the closest one to my house is 40-45 min away. Well yesterday I was trying to deal with an issue with a fee I was charged and customer service was Awful, I then spoke to a supervisor and she was even worse!! They don't care about us! They did help me in the past but this time was not my fault and were NOT willing to do anything for me! With all the fees they charge for overdraft, monthly fees and any other fees is how they make money on us and I AM DONE! I am going today to a NEW bank to open up new accounts, not that BOA will care because if they did they would have helped me and the supervisor wouldn't have said, "Well if we have to lose you..."

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    Customer Service

    Reviewed June 8, 2018

    I just bought a new car and financed 50% with BOA. The auto is in my wife's name. After 2 hrs of attempting to set up an online account to make the payments, We finally got a live person on the phone. After answering the appropriate ID and account questions she was asked for the license plate # from a car she bought in 2004 and sold in 2008. Obviously that being 8 cars ago she failed the correct response. We were told we could only pay by phone monthly. No other option except to bring three IDs to a branch inconveniently miles away. Simply horrible customer service. I plan to pay the balance on Monday and screw the loan. I do not need this runaround. I usually use JPMorgan Private bank but this was set up by the dealer with a favorable APR. Never a problem with JPM Private bank.

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    Staff

    Reviewed June 6, 2018

    I have used Bank of America for both personal and business checking and a variety of savings accounts for 15+ years. On the front end, the staff at the bank are very attentive and caring people so this is not directed at them. But at least 4 times in the past 3 months, Bank of America has processed checks set up in the "bill pay" feature 1, 2 and even 3 days before they were supposed to be processed which has led to overdrafts because the funds were not present. Because they were scheduled to transfer the day that I wanted to have them processed not when BofAm decided to have them processed. In the past 5 years, only once was a check/payment processed one day in advance so on the front end it appears that Bank of America has found one more way to take a hefty "overdraft fee" on an overdrawn account.

    Of course, this affects credit scores with the bank and those debtors who have to reprocess a payment which usually also has a steep penalty fee. Because of this, as a safeguard, I have larger bills set to be paid at least 2 days after I want them to be processed just to be safe. The other good news about the staff at the local branch have reversed several of the charges. Again, staff great, bill pay feature left wanting... It can be much better. When I confronted the staff/branch manager she said that they want to make sure that the bills get there on or before the date I set the deduction to be withdrawn on, "to make sure it gets paid." I'm not buying that story considering that money and payments are transferred instantaneous in today's computer/electronic/internet world. Has anyone else had this experience?

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    Customer ServiceStaff

    Reviewed June 5, 2018

    Typical experience with Bank of America involves waiting long periods to speak to any customer service agent and a complete unwillingness to find flexibility in resolving problems. Having had repeated problems with unauthorized deductions from my account, and having misplaced my verbal password, both my debit card and checking account have been placed on hold until I can get to a bank branch. Normally this would be a perfectly normal request, save for the fact that I am wheelchair bound, having great difficulty traveling outside my apartment. While I offered to email any number of copies of photo identity documents, none of these was acceptable. Ultimately, I will have to get assistance in getting to a bank branch, with administrators of the service apparently having no interest in providing help in difficult situations.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed June 4, 2018

    Countless times now and I mean every other transaction I do this. Bank wants to put restrictions on my account and put a hold on everything for what they call unusual activity. Really! When does buying a few things off eBay under my own account then going to the atm and putting in my own pin in unusual activity. This is and has been a major inconvenience. After sitting on hold for over an hour making me late for scheduled appointments, a CS rep wants to say, "Sorry sir but it's for your protection." I can understand a couple of times but now sorry isnt good enough!

    When I specifically say I dont need your security coming in between me and my funds please remove any security features which restricts my account from being accessed. That means STOP with the unnecessary BS. This has gotten way out of hand after speaking with a dozen reps and them saying this will not happen again that I will receive a text to ok the transactions and will not have to call in. Well that never happened. In fact I never received a text or email just another restriction.

    HEADS UP BANK OF AMERICA. FIX YOUR STUPID FRIGGIN FRAUD DEPT AND FIX THIS MAJOR PROBLEM. THESE RESTRICTIONS HAVE YET TO help me in any certain way and has only served to piss my off time and time again! Get your head out from every transaction I do and being some watchdog of referee over every transaction that I do or lose another customer. I've never had this type of service before nor do I want it and I'll be damned if I keep tolerating it!!!

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    Reliability

    Reviewed June 1, 2018

    BOA has consistently missed the payment due dates on Bill Pay items that require a paper check to be mailed. One payment check never arrived. When I complained to BOA, they blamed the Postal Service, and have not been responsive in doing anything to correct the problem. Therefore, the Bill Pay service is only reliable, in my experience, if the payments are processed electronically. BOA should process and mail the paper checks more in advance of the due dates.

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    Customer Service

    Reviewed May 29, 2018

    I made a deposit. The bank accepted the deposit and made an amount available and put the rest on hold to be available on a certain date. It's printed on my receipt what day it would be available. That day came and they put the entire check on hold and did not honor the availability date. Keep in mind, several bankers called and verified funds. The other institution verified it had already been paid. The point is, don't be a ** teller and lie to people by printing inaccurate receipts. The other point is, act like you're a human when talking to a customer. Customers aren't robots. The last point is, if you have been paid on a check, don't hold the customer's money way past the date you said you would make it available. Horrible business experience with this bank. Absolutely horrible.

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    Customer Service

    Reviewed May 26, 2018

    I owe these people money, but they have refuse to send me a bill or statement. It's not much but it's an outstanding bill! When I called (or even went over to the bank) all they do is tell me to log on to a site I have ZERO access too. I have no clue what my account number is. I have NO BILL OR STATEMENT! After waiting two years, I just gave up. I think they sold it to some mouse-house bill collector and I refuse to respond to any of them, because most of them are frauds (I lost money to them in the past, then found out it was a fraud from the government). So far it's not on my credit. But I want a bill or statement, something that actually says I owe the money how much!

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    Reviewed May 26, 2018

    Long time customer. Good for free checking. Tied with my savings outside for better return with my charge card into my checking. Works well. I get extra cash. That is nice. Never a problem.

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    Customer Service

    Reviewed May 26, 2018

    Whenever I have a problem I can usually handle it over the phone. I have several accounts and I wanted them all linked online. It took me about 15 minutes over the phone to link 3 accounts and close one.

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    Reviewed May 25, 2018

    So, I am not a customer of Bank of America, nor will I ever be. My truck was broken into and a paycheck addressed to me was stolen. I had already deposited it in my account mobily. The person who robbed me wrote my name on the back of the check and paid it to the order of themselves, or likely to a person's identity they stole. Turns out Bank of America approved the check, gave the thief MY money, which in turn was taken out of my current bank account since it was deposited twice. Should I have destroyed the check after depositing it mobily, yes. Should Bank of America blindly have taken a third party check with no questions, no. How could they have let this happen? Was a teller in on it? Either way I will be contacting a lawyer.

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    Customer Service

    Reviewed May 25, 2018

    Online access is a nightmare. Incorrect information submitted to Consumer Financial Protection Bureau against customers. Refuses to correspond in writing. Unethical practices and horrible customer service.

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    Ease of Use

    Reviewed May 25, 2018

    I have had a great experience with mortgage, auto loan, credit card, and banking services. The bank apps are easy to use and secure except Bill Pay which can be confusing. I do have my retirement IRA roll-over with them that gives me a higher customer status, includes better loan rates and cash back on credit cards.

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    Reviewed May 25, 2018

    The credit card they offer is great and I would have loved to have kept it but wasn't able to in the consolidation. The points they offered were great and I'd love another one.

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    Reviewed May 25, 2018

    I really wish there were no fees at the Bank of America. I'm on a special safe balance account which has no overdraft charges, but a 4.95 fee each month. That fee is a waste of my money.

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    Reviewed May 24, 2018

    Bank of America refuses to allow online access, then penalize customers. They have outrageous fees and they arbitrarily reduce customer credit lines to intentionally harm credit scores. No responsibility to customers.

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    Reviewed May 24, 2018

    I have had numerous accounts and mortgages with BofA over the past 30 years. Bank of America used to be a World Class Bank. I can no longer profess this to my clients and renters. I used refer people to use BofA but I no longer do so. I have been given contacts to resolve issues. This worked for awhile, however after a period time. New and the old issues would reoccur. As I communicated with the local branch... If they could not resolve my issues. I would resolve them myself, by move accounts away from BofA. Thus far, I have close 3 accounts, and move my money market to other banks which appear to want my business.

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    Customer Service

    Reviewed May 24, 2018

    I like the tellers we have here. They are great at customer service and it is the main reason I use this bank. Security for your credit card is pretty good at Bank Of America too.

