Bank of America Reviews

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

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

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

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

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

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

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

I would give a zero rating if possible. Bank of America is by far, hands down the worst financial institution I have done business with. Frankly I don't trust Bank of America with my money. Simple everyday tasks such as paying for groceries, when the funds are available in my account, ready to use and should be easily accessible, are complicated AF! As soon as I get my debit/atm cards in the mail I'm withdrawing all my funds and don't give AF what happens to the account when it closes because I guarantee you I WILL NOT be coming back. If this is how they do business with their customers, the institution will not last much longer. Furthermore, Bank of America seems to not care that I'm in a unique situation, meaning there is no physical locations anywhere close to me in the state I live in. The nearest bank is an hour away.

I am writing to formally report a deeply disturbing pattern of behavior regarding the manager, Elzora, at this location. As a loyal customer of over 40 years, I am appalled to witness her continuously harass and humiliate senior and disabled customers.Instead of addressing her history of poor customer relations—which led to her transfer from the St. Charles branch due to similar complaints—this company is enabling her to target our most vulnerable community members. I urge corporate leadership to immediately pull the security footage and launch a full investigation into her conduct on July 20, 2026, at 4:45 PM. How this behavior is allowed to continue is unacceptable, and I expect a prompt explanation of the actions taken to rectify this situation.

Worse bank to deal with, and now they partner with Zelle and the customer service is worse. Fraud claims are never actually investigated. Customer service will tell you one thing and do another. I recently was scammed out of $500.00 Zelle assured me they could dispute it and I would be able to show my proof I was scammed. Nope. They allowed the person to continue scamming and stealing people's money. I would not recommend this bank to anyone. There is no protection as their customer.

Encouraged to open a CC with a first year bonus of 3% plus a 3% first year category of my choice. Total 6% on internet purchases. Al other purchases 1%. Folks I get 1% and that's it. They just don't reward period.

I am extremely disappointed with Bank of America’s customer service. I have been trying for two weeks to obtain information about my bank accounts for a legal matter, and despite calling every day, my issue remains completely unresolved. Each time I call, I spend 30 to 45 minutes on hold or speaking with representatives who are unable to provide any answers or solutions. To make matters worse, when I finally asked to speak with a manager, the call was disconnected. This level of customer service is unacceptable.

I just called customer service for 3 bogus charges on my Bank of America debit card and the lady who I spoke to was amazing, very professional and helpful and very nice. She was able to resolve the issues fast and efficient. Thank you. Sincerely Steven **

I been Bank America customer for 40 years. Unfortunately happen to me I was SCAMMED for a very large amount of money... There was several unauthorized charges made by scammers from my checking account. To my surprise, I received a letter from BOA that my account is closed and will never be able to reopen my account again. I was totally shocked; after all these years being customer, instead helping me in this absolutely devastating time. No explanation why such a decision was made. I am very disappointed with this Organization.... I tried to call customer service; no one would tell me why they did that. Some of the associates were not very friendly with me as well.

I had a fantastic experience with Smriti ** at Bank of America, Herndon Parkway branch. She was so professional, knowledgeable, and incredibly patient, taking the time to explain everything clearly. She made a complex process feel seamless and stress-free. I highly recommend her for anyone who want an easy banking!

I wasted hours trying to solve a simple mistake BofA made. Unapologetically poor service, ridiculously bad phone support and disagreement between the branch and the main customer support made me decide to switch to a different bank. I encourage you to not deposit your money into this frankensystem.

Going to change banks due to a claim I made. They are saying I made a charge. I know that I did not. They are going to take the money plus any fees for investigating the claim. I am going to close all of my accounts and bank with someone else. I feel as though they are calling me a liar.

I have a Credit Card with Bank of America. 99% of the time, I stay home and manage it online. Once in a while, a problem comes up, and I need to walk into a building and straighten things out. That was my situation. Walked into the Bank of America building in Frandor Center, Lansing, MI. It was my lucky day. No crowd, and some very friendly people asked how they could help me. Twenty minutes later, everything was taken care of by experts who knew what phone numbers to call. In a perfect world, this is how banking works. Recommend them? Oh yes. Every bank can offer a Credit Card. Bank of America offers a card, plus "backup", in case a problem comes up. Special Thanks to Colleen and Michelle, the dynamic duo of the Frandor bank.

This review is for my multiple visits for the Cerritos Mall branch of BofA. Prior to my visit, I always made appointments to ensure I don’t have to wait. Each time (at least 3 times) in the past 6 months, I had to wait a long time just to check in since there’s only 1 person at the front, in addition, wait another 30 minutes for my appointment. What’s the point of appointments if they can’t keep them?

Predictably horrible bank, no concern AT ALL for customers, it's all just about greed. They're up to something with the new rewards program - there's at least one deliberately dishonest bait-and-switch mechanism involved. If you dig around enough... you'll find "Checking accounts may have a monthly maintenance fee if waiver requirements aren’t met." But of course the "waiver requirements" don't exist anywhere customers can find them. So BoA wants its commodities - er, uh, customers... to sign up for recurring charges by BoA without being aware of those charges. Really it's outright theft more than it's bait-and-switch... Almost an hour & 3 calls later I'm waiting on another callback after being hung up on by the system. Got the call back again - they simply do not know what the waiver requirements are.

