Bank of America Reviews

She wasn't able to help at all. She told me to call Bank of America. Why I have to call Bank of America if I'm already in one of your branches in person??? Then when I called claim department lovely lady asked me to transfer my phone to her so she can release my money but she refused to answer. She did not pick up the phone. Then she told me "Can you sit?" I had to wait 10 minutes till she decided to move her ass. Nothing was solved anyway. I slammed the door on her face and left the branch. Then I call Bank of America. They were surprised why it happened, they advise me to go to another branch to take out my money. Really??? Apparently they think I have nothing to do rather than go from branch to branch looking for somebody in good mood to take my money from my card.

Please take a note about your employee **. Apparently she needs more training and customer service tips from someone more experienced. And why she is asking me "how much is your rent??" I don't think it matters how much is my rent. YOU DON'T HAVE TO CALCULATE MY MONEY. IT DOESN'T BELONG TO YOU. Looking forward to cancel the account with Bank of America only because of her ** approach to my situation...

Prior to the deposit I had a balance of $81 in my Account, a day or 2 later had noticed a balance of $831 ($750 and the previous balance of $81) was reflected in my account so I went ahead and withdrew $750 to pay my school fees. After 2 days of my withdrawal when I accessed my Account through my Mobile App, I had noticed a negative balance, after which lost access as well to my Account as well. Owing to this, I visited the nearest Bank of America Branch to find out the whereabouts of why my Account was closed without prior intimation and was directed to the Risk Dept. in the Bank.

Upon further inquiry, I got to understand that my Account was closed because the check that was deposited in my Account was bounced and found to be fraudulent. Also, was told that my Account could be a risk to the Bank and could not divulge any further information. While I was still not convinced as to why my Account had to be closed because of a deposit made to my account I still went ahead and cleared the negative balance which I have diligently within the due date.. Finally, my bank of America account was closed.

Later, I opened an account in university federal credit union (UFCU) and used that account for a couple of months, everything was fine and I was maintaining a very good balance in the account. One fine day, when I visited a UFCU bank branch for my Account statement they were not able to generate a statement for me. Upon further investigation, I got to know that my Account in UFCU was closed as well and the reason was the whole incident that happened at Bank of America.

Though I made a conscious effort of explaining them the situation about the deposited check, there was no change in their decision and my Account with them as well closed stating that my details has been kept in the Check System which doesn't allow me to bank with any of the banks, which follow this Check System reports and I am denied to have an Account with them as a result of a Fraudulent activity (bounced check). Later on, I got to know that if this situation continues I would not be in a position to bank with any of the Banks in US all through my life leaving me in a helpless condition.

Points of concern:

Why should I be penalized for a mistake not done by me the check bounced because of insufficient funds in some other person's Account so why should my Account get affected??

When I deposited that check in my account Bank of America showed me the respective balance in my account which I withdrew the amount. If there was an issue with the check, I should have been informed of it rather than taking a harsh step of closing my Account without any prior intimation. If it was a fraudulent transaction why did the balance show in my Account in the first instance?

And most importantly, I am new to this country, do not possess so much of information on banking activities and I fear the consequences that may come up in the future that could impact my credibility with not being able to bank with any of the Banks in US all through my life. So if anyone can answer my question and if there is a solution to my problem please do let me know.

“Thank you for speaking with me by telephone on December 10 and 19, 2014, and allowing me to research and address your concerns. This document confirms the highlights of our conversation. During our recent conversation on December 19, 2014, we confirmed that we were able to locate the enclosed money orders that were part of the deposit made on November 25, 2014. A $750 credit has been applied to the account ending in **, effective the date of this letter. Although we regret the inconvenience this matter has caused you, as we discussed, in accordance with the terms of the enclosed Deposit Agreement and Disclosures publication (the Agreement), which comprises part of the contract between us and our customers, the bank is not responsible if checks are lost or delayed in the collection process. Please refer to the section titled Checks Lost in the Collection Process. Documents enclosed. Deposit Agreement and Disclosures. Money order images. If you have any questions. Thank you again for taking the time and effort to bring this matter to our attention. We want to be sure to respond to the concerns of our customers. If you have additional questions or would like to discuss this situation further, my phone number is **, extension ** and I am available Monday through Friday from 7 a.m. to 4 p.m. Eastern."

Ben asked me to repeat my CVV, I gave, expiration, I gave, address, I gave (again) and then asked how many accounts I had with them, I replied with the last 4 digits of all my accounts. They asked for some recent transactions on my card, I gave them the last 20. They asked for my SSN and I gave them that and gave them my DOB at the same time "while we were at it". Ben then asked me to give the last SIX of my accounts - at that point I said "who knows that I gave the last four and don't have that on me". I said I wished to speak to a supervisor at that point as the level of questioning was absurd and obviously not needed - I have been through this a million time - but could he clear the account while I held as I wanted to talk to someone about it.

He then REFUSED to clear account. He put me on hold for over the 10 minutes he knew I had to transact this before the supervisor came on (Matthew **). Matthew ** then said that because I had "volunteered" the information, I could be a hacker and he couldn't clear the account! Volunteered? Upon being asked? Of course I "volunteered" - the only information I "volunteered" was the usual to identify myself that I was re-asked regardless. After a further 20 minutes of explaining the urgency and that "volunteering" information such as the account in question, my name and address is NOT pretending to be a hacker, he, too late and only upon RE-ASKING questions, cleared my account repeatedly saying "I can only go by what the representative told me".

Not the customer? Asking him to apply logic, I said any hacker knows the BofA stuff but would hardly know the DOB, SSN and spend 40 minutes on the phone over a $1082 order! At this point, I believe this may have resulted in these items having to be cancelled from the shipment at a ridiculous cost to me as I will have to ship these down separately - that would be the best outcome of this - the worst is that my entire order misses this shipment, the last shipment before a new VAT tax comes into the Bahamas and the actual line item expense will be precisely 7.5% of $58,000 on TOP of this order. They knew this the whole way through the conversation.

Is it policy of Bank of America to hold customers funds as hostage on time critical matters or, when it is over $1,000, is that just theft from a customer? If they had hacked the account, they would have easily have given the last 6 of the accounts! Furious. "Volunteered" = fraud? "Answering Questions" = not fraud? Doing both? This was intentional and cost me a fortune which they knew as they were doing this. I will want to speak to an attorney if I have actual expenses as a result.

I paid my cable bill on Friday through my debit card the payment automatically went into pending status. I had 116.00 left. I went to Walmart and purchased some sheets that came up to $80.00 so now my balance is $36.00 (I printed up my statement). I go to sleep and wake up and check my account on my cell phone before sending my son to the store and now my balance is $320.00. I can't see why its so high so I go to work and print up my statement and lo and behold they removed the cable bill completely off the statement. They do things like that to make a customer go in to red but I am tired of paying them $35.00 for overdraft fees. The way they do the banking is wrong and I deal with many banks and this is the only bank that does that. I will be removing my business because now I have a hold on to their little scam. Scum bags.

UPDATED ON 12/15/2014: Bank of America goes to great extremes to damage their customer's credit history. I have been a customer for many years. Real truth $15.00 was 5 days late of my $155.00 payment. I pay monthly and apparently the extra payments I make monthly didn't cover the full amount. I was called in December by a man named Gabriel that represented the machines that take the place of real people at BOA. Very nice man but assured me customer service could definitely take care of that. A week later, a lovely lady called Peggy; called me and said she would definitely forward that to the right dept. No call back as promised. BOA doesn't care what they report, accurate or not.

On a few separate occasions, I have incurred overdraft fees-$30.00 (on being short in my account less than $1.00). They always refuse to refund. Bank of America in no way cares about the average customer. They have the worst customer service of any company I have ever dealt with. I will be closing my account ASAP and will ALWAYS tell anyone who asks me about BofA the disregard that they treat their customers with. BofA, you are a sad, sad excuse for a company. With an economy that is becoming predominately service based, you will have only challenges to face.

I walked in to one of their branches located at: Culver Center, 3809 Culver Center, Culver City, CA 90232 Telephone: (800) 432-1000 to open up a Savings Account and I came Very Well Prepared with my money, valid photo identification and valid credit cards for verification and I even have an Excellent Credit Score of over 750, plus No Criminal Record, including a history with Bank of America as their previous Mortgage Customer for several years in which it got paid off in full, however, when I tried to get just a Simple Bank Account back on Monday, December 8, 2014, I was turned down and rejected by their Risk Department for invalid and/or illegitimate reasons and was ONLY told to call the phone number of: 877-240-6886 Option 2 to find out the reason, however, somebody from within the branch that I had spoken to told ME that I may NEVER be given the reason, ever!

When I asked the representative what it was that I was being turned down for, she said that I used to have an account which was TRUE back in the 1990s and NEVER had any problems in maintaining my Bank Account, however, somebody from within the company CLOSED my Bank Account for doing absolutely nothing wrong, nor illegal and I honestly felt and believed at that time many years ago that I was being 100% discriminated against by somebody from within one of the particular branches that I used to bank with who just did NOT like ME for NO GOOD, HONEST REASONS GIVEN up to this day!

Furthermore, I still do NOT know what the reason is since I NEVER did anything fraudulent with the bank accounts that I had in the past and NEVER went under the minimum balance required in order to keep the account in good standing, nor did I ever write back checks and I was still able to get a Mortgage Account despite all of this happening to me.

Very recently, I sent out about 100 emails to Bank of America's Top Executives out in Charlotte, North Carolina to please go into the system and remove the discriminatory block from ME being able to have an account with them based on my fair and honest reasoning and explanations given in my letter of serious complaint. I actually received no responses except for one tweet that said "Thank you for the information. We will give you a call today." However, when I spoke to their Social Media Executive, he was unable to help me and then referred ME over to contact their Risk Department at: 877-240-6886 Option 2 for More Information.

Over the telephone today, I spoke with Alejandro, one of their so called Risk Department Representatives who was talking a mile a minute that I had to ask him to please slow down at least twice during the conversation since I was trying to write everything that he said down. Basically, he had no explanation, nor reason to provide to ME except that "Due to the Agreement that I signed when I opened the Account, it stated that I, or the Bank could close my Account without providing any reason or notification".

This to ME is nothing, but discrimination and I feel that they conduct very unfair business practices. No wonder why they have been sued so much and No wonder why they have to pay the government so many fines. If they do not want me as their customer for doing absolutely nothing wrong, nor illegal, then fine. I already have another bank account with another banking institution whereby I do not get treated like a Criminal or somebody living on the Street. Thank you Bank Of America Corporation for your dishonest service!

The bottom line is that BoA is extorting money from the unemployed. Don't take my word for it, Google "Bank of America unemployment card sucks". You'll find a website with millions of complaints. Absolute horror stories. Getting back to me, I lost my original BoA card (which I paid their 13 Dollar fee for the "expedited" out of my benefits...took 10 days to arrive), now I am being lied to about when they sent out my unemployment benefits. They are sending it "bulk mail" which I found out by my post office is a big no-no.

Anyone can get my card and according to USPS most of the time it will either be returned or lost. No joke, my postman didn't believe that they would send a Visa card like this. So now because I refused to pay another $13 Dollar fee out of my little unemployment money I have no idea if I will ever get my card... Been 8 days now, ran out of gas twice, no food, no money and if I try to transfer the money to my REAL BANK there is a heavy penalty. Do a little research and see what BoA did to other people. This is nothing and I'm fortunate.

Of 2 tellers working there one, Ms. ** and an Indian lady (don't know her name who is usually rude and not very customer friendly any way) both went into to the back room for approx 15 mins while no one at the window, (no cust either) except my wife and I still waiting for 15-20 mins. They finally came out once another cust walked in, the Indian lady attended them at window and the other came to us and told us to come to her window- which she could have done 15 mins ago, when there were no cust at the bank except us. It took us an hour to use our locker wait and use the stupid locker and be out of there. SOME CUSTOMER SERVICE. NEEDLESS TO SAY, WE WILL CLOSE OUR LOCKER AND THE BACK ACCOUNT IN NEAR FUTURE AND MOVE THEM TO ANOTHER BANK.