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    Coverage

    Reviewed May 23, 2018

    I have banked with BofA for nearly 8 years and the first 5 of them were just fine - free checking, linked savings, only requirement at the time was to always use ATM services in order to avoid teller charges. Ok, no problem there. Then I began seeing charges on my checking account, which was no longer a free account, apparently that type of checking account no longer exists so I was moved into the fee based checking. Not happy about this at all, but as long as I kept money in my savings and maintained regular direct deposits I would be fine.

    Now, I am seeing $12 monthly checking fees, $5 monthly savings fees and instead of my automatic transfer from checking to savings each month being canceled due to low balance, my savings account gets charged $24 in overdraft protection - from my own transfer!! This charge did not go to cover anything! On the bright side, I closed my accounts today. My kids closed their accounts. My husband is closing his account this week. We have had enough. No more games, no more giving our money away to random charges and maintenance fees. Done.

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    Customer Service

    Reviewed May 23, 2018

    Been with BOA since it was LaSalle Bank - sorry we still are! I state "sorry we are" for a few reasons. First off, there is NO customer service anymore - it's gone by the wayside in our estimation. I think the final crux was the taking away of the drive up teller windows. We are all for times changing and the like but we are paying for these services and, as such, we seek these services if we so choose. If we don't utilize those services then that would be our choice - not the banks. Not when we're paying, in our opinions, for something no longer available. Further, now it is only just ATMs and here again two ATMs doesn't account for enough machines for usage - not when cars are lined up. Very disgusted with this bank for sure! Eventually looking to say bye-bye but, as with anything, other items on our to-do presently take precedence but we will make this change in the near-term!

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    Customer Service

    Reviewed May 23, 2018

    Been with Bank of America for many years. As a Preferred Customer I experience many useful perks. The savings rates for CD's, regular savings and checking is dismal if any. I have always been treated well at my branch and with my BOA Visa. Security is excellent.

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    Customer Service

    Reviewed May 23, 2018

    Very displeased with the inside banking customer service, the lines are excessive during peak days, hours. Refuse to have more than 2 tellers on to operate all including drive through. Excessive fees. Nasty attitudes.

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    PriceStaff

    Reviewed May 23, 2018

    The bank employees are very nice and efficient and the bank is always clean and tidy. However, I have not been able to use the on-line banking, it would not accept my password and did not ask me any security questions. Another branch ran debits before credits and were going to charge an overdraft fee, but the local branch helped me get it straightened out according to their records and my receipt of deposit. I haven't paid any service charges yet, but will be sometime this month. I understand a lot of people are upset about the service charges, but I understand that the bank needs to make a profit.

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    Staff

    Reviewed May 22, 2018

    Any and all experiences I've had with Bank of America has been positive. Even with closing out my mothers account after her passing was stress free. Everyone was super sensitive and walked me through every detail.

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    Coverage

    Reviewed May 22, 2018

    My only issue with the Bank of America is that the charge for the safety boxes is higher than it should be especially since the contents are not insured.

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    Sales & MarketingPricePunctuality & SpeedStaff

    Reviewed May 22, 2018

    In 2010 they allowed a merchant (who was a scam) to debit $10k from my account. The next day another $5k and then another $4k, a day later. That was my debit card account. Then they allowed the merchant to charge items worth a total of $8k on my BofA credit card account. They advertised that they were monitoring my account 24/7 for any suspicious activity but they did not find these transactions suspicious. They were complicit, as was the payment processing company for the merchant. They ignored their own policies and these merchants used hundreds of different names and had several merchant accounts with the bank. They also had many more chargebacks than the bank was suppose to allow. They knew who they were dealing with.

    Bank of America sent me to collections and the credit bureaus would not remove it unless the bank said they could. The banks are members of the credit bureaus and the banks are the credit bureaus. Bottom line is: I've had to live with the result of what it did to my credit score for the last 7 years and the credit bureaus have no interest in bettering our credit scores. They would not produce how the transactions were processed and they got to write off the amount as a loss and I had to pay taxes as if it was income, even though it was a loss to me. Our government has given the banks, the drug and insurance companies a free pass to do whatever they want, with no consequences.

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    Reviewed May 22, 2018

    Very hard to get to a human at Bank of America and often the wrong one. Get passed off to someone who really don't know or can't help. Often had to resubmit duplicate copies of docs. One branch often have no idea of what another branch has done even though transacts were suppose to be entered into the computer system.

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    Verified purchase
    Staff

    Reviewed May 21, 2018

    My Properties CWHL 2006 - I had a Countrywide Loan 2006. Massively toxic and promised rewrites, freeze modes and all other lies told by Bank of America's Executive Offices: Wendy **; David **; Zachary Harrod; Matthew **: Vanessa **: and a many other TOP LEVEL LIARS aiding in stealing property. My Note was accelerated in 2007. "Never Decelerated" to which caused a Note Called due shortened the Maturity Date to 2007 and Expired under All laws to enforce any foreclosure. This expired under UCC 3118 at Six Years. BANK OF AMERICA AND NEW YORK MELLON BANK DID NOT CARE... instead they ramped illegal acts; TRESPASSED into my HOME; Caused massive harm; NONStop lies and forced into a BK to stop illegal property theft by false measures. THEY HAVE CONTINUED TO ACT GAMEY ALLOWING NATIONSTAR AND SHELLPOINT TO PRETEND TO HAVE A "OWNER" When no truth exists on that matter either.

    Now Nationstar and Shellpoint BOTH ATTEMPT TO STEAL BY CREATING FORECLOSURE AUCTIONS - NEVER EVEN MAILING A NOTICE - However recording as "Owner of record" vs. The owner of title - each game they play is completely corrupted. They control our government and are Failing all laws. This is time barred a hard stop however no laws are upheld -- These entities have taken over my life and ruined it. -- They are "acting as Phantom debt collectors" when my particular loan was time barred under all operations of laws. They promised to release the lien - then redacted saying that they already transferred servicing out -- however then "SOLD" AT THE SAME TIME. THIS IS INSANE. The Attorney firms aid them. California and Texas Attorney's and Florida Nationwide Title Makes up the forged assignments and the Governor of Florida is aware... What happened??? Seriously. We have NO Regulators found.

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    Reviewed May 21, 2018

    Since Bank of America consolidated two banks the service is faster and the ATM doesn’t break down as often. We don’t use the drive through because the lines are too long.

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    Staff

    Reviewed May 21, 2018

    I have had Bank of America for many years and many moves. Very pleased with their services. They are very explanatory, have lots of patience and are more than helpful.

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    Reviewed May 21, 2018

    I went with Bank of America due to my whole family banks with them. But someone at the bank make a mistake on my account which they fixed the problem but it should have never happen. It cause me problem for a moment.

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    Punctuality & Speed

    Reviewed May 21, 2018

    Fast and easy bill pay system, overdraft protection, and few glitches work for me. I feel their security systems are among the best. Fast service for lost cards too.

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    Customer ServiceStaff

    Reviewed May 20, 2018

    BOA's customer service is spotty, even at the same branch. Some employees are very pleasant & very helpful & some need to be fired immediately for disrespect, rudeness & an arrogant attitude. All of these creeps have been young females (to an older female!). They have your email info & are constantly marketing new services to you but do not inform you of changes made to regular checking account banking. Their credit card rates are reasonable & their online banking is very good, but I wouldn't advise banking with them unless you want to feel & be treated like a 6 year old who neglected his homework or didn't study for a test.

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    Customer ServicePriceStaff

    Reviewed May 20, 2018

    Bank of America employees belittled us and provided mediocre customer service while we banked with them. Actually ended up closing all accounts with them at the end of our mortgage. Also charged too many unnecessary fees.

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    Customer Service

    Reviewed May 20, 2018

    They have lousy customer service and they absolutely do not protect the consumer vis-a-vis credit cards. I would not use them ever again, no matter what!

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    Customer Service

    Reviewed May 20, 2018

    I've had anything from a terrible time, especially with customer service, to what I would say decent... Everything from refusing to cash a Cashier's check...to randomly adding fees on my mortgage. Emailing seems to get a faster response. Calling is usually a waste of time.

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    Customer Service

    Reviewed May 19, 2018

    If you want to see a down payment of your house frozen & all accounts closed without explanation then feel free to keep your money there. They sure know how to freeze your assets for months & give you panic attacks every hour while you’re waiting to get your checks in the mail that still hasn't arrived after 2 weeks of closure. When you call for explanation or to check status on your funds you’re treated like a criminal by their closure department. Apparently Bank of America is scared of its own shadows & can't provide its customers with service. They close accounts based on simply having large balances, based on inactivity, based on being a high risk profile meaning racial profiling of Americans who share ethnicity’s with countries under sanctions even if US citizens, based on receiving money from foreign banks or having crypto accounts or if you cashed your $20 dead grandma check from what I read.

    Don't think it won't happen to you, remove your money before they damage you with panic attacks for months. They will never tell you why because their account closures are illegal & they can be sued for racial profiling or etc. Just check your ChexSystems to see if they haven't reported any B.S on your report & correct it. Also feel free to start a litigation process against them if you have been racially profiled & accounts frozen because there are a lot of reports on that.

