Bank of America Reviews

Oh yes, I’ll be fair with BOA. They are greedy, rude and ignorants. My husband had open heart surgery and we did have difficulties to pay our mortgage. We contact them looking for help with the modification. To make story short, let me tell you that after we submitted the documentation, they will call back a week later saying that something was missing. We keep waiting. And waiting, and when we call back, an answering machine was saying that they will return the call into 24 hours. Guess what? They return our call a week later. This was on and on for almost three months. They Never, NEVER help us, and by Law they supposed to do that. Thanks God my son help us. With the money and that way we were okay with our mortgage. In the future I don't want to know Nothing about BOA.

I get a phone call yesterday saying that I owe $600 at Bank of America my account has been closed nine years ago. How do I get this resolved since I went to jail in '06 over a 50.00 check which the bank told me I had $70 in my account. I wrote the check for 50 then ended up in jail for four days and everything was exchanged from my record so I closed my account.

Bank of America... In the old days people used to rob banks with masks on...now the banks rob you and they hide behind a phone number to a voice mail. Bank of America has frozen an account with over 7k in it. After 10 years of banking with them you would think they owe an explanation but they won't. I'd be very careful using a national chain bank that won't deal with your complaint or concerns in the branch. If their only answer is to call a phone number in another state with someone you don't know you might as well use the bank of India. They're thieves...and according to the people inside the bank watch out. It's happening more and more every day... It might have something to do with the 17 billion dollar Dept of Justice lawsuit they lost last year...

I went down to the local branch office and inquired about opening a business account. The person I spoke with was more then happy to help. She mentioned to me there would a monthly charge, unless I enrolled in their merchant program. I told her I wanted to use the mobile card reader and she responded with, "They really don't work well and will take up to a month to deposit your money. However, our program will only cost about $25-$30 per month." Well that was wrong and cost me approximately $3000-$5000 over the course of the past 2 years. That almost cost me to loss my business (being that I am a sole proprietor and only employee).

This is not the first time it happens. I am a contractor that receives checks all the time and normally deposit them into my bank, but sometimes I want to cash them. I've been to Bank of America in several occasions to try and cash checks which were posted in my name and it's been a problem. To begin with, the teller asking me if I had a account with them because they could not cash the check. When I asked why, she said that the signature on the check did not match the one they had in the system. I told her, "Is there any other way that they can verify because this is inconvenient for me to waste my time in line?" She said that nothing could be done.

I paid my bill in full for new charges above my zero interest balance transfer. I was charged interest on the daily balance even though I paid it Prior to the due date. The bank expects me to pay my credit card bill immediately upon receipt. Absolutely ridiculous!!

I guess bad things happen when you're a member of any bank, but Bank of America is awesome. Their customer service reps always answer, they're very helpful, they resolve issues quickly. The only issue I have is sometimes it takes a while for payments to go through, but overall, I feel like they're a good place to have your money. Great fraud protection, too.

On 3/22/14 went to Marlborough, MA branch, provided 'letter of authority for personal representative' for my deceased husband, opened 'estate of account' and bank was going to transfer money market account to the estate of account (rep Beverly ** ) - piece of cake, ha. Following week I called as funds not transferred, bank said they couldn't find the letter of authority, day later received call from bank- they locate.

Bank of America on West Hillsboro Blvd in deerfield is the worst bank anyone can ever go to. EVERY SINGLE TIME I go to that bank I'm in there for at LEAST 45 minutes which is ridiculous. I work 9 to 5:30 Monday thru Friday and the only time I can bank is on lunch break which is only an hour. More employees need to be hired if it’s a short on staff. This bank is the closest to my job and I grind my teeth every time I have to stop by. Customer service needs to be number one priority.

About three weeks ago I walk in to a BOA branch on the sky walk (approx. 1545cdt) where I live. A service rep. greeted me, then said that the only teller would be with me shortly (as she was busy with another customer). I said ok, and she walked away. After about 10 mins of waiting, I was getting a little pissed as the service rep. that initially greeted me fumbled around basically doing nothing (plus the space temp. was about 78 degrees according to the wall stat). So I left, swearing that I was going to deposit my money in another bank. Which I later decided not to, and spent the $680 that was going to deposit.

I contacted BOA online chat services because I made a deposit to my account on Sunday night and had available credit to use, and the remainder would credit to my account on 2/17 which is today. Not thinking anything else, I purchased dinner and proceeded home. Well surprise, surprise, on 2/17, I receive a notification that my account balance was low and an extended overdraft fee was assessed. I thought well this must be something old or a mistake and I login and sure enough they have really goofed my account up.

I tried contacting BOA to let them know I would be traveling and would need my card available during that time. I was on hold for quite some time before, I didn't have time to continue. I begin my travels and of course, after 2 transactions, my credit card gets declined due to possible fraudulent charges. I try to contact BOA yet again, I'm on hold for over 20 minutes and didn't even speak to anyone. The web portal to verify charges on my card does not seem to be working and I've tried contacting them multiple times and spent between 30-60 minutes (60 minutes!) on hold before I hung up. Coincidentally, the "chat" feature on their website is also down. I have been a customer with them for 10 or so years now and am very disappointed in the service, or lack thereof.

I needed to process a large check from my insurance quickly (same day) as the funds were already committed and the 800# customer service people told me it couldn't happen but suggested I talk to the branch mgr. The mgr was out so the asst named Ellie was in and I started to wait for the mgr but Ellie continued to be interested in my problem so I decided to just give her a opportunity. She took me in hand, filled out the required forms for me, told me exactly how to handle the transaction and went into the teller position and a burdensome task was handled so efficiently and effectively. I walked out of the bank stunned and happy as a major problem was now in my rear view mirror. I would not have approached this bank with this problem but the mgr has always been so helpful I decided to take a chance. I guess the whole staff at this bank is just a cut above the ordinary staff at most banks. Thank everyone for a job well done.

Our FHA mortgage is serviced by Bank of America. The property requires flood insurance. But Bank of America demands we carry more flood insurance than FEMA permits. We could not get the issue straightened out working with Bank of America's insurance department. We have filed complaints with the Consumer Protection Agency, and have needed to for the last several years. Yet Bank of America continues the practice.

I don't understand why there is not enough representatives to help. They have loan officers along with other management walking around that can go behind the counter to help, instead of making customers WAIT EXCESSIVELY. I understand patience, but this happens WAY TOO OFTEN.

I've been with Bank of America for about 2 years now... never have I EVER been so frustrated and disgusted with a place. They steal money and charge overdraft fees up the ying yang. I recently had a charge from amazon be returned to my account and I never saw the amount come back to my account, even after the charge had been cleared. I messaged their customer service and found out it was magicianed back into my account and that it was already gone... what?! I had an issue with this before too and kept tabs on my account everyday after I called amazon, that didn't even help.

BOA inactivate my account with no notice in advance after my tax refund hit my account on. I called ahead to find out if my account still open so I can deposit my tax refund - the customer services said that the account still active. So today I try to withdraw money and my debit card do not work. I call BOA, spend hours transferring from agent to agent and department and they just told me that I have to call back in a week to resolved this situation. I really don't understand this. They been manipulating my account for them to charge me a lot of overdraft too. Cherry ** was the last agent and she was so rude and unhelpful. I think that I should be able to have access to my money anytime. They should apply the "KYC" if I'll been banking with them for years. They put me in a situation by holding my money about to be evicted and be behind in couple bills. Why if they see that I have money hours later they inactivate my account?

The problem is simple. BOA collected a tax lien out of my company account. Problem. BOA removed the money from the WRONG COMPANY! My company name is different. My account number is different. My EIN is different. HOW STUPID MUST YOU BE TO NOT SEE THIS ERROR. BOA refuses to refund my money and fix their error. BOA tells me - I HAVE TO CALL THE STATE TAX BOARD AND GET MY FUNDS RETURNED! There should be a law! BEWARE OF BIG BANKS........ try smaller local banks where you can meet your banker. BOA sucks! (This is not a personal insult.... it's a FACT.)

Received insurance check. Went to one branch to cash, was told I would be called when money was ready. Received a call the next morning and was told money wouldn't be ordered because non member! Third and last time BOA will screw me. This was done after I told teller I didn't want an account because I don't like their practices. I was a member when they were Summit, Fleet and all others in between til 07 when identity was stolen and they hit me with overdraft fees.. over $600. I hate BOA!

On 2/9/15 I checked my BOA account. At that time, it listed holds for the bill payments I made online on 2/6/15 (by the way I had more than enough to cover them). Thinking nothing of it, I checked my account again on 2/10/15, just to check my balance. Well the next morning I stopped at the atm to deposit a week old check into my account. To my dismay, when I looked at my account later that morning, I had an overdraft fee assessed that was dated the day before. I couldn't really understand why.

