Bank of America Reviews

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.

BOA took down a charge for 48 hours and then brought it back when there are charges that would make the account go negative. It caused lots of overdraft. Even though there was enough money pending to cover the overdrafts, I added money in the same hour the overdrafts occurred and still got charged OD fees. I think they know when to let charges to go through to get more fees. My business has watched how transactions go through and they are manipulated. We should have let them go bust and not bailed them out. This is what we get in return - higher fees!

My account with Bank of America was closed on 08/01/2012. I was told by their customer service department that I can go to the local branch and collect the funds remaining in my closed account on 08/01/2012. Accordingly, I went to the bank on 08/01/2012. In the bank, I was told by their representative that they do not have the funds and a cashier's check has been mailed to me on 08/01/2012, and it should take 2 to 3 business days to reach me. I called up their customer service department after coming out of the bank and they told me the check has been mailed and it will take 10 to 15 business days to reach me.

I sent an email to CEO Brian T. Moynihan and I didn't even get a courtesy of a reply. I wanted to speak to him about saving my house. It is very frustrating to not have received a reply. I've also contacted various contacts at various numbers and left numerous messages. I have yet to receive a reply from any representative regarding this matter.

BOA rejected my application for HELOC as not fitting their guidelines after encouraging me to apply. The reason for rejection was noting but the purpose of the loan - to pay towards down payment on another house that I was purchasing. Even though I clearly stated the purpose and emphasized the urgency and time limitation on this application, the bank did not bother to call or e-mail me on the status leaving me quite unexpectedly empty-handed before closing.

Kiran, the Indian bank manager, is horrid. She considers me a good faith customer but now that I've experienced fraud for the first time in my life, she is unhelpful, ruse, degrading, and racist. They could not simply do anything for me. Yet, they gladly gave me the money before it cleared. Who's the fraud, I or them? If the check takes five days to clear and they clear it early for me, who is at fault there? Kiran, you are heartless, unhelpful, and discriminating.

I have been getting calls from Bank of America for a couple of years trying to collect from someone I do not know, who may or may not have had my phone number in the past. I have had my phone number for 10 years and have no accounts with Bank of America. I've talked to the collections people who call numerous times telling them that I don't know the person they are trying to collect from but still keep getting calls. When I explained that to the last person who called and told her I was going to report this to Consumer Affairs, she hung up on me. When I tried to call the bank directly, I could not get through their automated system because I do not have an account number. I want the ongoing calls to stop.

My issue with Bank of America (BOA) unfortunately starts with a divorce after a three-year marriage. We both had our own homes and we had remortgaged my home with Bank of America. My ex-wife signed first because her credit score was slightly higher than mine. In divorce court, we were each awarded our own homes and she Quit Claimed off the deed. I was in the process of re-mortgaging through a broker with Bank of America when the company that I worked for went out of business.

My wife got a call at work, and it was forwarded to her, because Chris "was looking for James." The employee, who got the call, referred it to my wife Terry. My wife is not allowed personal calls at work. She was very bothered and upset about it, and obviously, she couldn't speak as to his call purpose, telling him she was at work and I don't work there. When questioned further, my cell number was acknowledged. I then received a call at 2:07, and I answered his questions. Later, when my wife came home and told me about it, I was concerned. After attempting to call back approximately 10 times and going to Bank of America and PNC with no positive feedback as to the validity of call, my wife and I put credit freezes on our credit bureaus.

I called on June 15th regarding a new auto loan and it showing on my online profile, but it wouldn't allow me to pay. After 1 1/2 hours on the phone, they indicated that it would be fixed in 2 business days. Now July 16th, I logged on to pay the car payment. Still, same problem. I called back, spoke to 4+ people, was placed on hold for over 15 minutes, was told completely different things than on June 15th and was promised that a manager would call me back, which I said needed to be between certain hours as we were in different time zones. I received a phone call back from the manager at close to 7PM my time (I said between 8AM-5PM my time zone). Her name is Hilda, **. I have left her several voicemails today, only to have no answer.

I have now been on the phone for 48 minutes to order a simple ATM card. I ordered a replacement card last week during a call that lasted over 45 minutes. Despite the lengthy call, the ATM card was never ordered and never made it to my house. When I called back again today, they did not have a record of last week's call or that the card was even ordered. I am still holding and it has been 50 minutes and 4, 5, 6 seconds and counting.