Their credit services are insane! I usually pay every single bill on time but when I was in college sometimes I would need to pay a few days late. You see this is unacceptable at BOA. They will charge you a late fee and WILL NOT under any circumstance refund said fee to you. I was once late by 1 minute (I am not kidding, I paid 12am) and they would not remove the fee. This bank is constantly trying to figure out how they can justifiably screw their customers out of their hard earned money. They once tried to impose a $5 a month debit card fee. That's right, not a $5 replacement fee but each month you use your card they charge you $5. They no longer print personal checks at banking centers which is really helpful if you need a check in a pinch (you could order a bunch of checks and have them overnighted for $40 but when you only need one check this is rather annoying).

Now what do you do when you have an issue with your account? You call customer support, right? Wrong. If you want to speak to someone that can barely grasp the English language yet alone understand a complex screw up with your financial information then BOA is for you! In conclusion I would not recommend this bank to my worst enemy yet a friend or family member. DO NOT BANK HERE. YOU WILL BE SORRY!

But the reality is very very different. I am getting charges for monthly fees for lease, for usage, for not using it, for minimum amount of money in the account, fees for processing, fees for maintenance, etc... I contacted Luis and he told me that those charges were there by mistake and he was going to take care of them. Waited for about 2 months, I called him again and he told me the same thing. Waited a couple more months, nothing happened. I visited the bank and I talked to the manager over the phone. She is not willing to help at all. I called customer service. They say they have papers signed and that they can't do anything. The little money I make isn't enough to pay for the charges. I really need your help before I close the doors stay with a big debt. Thanks. P.S. I will provide more specific information like order number and charges.

I called again this time speaking to a manager who was unapologetic about not returning my call. He had already made the decision to keep the $35 fee. I calmly told him I was fed up and would be taking my business elsewhere. He replied that I was free to do as I pleased. I would like Bank of America to know that Chris, a manager at their call center, could care less if they have my business after 10 years of being a customer. Does anyone at BofA even read these? They are all one star reviews except for one that looks ridiculously fake. I am repulsed.

I called Bank of America and reached a representative, who thanked me for being a customer since 1997, and I tried to explain what had happened and I told her A person would have to be an idiot to spend $38 dollars on an item that cost $7, and I assured her that if I would make a deposit that day to bring my account current. And she said "I would advise you to bring that account current as quick as possible!". I was so angry I could not see straight, and I jumped in my car to make a cash withdrawal and get their stolen money into my account quickly. I reached in my back pocket and realized that I did not have my BOA debit/check card (My son had it in his wallet).

Later that night I went back to the BOA ATM and deposited a $40.00 check, which brought my balance to a positive $.02 cents. The next day I called and got a representative and she said, "Having a great day at Bank of America, and how are you doing?". I said I am doing OK and I asked her did she know how long I had been a customer and she said since 1997. I asked her if she would be surprised to know that I banked with Bank of America in GA when they were C&S bank, and later when Bank of America was NationsBank in GA in the mid 80s and she said she believed me. I asked her how important that $35.00 overdraft fee was to Bank of America and she looked and told me there was nothing she could do and I thanked her. I wrote a letter with all of the required information and signed it with the statement that if by chance a direct deposit does go into my account to mail it to my home address. I got a check for $.02 dated November 21, 2014, which would be approximately one week of the cancellation letter being mailed to Tampa, Florida.

I have had some experiences with Bank of America that were a customer's dream because they treated me like royalty. There was one time when a ach for $36,000 had not been deposited and I called the customer service line and asked to speak with someone in bookkeeping and the representative told me "We don't have a bookkeeping department". I wanted to tell her so bad that I worked for a government agency and I had conducted business with the bookkeeping department several times, but its not a good idea to invest in stupid!

No one stays with a bank as long as I did without running into the several good people that worked for BOA, but a person can have a hundred transactions with good people and have one bad one that destroys the party. The $35.00 was a hard post on November 12,2014 and on November 13,2014 I got an email dated November 12, 2014 saying my account was overdrawn! Why send a customer an email after the fact? That was the straw that broke this camels back! The kicker is BOA sent me a $02 cent cashiers check with $.48 cents postage! I hope Bank of America feel as good as I do.

We even had some transactions approved and authorized under cardholder name: Visa. I also had multiples transactions same and different days with the same authorization code! Bank of America fraud department is not returning my calls and all I was able to receive is an address in Sacramento to send a letter. If you have a similar experience with BofA / FirstData, please do not hesitate to contact me. I would be happy to discuss this case with you.

Then, "let's verify all of your husband's info" - card number, his phone number, address, etc to make sure everything was working and updated - fine - his card was fine and they updated again his phone number (never changed) and address (never changed). Then 3 weeks later, guess what, called to find out where my card was. "Oh sorry, you must have hung up before we finished the transaction. We blocked the card (mailed to the wrong address) but we never issued you a new card. You must have hung up too fast." Wrong! "OK, let's take care of it again and do you want to pay for a rushed card?" No, I asked for a manager to OK rushing a card without charging me since we had been patiently waiting for a new card. After a long time on hold, with the rep checking back with me to say he was on hold waiting for a manager, finally, approved to rush a card. "We will make a card tomorrow and it will be sent overnight - wait for it on Thursday." OK - finally!! Customer service at last.

Wait... card never arrived but received an email saying it was mailed. Called -- no, you were never promised Rush service... no, you never received manager approval because a manager would have spoken to you directly on the phone, no, that's strange, customer service never would have communicated to you Rush service because customer service inputted it as a standard replacement, strange, if you wanted Rush service, you would have had to speak directly with a manager. Sorry, Bank of America customer for 20+ years, we'll look into it and we apologize for the inconvenience, but nothing of what you are saying could have happened because that's not our standard procedure.

Guess what Bank of America, I'm closing my account at the end of the year (waiting for my home loan to close not with Bank of America) and I'm taking my money to BECU.

The bank manager did not close one of my accounts. It remained open even after I explained to him how unhappy I was. In addition, the bank manager did not advise me that taking one $26,000 check would hold up the deposit of those funds for 10 days into my new bank account at my new bank. So, I do not have access to my money now. After I assumed that I closed my account, I took my time changing around automatic IRA transaction withdrawals (mostly because I don't have access to my money at my new bank now). The withdrawals are scheduled monthly and I figured that if they happen to knock on the door of my Bank of America account, they would get a message back that the account was closed. BUT NO! Bank of America had not closed my account, so they handed over $800 to my IRA accounts and charged me two overdraft fees.

I have just spent the last hour on the phone with Bank of America demanding that some action be taken against the branch manager who did not close my account as requested and who did not advise me of the 10-day hold on my money (this 10 days is a federal requirement for all banks, so there really is no excuse). I requested that the account be closed immediately. I was told I would have to go back to the branch again, come up with $800 to bring the account to zero before I could close it. That is all they could come up with. That is the only option they gave me. Me, as the customer, could go and do all the legwork to correct their errors and unprofessionalism. As far as the bank manager... he will get some "coaching"... Well isn't that just friggin dandy for him... I opened my account with BOA in 1991. I have been an A+ customer (I can truly say that... I had a premier status). You've heard my story, decide for yourself...

Two weeks have passed going back and forth and still nothing has been resolved. Regarding the charge backs I was told by 3 different people they could be fixed, then the last person I called said they could not. Also 3 representatives told me my company name would be changed within 24-48 hours and still nothing has been changed. My customers are still viewing their statements as my old company name and I have to go and explain this to them all so I do not receive more charge backs. This has made my company look really unprofessional and also skeptical to my customers. I finally called again and asked them what the status was on the name change. The last rep that I spoke to apologized for the previous reps and said I needed a form to fill out and then my name would be changed! Why have I wasted all this time and energy and the information I had been given by not just 1 rep but by 3 that there was no document that I needed to fill out! Their unprofessional-ism and miscommunication has ruined my whole outlook on BOA.

I have recently changed and gone with someone else, smaller company but way more professional. BOA has wasted not only my time but my customers' time and my money. Really angry with BOA and how they handle things (which is not at all.) I cannot even fathom how they could not understand a simple task to change the name! 1 year has passed and still not solved and on top of it all instead of changing my name to my new company name, they somehow merged my old name with my new name and messed it up even more! How can these people be so incompetent?

I was fortunately able to find care for my mother and she did not go under protection of NY state. I unfortunately lost my father to Huntington's Disease the next day. I would like to update my review being that I appreciate Bank of America for listening. Although the entire situation caused a whirlwind of a situation for me personally I am satisfied that it was rectified. I hope this helps anyone who has had a negative experience.

Original Review: Nov. 18, 2014

When I first opened my checking account back in 2009, all I heard was of how great of a bank Bank of America was and how it would be a great place to start. I agreed with this and I loved this bank, up until now. Their customer service is completely inconsistent. I have talked to amiable representatives and other times talked to uncompassionate representatives who could care less you're going through hard times. Called today to dispute overdraft fees I accrued amounting to $140.00 ($35.00 x 4). This being understandably if I overdrew my account then the charges of course would be my responsibility. The funny thing is, the charges were posted and taken out of my bank on the 17th. The charges were taken out and I still had a remaining balance of $10.01 when I checked that evening. I was then charged for 4 overdrafts this morning. I live paycheck to paycheck. My father has been in a nursing home since 2009 and my mother has recently been diagnosed with frontal temporal lobe dementia. I care for my disabled parents and pay for my mother's care so she is able to live at home where she is most comfortable.

I am 25 years of age and I am trying my best. $140.00 is a matter of paying the live-in aide or not. I called customer service and spoke to a representative Amanda. She said there was nothing that they could or would do since the charges were authorized. That is great - the charges in question were authorized, but when the charges posted yesterday, I still had a positive balance in my account! My account didn't go into overdraft until the system slapped on the $35.00 four times!! I'm having a hard time understanding of how I am being charged $140.00 when my account didn't fall into the negative. I am completely frustrated and at a complete loss of how I am going to pay for my mother's care since I do not get paid again until the beginning of December. I am completely frustrated with this bank and their "customer care" and I warn those who are in a financial strain or who live paycheck to paycheck to avoid banking at this institution at all costs since it will cost you dearly.

I find the qualifications of these banking staff to be trainees since so many of them are routinely rotated, totally amateur and INSENSITIVE of needs of customers who cannot spend hours for a simple bank task. At my last visit I simply had to walk out without getting the work done knowing that it will be hard to deal with these ignorant BOA staff. Bottom line dealing with BOA staff is DISGUSTING to the core!!

I called 3 times. The first time, the person had me talking for like 20 minutes and then disconnected on me. The second told me that the charge will be refunded automatically. Two days later it did not. The third person said that there are "other" fees associated with the overdraft that the over protection does not cover. WELL, make that clear. In any case, I am done with Bank of America. They're a bunch of liars and have the ** customer service. I am closing my account in the next few days as I still have some transactions processing.

Bank of America is the FIRST BANK TO EVER SYMPATHIZE WITH ME AND GO ABOVE AND BEYOND TO HELP ME, even when I was in the WRONG. Any time I called in to ask them to reverse the fee, they would let me know that technically the funds were not available on my end but that they understood I was having a rough time and they wanted to help me out because they sincerely valued my business. I was ALWAYS polite to them and they were always more than polite to me in return. I have an annual income of less than $20,000 so it's not like they went above and beyond because I have a VIP account or something.

Unfortunately, my local BOA branch was sold to First Tennessee Bank so I no longer hold an account with them, but I can promise you that I WILL be opening a credit card or something with BOA because of the amazing service I have always received from them. DON'T BELIEVE ALL THE HORROR STORIES YOU HEAR BECAUSE THIS BANK DOES HAVE ITS POSITIVE ASPECTS. I wish there was still a branch in my area because I would certainly bank with them over First Tennessee ANY day.