No damn good. Don't go there. I'm changing Banks what sucks? Really sucks. Really sucks.

Stay away from this Corporation. I was a cardholder for over 25 years with 50,000 line of credit. I made two Zelle transactions, each for 500 dollars, two weeks ago. I have been trying to cancel them since the very moment I made them. I have been put on hold, transferred, put on hold for hours. Their chat options is the same total non-functioning. I canceled mine today. They have set up a dispute with the company I sent the money. They never got the money, so why is there a dispute? They didn't do anything, and they haven't been paid.

They won't change a bill into quarters unless you are an account holder. "But... You're a BANK."

I have been a Bank of America customer for over 20 years, and my experience has continued to get worse. I've been trying to remove my name from a minor account for a long time. Because the account was opened when one of the account holders was a minor, both of us have been told we need to appear together. The problem is that the other person lives out of town in an area where there isn't a Bank of America nearby. We've made several attempts to resolve this, and customer service, along with employees at other Bank of America branches, told us that both account holders could come into a branch together to complete the process.

My experience with Bank of America was horrible and disappointing. After banking with them for almost 8 years, they decided to close all of my accounts. No explanation given, and on top of that keep 696.18 on one of the accounts and 1,870 on another account. I am sick and on disability and they don’t care. They are saying they the accounts won’t be close until the end on August, do not open a bank account with Bank of America. They are deceiving and horrible at explaining or facing their customers, I wouldn’t want to go through what I am going through.

Wasting time waiting for customer service. Been on hold for over 50 minutes and waiting. This is not the first time that this has happened. This level of customer service is making me reconsider who I bank with.

I have now been on hold with the customer service department for 45 minutes. A check that I wrote cleared with an incorrect amount of money. I can't believe it is almost impossible to speak with someone.

Hello. Can someone please help. This bank is hold my Social Security check since 6/29/2026. I went to two banks in Philadelphia trying to get this bank to send my SSI check back to SSA so I can get my check to feed my family. At both locations I was told that there was nothing that can be done about my SSI check because it's in a close account. So after I came in to a bank on 40th and Walnut Street and 16th JFK in Philadelphia both managers told me that there was nothing that they could do. My check has been sitting in this bank 5 days now going on six and no one from this company seems to care about resolving this matter.

They asked me to apply for a small business credit card with a FICO score of 830, they use AI to figure out your ethnicity. If you are an immigrant and **, forget about doing any business with them. They believe in ** supremacy and **. Very bad organization. In this day and age.

Because it takes 5 days for BOA to issue a "release of lien letter" I expedite my papers. Unable to transfer my plates or even get a temp tag. After many wasted hours, BOA was unable to. 5 DAYS BEFORE I CAN DRIVE MY NEW CAR!!!! Expedite my paperwork. I could not even get a temp tag which means I have to wait five days to drive my new car! I'm 84 years old and have never been treated in this manner by any lending institution. THIS IS ABSURD!

Terrible customer service and attitude at the BOA on Bee Caves Rd. In Austin, Texas. If they hate their customers so much, why are the doors unlocked? Lol. Manager is running off business left and right, according to other reviews. Took 20 minutes to cash a check. Very rude staff. Go elsewhere!!

I just want to start saying reviews are 1.7 stars? Now I know why I am getting ripped by your bank. On February this year I received a letter by mail offering 2 checking accounts with bonus, first business checking depositing 20000 you will received 750 after 90 days of holding the money into the account. Second personal checking with 10000 you will received 500 same deal. In May I did received the bonus from the business checking but not the personal. I went to the bank and I spoke with the banker who open the account for me and told me at that time that all I need is keep the money for 90 days in both accounts. She call I don’t know who with me present and they told her that I did not qualify for the bonus, because I need to do 2 direct deposits.

I am currently homeless because BOA has mismanaged the mortgage process. They abruptly cancelled my closing, and no one is responsive to emails or calls. I am a senior citizen, stranded in a truck with all my belongings because the underwriters and the mortgage representatives couldn't get their act together on schedule. I AM LIVING A NIGHTMARE because of BOA's incompetence. They are too big and disjointed to care. Run from this bank.

Why does it take so long for customer service. I have been on hold over 40 minutes and still patiently waiting, Please ask BAC to hire more reps instead of wasting our money on other non customer orientated entities or items. I am seriously contemplating movig to another financial institution. This is ridiculous!! It happens all the time!! If you try to use the call back feature that is a joke. BAC might call you back the same day if you're lucky. BAC please improve your wait times & customer service.

Warning: Disorganized, Rude, and Algorithm-Driven! I am writing this to expose the completely unprofessional behavior of this bank. When calling their customer service line, the representatives were extremely rude, impatient, and clearly uninformed about basic procedures. Worse yet, during the call, they actually admitted that client negotiation terms and decisions can change "every single day."

