Bank of America Reviews

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 I have tried on three occasions to have a payment withdrawn over the last three months.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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

This is the bank that holds my check for 2 weeks in Christmas and New Year time with no reason. Because they need money for themselves and they have right to keep your money. That is one of the ridiculous bank. I will close my accounts right after my funds available... Interesting part is, the check that I deposit from my different business account to other one and Bank Of America said they dont get money since check withdraw from my other account. You guys are ridiculous... I have been your customer for 7 years and how you guys treat your clients...

I’ve had a credit rating of 825 for the past 10 years and never a single late payment in all that time. Last year I decided to apply for Alaska Airlines BOA credit card for the perks of airfare and mileage. I downloaded the app but was unable to view my transaction detail online nor did I receive billing statements. BOA wanted me to link my Wells Fargo account to the credit card and I declined for security reasons. I was unable to set up an immediate transfer as I pay my credit cards in full every month.

This is the worst service ever. Completely helpless when they placed a hold in my deposits for over 48hrs not notifying me. This took place over Christmas weekend, I will never bank with them and will advise you stay clear from this crooks.

Is there an option for zero stars? I've had the customer service experience from hell. My existing claim for a disputed CC charge for $3000 was reversed not in my favor. The reason being was I did not respond by the deadline to keep the dispute open. I received a notification letter to respond to the dispute to keep the case open by a date (Dec 13). The notification letter arrived Dec 18th. 5 days after the deadline to respond had passed. There was no option to respond in time. There was no email, no phone call, no message in my online banking with BofA, not even an app alert in my BofA App. Just one late letter that arrived the same day as the letter saying my dispute was wrongfully settled. The $3000 charge that was reapplied to my statement has left me unable to purchase anything before Christmas.

If the lower than 1 star was available, that is what they would gotten. I never write reviews but this experience was so bad I wanted to share it with others. Bank of America has been my sole bank since 1999. There have been issues in the past but the one this week is the one sending me to do my banking elsewhere. Saturday December 15th I deposited a check on the mobile app. BIG MISTAKE. It showed accepted on Saturday but on Monday I showed I had a low checking balance which would have been impossible with the deposit. I went online and discovered they were holding the check for almost 2 weeks, December 27th. I called on Monday and was told it was a suspicious check and could not checked until the image from the deposit was available and I was asked to call back Tuesday.

Today was a very awful experience with Bank Of America at 250 E. Bearss Ave Tampa, FL 33613 with the Vice President **. He refused to provided customer service and they have proud on what they do and they can only as a "customer service" which makes a very bad impression because to top it all, it really sucks! I arrived to the Bank at 3:05 pm to send a wire but he said that there were two appts before me so for that reason it will not be possible to do so. I drove by another BOA on Fowler. Arrived at 3:35 pm. They were 20 times more busy than the one on Bearss.

Terrible Experience. Have been with Bank of America for 23 years. We had a customer to come in and purchase $8000, which we called to verify with the credit card processing company, and their response was that the card was good. Fast forward 3 days and there was a hold put on our account. All funds were held and we were not notified. Very poor customer service! We still cannot get a hold of anyone, we have left 20 messages within 2 days and they still have not answered any questions that we have. They told us all was well. We find out after having our account frozen that all was not well, and they waited for 7 days to contact us by MAIL!!! Small Business Run from this company!!!

I have been with BofA for 23 years, I have been frauded out of 33,000.00 in appliance sales. This merchant services has been TERRIBLE to work with, I have spent over 75 hours asking for questions to be answered, NOTHING. I called the security review department and left over 23 phone messages for their department, no phone call back. SMALL BUSINESS OWNERS STAY AWAY FROM THIS MERCHANT SERVICES COMPANY. They will not stand behind you. 23 years and not one problem and this happens and they will not even talk to me. They say, "Go get your attorney."

Bank of America cannot handle online banking. My business account was blocked temporary due to suspicious activity. After clearing it, the fraud department could not lift the block. Spent many hours and visits to the bank in a month and after lots of activity they admit that they cannot remove the block and they need to open a new account. I am going to open a new account, but in a different bank. Looks like there not a selection to rate experience below 1 star...

I have noticed suspicious banking practices for a long time now with Bank of America. I would love to do a study on transactions to prove their deceptive practices and start a class action lawsuit. They sit on funds for extended periods, they take advantage of people living paycheck to paycheck and rig the timing of items clearing your account to lead you to being withdrawn with [multiple] $35 charges. I had plenty of funds to cover my car payment, which showed as PAID on their website, but it didn't reflect on my checking account for several days which led me to being overdrawn.

