Bank of America Reviews

They hold your checks for ten days when you deposit them if you're new there and twice sent my debit card to the wrong address. Then charged over forty dollars for their mistakes to send it to the right address. If you go down to their bank they deny having anything to do with the debit cards and tell you to call the number on the back. Then after three weeks of them sitting on your money drawing interest they tell you because of a blizzard you need to stay up til 1 a.m. and get a confirmation number so you can get it thru Western Union. I would rather trust my money with a crack **.

April 5, 2014 at 2:53 PM, I called Bank of America at the number provided in the email they sent me that said, If you don't recognize this transaction, please call 1.800.432.1000. "Jesus answered call. I told him, I received an Activity Alert email dated Friday, April 04, 2014 saying, electronic transfer over your requested alert limit. We're letting you know a recent transfer from your account went over the limit you set for this alert. The amount in the email of, was for my usual mortgage payment which I've been paying every month since 2005, so why after 9 years do I get an Activity Alert?

My father passed away in Dec. 2013 and I'm the executor of his estate and have had hard time getting the money even though they have everything they need. Then I was told they overnight the check to me, then was told they sent it regular mail still no check, and my atty told me I would have problems with them. Take your money out this bank.

Bank Of American Froze and closed my account for no reason. I got a letter on March 25 that my accounts would be closed in 7 days from letter, which was dated March 17. Went to bank at 9:00 on March 26 and could not get any of my money. They said a check will be mailed to me after April 4. I don't think this is fair, it's my money. I would never deal with Bank of America.

Bank of America analyst cheated me. All I wanted was to change the type of credit card to cash rewards and increase the credit line. He mislead me by providing false information and made me apply for a third credit card. He said I would be contacted by the credit analyst regarding offer details. No one contacted me and my card is approved. When I called customer care, they told me that I could have changed the type of card just by calling them. So I gave a complaint last week and they said I would get a call/e-mail from someone. No one contacted me till now. This is ridiculous. I don't know what to do next. :(

Bank of America in Plano, Tx. We have to wait forever to get to banker for service. The receptionist will take your bank debit or credit card asking you for reason to this visit and have a seat. If you lucky, it will be around in 1/2 hour. If they're other customer ahead of you make sure you have an hour or more to spare for simple Service. Plus if you will hear bank teller criticism about customer, gossiping. SO....UNPROFESSIONAL, NO WORK ETHICS. IT'S SAD!!!

I deposited a few checks from clients as cash last month so funds would be available right away for employees... Come to find out there is a charge on depositing cash. She told me it was labor intensive to count the cash but I told her there was no cash and that would be ridiculous as they are a bank. Isn't money their business? I was charged $15.00. Apparently it is charged on any amount over $9900.00 per month. I am appalled. How can a bank charge you for depositing money?

I don't have time to go to a bank of America atm and that's not the bad part. You get charged for using other atm and then charged another 2.50 from your bank. If that's a problem with using other atm machines then you shouldn't be allowed to use them and you want to charge 35.00 for an overdraft is absurd

I called my local branch several times within an hour. No one answered. I was transferred to customer service which was all automated and was unable to reach an associate. I had to go to the "GetHuman" website which did get me through to an associate. I will be leaving Bank of America. Bank of America has also closed the drive-up at my local branch which makes banking inconvenient.

I filed a debit card fraud claim with Bank of America in December 2013, they have not resolved it since. It has been re-escalated 3-4 times since December. They also refused to give me any kind of deadline for the resolution.

Bank of America takes over a mortgage and receives a complete payoff 11 years ago. The loan was assigned by Freddie Mac but they can't find the paperwork showing the loan was assigned to them?!?!?! How can a bank that is that big start servicing a loan and receive a payoff and have no record if they got the loan in the first place. Too big to fail? More like too big to function!!

Bank of America charged me for flood insurance and I already had flood insurance. I had mailed them a copy of my policy. I started trying to get them to refund the $250 they added to my mortgage since 12/13. It is now 3/12/14 and it has not been resolved. I have called 27 times with the calls lasting from 45 minutes to 90 minutes. I have spoken with over 35 different BOA employees, all telling me it will be "fixed". I am at my wits end. Bank of America seems to have a scam going on; they add the insurance monies to your balance and thus it is accruing interest. DO NOT DO Business with bank of America unless you're a glutton for punishment and enjoy working with customer no service once you sign on the line. They will close your business, then lord help you if you need assistance after they "got" you.

Verizon pulled a fast one and sent an ACH debit for $90... three times. Overdrew the savings account each time for a fee of $35. It is always either Verizon... the customer... someone else who is at fault. I work and spend a great deal of time in my law practice in the Caribbean, therefore was away for a few months. When you complain to them, you get some snotty Customer Service rep who blames the customer for everything under the sun. To blackmail customer into paying, they then ruin your credit with check Chex Systems... and basically tell you to get loss. Pay the fees or else. This is not the first time this has happened... but basically, they do not give a damn if you remain a customer or not as long as you pay the fees which are always in the $120 range... then they notify customer not to resubmit. I see why they are labelled as the "most hated bank" in America!

I have a joint credit card account with my ex-husband with BOA. Our divorce has finally been settled in the beginning of Jan. 2014, so I need to get my name taken off of the account. They told me to request a form, fill out the form and send it back to them. Simple, huh? I called the customer service and explained to a rep what was going on. I requested the form providing my new address. She promised that I would receive it within 7 to 10 days. That was beginning of Feb. I have waited for two weeks... never got it.

We were advised to open an account with BOA for our son, who is in Germany for a semester of study abroad. We do not live anywhere near a branch and had to do this all online and over the phone. The whole process was ridiculous, time consuming and beyond frustrating. We first tried to open the account online... It was declined for us and then our son was still getting emails that the account was being opened. So numerous phone calls were made and hours spent on hold and getting transferred until someone could finally answer our questions.

What can I say? My paycheck direct deposit goes into my checking at Bank of America. Then I try to use it to go grocery shopping at Walmart and the purchase gets declined and my bank account frozen for fraudulent activity. So... now my paycheck is inaccessible, I'm broke and have no groceries. I spend an hour on the phone with Bank of America, talk to 3 different people, all of whom have different answers. The first rep told me it's because at Walmart, regardless if you try to use your Bank of America credit/debit card for 2 cent purchase, or a $200 purchase, it'll be declined for fraud.

I made my house payment thru BOA's automated system 3 days ago. The payment went thru yesterday. Today when I looked at my checking account from Wells Fargo it showed BOA took over $600.00 more from my account than they were suppose to. I made a call to BOA to get my money back and all I got was a run around. Plus I was charged 2 overdraft fees from my bank because of this. When I called BOA they said they needed me to fax them both sides of my bank statement. I faxed them my statement printed from my online account which shows clearly the amount taken from my account and also shows that it has cleared my bank.

I CAN NOT get a release of lien on a property I paid off. I have been given numerous stories. I received the paid off original note but no release of lien. I have the property sold but can not process the sale since I CAN NOT get clear title. At one point I was told it was in the mail but now they will not give me any information. It's been 13 weeks and no release. Each day I call the clerk's office and still no release received. These are horrible people to deal with. No one knows what's going on. Each person has a different story. Either they are all liars or incompetent at their jobs. Now I must go to the BBB with my complaint. They are costing me a small fortune and don't care.

I am furious!! Bank of America does not care anything about their customers at all. Two months ago I cancelled a trial version from a seller online. Little did I know they still went in and tried to get funds after it was cancelled? This caused my Bank of America checking account to go in the negative. When this happened they started charging me $35 dollar overdraft fees. I thought overdraft fees were outlawed. I guess this didn't apply to BOA.

At the next opportunity, I will be withdrawing my funds from BOA and closing the accounts. I am both furious and embarrassed! Want others to learn from what happened to me:

DO NOT BANK WITH BANK OF AMERICA. Because of their inability to process a payment and keep proper records, our account incurred $250 in overdraft fees after Bank of America processed our payment twice. They then said it was not their fault, took two weeks to credit our account the extra $2,442 they took and noted they would take responsibility for the overdraft fees for their double processing error. Do yourself a favor, do not bank with them or get their credit card. Who knows what they will do with your money! P.S., If you get Jenna ** as a customer service rep, you might as well hang up the phone. She will just tell you that it doesn't matter if she escalates your complaint, no one will help.

Had set up a line of credit and was making over 700.00 dollars a month payment per them required plus charged a fee of over 3, 000.00 to have it set up later to find out that I should not have been charged the fee! And all I was required to do that only the interest was needed. I had called them this was in 2010 that the payments were to high and if I could have them lowered as work was slow, I had automatic payments taken out of my account and was told NO they were not willing to work with me.

They are ridiculous with their high fee and have NO CONSIDERATION for their customers. I had financial difficulties and ALL OTHER BANKS worked with me to fix my problem. BUT Bank of America. They completely did not care and continue to charge fees left and right. WORST WORST WORST BUSINESS EVER!!! DO NOT BY ANY MEANS DO NOT DO BUSINESS WITH THEM!!

Went into bank of America today a little upset, because I was originally told that the credit card would not be charged a transaction fee while my debit card would be charged a 3% fee for when I traveled overseas (this is not the case). I was charged over $12 extra to my credit card because of this. I entered bank of America and was approached within a short minute. The lady who approached me was telling me it was all my fault, being rude, and nothing she could do but she would see if someone else might be able to help me.

Some years back I went to Bank of America for a loan. It was approved immediately and needed funds were provided. This account was approved under my signature, and I never received a 'card' on this account, although it has many times been referred to as a 'card' account by the company. I made many payments, even at times while being unemployed, yet faithfully fulfilling my obligation to return the borrowed amount, plus interest.

Bank of America steals money from every international wire transfer they process for their account holders. The way the scam works is that they do not conduct international wire transfers in dollars. They convert the dollars into the foreign currency at a very unfavorable rate for the account holder, far worse than the normal exchange rate for that day. When the money is received, about 5-7% of the transferred amount remains in Bank of America's pocket because of the below market exchange rate they use. They rely on their account holders to not compare the exchange rate they provide with published rates online, due to the account holders' assumption that this large American corporation would not engage in such bold fraud with impunity. Sadly, that trust is misplaced.

On Jan.18 2014..I checked my account I had $130 and all other purchases had cleared except for one and it still has not cleared as of today. It was for gas for $23..I purchased some drinks for $10.68 and went to Shoe Show For a purchase that was declined after several attempt. From the time I got paid via Direct deposit, was not correct. All my transactions add up to lesser than the money that they said I spent. After talking with customer service they said I should go in local bank because it didn't make sense to them either. The problem is there is no telling how many $20-30 have disappeared because I always go by the online screen vs what I actually spent. Being declined at that store made me look at what I spent vs what they had online. It didn't match so now I know BOA been losing my money. It all makes sense now. Every two weeks when I'm paid I should have more than less. I'm closing this account so they can no longer steal from me.

I had no NSF charges. However during 3 months I deposited 4 checks that were returned deposit items. These were checks made out to me... I actually deposited about a dozen total but those 4 were bad checks. I made deposit by cash to cover them and my account was negative a few days at the most. On a Saturday, I went to check my balance and couldn't sign on... tried my ATM card... Says contact financial institution. I called BofA, was told I needed to talk to Risk. Risk said my account was being closed due to 4 returned deposits. Just like that no notice! I had my Discover card and USAA payments as well as GMAC and my direct deposit from payroll all hitting my account in a few days!!! They put my deposit on hold for 10 days, returned my payments and charged me $35.00 fees for each item returned! If I had known I could have stopped those transactions and save myself a lot of $$ plus looking stupid to my creditors! The original deposit had a 3 day hold so I scheduled my payments to come out the day the hold expired not knowing risk could change that at whim without telling me! I am now at a credit union!

Awful service at the Princeton Junction, NJ branch. This happened on Jan 11th, 2014. I went into the branch asking to deposit a check denominated in INR (Indian Rupees). I was forwarded to the most experienced teller who in the middle of helping me was asked by another teller to help another customer. She immediately passed me off to another teller who did not have a clue about what was happening. She had to wait around for the first teller to answer her questions. I have multiple accounts with this branch (personal, home equity, my LLC account etc.).

