Bank of America Reviews

The code Swift transfer service is crap, it's incredible, a xoom service, RIA, be faster, they are independent businesses, I needed a TRANSFER urgently, it arrives in 3 to 5 days, incredible, they are banks, crap, if it is cancelled it takes the same time as the TRANSFER, if you need a transfer urgently, do not use the Swift code, crap.

Bank of America just placed a 7 day hold on a cashier's check that I wrote for our contractor. Chase didn't do this for the first check that we wrote him and it was for a larger amount. Furthermore, for years, I have been fighting with Bank of America to close out one of my old accounts, but they refuse to let me close it out. I have a zero balance, I don't owe anyone any money and never used this account to pay bills. Customer service is rude and not helpful.

I have been with BOA for 25+ years. I would NOT recommend this bank or any of its services to anyone. They are fine taking your money, but god forbid you actually need to access anything that requires a person. They made me almost miss my home closing because no one ever answers their 'customer service' lines. No one ever answers when you call a local bank. I had to call to manage my CD (was not allowed to do it online) and they had me on hold for 72 minutes, no call back option offered. It's criminal to take people's money and then make contacting them impossible. If you walk in to a local location, they will turn you away if you did not already make an appointment. Btw the appointments are scarce and of course they have banker's hours.

YOU PEOPLE SUCK. I have been a loyal customer of BofA for over 15 years, and from the very beginning, refi'ing with you was one of the crappiest experiences of my life. Then you've lost not one not two but THREE OF MY CHECKS over the years - one of which was IN THE BRANCH - and I've been hit with late fees for situations which were NEVER my fault, they were YOUR FAULT, and you idiots refuse to reverse less than $50 in late fees because "they are too old". !!! Screw you people, you are forcing accumulating fees on me that I REFUSE TO PAY. Your customer service people are all robots who talk in boiler plate nonsense, and I will NEVER RECOMMEND YOUR RIDICULOUS BANK E V E R.

Please keep in mind starting this year 2024 The Bank of America will do anything to keep your money. My customer Zelled me 1k which hasn't applied to my account for over a month. It turned out the Bank of america just kept it until I disputed it (I haven't received any notification at all). I tried sending a zelle, the money was deducted from my account, but my customer never received it. After being on hold for almost 1 hr, nobody even tried to help me. I was given runaround.

I went to the bank and deposited a Life Insurance check. I specifically asked the teller and bank manager if there was going to be a hold on the check, I was told NO and it would be available the next day. I decided to check my bank account and lo and behold there’s a 7 day hold on my check. I called the customer service line and spoke to a “manager” and I put that in quotations because he was no damn manager. He informs me that the “robot” automated system is what placed a hold on MY check. The manager then tells me they are no able to call the bank or company that the check is with to confirm funds available.

On 6/9/2024 a call came in to our phone from Bank Of America's phone number (1800-432-1000) a person claiming to be a customer service representative asked us to verify some Zelle transactions we had made through Bank of America's mobile banking app. We verified a few that we had made, then were asked about a $2500 transaction. Which was $200 dollars less than our total balance in the account in question. Naturally we were panicked, we explained we did NOT make that transfer. They then asked us to verify security codes to our phone to ensure our protection. We doubled check the phone number and it was the same as on the back of our ATM cards. We had no reason to believe this was a scam.

The worst. They stole money from my account. 500 hundred a month for the last 6 years without my authority. And when I went there to see what happened they were lying that I gave them permission to take money. They said that I gave them approval by phone and I said no I didn't then they said that I came in person and signed an affidavit. When I asked them to provide that form they said they couldn't. And they don't even know where the money went. So I'm hiring an attorney for bank fraud. Worst bank ever.

I bank with them for years and I had a loss in income and they treated me uncaring, wouldn't waive fees, etc. I feel it's discrimination! I had money coming in. It was good, but going through a trail it just shows they happy with customers that has money!

I opened three legitimate business accounts with BOA that were closed less than 30 days after opening, with no clear reason. I understand banks aren't obligated to explain why they choose to close our accounts, but that is an unacceptable business practice and I am very unhappy with this company. Never again!

I was assisted by Sasha ** at the Harlem branch on 125th street, who is a superstar if I may say so myself! She broke down every detail down to the crumb for me to fully understand and appreciate. She made banking easy and opening an account a very fulfilling and relaxed experience! I would recommend this bank to anyone because of Sasha’s outstanding customer service and the products offered at BOA.

Bank of America is trash. It’s the worst bank ever. Never thought BoA could close down my account knowing that I have money in account. If you ever think about banking with don’t do it!!!! Been a customer since 2017. Do not think I would have problems with them now!!!!

Refused to honor an insurance settlement check that was drawn from the Bank of America. Unbelievable. I tried twice and got a different reason for rejection each time. Time to take my accounts elsewhere. 9150 Baltimore National Pike Ellicott City, MD 21042

Absolutely worst experience over the last 3 days! My mom and her long time partner had medical issues and needed to move money between accounts and send a Zelle payment. I logged onto the app to find out the best and quickest way to remove someone of an account. I was directed that I would have to go into the branch. I got my 89 year old mom over to our local branch and they said that both people on the account would have to be there to remove themself. That's impossible as her long time partner had to be sent to a memory care center for Alzheimer's and when he was diagnosed with it we were told that he no longer could sign legal documents.

After 5 years banking with BofA I’ll be switching to a small local bank. BofA made so much money off of me from credit card processing, credit cards, loans… And when I needed them the most they turned me down big time. Worst bank ever.

I brought in a paper check to deposit, there was a payroll issue and my company issued me a paper check for the difference. The check was 100% legitimate, and was accepted at the window, I was told finds would be available the following morning. The next day I attempted to open my account app to check the balance and I could not login. I was directed to reset my password and the app said my information did not match their system. My check had been flagged for suspicious behavior and Bank of America had closed my account. So at this point, I could not access my paycheck or do any business on the account at all because it was in closure.

The worse experience with a bank, the payment doesn’t show until next day and nothing shows during the weekend. They can lock your debit card for no reason and you can complain because no customer service will answer your calls especially if is the weekend.

I was scammed, they refunded my money, took it back. They do this all the time, withhold me debit purchases so they can take my money. I'm tired of it and I'm filing a formal theft of funds charge with the FCC and other agencies. I was scammed by that company and Bank of America charged me twice for it.

I have been a BoA client and customer for many years and the service(s) offered and provided are competitive and they meet all my financial needs. However, the Credit Card (CC) usage is a different issue. Recently, I vacationed in EU (GE) and discovered that my card (Preferred member) has been blocked and I had to use my other VISA (from another financial institution) to complete ALL my purchases.

I have a balance assist loan. The payment is due on 7/14. The payment processed on 7/12. Suddenly, the weekend matters? The associate could not fix it. She flippantly stated I might be charged an overdraft fee of $10, like I shouldn't be annoyed about it. Lousy customer service.

My son and I had a VERY long week after moving to the area just 2 days ago. We met with Grace today to open a couple of accounts and she made us feel right at home. So knowledgeable, caring and you can just tell she has a GENUINE passion to do her job! Keep doin' what you’re doin', Grace! Thank you!

A charge made through Bank of America has been disputed since 5/2024. A representative, Monique in Texas, told me that a check would be sent for $492.75 to my home via mail and should be received within 10 business days. I did not receive it. To this day, it never came. I called again and spoke to Adelpho, a supervisor, on 6/2024. He then took down my routing number and said he would transfer the funds to my bank. He proceeded to tell me that it would be within 10 business days! I questioned this and commented that a consumer can send another consumer money instantly through Zelle and other services, yet Bank of America would take up to 10 business days to transfer $492.75!?! He said that this is the process.

Bank of America sent me an alert concerning a suspicious transaction. I called them, provided a reference number, which meant nothing to the contact. They made several attempts to transfer me and I was disconnected after 25 minutes. I called the number on the back of my card and was disconnected again. When I finally got a representative we reviewed recent transactions, none of which were suspicious. They were going to review the alert to determine what prompted it. Because they could or would not state what generated the alert, I opted to continue the hold on the account until more information was available.

Worst bank ever. After almost 10 years of managing several accounts with this bank with impeccable record the bank screwed us over. Do not deal with this bank anymore. It's the worst bank under the current management. PLEASE DO YOURSELVES A FAVOR AND FIND A SMALLER BANK THAT PROVIDES PERSONAL SERVICE AND THANKS YOU FOR DOING BUSINESS WITH THEM. Bank of America is just plain arrogant from top to bottom.

I recently opened a new business checking account. When I went to pull some money out on Friday, the account was locked. It had asked me for a pin and I gave the pin they mailed me but it said it was wrong and locked me out. I called the number on the screen around 6:15 AM. I was trying to call before the grand baby woke because I was on babysitting duty. I was on hold for 45 min and after speaking to the first woman for 45 min, she couldn’t figure it out so she transferred me to someone else who transferred me to someone else who told me I had to call back to reestablish my identity. I called back and was on hold 45 min before a woman picked up and then told me I had to call another number.

Bank of America has currency exchange services. When you initiate the order you have a choice on the size of bills: large, medium, small. I always ask for small. I have NEVER received small currency. Each time they say "It depends on what we have in the till at the time." They are very fast at sending the money--often the next business day, but I would rather they take an extra day or two or three to fulfill my request accurately. I have concluded they do not have the ability to fulfill that request and are misrepresenting their currency exchange services. They need to change their process or change the description of those services. I would prefer they change the process, but am not confident they listen to customer feedback.

