Bank of America Reviews

I've been with this bank over 20 years, they do not protect your account, my money was taken, I filed with the bank and wasn't ever able to talk to a real physical person, that's unacceptable when it comes to my money. I never got my money back through my bank, I had to get it from the company's guarantee but it took over 6 months. My bank denied me without even talking to me.

Omg!! This is not happening. This bank is the worst bank ever. I have all my information they have requested, they kept my money and Do Not let me transfer a penny of my own money out of Bank of America!!! This is a fraud, complete fraud. It has been days I am trying to use my money from my own account and every time the website is creating nonsense problems. I call the customer service, they play around and hang up. This is unbelievable. Please avoid this bank ❌❌❌❌

Bank of America’s Customer Service, Automated Verification & Erica AI Are an Absolute Nightmare. This has been the absolute worst banking experience of my life, and I have been dealing with these problems for nearly two years. The biggest problem is Bank of America’s customer service system—specifically its call centers, automated identity verification, fraud/security systems, and Erica AI assistant.

The new AI on the customer service line is the most frustrating un user friendly piece of crap I have ever dealt with. Use human beings!!!!

This company sucks, you can never get anyone on the phone. It's nothing but AI, I been having issue logging online and called for help but unable to get with a person and be waiting on the phone for almost an hour and still no live person, then they hang up. For a huge company they don't have any agent or rep will answer the call. I am going to close my account and go somewhere else.

Overall, Bank of America has had very poor service compared to my past experience with Wells Fargo. I’ve chosen to move over to Bank of America because my new spouse and her family all bank there. But I’ve never felt like so little care is given to quality customer service. What really push me over the edge was a temporary hold put on my car by Uber for $22 that was released by Uber six days ago, but it’s still being held by the bank.

I am a loyal, multi-business account holder at Bank of America, and the treatment I have received is unacceptable. On 08/28/2026, a check was deposited and cleared my business account. However, instead of making these funds available as expected, BofA placed a hold on a second business account. This action has caused significant disruption to my business operations. It appears that BofA is using my verified, cleared funds for their own purposes by holding them and preventing me from accessing my own money. This is terrible service and feels like a deliberate attempt to profit from my funds by lending them to others. For a bank to treat a long-standing business customer this way is outrageous. I would caution any small business owner to be wary of Bank of America's practices regarding deposit holds. They seem to have no regard for the disruption these holds cause to their customers' livelihoods. Ritesh

Bank of America facilitates fraud and will steal your money

I've been with Bank of America for over 20+ years. I can understand that over times Policy and protocols may have changed as the economy changes. However, this time Bank of America screwed me big time. I have 2 of their cash rewards credit card of which I use for daily transactions. I've never had any late payments or problems in the past with payments.

Let me start off saying if you bank with Bank of America pull your money. They find a reason to take it!!! Incompetent staff. The branch manager is a joke. Why do I say this and I just got proof from Goverment and Teachers Credit Union. Deposit a check Monday. Both teller and app said will be deposit next business day. By the time I got home the app said there's a hold. Wait 7 days. Called bank and they said protocol to hold to make sure there's no fraud. They said go back to Credit Union. Get proof. They issued the certified cashiers check when this credit union said they released the money to the bank. This all B.S!!!! Been with Bank of America for 6 hrs and they insinuated that I was a thief for real!!!! Did the Bank Manager's job. The Bank I'm talking about is located in Meijers parking lot!!!!! NO STARS. SHITTY UNEDUCATED STAFF!!

I CAN’T BELIEVE YOU DID THIS TO ME! After 20 years of banking with a different institution, I saw Bank of America open a lot of branches here in Salt Lake City so I decided to move my business over. I went online last Friday and opened a checking account and a credit card with Bank of America. I followed ALL THE STEPS NEEDED, entered all my personal information, including my Social Security number on their website, and received confirmation that my checking account and my credit card both were approved and I should be receiving both my debit card and credit card in the mail. All good there.

My cell phone was drained from 78% to 37%. B of A wasted my time and I got nothing accomplished. Capital One is efficient and you can redeem your cash rewards because their prompts makes sense and if properly automated with various selection including your redeeming of Your cash rewards They get a A plus as we’ll discover. B of A gets a F simply because their website states to file a complaint call the numbers they state of their website. Totally untrue as I never spoke to a real person. But you do get placed in hold every time I called. They in turn get a Big F. Pathetic.

The Apex NC branch of Bank of America since after covid pandemic has never gone back to it regular hours or operations. It still closes early at 4 pm. It no longer opens part time from 9am-2pm as they used to before covid. At the least the bank needs to remain open to serve the consumers from 9am to 5pm. The bank needs to provide service for the convenience of their customers and not suit their own.

Extremely Disappointing Treatment After 30 Years as a Customer. I have been a loyal Bank of America customer for approximately 30 years, and after what happened today, I am seriously considering closing my accounts. Two weeks ago, I made a deposit at the bank. I had my Bank of America credit card, my identification available on my phone, and the Bank of America app on my phone. The teller sent an approval request through my app, I completed it, and there were absolutely no issues.

