Bank of America Reviews

By far the worse bank I've ever had dealings with. For one the branches are weird. Just atms no people at most of them. They don't even offer early pay for your direct deposit. I regret sending my money to this bank.

I am not get anyone one to listen to help me with a hardship service. I am purchasing a home and it's delayed due to a withdrawal mistake.

Bank of America sent a security alert about a check. I went into my online banking system and approved the check. But, now the check cannot be found any where in my online banking account. I called Bank of America and spent 45 minutes on the phone with several people...none of who were able to locate the check that I just approved. How can a bank operate like this! If you have any sense, do not bank with Bank of America.

I had a credit card account with them for years and was happy. I was on auto pay and paid off my balance. Because I didn't close auto pay they took out auto pay 2 more months. After arguments with them one payment was refunded. After being told I would receive the second refund in 3-5 business days and not receiving it I contacted them again. They said it was refunded already. The refund they were talking about was from the first one. I explained the refund came before they took the second payment and this was evident on my bank statement. Now they refuse to pay it, Stay away from them, rude and don't listen to what you are saying. I'm not the only one who experienced this I seen by other reviews.

Went into BOA today 5-8-2026 just to cash a check, sat down for about 5 minutes. Three people walked out from the back offices and NOT one of them even acknowleged me, walked back and forth a few times then they all headed to the back offices again, the one teller was with someone, and I could plainly see them and hear them.

Bank of America is the worst bank ever. They allow a lot of fraudulent charges on your account. They'll refund it then say the claim isn't fraudulent. I never received any bike items from temu and yet they are allowing the charges go through. I asked them till wait till payday and they can't even help with that. Has to be the worst bank ever. Plan on closing my account and going elsewhere. This bank truly sucks and they don't care about you as a client.

B of A sucks so bad. Customer since 1991. They suck soooo bad. No service unless you want to borrow money. They suck

Bank has the most terrible wait times on call with customer service, sometimes people are rude on the phone too. I see a lot of complaints against this bank. Not sure why their higher management is not doing anything about it. They should not be allowed to waste people’s time.

Very disappointed in Bank of America. The customer service was not the best. Took almost an hour to get a hold of someone to help me do a cancellation on my external transfer. They need a better customer service.

Wanna get an account? Believe me...don't do it. They charge a lot. Service is horrible.

Did you know that if you have a savings account with Bank of America they will absolutely charge you a monthly fee for no reason at all and then when you called to close it, they won’t answer your phone call. Leave you on hold for over an hour so you’ll hang up and then when you call them and tell them you wanna open a new account they answer in three minutes. I never thought an American bank literally retreat a veteran this way. Our own country's bank treats a veteran in this way. Now I know this country is going to hell in a handbasket.

About 4 years ago, my mother, sister, and I went to a local BOA branch to add me to my mother's checking account so that I could sign checks for her, which I have been doing for 3 years to pay for her carers when her dementia worsened and made her housebound. My mother died 2 weeks ago, so I went back to the branch with the death certificate to close the account. BOA said they have no record of me being added, and I must go to the Probate Court to get a Small Estate Affidavit. I said we saw the lady in the next office. They said that she doesn't work there anymore, and there was nothing they could do. So now I am making multiple trips to Probate court to complete all the forms they require.

Bank of America is the worst bank I had in my life. Poor service expensive fees and overall a bad experience. Trans Union informed me today that bank of America laid a fraud claim against me and after investigation they deleted the claim and for what? I will surely take my business elsewhere.

I activated a Royal Caribbean credit card with this bank, but for four months they failed to inform me that I had an outstanding balance. It was only after four months that they sent me a letter requesting payment. They damaged my credit rating, and whenever I called them, they consistently claimed it was the customer's fault; despite having all my contact information, they refused to take responsibility. To add insult to injury, they lowered my credit limit. I paid off my small debt and terminated my relationship with the bank. The customer service department provided no assistance—what terrible service from this bank.

In this third world country Bank people had never heard about cyber security. Even though I provided all proofs they asked for, I didn't get a refund!!!

On 4/10/2026 we deposited $10,766 as a small business into our small business checking account. On 4/14/2026 it was withdrawn from our merchant's account. Bank of America then help the funds for an additional 7 days before crediting our account. On 4/16/2026 we wrote checks to pay our taxes and expenses. BofA would not honor our checks even after they pulled or held money from our account. The checks we wrote came back of NSF even after on the 14th, $10,766 and then some was received from our merchant and still was withheld from credit. In our personal account we have sent $75,000 and received $100,000 in our personal account and they directly fund it within 24 hours. Why are we penalized as a small business entity. We'll be shopping around for a new bank that supports our vision and needs.