After 13 years have had enough! 3 phone calls (1st couldn't comprehend issue, 2nd didn't provide correct info) and now 4.5 hrs later, sitting a branch for over 30 minutes to get a replacement CC validated & activated! Moving ALL of my money out of here!

The loan department has no communication. While getting a loan, B of A would not work with my bank, Umpqua on getting a third party pay off for a line of credit. They canceled the loan application and did not tell me. When I called them they said if I paid off the line of credit with Umpqua then they could reopen the loan. There was a fraud charge on my line with Umpqua and it took them ten days to resolve.

This bank kept closing my debit card due to my purchases. FOR no reason. Every time, they would close it and say it was fraud. IT was never fraud. It was me trying to make purchases that they would decline many times upon my travels, even, when, I told them, I would be traveling. They closed my account while on vacation. I deposited a check without knowing this. The check was returned and I was told the account was closed. I take this check and reopen w my old bank - *less headaches. Days later, I get a message saying they made a mistake. They told me I could redeposit this 12,863 check - I told them, too late. I reopened w my old bank-.

I recently tried to close my Bank of America/Celebrity Cruises credit card account. It was a real pain as was using the card rewards. I had to make several phone calls (including 5minute hold times) and multiple emails to get the rewards points from the card to by Celebrity Cruise account. Worse yet, the cruise was horrible so I decided to close the card account. Dealing with Bank of America was a bad experience. I had a $7 balance on the card that was on autopay, but I wanted to pay it when I closed the account. BOA refused to use the autopay information to pay the bill; they lied and said they did not have it. So, I had to hunt for a check and read the routing and account numbers. Then, I had to listen to 10 minutes of sales pitch trying to lure me into keeping account. The $175 offer did not seem worth it if I had to deal with BOA idiots so I declined and finally, I believe got the account closed.

Updated on 07/07/2024: Let me summarize the bank experience. My husband's debit card was stolen, and an individual posing as helpful at the walk-up ATM switched cards. The thief then gave the card to his girlfriend, who withdrew money from the drive-through bank. Additionally, one of them entered the bank and made another withdrawal. We reported the incident to the bank, expecting them to investigate and resolve the issue, However, they mishandled the case. After some time, the bank refunded the amount taken from the ATM, followed by the amount taken from inside the bank the next day. However, the following week, they mistakenly refunded the same amount from the ATM withdrawal again. When we contacted them to inquire about this, they acknowledged the error and promised to rectify it on June 28th.

The worst customer service in the banking industry, their website and app are no better. I have had to fight with them when my account data was stolen for 3 months to get my money back on 2 separate occasions, I even had alerts setup, now for the past couple months it won't let me log into the website for my banking unless I make a new password every time, so I call customer service and was put on hold for 25 minutes just to be hung up on. I don't know how they stay in business with such bad track record but this I know, they go through branch employees at an alarming rate and now I know why. My mother worked for them in the 80s to the early 2000s even becoming an RVP and her main account was with Huntington Bank, says a lot, they haven't changed in this many years.

Terrible, terrible customer experience. The President of this bank writes its customers an email saying she is committed to customer service and there is NO way to respond. Spent an hour today on hold chasing my money from a wire transfer. BofA set the Lowest, most painful bar. Don’t be fooled by slick marketing. They should be ashamed.

Bank of America has been my trusted financial institution since 1994, and I cannot speak highly enough about the exceptional service I have received throughout the years. The dedicated team of professionals at Bank of America truly sets a remarkable example of excellent customer service. From the moment I step foot into the bank, I am warmly welcomed by the friendly and accommodating staff. Their approachable nature instantly makes me feel like a valued member of the Bank of America family. Whether I have a simple inquiry or a complex financial matter, the employees at Bank of America have consistently gone above and beyond to provide me with the assistance I need.

I deposited my Social Security check 6/17/24. Bank of America put a hold on this “suspicious” check until 6/25/24. Even the branch could not release this money to my account. Horrible bank. Doesn't care about senior citizens. A check from the US Treasury is suspicious?

My Bank of America card has been stolen twice in half a year, if I may I would like to give this and bank reviews zero points. After the card was stolen, I went to the bank to handle it immediately, and the lobby manager said that this business could only be handled by appointment, and the usual business could not be handled directly by walk-in, so I changed to another American bank to handle it, but the staff declined and asked me to call the customer service by myself, It’s so ridiculous, If all the business I Can solve by myself, I don't need your bank for anything.

Waited 8 minutes and still wasn't able to reach anyone. Menus send you in circles creating unnecessary delays. I don't want to spend my precious time waiting for a company that doesn't value my business. Not the 1st time for this. This issue remains unresolved. Other issues to resolve false charges from scam companies is nearly impossible. Maybe it is time to move my money. Customer service is nonexistent. Find another bank that likes customers

Take your money out of there. There are a myriad of fees they will hammer you with. To get a 1 minute answer to your question, you will be transferred three times in the end to the newest employee who doesn't have a clue what they are doing there. Total mess.

I am writing to express my deep concern and dissatisfaction regarding an unresolved issue with my savings account since 2023. Unauthorized withdrawals were made from my account, resulting in significant financial loss and considerable stress. Despite my repeated attempts to seek resolution, I have yet to receive any accountability from Bank of America for allowing this breach to occur.

Leak your information. Do not secure your funds and if theft happens they won’t return your money back most likely. They hang up on you. They’re not helpful inside the banks. Tell you to go home and make a phone call to customer care. When the problem is too big to take care over the phone. Lies! They’re just a shady business that has some hidden inside issues and definitely not a quality company! I wouldn’t even give it a ⭐️1 review! I’m bi polar and they made me feel so dumb and made fun of me. Sent me home. Told me they can’t help me because they’re busy today. Hung up the phone on me. Never finished the fraud claim report because they were lazy in my opinion. Or maybe that’s what the company stands for. Service like this.

I am treasurer of a couple of small non-profits. The BofA people to whom I speak seem to be trying, but the phone system to get through to them is absolutely hopeless. It takes forever to speak to a human. (Yes, I exaggerate - but not by much.). Then, when you are speaking to someone, it seems that the IT system they have to deal with is no better than the phone system. They seem to really struggle to accomplish what should be a fairly straightforward transaction.

This company is completely incapable of properly handling a financial applicational and communicating. From beginning to end they do not give you the correct information with regards as to where your application stands. They will call to tell you one thing then the next call tells you the opposite. They will even intentionally give you the wrong contact information for their collogues who are supposed to be handling certain aspects of the application, then another employee tell you that that person does not communicate with the public (applicant).

If there was a negative star review, I would choose it. We have been Bank of America customers for over 30 years. We have personal checking, savings, credit card and a business account. Time to find a new institution that we can trust with our money. On May 13, 2024, our accounts were all hacked. In ONE DAY almost $20,000 was stolen from our life savings by unauthorized fraudulent Zelle withdrawals and a credit card cash advance. Thirty-one withdrawals in one day from one account.

Why such terrible service? Y'all have such rude employees. Not to mentioned the lack of attention through customer service. No one answers the phone or even bothers to pick it up. And I can’t even start with the manager. Bank of America needs to be shut down.

Bank of America withdrew money from my account "by mistake" ($2247.0), but instead of returning the money immediately, they withheld it for several more days under the pretext that there was a claim in progress even though I told them I needed it. This money to pay my business bills...What could you call this negligent attitude?? What would happen if I had been the one to kidnap their money or steal it???...1000% pure bureaucracy, BLA BLA BLA BLA, a lot of Vaseline even though I told them that they had 80% negative reviews and many other % not so good, they just told me that they were sorry but you had to wait for the claim process....27 years of being their clients is of no use, they wipe their ** with one that easy.

I started a BoA for my new business that I have been planning for some time. I thought they would be supportive and reasonable for a new, small business. They are the opposite. The biggest issue is their unreasonable hold times on checks. They do not warn you that they will hold your hard earned, critical money for up to 10 days. I have been in a bind now multiple times because of this. The last straw is that the teller told me that funds would be available the next day, only to have a total of an 11 day hold put on a cashiers check from Chase bank.

I was given a refund to my BOA debit card by a merchant several days ago. Having not receiving any refund from BOA. I called BOA and had very long wait times, they told me I had to go back to the merchant as they did not receive any refund yet. So I called back to the merchant, and they just sent me their refund receipt from several days ago where they had indeed refunded BOA for the item I had returned over a week ago. So I called back to BOA and they read off what sounded like a teleprompter that it may take BOA 10 more days to refund my money - even though the merchant has already refunded the money to them!!!!

I am writing to express my dissatisfaction with Bank of America's bill payment processing service. My experience has been frustrating and disappointing, and I feel compelled to share my concerns. You schedule a payment and money is withdrawn from your account while processing the check. You can understand that ok money is withdrawn and once the merchant deposits the check money is transferred to the merchant account and the processing status will be gone. BUT it is not what is happening. I have instances where the merchant either didn't receive the check or if they have received it and did not deposit it, but your account shows money transferred to the merchant account. Now you have to call BOA and try to resolve the issue and figure out where your money is. Not to mention that Customer Services itself has many issues as you cannot get hold of anyone without a hold for 30 minutes or more.

I had a terrible experience because of BOA Ellicott City location because of the manager M. ABBAS **. He was trying to act smart, asking irrelevant questions regarding my transaction and I told him it’s none of your business. Your job is to help me of what I’m asking.