If I could give this bank less than one star I would. You are money hungry scumbags that could care less about your clients. There's a bunch of heartless idiots working there.

BOA has been sending me one of their customer's personal emails with a lot of personal information. I called their headquarters to let them know. After two phone calls the emails are still coming. My third phone call I finally got someone who assured me she would take care of it, we spent 30 minutes on the phone and she assured me that within 5-7 days the emails would stop.

I wanted to sign up for online checking account for a promotion of gift cards they were having. I called three branches that all told me a different story and were extremely rude on the phone not wanting to help. I finished my online banking sign up. They took 50.00 out of my current credit card from another bank then sent me a denial in mail... said I was a victim of fraud... They are fraudulent. I have never been victim of fraud, have good credit, am out 50.00 and denied a checking account??? Terrible experience. Stay away.

Bank of America sold my bank account to Citizens National Bank without my consent. When I spoke with them on the phone regarding this incident the only thing that they kept telling me was that they sent a letter to me telling me that they were going to give my bank account to a different bank. I think that in order to sell my account to a different bank they should have had my authorization first. It does not seem legal in my mind for them to sell my bank account without my permission. They kept assuring me that they had sent a letter to my house stating that they were going to move my bank account to a different bank, but I think that legally they should have to have my permission to move my bank account with them to a different bank, rather than just sending me a letter letting me know that they already did it without my permission.

On Wednesday, January 28, 2015, I called Bank of America to pay off my balance of $15,426.81. They charged me twice. It is now Monday, February 9, and after spending hours on the phone with them, they have still not returned the money that they were not authorized to take in the first place. At least three times people have said they would call me back, and haven't. On February 5, they told me that they were undergoing a "system upgrade" and so I might not be getting my money back until after February 12. Unacceptable!

My husband and I have been customers for decades. While in the process of applying for a mortgage (with another financial institution- we couldn't believe the list of requirements from BAC and told them no), we discovered that our significant payoff on a joint line of credit was not being reported properly. We made the payment on 1/30 which should have been posted for 1/31, but on my screen the adjusted unpaid balance changed EVERY TIME I logged in and when I logged into my husband's account, the same thing happened.

I have 2 checking accounts, mine and one with my son with Bank of America. On Friday 1/30/2015 before noon I paid my son bills ($1135.87) from my checking account. At the same time I made a "Between accounts transfer" from his account to mine to cover the amount. I received a confirmation number and checked both accounts for the next 3 days and both accounts showed the transfers. The following week my account showed "transfer failed because of insufficient funds".

After complaining to the manager of my local Bank of America branch - that the handicap access sign on the door was deceiving because there was no "push-panel" system access, the manager said I should knock on the door (in the freezing cold) and someone would come and open it for me. I was also told that they were able to use this sign because there are no steps. I wrote to the office of the Chairman and CEO and was told in a letter dated Jan. 29, 2015 that the bank is in compliance with the ADAAG 4.13-Doors and that they will not put the push-panel system in place. This system ignores problems of people in wheelchairs, seniors with back problems, and young mothers with strollers. Follow-up letters have been sent to state senators and I'm awaiting responses.

I was married on 1/08/2015 and I knew that I had to change my last name. Once I changed my last name with the social security office. I had to then get a new driver’s license as well other important items like debit/credit cards to reflect the name on my current ID. I went into a Bank of America branch on 1/24/15 to update my information. The employee that assisted me told me that my new debit card would arrive in 5-7 business days. He also told me that I could continue using my current debit card until the arrival of my new one.

I checked my account after making a late purchase at Walgreen and remembering a check that had not cleared. The check was not on there and Walgreen was processing. I knew my paycheck deposits at 12 am, but checked once again just before 12 and was still good. Awoke to 2 overdraft fees!! Not only was the check posted as the previous day, but the checks I had ordered fee was also posted as the previous day!?! I called and asked "how?" The lady said, "oh checks and check order fees are not posted until they process". I said I had clearly checked my account the night before and if they had processed (as she stated) I would have seen them. She told me my account would not be reimbursed! I told her I would be in to close the account, she said "your account will not be reimbursed the overdraft charges". I have been with this bank since it was SeaFIRST over twenty years. They can manipulate someone else's money!

I come here daily for my company and my personal accounts. There is always 1 teller and 7 other employees walking around doing nothing other than greeting you. Ridiculous! ..always 15 mins to 30 mins wait in line.. Something needs to be done about this. Branch is in Donelson on Lebanon Rd.

Unable to wire transfer money. Unable to get financial letter of reference for co-op application. Unable to get asset verification letter for co-op application. Managers unwilling to even try to help. Stay away!

BoA writes to me (with the most UNprofessional letters known to those able to pass first grade) admitting they have been holding MY money for 6 years. That's it. They write to tell me they have it. But they refuse to include contact information, or even sign the letter like anyone NOT brought up by wolves would do. So, I call BoA. Many times. Hours later, when someone answers, they have the professionalism and competency of a cockroach. Once, I called and asked to speak with the housekeeping staff. Later, after three BoA employees had unsuccessfully searched their offices for housekeeping, finally asked me why I needed to speak with housekeeping. I said, "I was trying to find someone there with professionalism and competency and I thought that was my best shot."

The interest on a CD is going to someone else. I got a 1099 to report the income on MY taxes. I called the bank 22 times, sat on the phone for hours. Everybody says got it right you'll get a new 1099. Never happened. 8 months later, still no new 1099 and I am still not getting interest on MY CD. I called fraud department, checking into it. Nothing happened, I am contacting the FRAUD department with the IRS. This bank is ripping people off.

Bank of America manipulates and reorders transactions to charge overdraft fees. They have REPEATEDLY charged me overdraft fees that they have made to look justified, by processing the transactions in an underhanded way. I have had the same thing happen several times and It is plain obvious that they are definitely processing transactions to make certain I am charged an overdraft fee.

I tried to reopen my Business account at Bank of America as it was closed to inactivity for over 90 days. The rude customer service rep at the Bank made me fill out a new account application even though I still had current personal accounts at BofA. After spending almost an hour of my time she ran the application through their system. It came back as declined by TeleCheck. The rude lady tore up my application and told me not to write bad checks and to leave the Bank. I asked her why and she gave me a piece of paper with contact info for TeleCheck on it. TeleCheck gives the consumer NO WAY to contact them by any other means than snail mail.

Bank of America will never have the personal customer service that smaller banks are able to... I have been a longtime customer...many years. I have been waiting for well over an HOUR and 30 minutes to see a personal banker who is helping someone set up a new bank account. The manager claimed she wasn't able to help me...even though she had confirmed the information with the personal representative... I had already driven an 65 minutes to get to a branch! Currently I am still waiting for help while the manager chats away on the phone. All I am needing at this point is a new signature card on my account. Having to wait this long is rude and far below acceptable standards for any business. It's clearly a training issue. And also why large banks in the Midwest can't compete with the excellent service that smaller banks give.

I have banked with a local credit union for over 15 years and enjoyed real time entry and balance information based on my transactions. I opened an account with Bank of America because some of my larger customers bank with them. My gripe is this, Bank of America often does not post my transactions real time but rather holds them, which skews my online balance when I view it, and then post them later when my balance is low to hit me with overdraft charges. The only way to avoid this is to run a paper ledger because their on-line banking never seems to be up to date. Bank of America explained their online banking as a great way to track expenses and manage your account . . . not true. It is expensive and they make a lot of money with their $35.00 overdraft fees. It truly is a purposeful effort on their part to maximize their profits at the expense of their customers . . . I see it as dishonest and legalized crime.

My husband and I have 3 accounts - already close 2. This bank is unbelievable. I still don't understand how they ADD AND SUBTRACT YOUR MONEY is confusing. The online service show when the transaction is in process and how much you have available after they subtract whatever is in process and at the end you end up with an overdraft or with your account and 0$ balance. Looking forward to close this account this week. 5 years with this bank and I only have headaches and when you call customer service everyone tells you something different.

Bank of America has a very messy system being that the representatives and supervisors across the board are not on the same page. The information they give varies from person to person, day to day and they always read from a script. When there is an error, I expect it to be addressed and taken care of properly. When it's my error, I willingly accept the consequences but if it's not, please don't insinuate that I don't know what I'm talking about. I've been telling my husband forever to shut it down and come over to Chase which provides a much better system all around. They will never charge you more than 3 overdraft fees and their alerts go off right away. I've gotten direct deposit and overdraft alerts 5 days later with BOA - and this is helping me how??? Just overall a really messy organization. Also, weren't they sued for charging customers ridiculous amounts in overdraft fees? Well, even after the lawsuit, nothing has changed.