If you want a continuum of disrespect and frustration, this IS your bank. I have been with them for 19 years and am pulling the balance of my Wealth Management funds. Massive menus, ridiculously long hold times, "inadvertent" hangups, NO accountability, no call-back possibility. Try asking for a manager and you are put on hold until you dry out and cannot hold anymore. Nice MO, BofA! Save yourself frustration… STAY AWAY FROM THEM!!!

I had the unfortunate experience of speaking with Tracy ** on the Bank of America customer service line. When I tried to explain to her why my account should not have been overdrawn and then had accrued an overdraft fee, she rudely began to speak over me telling me how I had already agreed to all of the terms when signing up for the account. Well clearly they had not explained it well enough when I signed up, but she did not seem to care and she had actually insinuated that I was not intelligent for not originally understanding the terms of service. I am completely appalled at the way Tracy ** felt that she could talk to me and I never will have another bank account with Bank of America again!

I have been with Bank of America for over 5 years. Their customer service was generally very poor with the occasional exception. I put up with this since I didn't have to contact them too often. Last week, they unexpectedly closed my checking account. I had always kept a moderate balance so this couldn't be the issue. I've also never engaged in shady activity. Calling their customer services was utterly unhelpful. They would only tell me that "Bank of America reserves the right to close accounts" and "Bank of America can refuse to cite the reason for this decision" and "Bank of America's decision on this matter will not be reversed." No reason and no option for appeal. Unbelievable. Others who have also had the misfortune of experiencing this can attest to how infuriating this is.

I contacted Bank of America regarding a credit card I had set up through their bill pay center. It has not been going through as all of the other cards have been that I set up through their bill pay system. No one could tell me why it didn't go through!!! All I wanted to know was what I needed to do to correct this!

Absolutely no clearance procedures for fraudulent checks. Will deposit anything in 0 time, will show money as available and after you already paid out of your own funds they will tell you that check bounced back. Miserable bank.

Check this out! I go to the casino. I tried withdrawing money from my account and my card gets declined. I try again and I'm not sure why my card is declined again. I called the bank and they told me that they needed to increase a limit so I can actually use my card at the non Bank of America ATM (Which makes no sense), but that everything was back to normal and I may use my card now. I go back the ATM thinking everything is fine now, my card gets declined again. I try again thinking I might've not giving enough time to process again declined. I call them back. Takes them about 30 minutes to answer. I tell them the situation again, they assure me that the problem is fixed. I go back to the ATM again. My card is declined. Tried again this time finally my card works. Everything is good until the next day I see eleven charges for $2.50 from BANK OF AMERICA for using the ATM 11 charges.

Deposited a check in my BofA checking account Dec 8, BofA will NOT release it until Dec 19. 11 days! Btw, the funds have already been deducted from my other account, meaning BofA has the money, they are choosing to sit on it for 11 days. In the past BofA held a check for 1 or 2 days. I've been a customer since 1994 have great credit, 2 BofA credit cards, no overdrafts, no late payments, etc. Called BofA 3 times! Spoke to supervisors Jasmine in Alabama was particularly unhelpful. I've never been treated like this by BofA but have heard many stories from others. Only thing I can do is close all my BofA accounts.

Over the past few years, I have had both preferred rewards and non-preferred rewards status. When I was PR they would do everything: return fees, expedite deposits, etc. Now that I am not PR they won't do crap. Today 12/12 I called in about a check deposit and they told me it would take a day to go through even though under $200 they generally give a courtesy credit. The Customer Service Agent told me that they do not do that and that it has to process. THIS IS VERY NOT TRUE. I told her I knew what I was saying and referenced internal policies I know. She eventually admitted that they take your balance into account when giving levels of service. Unbelievable. WORST BANK EVER.

I just got off the phone with rep name Paul, phone call took overall 15 mins and service from Paul about 7 mins. Originally I called through the Spanish line and there was no available representative to be able to assist me... I get transfer to the English line and encounter Paul. Paul was disrespectful, he interrupted me over 5 times in the middle of expressing my concerns. Did not let me finish any sentence without interruption. Rep started breathing hard making me aware that I was annoying him and basically I was a bother to him. He should definitely receive some training in applying Active Listening within his calls. I work as a CSV Rep myself and NEVER interrupt any of my customers. He was beyond rude and gave me a very hard time when I was told by another Rep (Spanish rep earlier today) that I didn't need to do what Paul was demanding out of me. He should really be fire. RUDEST PERSON I HAVE ENCOUNTER.

In October 2018 I received an envelope in the postal mail from Bank of America about an annual notice for a prepaid debit card that had been sent to me this past year. I don't have any. Customer service, Justin, could not locate anything under my Social Security number so nothing could be done to find out where this card is and who sent it. It included a copy of their privacy notice. Here we are facing Christmas and I never received any Bank of America prepaid debit card.