This bank is bad with communication and caring about customers. Told them I had access to my account and needed to pay my car payment and I just got out the hospital with Covid. They told me I had to come in to verify myself and all along I was doing it through my phone wallet got stolen. Told them that and I couldn’t go to a DMV. still didn’t care. I had everything else to prove it was me.

My parents passed away and I am the executor of the estate. For 2 months I’ve been trying to get information to get 2 loans paid off. First they told me to send all documents to The Estate Unit. I sent them death certificates, court documents of me being the estate rep, photo copy of my ID. Account numbers and all contact information. I called back after two weeks and was told I now have to send the same information to a different department because the departments do not share information. I see the information the mortgage department as I was told. Call back a few weeks later. They don’t have the information but now I need to send it to a title transfer department. I faxed all documents again.

Bank of America makes it extremely hard to get anything done with the bank. The online FAQ/Help articles were outdated and did not help. I wanted to set up Auto-pay (I wanted to pay the Bank!) and was on hold for 45mins then transferred 3 different times then they were unable to get it set up.

I thought BOA was a good bank for about 4 or 5 years. We were on the verge of transferring our checking account to them. For years we have maintained a FICO score from 790 to 812. In January our FICO score was 812. In January of this year, I was intending on paying $1,000 from another bank to pay ahead on my account. I made a mistake adding another zero making the payment $10,000. I quickly notified both banks. Both banks understood. A small credit card there had a balance of $1.37. For some reason that card got hung up between WF and BOA. For 4 months straight I contacted BOA to remedy the situation talking to their representatives everywhere from Savannah, GA to Arizona and finally Texas. All of the reps were polite and told me they were solving the issue. Each time the rep did not understand what happened, apologized and said they had it solved. We have maintained great credit for over 20 years.

Worst bank out there. Please don’t bank with them. They don’t care about you or the safety of your money. The call center is No help after leaving you on hold for an hour. Everything is (the back office) that you can’t speak to.

Bank of America has become one of the worst banks ever. They create a situation and you have to jump and ask them how high. No one knows anything about anything. They are not willing to understand only repeat.

Worst bank ever!! Card declined multiple times. Contacted customer support however, they could not provide an explanation as of why the card declined... Such a wonderful feeling not to be able to access your money... Horrible.

Worst bank I have ever dealt with. I have had a credit card with them for a few years now until I canceled it a few weeks ago. And they told me the account balance was $0 and there would be no further interest charges or fees added to the account. I even called them about a week later to make sure again and I was told the same thing. Luckily I looked at my credit and it still showed a balance of $39.50 due on my account. So of course I called them and paid it off and told them how irritated I was about the situation, because if I wouldn’t have looked they would have sent it to collections and kept adding interest to it.

BoA has the worst customer service ever. Also, their website is difficult to navigate. Two months in a row, I have had double and triple payments deducted from my checking account. Charges have been made on an account that was hacked and closed four years ago. Then transferred to the new account. Apparently this is my fault?? Trying to get the matter resolved has been a nightmare. I have been a BoA customer for 20 years and had no problems, but now?? IDK what happened, maybe they need real people instead of bots handling issues? I would give them minus score if I could.

I will never do business with Bank of America and if I could give them 0 stars I would. After 3+ years having a credit card in good standing never any latest I paid it off and they arbitrarily closed my credit card which in turn lowered my credit score and also believe there are spirit airline points that are now missing. BOA are thieves.

I was 1 hour 40 minutes with customer care. Was transferred to 4 different agents and still my issue not resolved. Credit card department transferred to billing and bill to debit card department. Still my issue not resolved and no one cares to call you back.

I wish there was a zero. They sold my home mortgage to someone else, messed up my direct deposits, my insurances and taxes and cost me a heap. No accountability. I have personal wealth accounts with BoA, have business accounts with BoA. But I was treated like crap. I'm paying out the debts, and changing banks. BoA is a crap bank. Too large. Too rude. Pissed me off. Hope they go bankrupt and fire everyone in customer service.

I started using BOA over 20 years ago because my bank had no locations where I was stationed. BOA was all over. They have since closed ALL the banks within an hour of my house to include ATM’s. At one point they “consumed” an SSI account I had with them for my adopted son with fees until it was gone. They can’t even charge fees on that account. That’s the only way I got the money back. It took almost a year of getting told there was “nothing that could be done” until I brought up the fact that they could charge fees to his SSI account. It took five minutes to get the cash they said I had no right to. That’s my experience. I am currently going through the hassle of changing all my direct deposits in order to close my account.

On many occasions these crooks have rearranged the order of my charges and placed holds on all of my large deposits so that they could charge me enormous overdraft fees. Recently I was depositing a printed check from another bank. The teller at Bank of America assured me that the funds would be available by the following morning. Then the next day I logged into my account only to see that they decided to hold the money for FIVE MORE DAYS. They will lie to your face just to manipulate you into doing what they want. Then turn around and blatantly refuse to comply with their own promises and banking contracts.

This Bank is the worst at communication. I deposited a check in the bank was told my money would be available on Monday, Monday morning I check my acct and am now being told my funds will be available on Thursday. I do not like the branch Manager. From previous experience she is racist! NEVER AGAIN!!!!

Worst bank ever. Will not let you take out money. When you try to call to close your account they make you wait a half hour and hang up on you. They also have very limited customer service hours, so you'd have better luck banking with the USPS. DO NOT USE. THEY ARE A SCAM! You can choose so many other banks that actually let you access your money. By the way, they make you listen to 30 minutes of marketing while you're on hold to get help. There is no call back option. Basically, you're verbally assaulted by using Bank of America. This doesn't even cover all of the fees and near zero interest on savings.

I have been a Bank of America member for two years. All of my family uses Bank of America for 20+ years. I had to file a claim because when I was in Reno the ATM said I ursed showed error when my money was supposed to come out so I checked my app. It didn’t say no money came out so I wasn’t concerned. I took out more money and it was fine. Three days later when I got home I noticed a $300 charge went through. Lo and behold it was that one so no I didn’t think to keep the receipt or anything not thinking my own bank wouldn’t fight for me.

The customer service reps have no idea what they’re doing. It’s a joke. They’re awful. They toss you around from department to department b/c they either don’t feel like doing their job or know enough to do their job. It's a joke!!! They don’t even know how to answer a simple request or question from a customer or even transfer a call to a different department! I think circus monkeys must train them! Absolutely atrocious. I will never bank with them again!!!!

Updated on 01/21/2025: Update I literally canceled my account. They tried to do a maintenance fee on top of the missing money. I said no thanks. I’m glad to save 144 a year. They asked me if the bank I went with was a credit union for the no maintenance fee I laughed and said no. They tried and offered me a lower maintenance fee to keep my account going. Nope, I’m good. I'm glad to be out of this mess.

I am writing to express my extreme dissatisfaction and frustration with the service provided by Bank of America. I have attempted to close my account on three separate occasions, and each time I called, I was put on hold for an unacceptable amount of time - a total of 2230 minutes in total. It is evident that the company is making it unnecessarily difficult for customers to close their accounts, and the lack of responsiveness is simply unacceptable. I have received no concrete answers or assistance, and this level of customer service is appalling. I urge Bank of America to address these issues promptly and improve the quality of service provided to customers. Thank you.

Absolutely HORRIBLE! Just opened a new account with this branch due to moving from South Florida up to New England. I’ve had Seacoast Bank for 15 years, never waited longer than 5 minutes. Currently on hold waiting for the CS agent for going on 22 minutes! And the automated system before the call is processed is unbelievably stupid! I’ll be finding another bank!

BOA has the most horrendous banking system problems and their customer service is terrible. Stay away, not worth the time wasted! They don’t have it together, from Zelle payments to pending charges that have already been paid! Educate your peeps, as for me I’m moving on!

Bank of America will change your payment dates unilaterally. When they make you make a late payment because of the shenanigans, they refuse to credit your payments and bill you for the whole amount regardless of your previous payment, stating that you checked off on the monthly Auto payment. Then they will say it is your fault for checking off on the monthly automatic payment and it is your fault that they did not credit your account. It is ridiculous. They will try to gaslight you and stating this is your fault for Bank of America not crediting payments done weeks earlier, and refuse to adjust the balance. Then they stated that they are a Superior Bank because they're willing to give you a refund weeks later. Then there is another caveat saying that they will apply to all of your balance on the card regardless of the payment due date on the card.

I opened three accounts with Bank of America in Tyler Texas - one business, personal and savings and because someone scammed me and then tried to file a claim on money they sent me they froze all my accounts since November of 2023. Almost $10,000 they held from me a single mom. As of now I haven’t seen a penny but I provided proof of the scam and they took forever to close it and find in my favor but the amount of all the money they agree to send me one account amount $1,097 and still hold the other two till they decide to send it if ever. This is pure injustice and because of fine print they can do this. Their policies are inhuman and they can literally make people homeless or flat broke at their own policy. I highly suggest looking at the fine print on any bank policy especially this one and suggest you keep as little in the bank as possible on any bank but especially this one. I rather keep it locked up on a fireproof safe than deal with this.

Absolutely terrible customer service. I was sitting on the phone with a representative in complete silence for almost a minute before I hung up since the representative clearly was not trying to give me an appropriate answer as to why I can’t use my account to deposit elsewhere.