On 11/3/2014 Bank of America put their hands in our account & withdrew $171.75 for the Lease Renewal for an account that was closed. Because BOA withdrew the $171.75 our account was overdrawn & BOA went back into our account and took another $35.00 for overdrawn fee. A total of $206.75 was taken from our account for a lease that had ended & a machine that was returned. We called BOA customer service and was forwarded to an account specialist "PAUL" who laughed and said this $171.75 fee was for a prior year. My question is who bills you after you have used their service & equipment? The answer is NO ONE!!! Bank of America has taken our Money, Laughed, & lied....It took BOA maybe 3 seconds to withdrawal this money from our account, now they want to return our money minus twenty dollars within 5 to 10 business days. Really, are you kidding me ...My husband works very hard 7 days a week to provide for our family, I was just laid off the 3rd time from 3 jobs in the past 6 years so we struggle to make ends meet. The $206.75 that was taken from our account was for Food!!! So how are we suppose to eat Bank of America?? Oh, that's right it's not your concern.....Outraged & Disgusted.

Well I didn't find out about this till recently when I went to use my ATM card at one of the other banks I have had long term accounts with and the ATM ate my card. Called the bank up in the morning and was told by "special department" that it was BOA that was reporting to Chex systems. Called BOA and was transferred to their "recovery" department. This department is filled with nothing but rude employees. Called about 20 times and spoke with 25+ different employees. All I wanted to know was, will BOA remove the Chex systems reporting if I take care of the negative charges that BOA claims I was responsible for after the account was closed 2 weeks ago. No negotiation, no sympathy, nothing. Just rude people acting like I had committed fraud against the bank. No fraud committed. Just by BOA for leaving my account open and letting charges come through and then charging me extra fees on an account that I assumed was already closed per my request.

I told the employees that one of my other banks is going to shut my accounts down unless I receive a letter of deletion from BOA. Specifically Union Bank. They flat out refused. Instead sent me a letter stating that they will continue to report to Chex systems for the next 5-7 years. I told them that this will affect my business also and will bring hardship to everyone including my employees who I will have to find another way to pay etc. BOA employees didn't care. It was a measly $360 that they wanted and that I threw in their face.

Good thing is that my current banks understood what I had been through and had heard about BOA and the way they do business. They are happy to retain me as a customer. Plus they all gave me FREE accounts. I was paying BOA $10+ for their accounts monthly. Union Bank ended up shutting my accounts because I couldn't furnish the letter. Good thing because I don't want to give my business to a bank that has no appreciation and understanding.

Stay away from Bank of America if you value your life because they will screw it up in a heartbeat. I should have read the reviews about this happening to other good people before going to BOA for an account.

Through the 7 days I was making cash deposits totaling 8 thousand 800 dollars. My new Debit card came in and I went to activate it and was told that It could not be activated because my account was being shut down and closed. I panicked and drove over to my branch which was only a few miles away. I asked the risk department on the phone while driving why they had done that, they said that it was because I was on ChexSystem. I told her that they had already known this because I informed them that I was on ChexSystem. They said that they made their decision and it was final.

BE AWARE THAT EVEN THOUGH BOFA SAYS THAT THEY TAKE PEOPLE ON CHEXSYSTEM, IT’S A LIE THEY DO NOT!! I asked if I could go and get my money out of that bank. She said yes. I hung up and went inside just to be told that I could not have any of my money that in two weeks I will get a check in the mail. I was pissed to say the least. The manager there told me that they could not give me any information whatsoever. He basically informed me that I had to trust him? Seriously?

This bank is extremely dishonest at the highest level. I have known people who had really good relations with this bank and some that told me that it was a nightmare. I just know that it’s a joke and illegal practices at its best! If you want to keep your money safe and secured please stay away!!

Bank of America mails what is essentially CASH in the regular mail? Shocking lack of protection of my son's money, and this needs to be publicized so nobody trusts Bank of America with travelers checks. I hope Bank of America realized how patently unsafe it is to have mailed $1200. in cashable travelers checks. Unbelievable really. At the bank today when I went in, they told me mailing was their policy?? If they had been lost, anyone could cash them, and my son would have lost his money, and the fault was fully the Bank of America's.

Well, I have added all deposits since the inception of this account and subtracted all debits from that amount and wallah! My balance in my ledger is correct and theirs is not! Went to a local branch and was again informed that "We don't have an accounting department!" WOW! Also informed that in order to have the account reviewed, I would have to pay the charge to have it reviewed.

Needless to say, I'm about to spend the 6th entire day reviewing the debits and credits on this account to find their error and when I find it, I will go spend yet another couple hours at the local branch to have it corrected; or I will be contacting my attorney! They don't have an accounting department, but I'll just bet they have a legal department! Something wrong there!

When inquired with Customer Service Representative if they can cancel the transaction made via BOA debit card for transfer and stop the payment, they said I was responsible for it and utmost they can do is revert the fee charged for a returned check. I expected a more professional behavior and support to help me track my funds. I know I have legal rights and I will file a fraud complaint. But being a customer I desired to understand what could BOA do to help me and save my money. The response was cold and disheartening.

THANK YOU to Bank of America for taking the time to read these concerns and actually listen! IT DOES make a difference. AND I WILL continue to leave reviews on here letting the others know that THIS BANK DOES CARE!!!!! THANK YOU FOR TAKING THE TIME TO HEAR HOW WE FEEL AS CUSTOMERS BY READING (AND RESPONDING!) THE COMPLAINTS ON HERE!!!! KEEP IT UP!!!!!!!!! DEFINITELY a bank that is actually trying here.

Thank you for your quick response and also for listening to my concerns about the rep I originally had when I called on my account in the first place. As I told the last lady who did help me with my account I would not call and dispute the NSF fees if I knew I was over drafted or didn't even try to put money in my account before the fees where shown in my account or if it was truly my fault. But I did see the night before that my account was in the negative the night before I received the NSF fees and put money into my checking so I wouldn't get those fees. Thats why I was upset and when I called to talk to someone that day about it the rep I got was rude and would not help me. Thank you for resolving my issue with BOA.

And the last lady I talked to was very helpful and very nice... with that being said and because of the last lady I talked to I am giving it 5 stars because I think BOA should give this lady a raise for her being kind and listening and resolving the customers issues and actually going back and looking at the accounts to see that the customer was truly trying to make sure that they didn't receive a fee by trying to make sure that their account was out of the negative.

Original Review: Oct. 24, 2014

I called BOA on October 23, 2014 about the NSF on my account. The night before these fees were posted on my account it said my account was in the negative 8.00 and something so I transferred money into my checking account from my savings account to make sure I didn't get an NSF. Next morning I check my account and what do I see? Now my checking is in the negative 81.00 and some change????? How could that be when I made sure I wouldn't be in the negative the night before.

So I call BOA and speak to a rep named Tia and she tells me that there is nothing she can do and that I was wrong about my account. She told me since they paid charges on my account for things that were already showing in my account since Friday that they charged me not just one but two NSF. I told her that they were already all posted in the account when I saw it the night before and it said I was negative 8.00 and something and that I transferred money over to the checking so I would not get these fees.

She then began arguing with me and told me she was right and to get on my computer and look at the account and not to keep looking at my account on my cell phone. I asked her if she was going to help me with these fees and remove them and she said no. So now I am going to be taking my money and business elsewhere. I have been with BOA for years and have never been treated so rude like this. I recommend they look at BOA and how they treat their customers. I do not recommend this bank to anyone. They will rip you off...

To me B of A is always looking for a way to sneak some money out of its customers. In this case a late fee and additional interest that should never have been incurred if they had simply followed the protocol that they had been following for 15 years. They needed to be explicit in there communications but the letters they sent were not at all clear that I would have to pay the last payment by some other method. Of course, it behooves them to be unclear because they make a lot of money being ambiguous in their communications. To me this is just another example of Bank of America ripping customers off, regardless of whether they have been long time customers or not. Their concern is the bottom line and making profits, not the consumer.

In addition when I got the loan the mortgage broker for B of A said there would be no problem if I wanted to pay off the loan early. That was true when interest rates were high, but when the rates dropped below what my 10% mortgage was, B of A informed me that there would be a $37,000 pre-payment penalty. At that time I only owed about $200,000, so that was a real rude awakening and completely different than what the B of A broker had told me. I had made some additional payments on the loan when interest rates were high and there was no penalty, but as soon as interest rates went below what my interest rate was, the pre-payment penalty kicked in. This was completely contrary to what the broker from Bank of America had told me.

I will never do business with Bank of America again. My experience trying to get answers via phone has been bad. To make sure I got the loan paid off I emailed them and asked for confirmation of receipt of the email, but never received any. So I went to the branch of B of A where I took out the loan and tried to pay off the loan directly at the branch. I was told they couldn't do that. Be smart, bank elsewhere, B of A will find sneaky ways to take your money.

Besides making it nearly impossible for me to get the new card, as it is shipped to my home address usually thousands of miles away, it also creates an ugly domino effect, as everything in my business is attached to the card. Phone payments, insurance payments, bills, you name it. I don't even know where to begin picking up the pieces, nor do i have the time for this crap. They offer the option to have a new card expedited to my current location, but guess what?? the last 3 times I've had this done, the address they ship it to, usually a branch in the middle of nowhere, becomes the new card's billing address!!!! Believe it or not, I've experienced this stupid, strange phenomenon enough times to know there is no way to avoid this. I don't think the people who work at B of A even know about this nor do they have any power to stop it.

So, each time I received one of these cards at a branch, i have to go through another hassle of calling and going to the branch to change the billing address of the card back to my home address. Yikes! come on people! we give you our money to hold and let us have access to it for convenience. What's with the pretending like it's your money?! I'm one more blocked card away from going all cash. So a merchant is "compromised". What does that REALLY cost the bank?? They rather take the slightly cheaper route and inconvenience thousands of people by blocking their card than to do their job and eat the small cost of being a bank, as if they don't make enough profits from our own money! But who cares about the complaints of some small-fry? Maybe another class-action suit involving thousands of frustrated cardholders might get the message across?

The managers and assistant managers there didn't seem to know very much about what to do when a person is deceased. They kept giving me conflicting information as to procedure and the time it was taking. They really didn't know what they were doing in regard to this estate matter. I am now in another state and the personnel of my local branch don't know anything either. They gave me the phone number of the "estate escalation division" and the person at this number is the one who told me I needed to get another Affidavit with the account number but wouldn't give me the number even though he had all my documentation confirming my identification in front of him! The incompetence of B of A is staggering! I want to close all my accounts; however after reading the problems people are having closing accounts, not sure if I could take the stress of more incompetence and runarounds! The only "estate escalation" here is my blood pressure!

After finishing writing the slip, she counted the money and gave it back to me and said "only $1,350". That was a shock! I put the $600 in the envelop right before I left home! But the lady said that was all she got. I went back to the car and checked all over. Nothing there. It's impossible that I lost it, since if I lost the money, I should lose the whole envelop. I went back home and didn't find the $600. I called Bank of America but very difficult to dial through. Finally someone came to answer but told me to wait till Monday.

On Monday, I went back to the branch and spoke with the manager. She told me they would investigate and let me know. For the next whole week, every time I called them, they told me they are still investigating. I asked to see the video, they said I'm not their customer and cannot see it. I then went back to the branch a second time and talked to the general branch manager. She said the branch only has the cameras and the videos are held by their headquarter in the center city.

She gave me the phone number of the regional manager, a Arnold **. I then had to call this man three times, and each time he lied to me. Initially he said there was nothing extraordinary on the video; the second time he said he would have to order the video and let me know. Then two days ago I called him again, and this time he simply said there is no videos, only two picture clip!!! A simple matter, but they don't want to prove they are innocent by allowing me to see the video, not the picture!

By the way, I also went to the police station. They told me to go to the branch and call 911, then they could come. I went there in the branch and called 911. I waited two hours and no police came. Over there I called 911 again more than three times. 911 finally told me the police station had nobody to send!!!