Miscommunication between departments. These people are idiot, and useless. After so many years (6 years) working with them, they had zero respect for me. In August they asked for my driver's license info, and I went to bank personally to give them my new driver's license. After a week they closed my checking, and my car payment was returned and I had to pay fees for that, and I called them and asked why is that happening, they said they have not received my driver's license. I told them that they are stupid, and how come the banking center did not send them the driver's license. They said they are sorry and asked me to send it again by email. Then after 4 month, I realized they also closed my credit card because the credit department did not communicate with the rest of freaking B of A to get my driver's license.

Bank of America! My sister sent me a cashier's check for taking care of her cats while she was away so I went to the Bank of America on Dickson Street to cash it because it was drawn from the Bank of America. Apparently after standing in line for ten minutes I was informed that the branch manager would have to cash it for me because the tellers could not cash it. Well the Manager Willie ** told me I would have to wait until he was done eating his lunch. So I waited until he was done eating (about 25 mins) and asked him if he could cash the check. And he told me he was busy with something else and that I could wait or go to my own bank and cash the check! So I went back out to the lobby and about 15 minutes later the Manager Willie ** came out to the lobby and told me that it's not that I can't cash that check it's I don't want to! Go to your own bank!

This bank sucks. They are thieves and took 85 dollars from my bank account. They charge 25 dollars every month. That's 300 a year that they make off people with low or medium incomes. I called the bank asking about the 85 dollars and could not figure out what I was talking about.

I recently opened a Bank of America account and deposited a insurance check. Seemed like would be ok. Well then I received another check. I used their very flawed teller assist to deposit 41000 check. They told me I would have access to a portion of my funds 2 days later. Well upon depositing my check I got a receipt out of machine starting I would not have access to any of my funds for 10 days... Very crooked when US Bank said just call they would order the money and in a couple of days I could come in and get the cash.

After the lobby wench harassed me to open an account, we spent an hour setting things up. 3 days later I had received an email stating my balance was below $25.00 which was not correct. I logged into the app to see a debit in the amount of -$888,888.83 which tied up the initial cash deposit that was made to open the account. I am informed that this is their code for fraud. Strangely enough there have been zero transactions on the account.

I am beyond disgusted with this bank. I have a checking and savings account with them. I usually kept the minimum in the savings account just to keep the account open which I believe was $25. I just checked my savings account and noticed all these fees for the last few months. They said they raised the minimum to $500. I was outraged by this and they said I wasn't notified and they said it was in my statement. Honestly, do people read their statements Bank of America!! People should at the very least receive an e-mail alerting them that they have raised the minimum. Talk about sneaky and underhand!!! Millions of customers are oblivious to this and Bank of America is literally ripping them off. I asked them to refund my money and they only refunded 3 months worth of fees.

I have had these accounts for 30 years now (going back to the old Barnett Bank days). Periodically I deposit large Cashier's Checks when moving CDs from 1 bank to another and there has never been a problem until this week. I deposited a large check expecting next day availability since it was a Cashier's Check drawn on another large bank. Having worked in the banking industry, I know for a FACT that these checks clear electronically overnight and the actual paper check gets scanned & never gets physically 'presented'.

I am a US citizen living overseas and have maintained two checking accounts at BofA for fifteen years. Not long ago, a large sum of money from the sale of a house in China entered the account. We bought a new house in California, and I later wrote a large check on BofA to our private bank, as that account allowed larger sums of money to be wired through online banking versus the $5,000 that BofA allowed me. The large transactions brought up some questions, and they wrote me asking for more information about my identity, US citizenship and line of business. I provided all the information and sent it back.

We had one of our cards cloned somehow. Somebody did 8 withdrawals from an ATM in Pasadena. Although we got a temporary credit back, all of a sudden, these amounts posted back into our account. Before they posted, they appeared “processing” for days. Of course this overdraft us and obviously, we got charged $35 per overdraft fees. $400 someone stole from our account plus $35 per transaction ($245 total). Their claims department also deemed that these withdrawals of money were accurate. So basically, they royally screwed us. ON TOP OF THAT, because of all this none sense, they didn’t honor my electronic payment of my rent, which additionally put us in the crapper with our landlord. This POS institution can go to hell for all I care. DO NOT BANK WITH THEM!

I had a checking account with Bank of America. I moved to Salt Lake City because of job change and wanted to sell my stuff. Someone contacted me in response to my add and I sold the stuff. Because I had moved to Salt Lake city she sent me a cheque. I deposited and it came through as counterfeit. I informed this whole thing to bank along with the documents and contact details and our conversation. Bank of America closed my accounts and reported to ChexSystems when it was not at all my fault. They were rude and very unsupportive. I should have never banked with them. Would advise everyone never do banking with them.