It should be possible to give less than one star. BOA charged $4.95 on a closed account. Spent well over an hour on the phone to resolve the issue and make certain the account was closed. 34 min for the first person to answer my call and take me off hold. Several transfers and multiple people later before any resolution. The last transfer to the next department to help disconnected me. Over an hour and nothing resolved!

So they just decide whenever they want to put a hold on checks you deposit, understandable. But what is not ok is putting that hold on a check for over 2 weeks, even though the money has already been pulled from the account the check is written on 3 days after it was deposited. Bank of America will hold your money hostage, saying it's to verify, even though that is BS.

We spoke to customer service who promised to waive interest charges, that we believe we should not have to pay. They agreed to cancel all the charges, but we were notified by email the next day when we tried to dispute the transaction that they declined it. They set expectations when we spoke to them on the phone and they shouldn’t lie to their customers. When we called them back, I spoke to a supervisor who agreed with us that this was an issue. He said they don’t allow him to make any adjustments, even when the bank is at fault. Bank of America’s policy is to NOT to refund any interest payments. This bank has no ethics or integrity and does not value customer service at all. CLOSING MY ACCOUNT WITH THIS BANK. Never again dealing with this rip-off bank!

They approved me for a credit card, and before I could even activate it, I got a letter saying there was suspicious activity on the account nobody has ever used. Naturally, it won't activate by any means now, and every time I call, I'm on hold for eternity, so I've just given up! Then they sent a letter saying I filed an identity theft claim. Not true! Who does this? They're insane!

ALERT: BOA is changing its DEPOSIT AGREEMENTS to include ARBITRATION and, potentially, ELIMINATE virtually all access to the courts personally or through a class action suit. Unless you keep reading what looks like pages of typical "boiler plate" paragraphs, you will NOT SEE that you can OPT OUT WITHOUT PENALTY. This is unusual because we have become used to "take it or leave it." I strongly urge BOA customers to read and understand this option; you MUST respond or it will automatically go into effect. Let other BOA customers know too.

My experience with Bank of America exposed a serious failure in fraud protection. A fraudulent check was made to appear “available” almost immediately, creating a false sense of legitimacy with no clear warning that the funds were unverified. Scammers exploit this exact gap—pressuring victims to send money before the check actually clears. By the time the fraud is detected, the customer is left bearing the loss. This is more than a flaw—it’s a system that leaves customers vulnerable. “Available” should not be misleading, and the lack of safeguards directly enables scams like the one I experienced.

The phone system is designed to frustrate customers to the point of giving up. Customer service is separated into multiple sections necessitating being transferred multiple times before ever getting to the appropriate place. Each transfer requires waiting on hold again for another 20 to 30 minutes.

Someone else set up a fraudulent account under my name. It is impossible to get a hold of anyone at this bank because the automated teller will not let you speak to anyone unless you have the account number. I do not have the account number because I did not set up the account. In summary: easy for fraudsters to set up a fraudulent account in your name, impossible to rectify the situation.

I have been a customer of Bank of America for over 30 years, and this was by far the worst customer service experience I have ever had. It took an entire week just to add a person to the account, and then only another 10 minutes to process a wire transfer. On my first visit to complete a wire transfer from our business account, I found out that even though I originally opened the account with our LLC documentation, I was never actually added to the account. I was told I needed corporate documents and minutes, and that both account holders had to be present at the same time. I went home and spent significant time preparing all of the requested paperwork.

Very frustrating experience with Bank of America. I filed a dispute for a charge where I ended up with no service, and despite that, the claim was denied. I’m now stuck in a situation where my money is gone, and the bank that’s supposed to protect me did not step in or properly help resolve it. That defeats the whole purpose of trusting a bank to handle disputes. It feels like the process is one-sided and does not truly consider the customer’s situation. Extremely disappointing.

False marketing for credit card. After I signed up, I realized what they promised was not true. Do not choose this bank.

This is one of those cases where 1 star is way way too high. Zero stars is too high. In my opinion, they are beyond incompetent, possibly unethical. We have two parents on hospice and have power of attorney but Bank of America has made it nearly impossible to pay their bills with THEIR MONEY. It has been ridiculous.

BofA needs to hire more customer service representatives. You cannot close an account online and 30 minute or more hold times are ridiculous. Do better.

Visited Bank of America, 6360 Lantana Rd. Lake Worth Florida 33463. Appointment was with **. Well-versed with Bank of America and Merril Lynch data. She is friendly, knows her job descrition/ very helpful if needed. Will ask for her in the future! Great B. A. Employee goes above 10 stars.