First of all I am a contractor for a person who has a lien with bank of America. They lost the checks 3x from the insurance company. They were rude when one tries to call to find out information. They hang up the phone because they didn’t want to answer questions. They sent checks to wrong person, instead of the lien holder they sent to contractor and did not send the check overnight. They told the lien holder that the check was sent to her but wasn’t. Then once the check received homeowner, signed, presented check to bank which was written from bank of America and they state they are trying to protect me from myself... really. One of my representative was told this at the bank. So immediately they called me, I tried to speak to someone to explain the situation, neither the manager nor the teller wanted to come to the phone.

Honestly the worst decision choice of a bank if you want to "trust someone with your money." They steal, charge fees and make up reasons, take days to respond, are not in any way friendly, and refuse to help solve an issue no matter how long you've had an account with them. You will be losing money instead of saving it with Bank Of America. You can't trust anything they say and they will rush you out of the office while you are attempting to read terms and conditions. They will steal from you and drain you dry!

Bank of America merchant services cancelled my account without my knowledge or my authorization then charged me a $500 early termination fee. Tried to run a credit card transaction, and then was told as soon as I processed a transaction $500 would be refunded. Have processed transactions. No refund. Called then was told it was being reviewed then maybe it would be refunded. Processed another transaction. No refund. Called then was told after a month of transactions it would be reviewed for refund. In addition to this, my branch, where my money is, is unable and unwilling to offer as assistance. Never receive callbacks and never receive any help.

I began a refinance with Bank of America and after receiving two pounds of paperwork exactly (with more on the way I was told) I canceled my application. I have one bill (my mortgage), a credit rating over 800 and I have ample income to afford my mortgage. I'm retired so my income is stable and I have a sizable savings. My income has been automatically deposited in BOA for many years. I could not be an easier customer yet their process and customer service was so bad I could not continue.

I owe about 105,000 on my home loan and paid 70,000 to get the monthly payment down. NOPE, they said I would have to redo my loan and it would cost me $250.00. I asked them to give me my money back. AH. I would never recommend B of A, NEVER.

My father is 100% disabled. He is paralyzed waist-down and bipolar schizophrenic serving in the Vietnam war for 4 years. He was missing in action, received a purple heart, and a honorable discharge. I have power of attorney for last 10 yrs. Opening the account with BofA was not a problem until my dad suffered a manic episode and ended up in the hospital. I noticed all kinds of erratic behavior on my dad's BofA account and went into the branch in Redlands, CA where I was told that they could not pay my dad's bills, that I would have to become his representative for me to do any of his banking, that my power of attorney was expired and I could not do anything.

Well, what happened was I had $30 on my account when I checked yesterday in the evening, which was January 20th. During the night I got charged $317 for the delivery, which I was supposed to get charged with days ago, so I had no idea it would happen that night. In the morning, when I woke up, I realized that my balance is negative, and that I also got charged $35 as an "Overdraft Fee". I went to the ATM, and I deposited required money, then I contacted customer care, and asked to get a refund - as it hasn't even been 24 hours since my balance went negative - and everything happened overnight.

I will be closing my account as soon as I pay off my credit card. I have several cards with direct payments and as we all know that due to the economy, I only work two days a week! My intention is to pay but how can anyone survive with two days?! And then be charged late fees? I called to be refunded cash that I don't have and wasn't helped. Instead I was offered other options that charged a fee. What point of not being able to afford the late fee didn't they get? How am I being helped! Very disappointed! I will be sure to make a point that Bank of America doesn't help those who are struggling. I called with a problem and there was no solution after I got off the phone with the representative and manager. They told me since it wasn't the banks error I couldn't be refunded. I never said it was their error. All I asked was to be helped.

I have been with BofA for about 15 years. I started my business in 2006. Opened Merchant account in 2012, which included Credit Card payment system. I have encountered fee after fee with BofA. I do NOT agree with their fees. I believe they, for the most part, are wrong. It's always the middle class being charged fees. How is a person supposed to make it when constantly charged "fees"? In all of my past cases with being charged ISF fees, I estimate 9 out of 10 fees, after my persistence/requests were credited back to me.

I had a Bank of America credit card for years. No problem. I travel to Naples, FL in the winter and set up an account with Bank of America down there. I could not use the ATM. They said the card did not work because it was a savings account and not checking. I opened a checking account. The new card did not work at the ATM. They said I need to click on another transaction rather than just withdraw. They sent me a new card with my name misspelled. It didn't work. They sent me a new card to correct the spelling. The new card was also misspelled and did not work at the ATM. To make a withdrawal I had to go into the bank and to the teller.

I have been dealing with Bank of America since 2008 and there always seems to be some new policy that requires them taking money out of my account. Currently Bank of America has been charging an overdraft fee of $35. When asked why I was still charged although I still had an efficient amount of money, they said I had signed up for the overdraft fee to be taken out when hitting a certain amount. So I asked them to take it off, however, now it seems like every month I see the same $35 overdraft fee multiple times, although I still have money in my accounts. Sometimes adding up to more than a hundred dollars which drains my accounts.

This is the most frustrating bank to deal with. Just needed to unlock the account because their website kept screwing up yesterday. That after giving the chat guy everything but my first born, he refused to unlock it. Then I got the run around on the fun and got hung up on FIVE times. I finally figured out an easy way to get into my account with the help of my child and Hang up on them. I will be removing all accounts from this Bank. They SUCK.

I noticed I had an overdraft on one of three checking accounts at Bank of America that I've had for years and years (since the 80's). I looked into it and found that they had charged me $25.00 for something called Advantage Monthly Maintenance Fee. When I looked further, they had been doing this each month since last September. I called the bank and was told that when the sum total of all my accounts reaches below $5000 I would get a charge. I explained that when I set these accounts up, there were to be no bank charges no matter what my balances were. I asked why was I not notified that these account agreements were going to change? She had no answer. All she did was remove the last $25.00 charge. She had no explanation when I told her that my bank balances are always under $5000 so why did the charge only start last September? Her explanation didn't fit the situation. I feel like they have robbed me of $150.00. They just went in and took it with no explanation. The least they could have done was let me know this would be happening. I'm taking my money out of this bank. Horribly dishonest!

There will be 2 different complaints in this reviews. Before going into my issues with Bank of America, I do like the bank because you can do a lot on the phone apps so they're quite updated. They're also almost everywhere so it's quite convenient. I loved that it was my first credit card and if I needed an increase in my limits, within a few days I would receive a call and once provided legitimate reasons, my credit limit was increased. It was quick and simple in that aspect.

I have been with Bank of America for many, many years, and primarily a checking customer. In the past, I have had very few incidents with them, and felt that overall they were a very convenient way to bank, especially when traveling across country. Recently, I was traveling home from California back to Arkansas, and due to severe weather and frozen roads I was delayed in Albuquerque and again in Flagstaff, causing me to get home a few days later than anticipated. While away, I never had the opportunity to deposit some money in the ATM, like I always do, and had to wait until we got home.

My husband passed away in July. We were joint account holders and I am the sole beneficiary for all the multiple accounts. Our business account (which I am the ONLY signer for) was immediately frozen for "proper paper work". It is now mid January and I finally got the funds out. I had to start a new business in my own name using money from my own savings from a separate credit union. His IRA's (I am the sole beneficiary) were frozen and I had no access to them for 6 months until they were released. Our personal accounts, checking and savings, were frozen for 2 weeks. I was left penniless while they held over $200,000 of my money. I still do not have access to our mortgage, however, I must pay because they threatened repossession. The attorney that I hired has repeatedly said that in the State of Texas, I am rightful owner of all his assets because I am his wife. We even have a will that states he left everything to me. I have been overwhelmed with grief but have to swallow it in order to fight the bank so I can pay my bills.

Their overdraft fee rules are ridiculous and make it impossible to get your money back even when it's a bank mistake. The manager I spoke to did not have the slightest interest in helping me. They are obviously trained to keep as much money as possible. Terrible company, I'm closing my account today and never going back.

I have been on the phone with Bank of America customer service for 35 minutes to get a copy of my statement. They have put me on hold and transferred me to 3 different people. I called the number on my last statement -- that says "customer service" and if this is their idea of customer service it makes you wonder. 35 minutes and I'm still not done.

Awful customer service north Plainfield, NJ- This bank is horrible at customer service. I arrived at 11:10 am on Sat, one teller working, 13 people waiting ahead of me. 45-min wait, finally my turn, can't cash my check, come back Monday. I left at 12:53 pm took an hour and 43 minutes, then people waiting for over an hour were told they couldn't be helped and to make an appt. One just wanted to close his account because he had a lot of problems with BoA. Asked to speak with manager, she was no help at all, kept apologizing. Horrible experience, never again.