BOA is the biggest Rip off Bank for Consumers. They spend all of their time coming up with ways to charge more fees. Now they send images of your checks and then charge you a Service for doing it. The customer, like myself never signed up for this Service. It is just one more example where the BOA will rip you off at every chance that they can. I had to call BOA and first find out what this Service charge was for and then I had to cancel this unauthorized Service. What a RIP OFF Bank BOA is.

One day I had money, the next day I was overdrawn. I had no way to anticipate the possibility that my money would be sequestered the way it has been. Because I erroneously deposited a check twice using their shoddy mobile app (I don't care what JD Powers says) I deposited a check. I didn’t get any confirmation that it went through and it being my first time using the service, it appeared as though it didn’t work. I came back to the ATM the following day and physically deposited the check. I made charges using the Google Play app but this was too unusual. These activities caused the bank to basically freeze and overdraw my account – without explanation.

Bank of America is a racist establishment. Being ** filing a claim instead of being a victim you automatically become the suspect. I went to atm and I tried to do a withdraw $180. My money didn't come out so I walked in the bank teller to withdraw money and said that I just did an atm withdrawal from the atm. I told him nothing came out and he stated that the power went out for a slight second and to get my money back I have to file a claim, so I did and they told me I have to wait to the 14th of Dec to receive my cash back. Because I had claims before. It's not my problem that ** do shady **! People. Now I'm the one in question when their atm robbed me. ** BofA.

Use auto bill pay to pay constant accounts. Had bill pay set to make payments on the second of each month. For first time the system made a payment on the end of the month previous month instead of the second due to fact that second was a Sunday. In pass system had made this payment on the third, this time made payment on the Friday before causing 105.00 in bounce service fees. I have called and talked with service reps four times and tried to contact a supervisor and all they keep saying is system operated correctly. Not a true fact system just started operating this way. Did not get a call back from supervisor that I had asked for.

I've been on hold for over 1.5 hours trying to ask someone why they are blocking online purchases despite the fact that my account is up to date and has thousands of dollars available credit. Not the first time they've blocked online charges for no reason and left me wasting time on hold forever when I called to find out why.

This is the 1st review I have ever written. Before the middle of Nov., I applied a Bank of America credit card online in order to shop for Thanksgivings. I did not receive the card and there were fraud transactions with the card. When I called the customer service hotline 1-800-421-2110 on different days, two times needed to hold over 15-20 minutes. One time even took over 1 hour and 45 min. So I just hung up and think I should write a review with my experience. I cannot believe this kind of poor customer service will happen with an American major bank. On Nov.19, when I called the bank to report that I had never received the card, I was told that they would investigate the fraud case and re-send me a new card. However, as of Dec.1, I still did not receive any of the BOA credit card.

If I had the option to leave zero stars I would. Do not bank here if you want peace of mind you have access to your money. This bank is holding a PAYROLL check for 8 DAYS. I work for a larger company and I’ve also deposited several paychecks already. This is not a new check and I am not a new customer. I made an ATM deposit with the check and some cash on 11/27. I then proceeded to pay my bills given that our deposit slips indicate that there is an available balance right away but purchases will be covered from that date with full funds available the next day. This is totally normal and not a big deal. I paid my bills as I always do within the available balance, but I always make sure not to include the small amount they hold. I log in later the following day to find my account is in the negative.

I have had 6 blocked purchases with no explanation as to why. I recently learned that they expect you to download their app and turn on location tracking so they know where you are 24/7. A total invasion of privacy and the only credit card asking the user to do this without blocking each purchase.

I have been with B of A for many years and run hundreds of thousands of dollars through my accounts. I have noticed in the last year or two that the customer service is going downhill and fast. Today I moving money via check from US Bank to B of A. It was a large sum, so I spoke with the manager at US Bank on how to best accomplish this without a hold on the funds. He told me to have the manager at B of A call him when I presented the check to see if he could help authorize the funds faster than usual. The bank are across the street from each other and the managers know each other.

Why, why, why doesn’t BOA care about customer service? This Branch on Forest in Dallas constantly closes the motor bank, so here I am on a Friday once again standing in line for 30 minutes, only because I have to make this commercial deposit. I dropped this bank (BOA) along time ago as a personal bank, but now I have to come here because my job uses this bank. You would think they would have more than two tellers working, it’s Friday for God’s sake! Why is the motor bank closed down so much? What is wrong with BOA? I know BOA makes tons of money. After all they love to steal your house from you, remember 2008???? So get branches in building that have working motor banks would you? Sometimes I show up here and the whole branch is not open, during the week during what is supposed to be open hours. I hate BOA!!! Yeah, who doesn’t right? Wouldn’t give even one star if there was a choice.