Since then I have spoken to a number of individuals who have informed me that BoA is not loaning money on Florida condos. They gladly charged me for an appraisal, etc. I received the formal decline on the 30th of September. This was the date we were supposed to close. Our contract expired. Fortunately the seller extended the contract and we are working with a mortgage company that qualified the condo within 24 hours. All appearances (I can use them too I reckon) are that there was never any intention to approve the property, no matter what the facts. I have been with BoA (through acquisitions) since I was in High School. I am in the process of opening an account at another major bank and transferring my monies. What a major hassle. This just adds to so many other issues I have had, but this sealed the deal. Do not deal with this bank unless you have very simple requirements.

My father had a checking account with Bank of America for about 15 years; and put both of our names on the account, including me as a signature on the account. He also had a safe deposit box. When he died about four years ago, I discovered that my father's girlfriend had closed out his safe deposit box and took about 40k in savings bonds. When I called the location where the box was, I was told by the bank manager that she could give me no details regarding the closing of the box. I wrote down the manager's name because I was dealing with pressing matters like my father's funeral and estate.

A couple of months later, I was reading the local newspaper and noticed that the manager of bank was arrested and later prosecuted for taking over 2 million $ of bank customer's money. When I called back to the bank and demanded to know what had happened to my father's safe deposit box, I was told that my father had obviously given his girlfriend the key and access to the box. I told the bank that she had no right to close the box, since my father was the sole owner of the account. I was told there was nothing they could do. I cannot believe that this bank is so unregulated that they can charge fees and make up rules that penalize the hard working people that think they are doing business with a neighborhood bank. Bank of America has some very serious systemic issues that need looking into to. Fortunately I am financially secure and I can be selective who handles my money. Most people do not have that option. BEWARE.

When I go to the Bank of America a few days after I receive the letter, I am told that they do not keep wallets that are handed in for more than 24 hours and that they destroy it. So they "destroyed" my wallet, 2x driving license (one US and one UK), a gift card, an American Express credit card and oh yes, a $100 bill! I thought that it was legal to destroy money??? I was furious! Why would you take a wallet and stamp a letter confirming that you would return it to the owner (your customer) knowing that you have a policy that require you to destroy it within 24hours? On top, very rude customer service and denial, considering a stamped letter for the very same Bank and the very same person! Robbery!

Second bad experience was when I decided to close my regular checking account because I needed my regular income to go into another account for a while. The Banker convinced me to allow her to open a debit card account (requiring no fees) for me until I decided I was ready to reopen a checking account. I said sure and went ahead only to find out a year later that the money I had in there was all gone because of a monthly $8+ fee I was being charged. I was told that the fee was due to me not setting up paperless statements online. When I explained to the bank that I wasn't informed of this and that I didn't read the long agreement because I trusted them to inform me of whatever I needed to know, and that they should refund my money back. I was told that I should have read the agreement and that it is too late because I signed it. Again, robbery!

I have had too many other problems with Bank of America and I wouldn't know where to start. If you want good banking, I recommend Charles Schwab, which my friend recommended to me after he had switched due to similar Banking issues with BA. They give you free cheque books, Free deposits envelopes and no ATM charges! Bank of America is the worst. If you prefer a High street bank, I would recommend Chase over Bank of America!

My wife opened a checking and savings account with BoA when we moved to NC 4 years ago. I did not open account due another unpleasant experience, which I won't detail here. So the account my wife opened was just hers. She was a stay at home mom who cared for our autistic son. She managed the household finances but she needed an account just for her, with her own money. It was just few dollars so that if she saw a scarf she wanted to buy, take a friend to lunch or whatever, she'd have her own money with which to do it.

On August 21, 2014 my wife passed away from a year long fight with cancer. About a month later I got around to contacting BoA about closing her account and having them send me what was remaining in the accounts. I took my wife's death certificate and other documents to my nearest branch and was initially told by a personal banker they could take care of it at that location and I would conclude my business during my visit.

She got on the phone and was told the process of closing my wife's account was not something that could be done by the branch manager, but had to be 'reviewed' and it would take 'a few days'. But she said would get my information and submit my request. She had been given a 1-800 number to call and I sat with her as she was on the phone; she was transferred and placed on hold multiple times.

While I could only hear half of the conversation it appears as if she did not initially contact the right office and there seemed to be some confusion as to who she should speak to. Actually, I found myself wondering if she was really a BoA employee because it seemed as if she was just getting passed from office to office. But finally she spoke to someone who said they could help and she was instructed to fax the documents and give them a call back the next day. This visit took 2 hours.

The next day I returned and we started the process again. Apparently, the person she spoke with the previous day could not be located and there was no record of the transaction so we had to start the process all over again. And again, the same as the previous day, she was transferred and placed on hold multiple times. It was like deja vu. When she was finally connected with someone who said they could help, that individual indicated they did not have any record of the documents being requested or received from the previous day, so the documents were faxed a second time. We were waiting for an acknowledgement the documents were received but after 2 hours of this I had to go back to work.

Also decided I was just going to go to a different branch because I thought the problem must be this employee. A few days later I went to a different branch and was again told the closing of my wife's account and returning of the money to me from her account required a review process and could not be handled by a branch manager. I essentially went through the same process again even multiple transfers and the extended periods of being placed on hold. So that made me realize the problem was not the previous BoA employee I spoke with at the other bank, the problem is BoA.

After an hour and half and faxing of the documents a third time, I was told someone would call me. I did not receive a call so I returned to the bank today a week later. The BoA employee recognized me and was surprised I had not received any response. When she got on the phone to inquire about the status of my request, again we played the transfer multiple times and place on hold until someone is finally reached who can help. But I swear it was like this was the first time anyone had spoken to BoA about this matter.

Again my documents could not be found. The BoA employee let me speak on the phone to the individual with whom she was speaking. I recounted my 3-week ordeal with him, told him I had already had BoA employees fax the documents on 2 previous occasions. He said he would look for the documents again. After 15 minutes he came back to the phone and indicated he had found my wife's death certificate but none of the other documents. When he returned he also mentioned I had to submit a handwritten, notarized document requesting the return of the money from my wife's account.

In my 2 previous visits to BoA no one had mentioned this was needed. I did not bring the documents with me today, so after giving both BoA employees a piece of my mind, I left with plans to return tomorrow where I can't wait to have another Ground Hog Day experience. Tomorrow will be the 4th time I will have faxed the documents to BoA.

Of all the things I have on my mind at this time; the death of my wife, caring for our son, consoling her daughter who in losing her mother has lost her best friend; trying to close my wife's account at BoA should be the least of my concerns. BoA does not have a concept of customer service, employee training, accountability or even giving respect to their own employees. My goodness, a branch manager, who sees the paperwork is in order, does not have the authority to close an account. Their personal banker who have to call a 1-800 number and get transferred, placed on hold and get the general runaround when trying to conduct the simplest business. And what's really amazing is that you would think the employees would have some professional pride and be embarrassed by my having to endure this craziness, but they are not. For them it appears to be business as usual.

So tomorrow I go back to BoA for the 4th time to fax some documents for the 4th time in an attempt to conclude the business I started trying to complete 3 weeks ago. Since my wife got sick and passed away this had been the most frustrating experience of them all. (And I used to think insurance companies were awful). I cannot wait to get my business finalized with BoA so I can put as much distance between me and these lazy, incompetent bozos as I possibly can.

Well 2 years and 4 months almost to the date, I go on my account which is still open.. And notice I am being charged 500$ for something I have no idea.. I contacted the bank and was referred to the merchant services department.. After speaking with a very rude representative who referred me to the person I spoke to 2 years prior, this guy tells me that I shouldn't have been charged and he was going to try to get my money back.. I wait and wait and call him... No response..

Finally Monday morning he sends me an email saying that he is unable to get my money back after telling them I never used their device... WHAT??? I never said that.. Originally when I spoke to him he said he couldn't remember what he said 2 years ago. Now how does that turn into I never used it??? He asked me if I closed the account? I said no it's still open.. At which point he then stated that since it was still open and I didn't request it be closed they should not be charging me... Now he states something so off the wall? 500$ for lies!!

One person accused me of lying about the house being my primary residence, and questioned if I planned on flipping it. She said that I should live in the house while renovations are happening because my request looked fishy. Are you kidding? I explained that I'm five months pregnant and that I cannot live in the home inhaling paint fumes and wood flooring dust. BoA could not understand this concept at all. They said it must be underwritten as a second home and that I was no longer eligible for the same rate or dollar amount.

To make matters worse, no one involved in the process got back to me to say my application was cancelled. I wasted two weeks with BoA, then had to start the process over with another institution. My local credit union was eager to help us, as we both have high credit scores and over 50% equity. We were approved within one week for triple the amount we asked for, paying 2% less than BoA offered. They weren't concerned about our motives for not living in the house while work was being done, and they even sent a card thanking us for our business, and congratulating us on our new baby.

I went into a panic. I immediately contacted Bank of America via phone. The representative I spoke with would not give me any information only a telephone #877-240-6886, option #2. I called the telephone number & spoke with a rep name Claudia who refused to give me her last name. I asked what was going on with my account, is there some fraud activity the recording saying my account is overdrawn by $888322.58 dollars. The rep told me "oh it’s just a code we put on your account because your account is in the process of closing." I literally vomit when she said that. I asked her why she began reading a script stating a business decision was made to close my account. I stopped her and asked her what is she talking about. "What business decision? I don't understand what you are saying.” I asked for an explanation. She would not give me any explanation. She only kept reading the same script that a business decision was made to close my account.

I became very angry because earlier when I checked my account there was no issue. My accounts were accessible and open. I asked, “Why are you continuing to read the same script and not giving me an explanation as to what the business decision was made, what is going and why I was notified about the closing?” She would not give an explanation and kept reading the same script. I asked to speak with a supervisor. I was placed on hold for several minutes before another person came on the line. I again asked the same thing why my account is showing overdraft, why it was being closed without notice, what business decision and why am I not getting an explanation. That person did the same thing started reading the same script.

I once again asked to speak with a supervisor. I was placed on hold again for several minutes before someone name José finally decided to come on the line and did the same thing, read the same script, and would not tell anything other than a business decision was made to close my account. José refused to give me any other information. I panicked because I just returned to work after being unemployed for some time and my first paycheck was direct deposited from my employer into my joint checking account.

I asked José what happened to my paycheck that was sent from my employer to my checking account. He told me there was no direct deposit however the automated services states my paycheck was deposited from employer & was credited to the same checking account. In addition two previous deposits were made into same checking account (I have both Bank of America deposit receipts as proof). At no time did Bank of America contact me to inform that they were closing my account.

It was not until I went to check to see if my paycheck was in my checking account and I could not access my account yesterday evening that I discovered what Bank of America has done to us. Due to what they have done I cannot pay any of my bill including my rent which I was due to pay my portion of when my paycheck came into my account, my phone is now off because I could not account funds to pay my bill, I could not purchase gas for my car of purchase food, I cannot stop crying, I can’t sleep, I can’t conduct my duties at work because of what they did. When I tried to make a withdrawal I cannot because they blocked my atm card. I got no resolution from boa none whatsoever.

I wish I never opened an account with boa. I never thought I would go through such a nightmare behind my money that I worked so hard for that I now cannot get because they are holding it. Can’t pay my rent this month. my phone is now off because of this, my living situation is in jeopardy, can't even buy food for my household or gas for my vehicle. Never would I thought that I was endure this hell from boa. Since this has happened I have literally sunk into depression. Pure hell because of Bank of America

I called and was told my account was closed and that I was not owed an explanation. I argued that fact and was then told I violated the deposit agreement. I did nothing that day that I haven't done a thousand times in 15 years. I have gotten no emails, no postal mail, no nothing from Bank Of America. Even the branch referred me back to Risk Management. I intend to seek out the opinion of counsel. I am sure my remaining funds will be confiscated as fees. All the automatic payments are bouncing, checks rejected, etc. This has left my finances in a mess and will, I'm sure, affect my credit. I will never do business with a major bank again.

