Bank of America Credit Cards Reviews

Called to cancel my card and was given misinformation by the poorly trained customer service representative. One month later they are attempting to extort money from me for the annual fee plus interest. I have always paid in full and on time but they are treating me like a criminal, sending me to collections, refusing to stand on what their representative told me the month before. They always make sure you know they're recording phone calls but that's only for their protection, not to help sort out a poorly trained representatives' conversation.

Customer service is nonexistent. I have been placed on hold more than once in order to talk to a live agent and have waited 20 or more minutes. I have been given the wrong numbers to call for help. I have been hung up on. Finally on the third try, I found a helpful agent. she opened a case for me. The case resulted in a one sentence letter that said there was no issue. The letter had no point of contact, phone, number, or any information on how to discuss or resolve the matter. Bank of America failed to honor its reward program for Celebrity Cruise Lines. Subsequently, I have since canceled my credit card due to this extremely poor customer service. It doesn’t get any worse than this.

I am so disgusted with Bank of America. I have had them since 2008. I have three checking accounts, one business account and a savings account as well as a credit card and vehicle loan. I went to use my credit card at the supermarket on the Fourth of July when they tell me my card is not authorized on July 3. They canceled my card and closed it with no reason. They will not give me a reason. I have an 800 credit score. Have never had a late payment with them pay due. After calling eight times and getting no resolution or response from them. I feel that they are targeting me and our prejudice because I’m of ** descent.

Bank of America has exhibited a pattern of treating their customers poorly. Their customer service does not advocate for the consumer. They refuse to support and make common sense decisions and authorizations in relation to customer concerns. Bank of America customer service agents display a lack of empathy and disregard for customers who have chosen to close all their Bank of America accounts. These instances highlight a significant failure on the part of Bank of America to prioritize customer satisfaction and provide the necessary support. It's a disgrace. They bastardize the word America as they are not for any American who allows their hard earned wages to be transferred through that **hattery of financial services. I encourage Bank of America to address these issues promptly and take appropriate measures to improve their customer service experience.

When you need to call them for information about your credit card, they do their best to discourage you -- that is, to prevent you -- from speaking to a person, live. Around and around, asking you to choose options, stating they didn't understand what you want, more options, more demands, then, after 5.5 minutes or so, "We're too busy to speak with you, call later" or "We'll call you later." If it weren't for the changeable 3% cash back, I would drop this card immediately, because their obstructive non-service attitude indicates they don't want my business.

I recently applied for a credit card through Bank of America because the rewards structure fit a purchase I was trying to make. I am an existing Bank of America customer, so we have a history, hence it makes absolutely no sense for them to have run a hard credit inquiry on me when I applied for this card. One day I noticed my FICO score had dropped 25 points, and it was directly related to my application for this Bank of America card and their hard inquiry on my credit history, which is one of the only factors in my credit history that has lowered from my score from the excellent range. Since Bank of America has put a black mark on me, I am here today to put one on them. Thanks for lowering my score, I hope this one-star review lowers yours!

I was trying to make an online purchase that was not going through. I waited on hold/upon connection to a representative I was hung up on. I could hear the representative talking to a co worker for about 10 seconds; then a frustrated exhale. Click. Do your job; very poor customer service.

I applied for a credit card in early April 2023. On April 13, 2023, I received a paper letter from Bank of America telling me they need further documents to process my application. The letter said I can go to a physical branch and show them the required document. I made an appointment and went to a branch in Cambridge, MA the first Friday after receiving the letter. The branch representative made a copy of the document and said everything is ok. A few days later, I did not receive any notification so I called Bank of America. After talking on the phone and waiting for about an hour, somebody told me the documents have not been uploaded into the system and I should visit a physical branch. I made another appointment and went to the same branch in Cambridge, MA on the following Friday, and told them the problem. They assured me this time the documents have been uploaded and everything seems ok.