My son opened his first ever checking account with Bank of America in 10/2013 in Atlanta, GA. He is a full time student and worked part-time. He went into BOA to report his card stolen. Well after reporting his card lost/stolen on 10/18/2013, fraudulent checks totally $10,000 was presented on his account between 10/21/2013 through 10/28/2013 from what we were told. And BOA has denied his fraud claim stating that he is liable. Does anyone have the contact information for the CEO of Bank of America? I have NEVER heard of this!

My Londonderry, NH branch of Bank America would not cash my Cashier's Check issued by a Wells Fargo Bank. My bank manager stated she could not cash the Cashier's Check. It was against the bank's policy to cash a Cashier's Check beyond six months (15 days to be exact). She advised I have Wells Fargo reissue the check. I explained the nearest Wells Fargo Bank was in CT. I was currently in Londonderry, NH. I asked if she would reconsider, being I have eight times the amount of the cashier's check, deposited between my Bank America accounts. She would not. Arriving home, I called the Wells Fargo number on my Cashier's Check. I spoke with customer service and was informed Wells Fargo Cashier's Checks do not have expiration dates and my check was valid and guaranteed funds. She recommended I return to my bank and have them call the number on the check to verify it was without an expiration date.

I received calls from Bank of America from both a corp relations employee and the local bank manager. I was told that this was not the policy of the bank. I would hope in the future that all walk in customers are in for basically the same wait time without regard to race/language. I was surprised with the quick response I received from both employees at BofA. Apology accepted. Thank you. Wade ** - 28 year Customer

I am an owner of a small business real estate company. A tenant paid a $900 post office issued money order for rent and we deposited 12/7. After 5 days of "Hold" status I contacted customer service about the "hold" as our client, who this $900 belongs to, is threatening lawsuit for not paying his rent to him. Customer service could not tell me anything and to check back the next day. I followed their instructions and followed up with customer service the next day, same results as the day before. It is now 12 days later I have contacted customer service every other day with no answer or resolution.

I live in NH and sold some real estate to someone in Massachusetts. Everything was fine and both lawyers were in agreement. The final step was the buyer sending me $45,000 via electronic transfer from a Mass BoA account to my NH BoA account. Astonishingly, the NH BoA never seemed to receive the transfer, although paperwork indicated that it was indeed sent. After countless calls and personal visits over three weeks by me to the banks in both NH AND Mass, still nothing happened. They never returned calls and told me to just wait.

I have been using the mobile app to manage my Bank of America credit card. It's so convenient!

Lost my job June 2010. I had this job for almost 20 years and had a GOOD salary. Unemployed for 6 months. My new job, while a job I liked, had cut my annual salary by 65%. What a drain on my mortgage! The very day I lost my job I was in contact with Bank of America about my mortgage. 3 years later and I am still in constant contact with Bank of America. Meanwhile, they side-step me, lie to me, mislead me, jerk me around, and offer me NOTHING that would help me keep my house.

I went to my branch in New York to get a new ATM card after someone charged some money against my account illegally. I told the bank manager that I could not return on the following Monday as I was driving to Los Angeles as I was moving there, and that I would go to a branch when I arrived. Meanwhile some idiot blocked my bankcard so that I could not use it. I called to get it unblocked and was met with numerous idiots from the Philippines who kept hanging up the phone and refusing to unblock my card.

I made my monthly mortgage over the phone for 912.34. Received a confirmation number and ask that all the info be read back to me. Everything was correct. It was a draft. The amount due 912.34 may also add that this was the third payment in my trial period for permanent modification. I also want to add that the local customer service department in Overland Park, Kansas is fantastic, always polite, always returns calls. However, I made my payment on Friday, November 15th. On Monday, November 18th, I get a call from my bank stating that a check, get this, for $6548.88 was trying to post!!!! REALLY??? I authorized 912.34, received a confirmation but the call was recorded both ways on the bank's line as well as my employer.

My account was overdrawn on 6th Nov due to a check and my balance went to negative. For one full day my balance remained negative. I was not able to make some important payments due to negative balance. On 7th November, the bank returned the check and charged me return fee. This is not fair. In the first place, if I had insufficient balance why did the bank then made my balance negative (due to which I was unable to make some important payments). After keeping the balance in negative the bank returned the check. I understand that I had insufficient balance to clear the check, but I could have made other payments if my balance was not negative. I had to face odd moments due to the bank's service.

On Monday, 10/28/13, I got in a car crash. Tuesday, 10/29, I needed a car to go to work. I found a person who is selling a car and wanted the money at once. I call Bank of America and I spoke with a representative after I choose the option in the phone "direct deposit in your checking account". He explained to me how they will deposit the money the next couple days so I agreed to the terms and wait. On Wednesday, I used my credit card to pick my crash car out of the garage and overuse my funds for $60.00. Even though I was calling every day, each representative told me "the money will be in your account tomorrow," and Monday 11/4, I realized the mistakes and I call Bank of America to make sure that is not gonna affect the transaction. The representative told me that the check is being "mailed" to my Bank and is gonna be rejected but if I make a direct withdrawal payment to get the funds available, maybe will be okay.

I found a debit charge on my bank account for the amount of $47.15 at a Shell gas station in another city. I called the fraud department to report the false charge. The lady on the line was so rude and basically accused my son of the false charge simply because I had allowed him to use my card in the PAST. I had to explain over a dozen times that my son has been grounded for a month and could not have gone or been to the "other city" where the charge occurred without my knowledge. The trip to that particular city would have been well over an hour round trip. He could not have left the house without me knowing for that amount of time.

Normally, I go in the bank to cash my check then go outside to deposit the money in the ATM to avoid their fees and waiting period for the check to clear. A few weeks ago, I had to go through a big ordeal because I do it that way. The branch manager told me that I need to start depositing them or they wouldn't continue to cash my checks. Then she told me that I won't have any waiting periods if I deposit them before the close of business. On Friday, October 18th, I did as suggested and they put my check on hold till October 29th.

$1098.11 was taken out of my account without authorization. A check from another business signed by a person I don't know and was paid to a woman I've never heard of. BofA blocked out the signer's name. It seems very suspicious to me. The employee I spoke to said it happens all the time. After an hour on the phone, she told me BofA would send an apology letter if I liked. I said don't bother. I said I'll switch banks and she said that's what she did when it happened to her.

My purse was stolen with my Bank of America card in it, my license, 20 dollars, and a receipt for my transaction with my balance on it. The thieves then proceeded to use my unsigned card at Walmart in Camillus, New York. They swiped the card for 2 transactions - one for a dollar and one for 1492 dollars. The thieves were caught on video, a police report was filed, and the story, at my request, was put on the local news. They denied my claim stating it didn't fit the normal fraud pattern because the card wasn't used several times. Bank of America's own fraud division alerted me because this transaction was so out of character for my account. Also no PIN number was used in this transaction and no ID was asked for. I cannot believe their system failed me in this way. I work for everything I have and it's pretty sad someone can get away with theft so easily and my bank didn't stand behind me with a mountain of evidence supporting my claim. Absolutely unacceptable!!

I recently had the opportunity to see the great shift in business attitude towards customers in action. I had recently lost my ATM card and went to my bank, Bank of America, to get a new one and cancel the old one. I was given a temporary card and "told" that a permanent card had been ordered. When I had still not received the permanent card and the temporary one was no longer active, I returned to the bank and was told that their computer system had "ordered" the card and the problem must be with the postal service and I should contact them or Bank of America could issue another temporary card and "would charge me for this mistake!" In the interim, they would "order" another card and I would be left "hoping that it really comes this time or I would be charged yet another fee.”

I did not want to be a Bank of America customer (again) because of bad experiences in the past but my mortgage went there from Countywide and I had no choice. I have been unemployed for a few months and am having trouble making my payments on time. The payment is due on the first of the month and there is a late fee after the 16th. That is when they start calling, several times a day. Okay, I understand that they want their money. But this month, they started calling on the 11th, and used the words 'debt collection'. A couple of months ago, I did not make the payment until the end of the month and I paid the late fee and they sent me the preliminary paperwork for foreclosure proceedings dated before the month was even over.

Our BOA mortgage was actually purchased from Countrywide, and I should sue Countrywide for my pain and suffering for having to deal with BOA but that would never see the light of day. I was recently made the Legal Guardian of a family member, and have had nothing but total clueless customer non-service. I was trying to be forthcoming about the recent court ruling and called to transfer the account to the new court required account and asked if I could be added to his account so that I could ask questions in the future - if needed. They obviously have had similar things and requested I fax the legal document to them, no problem there. Then it took 2 weeks for their legal department to review and reject since in Louisiana they call it a Curator not guardian but the language on the court document is very clear that I am to have authority on all financial matters of this person, including changes.

I was really enjoying Bank of America. I had personal account with them since 2003, then transferred my business funds, had mortgage with them, multiple credit cards. By 2013, I honestly had all my banking needs with BoA. And that was my fault. By 2012, BoA got rid of my mortgage. During summer 2013 on my trip to Europe, my CC stopped working. I called them and they always transferred my to Account Closure Department. At the same time, I noticed my ATM cards were not working. GREAT! I was left in situation when BoA closed all my accounts for reasons they never disclose and I was left with no money. Good that my wife had funds in different bank.

I was attempting to change "Pay From" Bank Accounts Sunday evening to pay my Alaska Airline Credit Card on-line from when I was confronted with a "trial balance verification process" wherein a trial deposit would be placed by Bank of America to verify the account. I called Bank of America customer service to see how to go about this process, was transferred to on-line banking to an English speaking challenged individual, that I was told by the customer service representative could bypass this process and help me on a real time basis. Inadvertently or advertently I was hung up on.

I started the refinance process in July 2013. I had to call several times to get the first agent to call me back. She stated no problem, everything looks wonderful, should close in about a month. Next person... you rent your own property so now it's an investment. So we redo all the stuff again. Appraiser goes out can see my 18 year old son is staying there with his dad puts on paperwork owner occupied. Anyway we fill out all the paperwork for an investment property.

I have over $300,000 with BOA and money with multiple other banks! I have been treated like a second rate criminal!! I have had multiple mortgages, Excellent credit rating. Never ever missed any kind of payment, With anyone!!! Retired, getting a mortgage. Have been treated like **! Just today, I was cashing a check for a friend in my account with $300,000 in their bank and they refused!!!! Really!! They told me they didn't give a ** how much money I had with them and I could just close my accounts, really!! What has happened to this Bank??? My friend then went into the same bank without any account with them and cashed the same check??? You are a bunch of sick people who care nothing for loyal customers. My mortgage is being processed by multiple people who have bungled it in every way possible with all kinds of false information!! Can anyone tell me what the Hell is going on with these totally incompetent people??? Have they lost their minds or are they so big they just don't give a **!!! They are in for a rude awakening.

I represent 3 generations of BOA customers. My parents, myself and my children all bank with BOA. I have had mortgages, loans and accounts with BOA for years. I have impeccable credit but when I wanted to cosign on a loan for my college student to purchase a much needed car (her credit score was good, just not a lot of revolving credit since she is just starting out), we were denied the loan. In their own words, my credit was better than they had ever seen but refused to loan only because of her lack of history. Her score itself is even good enough to buy a house but with no history, no dice. I expected that which is why I was cosigning.

I have been banking with BOA for over 25 years- but am seriously considering changing to another bank. The BOA branch on Airport Blvd. West Columbia SC - is a joke. First, some bright person with BOA decided to do away with the drive-thru window - huge mistake- you now have to go inside where they are understaffed and slow - 2 working counters and one of them training - slowing things up more. What has happened to BOA - used to be top of the line - well this is no longer the case. I do not want any calls or emails about this - just wanted to let you know of my disgust with BOA.