I deposited a check to my account in the amount of $2,800 from my PerkStreet account which has been withdrawn from my account and Bank of America is saying when they presented it, there was a problem so they would have to put a hold on the account. I discussed this with my PerkStreet account holder and they said there was no such thing presented and they do have the money. Bank of America is trying to charge me charges for overdraft fees and said they are not going to remove the hold till the 24th. My conversation with them yesterday said the hold would be released once the money is posted to my other account. But now, they’re changing their story and giving me the runaround.

BofA froze my account without properly investigating a fraud claim on my accounts. I am furious and will sue this horrible institution for falsely taking money from me without justifiably going through the proper procedures. I wish the FDIC could read all of these terrible reviews!

My grandfather put $6.000 into a BofA account for his funeral expenses. When he passed, I went into a local branch and was told, "No problem. Just bring us the death certificate." I returned to the same local branch and gave them the death certificate. The lady typed on her computer and said, "Oh well, he didn't name a beneficiary on his account so we can't give you anything. You will have to go to court and have it probated out" and then she walked away. I had to pay out of my own pocket for his funeral and BofA still has his money.

I have heard a lot of complaints about Bank of America, so I decided not to get a loan from them. Unfortunately, I am trying to buy a house that they own. Let me tell you this is the most frustrating process. I have had three closing dates as of today. For some reason, BOA is dragging their feet in doing the paperwork. Every thing that I or the title company needed to do is done. I have asked for a phone number to call BOA but no seems to know who to call. This was not a short sale. I signed the contract on May 3, and the new date to close is July 13. As of today, the paperwork still isn't completed. I won't hold my breath as I highly doubt the closing will take place on time. I am ready to walk away. This time, I will make sure BOA doesn't have any interest in the house. Every one should stay away from this bank. They suck, whether you are in need of a loan or buying from them.

They have re-arranged the account to their advantage and have caused several overdraft fees. When confronted about this practice, they could care less and stated that was their policy and refused to refund the fees. When I told them I was switching banks and no other bank provides service this way, they could care less! Horrible, rude and poor customer service. If I treated my customers this way, I would be out of business!

Bank of America takes it upon themselves to rearrange your account from highest to lowest, and therefore, when items clear and they rearrange the amounts, they benefit greatly from overdraft fees! Apparently, they are the only bank with these actions! They say it's because if people pay their mortgage or car payment, it is covered first! They say it's their policy and customers like it this way! I have spoken to a branch customer rep and an online banking chat rep, telling them both I was taking my business elsewhere. They could care less! I am also in the process of filing a complaint with the banking commission!

This bank is located at 71st Lewis, Tulsa, OK. My wife had taken out a short term loan of $30K. After couple of months, she had decided to pay the loan completely off. After consulting with the bank, the loan officer gave her a payoff amount. After she had paid that off, we thought everything was settled. But after a couple of days, the bank branch manager informed us that they had miscalculated the payoff amount by 12 cents. So he wanted my wife to pay up the balance: 12 cents. We could burn more gas money just going to bank. He even acknowledged that it was his employee’s mistake, but he could not write off or even the banks come up with 12 cents. I will never do business with this bank again.

We found out today (6.27.2012), BofA does not notarize paperwork for their customers for other financial institutions. We took paperwork in today for loan modification that needed to be notarized so we don't lose our house. Their policy states they don't notarize, unless it is for BofA? Wait, who bailed them out and continues to bail them out? Oh yeah, me, their consumer. The customer service supervisor I talked to "understood" my frustration and anger. Really? He could not explain the reason for the policy or the why for the policy and since it was "clear cut," there was nothing he could do.

Today is Wednesday, June 27, 2012. I closed on a house in Albuquerque, NM last Friday. I turned over the keys to the new owners. Bank of America holds the new mortgage and has yet to distribute $150,000 due me. Their last excuse was they did not like how the county this house is in establishes property taxes; as if I the seller or the realtors have anything to do with that. BofA has invented a series of delays in order not to have to wire the money into my account. Whatever happened to the good old days when the bank paid you at closing? My opinion is that BoA is probably doing this many times each day. The longer they delay paying me, the more interest BoA receives - not that it is that much on $150K, but I am sure BoA is doing this all the time, in order to capture this low-hanging fruit.

