Bank of America Credit Cards Reviews

Terrible autopay process possibly purposeful to exploit fee system. There is no reason their app and website is so terrible if not to exploit consumers for the fees. The app is constantly shoved in my face when I need help yet I'm told I need to use the online version and I was not set up in things properly. It is insane. Chase is so easy to use on the other hand, Amex, even my internet and electricity company are better managed, would not want BofA to even manage the website of a lemonade stand.

I have a Bank of America credit card, and while it functions as any CC does, you cannot enable an autopay series for anything but the bare minimum payment due or the full balance of your card. I called their service team, and they confirmed this is the case. You CAN issue one-off payments manually, but let's be real: who has time to do this every month? Ultimately, what it does mean is that even when you're current on your bill, you're likely to hold a higher balance for longer, which in turn means higher interest charges and thus more revenue for BoA. I find it incredibly difficult to believe this is not done on purpose, and it's just an insanely outdated system and malicious.

Pathetic service. Been a customer for 25 yrs but now definitely jumping ship. Online purchases using BoA Credit Card is a real pain. They typically need additional verification... Normally I would say this is good. However their process takes 1-2 hours minimum. I recently wasted so much time on phone with them to validate a $30 purchase, and finally ended up making the purchase using Chase Credit Card.

I activated a new credit card and left it at my house. Unfortunately at the same time numerous contractors were there doing work for several days. An unknown person took my card, used it for $220 and returned it the next day. I had no idea it was used until I got my first statement. I charged approximately $1,200 of valid charges. Bank of America refused to credit my account for the $230 even with a different person on video and a different signature! If you ever have a fraud complaint, good luck! Find a more trustworthy bank!

My credit card account was closed without feasible cause or explanation. It showed a late payment that I had accidentally used a recently closed checking account number. I spoke to a rep and she ended by saying it was fixed. I called to ask what was going on, the rep said he didn’t know and that they never reopen an account after closing it. I have NEVER had this happen and I’m 68 years old!

Been using BOA credit card for eight years. Have autopay set up for full balance on due date, and significant overdraft protection with Chase. Suddenly in January of 2025 they began charging me interest even though nothing had changed. I received a variety of explanations from customer service, but they did reverse each charge the first three times it happened and vowed to escalate the situation to tech. The fourth time this happened they refused to reverse the interest charge, stating that although I authorized payment on the due date, the money arrives to BOA the next day and is subject to interest charges. Are they kidding? Nope! I have multiple credit cards with Chase, Citibank and Apple all set to pay on the due date and do not have this issue.

I have American Express and Chase credit cards and both of them are extremely efficient and effective and punctual. I have a Bank of America card, but I almost never use it because they are the absolute worst at customer service and antiquated. I’m trying to pay my bill and their banking system is so outdated when trying to use any type of routing numbers so I sat on the phone for 45 minutes and just gave up. I did that a few months ago as well. It’s atrocious. Then when I go to the bank to pay it in person, they just say oh we can’t help you. You have to get back on the phone and sit there like a jackass listening to that same stupid sales pitch over and over on the recorded l twilight zone they stick you on.

Extremely disappointed with Bank of America’s customer service. I paid off my full credit card balance of $4,770 before the next billing cycle and yet I was still charged a $42.13 interest fee. I called customer service thinking it was a simple fix, but instead I was transferred from one department to another for almost an hour with zero resolution.

The ONLY reason I use BoA is for the Alaska Air benefits, but I have increasing doubts that it's worth the incredible hassle. Corp account charges are confusing and difficult to navigate. But, the worst part is trying to call in to get assistance. I've always had trouble, but today I tried calling multiple times and it would not recognize the last four digits of the account. I tried 15 times to enter it by keypad or by voice, speaking clearly and loudly. Miraculously, it went through eventually.

If I could, I would give zero Stars for the BOA credit card department. I have dealt with a case from Jan 2025-June 2025. I was billed for something two times when I should only be responsible for the one service I received. The case has been in and out of disputes 4 times after spending endless hours on the phone being passed around - improperly being transferred, communicating with employees that cannot speak or understand English - It has been a nightmare.

When I try to dispute, it took over 15 days to even review. I called to complain to the Associate who responded, "they should have already done that." It went passed my monthly statement which was 15 days later. After the complaint, they reduced my credit to 1/3rd. This causes my credit score and FICO score to go down. My app won't even accept payment for rest of my account. I called three times and was told your bill pay was reset so you can use in three days. Still doesn't accept my bank for my new account but is still there for my old account.

I’m 62 years old and I can honestly say dealing with Bank of America Credit Card is the most frustrated I have ever been in my entire life. If you have a fraud event, they make you come into a branch and then they often make no note of it and make you come in again and again and again. They are beyond incompetent. Go to American Express where customer service is taken seriously!