Bank of America will not take complaints against AETNA. BOFA will not take complaints of discrimination based on deceptive business practices. I had to fight my butt off to get my std. First I filed a personal complaint against the licensed health professional in his state so he could lose his license. Second the American with Disability Act requires an employer to intervene if an employee who is covered under the ADA, which means you would need to be disabled or expected to be disabled for at least a year. You can file a complaint against the company with the Equal Employment Opportunity Commission and write to your State Attorney General. Apparently there are several states that are aware of this situation and are tracking it for possible legal action. Complain! The more you complain the faster the government will act!

Bank of America paid a $250 draft on an already overdrawn account because they "have a relationship" with Sprint, the group that charged the $250 to begin with. Not only did they pay the $250 when it wasn't in the account, they are going to charge me $35 to do it!! Bank of America has been ripping customers off for years, has been responsible for a large part of the economic crisis, has been repeatedly abusing its customers' trust, and they have the gall to charge me a fee to use my own money to pay a bill they should have stopped from hitting my account in the first place.

BOA is totally incompetent. I had 2 loans with them. Wanted to refinance one, increase the amount, add some cash and pay the second one off reducing my overall debt and lowering interest. They lost paperwork. Each time it went to underwriting, they came up with a different set of issues. The people were not knowledgeable. Response time took up to week in some cases. They initially turned the loan down because of debt to income ratio (did not consider payoff of 2nd loan). Then they approved it. They had me subordinate a line of credit (my cost $250). Then they had me cancel the line. I did not realize it but they had gone back to not considering the payoff of the 2nd loan. 4 months later, I got the refinance, spent $250 needlessly, lost a line of credit and now I have to payoff the 2nd loan. I spent countless hours on the phone and via e-mail. They deserve their low rating.

I had a secured credit card with BOA since 2007, as well as a checking account with direct deposit, which I cancelled in 2009 after a series of horrendous customer service complaints, including an employee attempting to assault me, which he regretted in a big way. However I finally got around to canceling the secured card, I have close to 50,000 dollars of credit with several other banks, and, being Bank of America, they had to stick it in me, one last time. They held the money until they could charge the annual fee which was generously only 29 dollars. I bet my brother 50 dollars, they would assess some kind of monetary fee, before returning my 500 dollars, as I had a zero balance. So I actually made 21 dollars off of these crooks. What an unbelievably horrid bank. They should allow you to rate them 1/4 a star.

Bank of America is my current Mortgage bank. When the rates went down, I decided to refinance with them. I signed my contract to refinance on January 29, 2013. Bank of America checked my credit score and stated that I was a candidate for a refinance. I paid for an appraisal and submitted the paperwork that they requested. In the course of trying to refinance, my file was placed on someone's desk and never completed. My file then got reassigned and again worked on. My husband and I received faxes requesting information, but they were blank. My husband would send the fax back asking what information they needed, and never got a response. We submitted current pay stubs, and in February they closed our file because they never verified our employment. I have been employed by the same company for 18 years and my husband for 4, but no one ever verified that.

I received a very small check for $5 from Baltimore Medical Center, it was a BOA check. I am a Credit Union member and the BOA is across the street from where I work... I went in presented check to clerk who took my ID and had me do the thumbprint thing because I don't have an account with BOA... Mind you the check was only for $5. Was asked if I had an account with them... I said no. Was told that it will cost me $6 to cash check because I'm not a member... CRAZY!!! Why is this bank allowed to conduct business like this... This is high way robbery. I WILL NEVER EVER DO BUSINESS WITH BANK OF AMERICA. It's a shame and at some point they will crumble for the wrong that they do. How can you think that you can force people to bank with your bank... This is America and the last I heard we have choices.

I have sent a fax to BOA 48 times (yes that is correct). I have sent the same papers to them by certified mail. BOA says that is impossible to send Certified Mail to them, yet I have the signature. I decided to go into the BOA office in my town and have them fax the paper to them - and I had my insurance agent send the same paper - each day twice a day, I had my lawyer fax the paper. Finally I asked the Bank Manager of BOA to call for me and when she did the BOA office hung up on her. I was so glad to see someone else being treated the way I was - to see it for herself.

Bank of America filed a credit balance of an incorrect amount due to the bank (an insignificant amount of $401.00 when I owed even less, $122.00 approx) and sent in a payment history showing payment delinquency of 30 and 60 days. I thought I was on automatic payment telephone deduction from my account for some months and was confused as to what was being done. Given this was a minor card and linked to my personal accounts, I did not realize it was paid sporadically if at all. This report for this minor amount has affected my credit score bringing it to less than a 600 score preventing me from purchasing my home with a mortgage. When I called the bank and told them that this was partly due to bank error as I thought I had been told that this credit card would be paid by the automatic deduction I set up for the other credit cards, they refused to change the credit history to allow for possible error on their part. I paid the account balance in full then and pleaded with them to acknowledge possible bank error so they would make the adjustment to the payment history. 6 different representatives and after being on the phone for over 2 hours, I was told a manager would get back to me, which he never did.

I went into the local branch on two occasions over the past year to make important wire transfers. One to purchase a farm for our farming partnership and the other to purchase a new home for our family. Both times they made the process extremely long and difficult, and both times required coming in multiple days to make the wire transfers happen, due to data entry errors, long wait times, etc.

Bank of America charged me two $35 overdraft fees for a $7 recurring fee.

I initiated one balance transfer over a year ago. I then initiated another after a few months utilizing the checks that you receive in the mail. I paid off the first transfer in April. I was assured I had until August to pay off the second transfer. In the meantime, due to misinformation and bad customer service, they charged me over $70 for May and June of 2013 in interest/cash advance fees. I called Customer Service and could not understand the person and was put on hold more than 5 times. It seems evident he was located at an off-shore calling facility and was reading through a notebook to be able to tell me anything.

I had been a member of BOA for 5 years. In February of 2012 I had received a large amount of service fees, which they did reimburse. They helped me get on a plan that didn't charge the outrageous fees (since I only use this bank for cashing checks and kids' allowance into savings). Perfect. After about a year, I went to withdraw my son's money from savings to find the plan I was on was taking money from the savings. When I brought this to the bank's attention, they said they would only reimburse me for the last month. GRRRRR. I wasn't supposed to be charged any fees. So I took my losses, made a complaint over the phone and cancelled my account. Having only $13 left in my account, I was told they would mail it to me because if I cancelled inside the bank, I would be charged a fee.

I called in my lost debit card two weeks ago. Rep stated another would show in about 5 days. I called today, was told rep never placed request for card and now I have to wait another week or more. Had they offered to rush the card to me, that would have helped. Instead, they tell me there is a fee to replace the card. Absolutely the worst customer service I've ever seen. Ashamed I have banked with them for almost 30 years. Next good offer that comes from Chase will get my full attention. I understand now why they are one of the most disliked companies out there.

Once again, Bank of America, after being fined hundreds of millions of dollars for allowing overdraft purchases on debit cards is back to its old tricks circumventing Congressional law. I was charged early by a merchant for an online purchase. The purchase was not to be posted until the first; it was posted on the prior month on the 25th resulting in an overdraft fee of $35 and an extended overdraft fee of an additional $35. After talking to a Bank of America rep, I was told they were within the law to charge such a fee. She also stated she spoke for all banks and that all banks would do the same. After over 30 years of banking with Bank of America, and losing thousands of dollars to their "inventive" ways of stealing money from me, I will be closing my account ASAP.

The worst I ever had!!! The worst customer support!! For over one month, I kept calling Bank of America to please stop ONE payment, and 5 times I was told everything is OK!! And 2 times, they did something wrong and DID NOT stop payments!!! And I lost over $400 because of the awful customer support!!!!! And they say, we would NOT do anything!! And YES, it is BOA's fault, but the only thing they can do - to say SORRY!!! And my $400 is GONE!!!

I have had to go in person to the bank twice in the past week to deal with this kind of illegal blocking of my own money. They locked me out of my own account to prevent me from spending my own money for their own financial gain. When speaking with the manager of the local Bank of America, they lied to me and stated that I was not locked out of my account because of my spending habits, but because there was a fraud alert after I spent money at the store. She claimed the store had an information leak or had information stolen from them and that it happens all the time.

My bank is at Laguna Blvd. and Franklin Rd. in Elk Grove, CA. I went in today during my lunch break to discuss a property claim. My garage caught fire and Farmers gave me a joint check with BofA who is my lender. I signed with the contractor and needed to get the check and file set up for paying the contractor. An Asian woman met me at the door, and I told her what I needed. She wrote my name down and asked me to wait.

At the end of March, I had money taken from my account at a Bank of America ATM without my permission at 3 am and 5 am. Then a few weeks later, I had more money taken from my account at a Bank of America ATM and then at an ATM at 7-11, there was a balance inquiry done; then the balance was taken from my account. $500 was taken. I contacted Bank of America both times with the money taken placed back into my account. Now Bank of America has taken back the money stating that the withdrawals match the pattern of withdrawals from my account. I did not withdraw at these times nor did anyone have my permission to withdraw this money. I want the $500 placed back into my account plus any overdraft fees.

To the BOA Leadership, I am writing to you with the hope that someone at BOA will pay attention to what has become a disastrous situation all because I made the fatal mistake of choosing BOA as the lender for my home loan. In the interest of your time, I will make this as concise as possible. We are a multi-generational household so I want to provide some demographics. The household contains: myself (single father), 2 daughters (ages 9 and 11) who reside with me full-time, 2 grandparents (ages 62 and 68), and 2 dogs.

Now here's something crazy! This morning I woke up and saw my checking account was overdrawn $270.00. Of course, BOA charged me $35.00 overdraft fee. Now here is where it gets crazy. Somehow someone charged $270 on my FedEx account. I called FedEx and they saw it was a fraud as the invoice number that appeared on BOA was different from the invoice they sent me, so they refunded my account which will take 1-2 days to happen. Seems BOA went ahead and paid for the fraud charge when I only had $30.00 in my checking account.

My late husband and I first applied for a loan modification in July of 2009. BOA lost the paperwork and we had to resend everything in September of 2009. This occurred a third time. By January of 2011, we were working with a loan agent in a local office who made sure all the paperwork was in good order and sent it in to the underwriters. We were turned down the first time as they said we missed a payment on our payment plan with the IRS. We provided written proof that we never missed a payment. A few days later after I had been out of work for 19 months and had only been working for 2 months, they claimed my income was now too high. Please tell me any actions I may do. There is so much more to this story. They are as inept and criminal as the day is long.

I was a co-trustee on my dad's checking account. Since he died on March 30, Bank of America has sent me on a wild goose chase (or three), giving me several different stories on how to gain online access to the account. They keep asking for more information. Then when I send the information, they tell me I need to go into the bank. When I go into the bank, they tell me I need to phone the bank. I always get a general number, even though it takes me three transfers to get to the people who purportedly know something about trusts. This is possibly the most frustrating experience I've had with a bank in my long life!

Last summer 2012, I was looking to refinance my home like many homeowners are. Therefore, I contacted a Bank of America Home Loan specialist through their 800 number and locked in a rate of 4% in late June 2012 with Gregory ** (**). I was switching from a 30-year fixed FHA (5.25%) to a 30-year fixed conventional loan. An appraisal was scheduled and a credit report was run. Once the rate was locked in, I was assigned a loan officer, Lisa ** (**), out of the Richmond, VA, fulfillment center. I received the standard welcome packet with documents that needed to be signed and returned. I reviewed them, signed them and faxed them back to the bank in a timely manner. I even went as far as mailing them via the United States Postal Service. These events occurred just after July 8, 2012, the date I signed all the documents and shortly thereafter faxed them back. The appraisal came back favorable and so did the credit report (score above 780) and therefore, I was approved to go forward. And that is when everything went so wrong.

Website was nothing but a maze of dead ends and uncertainty. Online bill payment center was not accessible at the time. System didn't recognize my last four digits of my social security number. Called customer service, which you need a phone access code to get to, only to find out that my social security number was not registered. Huge bank, with huge amounts of money, and yet the telephone and website service are deplorable.