BOA property in Tucson, AZ - I made an offer to buy a bank-owned home and signed a purchase contract with the Bank of America, who refused to sell the property to me. We signed a contract and applied for VA loan and was turned down for VA financing. We were promised in writing that we could purchase the property with the same contract terms when we received full financing. Well, we did this and presented the offer again to the asset manager for the owning bank. They in turn counter-offered, removing one of the terms of the original agreed contract. Also, while we were securing the financing, they released their real estate agent and re-listed the property with another, lowering the price of the property by $10,000.

My wife and I were shopping Sunday and I received an email that my account was over. Right away, I transferred money from my savings to my account. When I got home, I went online and noticed they had put a hold on funds in my savings even though I have plenty of money to cover all amounts. I thought, "Well, it will clear up after midnight." It never did. We called Customer Service and they said funds were released at 5 pm. Well, it's 6:30 and still no money. They used to release funds as soon as money was put in the account to cover. Now, they hold double for days. We have been with BofA for 30 years, no bounced checks, never overdrawn (at close of business day). BofA needs to close down. I'm changing to Wells Fargo and finished with BofA. There are also other problems with them, too many to cover here. They turned into a bank that just needs to close down.

I inadvertently overdrafted 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 bank with checks that were made out to me from my newspaper customers. Most of them were for $20 or less and because I don't have an account with their bank, they take $6 (BoA) or $5 (TD) from each check as a processing fee! Really, these people have their money in these banks to do their financial business and they are taking money from the checks they give people .They say it's a processing fee but last time I banked, the check has to be processed whether I have an account with them or not. How is this legal? I don't want anything. I just would like someone to explain why this is allowed. Both banks had the same response to my dilemma - just open an account with them. After hearing the fees they charge for everything, never.

Back in February, I received a notice that my adjustable loan had adjusted and my new payment went up $36.86. I neglected to adjust my automatic payment to them in May. They issued me a check for $1,700.00. The check was dated June 5. I received in the mail on June 11 a notice that they had reported it to the credit bureau for a 30-day late payment because "they do not accept partial payments."

On June 11, 2012 at 9:00AM, I went to Bank of America at 8440 West 135th Street, Overland Park, Kansas, to check a payroll personal check that my son gave to me, because I am the nanny to my 3 grandkids. He pays me every two weeks, mostly by his personal check. But this time, I went to this location, which is by their house in Lions Gate. The Asian girl started asking me for some BofA card, and I told her that I was checking this check and that it was my son/daughter-in-law's account. Then, she stated that she had to go and check something out.

I used to bank with Citizens Bank in Delaware but when I lost my job, I moved to Lynnwood, WA. Unable to see any Citizens Bank near me, I opened an account with Bank of America and was very happy because I was able to access my account anywhere I went in - search of job. Around March 2010, my account was put on hold, according to them, to find out why I did not close my account with Citizens Bank properly. Till then, I have not been able to access my account. I am the breadwinner of a family of five and I have made all efforts, but nobody is listening to me.

I am a customer of Bank of America, and they are not being professional, empathetic or helpful to my family. The following situation is one of unfortunate circumstances that I feel could have, and should have very easily been avoided. I stopped a payment on a check on June 2, 2012 for $2,500. The company that the check was paid to, Conn’s, sent the draft through for $2,503, so the stop payment did not work. Now, my account is negative from the incident, and I have at least five overdraft fees. I explained the situation to Bank of America Customer Service, but to no avail. Each representative advised that they couldn’t help, in a very uncaring and stubborn manner.

I noticed that Privacy Source was taking $12.99 from my checking account without my consent. When I called to stop the drafts, they said this was something good that would stop fraud. I told them my dad said this was not good and it is a waste of money. They were able to convince me to keep it. I told my dad I was afraid to keep calling because they are going to keep "outtalking me" on the phone. I'm going try again. This time, I'm going to put my mom on the phone. They might listen to her. I hope I can get my money back because I didn't want this service. Thanks.

We have a total of three properties with Bank of America Corporation: one that is primary residence that has a variable rate of 3% and two that are house rentals. We have requested modifications or interest reduction of the rentals. After 4 1/2 years, we received a reduction in interest with no consideration for the past inflated interest. While we reluctantly agreed on one of the rentals, we could not afford the terms BAC offered on the second rental. No discussion or escalation was done. We are now in foreclosure proceedings. This does not make good business sense. BAC would rather lose thousands of dollars rather than make thousands of dollars working with proven customers who already have a good standing with them. Come on, this is crazy. No customer rep can help us because they have their hands tied. We need this matter escalated. Retro the interest and bring it closer to our existing interest on our primary residence. This is good business for us and for BAC!