My deposits check deposits take too long to clear. With EVERY deposit, it informs you that some of the funds will be available the next business day...UNTRUE! They hold overy one of my deposits for several days, including big companies, or even government/Tax checks...you name it. What's the actual point of letting us know funds are to be available the next day, when they never are??? Stop saying that crap! I knew I should've deposited my check into my secondary bank. Moving forward, in the very near future, I will most likely just close my Bank of America account. And switch to my secondary account instead. I honestly cannot wait!

For more than 3 years and countless phone calls, this "bank" has been sending private financial information to me relative to an account to which I should not have access. To be clear, somehow my email address got linked to a family member's account (we do not share a last name in common, have never lived together, never had accounts link, and are related by marriage) At first is was just notifications for statements being available. Then it was notifications about account balances. Now it's about specific transactions. I have called to correct this. My husband has called to correct this.

Worst bank ever!!! The representatives will give you any kind of information you wanna hear just so you use the bank for your checking savings or credit cards. However, you will find that what they tell you is totally wrong. This is the worst Bank with the representatives having absolutely no training. Bait and switch here.

I was given a cashier's check from a trust account from a law firm and BOA has the money in their possession and I was told at the time of deposit that I would have a specific amount released and it was not released. There is a “HOLD” on the total amount indefinitely. Everyone I talk to with BOA gives me a different date that I may or may not have access to MY MONEY. Keep in mind, this was a CASHIER'S CHECK. Same as cash. I’m on day 5 of waiting and I’m being told that I possibly may have access to my money in another 8 days. When the money finally clears and I have access to it I will be withdrawing everything from 2 checking accounts and 1 savings account and I will be taking my business elsewhere. What they are doing to customers should be illegal.

Bank of America is the worst business experience I've ever had. Been a customer for 12 years and without notice or given reason they first closed my $75k roth IRA for no reason. Then today they closed my three credit cards without notice $2300 balance on $30k credit line, 755 score.. no letter, no explanation.. Run, don't walk away from this slimy, grimy, disloyal, dishonest company who still call me a platinum preferred customer.. never missed or late on one payment ever, Do not trust this company.

Engages in apparently legalized theft. Online payment system doesn't credit payments; BoA then reports past due balances and damages your credit. BoA stole $350 from me. Bank of America refuses to provide email contact information and the AI system won't put you through to a customer service representative unless your inquiry fits within very narrow parameters, which do not include uncredited payments.

I been on hold for 35 minutes. I called Bank of America to cancel my monthly payment because I made a duplicate payment. I try to cancel through the app and it wasn't working. I called customer service. It got me on hold longer than I expected. They should have option to notify you that you have a recruiting payment before you make another payment.

Bank of America is the absolute WORST!!! Zero respect for its clients regardless of how long your account has been active and in good standing. I have been banking with them for over 30 years and they still continue to put random holds on some of my deposits! These deposits are coming from businesses that I’ve made deposits on many, many times. Yet, without any reasons given, they place a hold on my money for 5 business days. Absolutely ridiculous! I could understand more if my account was in poor standing or even if I had never made a deposit written of a particular company before. However, not the case here. BOA you suck! I will be closing all of my accounts with you going forward.

I am absolutely done with BOA. I wake up this morning with a $277 ACH hold on my account. What really upset me is that the hold was place by boa and I spent my entire work day on hold and speaking to worthless mgrs. and reps that could not give me any answers only bs apologies. My direct deposit as well as my future business will be redirected after 8yrs of doing business with boa. Absolutely worthless, clueless and less one longstanding customer after today.

BOA is the absolute worst bank to ever operate. They hold your checks, can't process transactions on time...leaving your balance questionable. My card gets declined often for zero reasons. I cannot wait to transfer all of my business to a bank that actually understands how to bank in the 21st century.

This bank is very annoying. It’s too much to deal with! They take your money for how long they wish to and not let the payment go through and when you call they say it’s nothing they can do to help you.

Preferred client for over 20 years here. For months and after multiple phone calls, fraudulent claims, debit card changes, BOA has not been able to stop scammers from accessing my account charging 12.95 every single month. The latest is "sorry, nothing we can do about it, call the merchant." Well I don't have an account with that Merchant, it is called a SCAM for a reason. Pathetic.

B of A has exceptionally low customer service and inadequate, incompetent branch staff! They ask customers to do everything on-line but many things require ‘go meet a branch person’ and appointments are always late, staff is virtually nil (waiting right now 2 hrs with 5 other customers; 6 offices with 1 slow moving employee and 2 others standing around “we can’t do that”) - horrible and will try to move my money but B of A will make that impossible.

WORST bank ever. STOLE my money, fees like crazy even when their customer service give wrong answers. Everything is your fault so they can charged fees. Managers, Supervisors don’t know anything. Due to their faults customers pay the consequences, my son first time credit was ruined. Don’t even deserve one star. Please DO NOT DO BUSINESS with Bank of America.

The systems went down two times in one month which makes it hard for people to get their money. This is inconvenient for everyone not just myself. People are entitled to be able to get their money when they need it. I understand it's not the staff's fault but they need to upgrade their systems.

Unbelievable that nobody at BOA has idea about a bank letter for a customer.. Waste of time. Still can not have that letter for weeks. Crazy unbelievable.. BOA should put some training classes for employees.

Bank of America did not attempt to rectify a charge from my account where they did not return $641.00. Customer service was not helpful as they only read the numbers and provided an explanation that did not explain anything. No one has money to lose or throw away. I am disgusted and dismayed. I have no intent on continuing to bank with a business that practices business in such a manner.

I opened a CC Master upon an offer received via mail. I was unable to activate my card since the card was blocked due to #suspicious charges# with a card that was never used. I spent a long time online and the issue was resolved. I paid some restaurant bills and tried to pay my airline tickets today I received a security code however the transaction was declined (having plenty of credit available). I called customer service and they sent me a new code, passed. The employee put me several times on hold but was unable to resolve the issue and direct me to go in person to a branch. I decided to close my account. This Bank is not reliable nor professional

The worst banking website. I have been trying to log in for the last 2 days. The page just sits there without loading. So frustrating and this is not the first time either. Such a big bank and such poor online access.

The customer service has always been awful but it has declined so much that after 30 years of banking we are now moving both personal, business and children's accounts to another bank. Hope someone can suggest a proper bank that still values customer service. In addition to the worst customer service their AI/automated service is also incompetent. Shame.

It’s incredible how they always find a way not to help, I have been banking with them for over 30 years. I have applied for 3 mortgages and they never loan the money to me, but 3 times I have gotten the loans with other banks no problem, wire transfer always an excuse not to give you funds. Excuses such as regulatory reviews but they already took the money from the person sending it. Today I am closing all my accounts

Worst customer service ever! Stay away from this bank! I wait like 2 hours to be connected and still no solution! They are so incapable of helping their customers. I am trying to get rid of all of my Bank of America accounts!

Horrible experience with the total loss department. I was never told I had gap insurance. Finally get the check from gap insurance and Bofa doesn't know how to get it to me. It’s been about two months and I still don’t have my check. Every time I call it’s a different reason as to why I don’t have my check.

Bank of America sent me several balance transfer offers but when I used them the checks bounced. Their credibility is not good. It cost me two penalties for a bounced check and affected my credit score. It has no credibility or trust.

Do your research before you even think about using this bank. We can not trust them to secure our accounts or refund us money when something happens. Bank of America is always on the side of a seller even when you have proof that something has occurred. The chances that you will have to get an attorney to get your money back is a real possibility. I have lost so much money through them it’s mind blowing that they are still operating. When someone was trying to use my cards to make a purchase every other bank they tried blocked the purchase and notified me immediately. Since it was happening to more than one account I took it upon myself to check my BOA and sure enough the money was taken out.

B of A need not wonder why they have a bad rep. I have a line of credit (secured by mortgage) that I just paid off. The final month my balance was $19,000 and I paid $121 in interest. I have also a MMA with a balance of $25,000. Last month they paid me 42 cents in interest. I am a long time customer and all my banking is done there.

2 weeks of trying to open an HSA account and locked out 3 times. Never was able to gain access to account. Ended up closing the account without ever being able to use it. When trying to resolve the issue I was being passed on to 3rd party companies that could not help in any way. Absolutely the worst banking system I have ever had to deal with. Highly recommend finding someone else to handle your money.

I have been trying to get a 1099 for my wife for over a week and have not been able to talk to anyone at BofA. If you don't have all of the exact details of the account you are asking about, they refuse to allow you to talk to anyone, or access them at their stupid website. Take your business elsewhere.

PORT CHESTER LOCATION AND STAFF ARE THE WORST AND UNKNOWLEDGEABLE!!! Including the Manager Connie **... I have had several issues for over a month with online banking. They couldn't resolve my issue..Not in the branch, nor management, nor staff nor online customer service number. I couldn't access my money FOR OVER 6 WEEKS DUE TO THIS ISSUE!!!! I reached out to Karina ** whom is the district manager and she couldn't help me either.... I would advise to RUNNN to another bank because B of A ISN'T THE ONE!!!

I reported fraud 2 months ago and have had no resolution. I keep resubmitting the ach form and they lie and say they never get it. I went into a branch and they said they can’t help me. I sit on hold weekly for hours and no one can figure it out. They told me I wasn’t an authorized user on my account. I opened the account.

When a merchant gives you your money back for a cancelation the bank's policy is make the transaction disappear, while they hold your money or charge you interest unit the merchant finishes transaction. SunCoast here I come.