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    Reviewed May 19, 2018

    Bank of America can't count they debited my account twice for the same transaction and I had to wait ten days to get it straightened out. I was disappointed in the service I received considering how many years I stayed with this bank.

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    Reviewed May 19, 2018

    I liked banking with Bank of America. Unfortunately, they closed their branch in my town and someone else bought them out. There is a branch about 25 miles from my home so I had to go with the new branch locally. I was disappointed not being able to do banking with Bank of America.

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    Reviewed May 19, 2018

    I’ve been a Bank of America customer for about 25 years, and they classify me as a Platinum account holder. Not that I’ve done anything special to warrant this, but there are advantages. I’ve been generally happy with them and no huge complaints.

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    Staff

    Reviewed May 19, 2018

    I really enjoyed banking with them, they closed their bank here in Hobbs. And I need a local bank, that's the only reason I changed. A very good bank.

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    Customer Service

    Reviewed May 18, 2018

    I had bank fraud - someone was able to order a debit card and rack up $7,000 worth of fraudulent charges. Bank of America claimed they called and got authorization for the charges, even though there are no incoming calls on my phone that day. They did not read the police report, work with the Casino where the charges were made, or look at the footage from the ATM where the charges took place (to see a man of a totally different race taking the money out of the ATM). HORRIBLE service. Now I have to sue them for something that Chase, American Express or Wells Fargo would have resolved by now.

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    Customer ServiceOnline & AppStaff

    Reviewed May 18, 2018

    My bank account was frozen without warning or explanation. Yesterday 5/17 I looked at my account online and discovered my available funds were no longer available to me. I was completely confused and decided to contact customer service. I called the number on the back of my debit card. I spoke with a teller who informed me that she "thinks" my account is frozen because of suspicious fraudulent activity. This was an unacceptable answer. I asked to be escalated to a supervisor. After holding for 20 minutes, I finally spoke with a woman who said the same thing. This totally confused me. I asked multiple times for them to explain what transactions on my account would make the bank assume I was committing fraud. I was only told because of the amount of transactions and the large deposit I just made. ARE YOU KIDDING ME?

    The supervisor became annoyed, I assume because of my confusion and decided she no longer wanted to assist me. The line was disconnected. I spent the majority of my afternoon on the phone on hold trying to get more answers. Per my transaction history there is nothing out of the ordinary about what I do on a monthly basis. The only things that has changed is that I received a promotion at work and my new position now pays me 6 figures. So the deposits I now receive will be larger. I spoke with 2 more supervisors who both told me the same answers but could not explain to me WHY this would happen. I made them go through all of my current and past transactions, there is nothing out of the ordinary. I travel with my job, so of course I may have more gas and food transactions than most. BUT this should not be a reason to steal from me.

    I feel profiled and violated! I am extremely disturbed. I moved all of money and banking services to this corporation from a small bank. My fiancée assured me she has not had any problems with them and that having their app and a an accessible location wherever I go will make my life easier. But this obviously is not the case for me. I NEED MY MONEY! I now am afraid to put any more money into this account and am thinking of switching banks AGAIN. I have monthly expenses, doctors bills from past chemo treatment and a baby on the way. We cannot afford to be on Bank of America's "investigation" time when it comes to money I HAVE EARNED.

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    Staff

    Reviewed May 18, 2018

    I get efficient knowledgeable assistance with respect. I've been valued and know my banks employees by name and they know mine. I'm thankful for the help and guidance I've received.

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    Customer ServiceStaff

    Reviewed May 18, 2018

    This bank is very useful to me and my business. If I have a problem, the person who I talk is always very knowledgeable about the bank's policies, and answers my questions without being rude and offensive.

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    Staff

    Reviewed May 18, 2018

    Not all branches are the same. However, the branch I use always is excellent in their services in all respects. Personable, get to the point and fix the problem.

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    Customer ServiceOnline & AppStaff

    Reviewed May 17, 2018

    Bank of America is by far the most difficult company to deal with I've been exposed to up to this point. I'm a Vice President for a Registered Investment Advisor and have been in the banking and financial services industry my entire career. I originally went to BofA's website to pull a wire transfer form for a client who was requesting to wire a sizable amount of funds out of his BofA account, into his brokerage account we are managing. This same client also requested that I get BofA's information for sending wire transfers back into that same account over time as well (i.e. an income stream).

    After spending an exhaustive amount of time search through every avenue on the website (even looking through the Site Map for BofA, US Trust and Merrill Lynch), Nowhere could I find such a form for doing so, which was a bit of a surprise. I assumed it had something to do with the fact that I did not have an account with BofA. Funny thing about that, I'd considered opening an account with BofA but had been on the fence up to this point. I proceeded to find a general customer service number that I called in hopes I might have them email me the forms my client was needing. When I called, the automated system consistently requests your account information, which in my case, didn't exist.

    So I tried to by-pass the system by requesting an operator and pressing 0. The system continued with it's prompts for about 5 minutes before transitioning to the next phase where it stated, I would be expected to face a longer than normal wait time but if I could input my account information, I can by-pass much of that wait. Well, without having any account information, I had the pleasure of waiting on hold for another 10+ minutes (26 minutes total at this point). The idea of me being a customer at this point was basically out the window.

    But what continued to astound me was the concept that, if I had been a prospective customer looking to speak with someone about opening an account and some of the benefits (before doing so online or going into one of their investor centers - as it continues to prompt you to do), nothing prompted me to reference that so I could be routed to a sales team and the experience was miserable from start to finish. When I finally reached a representative, they was caught off guard by the idea that I wasn't a client and after explaining my situation and request for an email or location to attain the inbound wire instructions and outbound wire transfer form, he was stumped.

    He literally had to put me on hold another 3 times, coming back and asking if we'd thought about going into the investor center to process the request, hold, returned to ask if I thought about going online to process the request - stumped, hold... finally he came back and stated they do not have such a form and that I would need to work with my client to either do the transfer online (Note: this is a $5MM wire transfer, I believe there are limits for such online actions) or go into an investor center to fill out the paperwork. Nice job inconveniencing the client and I'm sure this will have nothing to do with BofA's attempts to sell him on some sort of additional product or effort to retain the business.

    My suggestion at this point is going to be pull all of his funds out of the banking relationship, write a letter to the office of the president (i.e. the $5MM this client has with BofA is a drop in the bucket) and explain that they've become too difficult to work with, he's taking his business to a company that cares more about convenience for him than doing business only through the channels they've now chosen and changed. I hope this letter makes its way to Buffet as a red flag that it's time that he get out, before other clients realized there are better/cheaper options available. Thanks.

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    Staff

    Reviewed May 17, 2018

    BOA has always been there when I needed them. Several times when I had charges on credit cards that were not mine they reversed them immediately. They also contact me if they see any suspicious charges.

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    PriceStaff

    Reviewed May 17, 2018

    I wouldn't join Bank of America ever again! Too many charges on ATM different banks etc. You're also not treated like users should be. I have always treated everyone the way I want to be treated.

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    Punctuality & Speed

    Reviewed May 17, 2018

    I have money from one bank institution to Bank of America on an automatic draft. The money is never there on time. For the last three months I have been getting notices the money has been transferred but BOA has not paid the car payment on time.

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    Reviewed May 17, 2018

    I would never have an account with this establishment. I had a check for $5.00 drawn on this bank which means the company has an account with them. Well they refused to cash the check unless I pay them $8.00 to do so. How utterly ridiculous.

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    Reviewed May 16, 2018

    I just came from Bank of America check. I received a check from a past account that I have, and they charge me $8 from a $22 check, unbelievable! I asked the teller if she can waive the fees since it was on a past account and she said. This Bank of America is located in Modesto, California on Oakdale Rd and Briggsmore.

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    Verified purchase
    Staff

    Reviewed May 16, 2018

    I do not understand why the deposits of money were made before midnight, do not count because it is not in the Eastern time. Bank of America we don't live on the east coast. They have to train their employees to give us the right information. We don't live in the East zone.

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    Reviewed May 16, 2018

    Having to deal with this bank after the death of my aunt and both parents has proven to be a nightmare. Even the bank manager has been unable to solve the problem.

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    Customer ServicePriceStaff

    Reviewed May 16, 2018

    I had an account with Bank of America when I just opened my small business, I asked for a small business loan, they were not willing to help. Always charged fees without any compassion towards the person or situation. I had to wait long to speak to a customer service representative to find out that they had no intention to help.

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    Customer ServiceStaff

    Reviewed May 16, 2018

    I am currently a member of Bank of America and have been a member for over three years. Their customer service has been very helpful in areas that I needed regarding my account. Never have I had any dispute with them or have had problems with them or my account. I believe their services are excellent and satisfactory.