I made a purchase with my Bank of America card to a company called get your guide. It was for tickets to the High roller bar in Vegas. Come to find out they were a scam. I did a dispute with BOA and the next day a credit came back on to my card, we thought it was from the company who scammed us, and it was a provisional credit from BOA but never stated who it was from, so we were happy that we saw the money returned and we closed the dispute, the next day the charge was put back on to our card by BOA and I called them they told me I have to do another dispute, and this time they need all conversations with get your guide and a copy of the statement and other paperwork that I went and printed it all out and sent it to them.

I applied for a credit card with Bank of America to be used with Alaska Airlines. It was a time sensitive offer for $300 plus companion savings. I went online to set up by account. After being approved, the website would not let me set up automatic payment. I called and the representative said my account was flagged as suspicious activity so it was temporary suspended. I explained I tried to use the card for an online purchase since the digital card was sent to me online and said I could use it. He said I should wait until I receive the physical card.

I am refuting a charge on my BofA CC. I have received no help from the BoA. No one to talk to, they keep referring you to representatives that don't get it. After 5 phone conservations with BofA people that don't care about loyal customers. I am done with the Bank. The last person I talked to (after my totally upset call) was, "have a good one."

Title: Disappointed After 17 Years – Loyalty Means Nothing. Review: I’ve been a Bank of America customer for over 17 years, and I’ve never felt more frustrated and unappreciated. I have their Cash Rewards credit card, which barely gives any worthwhile rewards anymore, especially compared to what other banks offer. I asked for a product upgrade to a travel or miles card, but was told it wasn’t possible—no solutions, no flexibility, just a flat-out refusal.

I was a good customer of Bank of America for 30 years. This past year I made a purchase on my credit card and got scammed by the vendor. Item was not what I ordered. Bank of America denied my dispute despite my proof that I returned the item per vendor's requirements. They fought with me and I finally paid off my card and canceled it. I will never do business with this bank again!

I was given a rented car whose front bumper was held on with a few rusty old sheetrock screws. The car was parked nose in to a fence, I didn't notice. The documentation is many pages and is so clear I was in the right. Even Budget knows I am in the right, they refunded the $148 claim that was directly through them. This proves that they know I'm in the right. I asked Budget Rent a car why they didn't tell me this before they gave me the car. The reason is because if they made me aware of this I wouldn't have rented the car. The reason I use a credit card is to protect myself in case something goes wrong with a purchase. The Bank of America is 100% clearly wrong here. Even Budget Rent a Car knows I'm right. I will not leave this. I will not give the Bank of America any business ever again. I will be certain to post this wherever I can.

Had this card for several years. I did a balance transfer last year of $15,000 and paid it off six months early. Right after I paid it off, Bank of America canceled my card and locked me out of my account. No email warning me, no way to tell until I waited on hold for 40 minutes to get connected to a rep. I was told my account was closed for high credit card utilization, derogatory statements on my credit, and late payments, none of which is true. My credit score is in the 700s, my utilization is under 10%, no derogatory statement and 100% timely payments. Obviously a mistake on their end. But Bank of America would not own up to it - just a, "sorry, there's nothing we can do." Terrible management and customer service. I would expect this from a rinky dink credit card, but not from a major US bank - though I can tell from their reviews, less than 2 stars, I'm not alone. Shame on Bank of America.

Absolutely disgusted. Needed to dispute a charge. I did not receive an online order. MONTHS of calls and back and forth from this credit card. I have been with them for 25 years. I have an 800+ credit score. I pay my bills on time. Spent hours on the phone dealing with people. The last person actually told me to disregard the letters sent to them in the mail. To also disregard what the last agent informed me of. He refused to let me speak with a supervisor after making these claims. Utter nonsense. Put me on hold for 30 minutes when I asked for a supervisor. Then told me I needed another department.

I have had a credit card account with Bank of America for decades, with no real problems that I can remember. I have had a spotless record with them and built up a large credit line. This year, I had a billing dispute with a ticket scammer, and BOA failed miserably to protect my interest. They failed to investigate my claim, simply taking the "merchant ticket scammer's" word that the transaction was legitimate. I was planning to buy tickets to a performance by Shen Yun, a Chinese cultural show I had seen advertised for years. I went on the Shen Yun website several times to check out show schedules and ticket prices. When I decide what show I wanted tickets for, I went back on their website - or so I thought - but I accidentally clicked on a different website also advertising Shen Yun tickets, and that website looked identical to the Shen Yun website, but it belonged to a well-known ticket scammer.

I’m well aware banks can close your account on any whim they may have, having said that their poor excuse for closing it was disappointing as well as pathetic. My card was paid off which I assume is what the bank does not want, but that wasn’t the reason, it was due to their view that I had too much revolving credit…which I don’t…but that’s not their concern. In my opinion I would avoid this bank unless you're willing to please them by carrying an enormous amount of debt and pay small amounts over a long time.