Bank of America sent out privacy notices. In the privacy notice, it is written that Bank of America can collect and share your social security number and employment information, account balances, transaction history, and credit information, etc. Can the customer limit some sharing? Yes, but some information you cannot limit.

My fiancée Kassandra ** went into the local branch on Kennewick Ave and made a deposit to my checking account for $162.00. She came home and I went to the store where I slid my card and was extremely embarrassed as it was declined! I went down to the bank where they told me a deposit from such person was never made. So I called my pregnant fiancée, who was even madder than I, and she came down and they told us they cannot find that deposit. My fiancée never gets a receipt and she always tells the teller, “It's a deposit. I don't need a receipt,” and then drives away after they say, “Okay, have a nice day,” just like today.

The office of Bank of America has been treating me with irregularity, very rude attitude, unprofessionalism, lying, delayed tactics, and inconvenience in the home mortgage loan application. It is difficult for me to follow the loan officer's demand again and again for almost 4 months, and I am exhausted mentally, physically, and emotionally.

My mother became ill with cancer and while in Texas, she asked that I be added to her and my stepfather's account with my sister, who has a power of attorney for the two of them. A year or more after she died, I called customer service and asked to be removed. In short, a case file was made and got a reply from FL. Case close. While in Concord, California on vacation and using the ATM at BOA, I went into the branch where I had to close the account to be removed. I explained all my stepfather's direct deposits from SSI and pensions, as well as payments for his nursing home would all have to be re-established with a new account. Besides, it's his account. All I want is off it. Then he looked at my CC accounts and said, "I see you have two credit cards you don't use, I'll close those." I blew up and left.

I have been an account holder, checking and savings, of your bank, Bank of America, since 2005. I even talked my fiance in becoming an account holder of your bank as well, him since 2007. Out of all these years, May 2012, your bank's decisions have caused stressful situations to enter already a stressful life. On May 3, 2012, I checked my online account and found a check of $903.66 posted, the funny part is my account did not have the sufficient funds to cover this check in whole. I made a phone call to 1-800-288-4408, spoken to a broken English representative named Maria who led me to the 1-877-366-1121 where I spoke to another customer service rep named Leisha. I told her I need to stop payment on this check. She basically told me that I, the account holder, did not have a say-so on my money, but the bank has not issued out funds to pay the check and wait until ledgers close for the day.

A friend of mine wrote me a check which I deposited to my account. The money cleared and then a few days later, the money was removed from my account. I called and asked what was going on and I was told that no one could tell me exactly because it was all in a letter with the cancelled check that was snail mailed to me. Of course, this letter has not arrived almost 10 days later. But I find it extraordinary that the only evidence of this missing hundreds of dollars is only on this one letter.

I've been a Bank of America customer for years and why I have not left them yet is beyond me. Every time I turn around, they are shutting my card down. I have had free checking from the beginning but get a $12 a month charge. I signed up for a keep the change savings account and now am getting charged $5 a month for a low balance. These people invent new ways to screw people out of their money. I've got to do something else. These bunch of crooks do whatever they like and get away with it. I have direct deposit that comes in on Wednesday night. At midnight, they have held the deposit up and ran through deductions first to lower my balance then charged me a $35 fee for a low balance before crediting my account. Somebody needs to do something. This is basically a legal form of robbing the masses.

We own a mall retail store and bank at Bank of America. For over 2 years, we have been going 2-3 times per week to Bank of America at 3111 W. Chandler Blvd, Chandler, AZ to make change for our cash drawer. Randomly, we have been asked to present our debit card (1 out of 10 times) and this last visit, we're told that there is a charge for making change (i.e. large bills to smaller bills and rolled coins). I asked to speak with the branch manager and asked if this was new. She replied no, it has been a policy for a very long time. My immediate response was that I had been making change for the past 2 years with her and everyone of the tellers that were present yesterday and have never been charged or told there was a charge for making change. Her response was that I must be mistaken.

I've had a number of odd things happen with my accounts with BofA over the last several years: 1) opened a CD one week, they closed it, took the 2 cents or so interest, then reopened it a week later, 2) charged me a fee that it clearly states on their website I wouldn't be charged, 3) had a weird occurrence of "someone" using my card somehow in Alabama. That was reimbursed with insurance funds. I'm skeptical of the whole thing.