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    Customer Service

    Reviewed May 15, 2018

    For the past several years I have helped support my son who lives in another state. Each month I send him a Western Union transaction. B of A issued me a new credit card in April, so I used it to send my son $100. WU charges $8.95 for the transaction. When I received my B of A statement I was charged an additional $10 fee for me utilizing WU. Now we are up to usury levels that only loan sharks can boast of. $18.95 to send a $100 is absolutely nuts. Nowhere in B of A's material did I find a disclosure for the fee. On top of it I have used multiple banks and none have ever charged me a fee using WU. When I called B of A customer service they were animate that the fee is justifiable.

    When I mentioned that I was considering not doing business with B of A in the future it was water off of a duck's back. I am amazed that a bank will lose an account for $10, plus the bad press they will receive from me to all I know who banks with B of A. It is not the $10 that I am frustrated about it is the principle that a huge bank can do whatever suits them and not budge when they know this is a one time occurrence. Who in their right mind will pay thousands of percent to send a $100 WU? I am without question a very dissatisfied customer. Shame on B of A for their over the hill policies with no flexibility to make things right.

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    Staff

    Reviewed May 15, 2018

    I have my checks direct deposited and my funds are always available when they are supposed to be. I hardly ever go to the bank but when I have everyone has been helpful.

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    Staff

    Reviewed May 15, 2018

    The one big problem I have with BofA is, There is no way to talk to a live person with questions involving my checking account. You can inquire about your credit card, your ATM card and your debit card, but not your checking account.

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    Reviewed May 15, 2018

    I opened an account with them in 2014, they tried to take my money. They said my credit wasn’t good enough to have an account with them. I had to hire an attorney to get my money back.

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    Customer Service

    Reviewed May 15, 2018

    The customer service at BOA is by far the worst of any bank I have ever done business with! It appears that they do not want to do business with the general public.

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    Reviewed May 14, 2018

    I was setting up a trust acct. with funds I already had at the bank and they gave me the runaround asking for different documents for weeks and then said they couldn't do it so I closed my accts.

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    Customer ServiceStaff

    Reviewed May 14, 2018

    I’ve banked with Bank of America over 20 yrs. Home mortgage, credit cards, checking, savings and CDs. No complaints. They have been helpful in the bank as well as by phone.

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    Customer Service

    Reviewed May 14, 2018

    The customer service was not so great and my account was hacked three times within a year. Now that is terrible account security. Finally, the checking account fees are exorbitant.

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    Customer ServiceStaff

    Reviewed May 14, 2018

    Every time I go to their office or call them they are very helpful and accommodating. When they made the mistake of putting my money in the wrong account and fees were applied to my account, they waived the fees.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 13, 2018

    I really love this bank, the customer service, everything. I would and have told my friends about the prompt professional and courteous service that my Bank of America provides.

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    Customer ServiceStaff

    Reviewed May 13, 2018

    Bank of America get a little of happy at times but all in all it is a great bank. Customer service via phone is amazing. Always helpful inside as well. They need more rewards. For long time customers with less hoops to jump through.

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    Reviewed May 13, 2018

    We started using BA in 1999 because we moved to an area that had many BA locations. We also liked the ease in using the bank cards. We continue today for the same reason.

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    Staff

    Reviewed May 12, 2018

    Bank of America has many ATMs and all the services you'd expect. The problem is they don't care about their customers. They only worship the almighty dollars and they try to make a buck at your expense everywhere they can. If you're poor they are even worse. Great for convenience but not the type of business we want to foster.

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    Punctuality & Speed

    Reviewed May 12, 2018

    Been a BofA customer for 38 yrs and never a real problem. But a few through the years have been corrected quickly, correctly and always to my satisfaction.

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    Customer Service

    Reviewed May 12, 2018

    BOFA recently closed the two remaining branches in my area. There is now no BOFA in either the county I reside in, or the one adjacent. Therefore, no personal contact, and no way to do any banking other than on-line, by phone, or thru an ATM.

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    Reviewed May 12, 2018

    They made what should have been a regular request, an ordeal. And when I attempted to make a deposit into a friend who was ill, I was told unless I was on the account, I would be unable to deposit any money. However, I know that if I had just used the drive up or just submitted my friend's picture ID - It would have been done. What is wrong with this picture?

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    Customer ServicePunctuality & SpeedStaffProcess

    Reviewed May 11, 2018

    A terrible experience in applying for a loan. I had to apply twice since my pre approval for the auto loan I applied for expired. The process was inconsistent. The wait times were long. The people you call in to speak with will listen to your entire story then ask to transfer you to someone else. When this happens you get to tell the entire story again. Rates are decent - but if you are looking for an auto loan, I recommend looking for banks that are local to your area. You will likely be able to find a rate that is lower or at least as good as BOA. You are just a number to BOA and you are barely even that. It is apparent from every interaction I had with the company that they did not care whether they got my business or not.

    I initially wanted to go with BOA because their technology is generally best in class. However, after several interactions, I have reconsidered and decided that customer service is still more critical for a lending product. Can you imagine if something goes wrong with the loan? I imagined trying to get in touch with someone at BOA to explain how something went wrong (like if you get in a wreck and the car is totaled). If those interactions were to go like the few that I have had, it would make a bad situation even worse.

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    StaffProcess

    Reviewed May 11, 2018

    In the last six weeks my bank card has been frozen 3 times because BofA states the places I've been have regularly fraudulent activity. I asked "What? Am I supposed to move?" I also stated the transactions are places I normally go to. The second time it happened I went into a nearby branch, waited an hour to speak with someone to have them help resolve the issue. I am set up to receive notifications by text and email so that I can verify the transaction by email or text at the time they freeze my card. In all three circumstances I did not receive any notifications.

    When I asked a manager about this process today I was told it wasn't a "live" notification because they don't know if I am at work or doing something that would keep me from answering. I don't care if it is live, but I do care that I get a notification so that I can verify the transaction when I receive it. It used to be set up that way until this year. This is very much irritating and not convenient banking AT ALL. I've been a customer with BofA since 1996 and at this point I'm done. They only care about their big money customers and as far as I'm concerned they should change to a corporate bank anyways. They've lost how to deal with the private sector and do nothing but make excuses that are causing this type of problem. Bank of America is a sham!

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    Customer ServicePrice

    Reviewed May 11, 2018

    I know they have to make money but the fees they charge are ridiculous. If you got a pile of money you can pay it. The little man it hurts. They also need to teach people more customer service and check them to see how they're doing with the customer.

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    Reviewed May 11, 2018

    Bank teller very unfriendly and stand-offish. Did not like the experience. I have been there more than once just to make sure I was not imagining it.

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    Customer Service

    Reviewed May 11, 2018

    They are a typical corporation. They do not consider their customers needs first. This is made clear by their additional fees, simply to use your own money. I dumped them as soon as I found a credit union I trusted. They maintain contact with me whenever there is something questionable on my accounts, make sure my accounts are protected from fraud, and have better customer service than any bank I've dealt with.

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    Reviewed May 11, 2018

    Bank of America have excellent service period. I never have a problem with logging in mobile banking and can access funds at all times anytime. It has been the best bank choice I have ever made.

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    Customer ServiceCoveragePunctuality & SpeedStaff

    Reviewed May 10, 2018

    I recently decided to open a 2nd checking account and chose Bank of America because there is a branch close to my home. This was the biggest mistake of my life! I had a check from an out-of-state-business to deposit when I opened my account. The check was for $15,000. I deposited the check and was allowed to withdraw $200 against the check. I opened the account on a Saturday. When I deposited the check I was originally told the hold on this check would be a full 7 days. Then, when I logged into online banking I noticed that it said the hold would be 2 days less. That's good news, as this was the ONLY money to my name. I mean, I had ZERO money to eat, put gas in my car, feed my cats, etc. I REALLY needed this money and I needed it ASAP.

    I contacted someone at the company who had written the check and he told me that the check cleared their bank on the Monday following my deposit. Oh GOOD NEWS for sure! I contacted BofA and told the woman on the phone that the check has been paid by the originating bank, so can they take off the hold? No, they can't. They will not shorten the hold, even though they have already received the funds from my check!! I asked if they could please release $100 so I can eat, and they said no.

    Needless to say, this infuriated me. Why, if they have already received the money to cover the check, would they refuse to lift the hold from the account? This seems completely unethical and should be illegal. I called again the next day and when they refused AGAIN to release a measly $100 I kinda went ballistic. I told the woman that the issuing bank has already paid to cover my check and therefore, they have no reason to hold it anymore. The person told me that this check is subject to being returned by the issuing bank until the 16th of the month. The official date they would be taking the hold off of my account was the 12th. I'm not stupid. I refuse to be treated like I am. I told the person on the phone that if a check can be returned after it's been paid by the issuing bank, then BofA would need to put an eternal hold on all checks that come through their bank!!

    The person told me that since I am a new customer I cannot receive another $100 against the check and that the hold will not be shortened. I was being penalized for being a new customer! I decided to call again today and speak to a manager. If BofA has already received payment for my check, why would they continue to refuse to take the hold off, and why would they refuse to release $100 so I could survive until the hold is released?? The woman was able to convince someone (not sure who has the authority to do this) to release $100 against my $15,000 check. Unbelievable.