I got a corporate card through Bank of America and nothing ever worked. Their website to activate the card was constantly having problems, the phone line to call and set it up disconnected me multiple times and it took me hours to activate a single credit card. The level of incompetence demonstrated by Bank of America is nothing short of criminal.

The credit card does not allow autopay or setting up a fixed amount payment. The credit card website is very confusing, and it's very hard to find anything like setting up a fixed amount pay or anything. Customer care is very bad. You have to wait for a long time. Their password setup is also horrible.

I set up auto pay. It worked. But, for some reason, BofA missed a month. My bank account had plenty of funds. They didn't communicate the missed payments. Then they charged me fees, interest over 2 months, and gave me a bad report on my Credit Rating. I called them. It was a pain. They were not helpful. Sigh.

Awful. Terrible customer service. I was a customer for more than thirty-nine years. I opted for paperless. They used an old email to send a statement on an account I thought had a zero balance. The balance was nineteen dollars. The email kept bouncing back to them. They never used the backup email on record. Instead, they reported my account as sixty days late and my credit score dropped seventy-five points. First then, I received the letter and called. After being on hold for more than thirty minutes twice, I finally got a person in TX. When I asked why they did not use the backup email, or call or send a letter, I was told - they have thousands of customers. They don't do that. I am working with both credit bureaus who agree with me that this is ridiculous. My credit score has always been excellent.

I was a long term card holder (over 20yrs). I paid my credit card bill on time and had an excellent credit history. I used the card very regularly for my day to day expenses and had a high credit limit. Out of the blue they decided to close my account saying they needed more of my personal information which I refused to give over the phone. Now I get applications to get new card at a fraction of the credit limit I had built up. Customer service and loyalty is a joke.

Customer service is TERRIBLE! They do not care about their customers. I have been a customer for around 10 years and they used to be much better. Lately they have been pretty bad. Do yourself a favor and go with another credit card company!

The worst company, period, that I've ever dealt with in my entire life. I was on hold this morning for 28 minutes and finally just hung up. As a special treat, the customer also gets to hear the same 10-second loop of the most inane music imaginable over and over and over and over again. Apparently this company isn't familiar with the concept of callbacks. I never did talk to anyone. I ordered a Visa card elsewhere and will toss the Bank of America card forever. BUYER BEWARE.

I’ve been a cardholder for 30 years and my recent experience with BoA has made me question if I’ll continue using any of their services. Here’s the short of it. I wanted to set up autopay for the full amount of my monthly bill, so I called about two month ago and set this up with a “specialist”. After receiving this month’s statement my spouse asked that I call and double check that everything was in order. Well as you might guessed by my rating the “specialist” had set up only minimum payments to be drafted each month and not the balance. Very disappointing. Had I trusted the “specialist” or ignored my spouse BoA would have collected the late fee and interest. If you deal with BoA ask for an email reviewing all requests.

My family has had a business credit card with them since 1994 and it means absolutely nothing to them. After my parents passed away the business kept running just like always until I had a problem with our card. Nobody in their company knows what the other is doing. One tells me they have my information and the next won’t even talk to me because they can’t find me in the system but then they decide that I have died also and have to drive to the nearest bank to prove I’m alive only to be told that they are closing our account and I would have to reapply if I would like another card. 31 years of business means nothing to them. If I have to apply again it will be with another company. The only reason they got one star rating is because that is the lowest you can give. Do yourself a favor and take your business elsewhere and save yourself the trouble down the road.

I waited 2 hours to get access to a live agent to discuss card transactions to be told they could not assist. I was then transferred to the fraud department to another ridiculous wait time to get assistance.

I have been a preferred client of Bank of America since 2022. I had two credit cards with them with two very high credit limits, one fifteen thousand, the second fifteen thousand. Used my cards responsibility, and always payed my bills on time. Last month I transferred most of my other credit card balances on these two I had with Bank of America. So, I spilt half and half on both cards. A few days later I noticed that on both credit cards they lowered my credit limit to really nothing left available only two hundred on my card and three hundred on the second card.

Had over 16K worth of debt, worked out a HS program for 6 months with them, reduced rate. HS was due to a medical issue, never a late payment for over 10 years. I was into the program for 1 month and I was able to secure $ for a complete payback, 0 balance! Called to make sure everything was paid and was told that the account will be closed for the next 5 months. Made my way up the food chain to the head of consumer credit. One of her minions told me there is nothing she could do to get the card active (that's the Policy) and I can call back after the HS program is over and after a REVIEW they will decide if it will be reactivated! Do you really ever think that I'll use that card again? I had a Discover card that had over 17k that I paid off at the same time and it was active the next day. BOA card is cut up and in the trash, Never again, Beware. I don't believe any of the positive reviews for this co, shills or A1 generated to be certain.