One wire cost me 5 hours and 6 customer service representatives... Still didn't work. On the phone with these idiots as we speak. Still can't speak to anyone because their mediocre automated voice system is absolutely idiotic: "Do you have access to your mobile phone?" "NO" "Ok, please insert the number of your mobile phone!" I AM GOING WITH BREX AS SOON AS I CAN MAKE MY WIRE

I have been a customer with direct deposit for 27 years. Now my social security is direct deposited and they allowed someone to rob me through the app. This is why I hate technology but the real issue is the bank. They DID NOT support me as a customer and basically said you're screwed out of your money. I plan on opening an account with Chase or Citizens and ending my relationship with BOA. Their customer service has really declined and I feel like I can't count on this bank anymore. Plus there are no brick and mortar locations, just ATM kiosks! I drive 30 minutes to stand in a long line in the cold and pray there's still money in the ATM. It's become way too impersonal. I want a bank that still cares about their customers.

Worst customer service and wait times in my life. Wouldn’t take ownership for their mistake which cost me money because I could pay bills because they gave me an invalid digital card. I will never recommend this bank and can’t wait to switch to a more efficient and loyal bank. Worst choice I made was giving them a chance to screw me.

I have Bank of America credit card. I am going to close it very soon since they are fraud and cheat to their clients. I borrowed 5000 dollars from them and I paid 5% fee. They never mentioned me they would charge me monthly interest. Now they are charging me $150 every month. When I called they said there is interest on balance transfer. But they never mentioned when I got the money. Folks, never ever do business with these people, dirty bastards in Bank of America.

I wanted to talk about my call this morning with them. The person on the phone told me that my Zelle did not go through because the email was not verified to work with Zelle. This is ridiculous because I know the person, she is my lawyer, my attorney, and after confirming this with him, he started asking if I am traveling, any recent changes to my account. My number has never changed and the last time I updated my address was 4 years ago. I do not believe there was anything wrong with the email my lawyer gave me because it was the email she use for work. Also, it might have been my phone, or the way I talk, but I could hear myself on speaker because I felt like he was making fun of me and not serious at all, to to the point that I felt like I was shouting that was not my character. I should have asked for someone else because other people hear me fine, why this particular person so many issues?

They could take much better care of their victims! On 4/3 I received a text from BOA asking if I recognized a charge. I replied “No.” This then prompted me to go through some transactions on the app. At the time my family and retired mother were 900 miles from home on vacation. There were 12 charges each $119.00 that were made by a company BOA said was the Iraq Government. So even though I replied “No” they allowed all of these charges to go through and continue to go through until my account was completely drained and I wasn’t able to get my family back home from our vacation without taking a loan. I had no means to feed them, lay their heads down, nothing. All BOA kept saying is “We understand.” A hardship was supposedly requested from the fraud department to have our money replaced but here we are now in overdraft by -$400, on 4/8 still no way to feed our family, put gas in our vehicle, pay our bills, nothing. I have been a BOA customer for almost 20 years now. I can promise you once I get my money back I will be moving over to someone more secure and that cares about their customers!

I have been locked out of my account for 24 hours, after entering the “wrong pin” which is the same pin I’ve had for years. They will put your account on pause, waiting for you to call when nothing is wrong. I chose wrong and knew I for many years. They hold money hostage are most of us don’t have it like they. Many customer service reps aren’t professional. After today I will be closing my bank account here and never looking back. Make a better choice!!!!

Stay far away and find a local credit union or another bank. I have been using Bank of America for 20 years. Dealt with their higher fees and kept my funds in order. With the difficult times we are in now due to inflation and the rising cost of living, the first chance they could royally screw me over they did. By the time I realized it my only option was to close the account immediately.

I wish zero stars was an option. For years I have received disability from the United States Marine Corps, due to injuries, sustained in Iraq. I deposit my disability, check the exact, same way, the exact same time of the month. And it is always for the exact same amount. For some reason this month my disability payment was put into my account like usual, but then a few days later was withdrawn from my account and said that it was on hold. Due to this, my house payment did not come out like it should have.

I've been a customer over 35 years and can not even reach anyone at my local bank. No way to leave a message in middle of the day? I waited for main customer service to call me back only. They did only to give me the Pflugerville number that I need to call. Called them and no way to leave a message or speak to a person!!!! I've been on phone for 3 hours. I just need something notarized tomorrow. You all are worse than AT&T And I mean it. I know it is a hassle to change banks but I'm finally fed up with your phone systems most of which do not work properly. Shame on you!!!

One of the worst brunches of the worst bank in America. Not only this institution is corrupt and does not give a damn about ordinary people, but this particular is the most unhelpful. Most people working there are a bunch of arrogant, uncaring individual. I have been with rotten bank for the past 27 years, and now I have gone twice to the bank to close an account and somehow their bankers are busy or not there. Get out of this bank while you can!!!!

There are reasons why Bank of America has been convicted of fraud, more than once. I just applied online for an Alliance Credit Card and a flight reduction in price for 150.00. I have excellent credit, and needed to lift the credit freezes on my account. However, The Bank of America came back and the automatic reduction didn't go through, but "needed review." That means they STILL check my credit, and I'll have to pay for the card in the future, 59.00 per year, whether I like that or not. I just tried to refreeze my credit, 2 out of 3, equifax won't allow me to re-freeze a temporary lifted freeze, and trying calling BofA, waiting for a call back. My credit score will now go down because BofA is running the check (unless the re-freeze works on 2 out of 3), and I'll be stuck with a credit card I don't want. This has taken way too much time, which works to their advantage, AI does that. Like "mental health," they hold all the cards, you're just their sucker/patsy.

Been a customer for 19 yrs. Unhappy. Call bank, wait up to hour to speak. Bank call centers closed on weekends. Need 24/7 help. Reverse payments I've made without notification. Reverse given credits anytime, even if overdraws account then charge overdraft fees. Where is customer service B of A? You make money from money I keep in your bank but Can't get help when needed. Fed up with long hold times and closed call support. Where's the service these days? Very unhappy, moving to another bank. Wells Fargo has 24/7 customer support.

I have over 800 credit, meaning I pay my bills on time. I also always pay off the balance so that I can avoid interest. With too much going on in my family I accidentally paid my card from the wrong account. The account had insufficient funds for the amount due. When I realized this had happened, I had already paid the balance for the next month, early, which covered the payment I missed. I called to explain before any interest charges appeared on my account. The representative told me there wasn't anything she could do at the moment but to call back if I saw interest charges when my next statement came out. Indeed there were charges and I called.

If I could give less stars I would. The one helpful associate was Melissa. If only her hands weren’t tied by the terrible fraud practices of this bank. I had a transaction process which made my account over $600 in the negative. It was fraud and I attempted to report it the day it happened. But it had to finish processing. Which makes no sense. So when I was able to file the claim it now is going to take up to 45 days to investigate. No credit while checking the fraud claim?? Oh no. Why would Bank of America help their customers over 10 years.

Friday 22nd of March 2024 at around 1am I want to withdraw from an ATM machine number ** Bank of America on Westheimer Rd. Houston Tx. My card was debited but cash was not dispense “500$” a message came on the screen that the ATM was bad and my account will be refunded, 9am in the morning I walk into the bank to recount my experience with the ATM. On getting to the bank I physically saw technicians working on that particular ATM machine, I told the manager what happened and she gave me a number to call. I did call the number and waited for almost 45min to 1hour before somebody picked. The associate I spoke with put in the information for my refund but redirected me to another department for my refund of $500 my pay from my job.

Deposited a check for $8,000. BOA put 7day hold, next day deposited 2 more identical checks into 2 other bank(s) accounts. Funds were available immediately. All 3 cleared the next day. My check is still on hold. Worst bank I ever dealt with. Shouldn't even give one star.

Stay away from this bank, yes they have a lot atms, but that is pretty much it. I had Checking, Saving account and Credit card from BOA, all of them suck. You always get charged for some stupid fee, which you never knew. The LINE IS ALWAYS BUSY, you need to hold on the line for hours, when you walk in to the branch MANAGER or representative is always busy, you need to set up appointment just to talk to someone, so do yours favor and stay away from Bank of America. Bunch of SCAMMERS. I would rate this bank -1000000.

Bank of America customer service stinks. Try to get someone on the PHONE....Good Luck. We are going to change to Citi-Bank. 100% better customer service. We were on hold for 55 minutes before they hung up.

I hate this bank. It takes 4 months for a refund. Three months for a credit to your account. Even if I get a return from a merchant it takes almost 5 months for it to post. Don't even get me started about my check when it gets deposited what I go through. I have never been with a bank with these type of policies. And they have made my credit chance 0.... That makes me believe with a 1.6 star rating either the people who works at the bank left those great reviews about this bank or they paid people for that type of review.

Just got off the phone after arguing 30 minutes with a representative who kept repeating corporate jargon, after asking her to put it blunt for me she said the reason I couldn't get my $600 check was because they did not have the funds to give it to me for another 5 days. They've always been problematic, if you choose this bank get ready to make lots of appointments to get your account fixed because you can't do it over the phone.

I went to get my statements. I had been told that it takes a week to complete the process but I needed it urgent so the lady leaves everything on side and did my work first. I am so grateful for the lady who helped me. I am so satisfied with her service! Thank you again!

After 3+ years of having my account, always active and always in good standing I changed my phone number thru their app. This immediately got my account locked. So I tried calling the number they gave me to call, after being transferred 4 times (1 hour on phone later) they tell me it can only be unlocked in person. So I go to the bank, there I have to wait 1.5 hours just to be seen at their Fondren Rd location in Houston. I tell the guy who I was assigned to I'm there to unlock my account so I can pay my bills due today.