    I started thinking about the fact that BofA has my money but I don't have my money? This infuriated me even more! I called again this morning and pretty much went off on the person on the phone. They claimed that they have not received "confirmation" that the check has been paid by the issuing bank. Now I know for a fact that banks do not use the USPS to send checks back and forth! It is all done electronically and it's quick. The person informed me that although the check "may" have been paid by the issuing bank, it could still be returned by that bank! Since when can a check that has been paid already be returned? This makes no sense whatsoever.

    I told the person this and then they said that the check is subject to being returned until the 16th (today is the 10th) but that I will have access to my money on the 12th. I asked the person why in the world would they allow me access to my money when the check is subject to return up to the 16th? I told them this is the most ridiculous thing I've been told in a long time! I called back later to try to convince them to release more of MY money. I wasn't even asking for ALL of it. They told me no and then informed me that they have closed my account! What??! You closed my account because I stood up for what is right and for the things that no one seems like standing up for?

    Then I was told that since my account has been closed (no explanation given) the hold will now be extended until the 16th of the month and they will MAIL me a cashier's check. This means I won't receive the check in the mail til probably the 18th at the earliest. Then I will have to deposit it into my other checking account, where there will no doubt be a hold placed on it! I told the woman that the date I was told the hold would be removed was the 12th. Since when can they decide to hold it even longer? Did I mention the fact that I am incredibly pissed??

    They told me again that the check is subject to being returned by the issuing bank up until the 16th. I highly doubt this is true because why would they offer to release the hold on the 12th if it can be returned by the issuing bank up until the 16th? They reminded me that I was a new customer and subject to longer holds on my account. Penalized for deciding to walk into their branch that fateful Saturday instead of going to one of the many other banks I could have chosen! The biggest mistake of my life. And bear in mind, I've been married!!

    I asked yet another person on the phone if I present a signed statement from the issuing bank stating that they have paid the check and that the check will not be returned for any reason, if I could get my money finally. First I was told, "Yes, just bring your signed statement into a branch" and if it can be verified they will issue me a cashier's check on the spot. Then, minutes later, the woman told me no, that is not an option. She told me that I have no choice but to wait until the hold is removed on the 16th. I have absolutely NO money other than this $15,000 and BofA has access to it but I don't. This should be illegal. It's definitely unethical.

    I don't care one bit that they closed my account, as I was planning on closing it as soon as I withdrew MY money, but I do care about the rude, inconsistent, unethical actions of BofA. My friend is going to get a signed statement from the bank my check was drawn on and I'm going to bring it into my branch. If they STILL don't release my money, I'm going to raise hell. I am going to call the police because BofA is literally STEALING MY MONEY! If you are looking for a new bank, whatever you do, DO NOT use Bank of America!!! My brother told me that they are the worst bank in the US but I didn't know what he was talking about. Now I do.

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    Customer Service

    Reviewed May 9, 2018

    I opened an account 1 month before my house sold. When I got moved in went to Bank of America with my Cashier check from my own bank that I received in closing on my home... I was told because of the amount it had a waiting period which is fine. My daughter Carol ** and myself were in the bank when the teller stated my funds would be available May 11 (this was May 4). I go in on May 10 to check on things because a young man at the Tallahassee branch on N Monroe stated they called and was told the money was at Money Bank which was not truthful. My daughter contacted Bancorp South where I got the cashier check from and closed my account and she stated they only use money bank in Ok for the ability to use cashier checks. She stated all Bank of America had to do was call them and would have gladly verified or faxed verification.

    Now I'm 82 and need my meds and to be able to pay my new home bills. I was told on the May 10 Bank of America was not holding my money till May 14!!! What kind of bank is this??? My husband and I were with Bank of America for so so many years and only reason we left was there were no locations where we moved. I trusted B of A and had I read other reviews ahead of time I never would have gone back... They said my account being 1 month old was still too new. All they had to do was contact bank where check came from. It's a Cashier Check so it's automatically backed by the bank. Then when I requested to come in and just get my cashier check back they said NO I was not allowed to. This is my money from sale of my home and this has been a horrid experience and I will let everyone know.

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    Punctuality & SpeedStaff

    Reviewed May 9, 2018

    Every time I go in Bank of America the line is always full inside and the drive thru. I have NEVER got out of there in less than 40 minutes. 1 teller for the drive thru and 1 teller for the inside. Just today 15 people in line and only 1 teller but 3 people in their offices playing with their computers instead of trying to help with the customers. This bank is like this every time I'm in there. When I did get to ask the teller why is this bank so slow, she said that they refuse to hire any help. All of my friends have stopped using Bank of America and I can see why. NO SERVICE. I have told my wife to stop our direct deposit and any other services we have there. I moved from Michigan and NEVER had this problem. I've been in Plant City 5 years and this is a serious problem you people have. I just don't understand how you state that service is your number one goal. Suntrust here we come. I guess I was stupid to think it would get any better.

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    Customer ServiceStaff

    Reviewed May 9, 2018

    I have been a Bank of America customer since 2011. I recently moved out of state and opened up a private checking account that linked with my joint checking and savings account I have with my boyfriend-now ex boyfriend. I transferred money from our savings as we privately discussed on April 23rd, a hold was placed on my account the following day claiming it was fraud. I called a representative and they told me the issue would be resolved within 10 business days. Which would have been May 8th. I have spoken with over 15 employees at this bank including going down to a branch twice, customer service, an investigator that treated me like a criminal, as well as their fraud department. Every single time a different answer.

    I have provided documents stating I am legally on these accounts, my birth certificate, my social, my id. I honestly don't understand how they can be so cruel as to not taking into consideration that financially they are causing so many problems for me when they are supposed to be my financial institution! I have read their disclosure (page 7) and have not done anything that I should not be allowed to do with my own account. It is not right to have me locked out of my account when I have a 3 year old little girl to take care of on my own now! My credit score has gone down with payments being rejected just in the last 16 days. I am furious at this point and would never recommend this bank to anyone. I have also had a Chase account since 2012 with no issues. Their customer service has always been amazing.

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    Customer Service

    Reviewed May 9, 2018

    Customer service is like talking to Trump, they tell you one thing and do the opposite. They take your money fast but take weeks to refund or credit your account. Come on, you need to pay bills faster, refund money faster (like Amazon). And EVERYONE AT BOA SHOULD HAVE TO BE ON HOLD FOR 30 MINUTES OR MORE, BE TRANSFERRED, PUT ON HOLD FOR ANOTHER 30 MINUTES, all the time having to listen to that God awful message that you cannot mute. There needs to be a silent option when you are on hold. Of course we know we can use the bank app or see our balance online. We are never calling about that morons. BOA is too big to care about you.

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    Customer ServiceStaff

    Reviewed May 9, 2018

    This is not a major consumer service problem, but gives me the incentive to move my money out of Bank Of America, to a bank that would appreciate my money. I normally order $2 bills in bulk from another bank, but thought I would give Bank of America a try to see how well they can do in dealing with me, a special "preferred rewards customer". Well, it took 2 phones calls and about 6 minutes to get through to someone to take my order. After that, I called up the Bank of America customer support to comment about the lousy service. The employee was very helpful, and said he was going to file a report. Since that time, I never got any call Bank of America or even the branch office. And yes, I'm still waiting for those $2 bills.

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    Staff

    Reviewed May 8, 2018

    There's usually a long, slow moving line inside the bank, so I deposited my city payroll check through the ATM. Then, the printed receipt stated the entire amount of the check would be on hold for 9 days! The reason stated was as follows: A hold was placed on your check, because check specific information indicates item may be returned. So, since I needed at least some of the money before 9 days, I went inside to speak to the teller. She said, if I had waited in line and deposited it through a teller, instead of the ATM, I could have got some cash from it.

    She gave me a customer service number and suggested I call them. So, after waiting 25 minutes to speak to someone, I found out the reason for the hold was that the check was a high amount (it was under $5,000.) I explained that I needed at least a portion of the check before 9 days time, so I could feed my children. After receiving no help from two different Bank of America associates, I asked to speak to a manager. She told me she couldn't do anything to help, because I had deposited it through the ATM. This wasn't a personal check and I had been getting checks and depositing them from the same payroll for 2 years! I feel like I was robbed by the bank! As soon as I get my money, I will be closing my account!

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    Customer ServiceStaff

    Reviewed May 8, 2018

    Over the course of two months with BoA, I have had; $125.00 according to an agent I spoke to, "disappeared" from my account, I have had holds placed on my account for simply purchasing music from Google Play which in turn caused the transactions to post after the effective date resulting in an overdraft charge. None of the 7+ agents I have spoken to regarding the charges on my account have been understanding or able to assist me without either, blatantly insulting me saying things like "you're an adult, you should know better..." or by deflecting the charges to other companies like Google. One agent told me to contact Google, and after asking the agent to help me contact them, told me "neither me nor my manager can help you." Why have a customer service phone line at all?