I didn't get all of my order from Cinemark shop. After not getting anywhere with cinemark I filed a dispute with Bank of America credit card and Bank of America sided with cinemark that ripped me off. It was a gift for my kid.

This is a terrible bank. They care nothing about their customers. Being a decades long customer means nothing to them. I will leave this bank ASAP. There are much better banks out there. Bank of America has really shocked and disappointed me. Even the higher up people and their teams are rude. Useless bank. 0 stars is what I give you.

I would Not Recommend anyone doing business with Bank of America. Their customer service is really. One of the rudest ever. I had them years ago, they were ok in the 90's & early 2000's. I was a victim of identity theft & their customer service in the Fraud Department was treating me like a piece of garbage. After I fully explained the situation & what happened to me they were horrible & did not want me opening up a Checking Account. They told me in so many words that I was not good enough because there's a FRAUD ALERT on my file. I advised them I am the one that had a Freeze & an Fraud Alert on my Credit File.

I purchased a product for grill cleaning on 06-02-26 from a company called Nexa. The price was $52.91. The next month I received a recurring charge for $29 and change. Called merchant and informed "Membership Fee". Merchant was "nasty" and I was led to cancel "so called membership fee" that I had no idea about. Next month a charge occurred again? I contacted Bank of America and was informed the "new scam" by merchants. Was informed to cancel card and a new card would be issued. They would not be able to access the new credit card.

My husband and I have been long-time customers of Bank of America and up to this point we were satisfied with their services. However, this changed immediately after dealing with a scammer and trying to reverse transactions at a local Hempstead, NY branch. It was clear the teller did not know how to reverse a transaction and/or to cancel the electronic transfer and after asking for a branch manager, we were told there was no manager working. How does a branch not have a branch manager? This is absurd. We went back to the branch later and the branch manager was there but refused to come to the door to speak to us because it was one minute after 5pm.

If I could zero stars I would. They are thieves!!! Two weeks ago the ATM in Sherman Oaks gave me a destroyed $100, I was given half of a $100, literally and the other half never came out of the ATM. Although the serial number was there and the president's pic was intact bank branch refused to give me a new bill making it so that I couldn't pay some of my bills, I had to file a claim and today they denied my claim and won't credit my account $100. Went to the bank where I got the bill again. Manager refused to give me a new bill. I had to call the 800 number, reopen the claim, sit and write letter of what happen to fax to claims, once again filing a claim and losing money because I could not go to work. I want this resolved. Until then bad reviews will go on Yelp, I will call the news and looking into a lawyer. Pic of bill attached. Name is Kara **.

If I could leave less than one star I would! After being a customer for 8.5 years!!! I had to make a fraud claim! Now the fraud agent I spoke with I guess didn’t know what she was doing, then this charge from the same company 6 times, she filed each one individually and caused me to be flagged as a risk with my account! Without ANY warning what do ever!!! No email, no phone call, nothing… I go to log into my account this morning and it would allow me to log in. I call and was informed my accounts were closed! My savings, my checking, even my joint checking account I have with my son who just moved into college this weekend, 7 hours from us! Took all of his savings and said they would mail me a check to our address!!!! Mean while I have no funds to send him, he had no funds, I have to wait for my money via check, he has to wait for his money to be mailed to me so I can mail it to him!

If I can give 0 stars I would. This bank has allow different companies take 6 to 8 transactions without calling me and confirming if it's ok. Nobody allows a company to take that many payments out without it being suspicious. I have complained but it doesn't matter to this bank. I am going to close my account and never do business with them or companies with any ties with this bank. All I do is get my money taken with this bank.

Francisco **. Great guy, was straight to the point as well as chatted up at the same time. Didn’t think that was possible. Good customer service.

I called Bank of America customer service and inquire if I can do a transaction without a Debit Card, they told me no problem, just to have my ID. I went to 7900 Melrose Ave., Los Angeles, CA 90046 brunch talked to the teller, he refused to process it, I asked for the manager, Mary Torres and she absolutely refused to process the transaction without a Debit Card. She even refused to see a second ID. I had to leave the Bank without my money. I have been with Bank of America for 37 years and this was my first brunch transaction in the last 10 years. You can't trust Bank of America with your money, they will refuse to give it to you in the emergency situation, like mine.

After nearly 12 months of paperwork, repeated requests for the same documentation, and countless back-and-forth communications, Bank of America has still failed to close our loans. Three months ago, we paid approximately $10,000 in closing costs in anticipation of funding, yet we continue to experience delays with no meaningful resolution.

This is the worst, unaccommodating, and stupid bank in the USA. Keep your money out of there! I spent 11 solid hours on the phone with them yesterday. Once they finally got me into mobile banking (I needed Zelle). I was assured my Zelle was ready to go, so I tried to send money. It was for burial plots. I spoke with 9 different people and was confirmed 9 different times. I am 33 yr customer. After all this was told, I could not send money to the seller in NC because she had a flag on her account. She is a freakin monster selling 2 burial plots.

