Bank of America Credit Cards Reviews

I had a balance transfer in November, and BOA closed my account in December before I even got my card, claiming I reported fraudulent activity—which I never did. I couldn’t pay online, they weren’t sending statements, and I had no idea my payment was past due. Then they called me at work—not my cell, even though they had it on file. I paid with my debit card, thinking it was over. Weeks later, I waited 37 minutes on hold only to be told I couldn’t pay with a debit card. Customer service was a nightmare—they wouldn’t let me talk and then tried to lecture me with, “If you’ll let me explain.” Bottom line: Avoid BOA. Terrible policies, worse service, and zero common sense. There are countless other banks that don’t treat customers like this.

I strongly advise anyone in the Oyster Bay area to avoid the Bank of America branch in Oyster Bay. My experience began with opening a checking account, which was mishandled from the start. The process took over an hour, mobile banking was not set up properly, and my phone number was entered incorrectly, preventing me from accessing security verification or speaking with customer service. I had to return the same day, then again the following day, to correct ongoing errors. No proper notes were entered on my account, forcing me to repeatedly validate my identity in person.

Worst customer service ever. You wait on hold for 30 to 40 minutes for them not to help you and tell you that you have to pay your bill online which you cannot pay your bill online. It's just the total mess. Would never Bank here again. Unfortunately I've been with him for 20 years and definitely.

First off, I would like to say that BOA credit card promotions pulled me through a tough financial time. They were great and didn't have an issue. Until...I had a zero balance. Their autopay continued charging this monthly amount of $1k. I was understanding on this first one because BOA does not have a simple autopay rule and their payment setup is more complex than it needs to be. Whoever approved or put it together could care less about the end user, IMO. Because the cost was minimal to me, $2 from my bank, I wasn’t concerned about the fees I was charged but waiting 7-10 usual business days was a pain. What if this was financially causing me issues? It could have been a situation to not pay something I had money for but didn’t because of this.

I had auto pay turned on and I made a payment early. They processed the payment but did not change auto payment amount so when that was due they took the entire statement balance not including the $19,000 early payment out of my checking account. This caused my bank account to go negative so now I am being charged overdraft charges from my bank. I reported the issue over 7 days ago and as of today they have not processed the refund and told me it may take another 10 days to process. No other card I have handles auto payments this way. It is the worse credit card to own.

Bank of America kept denying my credit card. I called them three separate times and they said they couldn't figure out why this was happening. Eventually the only resolution they could offer me was to tell me not to use the credit card. That's it. That's all they've got. How bad is that?

If I could give 0 stars I would! In early December I paid off my card and ended up overpaying $39.00. The following month (Jan 2026) they did an automatic payment of $95.00. I called, after waiting 45 minutes on hold, and I asked why my bank account was debited $95.00 on a 0 balance. APPARENTLY if you are enrolled in autopsy, your account keeps deducting from your bank account until you STOP autopay. WHAT!?!? So after all was said and done they said that I would need to call back once the payment posted and they would cut me a check for the overpayment and I should receive it in 10 to 14 days. So I did call back the very next day. THEN! The very.. next.. day..I get an email saying I have an amount DUE of $17.74!!! For interest on the balance of my card, which if you didn't catch, IS 0 DOLLARS!!! I am beyond livid....I will be making ANOTHER call again today...

Trying to use my rewards money at Amazon. It let me use it before at Amazon and now it won't. I called and asked for help. She said it could only come as statement credit or check. What the heck? Why it still shown as an option? The app often has a bug. I'm not satisfied at all and the representative had no clue

B of A made changes to the terms of service in the middle of the year. I had to option to cancel the card or accept the new terms. I was on the fence about what I would do but they made the decision for me. In October, I attempted to use the card online, but the charge was denied because of wrong security code. I attempted the charge 3 times with all 3 results denied because "I entered the wrong security code". I did not enter the wrong security code even once, much less 3 times in a row. That made my decision to decline the new terms.

I am a 46 year customer. I was charged $223 for a purchase I didn’t make. I never charged the items Walmart said I charged and I never received the merchandise that Walmart said I received. Bank of America rejected my claim. This is a terrible way to treat a customer of 46 years!