    I have tried to file complaints against the agents, to no avail, I have asked for multiple agents to send me a way to give my review of their service to which none have complied. I demand reform from this Bank. Nobody should have to struggle with their Bank as much as I have had to during these last two months. Terrible service, awful app, in-app services like Zelle steal from you, and don't help resolve the matter or help you understand what's going on. Nobody listens, all these agents do is tell you what has posted to your account, and then dismiss you promptly by raising their tone or just outright disrespecting you. One agent told me "let's move ahead professionally" as if that is my responsibility. I'm not the one at work, I have things I need to do and some of those things require money, money which this Bank cannot handle appropriately.

    Good if all you need to do is a place to have your funds direct deposited for immediate withdrawal, terrible if you plan to use your debit card to make purchase, or if you expect decent customer service. None of the departments are better than the other and only 1 out of the 7+ agents I have spoken to were helpful, both in tone and in helping me feel confident about where I am banking. That one agent, in a dozen, is not enough to keep me banking with BoA. I will only use this Bank for direct deposit and withdrawal to avoid needing to contact their customer service deposit again, and I plan to switch banks asap. 10/10 would file lawsuit if I knew how.

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    Customer ServiceCoverage

    Reviewed May 8, 2018

    I contacted Bank Of America about a bill that was in processing on 5/1. I explained it was not supposed to be paid to the 14th and I had another bill already submitted by my insurance company before that one. They told me they cannot stop transaction and if called after processed they would return fees. So I called back after processing to find out they also switched order of transaction and bounced 2 payments. There was enough money to cover insurance but because of changing processing order and electric bill was higher than had 2 bounced.

    I called 3 times to get resolved and no luck. They are in business to rip people off. I should of stopped all banking with them when they changed our mortgage amount to almost 3 times the amount without changing any paperwork. Then promising to Modify mortgage for a few years of doing paperwork over and over again only to be denied after years of trying. They stole our house and now stealing money again. I guess they are back to their old tricks.

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    Customer ServiceStaff

    Reviewed May 8, 2018

    On May 7th, 2018 approximately 12:30 pm I called BOA about an unauthorized hard inquiry on my credit report that appeared on April 21, 2018 that I did not authorize. I spoke with a rude unprofessional supervisor named Kate, she was not helpful she claimed I owe an unpaid debt that was from 2007 over 11 years ago. I told her I do not have a checking or credit card. I'm only calling because BOA pulled a hard inquiry without me authorizing it.

    Kate then transferred me to a debt collector's dept to collect on somebody's debt that was over 11 years ago and all I only called to have an unauthorized Hard inquiry removed. I think she was attempting to commit Fraud and tried to get me to pay a fake debt collector money I do not owe. If this so called credit card debt is from 2007 then it would have already passed the statute of limitations. It's now 2018. Now I'll to need send a certified letter to have this hard inquiry removed, I'll keep all of you updated with the status.

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    Customer Service

    Reviewed May 4, 2018

    Very dissatisfied with Bank of America Customer service Mgr. I had a direct deposit and a debit that showed processing at 2:00 am on the 4th. So, to me everything is good. At 2:00 pm on the 4th I get an email that says my account was overdrawn on the 3rd? I call and the CSR tells me that the debit processed on the 3rd and the deposit on the 4th and he can't help me with the fee? When both of them showed processing at 2 am on the 4th? I have a problem with this!!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 4, 2018

    Do not bank with Bank of America! They are deceivers, liars, and do not care for their customers, only about the profit and money they gain. I have gone TWICE to the Bank of America at Cortaro, Tucson to retrieve My MONEY from my DEBIT card after closing the account with them. First of I closed the account because they charged an overdraft fee which I acknowledge. It was not banking error, and called them to explain that I had the money in another account but if I would have gotten an alert of the account being in negative at the moment I would have transferred money and the overdraft would not have happened. Mind you I have this account since I was 16 over 6 years of banking with them.

    Customer service said it was not banking error and that they could not reimburse the account, I have not had an overdraft fee waived in over 2 years and spoke to the manager and he said that he couldn't do anything about it when it just takes a click of a button to waive those fees, so I told the manager, "You know what close the account. I am going to start banking with Chase that does tell me at the moment when I overdraft." 2 days later I noticed that my direct deposit was going to go through with this so called Bank of America.

    I noticed and called to have my account reopen that way my direct deposit hits and after I could for sure close the troubling account. Well, my direct deposit hits and I try transferring the money through ZELLE and it says, "Sorry you cannot transfer at this time." So I am thinking it is an error so I called the bank and they said, "Give it until tomorrow because the account was reopened and needs to acknowledge it's no longer closed," so I waited.

    Next day another dilemma, I still could not transfer the money with ZELLE so this time instead of calling I go straight to the bank at CORTARO, TUCSON and this banker teller assist me and tells me that since the direct deposit still has not processed through it will not let me withdraw that I have to wait until tomorrow to withdraw the money. It was a logical explanation and I had explained to him that I thought the problem was when I called to close the account and try and reopen it and he just wanted the easy way instead of further looking to see why or taking a minute to actually listen he could have fixed the problem. I left because he couldn't do much for me as it is EVERYTIME I am in contact with this Bank of America. Today, May 4 I go back because today my direct deposit is already processed and cleared in my account.

    This time I walk into the Cortaro, Tucson and this banker Christopher helps me and tells me that the system still shows that I cannot withdraw MY MONEY. He calls some special number and gets in contact I guess with an account specialist and inquires why if the money is posted I cannot withdraw MY MONEY. The account specialist then says that the account is closed. It's not open and he reopened it. Here comes the dilemma the specialist opened my account but it takes 24 hours for the system to see the account active again. Christopher apologized but in this case an apology is just not acceptable as now I am late on my car insurance and of course Bank of America does not CARE.

    I am beyond upset as it is my money and my lifestyle these people are messing with. Even by one day it affects me and creates a whole ripple effect. Now I am waiting to see what they tell me tomorrow when I go withdraw MY MONEY. What else can they come up with. These people are no good. They trap you into lies that either way you put it you will ALWAYS end up losing money with them. Take my advice do not bank with this bank. THEY JUST DO NOT CARE ABOUT YOU.

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    Customer ServiceStaff

    Reviewed May 4, 2018

    I received my first email correspondence from Bank of America regarding my automobile loan on April 28th. The subject was titled "Your Installment Loan Statement is Ready in Mobile and Online Banking." Great, now I can finally pay my first bill, I've been expecting this, I thought. I followed the view statement link in the email, and was unpleasantly surprised to find not one, but two statements there. The first statement, according to the website, was received 4/26. That is understandable as I was informed by a Bank of America loan officer that I should expect to receive my first bill about 60 days from the purchase date of the vehicle. I purchased the vehicle on March 2nd.

    The second statement was received on 3/26, and was already 12 days past due. I had received no notification of its existence, no notification that my automobile loan was available, no notification of when the first payment was due, and no notification when the payment had become past due. I thought that there must have been some sort of mistake. Automobile monthly payments are by no means a negligible amount of money. In fact, it is generally advised that one's monthly automobile loan should amount to 20% of one's monthly take-home pay. Yet, I was expected by my own bank, with whom I have carried my first checking and savings accounts since I cashed my first paycheck in 2006 at the age of 16, to pay not one, but two month's worth of installments. I live on a budget. 99% of us, live on a budget.

    I called Bank of America to explain the situation, knowing with no doubt in my mind that there must have been some kind of mistake. The representative that I spoke with agreed that there should have been some sort of correspondence to make me aware of the first statement's availability, and that this was a peculiar case. However, the representative was also, ultimately, unapologetic, assuring me with utmost certainty that I would now have to pay both installments, and that there was nothing they could do. The phone call left me bewildered as I had never felt so taken advantage of by Bank of America, with whom I have held Preferred Awards status. I called again, thinking for certain that if I were to explain the situation, another representative would be able to rectify the billing discrepancy.

    My attempt, again, proved futile. The representative understood that I should have been notified before the first bill was due, yet fully expected me to pay the full balance reported as owed. I no longer hold Preferred Award status with Bank of America as I keep the bulk of my wealth in a brokerage account held by Janney Montgomery Scott, a Philadelphia financial services firm. Although I was strongly considering moving a sizable portion into a Bank of America Merrill Lynch account for investment, I will no longer be doing so - as I have been provided ample evidence not to trust Bank of America with the duty of ensuring the safety of my financial interests. I will also be refinancing my auto loan, with a more reputable lender.

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    Customer Service

    Reviewed May 3, 2018

    Went to branch in Elgin on Randall Rd. Poor customer service. No one knew their job. All the tellers should be trained. My worst experience in life with a bank. Will NEVER go back to that branch. Not even a free sucker. Left there, went to South Elgin branch. Angel ** is the best. Took time to explain the situation to me.