I filed a claim because someone stole my card and made a purchase of $563. I called Bank of America, and they credited it back to my account; only for them to reverse the credit a month and a half later and make my account overdrawn. I called them, and they said my claim was denied since the card was used in my neighborhood. Are you serious? Does that mean anyone who steals a card from Bank of America and uses it in the neighborhood of the person they stole it from can get away with it; and me, as the consumer, gets robbed and have to pay Bank of America? It's ridiculous. Lesson learned!

I opened a checking account that waives a minimum balance. The lady told me that the account was for ebanking only (through ATM or internet) but she did not tell me that it also requires to sign up a paperless statements and she did not set it up that way either. By the time I found out the finance charges of $8.95/month, it's been 7 months. They refused to waive any of the fees. I never had a bank to steal people's money this way. I closed the account right away! Don't do any business with BOA.

Bank of America charged me a $35 overdraft fee on 5/8/13. I was told that a recurring bill payment to my newspaper of $15.95 which was charged on 5/9 "put a hold" on the account and caused the overdraft. Then I was told that a $20.65 charge on 5/8 caused the overdraft. My bank statement does not show an overdraft for either transaction. Bank of America has not responded.

I forgot to record a check so when I used my ATM card for 12 small purchases in a week, I was overdrawn. By small, I mean like $7 - $10. BofA charged me a $35 penalty for each one (that's $420!) and notified me by snail mail - no phone call, no text, no email, no hold on the account. Snail mail took a week to reach me. Even though I had deposited over $300 that week, I was still overdrawn because of the huge amount they took out for penalties. I went in, asked for the charges to be reversed and they said no. I closed my checking, savings, business, and all 3 kids' accounts. My checks say, "Customer since 1976." They couldn't have cared less that a customer of 37 years had just closed 6 accounts.

Last Friday, I received a voice mail from a 315 number and it claimed to be an automated response from Bank of America. It stated that a merchant had compromised my credit card number and it was necessary to replace my debit card. The message said a new card was on its way in the mail. That following Monday, I attempted to purchase a $2-coffee and was declined. Despite any complaints or unusual spending activity, B of A decided to cancel my card until I activated a new one. It was time for me to call customer service.

My account was overdrawn by 10 cents. Bank of America charged me a $35 overdraft fee. Customer Service managers gave me two conflicting explanations. The first one said that my Newsday auto pay of around $15 put a hold on my account. The Newsday charge was still processing when the $35 charge was put on my account. The second representative told me that a $20 Barclay's card payment overdrew the account. Bank of America will not refund the $35. My account was overdrawn by $35.10, thanks to the $35 fee.

In the 1980's, I opened an IRA at the now-defunct University Savings Bank in Houston, Texas. I deposited a few thousand dollars (I seem to remember it being about $2500). I then lost track of my records and moved several times. I spent quite a bit of time tracking down my account, and eventually found that it is now held by Bank of America. I found when I contacted them that they had emptied my retirement savings account by imposing inactivity fees! However, when I research online, it seems to me that these fees may not be imposed until I reach the age of mandatory withdrawal (70 1/2 years), which I have not yet reached. Can you lend some clarification to this issue?

A donation check to our animal rescue from a well-established California corporation was deposited at a BOA ATM on May 2nd with the deposit slip indicating that the funds would be available by close of business that day. In checking our long-standing account online the next morning, the deposit was credited as expected and accordingly we issued a payment for significantly less than the total deposit. That check was presented for payment and cleared by BOA on the 3rd with the additional funds clearly indicated as available in our account as verified online; however, on the 4th we discovered that without any warning whatsoever, BOA had backed out the remainder of the deposit (nearly 70 percent, thus amounting to backing out 100 percent of the deposit since it had the audacity to hit us with an overdraft fee for the check it had already cleared as covered with monies to spare). In addition it astonishingly declared it would continue to withhold the deposit for a full week regardless of the fact that it had earlier posted the funds as fully available.

In 2010, I had an agreement for a short sale with Countrywide. BAC took over and refused and cancelled the sale, and sent the home to foreclosure. They did not honor the agreement I had with Countrywide. I paid all back fees, caught the loan up to date, found a buyer and sold the home in a normal sale and paid off the loan. BAC agreed to remove the foreclosure remark from my credit report, but, of course, that never happens. Now they tell me it cannot be removed. After all, they were the ones who would not honor their agreement. So much for ethics in big business!

I've been a customer of Wachovia and its various predecessors (Washington Mutual, Union Bank, etc.) for more than 20 years. Each acquisition saw a precipitous decline in service and Wachovia has been the worse. Among many unhappy, or even disastrous, involvements, my attempts to deposit rent checks from my tenants with Wachovia's mobile have been a total waste of time. Here are some of the problems I've had:

Bank of America refused to comply with SCRA law and its military benefits. I have re-enlisted in US Navy and forwarded supporting documents to several banks. All of them complied with the SCRA law within a week except Bank of America. I talked to several people in their customer service and pointed out the exact statement that re-enlistment is the qualifying factor for it. However, they refused to comply because their interpretation is different. Really upsetting experience. I'm going to close my account with them.

I had an account with this horrible bank for a year and this account stayed in good standing up until a few weeks ago. I received a child support check for $212 and deposited it into my account. The check didn't clear because my ex didn't have sufficient funds in his account to cover it. The bank continued to run the check for 2 weeks and it kept coming back as insufficient funds. My ex finally went to my bank and deposited cash to cover the check. The cash cleared obviously but they continued to run the check. He deposited $350 a couple of days later. Everything was finally fine with my account... or so I thought.

Customers are not a priority. I spoke with someone who said they were a supervisor at the corporate office. She was extremely rude. When I asked for the phone number to the CEO office, his executive/administrative assistant, she stated she could not give out his number. She repeatedly told me that President of Bank of America Brian Moynihan has given the supervisors on her level authority to speak for him. I have never had someone in customer service to be so persistent in being so defiant. She repeatedly told me it was my fault, and I should have done this, that or the other. Call the insurance company and have them to send me another check. She even told me if I want to get mad with someone, I need to be mad with myself.

I just got off the phone with a Bank of America supervisor named Elizabeth **, who was a complete waste of time and couldn't care less about my problem. I explained to her that I was charged two separate $35 overdraft fees within a week and I wanted at least one of them credited back to my account. After 38 minutes of going back and forth, I was told that she would not be reversing the charges because the charges are valid. End of story! This is all after having two business accounts and three personal accounts with them. Some customer service ha?

I cannot explain enough how much I hate Bank of America. Never failing to screw me over and throw hidden fees right in my face. Telling me the wrong information and having me be the one who needs to deal with it. I wish I had never started a bank account with you guys. When I move at the end of this month, I am 100% cancelling all of my services with BOA. None of you are worth dealing with and honestly, none of you are even smart enough to be working for a banking company.

Since I started college in the 70s, I was a customer of BofA and was satisfied with the service which, over the years, has declined to an all-time low. Every time I visit the Pleasanton, CA Main Street location, I'm reminded why I will refinance my home with another bank and close my accounts. Whenever I reach the teller window, they just stare and wait ... for you to initiate a greeting. They do not smile, look at you, or say good-bye, thank you; it was nice doing business with you. They give you a goodbye stare - that's their extent of customer service - minimal verbal communication is their motto it seems. With so many visits to the bank with this service, I'm wondering if the bank doesn't want them to provide any niceties or decent customer service. Perhaps they want their tellers to appear robotic. Today I decided that all my accounts will be closed asap. I can get much better service at Patelco and Citibank. Goodbye to Bank of America!

It has taken me over a year to close my father’s checking account after he passed. I had to jump through hoops for them to release my father’s money and they are now disregarding the judge’s order on releasing the funds with no restrictions and making me open a separate account to access his account. I have never had so much trouble with a bank!

I had taken a payday loan and was paying on time and finished paying them through my BA account. I noticed that they kept taking monies out of my BA account and I called customer service. I advised them that recent transactions were not authorized and to please stop these crooks from hitting my account every two days. The customer service agent said they couldn't and that I could put a stop payment and they would charge me for it. They also advised me that they couldn't guarantee this would stop them. So instead, the payday loans kept hitting my account for 2 months and no one would help me at BA. BA allowed overdraft fees of $980 until they finally closed my account. After so many calls to resolve the matter, they wouldn't help and told me I was beat. No money was paid to the payday company, but BA has me in for $980 in overdraft fees only! They reported me to ChexSystems and I can't open a checking account. I was a customer for six years and never bounced a check. Is it allowable for them to charge me these fees?

I'm 21 and I have been using Bank of America for the last 3 years. I've never had any real problems until this year. It's been ridiculous at how many fees I get. I got one for too many transfers, one for too many transactions, one for a wire transfer, two stacked on each other for one overdraft, and they just keep coming. I'm switching banks today. I have had enough of the greed that runs through this company.

After many years as a BOA customer, I get a notice from another bank stating BOA sold them my accounts. Trying to get answers from a real person at BOA is impossible. I tried their online chat and was told they couldn't provide information on the subject of selling my account. Their message center responds with scripted nonsense that is useless, lame and an insult to my intelligence. This weekend all my funds will be sent to a bank that I do not want handling my money. All my online bill payments and direct deposits are now going to be completely messed up. Trying to get a person to talk to about paying off my mortgage before they sell that too has also been frivolous. Bank of America is by far the worst for customer service and giving a care about its loyal customers. They outgrew the people who built them.

We've been customers of BOA since 1999 and it's 2013. One payment of ours did not go through because the bank we have our checking account through made an online error and tried to retrieve payment from a dormant account. Since it was dormant, the check didn't go through and BOA didn't receive their payment. We were charged a penalty and late payment through no fault of ours. Worse, they reported us to a collection agency. We want to give them a certified letter or faxed letter from the bank at fault (not so they will return our fees, just so they will tell the collection agency that they made the report so that the report was made in error and not actually a credit problem on our part).

I’m a fraud victim of a bad check. Bank of America tells me I’m responsible since I made the deposit. Sorry, I guess I left my scanner at home that tells me I had a fraud check. The bank will not stand by me or protect me from fraud. In fact, they banned me for life from opening an account with them. ** Bank of America. I just feel sorry for my family for having to ask them to close all their accounts since now I can send them money. Well Bank of America, I’m taking 6 family accounts away from you.

I have been a client of Bank of America for 15 years and have not had any major issues, until recently. I recently deposited a check in my account via the mobile application. I was given access to my funds within 24 hours. Forty-eight hours later, the money was taken back. My husband and I received an email notifying us of an overdraft. As soon as my husband received the email, he called the bank. At that point, the agent on the phone informed my husband that the check that was deposited via the mobile application was not endorsed, which was the reason for the return of the funds. My husband then called me and I said it was impossible as I pulled the check out of my wallet and clearly saw the endorsement.

It's always the managers that are the worst, but I've been dealing with BofA since 2009 and try as hard as I can to never have to go into their branches because I have never met an intelligent BofA employee. The first day I signed up, the lady helping me told me I look like a muffintop. They charge me if I transfer from my savings account to my credit. They charge me a couple dollars here and there for no reason thinking I won't notice, and they have tons of hidden fees. Once I went through them to get a car loan and they told me after the whole process and doing the application when I already mentioned I was buying the car that week that I would find out my results in about 2-3 weeks. I went to Credit Union the same day and got a loan the same day from them instead.

In 2007, I was on SSDI and had a "Representative Payee". The representative made a mistake and wrote a check for the right amount but wrong "Pay to the order of". I called BofA (I also had a personal account with them). The customer service person told me to cross out the name, write the new payee, and initial it. Well, at this point, I paid the bill from my personal account and needed to cover the funds, so I crossed it out and deposited the check from "for *my name* account” to my personal account. Both accounts are my money. The next day, BofA closed my account and sent me to ChexSystems for "suspected fraud".

Today, they called and cancelled my account. They gave me no reason and told me not to ask why. I am a small business and used this account for many things. It was not all bad news though. US Bank gave me better rates already so I guess it's all for the better. It seems like bad business though.