Absolutely horrendous bank - the worst service I have ever had to deal with. Do not recommend to anyone. Their customer service number hell is truly a nightmare. Impossible to get around their automated nonsense and get to a human. It asks for so much information and starts offering options you did not call for and keeps you trapped in a loop it created.

I am writing this to expose the completely unprofessional behavior of this bank to my client. When calling their customer service line, the representatives were extremely rude, impatient, and clearly uninformed about basic procedures. Worse yet, during the call, they actually admitted that client negotiation terms and decisions can change "every single day." This essentially confirms that they are not looking at your personal financial profile or treating you like a human being. Instead, they are manipulating negotiations and decisions based on daily computer algorithms. This bank is a total sham. They change the rules whenever it suits them, and their staff has zero clue how to help. Save yourself the headache and take your business to a bank that actually values its customers.

Worst bank ever time to go to any credit union. Bye-bye.

Had to pay movers. My card declined, although had plenty of money. Total over $100k, but BofA cancelled my accounts for days, left me unable to function. Was passed to four people BofA on phone and is day two and still no access to my accounts. Treated me like I was a criminal. After decades as a customer, I’ve finally had enough.

HORRIBLE! Fraud hit my account and Bank of America is requiring me to pay it! UNACCEPTABLE! How dare you! Didn't ask me any questions, didn't care that the company has fraudulent reviews across all websites, didn't care that I never placed any order with this fraudulent company and they are requiring me to pay for it! Never heard from "customer service," wrote letters, they never answered. Their claims department closes at 2pm PST - ? Never returned my calls. Won't allow me to further dispute it. They don't care about their customers nor about protecting your funds at all!!!! FAIL FAIL FAIL! I'm pulling all my accounts, family's accts, business accts - F this bank! Complete and total failure - useless!

I happened to meet BOA Relationship officer, Hema ** to renew my bank CD deposit on 06/16/2016. Her service was excellent. She explained me in simple, point oriented and efficiently. She did perfect without wasting time or not making me to wait. I am glad to appreciate her best service.

This is the worse bank to do business with! I applied for an account on 29th of May and I still haven’t received my debit card and they lied about when my funds will be available.

BOA is absolutely terrible!!! We have been using them for the last 6 months for our small-business checking account, and they routinely place 12+ day holds on our checks. There is nothing unusual about the checks we deposit, as we have a construction company and most are in a similar range. If you call their "customer service" to try and get the check cleared faster, they WILL NOT help you. They absolutely do not care about their customers. (Because they have so many worldwide- why would they?!) I don't understand the point of even hiring customer service reps when they can't actually help you with anything.

After 20 plus years. I have had enough. They literally cannot even notarize a document.

My husband and I are in the hectic process of purchasing our first home. I came in a bit of a panic regarding a statement I needed to give to our lender. Nick ** at the Orland Park, IL branch is absolutely fantastic. He assisted me with not only procuring the document required, but also resetting my online banking app info, activing my debit card, etc. Nick made sure to follow up with me after a couple of days to make sure that I was able to receive additional documentation I requested his assistance with. Little things like this can mean so much to someone with a lot going on. He is an asset to BofA.

Angelina from nevada was so helpful with helping me order a new card.

Bank glitches that cause customer fees!? Almost $4,000 in overbilling? Simple math that 5 hours of customer service could not comprehend? Waiting to speak to someone who can “help me” and being disconnected. Can’t wait to pay this albatross off and find sane banking.

Fraud Department entitled themselves to close my debit card when they found a suspicious activity instead of simply blocking the activity. They left me without the ability to manage my account and request cash advances I normally do to pay incoming bills and more. Now bills are piling up and Bank of America illegally charge overdraft after not allowing me to pay my piling up bills, no food for me and my animals, no way to get cash advance to buy medicines. It is totally abusive to a senior person of 61 years old, like me, and the working class I represent.

I had an Alaska Airlines Bank of America credit card to be used while I travel during the summer 2025. Knowing I would not be home to receive my bills, I signed up for AUTOPAY to ensure my credit card bill would be paid. I told the reps several times that I DO NOT do online banking. I had on four different occasions prior to traveling a B of A representative assure me that I was signed up for AUTOPAY and not to worry and enjoy my vacation travels. Then, in the middle of my travels (June 2025), I received a phone call from B of A Collections Dept saying my bill has not been paid. I asked, “How can that be, as I am signed up for AUTOPAY?” The rep said I have no AUTOPAY on my account.

Can't get through automated hell phone system! Can't contact fraud dep't second time in a month, this happened. Attempted fraud on account. Can't get a human. Deplorable. People can get scammed and no help, just automated hell.

In 2009, Bank of America foreclosed on my home at ** using a void foreclosure judgment entered in the name of LaSalle Bank National Association — a bank that had been absorbed by Bank of America eleven months before the judgment was entered. The assignment of mortgage used to foreclose was signed by Aames Funding Corporation — a corporation that had dissolved 17 months before execution — confirmed by California Secretary of State records and Florida Division of Corporations records.