So why does Bank of America continue let charges go through my account via my old bank card? I called the bank on September 11, 2014 and asked them why these charges were still being processed after I had reported my old card lost/stolen, and was already using the new card that was sent to me. I was told the charges were processed because it was considered a "recurring charge". What? That's ridiculous and wrong on so many levels. I demanded the charges be reversed and was transferred to the fraud protection department. I explained the same situation I told the Bank of America Representative to the fraud protection agent, and a temporary reversal was done until the investigation is completed. I was content with this action and moved on.

It is now September 22, 2014 and to my surprise there is another charge from the same company being processed without authorization. I called the bank again, and was told the bank will honor recurring payments no matter what card was used at the time of set up. This does not seem right to me. I have never heard of a bank conducting business like this. This is not okay.

I have had numerous branches and even a BMO Harris banker call them for a solution and they can't come up with a simple solution for me. I am supposed to try and re-open my father's trust (he is dead and I am not him), then I am supposed to have my brother come to Illinois from Pennsylvania to open a Family trust account at B of A so I can cash their check and distribute the funds then close the account. Apparently my brother is supposed to travel 1000 miles at his expense because they have to see him sign the documents in person. How dysfunctional is that? According to my father's trust and the family trust the money should go directly to us but no one at the bank can read.

I am fed up. No one should consider putting their money in this bank or doing any other sort of business with them. The bank sucks and is full of rude, obnoxious, incompetent thieves. My parents must be rolling in their graves knowing that the little bit of money they saved hasn't been given to their children. No wonder they are paying exorbitant fines to the gov't. Apparently they need my family's money to satisfy the fines.

On a different occasion, I had a refund check from Farmers Insurance made out to me and because I did not have a checking account with BofA (as if I would), he could not cash the $95.00 business check for me. Citibank might renege on the funds! This was the same teller, who again, had to ask his supervisor. Never mind that the bank manager was oblivious to running and screaming children who were crawling on the bank furniture and acting as if they were in a public playground. Because my mother chose BofA years ago, I will continue to honor her wishes and will not move her money, although it would serve BofA right if I moved every cent! Their customer disservice is indeed penny-wise and pound foolish. I cashed my Farmers refund check at US Bank where the customer service is really service with a smile. Never a problem there, only at BofA.

So the funds for payment of the check weren't deducted from my account until 09/11/2014 (which is today), but the bank hasn't followed their own procedure as explained by the representative. They did charge me a $35 OD fee prior to the end of this day. They did not wait until 8:00pm EST to allow me to clear the overdraft. (Incidentally more than sufficient funding to cover the check was credited to my account early this morning, so they never should have charged the $35 OD fee.) When I called and spoke with 2 representatives they were both kind and provided good customer service (both told me this bank does this to people all the time) and both commented on how calm and polite, and patient I was being.

However when I was transferred to a supervisor, Robert in Customer Service, I was berated, spoken to like I was a child, offered no assistance, was given information that conflicted with the prior representative I spoke with, and eventually ended up being given conflicting information by the supervisor himself. First he said the bank will cash post dated checks at the Teller or ATM. When I told him tellers at BOA have repeatedly refused to cash post dated checks for me, he then said, "Oh well, the ATM doesn't know the difference!" He refused to do anything. I called back and spoke with the second representative (as I stated above I spoke with 2) and she was extremely helpful. She gave me the same info as the first representative, stated it shouldn't have happened this way, and told me she proceeded to file a complaint against the supervisor who had me so upset at the end of the conversation, I actually raised my voice to him.

She agreed this was terrible treatment and bad customer service on the part of the supervisor, very unprofessional; and even worse because I've had this account since the 1970s. Now I'm supposed to trust this representative, on her word (no confirmation number, no email confirmation) that this report was actually filed. I have no way of knowing, and no reason to trust anyone from BOA. With practices like this is no wonder BOA is constantly being hit with lawsuits, and having to send out compensation checks to their depositors. I feel the BOA supervisor should be reprimanded for his actions, and that BOA should refund the $35 OD fee.

We have been with BOA for 25 years and never once have they asked this question. We even briefly worked as employees for BOA for one grueling year in 2008. There is no resolution to our Bill Pay yet although they say our account is now unfrozen and we can have access to our money again. I have no confidence in this bank, their customer service, their "banking centers" nor their management. The inconvenience this has caused is enormous and our confidence in the mega-bank is completely eroded. I encourage all of you to move your assets to credit unions who care about customer service would never pull such nonsense. BOA is treating us like "terrorists" because their records are incomplete. How about a simple phone call to find out if my husband is a US citizen before you freeze a bank account, cut off access to our money and shut down our Bill Pay?

I got a car loan with them last year. A few days ago I logged on their website to set to draft my account to make a car payment. I then CANCELLED the payment so I can make other bill payments first and feed my family of four (with a newborn) and make the car payment on the next paycheck. Lo and behold - they debited my account for the car payment on Wednesday and my checking account is now over $500 overdrawn and I'm being charged over $200 in overdraft fees because of Bank of America!!! I called about the payment and tell them the payment was canceled. After transferring to 7 different reps, the online banking rep was able to find the cancellation but denied the refund due to policy!!! So now I'm stuck with a negative account and no money to feed my family until the 15th!

Original Review: Sept. 4, 2014

IT clearly states on atm All check deposits by 8Pm will be credited to cover next days transactions. I deposited two local checks and a third cash. This was over the holiday weekend on Saturday. They held 130 of the 520 deposit causing me to get an overdraft the following Wednesday. Today is Thursday and I called and they refused to give me the 35.00 fee back and could not give me a reason why they held the local checks for several days.

This has happened almost every time my car payment is close to my direct deposit. NOT BEFORE, the car payment check posts after direct deposit. They can't say deposit not recognized until 9 am next biz day because I could withdraw $300 at 12:15 am if i wanted.. That is why I get direct deposit. Called today and was on hold 30 minutes and never reached anyone.

Went to the Ballard branch, where the employees are nice and former banker mgr was great. New guy is awful. I talked to the woman, saying "how can I have an overdraft, when my direct deposit posted at 12:01 am on 9/3 and there was no check processing before that even at 11:58 on 9/2?" I had like $60 in the acct. I had several screenshots showing no negative activity from 11 pm 9/2 to 1 am 9/3 (have to sleep sometimes). She tried to say I wrote the check a week ago, even though I mailed it Saturday to Richland WA, on 8/30 and made it sound they can use that date?

If the middle-of-the-night BS automated system couldn't screw me, someone in the AM just manually changes the day in the system. If I post-dated the check, they wouldn't care. Then the guy, jerk mgr said, "you need to have funds in the acct. This happened last month." NOT true. 2 months ago but same thing. In fact, that is the ONLY time i get those, but happened a lot! The thing is I DID have the funds before check cleared. I even have pics of $800 in my checking after deposit. My work contract ended in July so getting unemployment but interviewing. Even UE you can have direct deposit. How can the bank date something to 9/2 not even close to midnight? They did it on 9/3 at 4 or 5 am, and decide to date the check to post on 9/2 when it never did, or even tried to.

Mgr was a jerk, and said I was abusive and he would have me physically removed from the branch because I must lower my voice. I said I was sorry to the woman but said that was criminal, they stole $35 from me. He said, "We are a multi-billion dollar corporation. WE aren't criminals." I said, "All the class-action letters I receive, and settlements seem to contradict that." and I said "I did have the funds in, the direct deposit cleared first and at 1:30 am I had $775 because I'm time stamping their transactions." They have done this many times. Posted a check for the day before my direct deposit posts, even though at midnight of direct deposit, I'm positive. They seemed mad I am on to their BS because they had overturn 2 of them because I showed the pictures of amount in acct, date and time. She said, they can post the date anytime the check was written. The check didn't post before my direct deposit and they have done this a lot.

I will write a money order, but this HAS to be illegal. how can they just decided to post on some date? I should see when the credit union posts, because if it's 9/3, and B of A puts 9/2, because it has to clear GESA first. Sorry for the book. I have some tech savvy and bankers may know finance but they seemed scared about my technical aptitude and "testing" I'm doing. Want to see who else this happens to. Overdrafts occurring AFTER a direct deposit and not EVEN showing a pending transaction.

They blocked my payment to Blue Shield, said nothing to me (email, letter or phone). Our health insurance was cancelled. When I appealed to reinstate, they demanded (reasonably so) a letter from the bank. It took 2 branch visits and 3 phone calls, on lasting 45 minutes, to get a promise of a letter. When the letter arrived after more than 2 weeks, it contained none of the information I asked for. Therefore my appeal was denied. After going into the branch again, got nothing. On the phone, nothing. On live chat for 2 hours, finally told no one could help me, had to get a call back next week, no appointment or anything. Refused to give me any information about how to file a complaint. Gave me the branch address when asked for corporate HQ address..... Refused to tell me which regulatory agency had jurisdiction.... much less a website.

Then, at the end, asked me to please not file a complaint until I talked to the CS rep "sometime after Tuesday." Amazing. He said he could see nothing about my previous contacts about this exact issue and that the problem was complicated and they had to "research it" before getting back to me. This was the excuse of why it took 2 weeks last time. I still have no proof for my appeal. The clock is running out and my employees are going to be furious. I pray no one gets sick. While I was trying to get the stuff screen shot and printed, I asked him not to log off, he promised not to, then he logged off!!

Original Review: Aug. 29, 2014

Bank of America changed my contract that I have since 1998. Now this Bank it’s been charging me $25 for Advantage Monthly Maintenance Fee. I opened an account on Bank of America since 1998 and the Agreement was that this account was free of charge with no monthly fees or Annual fees by having Direct deposit. During all these years the company never charged me anything until the month of April of 2014, when they started charging me a monthly charge of $25. I tried to contacted customer service and I was told that I needed to go to the location I opened my account to clarify all my questions. Today I went to the Location of Bank of America 6600 Laurel Canyon Blvd North Hollywood, CA 91606. This is the Location where I opened my account, and I was told by ** that my contract changed and there was no way to get reimburse for the charges I have. I was never notify about any changes on my account.

I found this interesting because they (BOA) were able to take action on the "official order from the IRS" to levy our accounts within 30 minutes of receipt, but could not take action to open my accounts before 5-7 days after receiving another official order from the IRS to release the levy. I was told by the supervisor that since it was a legal matter the legal department has to process the paperwork, scan it into our files then take action. This is the same department that took action to freeze my accounts so rapidly. It was confirmed that they actually received two orders from the IRS to release the levy but still no resolution to my request.

I believe it is due to the fact I am just a very small consumer duck in a very large corporate pond. My measly $2000.00 and change makes no difference to Bank of America but to a father of sons two years and another at 8 months, this is our life savings and with Labor Day weekend on the horizon my plight will go unheard for another 4 days. In the meantime I will struggle to find cash for necessities and survive through a long three day weekend. Thank you.

Then the first of this month I get a call from a 4th Customer Svc. Manager introducing themselves. Then 3 days later I get another call from my 5th customer service manager introducing themselves. In the meantime I was working with the Escalations Dept - they researched and found no correspondence was ever sent to us stating anything about our loan status. She said she can go no further and so I asked for an address where I could file a complaint. They are unbelievable and I am no further than I was in February.

WHY? WHO THE ** IS TRYING TO PAY MY LOANS FOR ME THAT YOU HAVE TO VERIFY MY IDENTITY WITH MY PHONE BEFORE I CAN PAY? I will literally NEVER have ANY business with Bank Of America again after this loan term is over. ** them and their ** customer service. You will HATE yourself if you use this bank for anything. Ever. EVER. Just don't do it.

Eventually Bank of America closed my account, charged the amount off and reported me to their consumer reporting agency in Arizona. Now under Federal Law, the agency can only report this information for 5 years. Well when the 5 years was getting ready to expire, Bank of America re-reported to the consumer reporting agency, which now make the report go 10 years. And yeah you guessed it - nearing the end of the 10 years, Bank of America re-reported it again. Now we are working on 15 years the account has been with a consumer reporting agency.