I deposited my tax refund in BOA. I am expecting there would be even some available funds but no, it was $0. They told me you have to wait for it and all. I have a newborn that I need to feed! I have been banking with BOA since 2008 and my tax refund always goes to this bank. I contacted customer service and asked if they can give some funds so I can buy some food for my newborn. I have $277 for the bills that billpay is already set. I do not want to take that because BOA is horrible for overdraft fees! And I do not want to see any overdraft ever again! She said, "We can't give you any funds." So I told the lady, "Can I just go back to the bank and just get my check back and I will just close my account?" She said, "No, you can't take it back. It was deposited on your account." I said it just said there it was deposited but no funds! Get it?

I helped my daughter open a new account since I have had an account with them forever. We went online. I used my debit card to make the initial deposit required. She got her card but no PIN. We called them and they helped her set up online access but said to go to a BofA location to get a PIN. She went with her ID and SS card and new debit card. They asked for mail with her name on it. She didn't have any so they closed her account. The reason they gave her is it was a fraudulent account. What? She has her state issued ID but no mail with her name. Since when is mail used as identification? Utterly stupid! Now we are trying to get the deposit back and have been sent to customer service who told us to call risk management who said to call customer service! This has been an awesome new experience with Bank of America for her and an eye opening for me as a long time account holder.

Overall, very poor service. The only way this bank makes money is through fees. No wonder Bank of America is an undervalued stock because they do not value their customers and it comes around. They charge you $16 account management fees, which in a year sums up to over $160. If you pay a credit card company that much yearly fees, the perks you will get from them is uncanny. If you open a similar account in any other bank, they will bend over backwards to give you an amazing service, and here at Bank of America, they wait for you to bend!

I had a checking account with Bank of America. I ordered deposit slips that were supposed to be free and they sent me business checks which they charged me for. I returned the checks and the teller told me that they would refund me the money. A few months later, I realized that they had never refunded me my money and I went back. They told me that there was nothing they could do. I closed my account.

I do not bank with Bank of America, but that's where my payroll check comes from. They will flat out refuse to cash a check that comes from them. I've gone thee times and after telling them that I will not bank with them, they find some reason not to verify my check, my check that comes from Bank of America.

They continue to hold my check for 5 days after the deposit. I have never been so disgusted in all my life! I am left with 4 kids to feed and no money. They have already verified the check because I deposited a check from the same company, which is my employer, last week. Please do not open an account with Bank of America!

I am currently on a payment plan with Bank of America. I asked if there was a way to reduce my interest rate so I could effectively pay off my debt. I was told no, and when I asked if there was someone else I could speak with, I was told no. I understand I owe the debt, but I've been paying on a payment plan to Bank of America for the past 3 years. To date, I've paid at least 1/2 of my monthly fees to interest to Bank of America. Like many individuals, I'm having a hard time making ends meet. I want to pay my debt but feel that the interest rate has been unreasonable considering my economic situation.

This is the second month I have had a recurring payment rejected by this bank even though I had the funds to cover the transactions. This has resulted in the business trying to secure the funds adding additional fees to my account. The bank cannot tell me why this is happening or fix their errors. I feel that I am being treated poorly, and there is no want by this company to fix their errors because it doesn't cost them money. It's costing me money and since I don't have thousands of dollars in their bank, it doesn't seem to matter to them.

I recently visited Bank of America at 9830 N Lake Creek Pkwy Austin, TX to get a document notarized and received very poor customer service. After presenting two valid IDs (military and drivers license), the associate, **, asked me to sign my name on a blank piece of paper. Feeling discriminated against I asked to see the bank manager, and she refused to assist me and didn't even ask to see my ID’s to check if they were valid; she just wrote me off and said that there was nothing that she could do. I called their district manager 5 times and she never returned any of my phone calls. I returned to the bank and spoke with the assistant manager, and she assisted me in filing an official complaint and she reassured me that my experience didn't represent Bank of America’s customer service standards. This experience has given me the impression that the small banking customer is not important and I do not recommend banking there.

Bank of America does not permit their Resolution Representatives to have phone numbers, receive mail, or have email addresses. This is so you can never talk to the same person twice. I tried to close an account for an aged friend, but they said they could not put in writing what was required because of liabilities. They stalled and stalled as I supplied documents and kept saying I needed more. When they finally said I could close the account and go to the bank to do so, they said they made an error - more documents were needed. They simply want to grind the customer under. Now that my friend is dead, they will keep the money.

It’s the most unhelpful and rude customer service division I have ever dealt with. Why did they get bailed out? Let them try to find a job in this wonderful economy. Shame on BOA. I sent a FedEx on my dime to their company with a FedEx on my dime to endorse a check. I wrote a complete letter, and what did they do? They sent it back. No explanation, nada. They said you no longer have an account so we won't help you. They barely helped when I had my mortgage with them. Glad I re-financed with another group. Never use them. Let this company tank. They are an embarrassment to the U.S.

I started having fraud charges taken out of my account and my son’s account with Bank of America in 11/2012. I have called numerous times to get the accounts closed. To this day, neither account is closed. I went to my local bank last week and was told it will be another six days to close the account. When I got home and checked my emails, this is what was waiting for me:

I have two loans currently with BoA for under $75K for investment property. I was in the process of looking for a 3rd when I applied for a loan. Preapproval of $100K, my credit score was 810, and they gave me a 3.25% rate on 15 years with 1pt and 25% down. They kept telling me how impressively kept my finances were in order (I am less than 30 years old). Once I had finally had an offer accepted, I went back into BoA to file for the loan. The loan amount was to be $64K. They told me that the new rate (60 days later) was 4.75%, and the reason was the loan was now too small and required a higher rate. In addition, my credit score had dropped to <800 (this was caused by the 3 times they ran my credit in 2 months). On my other loans, this was never an issue nor were there any of the fees I'm about to outline. After this, I provided the necessary forms/documents, but they required additional (1) IRS-based tax forms, which they charged for; (2) a third credit check fee; (3) an assessor charge, which was 3X the going local rate; and (4) a loan development fee.

They have held my insurance check for 4 months, and they refused to endorse it and return it to me. I have spent everything I had to repair my home. They have played with me for 4 months now. No one returns my calls. I have faxed and mailed documents they lose every other week. I have called more than 40 times, and there is still no response on when they will be sending back my money. This company is disgusting and does what they want because no one holds them accountable. I am now behind on my mortgage because I have spent all my money on repairs. They told me 4 months ago it would take 2 weeks to return the check and to endorse and send it to them. What a lie!

They have been nothing but a nightmare. Customer service is the worst you'll experience. They do not care about you and you will go in debt with all their wonderful overdraft fees. Their supervisors talk over you and give you plenty of attitude trying to prove their point and does not give you any options to help your situation. All of a sudden, they also started charging you for sending out debit cards, (all other banks are free). I'm never banking with them again.

I have had an account with Bank of America for 20 years. I understand fees are a necessary, but wanted to warn others about this one. I got a $50 money order for which they charged me $5. I then happened to walk into Walmart where the same thing would have cost me .70 cents. While this will not put me in the poor house, I find a 600%+ difference in cost is ridiculous.

BoA sent me a debit card in the mail with the notification to call a number to activate it. One major problem: I don't have any bank accounts at BoA. I closed them years ago because I despise their business practices. I had to spend over an hour trying to find out why they sent me this card. I also freaked out and pulled all my credit reports thinking someone stole my identity. My accounts are listed as closed. How in the world can you just send me debit card? How is it legal? I think it is a deceptive business practice.

BOA has been a nightmare for almost every day I was a customer. About a year after I opened an account with them (to have a local bank to make rental deposits from tenants), I started to get charged all sorts of crazy fees without realizing it. There was one week where I used the BOA debit card to buy $1.78 cups of coffee at the coffee shop located in the University library. Without my knowing, a renter's check bounced leaving that account .37 cents in the negative. Yet during that whole week, I bought coffee twice a day ($1.78 each time) and the debit card allowed it to go through. However, BOA was charging me $35 for each $1.78 overdraft each time it allowed the transaction to go through. It wasn't until the end of the week did I realize what happened and I had over $300 in overdraft charges from several $1.78 cups of coffee!

This branch provides poor service and I will forever more go far out of my way to avoid using them. The branch is continually understaffed. This leads to long waits regardless of the time or day; though Fridays are of course the worst. Today, in a not uncommon setup, I waited for 26 people in front of me before being served by one of the 4 working tellers. The bank itself is several thousand square feet and has 12 teller windows, though I've never seen more than 4 in use. The ATMs at the branch are regularly broken, forcing even more people into line. The building is old and shabby and looks better befitting storage for unwanted children's toys than a professional bank. For shame.

I have been a longtime customer of BOA for over 18 years. Recently, BOA charged me $35.00 overdraft fee for 66 cents. I was livid. I called the 1-800 number, spoke to customer service, and explained my situation. They bluntly told me nothing could be done. I then called the branch manager at the Coral Springs branch and explained my situation. This woman was really rude and nasty, asking me what the problem was and why was I overdrafted. I just looked at the phone and hung up. I will be closing my account before the end of this month. BOA is the worst bank that I have ever dealt with. They don't care about their customers.

I went into a BOA and made a deposit. Part of the deposit was in cash and the other part was a $100 check. The teller gave me a receipt showing I gave her the check and the cash. Two months later, I got a letter from BOA stating they deducted $100 from the account because they could not find the check they took from me. I took my receipt from that deposit to the bank showing I had proof they received the $100 check from me. I guess the receipts they give to customers that shows how much money they have taken from you are of little value because to date, my account is still $100 short because their teller lost the check. The bank's response was for me to go back to the person who wrote the check and get them to write another check.

It seems we were about 20 bucks short over New Year’s Eve although the recording said we were fine and we were aware all of our check had passed through. We were notified by a post card that anyone could open on this issue. I called my local branch where Julie (the branch manager) was so aspirated over customer overload that she could not get rid of me fast enough. I tried the 800 # to get our money back (both my husband and I were 15 years customers with never a bounced check that included two checking accounts and savings account). After a maze of numbers to punch and 20 minutes later, a Luann got on. And in the middle of the conversation, her end went dead. I tried again, went through the maze, was on hold for over 20 minutes, got a Lisa, and the very same thing happened. BOA had now two dropped calls. All this time, I had remained quite cheerful. This was about to end.

I finally received a modification after I applied for two years. I was never late on my payments but needed assistance due to much lower income. I paid the four modification payments for September, October, November and December 2012. In the meantime, I received late payments and non-payments notification. I have spoken with my relationship manager every time one has arrived and I have been assured to ignore them since they were automatically sent out. She stated that once the modification trial period was over, they would stop and the account would be fixed. The trial period is over. I paid on time. I paid for January. Nothing changed. The aggravation has increased. Furthermore, I was informed that that process for finalizing the modification could take over a year.

Two years ago, I had to do a Deed in Lieu of Foreclosure on a house I lost during the recession. BOA and I agreed that they would get the house, plus they issued me a promissory note for a set figure. The deal was closed with the note paid in full as of November of 2011. On the credit bureau reporting, BOA shows that I currently am past due for a certain amount of money, which is not correct because we cut a deal and I lived up to my part. It should show a zero balance but of course, it will have all the other details of the loan. They have given me an endless runaround.

Every time, just try to contact them to ask a simple question, no one answers the phone. So far, it is only 12:20 in the afternoon, and I have been on hold to speak to someone for over an hour. I have Chase, Capitol One and Citibank cards and also American Express and never had to wait over 10 minutes to get a representative. I had closed all of my Bank of America accounts 2 years ago, and I am sucked back in because Spirit changed over to B o A. I will be closing this card.

I had a low balance in my account, and the bank charged me a fee, which then overdrew my account. They then proceeded to charge me a $35 fee for an overdraft. I made an $800 deposit of which the bank then confiscated $500 to hold for two weeks! When I went to the bank, I was told by the manager that she could not help me on an ATM transaction. So I had to call the 800 customer service #, which took all day, and was also told that since it was a computer that put it on hold, no one, not even a manager, could override it.

I am trying to contact the right person in reference to my auto loan, but every time I talked to a representative from this department (Customer Service Auto Loan), I get a different answer and with a very poor customer service. December of 2012 was my last payment, and now they are telling me that I still owe $714.00 between interest and late fees. What I am just asking is to waive those late fees, and I'll pay for the interest that is $241.00. That's all I have available. This is my last payment, and I really need the auto title.