I want to cancel my credit card as there are few recurring payments that I am not able to cancel from the merchant side. I called the customer care and asked to cancel the card. They cancelled it. I assumed there will be no transactions on my card. But after a month, when I checked all the payments went through as scheduled. When I called customer care, they said even though I canceled the card, the payments will go and has to be canceled from merchant. Not both merchant and Bank of America, both not allowing me to cancel the payments. What other way i have? So Bank of America made sure I don't have control over my money. Just ridiculous. Can anyone suggest the best way to close the account with Bank of America. I doubt even if I close the account, they silently change in the background.

This financial Institution of New Jersey, Businessmen like Bank of America have a physical presence in the Garden State first and foremost the U.S. veterans, customers. HIGH LEVELS OF TRUST AND SATISFACTION!!

I've been waiting to speak with a customer service agent for 54 minutes. Seriously? A bank with the resources of BofA can't connect you with a human representative within an hour? I've been banking with BofA since 1981 and have RARELY requested to speak with customer service via phone. This will be my last phone call to BofA. A call that initially began as a relatively simple inquiry, has now become a call to cancel my accounts. My next call with be to Schwab to sell my BofA stock. Ciao.

Bank of America is a highway robber. I deposited a personal check from another US Bank and the bank is "Holding" my funds for 9 days and not giving me a reason why. The funds already cleared my other bank and I am unable to access even a dime from Bank of America.

I have been banking with them for 20 years. I got an account at 16 years old. I have had some issues in the past and should have left long ago, but I was lazy. I recently lost my job and had to take money from my 401k (voya). I deposited this check and Bank of America claims it shows signs of insufficient funds and will not release any amount of my much needed money. I'm closing this account the second they release it. I sat on the phone for 3 hours and 20 minutes, after offering to call voya or get any information they needed to confirm this they are unwilling to help in any way. Then I said a few bad words (not name calling or referring to them in anyway) after 3 hours and 20 minutes and they ended the call like I was a child telling me I can't cuss!

Representative on the phone was great. But the 40 min wait time was ridiculous and during that wait time a transfer went through that I was trying to block/stop. So now have to wait 45 days to see if they will refund the money. Which I doubt now that it went through. But if they had answered when I called it would have been simple. If wait times are always going to be this long hire more employees. People need jobs and we need access to our financial institution. This is how it goes whenever I call. Wait way too long. But as I said the representative was awesome.

I just received an email from Bank of America saying that they had made one of my larger payments by check when it was supposed to be done electronically. So they're telling me I need to cover my payment just in case it gets there earlier than the day I had expected it to be paid. I use Bank of America because of the bill pay option, and if it's no longer working for me, I don't consider the bank working for me either. Obviously, it was an employee mistake, but I can't afford their mistakes! Or maybe they're just trying to set it up where I'll have to pay an overdraft fee and maybe even a fee for the payment being late. I am very upset!

Worst banking institution in the USA. Have you hanging ready to close on a Heloc. Then to tell you that we don’t qualify. The problem is that it gets handle thru a bunch of people. And, after it’s all said and done they come back and say: The typical Corp. America crap. <br /> Apparently there was an oversight Sir. We apologize.

I just had such a pleasant customer service call with Bank of America! I’m a new customer, and I called the main line with a few questions about setting up my mobile account as well as ways to expedite the card arrival. The person who answered said she was “Aaliyah out of Virginia.” (May have spelled her name differently.) She was efficient, kind, human, and helped me with multiple questions quickly and positively. One of best customer service interactions I’ve had in a long time! Thanks, Aaliyah! Shout out to you! I hope somehow this gets back to you!

After reviewing my credit report, I came across an account opened without my knowledge in a different name and address. I spent over an hour speaking to many people from bank of America and was told to go to a local branch to discuss this further and request a letter stating this account didn't exist. I went to the new Springfield, MA branch and they were not helpful. They refused to write a letter stating they couldn't. After much research I discovered Bank of America has quite a reputation on opening fraudulent accounts. BE AWARE OF BANK OF AMERICA. They are not looking out for the people. I gave 1 star because I couldn't give 0. Don't bank with this company!!

Bank of America I have been with them for quite some time now but this last transaction that happened they close my account due to the fact a payment was invalid, not knowing that the check was invalid so they decided to close my account without any type of notification so when I call the customer service number I talked to A Priscilla. Priscilla proceeds to mishandle me as a consumer, did not want to address my concern or issue as if she did not want to even learn about what was going on nevertheless.

I set up a checking account online a month ago. I received a debit card and was able to view the account online as well as through the app. I was able to set up direct deposit with no problem. Unfortunately, I also set up ACH payments. However, when the payments went through, they were declined. I went to a local bank and was told that there was some kind of fraud and that the account was changed to credit only. I was never notified of any of this. I have spent the morning trying to pay the bills that they refused to pay and are now past due. I checked the account this morning and it was showing a zero balance. I called customer service and was told by Alfred that the bank chose to close my account without contacting me about any of the issues.