I deposited a check for $15000.00. They gave me access to $300.00 of it the next day. About a week later they gave me access to $3000.00 more of it. Another four days later the check finally cleared and I had the full amount. A week later I withdrew $10,000.00 on a bank check and had to wait three days for the bank check to clear. I had just waited a week and a half for the funds to clear and now I have to wait longer to use them. This is absurd! I withdrew the money to open an account at another bank. The funds and now that they're there I have to wait longer again.

In September I was approved and completed a shortsale with Bank of America. I have free checking account from direct deposit for many years. My account was changed and I was charged 25 dollars a month from October to December for maintenance fees. I went in December and had it changed back to a direct deposit account. I asked the Rep to return the fees because I always had direct deposit. She told me the supervisor is on holiday break and to come back after the New Year. I went back in January, the manager walked over to me when I came in and told me they could not return the fees because I had a short sale and it was not allowed. I feel these penalties are unfair. I paid 2000 dollars a month for 11 years and the person who bought the house paid 75 percent of the debt. I should not have to pay a penalty for a shortsale, that was practically paid in full. My papers say 0 dollars owed. I don't trust them now, they may extract money from my account again. This bank is not to be trusted.

The worst customer relationship. I had a payment come in early and the transaction was paid but fees were assessed. I called to get those fees removed and my wish was granted. Four Months later I have a similar incident but when I called about the fee I was told that an automated system rejected my request for a fee refund and there was nothing to be done.

I was contacted by the bank and they agreed to refund the fees on my account. I am happy with the resolution and their promptness after receiving my complaint.

We are banking on BOA more than twenty years, when the name was Barnett Bank at Tampa, Florida. Most of the time the service was great from all the employees. When we had moved to Belleair Beach, and Largo cities of Florida, we continued banking in BOA, location 125 Indian Rocks Road N.-Belleair Bluffs, FL.

No matter how long you've been with them, no matter how much you improve your credit with other sources, this bank does nothing to help out its customers. Only thing I've ever received from this bank was a secured credit card. Read stories about some customers having the secured card making on-time payments for one year and then being graduated to an unsecured credit card. Had mine for over two years, never went over the limit, never made a late payment, cleaned up my credit report by paying off old accounts during that first year I had my BOA secured card, but each time I called to request an unsecured card upgrade, I was always denied. So I found them worthless in all ways. Even though I had direct deposit to my checking account, never had any overdrafts or any negative issues with my checking or savings accounts, I could never get anything from this place to help me out credit-wise. So glad I closed out my accounts with them. They are worthless. I don't think they deserve to have the name "America" in their title.

I had an auto loan with a previous bank that I made all the payments on and had it paid off, that bank had been bought out then the bank it became had been bought out by Bank of America. This was of no concern to me because, to my knowledge I no longer had an auto loan with any bank. There were never any statements sent to me saying I still owe money or any statements saying my vehicle was going to be repossessed, so when I called Bank of America to get my title for my vehicle, they refused to give it to me because they claimed that I owed them a certain amount of money still. I disagreed with them, but asked them to send me a statement stating how much I owe them anyway. They refused to send me anything and just kept telling me they needed a certain amount of money from me for them to release my title to me. How do you expect me to just pay you money with no proof whatsoever that I even owe you money? I honestly would not have a problem paying it if they would send me some sort of statement saying something. I honestly cannot afford a lawyer at this time, but I need something to get done because I need the title to my vehicle.

A Bank of America representative contacted me and refunded the overdraft fees. Although I wish it hadn't taken writing a negative review to get results, I am appreciative that effort was put forth to resolve the issue. I optimistically choose to continue my relationship with Bank of America based on this resolution.

Somehow my Bank of America account was hacked and someone made online purchases for about 2300$. As soon as I notice that I contacted bank to block my card and I filed a fraud claim. So after 3 days when my money was posted back to my account I went to the branch on 127 8th Avenue to withdraw it out because I had to pay rent and some personal plans I had (my birthday), so I needed that money but the Assistant Manager there refused to give me any money saying that it's going to affect her branch income or something like that. ** the worst experience I had in 3 years being valuable Bank of America customer. I don't know why she can refuse to give my money back which belongs to me.

I have had an Account with Bank of America which was allegedly closed by Risk Dept. stating of a fraudulent activity on my account. The whole incident started with a check being bounced that was given by my ** and was deposited by me for an amount of $750.00. This amount was deposited so that I could pay my school fees and was deposited in my Account after two or three days.

These mother ** took money out my account without my authorization! A total of $344.01!! All the customer services reps are airheads and can't explain ** . I will be closing today! Do not trust this ** with your money!!!! ** them.

They refused to budge on overdraft fees, in spite of several overtures on my part to pay the principal and some, but not all of their excessive fees. They closed the account and took 600 dollars from another BofA account of mine on Christmas Day. Now I have less than a dollar in my bank account. I have been poor. I have been rich. Now I am poor again. I can tell you BofA punishes the poor.

Bank of America in Springfield MO and perhaps other areas have decided to change their customer service to no longer off the benefit of drive through service. To a consumer in the trade, this is a disservice. In this fast paced economy, people like the convenience of the drive through service, which is offered at all other banking facilities that I am aware of. Hopefully with enough dissatisfied customers, Bank of America will see their error in customer service. Thank you.

I am so pleased with Bank of America that I want to tell everyone. I suggest that everyone should bank here. I had many charges that were not approved by me and the Bank of America stood behind me and took all the service charges off and the fees that were not approved by me. I will keep my Bank of America account because they stood behind me all the way and were understanding to everything. Happy holidays to all of you at the Bank of America and thank you for everything.

Dedicated professionals who go above and beyond for their customers! Specifically, I worked with Simona in the fraud department who took the time to work on my case and answer my panicked phone calls when I had fraud on my credit card and was in the process of purchasing a home! Simona did not have to (but she did!) expedite my case and even talk to credit agency customer services representatives to assist me with fixing my credit report. I would recommend Bank of America for their superb customer service and plan adding more accounts with Bank of America in the future.

I am a customer of Wells Fargo Bank, but today I had to make a deposit into an account at the Bank of America. The branch is located on Crown Valley Parkway in Laguna Niguel. My bank, Wells Fargo, took me less than three minutes to do a transaction; I then went across the street to the B of A branch. The line was 15 people deep, and I had to wait 30 minutes to get up to the teller location. Why would Bank of America have only two (that's right, two) tellers on duty on one of the busiest days of the year? Glad I'm a Wells Fargo customer- that experience says it all for B of A.

I made a counter deposit at this bank on 11/25/2014. My deposit included some checks and two money orders for $250.00 and $500.00. The bank teller examined my checks, ran them through their machine, accepted my deposit and handed me a receipt. 2 days later I received a letter from the bank informing me that they are debiting my account in amount of $750.00 "because my 2 money orders were not included in my deposit.” After protesting their action and talking to several officers over a period of several weeks, this is the respond I got from a senior officer:

Today, like many other days, my CCD was declined at POS. Today, like many other days, it was because of 2 transactions at Home Depot within an hour. Today, like EVERY other day it happens, I called BofA to clear my card. Today, like every other day, I provided instantly to them: my card number, CVV, expiration, name and address - as I do every other time. Today, unlike every other day, it was beyond URGENT. It was a transaction that had to be done for a 40k shipment to get to the Bahamas and I had a 10-minute window before all trades closed out for this order to make it. I told Ben this as I started talking to him - this was URGENT. Any delay in any part of the order means no shipment at all as I explained at outset.

What I have noticed is I am constantly going into red each month but if I print my bank statement everyday I don't go into red. What I have noticed that BOA does is they will put a charge as pending so the next day you assumed it's clear being that it's no longer in the pending section. Nope it is completed deleted off your account completely. You purchase something, not paying attention to your balance and all of a sudden you are in overdraft because of a charge you thought was all set. I blamed myself for not paying closer attention to my money so I decided to pay closer attention.

After having bank account with them for 11 years, 2 paid auto loans, 2 credit card $15,000 limits and checking and saving accounts as well with credit score of 692 and 723 today, I applied for used car auto loan about $12000. They denied me. Lol their excuse was I had a foreclosure on my home five years ago. Guess what, I got 2.9% loan from Truliant Credit Union. Tomorrow I will Close all my account with them and never ever again do business with them.

In closing my deceased brother bank account with Bank Of America; I have encountered many incompetent employees starting with a meeting on 11/17 with a local bank manager who refused to see me and made me waiting for a teller who said the check would be overnight by FedEx the next day; it never came. Spoke to a CS rep-Manager on 12/10 (I thought the check was placed in the mail) I was told it would be sent UPS to me on Friday 12/12... Not. On 12/17 I was told the check was processed and would be overnight-ed by UPS and to call on Thursday for the tracking number. I called for UPS tracking number on Thursday and was told it was sent USPS regular mail delivery. I have found that all phone calls with this bank have been the most untruthful that I have ever experienced in my life. This is the worst experience I have ever had with a banking institution and further caution everyone to reconsider dealing with such an incompetent bank.