I had BOA 800 number saved in my cell phone directory. However, my smart phone broke this weekend, so I ordered a new one. I have been trying to contact BOA all morning by surfing the internet for their 1-800 so that I can check status on a scheduled payment. It’s been 3 hours, and I have yet to find an actual 800 number that will allow me to access my info. BOA customer service reps are idiots! They keep sending me to wrong departments. They don't even know where to send me (can't look up my account because it's a loan and not a credit card). Bank of America has the worst automatic system. It will not send you anywhere unless you have an account number. (The number saved on my phone was one that dealt with loans, and it would allow me to enter my social rather than a 20-digit loan number.) It’s very annoying!

I applied for and was offered a modification on 9/14/2012. The modification raised my payment by over $400 per month starting October 1. I declined in writing to Bank of America, and for the next three months, I continued to pay my original loan payment before modification. Since that time:

I just moved to a new state, and they do not have my usual bank here though it is a national brand. So I decided to go through BOA. Things seemed to go fine in setting up my account until a few days later when I tried to log in to my account to check it. It would not let me log in, even after repeatedly submitting my SSN (which I hate to have to ever do) to verify my self. It only kept telling me that I had exceeded the number of tries, even when I had only tried it once. I called them and told them about the situation. The first time I called, the man forwarded me to a number which promptly hung up on me and forcing me to call again. The second time, the woman informed me that on that day, my account was closed even though I had just received account verification and additional info the day before! I asked her why, but she kept saying that it did not say why.

Okay, so I had to do a dispute on a transaction. AT&T took out money from me when I did not have any accounts with them, weird. But initially when I filed my claim, they said AT&T got a hold of my routing number which I never gave out. So they gave me a temporary credit of $100.00. They told me I need to fill out the Written Statement Form and it would be mailed to me. 1 week passed and nothing. 2 weeks passed and nothing. 3 weeks passed and nothing. My wife is always at home taking care of our 18 month boy. So she is the one who checks the mail.

I own 2 homes with mortgages with BofA. I have both payments taken out electronically on the 15th. I sold one home and it had a closing date of 12/18. Since the date was so close to the electronic transfer date, BofA gave the title company a payoff amount including the amount due for the 15th with the appropriate interest so as to not interfere with the closing. Therefore, there would not be a payment for December on the house sold. Well, BofA struck again! The payment was taken out in error and caused me to be overdrawn.

I hate Bank of America, not least because of its completely incompetent customer service. Several times recently, I have had to call in about an issue with my credit card account. I always introduce the problem before launching into an explanation. Yet, the person at the other phone has, without fail, waited the entire length of time it takes me to explain my issue before informing me they cannot help me and/or I need to call another department to resolve the issue. Each time, this was something they could have told me at the very beginning before I even began explaining the problem. They simply sit there and wait and I end up wasting ten minutes or more of my time. I try not to be rude and hang up on them, but whoever is on the other end of the line takes about two minutes just to end the call (speaking very slowly off a script) instead of just a polite but efficient termination. The experience all around just sucks. I hate having to call Bank of America.

I am a new BOA customer (I need to have a local bank in addition to my wonderful credit union). Well, on December 3, I made a deposit at the ATM (I'm only an e-banking customer) with my local BOA bank. After completing my check deposit transaction, at which time, I then received the typical ATM confirmation slip. This slip stated my deposit amount, along with my current balance, and the amount available (from my check deposit that day) to me the next business day. And finally, my ATM slip stated the pending date as to when the remaining balance (from my present check deposit) would be available. So, okay fine.

I went in to open a secured credit card. I waited an hour to be seen and opened the account with a $300 deposit. A week later, we received a notice that I could not qualify. A week and a half later, I received the cashier's check back in the mail. I always cash my paycheck from BOA and get charged $5 to pay for the transaction because I do not have an account there. I can't wait to see what happens when I take their cashier's check back to them. How much will they charge me for that? BOA is a ripoff.

On Friday, November 30, I tried to make a cash and check deposit through the Bank of America ATM and the transaction was denied. I walked in the branch and asked one of the associates. They advised me my account has been blocked by Bank of America Risk Department, and I was not able to do any transactions and/or access my funds. I have been in contact with the branch manager at El Cajon, Amanda **, and a lot of representatives over the phone at the risk department. I cannot provide names because they don’t say it for security purposes. They froze my account and will close it because I received several NSF checks ("pay attention", I receive the checks).

As usual, I had deposited my paycheck into my local ATM on Friday. After depositing it, I withdrew over half of it and left some in my checking account. On Monday, I went to the store and swiped my card to pay for my purchase. It showed on the cashier's screen that it was a possible fraud and that the card could not be accepted. After waiting for almost an hour to talk to someone, they said that they had no idea what was going on and gave me another number to call. After doing that for 5 or 6 different times, I was finally told that the check appeared blank to them through the ATM. I had withdrawn insufficient funds so my account was closed and they would be sending me a letter telling me where to send them $250! I would not be getting any of the funds, if any, in my account! How is that fair to me and my family? I have done absolutely nothing wrong, and refuse to pay them money when they're the ones who owe me! I have no idea what to do!

The recording said, "Stay on the phone and the next associate will be with you shortly." After forty minutes with constant reassurance that someone from BOA would be with me shortly, nothing happened. So I said that this probably happened to many of you. After forty minutes, an associate came on, a male, and I told him what happened. He said that they were doing updates and they were sorry. He then hung up on me after I gave him my account.

We have had B of A for years. We always had a problem with them and checks would bounce. So after years, we finally went to online banking. At first, things seemed to be okay but I could swear, purchases would vanish only to reappear a week later. I mean one minute, it shows I went to Safeway and it's pending and the next day, it was gone. I kept thinking I was nuts. Why would they take away a purchase? I even called several times and they said they didn't see it on their screen. No kidding, you took it off only to see a huge account balance a week or a few days later after I thought it went through. So today, I checked my account. I do it daily since I don't trust them.

I owe $18.00 and I didn't pay it fast. So at the end, they charged me $104.98 and the day after they sent me to check system. I was unable to open any checking account for like 3 years. So every time that I need to change my paystubs, I went to different stores or places where they charge $3.00 to cash my paystub. I have the proof that I paid that amount, but they didn't remove this out of check system so I still have that on my credit report. That's not fair!

Angry is an understatement. I overdrafted my checking account by approximately $11. I expected a $35 overdraft fee, but was surprised to see that a $100 cash advance was transferred from my BOA Visa to my checking account. I mentioned it to a close friend working at Chase and he warned me to look into it immediately as the consequences could be serious. Upon looking at my banking statement, I saw that the $100 cash advance had an APR of 19.25%, which could only be paid off once my balance of approximately $7,550 was paid as the lower APR balance must be paid first. I had a concern that the amounts accrued from interest would be added onto the $100 base, which would lead to a snowball effect (exponential growth each month). Meaning that the $19 accrued from $100 would be added together so that the 19.25% APR would be applied to $119 the next month, $141 the next, $167 the next, etc.

I recently had a very bad experience that has severely damaged my confidence level at BOA. On 01-Oct-2012 (Mon), I went to a BOA Banking Center and deposited a check in my savings account. My online banking identified my deposit as “in process”. On 02-Oct-2012 (Tue), interestingly, my deposit transaction mysteriously disappeared from the savings account (checked through online banking). On 3-4 Oct-2012 (Wed-Thu), I periodically logged on to online banking various times, hoping the missing transaction would appear as credit, but no luck. On 05-Oct-2012 (Fri), I went again to the Banking Center (same where I deposited my check) and inquired the teller about the missing transaction but she was not able to locate it.

Over the past two years, with increasing occurrence, Bank of America has had major bank statement/available account balance information issues. As soon as they got caught for racking and stacking charges to get multiple overdraft fees, they began to play a new game - not displaying transactions made and/or combined with pulling transactions that were displayed earlier in the week off and adding your new charges to the top. So when you check your account balance daily, you think okay, everything I charged up for the last week is there, so now I just need to make sure everything I charged up today is there, and I'm okay, this is my balance...

I had scheduled a one-time payment far in advance, but at the time for payment, my account didn't have enough funds, so it was returned as INS and I was charged $35. What I was not told was that my account would be charged up to three times trying (without the funds available it amounts to $115) to pay the creditor (which is unheard of! Since when do banks take the responsibility of making multiple unscheduled payments trying to pay off a customer’s bill?) So I called it in to cancel the now unauthorized payment, only to be transferred through multiple representatives and finally a supervisor who basically told me there was nothing to be done! Why? According to the supervisor, I should have read the full disclosure on Online Banking and Bill Payment and that was it! Bottom line: I am depositing the money, paying the bill along with the $70 unnecessary fee, and closing the account.

I had not selected paperless billing for my accounts. My credit card payment became overdue and closed. As soon as I knew it was overdue, I paid the bill, and I have never been behind on a credit card bill ever with any bank. B of A refused to help me. I had not received my paper bills and so was not aware the account was overdue. Customer service pushed me from online, to regular banking, to credit card department for hours getting nowhere. Eventually, I asked for a supervisor. The supervisor simply looked for any reason to tell me “No, we can’t help.”

For the past 8 years I have been an Insurance Agency Manager dealing with about every bank and mortgage company licensed in NC. Prior to this, for 12 years, I was a bank manager and/or mortgage broker. I believe I know what I am doing. Anyway, I will have to say, BOA (insurance department) is the worst bank I deal with. I always call to ask what I have to do to get my request completed and completed correctly and it never fails; every single time it gets screwed up. I sometimes think maybe it is me going crazy. But when I call back, after everything has gone wrong, and realize I have wasted all that time because I will ask them to read the notes or pull up the paper I faxed to them, and they will and see where they explained what I need to do but then decide to do it another way, which causes so many problems for me, the customer, the insurance company and I would think for them as well? OMG! I will be glad when another bank buys them out!

I recently had a very bad experience that has severely damaged my confidence level at BOA. On 01 Oct. 2012 (Mon.), I went to a BOA Banking Center and deposited a check in my savings account. My online banking identified my deposit as “In Process”. On 02 Oct. 2012 (Tue.), interestingly, my deposit transaction mysteriously disappeared from the savings account (checked through online banking). From 3-4 Oct. 2012 (Wed.-Thu.), I periodically logged on to online banking at various times, hoping the missing transaction would appear as credit, but no luck. On 05 Oct. 2012 (Fri.), I went again to the Banking Center (same where I deposited my check) and inquired with the teller about the missing transaction but she was not able to locate it.

I live in Rochester NY and I came down to Florida to find a house and buy it so I can relocate. After going through a quick short sale and an illegal robo-sign foreclosure that I'm still fighting, well guess what? I found the house of my dreams in Tampa, Fla. To my surprise the bank who owns the house is BOA. My husband had been pre-qualified for a mortgage with Cole Taylor Bank in Rochester. However they denied to grant that mortgage even when he was pre-qualified. They told us that in order to buy the house, we had to acquire a mortgage with them to buy this house. We were in complete disbelief to hear that. We called people, with our realtor, and bank managers and someone called us over the phone and asked my husband about the foreclosure.

I have a BOA Royal Caribbean credit card with over 82,000 cruise points worth a $1,000 credit off a cruise. I made a payment in May 2012 of $161 and made a mistake which I didn't notice that it went through at $16,100. This locked my checking account. I called BOA and they refunded the payment except for the amount of $161. Then two days later, BOA ran the $16,100 payment through again, locking my checking account. I talked with my bank and they told me the only way to stop this is to close the checking account, which I did. Then about 10 days later, I received a letter from BOA that they closed my credit card. I called BOA and asked if I could redeem my points and their reply was yes, I could when I wanted to use them.