For years I have OVERPAID my balance as they do NOT make clear what is 30 days old versus what would normally appear on the following months statement. So today, for 6/2 I paid way over again. I called and the person answering could NOT be clear what was due, versus what was owed. Due was for the 30 day period about $1,200, but she kept saying $9.75 or some version of that. Only result was that is was not clear. I hate BAC they are crappy or worse in leading clients to overpay; hence; BAC makes more money. Daniel **, NC

I called the bank to request an increase on a card prior to doing a transfer from another bank. Instead, they decreased my card by 10k with no explanation. I called to find out why but no information is available. Decision is made by a computer. Everything else related to my credit has been improving. I also have a significant amount of expenses $ owed to me that I will be using to pay down balances. Simultaneously my credit rating dropped from excellent to good. I had to reapply to have the limit increased again and there is no way to add in notes to the application. How are customers supposed to manage their credit when no information is available and the system is so inflexible. Both the bank and I lost in this situation with no way to impact or even provide feedback.

My BOA credit card balance was over-drafted by auto pay. I then reached out to the BOA credit card representative and was told they have refunded and sent a check on March 8 in the amount of 4401.92. I have not received the check yet. I reached out to an online credit card representative multiple times and was told the check will be re-issued; that did not work and then I was told; it will be electronically deposited and it did not work either. After that: I went to the branch and after a 2 hour phone conversation; I was told the previous payment was stopped and was told they will re-issue and I will receive it in 2 weeks. No confirmation if the check was issued or not is provided and unsure what is happening with my refund.

How dare you waste over 6 hours of mine trying to resolve the fraud that your bank allowed to be committed against me. Your safeguards and ability to confirm that a person is who they say they are are horrible. You allowed somebody to open up a credit card in my name and are doing next to nothing to make me whole or rectify the situation. You've lost a customer for life.

My card was hacked and cancelled. I am still waiting for the replacement after 10 days. A visit to a local BOA and multiple customer service calls and emails still no card. First person I talked to asked me if I knew who hacked my card. I said no and his response was “really?”? Customer service sends me a verification code. I tell them the code and they tell me, "That’s not the code." BOA claims the cards were sent via UPS who cannot tell me a delivery date. Are they in trouble financially? Why are they acting this way? Did they just attend a seminar learning to be suspicious of all customers?If they are so suspicious why can’t a new card be issued from the local bank?

BOA phone rep sitting at home wouldn't reset online tools so I could pay bill online unless I gave her my bank info to Truist. I declined & was forced to go into branch to pay at counter. The background is that I made a manual accounting error when I used their online tools to submit payment on 1-13-2023. The payment didn't clear. I went to my own bank to see what happened because I had received a payment confirmation. I got everything resolved and then tried to once again make payment online via bank of America website. I reset password several times and couldn't log in. I call customer service to see if someone could reset account so I could log in to pay. No one would reset account unless I gave them my Truist routing and bank account number to deduct payment. I got irritated because I had a different issue with BOA in the past and swore to never get another credit card through them.

One of the worst speech recognition, not well programmed to give proper options, and no option to bypass the system. It takes forever to get to an agent. This is for Bank of America small business card. I am closing the account soon. If you are a small business I would not use them, wastes precious time.

Heaven forbid that some company will scam you and you used a Bank of America credit card for payment, because THEY WILL NOT PROTECT YOU. They will make you think they will by removing the charge when you submit the dispute and then later decide to uphold bogus fees against you based on a company's policies that is the 3rd party of the company you were directly working with. Even after submitting proof, they will still side with the company against you. Get credit cards from really ANYBODY else. I have a credit score over 800 and they still put my APR at like 24% which is ridiculous and then on top of that they don't protect me from scams.

Someone had opened a card in my name and when I immediately called once the inquiry hit my credit, the BoA rep assured me that they did not open a card. I then received said card in the mail and clearly it was opened. Then I called and waited over 30 minutes just to speak with another fraud representative. I wouldn't open an account with a company like this on a bet.

I was ban of applying for a credit card with this bank for no reason… my recent credit card application was denied due to “revoked status” but they did pull my credit report and put a hard inquiry on my Experian credit report .. my last credit card I had with BOA was in 2016 and closed and paid off no past due .. I already call the credit bureau. They remove the inquiry. I will never do business with BOA. Hello Wells Fargo!!! Stay away from Bank of America.

This ruined my credit and it dropped almost 150 points. I can't get a home loan and my wife is going to leave me. My credit card account is set up on auto pay and your autopay system malfunctioned. For some reason, the account stopped auto-paying my credit card. I have had all of my credit cards auto-paying with you guys for years. I have the same bank account hooked up to 3 other credit card companies with 0 issues. All of these accounts are set up on autopsy. They don't return my calls and are very rude when I call.