They canceled my auto pay. They did not take min payment on time. They charged me $25 for non making min payment on time. They blocked my on-line account. I had to spend an hour on 800s number to fix it... 6 different reps were trying to do so... each rep asked me the same security questions. It seemed I called 6 different companies... So, if you have an option, do not have any accounts with BofA. you will spend hours speaking customer service in case of problems.

My son share an account with me. I always deposit his checks into my account. I deposited a large check into my account. Bank of America removed the deposit and when I called they said I should have deposited the check into my son's account. I said, "Look at the history. All his checks are deposited into my account." My account became over withdrawal because they removed the check I deposited and then charged me an insf fee $35 and told me as long as my account remain negative I will be charged a fee. My account was a positive before I deposited the check. I spent money based on my deposit and WOW look what happen, I end up owing them.

I was alerted today that my home equity line of credit was 30 days late. My account is current and not due until next month. Thanks to Credit Karma for the alert. This is the most thoughtless bank and I can say that as I use 2 other banks and this would never happen at them. Will move my accounts as soon as I make arrangements to change my automatic deductions.

I had a student account with BOA. I graduated from college, but I never received any email about monthly maintenance fees. I started getting charged $12.71 every month. I called BOA, and one of the agent told me that she would put waiver for the fee for one month because I was trying to close the account. I had already transferred the required amount to close my account. Next day, I check my account there is another $12.71 fees. I called waited 1 hour long and the manager tells me that she can do nothing about it. I pleaded and told her that the agent told me that she would put stoppage on the bank fees. But she told me there is nothing that she could do.This is just ridiculous. Big bank but poor service. Heads up to all the account holders that BOA sucks! They don't care about customer care.

I made my first mobile app deposit with my payroll check. At first I was getting an image error. Tried a few times. Kept getting the same error since I was unable to deposit my check through my app. I decide to give up. I waited a few days just in case it went through. Never seen it deposit to account so well at Walmart I cashed it. At this time I hadn’t received any indication that it had gone through. I have received an email from BoA stating that my account is now overdrawn the same amount that my check was for. I am so upset... I am really worried cause about 2 weeks ago a tried it again with same results. What can i do to resolve this? I will never use this app again.

I closed my business account and personal account due to the Banking Center Manager Ms. Marcela **. She is banking Manager level 2. But she act like she is the CEO & President because she doesn't give the banking service to equally to the client. She is Spanish and under her control nine more banking employee are Spanish. Only one lady is American and Security guard, rest of all the employees care about Spanish Clients only. The reason of closing both my accounts due to her. I had fee on my account. One I spoke to her she refused me totally. I also closed my Merchant account with BOA. Banking fee or some different reasons of her. Bank for only Spanish.

I have been a large BOA client for over 10 yrs -- with both a ML account and bank/mortgage/equity accounts with BOA. ENDLESS frustration trying to reach a human. Call the local branch and get routed to call center. Automated system requires acct #s which I neither have memorized, nor with me when I'm at the office or traveling on business. Every call is at least 20 minutes of trying to get to a human. For the most part, I do my banking/transactions via internet, so when I do actually CALL them with a need, I want to talk to a HUMAN. Note to BOA: when you're dealing with people's money, they need to be able to get to a human within 3 "key punches" on their phone. MOVING MY ASSETS.

I had a wire transfer scheduled to deposit in to my account on 12/24. It never arrived, and after review, the wire was rejected because my last name on the account and on the wire did not match...the wire was in my married name, the account in my maiden. I have never changed the account because they require both my husband and I to agree to my name change in person at a branch (this is what I was told by a branch manager), which is difficult when we both get off work after the banks are closed. Because of the rejected wire BofA charged me $40. I disputed this charge, and they refused to refund me.

Bank Of America Corporation Sucks And Does Not Care About Their Customers!

I just had to write because I have received superior customer service since we started banking with them in 2000. We recently paid off our mortgage and never had any problems. They never sold our mortgage and always had excellent customer service. I recently made a mistake with an overdrawn account and stopped in a BOA office in another city. They immediately reversed all of the fees that were incurred because of my error. Every time I've had any fees because of my error they have been quick to reverse them. They have always been very helpful and very professional.

(Actually through research I also found out BoA was rigging the contracts by taking turns with other companies to take turns on the lowest bids...Google it, it's one of many lawsuits they lost at.)

I was charged an overdraft fee when my account was not overdrawn. When I called and requested a refund, they say they can't do it because the computer won't let them!

EXTREMELY POOR CUST SERVICE- BANK SHOULD BE ASHAMED OF HAVING TELLERS LIKE INGRY **. Went to the stupid bank to use my locker. Went in line, waited for teller. Ms ** said to wait for someone at the desk (2 people both busy with cust, no problem there). Waited for 20 mins, while no one was in the line for tellers at window who could have helped US with the locker all along.

I've banked with them for over 10 years. I use direct deposit. My employer issued a paper check for the holidays, which I deposited. Bank of America placed a 10-day hold on my paycheck, which caused numerous checks to bounce and of course caused a $35 bounce fee even though the money was deposited. Their customer service rep had a thick accent I couldn't understand. When I went to the bank today to cash another check they refused. I will close this account as a result.

OK when I first started my account when I was 18 (Now 22) I loved it! No minimum balance (was important since I didn't get a job for a while after high school). So once I started making money still no minimum balance! Now if you don't have a minimum balance of over $1000 or make a monthly direct deposit of $250 or else you are charged $12/M for every month these specification are not met. Not really an issue but my work takes a few months to get this info into their system so until then it cost me $12 a month to lend BOA my money. In addition to these ** business practices they also charge me $8 to pay my credit card bill which was $30. WTF?!?!?!? That's almost 1/3 of the entire ** bill! In addition they often make mistakes that cost me money. (Most recently they were suppose to drop off a charge that was double charged instead they took off both costing me to get late fees with this company!)

The rudest customer service ever!!! Called them, waited for 30 minutes, asked to solve my problem. The representative said she couldn't do it and hung up on me. Closing all my accounts with Bank of America. Don't want to have anything in common with this place of shame.

I recently open a smog check inspection for cars and I contacted bank of America to help me with the merchant services and I ask for Spanish speaking associate which they had. Since I have been banking with this bank for about 23 years I was very confident I was going to get the best service. Bank of America recommend me a guy called Luis, a good guy. He explained to me the options that I had and decided to get one of the most affordable one, which he told me it was go to be a $30.00 lease fee and the other charge was going to be a percentage of one point something to two point something, and I repeatedly ask if there were any other charges and he said NO. I also ask about contract, he told me that there was no contract, but there was a lease for one year, but if I decided to cancel it there was not a problem.

I have no idea why I've stayed with Bank of America as long as I have. I guess they rely on procrastinators like me. I was recently charged $35 for an overdraft. I made a deposit on a Sunday and a debit card purchase on Monday, after which all were marked "pending". On Tuesday, the debits posted first before the deposit causing the "overdraft". This is the fourth time this year this has happened to me. The representative I spoke with informed me that since they had already reversed $35 fees for me this year, she couldn't do it again. So... they only correct their mistakes once per year???? I asked to speak to a manager whom she could not find. I was promised a call-back from the manager within 24 hours. No call-back after 30 hours.

I don't like Bank of America. This is the second time they have unjustly charged me an overdraft fee. I tried explaining to them what actually happened along with being able to provide proof and it didn't matter. They still charged me which is very upsetting. It's like they didn't even listen or hear me out as to what I was trying to explain. I wanted to speak with a manager but a manager would not even get on the phone. I'm done with Bank of America. I will never sister someone to this bank. It is the worse bank ever.

Bank of America has lots of hidden fee. They try to charge you every dime. Customer service is terrible. Be aware!

I ordered a ink cartridge from eBay and the way it used to work was, once I had selected the item I wanted to purchase I would click on the cart and I would be transferred to PayPal and I would select the payment option and I was done. Now when I select the item I have to log into PayPal which I was sure I did. I selected pay and could have sworn that I saw the last four digits of my Chase account which I intended to use. I happen to be surfing the web and go to my Bank of America account and see that I am $38 dollars and some change over! I look closely and realize the $7.34 ink cartridge had been charged to Bank of America instead of Chase, and since I only had $3 and some change in the Bank of America account I was $38 dollars over.