On Friday, August 1, 2014, that's exactly what I did. I proceeded to my local branch with the information on the cleared checks, and they told me that the Risk Department has my account. They stated they cannot remove the hold personally, it's up to the Risk Department. They took my information and faxed it over to that department. I also talked to the Risk Department that day and they told me someone will look over the information and decide to either to release the hold Monday or Wednesday, or Thursday. I don't understand how a company can treat a long time customer like that. They said to me when they put the hold on my account that they felt the checks may be returned. Where do they get this information from? A company cannot go by a hunched. What they felt was totally wrong, and in the process my account is in the negative. They are really messing up my account. I've had some items come into my account since the hold that they placed on my account, and they are being returned. Which is causing my already over draft account to go over even more. What am I suppose to do? I know this is wrong!!

When I called and spoke to many different agents and supervisors, they basically did not give a **. Technically I was late to pay the credit card and I was overdrafted but what the heck? This is supposed to be understanding. It's a mistake I made and it's very clear. It's very naive and understandable. I work for a big company and when I have a customer with a similar problem, if he massed up with no bad intentions, I use all my waiver or my full support to help fix his issue. I am going to close all my accounts with them and I will tell anyone to stop banking with this kind of business minded people.

After all was said and done, he said I was set and to expect the machine in the mail by the July 4th weekend. He said, and I quote, 'If you don't have it by the 4th, I'll come meet you in person and bring you one.' The machine didn't arrive. I knew it was close to the holiday weekend so I figured it would arrive the following week. Since he assured me all was set and it was just a matter of teaching me how to use the device once I got it, I went ahead and told clients I could take credit card payments.

After two weeks and nothing in the mail I started calling him and nothing. No callback or e-mails. I'm a contractor and took on clients who could only pay with credit card because he said I was set. I waived the 50% deposit for materials because the machine hadn't arrived yet so I paid for the materials to get the projects started out of pocket. Now it's been three weeks and I can't get him to take a call or respond to e-mails. I have projects that are about to be complemented and I still don't have the credit card machine promised. I'll likely lose thousands of dollars because I can't collect on completed projects.

Tried calling their customer service merchant services number and they said all they can do is try to reach him for me because they can't even access his notes. Did you know BoA has deactivated their complaints phone number? They just give you an address to mail them to. Doesn't that alone tell you a lot about their customer service as a whole?

Several weeks later I get a call from the original loan person telling me I didn't answer his questions properly and he gets all huffy that I didn't give him all the information he required. However, the information he claimed was missing was given to the second load officer. Do you people not talk to each other? Why are you getting mad at me for your lack of communication? I'm about at the end of my rope so I cancel the refi. The original loan person decides to talk to me as though he's my father, telling me how difficult I am and how I should act. I hang up. Email him that I want the refi cancelled. He replies that he needs confirmation over the phone. What? I want a paper trail. But fine. Ok. Whatever. He calls back and all I say is cancel the refi.

He starts in again about being professional and telling me how to act. I think I was being very patient given the many incongruous hoops that come with dealing with BOA. And for my trouble I get some kid reprimanding me for my behavior. Outrageous! Where do these people get the nerve?! So I took my business to another lender and had a most pleasant experience! They were even good enough to tell me that a refi didn't make sense because I wouldn't save enough money to justify their fees. THAT'S how to treat your customers. Next chance I get I'm moving my mortgage elsewhere.

When I chatted with the customer service rep, he told me that it was their policy to apply your payment to the lower rate balance (including the interest accrued), with none of it applying to either the interest or balance of the higher rate portion until the minimum is exceeded. So in effect, they continue to add the interest on the higher rate portion as new debt (and consequently more interest charged next month). It makes it almost impossible to even begin to make a dent in your debt until you pay the minimum, plus the interest on the higher balance portion and then your additional principal.

Original Review: July 24, 2014

I have been sick and tired of their fees for awhile, but the latest episode brought me over the edge. Imagine the IRS decides to place a hold on your acct. That is bad enough... Getting the hold off is easy, but BOA then charges you 100.00 for legal fees. Think about this, they give you no legal bill, no invoice, no warning of the legal fee or anything. When the hold is taken off, they keep the 100 and call it a legal fee... so basically they can go into your account and deduct whatever they want... Yea go and try to talk to one of their robots at the branch, they are useless and financial slaves for BOA. They don't question. They don't think. They just take fees... They could careless about your situation either... easy to forget their pathetic ** were bailed out by the tax payer not so long ago.

When I asked to be transferred to a supervisor or manager I was transferred to another country. The woman Nina could not even pronounce my last name which was listed on the screen. When I asked her for her supervisor she advised me that I had reached the highest level of escalation. I know that is some crap..... She then offered to let me speak to her peer. Who does that? I said fine then, Carlos ** came on the line to inform me that if my transaction had been a point of sale no fee would have been charged but since it was an automatic draft I was charged a fee. I was livid with him.

To begin with why is BOA outsourcing customer service escalation calls when people right here are out of work and needing jobs? None the less Mr. ** could not make the adjustment and I feel that there was no one in that building who could do that. I should have learned when BOA paid me a portion of a class action law suit to get out then. But now I am going to take my complaint to the masses and post on FB and all other media sources.

I have been a customer for 10 years and I explained to the man that I am currently in another state caring for my grandmother who has Dementia. I did not think that I needed to run to the ATM and deposit .07 cents to keep from being charged 35.00. I feel violated and I think that BOA should be ashamed of themselves for these types of practices..... Shame on you Bank of America..... Shame on you!!!!!

Five days later no card and no email or call. I call back. "Oh, we have nothing on record for you to be receiving a new card. Sorry for the mistake and I will expedite you out one. You'll get it in two days." Fine. We all make mistakes. I get the card in two days and I call the number to authorize it. Great, it is authorized and it says I am ready to go. So at the ATM I figured I would get a prompt saying this is a new card and to input a new PIN. Wrong. Transaction cancelled. So I call AGAIN, third time. I am informed that the PIN number would be coming in the mail FIVE TO SEVEN business days after the card. What??? Why was I not told that? Why is that not on the literature that comes with the card???

But here is the kicker: I am then told that B of A, being the nice guys that they are, will subtract the $15.00 fee I was charged for the expedited card!! WHAT? Yep, B of A said they were doing me a favor and then charged me for it. I would have caught it on my online banking but hadn't seen it yet. Then he informs me there is no way to get the PIN to me quicker... five to seven business days. So you send me a card quicker so that I can still wait five to seven days. Are you people OUT OF YOUR MINDS????

If online banking is "safe", why would not be putting the PIN number online be "safe"... is US mail fool proof? Perfect? All of this is even more stunning in the fact that B of A has few branches and forces people to use ATMs... they want them to. They have no interest in employees and the associated costs so they have few locations with HUGE lines and wait times. I would think that if you were running a business model that wants to do "A", you would be good at it. I was obviously wrong.

On Monday, my fiancé had to sign a power of attorney. We scheduled all the utilities, scheduled the mover, the cleaners; we changed our mail. Now BoA is coming back saying sorry we can't close tomorrow and we can't give you a new closing date. I mean what are we supposed to tell the sellers? Someone dropped the ball on this one. They've had all our paperwork for a month now. We decided to give BoA our business and this is how we are treated? This is completely unacceptable. Someone at BoA needs to get this fixed IMMEDIATELY!!

Original Review: July 16, 2014

Worst bank experience EVER! Bait and SWITCH. Bank of America promotion to get 10,000 Alaska miles NOT honored nor any other promotions. Waste of my time! Customer service at this location VERY inadequate. I did everything I was supposed to as a customer and Bank of America decided they would add a few new rules after I complied, including switching my direct deposits (and you know how much of a hassle that is) to their bank. This will be a number of reviews that I will be writing including doing a number of other "promotions" for them on my Facebook and elsewhere, including word of mouth.

I will NEVER and let me repeat NEVER do any additional new business with Bank of America. My 10,000 points "promotion" for them is beginning… NOW. US Bank has been my bank for 20 years. Now I know why. This location just needs to be closed down. Again, repeat: Bait and Switch. That's all you need to know. Bad business to a good (and I mean GOOD) customer.

It’s so funny because a company I do business with literally just moved their account to PHC. I'm going to their branch today and also CHASE to see what they have. I'm sure no banks acts like Bank of America. Just check this out. You can only make a credit card payment if you have enough funds. I made a payment after my deposit was showing available balance… AND I still get charged overdraft fee. Why do you show me available balance and let me make the transfer if the funds ain't cleared in the account yet. The logical thing would be to prompt and say “your funds cannot be completed yet due to insufficient funds.”

Bank of America is out to get you. I explained to the agent that this is not right charging another $35 for a $35 extended non sufficient fund fee that they originally charged not even after 5 days lapse. I also bank with Chase and the only time Chase charges you non sufficient funds are live written checks with your signature that was returned non sufficient. Chase does not charge you when you pay online and it gets returned. No wonder Bank of America is always in the news for big time lawsuits. I have moved my mother's account to Chase. I like them better. Bank of America Stinks.

Original Review: July 8, 2014

I have been with Bank of America for over 5 years. I opened my Campus Edge account when I began college. I recently received a letter stating my Campus Edge account was expiring and I would automatically be switching to the Core Checking. The Core Checking account has minimum balances that are required or you pay a fee when that balance is not met. I've contacted Bank of America and it does not offer another option for a lower balance.

This is a huge disappointment for recent graduates with student loan debt, rent, bills, daily cost of living and average paying jobs (all conditions that are prevalent in today's economy and would inhibit someone from maintaining large sums of money at any given time). I will be closing my account today and switching to a bank with no minimum balance requirements. It seems counterproductive to me to penalize someone by taking their money, when it's money that you're trying to help them build.

This one particular time I saw an $18.00 fee on my account. I called the bank and asked why I was charged the $18.00 fee? The lady on the phone told me that I was charged the $18.00 fee because I didn't spend $250.00 on my debt card for the month of June 2014. I told her that I did spend over $378.00 then she told me that I had credit back to my account from home depot for the total amount of $130.00. I told her that I had bought a power drill and wasn't working properly and I had to take it back. Then she said that because of that I had only net spend $248.00 on my debt card therefore I was $2.00 less than my minimum requirements of $250.00. I told her that I wasn't aware of the -2.00 and also I wasn't aware that if I had to return something back, it doesn't count.

I asked her if there's anything she could do to waive that fee. I also told her I've been with the bank for over 5 years with a good standing, with an average balance of over $11,000.00 every month. She told me it's a legitimate fee and she wasn't going to waive it. I told her that I was really disappointed with the level of service I'm getting and with all these excessive fees. She didn't seem to care. So I went to the bank the same day and closed my account and opened one w/ a credit union. No minimum to spend or balance and I'm very happy. Never Again. We've a choice people!

I'm sooo SICK OF IT. I wrote checks or used my debit card in excess of an arbitrary $250 limit they last told me I had to spend with my debit card, and I still got hit with the service fee. I have a large amount of money collectively in several accounts, none of which draws more than a few cents in interest, and yet Bank of America has the chutzpah to charge a service fee for an arbitrary rule, which I don't see how it benefits them, much less myself. IMO, a VERY customer "unfriendly" way of doing business. But hey, it's BA, I guess they can do what they want. Maybe I should do the same and move my money/business elsewhere.

My complaint is BoA should not have let either charge go through if I didn't have sufficient funds to cover the charges. I was told I was given that option in the packet they gave me when I first signed up with BoA. Unfortunately for me I missed this when I read over the information I was given when opening my account. I firmly believe this option should be given verbally, and in my case it was not.

I will close my BoA account down when this is taken care of, but after talking to two supervisors and spending over two hours on this issue yesterday and today, I am very upset. Both supervisors could merely tell me to talk to the claims dept. Once I got to that dept I was told I would have to wait to file a claim AFTER the charges were posted. SOOOOOO BoA charged me an overdraft fee of $35 when the charges haven't even gone through. How can this be?