My name is Yangzon. ** was extremely professional and courteous. This company needs more people like **. He is located at branch 18305 Biscayne Boulevard. Very polite and patient young man.

The worst bank.. Customer service stinks. Wait times are almost 30 mins. Debit card does not work. Charges for checking with absolutely no service.

I am a 84 year female with multiple health issues and have done business with B of A for 24 years and never had so much as a one overdraft or any other issues. Today I was shocked that they decided to reverse one of my daughter's disability checks. The amount was $718.34, which in doing so took part of my Social Security check. There is more than enough in my checking or my savings to cover the check if there was a problem, which there won't be. This has left me very disappointed in a bank I have always been proud to be part of. This is no way to treat a customer that has been a good & loyal customer all this time. Now, I wonder if this is preview of things to come as far as treatment of Senior Citizens? I wonder if AI is making these decisions? Based on this behavior I can no longer recommend Seniors put their trust in B of A. Thank you. Mary R from Nevada

**, Rachet and Low vibrational. I have been on and off with BofA for years and the horror stories just get worst and worst every single time. I was simply trying to get a credit limit increase on one of my cards as I have an excellent credit score and was just doing a general inquiry. When I spoke to the underwriting team I could not believe the level of service I received. The most hostile rudest condescending people I have ever spoken to. Disgusting. They have zero customer service skills. It’s like everyone there is in fighting mode. It seems to be a toxic work environment. They talk to you like if you're some type of criminal. Horrendous customer service. I’d suggest you bank somewhere else for any type of banking products. As soon as I get the chance to close this credit card I will be first in line to close it. Highly disgusting.

I was at BofA Herndon Parkway branch and had amazing customer service by Smriti **, She made the banking process easy and fast so I want to thank her very much! Thank you Smriti!

I had been an account or credit card holder for more than 20 years. I stopped using my BofA credit card as frequently because their rewards were not competitive and too many fees, and their website antiquidated. When my other credit card had to be cancelled and replaced due to a fraud charge, I had to use my BofA. Surprisingly it was on hold because an old subscription popped up to renew. It was a pain to get someone on the phone and they wouldn't let me access my account to pay on line. Even after I paid they said I wouldn't have access for 5 days. Just worthless!!! When I finally had access, I used my BofA card for a few things in Jan when I was in Florida on vacation. I never used the card again. I logged in to pay the balance on Feb 24th, and paid the total I saw. 6 months later my regular card has another fraud charge, go to use BofA and its on hold again.

I am writing to formally express my disappointment regarding a recent promotional offer associated with my new Bank of America credit card, as well as the customer service I received when attempting to resolve this matter. I applied for this credit card because the promotional offer prominently advertised 6% cash back, which was the primary reason I chose Bank of America over competing credit card providers. Based on that offer, I made qualifying purchases totaling more than $2,700, fully expecting to receive the advertised promotional cash back.

I tried to apply for a HELOC being mortgage free and my file was directed to Emelin Henriquez. I was prepared to submit all the information that was requested (basically everything but your first born). Every time I completed all the paperwork Emelin ** requested 1 more item. Finally my checklist was done ✔️. I followed up with Emelin ** saying everything has been uploaded to the portal and Emelin Henriquez said she would get back to me within 1-3 days. After 7 days I sent a follow up email. And was sent back an autogenerated email saying Emelin ** was out of the office for 1 week. No problem, everyone deserves holidays.

I stopped by the branch of BOA at 29 Water St New York NY 10004. I spoke to ** and asked about opening IRA account. He said sure and made appointment for me for the call back. He said that IRA account can be opened via phone. It turned out that an IRA account can ony be opened by in-person appointment. So ** has a title of Senior Banker at BOA. Question: If a Senior Banker of BOA doesn't have basic information about opening basic accounts - how he got this position at all?

I would leave 0 or negative stars if possible! With that said Their customer service is a complete dumpster fire and so are their practices! Then when you try to work with them they tell you to GFYS! Bank with anyone other than this company! They are complete Shite!

Boa has great perks on paper. The issue is they make using the perks so incredibly painful that few want to capitalize on them. To replace a HELOC I already have and is secured with by the house and funds in my asset pool, they wanted me to write a letter saying how I have so much money and justify how I make to money I make annually. The perks are only perks if you can use them. I asked why they needed all of what they were asking for and was told “it’s just our policy”.

Worst customer service ever. I deposited. Worst customer service ever. I deposited a cashier check from Well Fargo Bank, they put on hold for more than ten days and no one at Bank of America that I can talk to for reason of holding a cashier check from Well Fargo Bank, they put on hold for more than ten days and no one at Bank of America that I can talk to for reason of holding.

I have been a Preferred Honor member of BofA. I have had excellent service from my local bank. However, dealing with BofA Claims has been a great disappointment.

If I could give less than one star, I would. This bank has gone downhill and has the absolute worst customer service and policies in the industry. I am in the process of closing my accounts with them and moving to another bank. I hope to never deal with this bank ever again.