Bank of America started foreclosure, forced me out and now I find out that they still have not finished the foreclosure, that was back in 2011 or 2012. I'm a Disabled Veteran with TBI and PTSD. I tried to work things out with BOA and then they just transferred my call to a phone that nobody would answer. I'd call, they'd transfer my call and then ring, ring, ring, every time. I was only 2 months behind and lost my home and 90 percent of my belongings. I would have been homeless if not for my sister and husband! A veteran group helped some too. To this day, stress about what to do? File bankruptcy? I read where that does not correct the situation. I own very little and feel lucky to have a couch! Thanks, Bank of America! I'm not done yet. If two wars did not kill me, you won’t beat me! or the hundreds of thousands in my shoes. I figure if I share this, folks can see they aren't alone.

I received a check from a business for merchandise returned (as written in the memo) and wanted to cash the check. The bank wanted to charge me 5.00 to cash the check. When I questioned it they claimed all banks do that now. I asked to see something in writing, they handed me a piece of paper that stated on payroll check they charge 5.00 to cash. I said "this is not a payroll check, it's a refund check." They did not care. I told them I have a credit card with bank of america, that did not matter either. I ** and complained until they cashed it without taking the $5.00 off. I called corporate and they said that's crazy, but then reviewed policy turned around and said "well, we do charge for cashing checks to non-customers."

I finally called the corporate office of the CEO to help me with a dispute that Bank of America didn't answer 3 times. I spoke with a Sr. manager named Joel ** who told me he worked for the CEO. This guy is absolutely no help. He does not listen, he talks over you and has no clue about his personnel in his departments. How did this guy ever get so far? He was absolutely no help nor could he steer me in the right direction. But he kept on talking about nothing that I was inquiring about. Stay away from the merchant department. They are people that make min wage and have no idea what a dispute is about. This is not the 1st, 2nd or 3rd time I am having a problem with Bank of America. Do yourself a favor, there are plenty of banks out there. Stay away from BANK OF AMERICA.

Bank of America merchant service (FirstData) ruined my business and cost me more than 10,000 dollars. I had hundreds of disputed transactions on my website. After looking into the transactions details I found out that most of the authorized transactions were approved with fictitious names (Jose ** used multiple times). After talking to my IT developers and other merchant services, we concluded that Bank of America - FirstData security filters didn't work and failed to protect, check and confirm the identity of the card holders, first name, last name, expiration dates and security codes.

I returned from deployment from Afghanistan with over 130 bucks of charges. $12 a month for what? Then they try and charge me a fee when I closed my account with them. There are so many other banks out there that don't nickle and dime their customers. Stay clear of Bank of America!

I had accidental transaction which caused 3 $35 overdraft fee. Transaction were reversed same day, but overdraft fees weren't, so when I called BA (re: fee reversal), they found an excuse not to take all of overdraft fees off. Waived only 2. I have a merchant account with BA for many years and business account, which is going to closed ASAP. I don't want to be part BA who doesn't care about their customers. If bank really would want to hold on to their customers, they have to work with them, not push them away. I wouldn't recommend this bank to anyone. I happily will switch to US Bank.

I found out that Bank of America had cancelled my debit/VISA card when I tried buying groceries (3 weeks after they decided to re-issue me a card without notification due to security issues). They never called, emailed, wrote a letter, etc and we never received a card. Of course, they said that they mailed notification and a card - never received. They claimed that they never called because they had no contact info - funny since they have called me on my cell to report suspected fraudulent activity and they send me emailed bank statements and other activity notices. Also, they claimed it was mailed to an address that has never existed on my account - oops - their mistake. Can I update my address again? When pressed to find out where that address came from, they said, "no one can get into our system to change your address," changed the subject, then asked for our address (which they've had for 9 years - mailing statements monthly). Next, they said they were blocking that card - good. Then they were mailing a new card - good - but it would take up to 2 weeks - OK.

In April 2014 I was sold a merchant services account that apparently does not exist. I was told by the salesman that if I opened a merchant checking linked to a card swipe that there were no monthly account fees, only fees for each swipe. It was untrue. That employee is no longer with merchant services. Bank of America will not honor the product he sold me. So I went to the local branch and severed my relationship. I closed all the accounts and walked out with a check for $26,000. SO I THOUGHT!

A year ago I changed my business therefore needing to change the name. Recently I have had a lot of charge backs from my customers. Wondering why, I contacted Bank of America and they told me my old business name was still on there! After going to multiple banks to fix this (over a month time lapse here) they told me I should just close out my old account and reopen a new one. I did this and having it cause problems with the IRS and other issues, the old business name still was one my new account! I have lost thousands of dollars from customers due to this problem! BOA gave me the charge backs and I sent them the proper documents to get this resolved. Hearing nothing back from them I called back to check on the status and they explained to me nothing could be done now. I had argued back and forth that this was not my fault and something needs to be done. Again no help. I asked them again what the name was stating on peoples' bank statements, again was my old name still!!

Bank of America has improperly reported to credit bureaus in order to prevent myself from refi and they raise rate to 11.6 percent. Told me they couldn't refi when I went other lenders was able to get rate under 3 percent. Has held escrow payback past legal time line and add fees every step of the pay. A joke, after all the taxpayers' money they have raked it from bail out.

BANK OF AMERICA is making tons of money by ripping off customers. My acct was overdrawn 3 time and charged $35 each time. I cannot believe the GOVERNMENT let them do this AFTER the federal reserved BAILED them with billion of $ and the people pay ridiculous fees. There are no control OVER THESE THIEVES.

I would like to update my review on Bank of America to help any other reviewers on here and to also be fair. I filed a complaint on the Consumer Financial Protection Bureau on November 18th. My case went under review and I received a company response in regards to the overdraft fees my checking account incurred. They responded and credited my account the $140.00 on December 1st.

This branch that I use for my banking on Sugar Loaf Parkway in Duluth, GA is the worst branch for services for a long long time. Every time I walk in new faces show up. Never find a personal banker who I can recognize and nor they recognize the old customers and understand their needs. A small resolution needs 45 mins to an hour wait. The reps seem to be spending hours helping customers and I tend to think that they are more in a socializing mood with lip service than caring to find out there are other customers who have waited for long, who are not on 9-5 clock like these bankers and don't have time and patience for these useless banking staff to take care of other errands during weekdays.

I opened a checking account, they sold me a savings that "comes with" the checking and it's "free," only to find myself paying $12 on checking and $5 on savings "maintenance fee" just for having an account. I was paying $5/month for an account I never wanted to begin with! I also went to get a personal loan, and since they don't offer it, the bank manager just took my info and applied for a credit card, something I never agreed to!!! All they want is sales, they don't care about the customers! Worst bank ever!!!

Had an account for almost 3 years, not sure why I stayed this long. When I signed up, they promised me and my friend referral bonus after 6 month, but they denied that they promised anything, and the person who opened our account is nowhere to be found even though I provided them their name and paperwork. I was charge overdraft fees multiple times even though I setup overdraft protection. I am not sure why they have an overdraft "protection" program if they still charge overdraft fees. Even though in most cases, the charges come in around the same time as direct deposit, but for some reason they clear the charges first.

I just graduated and got a new job. I gave my Bank of America account details with my company and after 2 months, when I noticed that there is a 9-dollar transaction fee applied to my account every month, I called the customer service people saying that this 9 dollar fee is not fair as I did not know that if there is a direct deposit for my account, there would be a charge of 9 dollars. They said they cannot refund the 18 dollars for 2 months, as I got 70 dollars (for overdraft fee) credited to my account as courtesy request (I accepted that as it was partly my mistake as a payment I made to other credit card company got credited from my account 10 days after payment) but now it is highly strange why I cannot get the money back.

This afternoon I deposited 2 checks from customers through the ATM and I did not receive a receipt and they did not show up in my account. I immediately went into the bank with the check stubs and asked for some help. I was told that there was nothing anyone could do to help me. The employees called customer service who said if it was not resolved in 10 business days they would automatically deposit the amount in my account. In the meantime, I do not have that money that is necessary to run my company for the next 10 days.

Tonight I got two pieces of mail from BOA congratulating me on opening two new accounts. Problem is I didn't ask for any new accounts. I haven't done business with BOA in over 10 years. Immediately called and canceled both accounts. On the plus side the guy who answered and dealt with this was very helpful and respectful and didn't pull a Comcast over my cancelling the accounts. Next step was the credit bureaus to log a fraud alert and check my history. Strangely enough, BOA has been requesting my credit report about every 3-4 months for the last year. Are these guys stalking me?

Every time and I mean every single time I go to any B of A to cash a check from my customers (for money I have earned), the tellers always go through the same dog and pony show trying to prove the check is fraudulent, (always) every single time, stating they can't verify the signature so they have to call the client. I have now resorted to always calling my clients, to stand by, and wait for the teller's call. I used to have several accounts with B of A but closed all my accounts due to accounting misdeeds. And Bank of America charges $5.00 to cash a check for money that is not theirs. This is extortion and theft. It is time for a massive class action lawsuit against B of A. From now on I am going to tell my clients in advance that I will no longer accept a check from Bank of America. And if they don't like, they can get someone else to do their job.