My wife called later and closed her old credit card. She specifically read the card details over the phone, digit by digit. A couple of weeks later I got a letter stating that we should receive our cards shortly. Nothing happen for another two weeks though, so I finally called in last Tuesday (6/17/2014). After spending two hours on the phone with a number of people from different departments, I still got no explanation. All they were able to tell me that instead of closing my wife’s old credit card, BOA closed our application for new cash rewards cards instead. I was promised a call back within 48 hours.

Almost a week later, I still got no call back. Instead, I got a letter in a mail on Friday stating that BOA could not re-activate our applications as the product was no longer available. I need a promised call back with a clear explanation of the following: Why was our application closed in a first place? Why are we not getting something we were approved for and informed that the product was already on the way?

I checked the site a few days later and saw that payment had been made and a zero balance. As I was still concerned as to why auto pay did not work even after six months, I logged on again and this time saw a balance of the $150. Account activity showed my payment had been returned and there was no other explanation. I then called B of A and was put on hold for 20 minutes and then received the dial tone. I then started over again and after 15 minutes, actually got to speak to someone. I was informed that they had not been able to locate my bank and that was why it was marked returned. They told me that they could take a payment over the phone using the same bank as my auto pay, so I authorized that and they informed me that the transaction had been completed satisfactorily and I then had a zero balance. I then asked how come the bank was not recognized for auto pay when it had been six months previously and again today.

They did not know, and then asked if there was anything else they could help me with. I told them, "Yes, please confirm again that I have a zero balance and then cancel the card with immediate effect." They informed me that this has been done. I then ended the call, but felt I had been dealing with a zombie from a distant planet. Let's hope that is the end of it, but I will check again in a week (still before the due date) and see if the balance has remained at zero.

One day, in keeping with the theme of trying to alternate the use of my cards and maintain some semblance of activity, I went to use the Visa and had the card declined. Stunned, I immediately called and was told there was a past due (may have been a few months) $300 balance. This was such a trivial amount that I laughed, apologized for the mistake and promptly overpaid the account by a small amount. Time from realization to resolution was about 30 minutes, if that. I thought that was the end of it. I was wrong. To my absolute amazement the company closed my nearly 20-year account without so much as a thought. One would ask how I could have missed the bill. The answer is simple. The bills for my BofA MasterCard and Visa cards arrive in identical envelopes.

When they arrive, I don't even open them because in my mind I know which card I have used, what I have charged and what I owe. I just call the customer service number, enable phone payment then shred the unopened bill. I have asked in the past if they can email the bills as I am so busy I rarely have a chance to check my snail mail but they said no. In this day and age, oddly, email billing notification is apparently not a service BofA currently offers. In any event, as in my mind the charge was only on the MasterCard I just kept calling that customer service number and hugely overpaying the bill by a factor of nearly 10x whilst unbeknownst to me the Visa bill just languished. Since this event I have called customer service repeatedly and literally begged them to reinstate the card.

At their suggestion, I even went into a local branch to plead my case to no avail. In a world where I get a competing credit card solicitation in the mail every week and have for decades one might wonder why I have tried so hard to stay with my old BofA card. The answer is simple. Look again at the first paragraph above. My cards are all about 20 years old and have been the only cards I have ever had or wanted. It is something I am quite proud of and as stupid as it sounds I practically think of them as family. They have been with me through thick and thin. I don't want any other cards and I certainly don't want a new card that says member since 2014. I pleaded my case with customer service asking if anything like this had ever happened in my nearly 20-year history. No. Why then did no one call or email? Didn't anyone care? I urged them to look at the sister MasterCard.

Why would I be making such outsize payments on that card when the Visa bill was so overdue and the amount so small? Look at how quickly I paid once I realized that there was a problem. Time from declined charge to over payment was 30 minutes or less. They couldn't have cared less. At each interaction I got the impression that no one really cared to hear my explanations. Despite their description of my credit with them as excellent they had their procedure, they had followed it and nothing else mattered. So what if a 20-year customer made a simple and easily explained error and was now literally begging them for assistance. Irrelevant. BofA is a huge company and I guess one of the benefits of that is that they quite literally don't have to care, not even about their core longtime customers. Point taken.

BANK OF AMERICA SUCKS!!!! So if you need a bank don't even spit on this bank if its of FIRE. Just keep on walking because they will STEAL and ROB YOU BLIND. There is A SPECIAL PLACE IN HELL FOR THIS BANK AND ALL WHO PROFIT ON ROBBING POOR, DISABLED PEOPLE. I Just feel sorry for the poor souls that have to work at these businesses....... I could just imagine how many complaints they deal with AFTER BANK OF AMERICA ROBS PEOPLE AND THEY HAVE TO DEAL WITH IT..... No wonder there is a new teller every week. Bank Of America SUCKS AND STEALS YOUR MONEY!!!!

I handed her the $40 and asked for one of those rolls. She gave me the roll, and prepared to give me a ten and a five dollar bill, but then asked "Is this right? What did you give me?" "Forty dollars? Two twenties I got out of the ATM?" So she gave me the roll and the change, and I proceeded to McDonald's to order breakfast. And pay for it with these odd poorly known coins.

Before I got to the drive through, on a whim, I decided to count the coins I had. I counted 24 coins. I counted them again, second time, 24 coins. I counted them a third time, still only 24. So I paid for breakfast with my debit card and returned to BofA. I marched right in, and this time there was a queue of people waiting in line for two tellers. My former teller was open and just then asked for the next customer. I marched past the line, told that customer they would not be able to be served by her, and walked straight up to her counter.

I opened the roll, and dumped the coins in front of her, and told her that she had shortchanged me by a dollar. I asked for a dollar coin. She told me that since I had left the bank without counting them, that I would not get a dollar from her. Again I asked for the dollar she had shorted me by. She explained that she could not give me a dollar as I had left the bank already. We went around and around like this for five minutes or more. She told me I would need to sit down and wait for her manager to take care of the problem. I told her that I was not sitting down and waiting - for one thing, I was already late for work, and another thing, told her that this problem goes away with only a dollar. She said that the problem will not go away as she would be short in her till by a dollar. She told me several times that she herself rolled those coins. I pointed out to her that she had opened one of the rolls she gave me and must have in some way mishandled the cash when she put the coins back into the roll.

She said that if I did not sit down and wait for the manager, she would signal security and have me removed from the building. I told her that I would call the police on her and the bank and report a crime of theft there. She said go ahead and call. Eventually she picked up all the coins (not my coins, there were multiple single sacks and Susan B's that belonged to the bank) and other things on her counter and put them down below, and went to the back to speak with her manager. Several minutes later she came back, and told me that her manager had overridden her and was instructed to give me my dollar.

She asked me if I was a bank customer (apparently she had forgotten that I had mentioned I got the $40 from the ATM). I said yes, and she asked me to use my debit card in the reader, so I did, and then she asked me to enter my PIN, which I did. Then she told me that if she was short a dollar at the end of the day my account would be debited for one dollar. After she gave me my dollar, I thanked her and told her to have a nice day, and left. My bank account was never debited for a dollar. This teller needs to be retrained or reprimanded (not fired, unless she intentionally tried to steal a dollar from me, which I really doubt) for incompetence. Not only did she mishandle money entrusted to her, she couldn't even remember how much money was handed to her by a customer and had to ask him how much change to give back. Is this the level of expertise we are to expect from Bank of America nowadays?

Sarah is a good representative. Keep up the good work. One day you will achieve your goals and objectives in life.... Thank you for being very nice.

I called back to find out what else they wanted. For about 45 minutes, their service representative maintained that what we had sent was insufficient, but he couldn't or wouldn't tell us why. Finally he told me we needed to submit the Virginia Small Estate Affidavit. So, we filled that form out, got it notarized, and sent that. Weeks passed and then we got another letter, saying we had filled that out wrong but not telling us what about it was wrong. (It is a very simple form.) According to what my wife and I had read, we didn't think we even needed to submit the Affidavit since there is no will to probate and the estate is <$50,000 (Our son's entire estate is well under $5000).

This is emotionally draining, and it's extremely frustrating fighting with this huge corporation over something that is a pittance to them. Incidentally, my son had another bank account in which he had several thousand dollars. That bank compassionately and efficiently helped us get the money our son had on deposit when he died. In fact every other business organization and government agency has been helpful and compassionate. But not the Bank of America who have consistently been uncooperative and unhelpful. We would give up because of the small amount involved, but this is obviously what BoA is trying to achieve, and it outrages us that Bank of America is trying to reap profits off our son's death.

We called Bank of America on June 6th and asked if we were able to do this and they told us that would be fine and to just visit a local branch, so we did. We then received all our information in the mail on Tuesday, June 10th, including our card, etc. When my husband went to activate the card, the service told him that we did not have an active account, so my husband then visited a branch in Annapolis to figure out what was going on. He spoke with a Mr. Michael ** at this branch who told him that our account had been considered a "risk closure" and that our account was not closed yet frozen because my husband hadn't shown two forms of I.D. Now here's my confusion before I continue, when activating your account online, they do not ask for two forms of I.D. they ask for your social security information and your drivers license information. When we had visited the first branch on June 6th, they again did not ask for two forms of I.D. just his social security number and his driver's license. On top of that, why did we continue to receive information in the mail for an ACTIVE account yet no notice at all that our account would be put on hold?!

Mr. ** then proceeded to tell us that our account would be completely open and all of our checks and bills will have gone through Thursday (yesterday) and to just email him at the end of the week when we were on our way in and regardless of what he was doing, he would come into the branch and fix our account problem. I emailed him, last night and never got a response. Christian, my husband, called him today, and the branch told him that Mr. ** would not be in today and that our account was completely closed and our money, in full, would be sent back to us in 3-5 business days. We have now spent most of the day on the phone with Bank of America associates and managers wondering why the hell our account is no longer active and asking what the hell is going to happen with our bills that are due, and they can give us no real information.

Regardless of the poor reviews we have received about Bank of America, we had assumed that all banks had the same problems, and we should just give this bank a try. Now I am completely disappointed and frustrated that we now have to find a different bank to open with and cannot pay any of our bills which were due this week until next week when Bank of America decides to send us our money back. On top of that Christian, my husband, is expecting a tax return that is supposed to go into the Bank of America account when it's in, so now that's another issue we have to deal with on top of our bills being delayed and having no access to funds. Thank god we have a little cash for gas or we'd really be screwed. YOU WILL NEVER CATCH ME IN A BANK OF AMERICA AGAIN!!

All individuals involved early on in the mortgage application process knew it was a HUD property with a deadline to close. It was under my assumption that the 45-60 days to close started from the beginning of me choosing a property and the bid being accepted. I know it was not the individual's total fault it did take longer than expected to get contractor bids in. But in all, it was only a 2 week delay. I was submitting documents to the individual, who I thought was processing the loan, not just collecting to give to someone else to process. I was not informed otherwise and actually brought up the potential closing date of 6/2 or 6/3 to the individual loan officer. This loan officer did not correct me once over the 2-3 week period I was working with him.

As a first time home buyer and a person who has never dealt with the 203K loan process, how was I to know? I felt that I was not fully educated on the process and what to expect. As a loan officer, I think that should be a big part of the mortgage application process. The customer should fully understand the expectation of the loan terms and what to expect throughout the process. I later received a call from a loan processor, which surprised me, because I was told my loan was going to underwriting. I then thought maybe this was just a short step until it went to underwriting for final approval. I found at that moment in time that the 45-60 days started from that date. Needless to say, I was shocked. I truly believed I would be closing in a week or two.

I scheduled time off from work and made arrangements as such. I gave my credit card number for the appraisal based upon the uncorrected assumption that I was going to be closing soon. I also thought paperwork would be mailed authorizing such a charge. In speaking with the loan processor at this point in time I was very upset. Fault not being hers or anyone on the fulfillment end of things, but I did not know who else to take the frustration out on. Reminding you, I'm still confused at the whole BOA 203K mortgage process. I now know the fault lies within sales. The loan processor told me when questioned that my file was not out of underwriting and that when out of underwriting it would take 1 to 2 weeks to order and complete the appraisal.