The Security Department saved us nearly 1,000.00 by flagging a Zelle Transaction. It turns out the seller was fraudulent and we surely would have lost the money if not for the diligence of Bank of America's Security Department. Heartfelt thanks for the job you do. We are so grateful to have you on our team. Thanks again!!

I deposited a check on Friday at 7:30 pm and I won’t be able to get anything out of that check until Tuesday which is ridiculous. Chase and TDBank at least gives you half of the check until Tuesday which. I am probably going to close this account and stick to Chase and TDBank because Bank of America will have you starve before you get your money.

Our family recently arrived in the United States, and navigating the financial system in a new country can be incredibly overwhelming. We walked into the Gaithersburg branch on a Saturday, just our second day in the country, and were immediately greeted with incredible warmth by the branch manager, Sharon. She was professional, highly welcoming, and completely calmed our nerves. She clearly explained all the documentation and requirements we would need to open our accounts and set up an appointment for us the following Monday.

I went to Bank of America for a HELOC loan. They had me submit a whole bunch of documents (taxes, paystubs, etc) just to turn around and decline me because they say my debt-to-income ratio was too high, even though my credit score is 780, and the loan is supposed to be secured by the home equity. This was a complete waste of time. I see why this bank has such a bad rating.

I set up a baby savings account for my daughter, hint savings!!! You forced to close her account by pretending to charge us fees, never told me you were closing it for inactivity, never told us, I would of closed it first. I want her money back in there so we can take it out and close it ourselves!!!!

One of the worst customer services, it seems they are short of staff. I’ve called the Fraud Department, from overseas, and I had to wait for 30 minutes to talk to someone. And after the conversation ended the issues was not fixed.

So, I was assigned to Mrs. ** to open up my new bank account at BofA. She was really helpful and interactive with me. The process was really smoother and fast. She didn't do any kind of delay and helped me to set up everything required for a student. Thank you so much for your service, ma'am.

Very hard to even get to a human. When I finally navigated their questions and was transferred to a person, I waited 15 minutes and got to listen to "deals" the entire time. When I got an agent, he didn't seem to know the answer to my question and hung up on me. The second time I called, it took about 45 minutes to connect to a human, giving me the time to listen to "deals" repetitively the entire time, and the person couldn't help me. She switched me to another department. The agents' knowledge seems very siloed, so they cannot answer what would seem like a simple question.

I overpaid my credit card because their website is not user friendly - I called customer service and they said they would refund me the money to my bank account. On 4/9 they refunded 1 payment. Then the crooks took out 2 more payments which I never authorized. I had to contact the Office of the Comptroller of the Currency which monitors all banks. They had some dumb ** Anna ** contact me with the personality of a toad. I contacted my bank and disputed the charges and they put it back. This is one crooked bank

I was notified the a TransUnion that I have late payment reported while no letter/phone call from BAC. The worst company I have ever crossed path with.

Title: Extremely Frustrating Online Banking Changes — Long‑Time Customer Considering Leaving. I have been a Bank of America customer for decades, and until recently, online banking worked reliably. For over 30 years, I used Quicken with zero issues — I could download my transactions directly from BofA and update all my accounts in minutes. Around October 2025, BofA changed its system and completely broke this functionality. I suddenly could no longer download my transactions. I later learned that BofA now requires a new authorization method that constantly fails. I had to pay $2,049.99 to outside Quicken support just to get the connection working again.

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

Angelia ** is a great help. She showed me offers I didn't know were available to me, and gave me all the options I had for a new checking account. She was calm, respectful, and understanding! If I were working with someone at a bank, I would want it to be her. Thank you Angelia!

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

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

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

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

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

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

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

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

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

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

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

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

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

I am commenting on the excellent customer service I received from Kate in the fraud department. After reviewing my recent transactions, something came up I did not recognize, so of course they have to cancel my card. Well I was at the gas station and I really needed gas and told her this. She was able to allow a one time purchase by reinstating the card and she did this because it was after 6 I could not get to the bank. To make a long story short, Kate fixed my card for one time and waived the fee to have my new card sent faster. She and I were on the phone 45 minutes working this through. I have not experienced this kind of service from anyone, and am very grateful for her help. And this was the fraud department, mind you, where I am sure they must get tired of us, right?

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

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

POSITIVE REVIEW! Hello! I want to leave a positive comment/review for an employee that helped me tonight. I was hoping to receive a survey to leave a review, but one hasn’t come in yet. My name is Stacie **. I live in Texas. I was helped on the phone by a rep named Nick who lives in upstate NY around the Utica area with an upstate NY accent!

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

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

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

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

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

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

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

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

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

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

I had an exceptional experience with Uman ** at the Bank of America Northborough branch during a very difficult time following my wife’s passing. Uman provided outstanding customer service and guided me patiently through the process of consolidating her accounts into our existing joint account. He gave clear direction regarding fund transfers, explained each step in detail, and ensured everything was handled accurately and efficiently.