On October 10, I had accidentally made a wire transfer of over $3,000 to an account that had been closed. My first issue was the fact that this transfer was completed when the account had been closed for over a year. Secondly, instead of the money being put back into my account, it was nowhere to be found. If I had not noticed that I had made a mistake, who knows where the money would have gone? When I noticed what had happened, I called right away and they lied to me saying that they would return the money on that Saturday (the bank then told me that they do not do wire transfers on Saturdays). It is now 3 weeks and again I was on the phone with Bank of America for 2 hours and I still have yet to receive my money back.

I haven't been pleased with BOA several times, but this last one burns me up. I ordered some checks (which, by the way, are priced way too high), and after several weeks, the charge comes, though, and I was charged an overdraft fee of $35.00. The purchase wasn't even the same amount of the fee. And to add, I have never “overdrafted” my accounts. And the one time I get it, it's because they decided to wait 3 close to 4 weeks to withdraw money out of my account, which put me in overdraft. And then after contacting them, they refuse to take off/refund the fee after I said I would transfer money from my other account "with them" to cover the check fee. I’m not happy with them, and I’m looking for a new bank now.

My property was foreclosed upon without any sort of notice. I was in fact told by a BOA representative that they had attempted to contact me twice at two different numbers - one was a fax machine, the other a number that had been disconnected for 4-5 years. There were no other attempts to contact myself or my wife about the foreclosure. We were working with a realtor to short sale our home and had a cash offer. We were enrolled in the HAFFA (sp?) program at the recommendation of BOA. We were not notified that we were discontinued from that program and neither was our realtor.

The level of incompetence of this bank is beyond amazing. A recent headline in Fortune says it all: "Bank of America's Moynihan tops list of worst performing CEOs." My most recent problem happened today. My wife is traveling abroad and she needed to make a payment using the bank's credit card. The transaction didn't go through. I called the bank and got disconnected in the middle of my explanation. Eventually, I talked to a person who assured me, absolutely, with total certainty, that the block on the card had been removed and my wife could make the payment right away. And, as you guess, the payment did not go through. She had to resort to an alternative but far less convenient and more expensive method. She had to suffer the embarrassment. This is a bank run by incompetent amateurs who couldn't care less about customer service. It is not surprising that most of the reviews give the bank only one star, the worst rating. Time to say good bye.

I requested an amortization schedule, updated with a principal only deposit on my mortgage. I have been promised it would arrive in 7 to 10 days. I call every 10 days, I have visited the bank branches and lots of promises. It's been months and still promising.

I tried calling the customer service number for B of A. After many prompts, annoying automated questions, and entering my account # several times, I sat on hold for an agent. When I did get a live person, I could tell she had a foreign accent. I proceeded to explain that I needed to change my address. While giving her my new address, she asked me for the suite # or apartment #. I explained it was a residence and there was none. She then said, "I cannot continue on without a suite or apartment #. What is your suite or apartment #?" At that point, I asked her where she lived, and she said Costa Rica. I explained to her that in America, we have residences, homes, with no apartment or suite number. She hung up on me. Unbelievable.

I am disabled due to 9/11/2001. I have a fixed income and try to balance the account to the penny. Something went wrong this month, and I was overdrawn $3. The bank charged me $35. This is causing me to get further behind. I called a supervisor who told me I had reached my quota for courtesy adjustment and could do nothing to help.

I am a South African that worked on cruise ships sailing for various ports in America for approximately 7 years. During this time, I was approached by Bank of America to open an account with them for my earnings. Since leaving America one year ago, I have had nothing but problems with getting my money out of Bank of America. Before leaving Miami, I went to a branch of BOA and was told it was not a problem to do a wire transfer from SA to get my money. This proved to be the biggest joke. I have spent an enormous amount of money and time getting various notarized documents from the US Embassy in SA to prove who I am and that I want to get my money transferred. It took all of six months to get less than half of my money transferred via EFT, not to mention endless phone calls, notarized documents sent via DHL and hundreds of phone calls.

This is the thanks we get for being loyal? I am shocked and amazed to find that history is repeating itself. It’s funny to me actually. Might I know how dare a bank charge us to use them? I have no problems storing my own money away without them and truthfully that seems to be the best bet. I was fed up with the unfair overdraft fees that my previous bank kept charging me so I sought refuge in Bank of America. I have been with them since 2007 and they were flawless to me, until the month of October. I'm battling them and proactive over my accounts and money. Proactive is constantly withdrawing money out of my account that doesn't have money in it. BoA is supposed to decline my debit card if there are insufficient funds but yet all of this is continuing. Not to mention, the bank statements aren't matching up and the tellers haven't got a clue what’s happening to my account.

I am a normal 38-year-old mother who has had immaculate credit my entire life. Bank of America has reported two 30-day lates to the credit bureaus. Twice I notified BofA of their error, and they admitted to their mistake and sent me a letter notifying me that they would update this with the credit agencies. Shortly after this, I received a letter saying they reviewed my file and their info was accurate and that they stand by their decision to report me. I have been a loyal customer for over 20 years. The first 10 were great, but they have gone downhill since then, and we all have to suffer.

I've defaulted on some debts in the past, but now I am employed with a well-paying job, have no debt, and no outstanding bills. I asked for a $200 increase on my credit card which has a credit limit of $800. That's right, an $800 credit limit. I wanted an even $1000. They said no. I have a $100 balance on my credit card. I pay the full balance off every couple of months. They said no. This company, which would have gone bankrupt if not for a taxpayer bailout, helped decimate the housing market within unethical lending practices but still possess billions in reserve - this company couldn't give me an extra $200. So, screw BOA. I'm taking my business elsewhere and I hope they do go bankrupt next time.

Without a warning about a pending overdraft charge twice now in a month, $70 has been taken from me without return. Both times with a simple transfer from savings, these charges could have been avoided; but because banks are all about making money, they screw people who can hardly afford to feed their kids! Seventy dollars buys enough food to feed my kids lunches for a week. BOA needs to be more about helping their clients than screwing them - it's why I left Chase, and now BOA is just turning into another “screw everyone” bank! A shoebox is a better bank than BOA!

I have had so many problems with Bank of America, where to begin? First, I never have problems paying bills and pay before the due date, and I pay more than the minimum. With BOA Visa, they tried to screw me on the 0% introductory fee and cut short the amount of time and start charging unethical fees for no reason. Luckily, I saved the original advertisement, so they had to reinstate the 0% until the designated time frame. I paid off my balance and closed out the Visa because I don't like dealing with unethical banks. Unfortunately, I had also taken a mortgage with BOA. I paid my mortgage early every month and paid thousands of extra $$ to reduce my principal.

It just sucks that you can't go to a teller at Bank of America without incurring an $8.00/month charge! To hell with the customer, right? "We don't want to deal with customers!" I'm so tired of sitting in bank machine lines while the selfish jerk ahead of us monopolizes the machine for 20 minutes or more - yes, 20 minutes or more! - with only the option of driving all over town to another machine where there's another line. What the hell is wrong with businesses today that you have to actually pay to do normal, necessary business like putting your money in their bank?

I deposited some checks into my checking account. Some of the checks bounced and I am wondering if the others will too. The bank is charging me a $12 fee for every check that came back non-sufficient funds. I contacted the bank because I have never heard of a bank charging their customers fees when they deposit checks that are bad. I have heard of banks charging fees to the person's account who wrote the bad checks. I let the bank know that I have been a loyal customer for the past 8 years and have never had problems before until now. I asked the customer representative if the fees could be waived and refunded back to my account. The bank customer representative said no and that I should be more careful who I accept checks from.

This is the worst banking service ever. They constantly charge fees whenever they can. They do not try and help you get on track. They don't care if they lose customers, which is probably why they lose so many. Everyone I talk to has left BOA. I am on my husband’s account and my mother’s account; they are not on mine. My husband was over drawn; taking money from me is somewhat understandable since I am on his. However, taking money from my mom’s account to put in my husband’s should not happen. Everyone knows they wouldn't let my mom take money from him, since she’s not on his account and he’s not on hers. But they sure will take money from her so that they get theirs - unethical and unprofessional.

I deposited my payroll check into the ATM. The system placed a hold on it after it took the check so it was impossible for me to go into the branch. When I called and explained that I had been a customer of BofA since 2001 and I always deposit the same check every 2 weeks, to please release the hold because I had sent bill pays and checks out, they refused. So, I was charged $35 for 4 items and they would not reverse the fees. This is what you go through with BofA after being on hold for 15 min. and transfers and explaining the whole story all over again. I'm looking forward to closing my accounts with them. Don't bank with BofA! They are too big and don't care about their customers until they need a bailout!

Bank of America has a never ending issue. Your account balance never reflects what they have in their system. There is always some ** runaround as to why. I wrote a check and it cleared and 2 days later, I made a purchase for $7.75. Now here is the problem. I forgot that a deposit was not going to hit in time; however, I still had a positive balance after the check cleared on my end of my account history on their website. Then 2 days later, I see a 35 dollar charge for overdraft. Now the issue is real ** simple. After the check cleared, there was a positive balance. After the $7.75 was made, it should have been -$4.75 and they give you 5 days to get the account positive which it was 2 days later and yet these sorry ** will not refund the $35 overdraft charge. I am sick and tired of their ** excuses and as to why my account history never reflects what they have on their end. This has to stop. My account should reflect what they are seeing also.

I attempted to use the drive up ATM at your 1300 Spring St., Silver Spring, MD branch. It was out of order, so I drove around the block and parked in a space in the alleyway (not in the fire lane), and in the minute or less that it took me to retrieve my cash, the building's management had a tow company hook up my car and was about to tow it away. I complained to the branch manager that the building's property manager was hurting your business and the convenience of using the ATMs in this situation were useless. It cost me $50.00 to have my car unhooked. I have been a BOA customer over 20 years, and unless this is resolved either by the bank, the county Office of Consumer Protection where I filed a complaint against the tow company (G&G Towing) for predatory towing, or the tow company itself, I will not only leave your bank, but also publicize my experiences.

I would like start start of by saying I was all for Bank of America. Somehow, I managed to see that Bank of America was hardly a bank of the people as they claim to be. Over the past four months, I've been misled to think that my past due amounts can be looked past if I were to catch up on my payments. Bank of America has put me on payment plans that only leave me in more debt with my credit line. They seem to note all of their mistakes through the calls you make to them but never have a solution to your problem with the false information they feed you and blame it on other departments like they are not a part of same brand and speak for the same company (words from one of their employees, Joshua ** of the credit line department). God help you if you're trying to solve any problems you're having dealing with Bank of America.

Bank of America continues to rip off its customers with multiple overdraft fees on the same day. My account posted 3 transactions on 9/19/2012. I had a balance before postings of $101.47. The three postings were $18.79, $9.38 and $104.27. Bank of America of course posted them in this order so they could maximize their overdrafts: $104.24, $18.79 and then $9.38. By ensuring that they posted the largest transaction first, they were able to charge me three overdraft fees instead of one. This is BoA's last ** to me. I am closing my accounts on Monday and I am moving to another bank. I would suggest everyone else to do the same.

I don't even have an account at BOA, but my boss banks there and wrote me a check for payment. After work, my bank was closed so I went to BOA to just cash her checks. I went in the branch at 345 North Brand Blvd in Glendale. I was helped by **. I said I just wanted to cash these checks, I'm not a customer. He started asking me to open an account, why don't I have an account and where do I bank. Okay, I know the bank makes him ask, I get it. But when I kept saying no, I am not interested, he wasn't pleased. Then he said, "My machine isn't reading your checks. The only thing you can do now is open an account." I laughed and said, "Seriously, you can't just enter the check in manually?" He said, "Nope, you'll have to just open an account." **?

On August 29, 2012, I opened a checking account with Bank of America. Weeks later, my account was cancelled and a $329 direct deposit plus a research charge of $40 was applied to a negative balance of $888,888.88. This action by Bank of America caused me lots of pain and suffering.