I have been a customer of Bank of America for many years. I have a checking, savings and credit card. I have had the same debit/credit card for years and at times had issues with the bank not authorizing a charge and sending me a text message on my cell about unauthorized charges. I contacted the bank's toll-free number and cleared up the matter. I travel a lot, mostly between PA, NC and FL. Anytime there is a holiday, I schedule vacation around that holiday so I can travel. Bank of America somehow feels they are protecting me by not putting charges through and forcing me to call and verify, however, it has become a little silly in my eyes. My wife for instance had to call and state she was headed for MA and DC for her doctoral residency and please do not close the card. It is like my vacation is being monitored because I have to report in to Bank of America or my charges will not be put through. Kind of seems too much of a Big Brother thing going on.

My 16-year old daughter was denied cashing her first check because she doesn't have a Massachusetts ID because she's 16. The manager and teller should have known better. The bank's location is in Boston, MA, Kenmore Square and Brookline branch. I think this is because we were black. She had proper school ID and it was a Bank of America check.

Bank of America ATM located at College Drive and Cicero Ave. in Palos, kept my debit card from another bank. Lots of funds in the account. Why did it keep the card and how do I get it back? A manager at the bank said they have no control over the ATM and can't help me.

The American Financial System rules how banks should behave between them, sort of; the same system that Bank of America participates in, issues a starting check booklet to new customers, until they request their own checks from anywhere. Those five checks in that booklet is not for fun or for the beauty of it. They are, in fact, regular and official checks accepted and authorized by the American Financial System, FDIC, or whatever it must be. 50% of my new customers are new in the American Financial System, since they come from other countries. 50% of the initial checks I receive from them comes from Starting Check Booklets.

Missing money entitled to me: I signed up for a new account with Bank of America in February. My account was then closed within seconds. The B of A representative claimed she could not provide any information in regards as to why. I was then told that a cashier check would be mailed to my home address within 7-10 business days. However, a month passed and I never received that check. I was then informed that my check was lost in the mail system; in addition to that, I would have to wait 90 days until I could get a new check issued to me. I am well aware that B of A has to pay a fine to cancel the initial check due to the fact that it takes 90 days for that check to expire.

I was using Bank of America website for Recurring Bill Payments for more than 1-year. On January-2012, I went to recurring payment and modified the amount from $XX.XX to $YY.YY dollars and change the date for recurring payment. On February 2012, the bill payment didn't happen and it started happening from March 2012. When I got charged for late payment fee, I questioned BOA why there was no payment for Feb 2012. As per BOA, when I changed the Jan 2012 date and amount, it overwrote the Feb 2012 date. This is really a rip-off. A recurring set-up should happen every 30-days (scheduled frequency), no matter what. Now BOA is blaming the customer for those changes.

We refinanced early 2009, and as a part of it, I got a line of credit. Though the refinance place swore they rarely sold a mortgage, they did; and BofA bought it. We never used our line of credit but paid $75/year to keep it open. Our house was on the market for two years and finally sold. At closing BofA wants $500 to close the line of credit, claiming we had to hold it for 3 years. But there was no penalty for early payoff. If it's not a short sale, BofA works hard to grab any money on the table. This is just wrong, so I am complaining loudly and in every forum I can think of. Do not associate with them if you can help it. They are looking to separate you from your money.

Disreputable, irresponsible fraud department at BOA - I have dealt with Bank of America intermittently over the last 15 years of my life and have never been satisfied with their over-the-top lack of customer appreciation and ease at which they take one's money and have so little care for customers. In every inquiry I have ever made in the past, up to and including my son's most recent inquiries, the customer service personnel talk to people as if they are guilty, bothersome and trash. I have a son who worked for months going through the unemployment process in California, had to appeal his case on his own without the help of an attorney, and won. Finally, after months of living without any income, he received back payment in more than one increment. He had a family court date the week he was to receive the money and wanted to put the money towards his child support, so he obviously made several calls to check on the balance. His card was activated on 2/22 or 2/23.