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

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

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

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

I’ve been with BofA since 1993 or earlier, and I’ve never dealt with such rude people at any branch. Four different employees confronted me. I was told I needed two forms of photo ID or my phone and an ID. I brought my passport and current driver’s license after I went home a second time to get the other ID that was requested but was then told I needed a phone to get a code—after they’d said two IDs were enough. I believe they could have helped me out at the branch to get a code but was unwilling to help. I’ve had over $225,000 in my accounts before, and that day I deposited $95,000 but wasn’t allowed to withdraw from savings. Frustrated, I went home and did it online.

I had a appointment to see Hawraa ** assistant vice president senior banker and the appointment was on time. She was very kind and courteous, very knowledgeable about Bank of America services and out of a 1 to 10 I will give her a 15. I would recommend Bank of America to friends and family. She helped me with setting up a CD account and upgrading my credit card.

Horrible!! I don’t know why anyone would bank here!! BOA charges high fees on everything and refuse to do basic services. After my divorce, I had a large sum of money. They held it for a whole month and refused to give me any funds. All the while keeping my money. I took my cash out as soon as I could! That was 15 years ago. I received a check for $100 today from a business written on a BOA checking account. Went to BOA. Long lines and only one person working at the teller. I finally make it to the window, and they were going to charge me $8 because I didn’t bank there. It was written on their bank!!!! Horrible!! And girl with push-up bra and low top only one working. GROSS!!

I have been a Bank of America customer for 10 years. I have been dealt with by BOA like many others seemingly have been…like a number. BOA offers many services, all designed to make money. I have never felt like BOA has my best interests in mind. At every level of their business, making money is always their only priority. My frustration with BOA has grown to a level that I actually want to leave this company. However, my years of banking with BOA outweighs my absolute displeasure with them. BOA never fails to charge me for their simplest service, yet when they are liable for their mistakes, it becomes a long, drawn out “legal process.” I hope that voicing my frustration on this review serves as notice to anyone contemplating banking with BOA. Exhaust all of your options before making the bad decision that I made years ago.

Bank of America is a toxic, horrible place to bank. Avoid at all costs. I closed my account 3 years ago. An item I purchased online was refunded and rather than refuse the refund, they accepted it. Even though the account has closed. Now, they have said they were sending me a check (they did not) and that they were refunding it to my checking account (they did not). That was in November. I called now and they won't even pull up my account because they cannot send me a text message. My phone is on and active, their system is having a problem. I escalated to a manager and they said that if the system doesn't pass security I can either go to a branch or I can call back later. What a horrible experience. You keep my money, and then when your system fails, I have to take more of my time to fix it. What a joke. Go anywhere else. Avoid this trash institute.

I would give negative stars if I could. I have been trying to get a fraud claim resolved for over a month, and I've had to reopen it three separate times. The second time, my account was randomly debited for the temporary credit before the investigation was even complete. I have called numerous times, only for the call to be disconnected after 30 minutes. When I requested to speak with a manager, I was told I couldn't be transferred and would need to wait 1-3 business days for a call back. When a manager did finally call back, they let it ring once and hung up. This has been extremely frustrating and unacceptable experience, especially when dealing with something as serious as fraud. I need this issue properly resolved and expect better communication and accountability moving forward.

For the 5th or 6thtime the BoA blocked my funds transfer. Every time I had to call, every time I waited for about an hour for a human to answer. Every time the rep unblocks me, then the nexttime I get blocked again. Dealing with the bank is super time consuming and frustrating. I want to leave them but there are so many CCs are on automaric transfer. I hate the bank. Why cannot the board fire the management team and install somebody who thinks customers are worth a good service?

Been a customer 40 yrs w/ BOA. Paid my Medicare through bill pay on 3/11/2026. Instead of 226 they deducted 2,226. The next day I see the overdraft. BOA assures me I entered it incorrectly, I never in 40 yrs... Both parties stated it will be returned since it made me overdraw. Told me not put any money in the bank.(Nothing about how overdraft protection would affect the transaction) and this was a specialist. Both parties said wait till Mon or Tue or up to 5 days. They processed it anyway the very next day, Sat. 3/12 over the weekend. It was a done deal while while I was on the phone, both Medicare and BOA lied about the process. Monday, BOA states, "You had overdraft protection which allowed Medicare to get it." Wow. It was already taken while BOa said wait till next week. Give it 5 days.

I will never Bank with you. I stopped by to cash a check. Two people at counter. Three customers ahead of me. I waited in line for 25 minutes while workers **. Wow. I finally get up there to cash my check and was told it was too much and they wouldn't cash it. The check was from Voya, and they bank with you. I was going to open an account. Not a chance in hell now. The guy helping me was condescending. Rude.

The worst Bank of America. I deposited a check that was promised to clear within two days. The computer generated deposit slip had the two day hold printed on it. This horrible bank decided to add five days to the hold. I lost the car I was desperately trying to buy because of the bank's long hold. Called the expedited hold operations and unfortunately it was an absolute sham. This bank prints fraudulent dates on deposit summary slips. This bank is fraudulent.

I bank at USAA, Capital One, and American Express and Boa is by far the hardest to bank with. I bank at Usaa, Capital One, and American Express and Boa is by far the hardest to bank with. I bank at Usaa, Capital One, and American Express and Boa is by far the hardest to bank with.