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    Price

    Reviewed May 2, 2018

    I've had a Bank of America account for several years. A few years ago, the local bank closed. I stopped using the account. I forgot and left $20 in it. Come to find out they've been charging me $12 a month for not using the account. Now it's overdrawn. And they won't close the account till I pay the fees they overdrawn... BS.

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    Customer ServicePunctuality & Speed

    Reviewed April 29, 2018

    I've been a Discover fan for a while. Extraordinary customer service, wonderful promos, user-friendly mobile app, and the list continues... Last year I decided to transfer my Discover balance to BofA because of a 0 % APR promo they had going. They are the opposite in every way. Just trying to get a human on the phone is difficult. The wait time is usually long. The first time I tried to pay my bill, I spent 3 days trying to get them to connect to my bank as they wouldn't accept a debit card for payment without a full process behind it. And since it took 3 days to connect? They hit me with a $38 late fee. This month I submitted payment on the due date but it didn't process until the next day. The minimum payment process completed and THEN they hit me with a late fee. I called to ask if they can waive this since they obviously received the payment before they even sent the late fee, and she said, "No. We cannot."

    So then there's the whole deal with trying to change my name on my account after getting married. I sat on hold for 20 minutes before a guy told me I'd be sent a form within 7 days that I need to complete and mail to them. It's been over 7 days and I haven't received this. I called Discover to change my name and it was literally taken care of within 5 minutes with no forms to fill out. This includes wait time. I once had my BofA card stolen and it took 14 days to receive my new card. Discover took 3 days. I don't understand why BofA hates their customers. I've just called Discover to ask about transferring my remaining balance back to them and they offered me a wonderful promo. Within one minute of calling Discover, I was on the phone with an actual human who was excited to help me. I will never, ever go back to BofA. I've been spoiled by Discover.

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    Customer ServiceStaff

    Reviewed April 28, 2018

    On April 17 2018 I purchase an online account with Bank of America trusting that Bank of America will be a suitable account for me to start my bank process out of Houston, TX area. I started my income tax online with TurboTax and after Bank of America approve my account I given TurboTax my Bank of America account. I place additional money inside my account with Bank of America. Now trusting everything was ok TurboTax alerted me stating that my money had been approved with an approval date. Then I went online and Bank of America told me my account had been lock.

    I call customer service and I was then notified to call risk department not knowing what's going on. I call the risk department then I was notified that my account was close because they couldn't identify who I am to go inside with two forms of I.D's. I was shock like ok well I ask why you approve my account and I ask what you mean my income tax are on the way. Risk department sounds hispanic name. Sarah's got nasty attitude with an aggressive tone of voice ** and ratchet that well you just need to go inside bank with your ID. I'm like, "First of all you need to tone your voice because of now I haven't disrespected you yet but you asking for it. You not listening to me." She hung up in my face... so I say ok.

    Next day I gotten into Houston, TX because I'm a CDL driver. I drive buses over the road. I went inside South Main location Bank of America. I spoken to manager Mrs. **. She was very helpful, professional and nice. She tried all she could to try solve situations. We contacted risk department. I was inside bank. Boom. My money was posted inside old account. New account open. I was told from James in risk department that money had to be hard post then transfer in new account. So I left and manager ** ask me to come back next day so she could do transfer. Now next day I returned. Wasted my gas. Time taken off from work just to learn my money was rejected and sent back to IRS.

    What I'm saying why lie? Just be straightforward. ** tried to help call managers upper just to learn of rejection and slap in my face... What kind of bank is not there for their customers? I really wish I have read reviews before I open an account with these crooks. And they still holding on to my funds instead of sending back to be process. I wouldn't open a wild animal account if this bank was the last on earth. All these reviews are the truth. Catch first class out from this bank. Most disgusting lying bank on universe. I hope this bank shut down. Need to be call disgusting bank. Full of lies, nasty attitudes, no customer service skills with low rating...

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    Reviewed April 27, 2018

    Went to deposit money and checks at Bank of America location. Inside the branch was packed and as every Bank of America location always is. Went to ATM where they offered new service called cash checks. Deposited my paycheck. And offered half of paycheck and cash, and other half deposited in my account at later time. Got the cash and then deposited back into the account. Now instead of BofA depositing the check half, it processed it in full. But the strange thing is that it showed me on my end of my account was the half from the check waiting to process so the amount of money.

    The bank statement and mobile account never showed any of this happening, of the check error or process in full and Bank of America when asked why I wouldn’t see it said I wouldn’t have access to that information on my end! So BofA withdraws the whole check amount, tells me that the check bounced and it’s being returned. False info. A claim gets filed, two days later claim gets denied because whoever filed the first claim did not see that the cash withdrew from the check cashing at ATM was withdrew & deposited at the same ATM the same day. Now I’m being told by Bank of America that I have to wait 15-20 days for this to get fixed! I’m also filing with the FTC as well because these are bank errors. My account is in the negative and I lost money due to their negligence.

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    Customer Service

    Reviewed April 27, 2018

    In January 2018 my account got hacked and $300 were taken out, I opened a claim and BOA provided me with the credit to cover these charges. In April 2018, I received a letter stating the claim has been denied as BOA had reached to no conclusions on this claim and were not able to prove that my account got hacked. It said they will remove the credits provided. I called them immediately, provided a written statement as per their request, BUT they STILL took the credits out. I cannot believe that this is how an institution treats their clients, NO protection, NO assistance. Do not bank here.

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    Customer Service

    Reviewed April 27, 2018

    Today I got two fraud alert emails concerning fraudulent charges on my account. With cards in hand I called the number to call listed on the email. When I called in they were unable to ask me about the charges because in order to verify it was me they had to sent a code to my phone. I told them I don’t have that phone number anymore and I don’t have a US phone currently as I am living out of the country for 6 months. They cannot call an international number and that is the only way for them to verify me. It doesn’t matter that I could answer any question. They can’t send a code to email (apparently just fraud alerts). I also can’t transfer money from my BA bank account as I have no phone to get yet another code.

    When I look at my BA credit cards online there are no charges. They have terrible customer service and they need to update their verification process. What if the person using the card had stolen my phone. Anyway, that’s why I like Discover, Citi, and American Express. There are definitely other ways to verify. Taking my money out of the bank when I’m back in the US.

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    Reviewed April 25, 2018

    This has got to be the worst bank. They put through items on your account to benefit them! Went to bed last night and everything was ok and woke up to overdraft fees. All items would have went through if they had put them through the way they were purchased! Instead they put items through, so my account was overdrafted twice!!!

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    Bryan increased rating by 3 stars.
    Customer ServiceStaff
    After a positive interaction with Bank of America, Bryan increased their star rating on April 27, 2018.

    Updated review: April 27, 2018

    On 04/27/2018, I received a call from the Sandra, the Branch Manager. She stated she had been able to resolve the issue and would be crediting $100 to my checking account. I very much appreciate B of A's willingness to assist me with the issue, and thus will continue business with them.

    Original Review: April 20, 2018

    On 04/19/2018 at approximately 9:00 AM in the morning, I left my home in order to pay off an auto loan that I had with Vantage West Credit Union. The loan was for a 2011 Honda Pilot, and the balance was $18,923. The payoff was to be done by transferring approximately $11,500 of the debt to a credit account I had with One AZ Credit Union, and paying the remaining $7,423 from my Bank of America account. In order to pay off the loan, I had sold a 1994 Chevrolet K1500 Pickup truck, a 1999 Honda TRX400EX ATV, an FN Herstal FNP-9 Handgun, and a Smith and Wesson M1937 “Brazilian Contract” Revolver, and thus had $4780 in cash that needed to be added to my account.

    I first drove to the Bank Of America Branch located at 1210 S Power Road, Mesa AZ and deposited the cash I had received from the sales into my Bank of America account. It should be noted I did not have a single dollar in cash after making the deposit. I then drove to the nearest Vantage West Credit Union Branch located at 3416 N 24th Ln, Phoenix AZ. Upon speaking to the teller, I was advised I could only charge up to $5,000 a day on each card. Due to the fact that I had driven an hour to complete the transaction, I determined I was going to make sure to complete it before going home.

    I drove to the nearest One AZ Credit Union branch located at 1812 W Monroe St, Phoenix AZ. I spoke to the Teller and asked her if I would be able to receive a cash advance for the $11,500 I needed from One AZ CU. The teller made a phone call and then advised she could, but was not sure if she had the amount of cash on hand and asked if I would be willing to accept a cashier’s check. I told her I was, and she printed a cashier’s check for the amount made out to Vantage West Credit Union.

    I then drove to the nearest Bank of America Branch, located at 4201 S Central Avenue. I spoke to the Teller and asked if I could make a withdrawal for $7,450. The Teller must have become suspicious of some sort of money laundering/fraud scheme because he called a supervisor who asked me about the deposit I had made earlier in the day. I explained to the supervisor that I had made the deposit with the intention of paying part of the Vantage West Credit Union loan off with my card, but was told there was a 5,000 limit on the card and thus needed either cash or a cashier’s check. The supervisor allowed the transaction to take place, and I was given $7,450 in cash. The cash was run through a bill counter in front of me and placed in three different envelopes. I never removed a single bill from any of the three envelopes.