We have been arguing with BofA about a charge on our Alaska Airlines cc, for two months, we keep telling them it the charge needs to be reimbursed and they keep making us jump through hoops. We pay the bill yet they won’t take the charge off. If you live in Alaska and use them for the miles,,,,look elsewhere,,,they are not a customer oriented company,,,,

Worst credit card company and service ever I used my credit card often and then after I paid high balance they automatically reduced my credit limit. They are your typical large company that only wants your money.

BoA has the worst customer service on the planet. You cannot get through to them on their phone. It doesn't matter if you wait for an hour or more. They will not answer their phone. Makes it impossible to redeem Credit Card Rewards or even get a hold of somebody to talk to you about your credit card. I will never get another credit card from BoA. And they've been this way for a long time. They obviously don't give a rat's ** about their customers and they don't plan on doing anything about their screwed up phone system and their app that doesn't work worth a damn.

Do NOT use Bank of America credit cards! I was flying from Frankfurt to New York (JFK) on Singapore Airlines on January 3, 2025, and then from JFK to Boston on Delta. On January 2, I purchased one item of baggage from Delta Airlines on the January 3 flight from New York (JFK) to Boston for $35, but the bag never made it from Frankfurt. I disputed the charge with my Travel "Rewards" card, and the bank turned down my claim, essentially stating that I should pay an airline for carrying a bag that never appeared! I have had this credit card for years, but in the past year or so their system for disputing charges clearly implies the customer is always wrong, and this incident demonstrates their new attitude and practice. I called Delta, and they reimbursed me the $35.

I am a new bank of America customer. Made the purchases in the time frame needed and still didn't get the promotion. Customer service takes hours and doesn't have the ability to help. Payments are not processed in a timely manner to free up purchasing power. Lots of disadvantages to this card.

I have several B of A accounts. In particular, I have a B of A credit card which is on autopay. On the day the statement ended, I went online and paid the entire amount. A week later, they tried to debit the statement amount from my bank as I was on autopay. My bank caught the duplicate payment and refused the charge. I immediately unsubscribed from autopay. A week later, they successfully debited the entire amount ($8300.00) despite the account being no longer on auto pay, and with a zero balance. It took me one hour on hold to be told that they legally had two billing cycles (two months) to return my money. They tried to tell me that that's the way autopay works and that it was my fault. I immediately filed a complaint with DFPI (Dept of Financial Protection & Innovation) and hopefully we can get the laws changed that regulate banks. B of A has a bad reputation that is well earned.

I applied for a credit card while traveling on a flight. Had I known BofA was the supplier, I would have never applied - they are so unreliable. I received an email from BofA telling me my credit card was in the mail - again, I had no idea it was coming from BofA. I never received the card, never activated the card. I called THREE times to tell BofA of this. The first call the Agent said she would cancel the card and asked if I wanted a new card - I said NO. I just got a bill for $95 for annual fee. I called - again - and was told - you applied for the card; we charged you a fee. WHAT???? I paid the fee ONLY because I didn't want my credit information to show an unpaid bill. I did file a DISPUTE with BofA on this charge. I am - betting - I will never hear from them, but of course, they will take my payment for their annual fee on a non-existent credit card.

I have a balance due back to me on my credit card. I've had to call to address this on 3 different occasions. Today I was told there was no request for a refund. I made a formal complaint about employees taking a paycheck but not doing their jobs. Three weeks of this bank owing me 500.00 dollars. Their electronic transfer will be taking 10 business days. I don't suggest using this bank in any form. I also had placed a fraud charge of 1500.00. I was told not to worry, they would put a stop to it. They also never did anything about that. Two major banking issues fully ignored. I have to do the leg work they didn't do.

Bank of America's credit card interest rates are downright predatory, ranging from 20% to 30%. Meanwhile, their corporate profits are through the roof this year. Do yourself and your wallet a favor--stay away from this predatory corporation.

Bank of America is the worst bank I have ever bank with. I do not recomend to nobody. Worthless their credit card. Don't ever use a credit card from them. They eat you out in interested, they are crooks! I have a credit card at 27% and each month they're setting up a different minimal payment amounts and they Rip-off people. Don't do any business with them. They are very Dishonest people! Don't do any business with them. You will be very disappointed!!

If I could give zero stars, I definitely would. I’m very disappointed with Bank of America. Due to an issue with their system, I’ve incurred two late fees, which have negatively impacted my credit score. Despite contacting customer service multiple times, the issue hasn’t been resolved, and I’ve received little assistance. I’ve been using credit cards for 8 years and have never had any issues with payments or late fees on any of them. This has been the most frustrating banking experience I’ve ever had. I expected much better service and reliability from a major bank.