I'm a Preferred customer with BoA and in the past when there is a fraudulent charge on your account they would take the hold of your money. This is no longer the case. If there is a fraudulent charge they will hold that money until the matter is cleared up. They did not info customers of this change in policies.

On 9/18/2018 I was a victim of fraud where money was transferred from my savings to checking, daily limit increased and then the thief went on a $6500 shopping spree. All these transactions occurred while I was in the BofA branch 600 miles away claiming something was fishy with my account as I received an email confirmation the money transfer I never made. BofA states I made these transfers from my cell phone via call to an agent yet my phone records from my carrier prove I never called them. BofA has denied my claim and I am seeking legal advice.

I am absolutely disappointed with the fact that Bank of America wasted an hour and a half of my time in their office, not to mention the 40 minute drive to visit the location. We spent a long time trying to simply set up a secured credit card for my wife, but was told that cash and debit card was all of the sudden not good enough to pay the deposit, though it was said in the beginning of the conversation that cash or debit card is fine. I was then told that I had to provide my routing and account number because that was the only method of payment the system would accept for some reason. THEN, after me spending 10 minutes to get that info and giving it to Chase, I was told that that is also not going to work; now they wanted a paper check and that it was the only thing they would take.

Bank of America is the worst. They hold your deposits for no reason for a long time so they can make money in interest they earn with your money, while the funds are already available for them, the customer can not get the money for 2 weeks. Horrible practice and customer service.

I've been with this bank for over 16 years. The experiences I received today is by far the worse and the fees for being a customer continue to rise. I have 3 accounts with this bank and if you do not make a deposit in your account for over $250 despite plenty commas in your other account they will still charge a monthly maintenance fee crazy. I want to close my accounts and instead of the rep trying to convince a long time customer to stay they would rather close out the account. So sad these banks isn't worth 2 cents anymore. Come out better saving your money in your own safe box...

BoA charged on my account for the sake of their system Issue... I wasted my one hour for talking on that it with customer service... Even he is agreed to the issue but he said nothing he can do about it... It's Scam.

I've been a loyal customer of Bank of America for over 25 years, but that does not mean anything to Bank of America (BoA). The recent levy of $12/month maintenance fee only serves the profit making purpose of Bank of America unilaterally. Not long ago the American Taxpayer bailed them out by giving BoA over 60 BILLION dollars, GAVE them away. So, if BoA screws up, it's their customers who end up being screwed; and now look at the quality of customer service! Walk into any BoA branch, with only one cashier servicing long lines.

Have tried to do business with Bank of America several times; it would take a couple of hours to describe how bad it has been. Do yourself a favor and bank at your local credit union or find a CU to join.

After many years with Bank of America and ongoing issues with fees, they finally pushed me over the edge with a $12/month account maintenance fee that started in 2018. I had an eBanking account for many years and was told that they discontinued that type of account and now I need to pay the maintenance fee for the new account. That is ludicrous, I never asked to be in this new account and I personally believe there should've been a grandfathering. Unfortunately, I didn't realize I was being hit with fees over an 8 month period and they would not refund the fees. I closed my account today because I no longer feel this bank provides a quality service to their customers.

My daughter was out of the country and was being charged 3% fees for each purchase on her card. She couldn’t use the debit card in an ATM to get money because there wasn’t an affiliate bank in the country. Her deposit was late going through and she had 24 transaction fees go through causing her to have 24 overdraft fees accumulating to $870.

Don't like to complain a lot on here but just be careful when applying for credit cards. Bank of America does not do good business and they don't care about their customers. At the end of October, I applied for a card with 15 months 0% APR and $0 balance transfer fee that ended up being 18 months 0% APR and 3% balance transfer fee. They're saying I selected a different offer when requesting the transfer, all done online. They've been awful to me ever since. All avenues have been exhausted except sending in a letter to some address that I expect to be tossed in the trash. Taught me a lesson to stick to the bigger, better companies who don't want to lose a customer over something as silly as this.

I lost my card and someone use my card. Bank of America refuse to refund my money back. This is the worse Bank. Don't ever go to this bank. I never had this problem with other banks. If this matter is not fix I'm contacting their corporate office and suing. This is not how they suppose to treat their customers.

I had 2 negative entries 13 years ago show up on my credit report, both were legitimate, I admit. I have been trying for over 2 years to have Bank of America remove the entries because they are long overdue to remove according to the FTC website **.

Late July after closing on a second home I contacted BOA to start the HELOC loan process to refinance a variable rate loan I have on my primary residence. After several weeks of ongoing requests for information they finally moved on to the appraisal stage. First appraisal scheduled by the bank as a drive by never happened. Apparently could not find my house. After another week's delay second was scheduled. Eventually second occurred and loan agent called to let me know loan package was with underwriters.