    I went back to Vantage West Credit Union on 24th Ln with the $11,500 cashier’s check and the $7450 cash in envelopes. I spoke to the teller, who first processed the cashier’s check and then took the envelopes to process. After a few minutes, the teller returned, showing me a decrepit $100 bill and stating the bill counter had detected it was counterfeit. She advised her supervisor would have to look at it. The supervisor responded and looked at the bill. The supervisor then advised me the bill appeared counterfeit, and she would have to submit it to the Secret Service for review. She advised me if the Secret Service advised the bill was legitimate, which was rare, I would be credited the money back into an account.

    She advised me she would provide me with a form stating the money had been confiscated. Since I was now $73 short of the amount needed to pay off the loan, I paid the balance with my Bank of America debit card. I paid an additional $10 to have the vehicle title expedited so I could sell it. Vantage West Employee’s advised their system was down and they would not be able to provide me with any paperwork. I advised them I needed some sort of receipt. After waiting for over an hour, they were able to provide me with a screenshotted print of the page they were using to submit the bill.

    I returned to the Bank of America Branch on Central to confront the employees about providing me with a counterfeit bill. I was immediately referred to the Branch Manager, **. ** repeatedly stated the bill counter would have detected if the bill was counterfeit so it could not have come from the branch, and stated her employees had done nothing wrong. I advised her I did not feel her employees had done anything wrong, however I knew for a fact that the counterfeit bill had come from their branch as I did not have any cash with me before entering their branch, and had proceeded from their branch directly to the Vantage West Credit Union branch to pay to the loan off. ** stated she would try to get in contact with some resources and call me.

    At this point it was 2:30 PM, I had been away from home for 5 hours on my day off trying to complete a financial errand, and I was tired and defeated. I drove home. I received voicemail from ** at 5:44 PM providing me with a number to call back. On 04/20/2018 at approximately 9:45 AM, I called the number I was provided. I reached a phone tree. I selected the option to talk to a representative. The phone rang for approximately 30 seconds, stated all of the employees were busy, and hung up on me.

    I have been a Bank of America customer since 2010. I have a 770 credit score. I work in the legal field and thus have an absolutely perfect record, having not even received a traffic ticket since 2011. Because of my profession, I am fully aware that it is my word against the word of the bank, and that there is absolutely no way for me to prove my story. However I personally know for a fact that I received a counterfeit $100 bill from the Bank of America branch at 4201 S Central Avenue, Phoenix Arizona. And after paying off an $18,923 balance on a car loan, I needed the little bit of money remaining in my accounts and couldn’t afford the $100 loss.

    I don’t blame any of the bank employees, if they were going to carefully examine every single bill that came through the bank, they would need to be paid much more and there would need to be many more of them to handle the workload. However one of two things happened: either Bank of America’s “indefectible” bill counter missed a bill, or one of the employees of Vantage West Credit Union “scooped some off the top” by replacing one of the bills I provided them with a counterfeit one. I’m inclined to believe the former occurred. And so, due to the financial loss I have suffered due to a quality control issue at Bank of America, I will be ending all business with them, as will my family members. I understand these sorts of things have happened with other banks, but for me it didn’t happen at any other bank, it happened at Bank of America.

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    Customer ServiceOnline & AppStaff

    Reviewed April 20, 2018

    Been banking with Bank of America for more than 5 years, been pleased with all the aspects of their customer service, they take a good care of me and my family & friends. FYI, I opened Chase accounts and after few months had to close due to bad customer service experience, and then had to deal with Wells-Fargo, and got scammed by their associates so had to close everything. So, since I moved all my banking relationships with Bank of America, I felt secured and with the right alert setup through their app, I get to be on the top of every single tinny process regarding my accounts. Just a humble advice, if you'd manage your finances in the regular and decent way as the majority of bank customers, you'd end-up with free accounts, no fees, and even more and generously rewarded as I do. Truth and nothing but the truth, so help me God.

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    Customer ServiceStaff

    Reviewed April 17, 2018

    I’ve been a long-time customer Bank of America and I was treated like I was a criminal when somebody hacked my account. They have poor customer service skills and don’t know how to treat their longtime customers. It’s very sad that you bank with a company that long and they can treat you so badly like you’re worth nothing and your business means nothing. I’m considering and changing banks and after all this that I went through aggravation and being upset that somebody went in my account I don’t believe I’ll be banking with them anymore. This experience had made me think twice about staying with Bank of America.

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    Customer ServiceStaff

    Reviewed April 17, 2018

    This branch is in American Canyon near Walmart. I withdrew money from the ATM, and I wanted to have a $100 bill. I asked the teller if she can help me, and she said I have to go in line just to help me. Then I approached the, would it be a Branch Manager, that just stands there and staring at depositors, to help me have a change, and for god's sake, she told me that I have to go in line just to change my money. This bank really needs to train their employees, they are really not helping. This bank has a poor customer service. Too much different from Wells Fargo who helps in every way. Maybe you can ask Wells Fargo where they train their employees so you can go there, too. POOR CUSTOMER SERVICE if I may say, in all branches.

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    Customer ServiceStaff

    Reviewed April 16, 2018

    Have had a credit card and checking account with this bank since December, 2017. In that time, of course fraud, atm ate my checks, customer service people need a lot more training. It has taken me approximately 1 month to try to have issues resolved. Your customer service people don’t know what they are talking about and just make things up as they go. When calling customer service, of course, the yank game, never obtaining correct phone numbers, constantly have to request to talk to a manager or supervisor and even at that level am not sure they know what they are talking about. Too much time spent trying to resolve an issue, talking to too many people, having to repeat myself too many times, in my analysis, just as bad as every other banking entity out there. I am getting rid of banks the same way women get rid of men.

    There are so many banks to choose from. We (the people) do not have to put up with or do banking with amateurs, undertrained people, who don’t know what they are doing. In my analysis, we are dealing with nosey, busybody individuals, who just want to know how much money you have and I personally would never take their advice. In finality, BofA is right up there with other banks, their huge corporations are going to go right down the toilet if their employees don’t shape up. Customer service people need more training, they have to understand that the companies they are representing are as huge as they are because of their customers. Good customer service is the platform from which a company will expand, grow or otherwise. Bad customer service, people will bail as I will be doing.

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    Punctuality & Speed

    Reviewed April 16, 2018

    The most unprofessional bank I have had to experience. Made it impossible to deposit money into my mother's account with a check. After waiting in the drive thru 20 minutes @ 11:30am, went through the whole process, verified all my mother's information, and before I confirmed the appointment the teller said I had to go inside the bank to do the transaction, without any explanation. I went inside and waited another 35 minutes, now it's 12pm, 6 people in line 1 teller!! Really during lunch time. I will encourage my mother to change banks ASAP. This location is the most ** unprofessional bank I have seen. I see that I need to stay on my side of town for professional service!

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    PricePunctuality & SpeedStaff

    Reviewed April 14, 2018

    Bank of America has to be the shadiest bank I ever had to deal with. And I worked in Banking for 8 years. They charge you a fee for everything even if that fee overdrafted you. I was trying to get items balanced. I watch this account like a hawk. An overdraft fee posted. But before the item tried post. And the next day the same thing because it was all in pending. I called the bank right away totals were over 140. Not only was I treated like a idiot, I got a lecture. So I paid the fees and have a new account with Ally. No monthly fees. That's what Bank of America did next. I left 1.27 in the account. Checked my balance, and two days later, again 1.27 suddenly I'm overdraw. IT WAS THEIR OWN 12 MAINT FEE THAT OVERDREW the account.

    The monthly maintenance fee how they have it I don't like. But to overdraft my account for a 12 fee. I pushed to get the funds back to plus all the time I had to listen to a lecture about when my statement comes out. Seriously? I'm moving to Ally Bank. No minimum deposit (I have had one dollar in the bank the whole time) and regardless of how much you have you get interest. My dollar has been accruing interest. Bank of America used to be a good bank. At this time someone needs to go in and investigate them. There should have been a buffer or alert to not deduct BOA fees if it overdrafts. Then of all things the rep is asking if I know how the account works and I should know when my statement comes out. Seriously? I have more of a life to keep track of, than my bank statement. After all of the above, I don't trust them at all.

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    Customer ServiceStaff

    Reviewed April 13, 2018

    Loan paid, BofA sent auto loan lien release to NY, not AZ. Asked for copy of lien release and will not send out. Took 45 min on phone, customer service rep horrible support, didn't know what to do, needed to talk to supervisor 3 times.

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    Bank of America Company Information

    Company Name:
    Bank of America
    Company Type:
    Public
    Ticker Symbol:
    BAC
    Year Founded:
    1992
    Address:
    100 North Tryon St
    City:
    Charlotte
    State/Province:
    NC
    Postal Code:
    28255
    Country:
    United States
    Website:
    www.bankofamerica.com