I paid off my credit card in full on January 6th. Money left my bank account on January 7th. Payment is still pending on BofA website. Called to find out when payment will clear. BofA agent said Ts&Cs allow them to take up to 10 business days. That is unacceptable in the digital age. Every other institution I paid off recognized it within 48 hrs. I am trying to book a trip using a companion fare but I am unable to because they haven’t recognized the payment and I am forced to use BofA card to book but I have to wait until payment clears. I am currently held hostage and considering canceling Alaska Airlines card to switch to Delta. This is horrible service.

These folks can't even complete a simple balance transfer! Wouldn't approve more than a bag of peanuts. Customer service experience by far the worst I've ever experienced! They couldn't even send me a phone number to my email address to the department that can handle my needs. Don't waste your time! Look elsewhere.

Card was hacked. Need card. Was expedited through ups. Until now I have not received my card and it has been a week, ups does not know when the delivery will be made... Bofa refuse to use another courier, they seem to think ups is great knowing unhappy customer has not received card when it should have already been delivered.. They are not very sympathetic about it either.

I disputed a wrong charge but they didn’t approve the dispute. They put all the risks to the customers. They also asked me to dispute with the merchant. They asked me to upload the evidence to them. I never seen other disputes from other credit cards are so troublesome.

Do not trust Bank of America. My credit score was very good, but they only gave me a $500 credit card limit. I tried for two days to close my new account, but they gave me a hard time and made the process difficult. I spoke with the manager, Nicholas, who tried to change my mind and caused more issues instead of closing my account. However, I made sure to close it for good. I will never apply for a Bank of America account again.

Nightmare credit card design for public to steal your money..If they took your money, you can't dispute it. Nothing you can do and you call them, they will transfer you to 20 people yet none of them can help you. Only to say, "Let me transfer you"

Worst customer service ever, they say an issue has been resolved, but it never has. I called 3 times and they all said it was set and I tried online 3 times and nothing was helped, they pretend they have helped you, 20 minutes later, nothing has been resolved. Done trying.

The card site is THE WORST. It is so convoluted that it can only be intentional. Also, the interest is charged before closing date, so even if you pay the full balance on the due date you will owe interest the next month. It is so hard to get to a zero balance - even with supposedly paying the full balance each month - that I have just completely quit using this card.

Terrible customer service. Takes you 30 minutes to speak to someone! This is most horrible credit card service! Bank of America is the worst credit card customer service in this country! You can go to other credit cards.

This is a complaint about how my credit card transaction was handled and also a complaint about the bad service by customer service agents. I recently got a Royal Caribbean cruise credit card from Bank of America. On December 9, 2024 I got an email telling me that I had a bill due. I immediately went online to pay the amount in full. I saw a notice that the payment was overdue and had been due on December 4, 2024. I had not received any notice prior to December 9, 2024.

I have been trying to set up auto-pay for months, ever since I did a balance transfer when they had an offer for 0% interest for 12 months. I normally would just get frustrated and make a one-time payment. After calling their customer service, it turns out you can't do it on the app and have to do it on the webpage. I found it a little suspect, but I grabbed my laptop and opened the browser. Once I got to the auto-pay section, I learned that you have 2 options: 1) minimum payment or 2) statement balance... There is no option for a custom amount!

The funniest thing is when you call their customer support number, you are greeted with a message “we take pride in our world-class customer service”…and it’s downhill from there. They blocked my card for a “suspicious” $50 purchase at a Nordstrom near my house that I made in person. On a Saturday night. Whatever, I called the bank to verify it was me. After all the verifications, they said: "Yes. It all checks out, but you have to go to the bank with two forms of ID." Why? "We can’t tell you, we don’t know." Supervisor doesn’t either. "Nothing we can do." Can you cancel my card and send a new one? No.

I have a Bank of America credit card. I use it frequently so I enrolled in “autopay”. I paid off my balance to “$0”. At the due date BofA debited my checking account for $302 dollars. I called BofA customer service 2 times, on the phone each time for over an hour to solve the problem. After they asked for my bank routing and account numbers (they should have had that information) I was told that they would credit my checking account within 10-12 days, wow… 10-12 days! Next day I see a $27 service charge fee on my cc account. I called again about the service charge and my refund. I was on the phone for 1 hour 15 minutes and I was told that they could not remove the service charge and to wait the 10-12 days for my refund. I can not believe that BofA can stay in business treating their customers that way. Live and learn.

So I've come to find out and this is to all you Bank of America credit card holders. If you take any type of Cash advance on your credit card you will never get a credit increase. Bank of America is horrible at these things then they tell you there's something that's going to go in your account one day. It takes 10 days. Then you have to wait for your check when other Banks do two days early. Bank of America does a two days late. What is it with such a big bank and and having so many issues. The whole credit increase thing though is ridiculous that Bank of America penalizes its customers if they take a cash advance out. All my payments have been on time for 7 years. Never missed one payment.