This is the problem: You cannot reach a human employee. When you finally do, they do not accomplish the task you set out for them. When you try again, they apologize and fail to accomplish the task AGAIN. I welcome the end of western democracy if it means their executives will hang from gallows at the end of bloody revolution. Garbage company. Would not recommend to my worst enemy.

I have been a customer with Bank of America for over 19 years. In that time I’ve had quite a few large checks to deposit, both regular and cashiers checks. The cashiers check is guaranteed by the bank so this time I expected that my funds would be available maybe in the next day. Instead, I am informed via email after my deposit that they will be holding the check for seven days my sister paid extra for this check as do we all when we buy a cashiers check. Once the deposit clears, I will be closing all of my account accounts for this is the last mistake. I am willing to deal with from them. I have been through many problems with Bank of America in my 19 years, at one point a large sum of money was deposited and the manager of the bank without speaking to me changed my checking accounts type. I lost a lot of money from that a banking fee fees, transaction fees, etc. I have had good and bad service at local branches. I’m done.

Bank of America received an ACH deposit to a new account I opened in October 2025. Then BofA closed the account and refuses to return my funds in the amount of over $13,000. I cannot contact anyone who knows how to help me. I have contacted the CEO with no response. Bank of America has basically stolen from me. I should receive my funds plus interest.

Preferred customer hung up on 3 different times (over 2 hours with waiting time). No information was given that I couldn't have found myself online. The best was being referred to Erica to help answer my questions. Will be changing Banks!!!

Bank of America is a leech. Their custom payment plans on their credit cards are a fraud. They tout it as interest free, but then charge you a fee that is higher than what you would have paid in interest. And you cannot cancel it. You are locked in to the fees.

I use BOA online often. They keep changing the app. so that sometimes I can’t even find the log in. Now unless I pay a bill on the same day I receive it, I don’t get a confirmation until the date I choose later. Also, the confirmations all come in lower case. What happened to upper case, which is easier to read and write? Finally my BOA on skeet club rd. High Point NC eliminated the drive up window. Some service?

I'm so fed up with Bank of America! A decade ago they could get their paper statements to people about 8 days after the billing period; now it's at least 15 days. I can't do my monthly bookkeeping until after the middle of the next month. This is too big of a company to be that incompetent.

Seems to me that when you have a closing date after a due date that you are just trying to rip people off. That is what happened to me when I called to dispute a finance charge after I paid off my bill on the due date they saw fit to charge me interest on my payment 3 days after the due date. Very underhanded. You can never pay off the card because you are always waiting for an interest charge and even when you pay it off on the due date. Not good business.

I'm retired with a credit score of 795. I applied for a Allegiant cc which runs thru BofA. They put a review on it & got a voice mail after a week. I called, waited on hold, transferred 3 times &finally told them I've never had a problem with credit & after 42 minutes asking for repeated questions that they can keep their crappy cc. Go figure.

I signed up through Allegiant. STAY AWAY from BoA. They will not reimburse for luggage or seat EVEN though flight ins. paid for and canceled flight 40 days prior to scheduled flight. They refuse to give money back. MANY MANY LEGIT CREDIT CARD COMPANIES. DON'T USE BANK OF AMERICA.

I submitted a claim for monies to be returned to my bank account over 1 month ago and nothing has been returned. My claim has been researching for weeks, I informed them that the merchant did not issue a refund after I had paid my full rent, it’s my money that I worked hard for and as my bank for 3 years now and this is how they treat their customers and the manager at the Mesquite, Tx branch was very rude and unconcerned, waited for hours for assistance and still nothing got resolved.

Yesterday morning at the Bank of America Sandy Springs branch, the staff took great care of us. I especially want to thank Zerrick ** for his help and excellent service. We really appreciate the support he gave us.

Incredibly incompetent and customer-unfriendly organization. I was locked out of online access to my credit card and after holding the phone for almost 2 hours, was told to physically go to a bank which I did, spent a whole afternoon (more than 3 hours) with the manager who was put on hold with the fraud dept just as I was after being transferred 3 different times and the issue wasn’t resolved still. I was told to come back the next day!! Unbelievably frustrating and horrible experience.

For more than 25 years we have had decent service. During the past several contacts we have had difficulty getting a live human being on the phone and the online app has also become something of a nightmare. You might also notice the CC account balance always tells you your balance owed INCLUDES your actual monthly account balance PLUS all new charges. We are getting ready to make a move to a new financial institution that might value our business and provide a decent level of service. No one at BOA seems to give a rat's a... about service. We ask to speak with a manager during a recent call and were told our problems would be escalated and someone would call us back in 24-48 hours. WTF???

A recent experience at Bank of America is still so very disappointing. I have been a customer for a very long time. Recently I was shorted $20 on an ATM withdrawal. I went into the bank and asked them to provide the shortage. They apparently did not believe me and treated me like I was a thief. Today the additional $20 showed up as credit to my account. I think they should have given me a provisional credit. If they cannot trust me with $20, why should I trust them with my funds. I have spoken with several associates and think they owe me an apology.