They messed up my business account, so I finally closed it! Now, they are messing up with my funds in my personal account. Like others said, no customer loyalty, even after 29 years! They are white-collar crooks. No more BofA!

They prioritize appointments over walk ins and then they blame you for the actions of known criminals (according to the bankers). So this bank should be shut down permanently and all employees should be retrained on customer satisfaction and they need to learn to NOT blame the customers for the action of others

Spent 45 minutes on hold before I hung up listening to the same recording telling me how busy they were, how valuable I was, and please be patient as calls will be answered in the order received. I gave up.

Auto Payment System Issues: The auto payment system is supposed to offer convenience and reliability, but my experience was far from it. I encountered multiple issues, including failed payment transactions and incorrect billing amounts. Despite setting up everything correctly, the system failed to process payments on the designated dates, leading to late fees and unnecessary stress.

I was a Bank of America customer for a long time and they started closing a lot of branches and I left because it was. It is convenient. I went back to Bank of America. I've been back with them for a little over a year, I have direct deposit with them checking and savings but when I deposit a check even a cashier's check they want to hold it. They say for up to 10 days but they still don't want to give you your money. I do better off using Chime, NetSpend or any other company who doesn't treat me this way. I'm done with Bank of America as soon as I get my money if I ever do.

They're a multi billion dollar company and they can't even refund 10.00 to a person who has been a customer over 10 years and to someone who is very bad financially like taking food out of your mouth literally

Take your hard earned money anywhere but here. Horrible customer service...wait...scratch that ZERO CUSTOMER SERVICE. Any other financial institution is better. They try to upsell you on credit cards with astronomical interest rates, they pay you miniscule interest on your checking and savings, and they'll fee you to BROKE. BofA is just plain AWFUL. Run, don't walk, in the OPPOSITE direction!

Went to their website and did a Prequalification which was approved based on income and my good credit score. When I did actually apply, they denied me. Now my credit scores went down because they did a hard hit on ALL 3 of my credit reports. Stated a "major delinquency" on credit report is why, but there is not one, so I'm not sure where they supposedly found that. Verified with credit bureaus that it isn't the case. Don't apply here, they are a fraud.

More than once this year I was given incorrect info while paying my credit card. They refused to refund a late fee after paying what I was told by customer service. I have been a member for 30 years. Bank of America doesn't care about educators.

I won't recommend Bank of America to any small business. The relationship and the customers service is the worst, as a new business account if you send a wire or make a zelle you will have to wait at least three business day before the transaction is complete, they will place it in fraud status, it's insult what bank of america is doing, I won't recommend it.

I am going to throw in my 2 cents. Ready? I am so happy at this bank. I am a student at DeVry and whenever I need extra cash, they always give me a balance assist loan to help me out. I just spent my last dime on an exceedingly state-of-the-art laptop, and here is BofA ready to spare me the humiliation of going broke mid-month. Some people don't like them because they are a little hyperactive when it comes to dealing with fraud. They may often lock an account for having strange transactions. Overall, they are probably the best bank in the USA. I just want to let people know that at BofA, your money is safe, and at BofA, they help the little guy.

Bank of America is the worst bank to do banking. I closed my account in the past due to too much stuff going on. Card always getting compromised. Always waiting. Never enough employees. It must not be a good place to work either.

I haven't even used the card and I'm already concerned with BoA's service. First call was return 2 hrs later and then after finally receiving a call back, the rep goes, "you've reached the right person, I'm going to help you with that" and puts me on hold while immediately transferring NOWHERE. The phone rings several time and gets disconnected. NO ONE calls me back and then the nasty ** automated system hangs up on me because she couldn't understand my request. Already thinking about closing the card. I hope everyone reads the reviews before applying for their card.

As a loyal client of 5 years, I am disgusted with the treatment I have been receiving for the last week or so. Sunday night I was informed that someone tried to hack into my mobile banking because I received an email stating that one of my debit cards had been unlocked. Upon discovering that email, I tried to log into my mobile banking app to see what was going on. I'd been told that I needed to reset my mobile banking password for security measures, however it wouldn't work. I called the fraud department phone number, and the associate that I spoke to informed me that all of my accounts and debit cards had been locked, and to call the client protection phone number in the morning as they were closed Sunday evening.

I deposited a large check via their mobile app from having sold a property. I was told it would take 10 days before I would see a credit. After 10 days, I still didn't see the credit, so I called. I was then told they couldn't accept large deposits via mobile apps. I was told to go to the ATM, which I did. Again, I waited for 10 days. Then, I called again and was told that the check got returned because I had never deposited such a large check before. I ended up depositing the check to another banks. Then, my mom sent me 2 checks with the same amount from BOA to repay a loan. I deposited them to TD Bank, but then my mom was told by BOA that they couldn't cash her checks because they were of the same amount. They took the money back from TD Bank and nearly caused my account to go into negative. I will no longer use BOA.

Very poor service to a loyal customer as myself. I have been a customer since I was only 18 years old. I deposited pennies from my childhood working for $1.00 an hour. I bought my first home in 1976. A second home in 1991 was financed. I have been given no consideration for my loyalty. Even a single credit card with just a $100 dollar limit. Thanks a lot Bank of America for your loyalty to me and your other customers. 0 for convenience. God bless you and your employees.

Autopay stopped working and it took a long time figure out why. They took advantage of this situation and charged high fees. Bank of America was not understanding about the situation and did not reimburse the late fees. Avoid this bank if you can help it.

It is very easy to be stolen from your account. If any entity has your data and makes a claim to the bank without proof, it is very likely that they will take money from your account without any explanation. The bank is the most insecure when it comes to the money in your account. Do not leave money in the accounts because you may be surprised.

After my last complaint against Bank of America EDD dispute department, they agreed to approve and fund my disputes except for $960.00, Bank of America EDD dispute department even refunded the disputes I didn't file. The one dispute that I physically file along with my physicians, and Det. ** statement/law enforcement proof Apprehension of suspect made in my case, and documentation showing proof that during a time the transactions Occurred I was hospitalized in a medical induced coma due to the COVID-19. Bank of America EDD dispute department continue to defraud and decriminalization consumers with a voice.

This the most ignorant customer service bank I ever see. I wrote a check but I did not put any signature. Then a month later the person try to cashed but they refuse because no funds. So I call the bank and cancelled the check and told them the check had no signature. "Do not cashed." She do not worry. Guess what. A week later cashed the checked. They even charged me fee because the first return check. Sorry that is sooo stu….pid. A third world country will not do that. After 15 years I'm closing my account and go with PNC. They will never do this.

I accidentally paid a credit card balance twice and it took BofA over 2 months and 4 separate calls to customer service to get it refunded to my BofA checking account. I am particularly frustrated to go through the same terrible automated customer service every time and that each human customer service I reached gave me a different reason and a different timeline for when the refund would be issued. It feels like they are just saying whatever to get me off the line and make it someone else's problem.

My partner, who is Male, and I applied for the same credit card debt consolidation card. He's carrying higher utilization. My cc usage is around 30%. His is 50%. He had more inquiries for credit on his report than I do, and he carries a higher debt to income ratio. Both of our credit scores are in the good range. He got approved. I didn't. It's really sad to have to still have to deal with this in 2024. I can tell you that I will never use B of A in the future, even if I decide to transition to a man and/or meet their bizarre, discriminatory approval requirements.

My name is Donte **. I am a member of M and T Bank since 1989 when it was First National Bank. Since 2022 I have been having major issues with this bank. I got robbed and they treated me as if I was the criminal. I called for a debit card. They said I need to go to a branch. On January 26th I went the bank on Ingleside branch Baltimore National Pike 21228. I spoke to Samantha and she put in for me a replacement card to be sent in mail 7 to 10 business days. I received the mail but no card in it. I called the main office since today is Sunday Feb. 4th. I spoke to a ** girl stating I was disrespectful in which I was angry at M and T and said nothing personal to her. ** women you hire are disrespectful and rude and can't handle hassle people just like the manager at this bank. I wrote to Jazzy at corporate. But if this happen to her she would be irritated you can tell the way she handled me as a professional.

Last 12/08 my brother send me $20.00, via Zelle from his Bank of America checking account but I never received. Since then we’ve been complain with Zelle and Bank of America but no one wants to take the responsibility. Now, where is my money? Zelle is a company that was credited by 6 banks, including Bank of America. Therefore, Zelle belongs to Bank of America but why this bank doesn’t want to give my money back? They own Zelle but when we go to the Bank they tell us to call Zelle and vice versa. Now what do I do? Please help me get my money back. Is not a lot but is my. I want my money and I am not going stop to fight for. Kindly - Eny

I have been a Bank of America customer for almost 10 years. I have been coming to this location for the past year. I recently opened a business account here and I come here often to get cashier's checks. Recently I lost my business card and I had to come withdrawn cash, and I was told I was displaying odd behavior and was given a scammer's pamphlet. I was also asked to explain what I need the money for. (Long story short) I have never had this happen to me before. It was humiliating, and defaming of character! I feel like I was racially profiled. I would not recommend this location. This should be shut down. I will be seeking legal counsel.