I normally like BoA. I recently transferred a balance to my BoA credit card. I went to schedule monthly recurring payments in order to pay the balance within 12 months. However, BoA no longer allows customers to specify an amount. They only give you two options for recurring payments, minimum monthly payments or the balance in full amount. Neither of those options work for me. I called BoA customer service to confirm which they did, it was a recent change in their payment options. WHY? That makes no sense...other than BoA doesn't want customers to pay their balance during the 0% interest period, or make it much more difficult. Of course, I opted to set up recurring payments via my bank to BoA with the specific monthly amount I want to pay. It took longer and was inconvenient, no thanks to BoA changing their payment options. Shame on BoA!!!.

Just opened a account made my first payment and problems already! Pulled my bank statement and showed the payment was taken even with a confirmation code, still saying we are late and never made a payment. Wth is going on? Called once, twice, three times not to mention getting disconnected for no reason multiple time with no call back. I would rate a 0 star if I could.

I would give a zero if I could, absolutely AWFUL customer service. After putting a check in the bank from a 47B company and BofA saying funds will be available next day, they later put a hold on the check. So now I don't have any recourse, they have the check. This is a check I receive on a regular basis and the history shows it NEVER has an issue. Basically, they are adding a week to their $$ whenever they want and they don't honor printed agreements. You call in and they read scripts and say their hands are tied when they are the ones placing the holds. WORST BANK EVER. I'm changing banks as soon as I can.

Awful service. No way to specify a monthly flat amount to pay. You have to manually go in every month to pay a certain amount. Tried paying off balance. No way to pay off full amount. The amount due is less than the amount they show you is the balance, which leaves you an amount left to pay. The online portal uses obscure wording and makes it very hard to understand balances and charges. Incredible pain in the butt. Totally hostile towards customers. Just TRY to reach an actual person on their phone system. Absolutely impossible.

I just wanted to set up automatic payments coming out of my checking account. CAN’T DO without a Bank of America checking account. I don’t want any additional checking accounts. Therefore I have to make a phone call, every month to pay my account. Can’t even do online. What a bunch of you know what.

When I first signed up for this card, it was nice and rosy. I received a $200 bonus after spending $1,000 but I was in the midst of remodeling so the card came at just the right time. Scroll up a few months forward, I pre-paid this card for around 100 bucks. I do this all the time, I usually prepay my condo fee for six months and a few other credit cards, and it works like a clockwork. Not so with BOA. They promptly sent me a check for my prepayment. What is wrong with them? I don’t like this attitude and will close the card soon. Back to my good old Chase card who will never do this. You live and learn. 2 stars only because of the bonus.

Our issue was resolved with the help of Tim **, he was fantastic.

Earlier today I called customer service wondering why my account was not updated after making a payment. The answer was that my payment was being held for five banking days. There was no explanation or answer as to why!

Beware that the BoA website is extremely difficult to navigate and thus you can make an error that will cost you dearly. I opened a new account December 2023 and immediately tried to set up auto pay. Was advised that I had to wait one billing cycle before this could be done. I waited the month, went into the application and set up autopay. But, it was not clear to me that it didn’t get set to autopay but to manual pay. I was unaware of this until I missed a payment, actual two months in a row for just a couple of hundred dollars. I immediately called BoA and was advised I didn’t set up for autopay. Shocking!

I applied for a credit card to make a balance transfer and the application process was easy, the problems started once I received my card. It took many attempts to activate it and enroll a new account on the app. I couldn't set up my username, so I called and I was told I was locked out for an unknown reason. She stated she unlocked my account and that she would notify IT about the problem I had. After that and 30 minutes later trying to use the app and online using my laptop, I was finally able to setup my username and password. Then after that, I set up notifications and and face ID.

Absolutely disgusted with the customer service. My husband passed away and the following month I was late on my payment. As soon as I realized I called and made a payment and asked if they could take the late payment off my credit report. NOPE. Seriously no empathy whatsoever.

I’ve had an account since 1992. It has gone so far downhill with customer service that it doesn’t exist! I have 3 now. I pay all credit cards in full every month. I don’t use cash or debit card. I have a 0% on purchases intro offer. Took it. Paid the card every month payment due. Paid it off before expiration of term around $8000. Within a few months they reduced the credit limit from $13,500 to $1,500 for no reason they could explain. Did the same on other cards in time. I’m done with them. They make terrible business decisions and always expect the government to bail them out! They offend the payers and help the crooks with tax $. Much better banks to deal with than BOA! Horrible to even get a straight answer about anything. They have no business running or trying to run a bank! DONE.

The worst credit card I have ever dealt with. The customer service is poor and the offers are a scam, never got the cash rewards and never got the 1.5% cash back. Cut the card up today. I will never do business with these scammers again.

To this may concern, I was on a phone call with your bank recently about my credit card. The guy's name is Michael. He seems very uninterested in trying to help me get to the bottom of what was wrong with the payment on my credit card in the past I’ve always been helped with no problem. This guy just didn’t seem to wanna go out of his way. Hopefully your customer service gets better than this.