This bank is absolutely horrible. If you find a way to clean drug money in the Caribbean and seek to move it into the US banking system after being investigated by EVERY agency from IMF to CIA to Interpol, these people shall continue to give you the run around even if you had an account with them for 30 years. Which is why I have moved $100 million into Charles Schwab as a business loan that originates from my Antiguian company CDS Consulting Group that raises its capital thru investor loans. No income means no taxes under the US tax code and ALL $100 million is a LOAN. I am declaring in writing a review in this pathetic ** bank and saying catch me if you can crackas.

I do not recommend that anyone use this branch. Let me start with today's experience: I had an appointment at 9 am. Everyone, including all workers and the manager, was on site when I arrived, and they said they didn't open until 10 am. They did not shovel their pathway. I slipped and need surgery, with a shattered kneecap. Furthermore, I told the manager through the glass door, and all she could do was give me a chair after yelling because she said no. I had to fight her for it, and I sat out in the snow for an hour. Over 12 members like myself had the same issue. Zero call or notice that they had delayed opening. Everyone, including management, should be fired asap. Opened a bank account last week.

Lucy from Arkansas was disgusting. She didn’t want to hear me out. She was pretty dismissive and transferred me while I was speaking. She wasn’t trying to level with me or understand where I’m coming from. Every time I call Bank of America something happens.

I've had Bank of America for over 6 years and never had an issue with anything. When they thought something was wrong with my account they would always alert me and I would call and go through my transactions with them. Well this time they didn't. There was a counterfeit check that tried to come through and instead of notifying me, they close my accounts completely and I get paid today. I cannot access my account or even go into a branch and get my money. It could take weeks or months before they refund my money back to me.

I joined Bank of America online as an authorized user under my fiancee's primary account. It's been a positive experience thus far. Their website is easy to navigate. I do wish they had bank offices in Wisconsin though in the event it was necessary to be required to go to one of their offices, since I have disabilities that make long distance travel not possible for me.

What would be nice is if you're going to close banks then add some more ATM machines. Town of Tewksbury has 2 atm machines and half the time it’s out of cash. So nice doing business with you. If I upload a picture it would be an ATM OUT OF CASH.

The most annoying useless bank I ever had in my life living in many different countries. Card not working, you call customer service, they redirect you to any branch, you go to the branch, they ask you to call online. Most of the time the customer service line not working or the stupid auto answering machine. It was a huge mistake to have this bank, I already canceled all the direct deposits and learned my lesson.

Poor customer service. They charge you even when it's another company's fault that they keep charging you. They charged me 30 bucks for a stop payment that the rep didn't tell me about and they still haven't followed through on the other charges this company charged me on my account

Terrible service, mid call hang ups, no branch answers their phone and inside tellers are rude and cold. Customer service is the bottom of the barrel. 21 years and I have not had a good experience. I know these so called 5 stars are staff or paid posters. They need to clean it up from the top down.

Ashley **, our senior banker has it all. She is knowledgeable, professional, positive, always happy & dedicated to her customers. Every encounter with her is joyous. Because of her we now have all of our accounts are with Bank of America. Thank you, Ashley, for all that you do for us and all your customers. Keep shining.

Arianna ** at the Maricopa AZ branch of BOA is above outstanding at her job!! She is very helpful to someone who is technically challenged. I cannot thank her enough for helping me protect myself financially as I prepare to travel. We need more Ariannas in the workforce. Thank you!

I opened a no interest credit card to do some repairs on my home. In Sept I paid over 10K to pay it off. A week later I called to verify the balance was zero, then closed the account. 2 months later, BofA reported me 30 days late for $59 of unaccrued interest and tacked on late fees. I have never had a late payment in my entire life. When hoping the initial call I made would help, they admitted they don't actually record calls. They were useless and basically told me I shouldn't have listened to the BofA rep that told me the account was paid in full.

I don’t understand. I’m here Monday morning 1030 in the morning and they have no change to give at all - dimes, nickels, quarters, pennies, nothing. It is insane. We bank with these people as a business. We come to get changed for our stores and they have none and this is more often than not. A lot of of the times I drive 20 minutes to get change and they’re out of something always. They need to do better. Always bare minimum employees and lines. Customers deserve better.

First online banking account you have to go in person to a branch and verify your identity, I did go into a branch with a password and drivers license but the person should have opened a new account for me. Save your self a headache, there are plenty of banks out there, this one shouldn’t be on top of the list.

I have been a loyal Bank of America customer with no history of fraud or claims. When I deposited a third-party check—fully legitimate—they canceled my account, locked me out of mobile banking, and took my card—without any warning or chance to clarify. I had to reach out myself, calling several departments, only to be told I now must wait weeks for my money—far beyond what was promised. Bank of America should give customers a clear chance to clarify and prove legitimacy before taking such drastic steps. Instead, this left me in a difficult, costly position. Sadly, after this, I can no longer trust them, and they have lost me as a Customer. 9 out of 10 do not recommend.