Received a scam text asking if I had made a charge, I knew it was not BofA looking at text sender address. Tried to provide information to BofA by calling 'report fraud' number, turns out to be Customer Service, not fraud. Wasn't on my phone number associated with BofA account, would not let me through, I gave a valid account number but said it could not match account with the phone I was calling from. The most frustrating experience I've ever had trying to contact someone. Finally got to phone associated with account, went through a gazillion 'Do You Want To....'. Never got through to anyone. Former Systems Programmer here, one of the worst interfaces I've seen in automated voice response. Online banking is superior but Voice Response System is excruciating. You try to help and you get so frustrated you end up saying to hell with them.

Their user interface on the app, the website as well as local branch is a complete waste of time. Making a wire transfer is harder than it should be. Half the time, the website is down and you cannot do anything. Setting up autopay for credit card is also impossible. I don't see how or why anyone would chose BOA for their banking needs. Service, User experience, etc all backwards, time consuming and a huge headache.

After having been a faithful, well established business and personal customer of BOA for over 20 years, I closed my accountS. Will NEVER bank here again. With no prior warning, they completely closed out my business banking LOC. The pathetic excuse was resigned to its "Risk Assessment". Never a late payment, customer for over 20 years. They're out for themselves only; DO NOT BANK HERE.

I recently opened a checking account with BOA. The process was awful and I was informed at the very end that the checking account doesn't include checks. That's right, they said I can't use checks for THAT checking account. So they switched me to a checking account that actually works. Today I tried to deposit my paycheck through the app on my phone as is usual and as is how I've deposited checks with every other bank. They would not accept it. Now they tell me that I can't use mobile deposit for 91 days because my account is newer. I was NEVER told any of this when I opened the account. Now I am on a work trip without my own transportation and checks that I mailed this morning will likely bounce. All because these crooks intentionally try to make it harder for customers to make deposits. BOA is a crooked bank with unethical policies in place specifically to increase revenue from overdraft and other fees.

I decided to close my accounts after 35 years. I had found a better bank after declining good customer service. I tried to call to cancel, but owed finance charges. They couldn’t help. Had to go to a bank branch where I set up an appointment. I went in and paid the fees that they would not remove and they closed my accounts. They were nice and helpful I thought.

I have been a valuable customer with Bank of America and I have received the worst customer service within the past 30 days. The Managers tell customers lies just to get them off the phone. They allow transactions go to be authorized on your account from merchants with no funds available with no overdraft protection on your account and then you have to wait 5-7 business days for your funds to be funded back to your account with a negative balanced showing on your account.

I have been a bank of America customer since 1979 and have worked as a Vice president at this bank in the 70's. I have both business and personal accounts at this bank. I have done mostly online banking. This late transaction leaves me a very bad impression of how bad this bank has become. I had to open a new joint account. It has been 1 month and 8 days, and they still could not accomplish adding the additional person. First, they sent the signature cards paperwork in slow USPS mail, they could have emailed it to expedite it. I went to their branch, and the branch cannot get it done with the notarized signature cards. Then after confirming their receipt of the notarized signature cards, then their customer service (4 phone calls) still cannot confirm that the joint account is done.

I recently attempted to wire a substantial sum to my external brokerage account. I provided the routing but clerk insisted it was different in their system. Transfer failed. I was charged anyway. I was stuck with mailing checks.

Rates started failing and I got excited to do a refinance from 6.5 to 6% and send all docs to Wendy ** at this bank and after reviewing everything she indicated the loan will go through. Sent a whole bunch of docs and everything seemed fine and gave green signal for appraisal and then got that done and it came fine. Few days pass and then suddenly came the rejection. I had great salary for many years before and RSUs for next three years which sufficiently covers the monthly costs with low DTI, but they denied saying I didn't have rsu grant for 2023 when the economy was bad and companies were cutting costs.

For years we have had accounts and do online banking with three other financial institutions. We are not inexperienced navigating our way around websites. Bank of America's mobile app and online services are BY FAR the worst. They are unclear, time-consuming and poorly designed. To matters worse, trying to find a number to talk to a live body was a nightmare and resulted in being on hold for over an hour, transferred to 3 different departments and still no answers to basic questions and concerns. (We were trying to verify if a change to our auto payment amount had been successfully initiated. We also wanted to know where we could find our 12 month payment history. The website showed only one payment made back in August.) If your time and sanity mean nothing to you, open an account with Bank of America. Otherwise, steer clear!

I am writing this, while I am on hold for customer service, again. So far 35min and still holding. I have been a customer, even a so called Preferred Gold Rewards customer for two years now, and I have never called without hearing: "We are experiencing higher than usual call volumes". Every time, all the time. Worse, I am calling now for the third time in 5 days to get assistance with fraud, as my accounts have been misused. First time, the guy forgot to lock down the transactions I reported. Two days later, after being transferred and on hold for 40min, next person close 2 out of 4 fraudulent transfers, which I found out today. Here I am, trying to rescue myself and my accounts from abuse, on fifth day, still on hold, 40mins and counting...

and Lowe's (both with credit limit of $6,000 and balance of zero) Bank of America denied my credit card application.

I will never use Bank of America ATM machine because there is a great risk that my card will be swallowed by the machine as it happened with me yesterday. Moreover, the branch management could not do anything to restore the card from the machine, and they asked me to apply for a replacement from my bank. The great problem is that the credit card I used was a foreign card issued from another country which is not easy to be replaced. I will put this review everywhere I can to encourage people not to use Bank of America ATM machines.

After 21 years with this bank, they are holding my daughter's disability check from December 29 to January 6. The account is now overdrawn, and they've informed me that I will be responsible for all the bounced fees, which means by the time they decide to clear that check, which once again is a federal government SSI check, my disabled daughter will have zero dollars for the entire month. Bank of America's answer has been to either lie to me, hang up on me, or tell me to stop talking because I am upset. It used to be the best bank ever. They are performing poorly now. And one of their suggestions was, "If you need food for your kids, we can offer you a credit card with us." Oh, so you can make more money on the interest? All they care about is making money, having money, and they care nothing about the customer.

I am being charged $12 per month for four months this year without any warning or notification!! BOA continues to do this to barely get by customers! When I called the bank, I was put on 20 minutes before I got to speak with an associate. These maintenance fees have got to stop! Stop preying on the little people! Stop preying on those who do not have money!

I'm a disabled person who is on a ventilator and can't verbally speak. Sounds simple right, not even close. A little background, my Mom is my power of attorney, which means she can speak for me and she has my permission to talk to anyone about anything. So, Bank of America called the number on file, my Mom's. So, everyone she talked to said, "We can't verify him without his permission," and this other crap. After talking to the 6th agent within 15 minutes of starting the call, the agent kept saying, "I understand what you're saying." I told 2 or 3 agents before the last agent, "My Mom has my permission to talk to you about everything via my communication device." Well, 20 minutes later, my Mom hung up because the agent wasn't listening to my mom, and I couldn't talk on the phone. So, after 3 months, we're still waiting for a paper statement to be sent to my address on file.

I received a regular deposit from a vendor that BOA would not release and they locked my business account saying it can take 3-5 business days to resolve, how can this be sane? The payment details were the same, each time. I cannot pay staff or vendors right now and have been on the phone for 4hrs 50 mins as at the time of writing and have spoken to 14 different people who just have no idea what they are doing. They are killing small businesses and have NO customer service ethics at all. If you are a business looking for an account don't use BOA. Once I resolve this matter I'll be switching to another bank. It's outrageous how they treat businesses.

We bank at 5 other banks. We have had more issues with Bank of America than the other 5 banks combined times 4. I cannot get over how dysfunctional every department is, whether it is banking or credit card services. The employees have no knowledge and no idea what they are doing. You can ask 3 different employees the exact same question and receive 3 different answers, and they will all be wrong.

Last week, I had a small business account, and I requested a debit card for that. We could not activate that card because of some online login issues (business account can not be accessed from personal account, and they could not help me to open a new profile). As a result, I had to close my business account. This week, I added a new payee for online transaction, as they emailed me to confirm to a phone number to stop fraud activities. I had to wait for a long time until I gave up in the phone. Now thinking to close my other personal checking/saving accounts as well.

Professionalism is average. Systems, Policies, and Resolution is the worst ever! On a Wednesday, I deposited a large check for the first time online, got notice that it would be on hold for 2 days. Then 1 day later received notice that check to be held for 10 days. I called the bank. Spoke with 2 managers: 1 at Manteca branch on Thursday, and he said he cannot do anything so he Deferred me to the Hold Department. On Friday, I spoke with the Manager there and he said he couldn’t do anything and that no one else can release even a partial amount because they have to verify and follow policy. It takes less than a day to contact the other party to verify checks, etc, and yet they delay an extra 9 days… That’s unacceptable. Plus Christmas is the coming Monday… Bank needs 10 business days which is on the 12/28. Absolutely ridiculous. I will not be depositing large checks there ever again. Poor resolution/service.

If there was some way I could give a -10 I would do so. Customer service has gone from bad to worse. The employees have been cut back so that for the work of two employees you have one employee! Hours have been cut from 9:00 AM to 6:00 PM on week days to 10:00 AM to 4:00 PM. Locations have been closed adding even more work. There is no way to get hold of anyone on even the local management level.

Been a customer of the same bank for my whole life. Was with Fleet then BoA when they bought out. I have two personal banking accounts, a credit card and my family business uses BoA. First I'll say the people I spoke to were nice, this is about BoA's ridiculous policy. I will say I was sent in circles for a little/call dropped once.