I have been with BOA for a little over a year. I have two business accounts with this bank with merchant services for credit card transactions. In that time I have had a number of questionable holds put on my deposits. Usually the payments I deposit clear within 3-4 days. However, I deposited a payment "check" into my account last Friday, and on Monday I check my account to find that BOA had put a TWO WEEK HOLD on this payment. I go to three different branches to get clarity on the reason why this bank chooses to withhold my payments for services rendered. I got ZERO answers! This by the way is in the MB SC area.

I have never experience something like this. I went to open an account and after I waited an hour everything was ready and the lady (July) said the bank close the account and is nothing to do to go to other bank. It was in MacArthur road Whitehall PA.

I have been a Bank of America customer for eight years and never had a negative experience until now. I identified several unauthorized/fraudulent transactions when reviewing my financial information in late October. I called Bank of America immediately and had my credit card replaced. Bank of America put a temporary credit to my account. Bank of America reversed the temporary credit on November 16, 2018. The electronic letter sent indicates that Bank of America reversed the temporary credit after determining that statements were mailed and payments were made.

Customer since 2003 with several accounts and one account “could have gone negative by $1.70” so they charged me $35 and refused to refund it even as a courtesy stating it’s bank policy. Account never went negative. I’ll be transferring my account.

I have a lot of money with BOA. I am pulling it out tomorrow. They keep locking up my debit card without allowing me to confirm my purchases via email or text. Forcing me to call the number and stay on hold for hours. They owe me thousands in time they have stolen. Money will be taken out tomorrow. I HATE BOA!!!

Bank of America closed my credit card for lack of activity. 4500 dollar limit and a zero balance. It was closed because I didn’t spend “enough”. This company is a bad joke and is going to negatively affect my credit for closing a zero balance card paid on time. They’re disgusting.

I have been a B of A customer for way over 20 years. My wallet was stolen and they refuse to pay me back the $243.00 that the person took out of the ATM even though there are 2 videos of the person that stole it. One at the grocery store and the other at the ATM. Reason? They said I authorized it!!! I am leaving B of A as they are crooks.

I went to Bank of America this evening to deposit & get cash from a check. Teller advises me to put it in the ATM & take out what I need in cash & deposit the rest. SURPRISE! Now facing a TWELVE DAY HOLD. SO UPSET.

This business traps people into making poor financial decision and makes it impossible to correctly pay so that they can mound up fees. They have terrible customer service, policies, website and app. There is nothing good about BOA. Literally nothing. Not even the free money they gave me for signing up is worth the constant frustration bordering on nausea.

My computer was blocked by a so-called company and to get it unblocked I had to call this number that they had on the screen. I did this and they wanted $319.99 to unblock it. Which I did, they had problems trying to get my computer working. I asked for a refund which they wouldn't do. After a period of time and they couldn't fix my computer. They even lost all my emails which they couldn't get back. I then called Microsoft and they told me to call the Federal Trade Commission which I did and Microsoft proceeded to fix my computer in a few hours and even got my emails back.

I applied for a Bank of America credit card in 1996 and received it promptly, then began using it. All went well for more than 20 years of sporadic use and always -prompt payment. In the summer of 2018, I received a letter demanding information about myself, my wife (who had her own card), and our professions and sources of income. BoA demanded to know if I had citizenship in both USA and another country. If so, which country? BoA insisted on knowing my wife's date of birth.

Bank of America is definitely one of the worst banks out there. They charged me 35 dollars in overdraft fees although my account was never overdrawn. Their new practice is charging you ridiculous high fees but never actually overdrawing your account so that you end up paying fees to both Bank of America and the merchant. I put money in my account right away but still they refused to reimburse me the 35 dollar fee. They are just a bunch of crooks. I will close my account with them as soon as I can pay down my credit card debt.

Long story short, I'm in the military, my money went to a nonexistent account with Bank of America. I've been told three different stories as to where that money went. Bank of America is calling itself a liar every time I call. I can't speak to anyone who knows what's happening at Bank of America. I'm sick of being lied to, and I'm sick of hearing apologies.

Bank of America has screwed me several times with their $35 return fees. I am very diligent to ensure I have deposits coming in to clear any payments that go out. They have let payments clear before deposits clear more times than I can count so they can charge me. I had a deposit clear at midnight and issued a check that would clear the same night with the deposit. They allowed the check to clear before the deposit and charged me a $70 fee. This is not the first time they have manipulated what clears first in order to charge fees even when the funds are there.

Bank of America has come up with a new way to rob me of money. Here's how it goes. I deposit a check that should clear the next business day or funds will be available to cover any debits that come in the next day. Well it becomes available and items are paid the day they come in and money is available. Then all of a sudden the funds from the check are made not available and the paid items are reversed causing your items to bounce and anything else in my case account becomes negative. Stuff bounces and they charge overdraft fees when the money was clearly made available. This has happened a few times. The first time they corrected it. This time they have not. I'm going to report them and close my account with them.