If you are overseas and need to do online banking with BoA it is a nightmare! The online wire transfers can only be done through a Safe pass code system which only works if you have a U.S. number and if you did the safe pass system it doesn't always send the code to the number. On top of that, if the wire transfer goes out it takes over 7 business days to receive the funds in another country. I will never do business with this bank again, it's almost comical how bad this bank is.

We've been attempting to get our house in Atlanta (we live in CO now) sold via Short Sale since around May 2014. It's now November and BoA has already lost an offer that was nearly full price for the property due to their never ending delays. The offer was barely even a "short sale" it was such a good offer. To drive this point home: they had us update the date on some paperwork because they had caused it to become outdated. Yes, they outdated their OWN paperwork due to delays. Now, the house faces foreclosure and it's a race between their Short Sale department and their Foreclosure department to see who's more efficient. I have my worries. (Details: we live in Colorado now and have kept the house for 6 years. We don't have renters there anymore and I've lost my job. It's most urgent to sell the house at this point and BoA has lost money now. I told them as much on the phone and it was like talking to a robot.)

I am an American living overseas and have made wire transfers several times. This is the first time that I encountered the following problem. I made a wire transfer in the amount of approximately $652. I paid the bank here in Asia their fee in cash. Upon receiving the transfer, B of A deducted $18 for a fee. The deposit was then for approximately $634. I was okay with that. But a couple of days later, I was assessed a second wire transfer fee of $16. Trying to deal with the bank's customer service is a nightmare. Although their online website clearly shows the two charges, the CS reps say that they see only one. They do not even bother to look. Obviously, this is a small amount. But if B of A is doing this (charging double) on every wire transfer, the amount they make in a year could be staggering.

From the time I was 18, I have been from bank to bank trying to find a business that actually values their customer base, even if just a little bit. I have never done well with my finances, in fact, I would go as far as to say that I was financially irresponsible. I am no stranger to overdraft fees and I got to a point where I wouldn't even bother trying to talk a bank out of charging me an overdraft fee because I knew I would just get a "Sorry, we're unable to reverse the fee because your account fell below a sufficient balance".

We Leased a Credit Card Machine through Bank of America Merchant Services on Oct 2010 for a 4 year lease & the credit card service was through First Data. We may of used this machine 4 times within the 4 year term. Do you think Bank of America would of allowed us to cancel this service before the 4 year term as they could verify we have not used this machine, of course "NOT"....On 11/1/2013 we called Bank of America to inquire about terminating the lease, talked with merchant department which told us that this lease was only a 3 year lease with BOA & remaining term would be month to month and First Data could be cancelled at any time. 9/23/2014 - spoke with First Data regarding closing account & returning this credit card machine. We returned equipment as per their instructions and our account was closed according to First Data. We made sure to ask First Data if we had to call BOA to close account and was told "NO", they would notify them of account closure and we would receive a confirmation letter stating so. Account with BOA was closed & First Data received the credit card machine back.

I had requested my account be closed in March. I was under the assumption that it had been closed since the account had a zero balance. By mistake one of my credit cards automatically tried to deduct a payment and a credit report company I wasn't even signed up with tried to (and was successful in deducting) a $1 charge from the account that wasn't even supposed to be open anymore. Then BOA decided to pay these charges and charge me NSF charges which brought the account to a negative $300+ balance. They claim to be sending me notices to an address I no longer lived at and a few months without any responses from me decided to report it to Chex systems.

OMG!!! Where to start.... Ok, I have known that I have been on ChexSystems for a year now due to a really poor choice in allowing my ex-wife to be on my account who ran it into the ground! I divorced and moved on. 7 days ago I decided to try and open up what I thought was a second chance bank account with BOFA. I did my homework first by calling their customer service line and having them check my name and SS# to see If I even qualified to open a new account. The rep informed me that I was all clear to open up an account and directed me to the nearest BOFA. I opened up the accounts and was on my way.

I have been trying to get in touch with anyone who will answer a phone at 4 of my local branches, and the customer service number. I have been trying for 4 hours and on hold once for over 37 minutes. Freaking pathetic, if I had an account here I would close it ASAP. I have a check from my 401 k written on Bank of America, and was wanting to cash it. I can't verify anything since no one will answer the phones and any of my 4 locations. WORST CUSTOMER SERVICE EVER. THEY SUCK SO HARD IT'S CRAZY. I WOULD NOT PUT A PENNY IN THIS SORRY EXCUSE FOR A BANK. Last time I tried to cash a $7500.00 dollar check written on a Bank of America account from Merrill Lynch, I was told that since I was not a customer they could not give me all their cash because they would not have any for the actual Bank of America customers, (really really I am a customer now through Merrill Lynch) so they would not cash my check and sent me to another bank across town. This place SUCKS.

My son took his in-laws from Taiwan to Bank of America to cash three travelers checks, and took the money out of his account so they had cash. He deposited the travelers checks into his account right there at the bank branch, with his in-laws showing proper ID and passports. He asked if everything was correct, he was assured that it was, and cash was withdrawn for them from his account. A week later, three travelers checks, endorsed, but without a payee name, were mailed in regular mail to him.

I reopened a BOA checking account back in January of this year (2014). Their account balance has been "off" from mine on numerous occasions, so until recently I let it slide and just adjusted my ledger balance to jibe with theirs. That is until it became hundreds of dollars off. I call BOA telephone customer service and after speaking with the rep. and asking to be transferred to their accounting department, she informs me, "We don't have an accounting department!". What, what, WHAT?!

I had my personal checking for a few months now since I moved back from Texas. I just opened a small business account in October 2014 because I was going to start doing consulting for businesses. I finally landed a job and did their consulting a lot of work almost a month of sleepless nights and they sent me my check for 4820.00 via Cashier check. Turns out the whole thing was fraudulent. But instead of calling me and helping me file a complaint, they closed all business relationship off with me and closed all my accounts my personal checking and savings included. When I called into risk management, the people were rude and treated me like the criminal and not the victim that I am! I have their CEO mailing address supposedly and plan on writing a letter but I am pissed! They said its a business decision for Bank of America and since I am the one who tried to deposit it, I am being held liable. How the hell is that fair? I am the victim! That's bs! I want justice and compensation for them smearing my good name just because someone else is a piece of crap!

I have a BOA checking account for almost 6 months now. Few days back, I deposited a check in person having BOA as drawee and amount was credited to account following morning (as informed by teller at the Bank) with BOA system SMS alert substantiated it. Checked my online account and transaction stood complete. Amount available to use. Everything looked wonderful. In the evening, it bounced and no Alert was sent across. I realized three days after I had transferred money to a person that it was a bad check. Due diligence I did was in vain and I was victim of a scam which indirectly attributes to misinformation generated by BOA system.

I have been working for nearly 1 month to receive payout on 2 accounts with POD. I spent over 2 hours in the bank having the person ask my plans for the funds and contacting Merrill Edge for investment counseling just to find out they can't issue funds at the branch and it would take a couple weeks for the Corp. people to mail me a check. I has spoken to the bank by phone numerous times and have even spent over 2 hours on hold while being transferred to four different people. I was disconnected and no one bothered to return a call. Each person has given me a different time frame or excuse as to why the funds have not been paid. The account is now suppose to be in escalations which is code for another delay. I am going on 20 days since first contact. All the bank is doing is making excuses and does not send this to the next department until I make an Inquiry and get upset. Poor customer service. No other bank has been this difficult releasing funds. I would never recommend this bank to anyone that wants competent banking employees handling your money.

Bank of America has clearly gone out of their way to make a difference to me today (10/24) and I am reviewing on my experience with the issue I had on 10/24. Bank of America has been very reasonable with helping me have fees refunded, but I frequently use my card, not sure if that makes a difference? I cannot speak for their other services but personally, I have noticed they seem to take care of checking/debit card customers who have been with them for a long time. This Bank is improving, but still seems to be having some issues. I have looked at a lot of the other reviews on here and I would say as a constructive criticism that Bank of America try to incorporate what gives them positive reviews into the aspects that people are continually complaining about.

The lady I talked to today concerning my account with BOA did help me out and she even refunded the fees on my account. I am happy that they helped me on my account and that she listened to me and looked back at my account and saw that I did in fact try to make sure my account would not go into the negative so I wouldn't have any NSF fees.