I felt this gave me some adequate thinking time on if I wanted to continue my mortgage application process with BOA and to find a new lender. If I had known the appraisal was going to be completed the next Monday, I would have cancelled that same day. I later find out a few days later that my credit card was charged $600.00. Again I was shocked. I work 12 hours shifts overnight, so by this time it was Saturday at 5 am when I discovered the charge. I was also given an application packet with several pages in it to read and understand. I was not given adequate time to read and understand before I knew what giving my credit card number for a future appraisal would cost me. Keep in mind I gave my card information under false pretenses which truth had recently came light.

I was having trouble reading this "packet of information" which included the disclosures. I think that this practice should be reevaluated at BOA. Credit card information for appraisal should be given only upon complete understanding on how this charge works. If that is already BOA's policy, then the system is severely flawed. I didn't have a chance to even read the disclosure statements before my credit card was charged. I did not acknowledge my understanding of the paperwork and I was not informed of the appraisal inspection date correctly. I was mislead, may it have been accidental or on purpose I was not in complete understanding. The phrase I keep hearing when speaking to various individuals on the phone is that I gave notice on a non business day. I would have given notice earlier had I not been mislead in the appraisal process. I would have made my final decision quicker.

You can see how I got so frustrated when I was told one thing and another thing kept happening. I had faith in BOA, even with the bad publicity the company has been receiving in the press lately. My mother had a mortgage with BOA until it was sold, but I still wanted to go with BOA because I never had issue. I have my checking account and credit card, so why not go to a company who I have entrusted my financial affairs with for home mortgage? I thought the mortgage application process would be a pleasant experience. As a first time home buyer, I found my potential home buying experience with BOA to be quite opposite of that. For lack of better words "I told you so" phrase comes to mind. I can imagine my mom and other people close to me mocking that quote at me. In all, this is more than just about a refund of 600.00. I feel utterly betrayed by several individuals throughout this process.

I am pursuing this case so drastically because of principal. Even if you choose not to refund me the money, which I believe is owed rightfully, I plan to let this situation be known to all that I can. Do not get me wrong and take that statement as a threat, but I am an empathetic person and wouldn't want an individual who has worked so hard for their money to have it taken away under false pretenses. I don't want this situation to happen to others. I am an African American young adult raised in a single family household whose mother's dream was to see me do better than her. My future was carved by college and then a great career and now home ownership. I have worked so diligently to get where I am today and will not take a seat to this situation. I am extremely persistent, as some individual throughout this mortgage process can confirm too. I am not going to name the names of those individuals who I feel have lied to me from the beginning to just get a sale. They know who they are and their own individual consciousness will know.

I feel like a rug that has been stepped on and tossed down a flight of stairs. I am a customer and customer should be put first. In my own chosen career path I put people before me in an almost daily basis, saving lives. Most people know nurses are caring individuals for people who are always there to help. I think it's so unfortunate that me as a young adult, who has made strides to have excellent credit and make smart choices, feel so ignorant in this situation. In fact, this very situation makes me want to cut entire ties with BOA. From a checking account I have had with BOA (for almost 14 years! I was 16 when my mom helped me open one under her) to a fairly new credit card. I really wish circumstances would have been different and confusion did not take place and I could've pursued my mortgage application with BOA. What's done is done, all that could be done is to move forward to salvage what little faith I have with BOA. Refunding the appraisal fee is the correct action to take. Thanks to all for your time.

On Friday May 31,2014, my fiancée went shopping to pick up several last minute items before leaving for vacation for 8 days. When she went to pay for over $160 worth of items, her card was declined. Frustrated, embarrassed and humiliated, she ran to the store atm machine to check her balance, only to see that she had almost $2,500 in her account. She got in her car and drove to the nearest Bank of America ATM to withdrawal enough cash to return to the store and pay for the cart full of items. The ATM returned a message stating her withdrawal request had been denied and that she needed to call the 800 number at BoA. She parked outside the closed bank at 10pm and called the number to the bank. After having to be on hold for well over 20 minutes waiting to talk to someone, a rep at BoA answered and informed her that a security restriction had been placed on her debit card and a new one would be issued and mailed to her.

It was the weekend and she was due to leave for vacation very early on Sat morning, but could not access her checking account to have money for travel, food, lodging etc etc. After pleading for almost 15 mins, she was told she could go back to the atm and withdrawal a pre-authorized amount of cash with a BoA rep on the phone. She withdrew what she could and left the next morning to go off the grid on a houseboat in Utah.

It has now been eight days and the new card has not shown up in the mailbox. The water company has threatened to turn off our water. It's the beginning of the month and bills are due, yet she has no way to pay her bills. She is returning from her vacation tomorrow and is expecting me to tell her that her new card has arrived. Because she's been out of cell phone range for a week, she has no clue that the card has not arrived yet. When she returns, she'll have to call the bank again to find out where her new debit card is. The bank was not able to tell her why the card had been restricted. They only informed her that a purchase had been made which flagged an alert of someone else accessing her card info.

Personally, I use a credit union for my savings and checking accounts, so we know it was not me who used her card for anything. All we can do now is wait until Monday to hope and pray that her new card shows up in the mailbox. By that time, it will have been 10 days since they restricted access to her account. Until then, I will have to pay all our bills and expenses, yet it is the principle of the matter which really counts here. We're fortunate that we have my funds to pay bills etc, because if she were still single she would be helplessly stuck with no money to live on, pay bills etc etc etc.

This is unheard of, overkill and absolutely ridiculous. Bank of America is awful. They have left her otherwise waiting with no idea as to when her new card will be delivered! They are essentially stealing her funds and ability to support herself at the mercy of this poor excuse for a bank. This is totally wrong and unconstitutional. We need legal advise please. We both reside at the same address.

All of a sudden, they say that it was not fraud, so they can't help me. I never said it was fraud - that the check according to the FDIC should not have been approved without being reviewed and without me involved. They are also saying that since the check was put through the ATM, it's a loophole and nothing can be done. They said that if this person went inside a Bank of America branch, then the teller would not have approved it. I asked them how Bank of America has loopholes and I did not receive an answer. They told me that even though this should not have gone through, the money is gone and that's it.

I asked them if there is a fund where they can pay out mistakes from and they did not answer. I told them that I should not have to pay for their mistakes - but I am. Every time I called to speak with a supervisor, I was told that they would call me back within 24-48 hours but I never received calls. Bank of America is not America's bank. I am no longer going to bank with them. I can't trust them.

On Monday May 12th I went to several stores and made debit card purchases of different monetary values, I made two separate purchases at the same store within the space of 2 hours. In the evening I called to verify if my purchases had cleared. Keep in mind that I had more than enough money in my account. I was just very suspicious. All of my debit card purchases cleared by Wed May 14th, except one. This one lone debit card purchase did not clear until today Thursday, May 23, 2014. It took eleven day for this one small debit card purchase to clear?? My gut feeling was right. I see another Class Action Lawsuit for Bank of America in the near future. Let's all monitor our bank accounts carefully and keep records.

I have had my debit card compromised 6 times in 4 years! They cancel your card and send you a new one and the previous few times, with no communication. August of 2013 I went into the branch and got several money orders. The next day my card was compromised. May 16th 2014 (less than a year later) I went into the branch and got a money order. Today I got an email (at least they're communicating with me) that my card has been compromised, and they're sending me a new one in the mail. There has been NO ACTIVITY on this card other than me swiping it at the branch. This is the 3rd (of the 6 times compromised) time this has happened after going into the branch. What is going on at the BofA branches that they can't keep debit cards secure?

I went to the branch and told them I wanted my money and I wanted it in CASH... They advised me that they can only give $5000 in cash. They have to order the rest or I have to take a cashier check. WOW, who knew that a large branch in city with over 100K people and at least 5 other locations wouldn't have enough cash? Shame on you Bank of America. Shame on you for not even trying to salvage a customer of 20 years, a customer with a lot of money and credit cards in your bank. That you don't train your employees to do something other than shrugging your shoulders when customers fire your business.

I then requested a credit report and found a past due payment with FIA card services of $50 on a balance of $52, which I don't deny owing. But I had reported that card lost several months back and was promised a replacement card which I never heard any more from. I never received a statement from FIA Card Services and it slipped my mind that I owed them. Although I have no idea of what the charge was for and it was up to them to bill me or call about a late payment. On the credit report it shows no report for Jan and Feb and OK for March and April but also showing a balance of $52.00 for those two months. After learning that BOA owns FIA, I feel that was the only reason they used to close out my account. Because I had not been in default or late on either BOA accounts and always paid way above the minimum and most of the times paid my balances off early.

So I called FIA Services and they could not tell me why I had not received any statements from them. Then a light bulb came on. I always pay my BOA account online therefore when I receive my BOA statements, I tend to file them away but never open them because I thought that I had no need to since I always check my account and pay online. Well I opened one and what do I see? Instead of BOA it is an FIA statement on the inside of the envelope but the outside address is BOA's. So instead of cancelling the FIA card they did a gut punch. Now to add insult to injury, I received my FIA replacement card in the mail a few days ago with a new credit line of $500 down from $9,000. My credit has always been excellent and I don't know how this will affect it and after the initial shock has worn off, I really don't care. But to those of you who seems to have gotten comfortable with BOA, don't say you haven't been warned. I went through the economy crisis and never had a problem with them lowering my credit line but they finally did me in. That is, they would have if I were in a position where I had to depend on credit.

So I thank them now for removing the temptation. I have one more matter with them and that is to return that $500 FIA card. That made me madder than them closing my account. I can't think of anything that I would use a $500 credit card for other than to present it back to them.

During this same period, a cousin from Italy, opened a BOA account, without a US Passport, no US visa [visa waiver program], NO US driver's license, and was able to deposit $700 without even having legal permission to enter the US, and without having ANY permanent US residency status!!! How is this constitutional to ban US citizens from banking without any violations of banking rules, regs, protocol, etc.? Both my kids, now 25 and 30, had US Passports, US drivers licenses, prior education and work experience in the US, excellent credit to qualify and be issued BOA Visa credit cards [not debit cards]... Their only 'crime' was having living temporarily in Dubai, an Arab country. Our relative, on the other hand, could have been a 'pigeon carrier' for any unknown entity, totally untraceable by BOA's almighty wizard of 'security risks', yet my two kids have been added to BOA's scores of US citizens 'banned for LIFE'... Is there any legitimate recourse?

I have had generous fee refunds that I did not expect or probably even deserve. I should have been more on top of managing my account, but they still cared as I faced personal hardship. I do believe Bank of America is trying to change for the better and I hope they incorporate all the feedback from complaints. No one is perfect and sadly, a lot of bad things come from regulations - not necessarily Bank of America. Please try dealing with them on the phone or online as branches may be excessively overloaded as this is our nation's largest bank - so it is going to be a little different. I would recommend them though - but there seem to be more agents who seem to be willing to help - especially with deposit accounts.

To our surprise our home was put into foreclosure. We did everything we could to work this out. We could not find anyone that would set up an appointment with us. We even brought a realtor in to do a short sale on the home. We were told by BOA that they owned the home and we could not sell it. We have proof that we were less than 62 days late on our payments. We lost our home and our credit is now poor. We have four children and had to move back to Texas to live with family in 2011. We are currently renting a home. We have perfect rental history, and make more than enough to own a decent home. But because BOA destroyed our credit, we cannot purchase a home for our family. There is no stability in renting.

We are so upset with BOA! Do NOT get a home loan from them!!! Once you have a loan with them, you will no longer matter to this banking institute! The worst mistake of our lives! Our credit would be good otherwise! As a parent this is heart-breaking! This bank should be investigated!! All we want is to be able to raise our children in our own home! Very sad!