I wrote a check for $30.00 (clearly written out for thirty dollars) and Bank of America posted it for $50.00. When I spoke to the claims department and customer service, I was told that I would have to wait for them to review my claim and then wait another 5 to 10 business days to have the money returned into my account. I do not understand why I would have to wait for the money to be returned to my account when it clearly was Bank of America's mistake. I have banked with them for over 30 years and have NEVER had an experience like I did this morning.

First off it already started off bad when I got them (should have been a red flag). They didn't tell me the PIN and card are sent separately. I confirmed that this is not stated anywhere on their website, email or even on the mail itself. I called and the rep confirmed this and also said he got quite a few calls about this so they know it's an issue but still haven't fixed it. The second major thing is they are impossible to get a hold of! It's a 30 min wait to speak to someone and there is no way to chat with an agent online anywhere or email them. It's ridiculous. I was trying to dispute a charge that was taken out of $300 and they said you can do it on a desktop. I spent so much time on the desktop and app and nowhere did I find this and I couldn't even get in touch with anyone to help.

I was first married at age 18 and we opened a checking account with B of A. My last name was ** then, and the bank confused us with another ** family. They returned a month's worth of checks and charged us overdraft fees we couldn't afford. We left B of A without ever receiving help with their mistake. Older and theoretically wiser, later in my life, I had a B of A credit card. My credit was perfect. But B of A once again confused me with another woman (I had a different last name this time) and I ended up with seven hundred dollars in bank charges that weren't mine. This time I fought the mess, and I still lost money.

I order a Online Bill Payment from my Bank of America account, supplying the address of the vendor, and BA decided instead to send an ACH payment, to an account that the vendor acknowledges not owning. So 4 weeks after the funds were credited from my account, the vendor has not yet been paid AND BANK OF AMERICA REFUSES TO RETURN MY MONEY. We sure need federal legislation that protects us consumers from this type of malfeasance from our financial institutions. I may have to take BA to court over this (after I close my account, of course).

My bill pays scheduled on the first - there can be small variances based on the day of the week - however in November. All of my bills scheduled for the first ended up clearing on the 8th - I should have been checking my account. However I thought the bills cleared in the first few days. So I went overdrawn by an amount under $10 and charged a $35 fee. This appears deliberate and predatory in my opinion. If it is happening to me it probably is happening to others as well. No too pleased.

Spoke with a trained sales person who promised to stay with the transaction; zero response to voicemail and email after processing the application. The rest of the process is more horrid. Inept and totally unresponsive loan processor. I wondered if she works 10 hours a week. No response to vm and no email. Her manager was even worse. He was happy for me to withdrawn my application at the first complaint. Bank of America - the stuff at the bottom smells because the leadership stinks at the top of this group. The entire group should take classes in customer care or learn a few lessons from Amazon.

On 11/2 someone in another country got access to my bank account and withdrew my money while I was in my home state of AR and now the bank is making me fight tooth and nail to get my money back! I offered the day I put the claim in to send proof I was at work and I even went into my local branch that day and made a withdrawal by counter as I had closed out my debit card due to the fraud. They assured me I would have my money in 2 business days and now 5 business days later they are saying they are still researching the issue!!! What is there to research? It is shown very clearly that I wasnt in Mexico!!

In May 2018, I opened a BofA business checking and merchant services account, in part 'cause the bank rep told me we would qualify for a $300 credit if we did one of 3 things, such as $5000 in deposits within 60 days, and a $200 credit if we did $1000 thru merchant services. She showed me printed literature, but did not allow me to take it with me. I knew I would meet the $5000 deposit requirement easily, and did, soon after opening the account. The merchant services qualification process was ridiculously onerous, so I discontinued that and kept on using Square, PayPal, Stripe, etc. After the 60 days passed and no deposit of $300, I called to find out the status. A rep investigated and said we had qualified, but BofA might take until Nov 1 to apply the credit.

I have been with Bank of America over 25 years and they continue to change the rules and find ways to implement maintenance fees on the account. I had eline account that they switched to a core checking account. Once it was changed over then if incurred a maintenance fee of $12 a month unless there was a daily balance of $1,500 dollars in the account or a direct deposit of $500 a month. This was not intended to be a checking account. Just a place I could utilized as a PayPal account.