I'm have Bank of America reward cash credit card. I'm didn't use the card over one year. Bank of America close my card account and lose all my cash reward around $6,000. I'm see this is not fair, BAD.

Bank of America cancelled my payment and sold my credit card to First National Bank of Omaha. This new bank added hundreds of dollars in late fees and put my account into collection only 9 days after my original payment was due. My payment was "late" because BofA cancelled it! First National Bank of Omaha is extorting me for money I do not owe...this is a scam...do not trust either bank. If you have rewards use them up and close your accounts!

Complaint against Bank of America **. I opened an account on October 19th informing me that my credit card was on the way. I then received a confirmation email on the November 4th informing me that my balance transfer request was approved and that the transfer would take place between 2-4 business days. I received an additional email to inform me that my balance transfer was processed on November 7th falsely informing me that my balance transfer would be completed in 2-4 business days.

I was a customer for 15 yrs. Always paid bills on time. Once or twice late. One or twice carried balance over. Redeemed my reward points. 15 days later on Halloween go figure. They canceled my accts. When I called given no info. Rec'd letters saying it was a business decision. They claimed I was too high risk. So I guess if you have excellent credit, pay bills, receive rewards, you are a risk so if you're a dead beat get their credit cards. If you have good credit stay away. They are doing something must be illegal. They sure are run by fools. No answer and won't correct their mistakes.

First of all, they will only talk to primary cardholder who isn't available during banking hours and wait on hold forever for nothing. They gave super low limit after being preapproved! They put a fraud alert on card even though they were told during the phone call they wouldn't accept that charges were legit. Will cancel card soon and replace. At least I could understand the rep. Do not recommend.

I paid credit card balance in full on 9/23/22. Using the app and logged in, I made an error of paying $20888.11 instead of$2088.11. I canceled the payment immediately and proceed with paying the correct balance of $2088.11. The next day, checking my bank account, both sums were taken off my bank. Called BOA, to find out they put a hold on my $20888.11 for 10 business days and will not refund my funds to my bank until 10/5/22. Now I must get loan from my bank to meet payroll and other business obligations. How can they take money for payment that exceeds the balance? Why does it take 10 days to return money that they took in seconds? It looks like theft and I there was no one at BOA to help. Terrible!

Was a three year customer with BOA. WAS NEVER LATE WITH PAYMENT; Last month I was traveling extensively and was late a few days for payment. They flat out refused to reimburse a $29 later fee as a one time courtesy. I closed my account as a result, not that they care; Don't waste your time or money with this stingy ridiculous bank.

I don't miss payments and my credit score is valuable to me due to my business. There was a card I don't use that had a charge come through for $25 while I was in the middle of moving and changing my address and bank. I went online and quickly changed all of my information. They decided to not allow the auto pay transfer and allowed the charge of $25 accrue interest. They never contacted me which I thought was strange. I didn't know there was a payment not going through and they let it run out over 180 days then charged off my account.

I closed this account with zero balance and due to a clerical error in which an employee had to refund me $200 she took $200 from a close credit card and put it in my bank account without me knowing it. Now two month later I get a letter from Bank of America $294.96. I have explained to the credit card manager who says Felix ** that I requested $200 from a closed account to put in my bank account. That is obvious a human error on the bank or their credit card employee. I find that this credit card Word Elite Mastercard by Bank of America is risking the customer credit history with these kinds of mistakes and employee. When you call to complain they just tell you that you owe the ridiculous amount of money when you believed you closed the account with zero balance. It cost them with me at least my business because I closed all my accounts with Bank of America. It is really a shame this way they have to conduct business.

I made payment for my credit card and Bank of America said I made another payment. I never made the payment but I took their word for it that I did make it in error. I have called Bank of America seven times this week with no luck at all.

So, yesterday I received a notice about a disputed charge that dates back at least 2 months, that they need more documentation about. I have an email from one of their reps indicating that they had credited my card back then, and thought my case had been ratified by now. I try and look up that charge on a past statement, but only the last 2 statements are listed on my account online. They're closed today and have limited telephone hours of operation (it's Sunday).