Bank of America called complaining I missed a payment. I always pay Bank of America on time to avoid late fees. This time they got me, though. For the 4th time, Bank of America did not send me my bill in the mail. I have been calling Bank of America for three months in a row to make sure they mail me my bill. This 4th time, I forgot to call Bank of America and request my bill on time. So, I guess they were waiting for me to forget to call. My bill was not sent for July 19th payment and now I owe them big time in late fees. Never had I dealt with a company where I have to beg for my bill to be sent on time. I read in the news that credit card companies were looking forward to these extra fees. It's too bad that they stoop so low and not mail me my bill on time four months in a row.

Christine in Customer Service was instrumental in getting BOA to finally send the money BOA owed me to my checking account. I should see it in my account by Wednesday next week. It did take me having my bank with the checking account to file a claim against BOA. While I'm happy that I'm finally getting the money BOA owes me, it should NEVER have taken 4 months. Lesson learned: Always wait for at least two days to allow BOA to process a payment. This will keep you from creating a duplicate payment, which will be extremely difficult to get BOA to send back.

I wish there was a zero star option. I opened a Bank of America credit card at a get out of your timeshare seminar. I was charged $12,000 on their credit card for this service. I was informed by the owner of our timeshare that their timeshare release program was indefinitely suspended and was suspended at the time of my $12,000 charge. I paid for a service, which there was no way the merchant could possibly fulfill. I have demanded a credit on my $12,000 charge 3 times now and have been denied by Bank of America. The merchant either did not do their due diligence to ensure the resort company would actively allow departure from timeshare commitments OR they were aware the resort would not possibly work with me and charged my credit card anyway.

If I could, I would give them 0 stars. They mailed us replacement cards on our account because the old ones were expiring. They mailed us 3 cards but only 2 arrived. The third was intercepted from the mail (or by someone in the company; we do not know). The next day after we received the email but before we would have expected the replacement cards. Someone went on a shopping spree with the intercepted card. BOA questioned the charges. We told them we did not make any purchases. They said they would investigate. Their idea of an investigation was to contact the merchants and ask if someone received the goods. Of course, someone received the goods--the thief. BOA did not contact us or ask us for anything.

I had just received a credit on my credit card as I returned furniture. Bank of America took that credit from me and told me I had to wait up to 14 days to get my money back. They could not immediately refund that credit to my card. It doesn't seem right that a bank can take your money and make you wait up to 14 days to get it back. Not a good policy to make customers satisfied.

The Bank of America App is very difficult to understand and navigate. I keep getting notifications that I have messages. Open App and can’t find any messages. I called and to a person and she couldn’t help me. I am going to cancel my credit card. Worst experience ever with a credit card company.

At 60 years old I have dealt with most financial institutions and this is the worst! I called to confirm my balance and went and got a cashier's check and took it to the local branch. I confirmed with the branch that the check was indeed for the full balance. I then got another statement charging $125.50 in interest! Now I have to go to my bank and get another cashier's check and take it to their branch to pay off this bogus interest charge.

BOA will turn off your autopay with no notice to your email or phone, then charge a late fee, interest, AND decrease your credit limit. Never again BOA. I had $350ish balance on autopay and $8000 credit limit. They reduced it to $500 and I’m sure they wanted late fees to keep accruing and break that limit for more fees. You tell me if they’re on your side. Please monitor your accounts people.

After 20 loyal years of banking, credit card use, and loans from BOA I've had enough. Poor business and banking practices, rude careless employees and management, and finally reckless and careless security of my personal information and credit card security and I’d had my fill. Closed my accounts, paid my card off and locked, and refinanced my one property with them all over a security breach on my credit card they refused to act on. It’s been a long time coming… Take my word. DO NOT BANK WITH BOA AT ANY CAPACITY. They are a careless morally and ethically bankrupt company with no market value or care and respect for their customers. Go to your local credit union or find a banker that is ethical and actually appreciate your money and business.

Bank of America decided to reduce my Credit limit to 10 percent of the original amount of credit limit and did not inform me. They did not send me a letter, a text or an email. I found amount while trying to use the card. They claim they sent me a letter by US Mail. I trusted Bank Of America and l could not believe they did this. I discussed this with them and the conversation did not go well. I am moving on to another bank.

Terrible for small businesses. I've never been late on a payment. BOA lowered my credit limit on my business credit card by over half, because I didn't open a checking/savings account with them. Even though this was never mentioned or suggested before and doesn't state that is a requirement any where in my credit card agreement. I have a credit card not a loan. I will not be using that card again. Good job BOA, lost a great, loyal small business customer.

Don't bother calling their customer service. The poorly trained representatives explain that they only have a supervisor that aren't trained to answer any questions, so you're stuck with whoever your speaking to. This person will give you completely different answers than anyone else you've spoken to and can only direct you to online and automated help. You get this after waiting at least 20 minutes.