I've had an account with BofA 35 years and I'm retired from BofA. I deposited a BofA check from refinancing a loan to get Christmas cash. I deposited the check through the mobile app as I did the same thing last year. I made some important electronic payments that night as I knew they wouldn't hit till the next day and the check would have cleared. Instead BofA put an extended hold on their own check for 5 days! I've never had that happen.

Made an appointment between 2 and 2:30 PM on 12/12/23 with a Notary. Arrived at 2:04PM and told to take a sit. Waited 25 minutes only to be told she'd be with me after servicing the next person in line. Nine customers later, I was met by another notary who told me my notary went to lunch. This notary advised I needed a witness. My 30 year plus experience with BOA told me she could easily have a employee take a minute or two to do this, which I asked for. After some conversation, she stated she'd ask her manager. The experience was so horrible, inconsiderate, and wasteful, I left. I have lots of accounts tied up with these people and wish I could easily move to another bank. Tomorrow I'll start... My advice run from this bank!

Bank of America cashed a charitable check written to a church in Michigan at a Florida location in May, realized their mistake at the time the individual was trying to do it, and seized the money. (By the way, I don't believe any legal actions or criminal charges were considered for the individual involved and that the only action taken by BOA was banning that person from doing business with BOA for 7 years!) They have not yet returned the money to me, the church, or the check issuer, Fidelity.

As the title says Avoid This Credit Card Company. My Story... We were defrauded by a Dr. She did as it turns out an unnecessary oral surgery as stated by another 2 dentists that ultimately helped me. I was charged 3 times the going cost by other dentists (that I found out too late). Bank of America will not help at all! Isn't that a big part of why we use a credit card? Security & protection. This company will not stand by their customers. DO NOT TRUST THEM!

I have never given one bad review in my life. However, my experience with Bank of America today was unexceptional. I tried to wire funds without success on the website, app, or in the branch. After multiple visits to the branch, three hours on hold, and dismissed in the branch I was finally able to wire online. Then my accounts were all held for fraud with a message to call them. I called and waited for two more hours on hold. No success. Make sure to go with a bank that sends wires from the counter. Money still not wired. They said to try again after the weekend. WOW!!!

I deposited my checks into a Bank of America atm. The atm then shut down after tallying up the total. I call the emergency number and they say they see my deposit and it should be in my account in 2 days. Fast forward to 3 days later, I call they say oh no this is going to take at least 10 business days unless we file a hardship.. it will take 3 business days. Again Fast forward 3 days.. The hardship was denied. You have to wait the 10 days! I have been a loyal BOA customer for 14 years and once the money is put in my account I will be switching banks. The customer service is horrible here. They are all on different pages and have no idea what they are saying. The worst employee has to be Abby the claims manager. She made it a point to let me know "unfortunately our customers lie about amounts they deposit so therefore we won't be able to credit you". Run far away from this bank!!

Please don’t use this financial institution as your bank. They are horrible and the person Holly ** is the worst. If you have a problem they tell you to email her and when she responds it’s just a generic email not addressing your issue and they talk about scam and they are the biggest scammers. Please run and take close your accounts at this bank.

When it comes to any type of phone/remote support, there is NO BANK more frustrating than Bank of America. Their automated system is simply horrendous. The statistics they've used to make their "automated platform choices" are beyond outdated and irrelevant. We don't CALL YOU if we simply want to make a payment, or perform any other simple task. If you want any sort of customer service, don't bother with them and find a local credit union that doesn't charge ATM fees.

I have been a customer of Bank of America for almost 20 years. But off late they shut down all drive-throughs and cut back on all teller windows at their branches. I have been very upset with the teller situation at several branches. They cut back to only one or two tellers leaving customers to stand in long lines & waiting upwards of 10-20 minutes for any teller service. The other staff is doing a good job but they can not work as tellers as they do not have the access. I think this bank needs to find out and fix these issues before they start losing clients in huge numbers.

I recently opened an online account with Bank of America. They decided to close my account without any notice and have been holding my money. This is a business account and needed for bills and business expenses. DO NOT BANK with these crooks. No one will help me or give me a viable answer. They should be closed down.

My former employer was able to retrieve my paycheck from my account through their bank to mine. Because I quit. Banking with Bank of America it's like being in a third world country. I would go with any other bank instead of them.

I paid my bill through my bank as normal. My bank informed my it was returned by BOA. I then got a bill a few days later with a $39 late fee. If they had just processed my payment everything would have been fine. Tried to talk to them, but after 45 minute wait time I just decided to cancel the card.

I have been banking with Bank of America for nearly 20 years. Started this account as a late teenager. I've previously worked for them and currently work for the world's largest airline. I attempted to deposit a large check in excess of 10k (3rd Party Claim) into my primary checking account via teller and the teller advised she couldn't negotiate the item because it was signed in a different color ink, this is false. I explained to her that nothing is wrong with the check and that the account owner (my attorney) signed and offered her to call my attorney to resolve any reservations relating to this item but she refused.

I've been a customer for 18 yrs. I am so mad. I deposit like I always do a few checks at a time in ATM machine. 1 of my checks totaling $2260 wasn't showing as deposited. The machine takes my check and doesn't give it back. I go into the branch to speak with them. No one is willing to help me. It's Thanksgiving week so I'm super concerned is it going to deposit it in someone else's account who uses this machine next? Is it gonna spit it out after I leave? It's signed. You know the worries. I go home within 30 min of being at the bank. I'm on hold with customer service for 45 minutes before I can make my claim. The lady on the phone can't tell me when it will be resolved or when I'll get a temporary credit etc. So I call the next day to make sure my claim was filed correctly. The drill lady says, "Ma'am it's Sunday. The claims dept isn't open today. Call back tomorrow morning."

We were victims of a fraudulent Zelle transfer. We got a call from Bank of America (it came up as this on our phone) stating someone tried to use Zelle to transfer $1300 from our account. I was very flustered and upset, so I followed his directions. I called the bank fraud department an hour later and learned that the caller was a scammer. We were told the money would be returned to us within two business days, although when it wasn't I called back. I was then told it would be 10 business days, and when it still wasn't there I called again. This time I was told my fraud claim was denied. We were unable to make our house payment because of this, and are now on notice from them. I am angry and frustrated, and very disappointed. I have had this account for 18 years, and don't appreciate being treated this way.

Some went up to a live teller at a branch upstate and withdrew money from both savings and checking. The claim was rejected because it says we did not report the stolen ID. A year ago we did report and theft and they issued new credit cards and debit cards. Now a year later they let someone withdraw over $1000 in funds from a live person and they claim they are not responsible?? This is unethical business practice and have lost all confidence and trust in this despicable bank. How can anyone trust them with their money. I have been a loyal customer for over 20 years.

The associates are like trained robots where in they do not really want to hear what you have to say, BOA makes debt collection a priority before customer service. In my case, I had missed exactly one payment because I was overseas and didn’t have Autopay setup, and was having trouble resetting my password online.

Even though Bank of America is a good and safe bank, and easy to use, their phone access to customer service is extremely poor. There is an automatic robot that answers, and getting to a real customer service rep is an ordeal. The robot does not have enough options to cut to the chase and get where one needs to be. Generally, one has to wait hours to get to where to solve a particular issue. Once you talk to a real rep, they are generally accommodating. But the automatic system is a disaster. They make you put your phone to put in in the 'queue' to call you back. When one receives the callback, they leave you waiting, and their phone hangs up! It is overly frustrating to call BoFA. They need an urgent fix in their phone customer service service.

I tried to wire funds and their system is very complicated, web interface is poor. Online banking is an absolute joke. Customer service is worst and I have experienced multiple times that they don't value customers. I am very dissatisfied and sad having to call this my bank and now I am putting my reviews wherever I can getting out of this bank. I will never and ever make an account with this bank and will tell my friends and family to get away from this.

Online banking is useless. Always charging fees. I am closing my account. Every time I call can not get any representative right away. Always long hold. Worst banking experience ever. Charges unnecessary fees.

Bank forces NFC TAP cards on customers. No regard at all for what the customer wants. If you like these cards, fine, but know this. You have ZERO security. If someone finds, steals, in any way gains access to your card, they can go on a spending spree "tapping" everywhere. No ID, no PIN, no password, no credentials of any kind are required. NO SECURITY AT ALL! And no choice, that's the only card they will give you. They refuse to provide a secure card, they refuse to disable the feature. Other banks will either disable the feature or provide a secure card. Not Bank of America.

I called over 4 times to submit a problem with my CC. And each time I am on hold for 45 minutes and then hang up before I get an associate on the phone. They say they appreciate people's time but leave you on hold forever. Really bad experiences.

I brought my wife to add her to a checking account with all the proper ID. They refused to add her because I have had my best friend also on the account who lives overseas. They said we all three needed to be present together to add my wife. Solution - leave Bank America as they can spend millions on stupid ads in the newspaper but they can't give service. Leave before you get frustrated. I have been with them for 15 years - never ever again!

Bank of America tend to gaslight their customers. I have been with bank of america for 8 years, and they transferred my money from my account to my savings account that became -$160,000 overnight. They also took a few gra. from husband's account. I'm upset because the negative account mysteriously showed up on my account. B of A left me moneyless, and still had the audacity to tell me I had to pay off the remaining balance, which is $14,000. I do not recommend Bank of America. They are very sneaky with our money. They also don't care for their customers. #bankofamerica are imposters. Now I have to start from scratch to get to where I was with my income. I will be filing a police report