Bank of America Reviews

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

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

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

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

Hello,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I was looking for a new bank to open an extra bank account. The CPA I used to work for banked with BOA so I decided to give them a try. I regret that decision every day of my life now. I had so many problems with them, especially the "young account security." I banked with Chase, I never had one bit of a problem with not being able to use my card for anything, just because it's not a vendor they don't recognize or location outside of my geography in the first 9 months you opened your account. This was a brand new issue.

I've been a customer for 20 plus years, and really not sure why. I was charged $280 in overdraft fees from a "pending authorization" that never cleared. Customer service was not very empathetic. The only thing that made my account negative was the fees they charged. For a bank that was previously sued for predatory charges they sure have not seemed to change their tune.

I had a terrible experience today finding out how this bank works and how insensitive and money hungry they can be. I made a courtesy call the morning of my due payment date to let them known I was having a financial hardship, that I couldn’t make the minimum payment but gave them an exact date when I could pay it, which was about a week, which would be when I got paid. I just called to make the payment and asked them if they could please remove the late fee if any due to the unfortunate circumstances that life sometimes life gives. And the kid asked me what my hardship was, if I didn’t mind him asking - as if it’s any of their business!!! I’d understand if I called after the due date to notify them I’d be late but NO I CALLED that same day!

Updated on 06/17/2019: Bank of America is a Racist Bank. Hi, my name is Mohammed **, and I am a client of Bank of America for a good number of years now. I just finished medical school and about to start my residency in medicine. For my move to a new state, I was supposed to receive a wire transfer that bank of America has been holding for over 10 days now. I am writing to let you know that this bank is a racist bank, especially the wire transfer department that has been holding my money for over 10 days now without releasing for lame reasons that they wouldn't tell you as if it was a military secret. From the sender's bank that informed them that they needed their middle initial, even though the sender bank did, in fact, respond with the information, BOA would still not release the funds.

Deposited a regular check with ATM and they held it for 10 days. Customer service is horrible and do nothing to remedy problem. If you need your money right away, they don't care. Absolutely horrible.

Allowed a company to charge my EXPIRED card for a fraudulent subscription after it was canceled. So I cancel all my BOA cards that I used at 5-15K per month. Have a nice day BOA. For $168.00 you lost a 25 year customer.

Very bad experience in Bay area & Sacramento by BofA lady Marie. Signed up and paid fees for a year. Lost $800. Even account was told it's Free. Never got $500 credit either. Lame excuses. Liars. 2nd time, when contacted Mary, she said nothing she could do. Never ever trust them.

They charge ridiculous fees for everything and if you ask why they will throw rocks at you. Never answer the phone and give you the runaround about everything. Closing my accounts with them. I paid more money in fees than I even had in any of my accounts while with them. I don't usually write reviews but they are the worse institution in the world.

I have had an account with BOA and its predecessors for 38 years. Bank of America suspended my account because they said they sent a letter to my son who is on my account to update his information supposedly mandated by the Federal Government. My son never received the letter. Bank of America never contacted me. This caused 4 of my credit card payments and an insurance payment to be returned. This action by BOA has hurt my excellent credit. I will not forgive and forget.

This bank is trash!! Don’t believe the lies. They are still the same POS they were years ago with charging the unnecessary fees and not telling you how they work until after the fact the. Acting like they can’t help you with fake stipulations. I went back last year and have had nothing but back to back issues and no help, constantly being told different or pieces of information instead of the full detail about how things work with the fees. I spoke with Amanda a manager with customer service and she was zero help and went on about stipulations and telling me she could tell me more about fees when that’s the same thing other rep told me and it was not all the information. Every time I call it’s something different. I’m closing my account. I HATE THIS BANK!!! Y’all are liars and scheming and really out here getting people for their money. Just trash and soon y’all will be in the hole just like Wells Fargo snake **. I wouldn’t even give one star.

I wish I could give -1 to Bank of America and it’s associates answering phone calls and branch employees! I have requested credit increase 2 times and have been declined 2 times. With excellent credit and income of 100k+!!! This is a joke! My checks are always on hold, this time it went overboard and they put hold for 12 days! Same check that comes 2 a month. People are rude! Seems like they discriminate people based on appearance! Applied for Chase bank, instantly approved for 10k in cc. Closing all my accounts with Bank of America. 10 years they used my money and couldn’t increase my credit line from 500$ to 2k. Joke!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here is why I left Bank of America years ago:

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

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

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

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

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

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