I consider myself a very loyal consumer. I weigh the good and the bad, and usually blame myself for issues. I was a personal client, so opened my new business accounts there. Bad, bad idea. They hold your money hostage and couldn’t care less that they are ruining your business and credit. For example, I would deposit a check for $20,000. I’d get a deposit slip that said it would clear in three days. Then on the third day, they’d list that it would credit in another ten days. No one can say why, and one person even told me to call my client and see if it had cleared their bank. In that case, it was transferred three minutes after the deposit was made. Still, I didn’t receive money until the ten days had lapsed.

I got my fixed rate mortgage from them in 2016 - the monthly rate was $530.00 - they have raised the rate twice now to $774.00 a month. When I questioned them they told me this was due to an "error" they made when I bought the house but I HAVE TO PAY THE HIGHER RATE NOW - SERIOUSLY? WTF?

I recently received a $12.00 refund check from Bank of America. I closed this account about a year ago. The accompanying paperwork said, “During a recent review, we found you may have been charged one or more fees in error.” I can’t find any information on the internet about this and wanted to know if anyone has information about this? I don’t feel comfortable cashing this check because I don’t know what happened, what the charges were, or how many charges were levied “in error”. Any help is appreciated.

In 2017 I mailed a property tax check on April 10th. Came back home and decided to log in to BOA account to transfer 6500 from savings to checking. As I did that I came to know I can't do it myself because my account is inactive (no activity for 2 years). This was shocker for me because I NEVER received any such letter from BOA. What an irresponsible bank!! I have bank accounts in 10 different banks and if I had no activity for 2 years I DO GET A MAIL to take an action.

Recently purchased an item using BOFA cc. I have been a client for over 35 yrs. Item was delivered in bad condition so I had company issue a refund to my cc. I had already paid off my cc so the balance was 0 and I had a positive balance on my cc. I called BOFA CS who assured me I could move the positive balance from my BOFA cc to checking account which I did. However, they never mentioned that they would charge me a fee to access my own money. Will stop using my BOFA cc and will begin to look for a new bank. BOFA are a bunch of thieves and their CS is atrocious.

Credit card payments had come out of my account days after I had paid them putting me overdrawn. After that they let two more payments come out and charged $35 fee per overdraw. I called. Spoke to a few people one supervisor. I have no issue paying maybe one fee but they refused to knock off others. The total in fees was double what I had overdrawn putting fees alone at $105. Never in my life has a bank not helped out with that, life happens, timing can be wrong etc. But this is with the account never overdrawn since I had open it. Customer service is a joke. Closing immediately.

I deposited a check for $8500 on the 23rd of this month and they would not release the funds for some reason. I talked to 5 customer service reps and they won't help me!! I was on hold for 90 min!!!! The supervisor from SC said, "I truly understand the situation." She does not understand anything. It is my money. I WILL BE LEAVING THE BANK ME AND MY FAMILY, this is the worst Bank on this planet, the worst customer service, the worst treatment in the banking centers. They try to save money on my **.

I recently got charged 140.00 due to a disputed charge, on which Bank of America never sent me the proper documents, twice I may add, then to add insult to injury, they charged me for it? I politely asked since the error was on their end can I be compensated and Daniele ** told me that this is the policy and there’s nothing we can do.

My college age son, who just opened an account with BofA less than a year ago was charged $70.00. Two fees that were assessed. One was because he forgot to cancel his Amazon Prime charge that he stated he cancelled and the other was for a couple of dollars that overdrew his account. I called them, when I found out as I had transferred money into his account for food (he is away at college). I was informed by a BofA customer service rep that he had to call in and that they would do a courtesy reversal. He is a new bank user and had never overdrawn his account before.

After dealing with terrible customer service for almost ten years, including multiple representatives swearing at me and BoA refusing to protect my account from a fraudulent transaction (and then mailing the report to the fraudster's address instead of mine), I decided to close my account. I asked them to close my account and transfer the balance to my external bank account with PNC. They refused to do so, stating that they could not close my account because it was my only remaining BoA account. They zeroed the balance on my account without explanation and told me I would need to pay penalties if the balance remained at zero. Despite multiple calls to customer service, they refused to explain why they zeroed my balance, and there is no transaction listed on my account that explains why the balance became zero overnight.

I became a victim of fraudulent activity October 12th from an unknown person that gained access to my account and did Zelle transactions. Here's how it began, I received an email stating I need to update my contact information with BOA, so I print off the email and went to the local branch. When I arrived the banker advised me that the email wasn't from them and gave me an email to report it to forward it to their team that research/investigate scam emails. The banker then thought it was a good idea (as did I) to get another bank card being that I have been with them for 23 YEARS and to change pin number. This happened at 1:30pm, I then went to the ATM to activate the temporary card. The time is now 1:33 pm. I then went back to work. Then beginning at 2:30-2:45 I continued to get emails asking me to confirm a Zelle transaction, well I didn't because I never have used Zelle nor was I even aware of what it was.