I applied initially for Bank of America Hawaiian Platinum Visa card, which had a bonus of 10,000 miles. Those were credited to me shortly after making my first purchase. Then I saw an ad on the Hawaiian Airlines page for a bonus of 35,000 miles if you applied for Bank of America Hawaiian Visa Signature. I went ahead and applied for the new card and was hoping to receive my promised and advertised bonus points. A credit card specialist at Bank of America assisted me with the process of applying for the new card. I never received my 35,000 points. During the course of 6-8 months, I kept calling Bank of America and each agent I would speak with kept promising that the points would eventually be posted to my account. I even got a written email which stated that I should have my points shortly.

My parents have a trust account. The CD was placed in the title of the trust. Both of my parents have passed away. I mailed a letter around January 20th, 2012 requesting that they close the CD as it was maturing on January 28, 2012. I have provided them with all of the documents they requested--notarized letter requesting the CD be closed, notarized trust certification (their form), copies of each of my parents death certificates and a copy of the trust.

I was charged overdraft fees for two transactions, each $10.24, with my Visa Debit Card; these were online POS transactions. Bank of America tagged these as recurring, even though I've had no transactions to this vendor for months. And these were purchases, not recurring charges, and they charged me a $35.00 NSF fee for each. They refused to refund the NSF charge for both.

I called Bank of America after I saw that my account was overdrawn by $46 when I hadn't made any activity on my account. I noticed it was a withdrawal from Proactive that I had canceled my order on. They told me they would return my money as a courtesy, but it takes 3-5 days. I called Bank of America right away to talk with them about the illegal withdrawal of my money and the overdraft charges that I will be charged because of this. Bank of America said there was nothing they could/would do until Proactive returned the money. Then and only then they would refund what they charged me. They added that I would have to call them once it was credited back to my account. I again stated that Proactive illegally debited my account after I had canceled the order. I have protection against this. Again, they said they couldn't do anything until the money shows back up.

The online bill pay offered by BofA is tricky and ripe for payment errors and confusion especially if you have more than one account with them. The payment screen is very tiny so that you can hardly see what you have entered in the tiny boxes they provide. You can schedule several payments at once (which is kind of handy) but once you click the button to make your payment, it is immediately sent through without a confirmation page like most other banks provide.

Firstly, last year, I had a problem with a direct roll over into an IRA from Bank of America into a Baxter account. The direct transfer form was submitted from Baxter to Bank of America. Now they have filed a 1099-R to the IRS. This is wrong and now I need to get it fixed. I should not be paying tax on this. This is a lot of my time and trouble because of their mistake. I went to Bank of America last year to get this fixed and they said they did and I have the letter from them.

The customer service of Bank of America is horrible. I went into the Boise Town Square branch and complained that they were horrible. I went online to check my balance, and they closed my account and would not let me have access to my money for 3 business days. I have had an account with BOA since 1992.

You all need to be aware with direct deposit. I had my account overdrawn for two days for $200 this week. I now have had my paycheck direct deposited in the amount of $1,600. Please, not that I have had this same direct deposit for ten years and have been a customer for 20 years. They are holding my paycheck for 48 hours and I have no money nor gas for two days because they are holding my paycheck. How can they do this? It's money that I worked for. I have talked to three supervisors and they refuse to send me on to another manager. Bank of America is bankrupting America. We now can't even have access to the money we have worked hard for. I don't have gas to get to work this morning.

I lived the same thing twice in 10 days. I visited the branch in Alameda to talk to a representative. I waited for half an hour unnecessarily. While I was waiting, even the customers who signed in after me finished their jobs. When I questioned the situation, they made up an excuse and I did not want to take it further.

Incompetent teller supervisor Ms. ** located at the branch in Sumter South Carolina on Liberty St. At 4:49PM on Wednesday, 03/21/2012, I went into the bank to cash a check. I informed Ms. ** that I did not have an account with Bank of America, but the check was written off an account with Bank of America. She took the check and asked if I had 2 forms of ID. I gave her my South Carolina driver's license and my debt card with my bank. She had me to swipe my ID, took about 4 minutes looking at the computer (verified me, I'm sure) and fingerprinted me. Then she decided to pull up the account the check was drawn on to check the signature card. That's when she thought there was a problem with the check. She then consulted someone in the office (I'm sure it was the branch manager). Then she came out and said that the check was not good. I needed to get the customer to issue another check because the signature card did not match the signature on the check.

They stole 25 dollars from me and said I just did have enough money on my account. I can't wait till I'm done paying their ** student credit card so I can move my money somewhere else. I'm not worrying about getting mugged for my money. I'm worrying about bank like Bank of America stealing my money. Bank of America is a gang of thief.