For 15 years I paid monthly installments on a small commercial loan on time, in fact the payments were automatically withdrawn from the Bank of America checking account that I had to set up as a condition of getting the loan. I also had to take a line of credit, which I didn't need. Another way for B of A to make money over and above the interest on the loan. Oct 5, 2014 was the happy day when the last payment would be withdrawn from that account and the loan paid off. Got some letters from B of A that were not at all clear, but stated the final pay off amount. I assumed that B of A would withdraw the amount from my B of A account like they had every month for 15 years and made sure there was plenty of money in that account for them to do that. Today I called to make sure everything was paid up and found out that they didn't withdraw the money from the account resulting in me having my first late payment ever with them in 15 years. I told them it was not clear that they were not going to withdraw the last payment and the very unsympathetic and rude supervisor quickly denied any willingness to be understanding and made it clear that the late payment and additional interest charges would stand.

My teenage daughter had an account. She did work for someone who wrote her a bad check. She met with the bank manager along with my husband. The issue was resolved but she closed the account. Now, 2 years later I have moved across the country and want to open a joint account with her to transfer money. We were told that they flagged MY DAUGHTER for check fraud! After meeting with us and telling us everything was fine. And in top of that, the branch manager in Simsbury, CT was the rudest human I've ever dealt with. I'll be closing all of my B of A accounts and filing a more formal complaint. From reading in this site, it seems that this is standard B of A practice. Unacceptable.

Back in April 2013 I open an account with BoA, I was around the age of 17. After having the account for a couple days I misplaced my bank card. I couldn't find it so I called BoA so that they could hold my account or send me a new card. The lady told me she would take care of it, I had nothing to worry about. Never getting a card I assumed my account had been closed. I now I have a baby and opened an account with regions. Me and my sister already have a shared account with regions. So after opening up my own account I get a noticed that my account has been frozen. After checking into it I see it's from BoA. They say that someone tried to deposit a fraud check into my account for $500. I was never made aware of this and this was my first time knowing this. They said I owe no money. But now I have to write a claim to dispute the charges. I can't have any accounts in my name. I'm also highly upset I'm just hearing about this. I will never bank with them again and I'm sure to tell others not too.

I have a business account with B of A and have been banking with them for over 10 years. Generally they have been good to me, except for the most frustrating, recurring nightmare. I work on the road year round, so I'm usually traveling and away from home most of the year. I have informed the bank about my travels. I find myself making purchases here and there using my Business Debit card. Not often, roughly 10 times a month. Over the past number of years, I can't tell you how often I've tried to use my card and gotten a surprise in finding out the bank has blocked my card and reissued me a new one. They say it's because a merchant has been "compromised" so they block all the cards used at the merchant's store within a certain period and reissue new ones. This may seem like a small inconvenience, but for people like me, who don't stick around anywhere longer than a week or two, this creates a nightmare!

While I was a student they gave me secondary account for free and later they have been charging $12 monthly fee and I had direct deposit setup for primary account. When I asked for refund they are saying they can't. Who the ** asked secondary account, they gave it for free and keep on charging since an year.

Hi. I just want to express the frustrating experience I had with Bank of America. I opened my account on July and now (Oct 18, 2014) still don’t have my permanent card, a total of 4 times I requested the card to be re-issued since I never got it in my mail, and now, I decided to close my business with this bank since they keep saying they will re-issue again the card. That is bad service for me. Service at the branch is OK though, but this issue with the card was very frustrating and so I will stop doing business with bank of america. At the same time in July, opened another checking account with First Tech and I got my card immediately at the branch, that was super fast and very practical.

My son died April 30 and I finally received the Affidavit of Small Estate the bank requested to disperse the funds to the beneficiary. I also submitted another required notarized letter. I was informed I needed ANOTHER affidavit because the first one had the name of his business account, but not the number. I told them I tried but could not get the number from the bank without an affidavit with the account number on it. Go figure! They told me to get a court order to get the number! Another Affidavit would cost a lot of money which I don't have. I have no idea how much a court order would cost or how long it would take. The people making decisions in the "estate unit" are inflexible and disorganized. My husband passed away a year ago and it took about 5 months after submitting the required documents to have the funds dispersed, and only after I made multiple trips to my branch to complain.

They just love charging people overdraft fees and fail to mention the ramifications of said fees until it is too late and then say, "well sorry, too bad for you" and steal your money. They're scam artists and I would highly recommend finding anyone else to bank with but them. They state that you have five days to bring your account back into the positive if it's a merchant charge that brought it into the negative, and then will hit you with an overdraft fee the very same day and say that it's "not their policy" after they specifically said beforehand that it was. Thieves. Bank with someone else.

On Sept. 27th, 2014, at about 11:45 am, I went to deposit cash of $1,950 at the branch of Bank of America located at 1000 Cottman Ave, Philadelphia PA 19111. I gave the teller an envelope that contained two decks of cash, one was $600, the other was $1,350. The teller, a woman about 50 years old, rewrote the deposit slip for me. I asked her why she had to rewrite the deposit slip. She said I wrote the number at the wrong line, the cash back line, which I don't think I did. But even if I wrote at the wrong line, she could simply cross it and just rewrite the cash amount, and didn't have to rewrite the whole slip. She did this just to distract my attention. By the way, when I asked her why, she felt a little surprised that I spoke English since I'm Asian origin of over 50 years old.

Is it possible to hate Bank of America any more than I do? No matter where I go in the world, my Visa credit and debit cards are declined because Bank of America says they are protecting MY interests. Today in Palm Desert, CA, I filled the tank of one automobile with gas. I used my Bank of America Visa, and the transaction was normal. An hour later I took the other car in to fill the tank, and this time Bank of America locked my Visa account for "unusual transactions." I would think this was outrageous if it did not happen all the time. All the time. I can't believe I let my darling wife talk me into this POS so we could get Alaska Airlines mileage program benefits.

I have had a BOA Credit Card for some time now. The main card I use is AAA BOA. I use this card daily. The second card is Spirit from BOA. I have just received a bill from BOA for $59.00 fee charge for my Spirit card. I notified BOA and tried to overturn that fee. My request was refused. I then requested them to cancel my Spirit card and they did so without hesitation. With all my cards I never had to pay a fee. The only way to stop this fee was to cancel and now this will go against my credit. It is like holding my credit report hostage. When canceling a credit card that requires fees, I should not be punished for it.

I opened a saving account on July 2013 solely because of the Keep the Change promotion where they match up your changes and pay that same amount upon your anniversary of the saving account. I waited 14 months and my fund has yet been matched. Contacted them and they told me that the promotion was discontinued in December 2013; hence, I wouldn't be awarded any matchup amount. I have not received a single notice or email regarding the discontinuance. I reasoned with them that that is not fair for the customers just because they decided to discontinue the promotion out of the blue and that I have signed up before the promotion was discontinued and I should be receiving my fund. Or at least the matchup fund up until December. They wouldn't give me anything nor make any attempt to solve the issue or reach a compromise with their customers. They said they will put in a request. Few days later, I received a letter in mail saying my request for the refund has been denied in short 3-4 sentences paragraph. NO EXPLANATION was given. This shows me how they treat their customers. I would never use this bank or trust them with anything again.

We are trying to buy a beach condo in FL. Went to the BoA mortgage office locally in Tx and met with a very professional agent. He was professional throughout the process, but that is where any positive news stops. We spent a significant amount of time processing paperwork, providing documentation and countless calls. We had to deal with 3 different "divisions" for this process. We were told we qualified very quickly. After 24 days - that's correct - 24 days, we were told that the condo had been declined. The reasons given were twofold. We were able to clarify the two reasons, but they came up with a 3rd reason. This again was not correct. Not once did they try to clarify these items that they misinterpreted. They did not request anything in writing from anyone to clear this up. They refused to re-look at the qualification of the unit because they stated that the "website gave the appearance that...." Since when did appearances matter in a business transaction. This should be based upon facts. When presented with the facts, it made no difference.

Yesterday, I went to cash a check for about $60 that my homeowner's association (HOA) wrote to me to reimburse me for expenses I had incurred (ink cartridges). My HOA has several accounts with Bank of America, so I thought I would save some time and go into a location that was next to the grocery store that I shop at. After taking my thumb print, driver's license and checking on their computer to see that the appropriate person had signed the check, I was told that I must pay a $6 fee to get the money. I said what?!!! You are charging me a fee to get the money for the check. They said YES, and I should have known that because they print that fact on the glass doors of the entrance. I asked why they were charging me 10% of the amount of the check. I was told that there is always a $6 fee on business accounts.

If it was possible, I wouldn't even give them one star. My first bad experience was when I lost a wallet which someone had found and handed into Bank of America because I had a BA visa card in the wallet. The lady who handed in the wallet had also wrote a letter confirming that she is handing the wallet to the bank along with the information of the banker she is giving it to. The letter also says that the bank has confirmed to return the wallet back to its (me) owner. The lovely lady who takes my wallet in has the 2 copies of the letter stamped to post one to the address on the Driving license I had in the wallet and the other copy for herself.