We sent a deposit from Chase to BofA. We've done it before without event; however, this time they lost the payment. My disabled/elderly mother has stressed for days as we both called, emailed and faxed all required documents to find this payment. After numerous hours, nothing is resolved and the reps at BofA won't even give me a fax number to send proof of this payment to them. This proof shows this payment was accepted at BofA over 13 days ago. Had I not watched for this money, my car insurance would have bounced and caused me to lose my insurance, which in Texas is illegal. Luckily, we had funds available at the credit union to cover this insurance charge while waiting on BofA to correct their error. Meanwhile, BofA keeps sending us back to Chase and even tells us to "recall" the payment, but unfortunately you can't "recall" an electronic transfer.

In July 2008, I was called by an employee for my successful store, "A Bit of Zen,” which I poured my real estate split from my divorce. Everything - because as an entrepreneur I had built $1.3 million in product and hundreds of products which my ex-husband bought me out of for $120,000 in my kitchen since he paid my lawyer not to represent me, got another plus himself, and slandered me in court just because I wanted to divorce him. He should be disbarred. He also slandered me to save himself from child abuse charges the police told me to make - for twenty years he slandered me in the workplace where I made him a millionaire and with every family member I have and with every friend I had. He even slandered me internationally, telling people I "took all his money" while he underpaid me $400,000 for biz "to pay debt".

Being a disabled and now a single parent, I need every penny I get. Being on a fixed income, I have to and try to be really careful with my purchases. Financial emergencies come like rain and it pours. I was robbed of $84.64 in August. My disability check came in and took care of it. But the thing is I really didn't have it to begin with. I wrote a check for under $6. This was in July. The check hadn't cleared until two and a half weeks later. I didn't realize it and wondered where the overdraft fee came from. Then they charged me an overdraft protection fee for 10 bucks. For what? No money was there. Since all my bills were paid and no money was left, I got hit with an extended fee. All of this for $5.41? Laughable...

I tried to set up auto-pay online to pay my full balance each month only to find out I needed to fill out a paper form and send it in. What?! I can do this with other card issuers! Are we not in the 21st century? So, I fill out the form and send it in. They took so long to process it that I ended up being late for a couple of payments. Ok, late payments are on me. Still, if they had done their job in a timely manner, this never would have happened. Finally, the auto-pay kicks in and the first payment is, indeed, for the full balance.

First I'm upset that I even have to spend my time getting the attention of corporate BOA about this. I tried calling and voicing my complaint about the $16 maintenance fee on my small (and I mean small) business account over the phone last night. I really wanted someone from corporate to know that I'm not going to sit back and let this happen. The rep who took my call started off cold and monotone, but started to change her tone a bit when I got angrier and insisted on talking to a supervisor. When I asked for another supervisor, I was told I had to leave a message on a voicemail and that it was policy. This just made me angrier.

I wrote an earlier review: I inadvertently over drafted one of my checking accounts by 50 cents. Bank of America charged me a $35 fee for this minor overdraft. When I spoke with an online customer service rep, she told me that because I had a fee refunded in the (distant) past, I was not eligible for a refund or waiver of this ridiculous fee. I don't think this is good business. If one has problems with a bank, one can file a complaint with the Federal Reserve ** and this is what I did. It will undoubtedly cost BOA more than 50 cents in postage to respond to the complaint. I guess the days are gone where there is even a pretense of 'customer service'.

I went to the BOA branch at 855 Pollasky Clovis, CA to get cash from my BOA EDD debit card (California State Disability Insurance benefits). The teller asked where I banked and I politely told her it was none of her business. The branch manager butted in at that time and said, "I don't let anyone talk to my tellers like that. This transaction is done." I was astounded, asked her if that meant she wouldn't let the teller give me the cash from the card. She said I needed to go outside to the ATM. I told her I had $1,300 on the card and the ATM only lets you get $1,000 a day so that was unacceptable. She kept asking me where I banked and I kept telling her it was none of her business.

I retired from Bank of America. They take the money to pay for my medical insurance out of my Bank of America pension checks. I am elderly and disabled. Instead of paying my medical premiums, they keep it so my medical gets shut off. Last time it was for over a month. I lie in bed and suffer. I don't know how long it will take for them to straighten out their mistake this time. I had to cancel all my doctors’ appointments and go without medicine that would help ease my suffering. This time they not only shut off my medical, but they back-dated it back to April so that Aetna is going back and denying all my claims and asking for their money back. Now I will have the doctors’ offices calling me. Is anybody there? Does anybody care? This is week two.

Today, I decided to get a new account from a credit union. I thought so far everything was good. The next thing I know, the lady asked me if I ever had an account with another bank. I told her, "Yea, but I closed it a while back." She said, "Well, BOA posted an overdrawn account in 2009 for the amount of $385.31." I said, "That can't be." A while back I told the lady that I didn't make those charges and I'm not paying for them. Needless to say, she said, "Well, we aren't fixing it. You have to pay it yourself. You waited too late to report it." Smh, so thanks to them **, I can't open an account at all.

Violence at Bank of America in Neptune, NJ - Yesterday, my 70-year old father who walks with a cane went to Shoprite 2200 New Jersey 66 Neptune City (732) 775-4250. He had to go to the bank and the bank he uses is Bank of America. The only location near us is in Shoprite. So as he was walking into Shoprite, a young kid, maybe 13 or so, got in the glass turn style with my father. The kid kept talking to somebody outside and because he didn't move, the turn style didn't move so my dad said "Hey, I need to go. Stop talking." The kid started yelling all kinds of profanities at my father and eventually, he was able to get out of the turn style.

I overdrew my account by $2.12 by making an online payment on my credit card. I was hit with (2) separate $35.00 fees and the transaction was paid. B of A disclosed in writing that it did not charge overdraft fees on drafts under $5 and I never opted-in to have overdraft items paid. When I complained to the bank via email that $70 was a bit excessive for an oversight of $2, they basically responded with a 3 page letter explaining how a checking account works, refused to waive any of the fees and said they appreciated my business. As for why they paid the item in question, their response was unbelievably: "we sometimes pay these items."

To receive information via fax: I have been trying to obtain information regarding construction loan documents since ~8/6/12. No one seems to be able to help me, and I am being forwarded from one department to the next. I received the wrong documents on multiple occasions, and I am being charged $15.00 for wrong documents. I have been informed that the number to the department that can assist me is 800-729-6771.

I called to make a payment and I spoke to Shereyar (ID number **) and let me just tell you: he was rude. I started to explain that I wanted to make both monthly payments to him and he replied that he could handle that and told me about the fee by phone. So, I asked if there was any way he could waive that so I can make the payment in full and he told me no. I proceeded to ask if there was an online service and he started talking, so I said I was sorry and he proceeded to tell me that there was no need to apologize. If I wouldn't have been talking while he was talking, I would have heard him and he will repeat the information for a second time. And that just set me off. I was upset and asked to speak to a supervisor because he was being so rude to me. He asked me why and I said because he is rude and I want a supervisor and he told me to hold.

How the Government and Bank of America Destroy Small Businesses - As Bank of America bought Countrywide Loans, our loan was transferred to Bank of America, and we continued to pay Bank of America our current home loan payments. Also, our business had a $50,000 line of credit with Bank of America in addition to a $75,000 line of credit with Advanta Bank Corporation, which we had yet to use.

I have banked with Bank of America for 20 years. I paid California Edison bills over the phone for $25 using Bank of America checking account. I didn't realize that my checking account was short by $3.06. I was charged $70 for insufficient funds/short of 78 cents and $2.28. This is ridiculous. This is stealing money from us, the consumers.

Bank of America lies! When a bill pay came through on the 17th that was due to go out the 20th and the bank themselves had dated the check for the 20th, I was charged a fee but was still positive in the bank (before the fee, after the fee I was $4 negative!). I called, got the fee reversed and was told if I put $4 in the bank before everything processed (because this was on a Saturday so not a lot could actually be done on this day) and called back Monday morning, they would force pay the bill and of course also refund my fee. I did all of the above and was told by a 2nd manager that it was indeed being paid and went about my day.

I have one account with Bank of America just for side jobs and to pay bills. There’s not a lot of money in this account. Anyway, I used my ATM for a couple small items, maybe a handful of $2-$8 charges. Apparently, there was less in the account than I thought and I didn't receive any emails or texts stating low balance like in the past (I would get an alert on my phone if my balance dropped below $25). Regardless, it was my mistake and I would understand one $35 charge for the initial overdraft, but to continue charging me for several small items is a scam and should be illegal! Bank of America is not protecting my money; they are stealing it and getting away with it. Let's stand together and fight bank robbery.

I deposited my check 5 days ago at BOA and still I can't withdraw my money because they don't know where my money went. I've been to the branch where I made my deposit 3 times and they still haven't resolved my problem. They gave me an 800 number to call, but they are not able to help me either. They keep sending me to the branch. Like everyone else, I have bills to pay but they don't give a **. Instead, they tell me that my problem might be resolved next week. I hope they can also resolve my late fee from my car payment.

I am currently an employee at Bank of America. On May 6th, my son and I was in an accident and when I did not return back to work on May 8th, I was fired and my health insurance was cancelled. When they realized that they were notified in the proper way, and that my firing was unlawful, they reinstated me without health insurance. Now I am employed but have no health insurance and my son and my medical bills are not paid because I did not have coverage. I have complained with management many times and they just ignore it. If I were a shareholder or customer it would have been just the same. Management will do nothing to resolve any problems, no matter if you are an employee, customer or shareholder and no matter what your problem may be or who made the mistake.

I didn't know you could transfer between accounts for only three times a month without fees being charged. It caused my savings account to be overdrawn by $1.35, for which this branch of Bank of America located at 3939 San Pablo Dam Rd. in El Sobrante, CA charged me a whopping $38! The sales specialist Reina ** said if I were homeless, she could reverse the charges due to hardship. But otherwise, forget it. I closed both of my accounts, and she made no attempt to help me or save my patronage. I just wanted to let everyone know that no one should do business with of Bank of America. They don't care about their customers!

This past week, BofA has been doing some interesting accounting on my checking account. One day, I'm up $18; the next, I've overdrawn over $21. Then, they charge me $35 for an $0.88 charge that they didn't even honor. To make things worse, they have now managed to lose $80 that I transferred to my account from PayPal in the hopes of ensuring there would be no more overdrafts. PayPal provided me with a confirmation of the transfer from their end, but the money doesn't appear in my account and the bank seems to have no idea what's happened. It seems like I'm being punished for daring to complain about them.

I had a transaction come out that I simply overlooked and ended up being .89 cents short. I misjudged, that's my error, but to call and get sympathy from a bank I spent years with was truly not worth the hassle. I called and asked for help and was told they could not do the courtesy waiver because I already had one when I filed a fraudulent charge, so I already used that up. I was then told a supervisor would help me. Edith came back on the line to tell me that she'd be able to waive one, which I still don't see how .89 cents equals $35.

I have a military account. This account has recently been altered so that its members cannot deposit funds in an ATM. B of A has confirmed this and I find it to be inappropriate. Beware!

It was my first real bank account (with Bank of America) so I’m not aware of every little thing. I and my brother had a joint account. He ended up going to jail with a negative balance of $35 in his account. I went in to the bank and ask if I can take him off my account because I didn’t want to have to pay his balance off. The teller told me that I don’t have to take him off the account because if the $35 wasn’t paid in 30days, it will automatically take him off. So after 30days, I went back (and let me remind you that my direct deposit was in my account twice a month so I was always in the banking center) to find out that my brother’s account is in the negative $63. So, I asked the teller again if this will affect my account because of the direct deposit that I will be receiving, and she once again said no. Then I said, “But it’s accumulating every month.” And she said that it will all be reflected on my brother’s account. This was a different teller from the first time.

During the Summer of 2011, I was convinced by the local BOA branch in Brookline to open an ATM and checking account since BOA carried my mortgage for two years by that time. I did, and I deposited a mere $25.00. I never used the ATM, and never used my funds. My mortgage, as many are, was sold to another company. BOA then changed my account, with no notification to me, so that I was being charged a monthly fee for this ATM and checking account, which I never used. I stood in line for 45 minutes last week in order to close my account and withdraw the $25.00. But alas, I was told that I no longer owned the funds because BOA used them to close the account by force after using up the funds with their monthly fees, which only were incurred because they no longer carried my mortgage.