I couldn’t make a payment over the phone so I went to one of the Deerfield FL branches on Hillsboro Blvd. As soon as I entered I was an annoyance to the man (later the clerk told me that man sitting at the door is a manager ha?, I thought he was a doorman), so I explained to a “manager” my situation and he was little annoyed but was really trying hard not to show it. He told me to go to one of the tellers. So I went, her name was Carolyne (** looking woman). She basically was not able to control herself and started shouting. She said, "I can’t process your payment because you don’t have account with Bank of America," so I said, "I have been making payments for 14 years." She said, "I don’t have solution for you, go get cash then you can pay." Very rude, unprofessional, incompetent and just nasty.

Beware of this company! This company has no customer empathy, respect or policy to help their customers when going through any kind of hardship. After years of being a customer my husband lost his job and we needed to skip one payment, just one. We have never missed a payment and have never been late for one. They have no hardship clause at all and report to the credit bureaus after 1 month of a late payment. They made me feel like a criminal. When I get this paid off I will close it out and never do any business with Bank of America again. Beware! If you want a good credit card with wonderful services, opt for Discover!

We made 2 credit card payments before their due date on our Bank of America credit card with the automated system and was given confirmation numbers for both. A few weeks after each payment we received past due letters which we responded to immediately. They said the payments were returned. We contacted our bank and this was not the case and after many unfruitful hours on the phone with Bank of America they admitted our bank was not the fault. The only one in fault over this whole matter is Bank of America.

I’ve banked with Bank of America for a long time. Things were not as bad in the past. The problems began when I requested a second (Travel) credit card from Bank of America. First, I never received an incentive I was promised for getting the card. Second, my automatic payments stopped working on both cards and I was being charged fees that I had to get waived on several occasions. After countless phone calls and customer service representatives telling me that everything was resolved, Bank of America is literally stealing my money by charging my checking account twice on the same date (03/11/2024) and for the same amount (736.69). Again, long waits, phone menu loops, time on the phone to resolve it. The last rep. assured me that everything was resolved and that I would not have any problems.

Upon reviewing my credit score following my recent efforts to reduce card balances following the disruption caused by the Lahaina fires, I observed a significant decline. Notably, Bank of America swiftly reduced my credit limit shortly after I initiated payments. It is imperative to emphasize that I have consistently met payment deadlines without any delays.

I was reviewing my credit score since I recently paid off one Bank of America Card and noticed my score went up then took a nose dive. Bank of America lowered my credit limit on my second Bank of America Card 4 days after I paid off the one with a larger amount owed. I have not been late on payments with either card. I will not advise anyone to deal with Bank of America. The other card will be paid off soon and they will go into the bottom of the safe to not be used again.

I applied for Bank of America MasterCard credit card. I was approved and during a week I received the card. The same day when I received the card, I tried to activate it over my husband’s cell phone. I’ve been told they cannot activate the credit card because I was not using My cell phone! They blocked the account. Now they’re asking for more identity identification to prove me as me and only way how can I do this is to go over 2 and half hour to their “closest” physical bank which is over 150 miles from my home. They refuse any other proof of my identity. I have a family. I have a job and I do not have a time to drive for nothing and lose over five hours of my day! Bank of America is not flexible to solve any problems (which I cannot prevent it. I wasn’t aware of it …).

I received an email from BOA stating my payment method has been suspended and I need to call them. I went to the BOA app, shows a payment. No alerts. Called BOA. 10 minutes of voicemail conundrums and 27 minutes on hold. I reach Pamela. No issues with my account. No alerts. I ask why I received the email. Pamela can’t tell me why. (I’m so frustrated at this point!!) I ask to have the situation and email investigated and for a return call. Pamela said they cannot return my call.

If I can give them a 0 or a negative integer I would. These monsters decreased my credit limit after a two late payments which were not even consecutive. I had the card for almost 3 years now. They are greedy and no good. Had numerous credit cards and this didn't happen. They should be shut down immediately. I never write reviews but after waiting on the phone for almost an hour and a half just to talk with a supervisor who defends their values of not caring for their customers is ridiculous. Also read how they owed 250 million for fraudulent accounts. Here is the article: **. I'm glad they're losing money as they should as they are legit criminals. Never EVER get a card from here or do business. Hope this helps.

I opened a business account and they required $1,000 to secure a business credit card. I decided to close my account after a year of not using the accounts, but they make it very difficult. I went to the bank and they gave me a number to call. I called and was in the phone system for a long time even after I was routed to customer service. I am still on hold and no one is available to help. I will never recommend this bank to anyone.

Impossible to speak to a live person. Makes you click on choices that you don't need which are recorded messages. You will never, ever get a live person to answer your questions. It asked me if I wanted a credit increase--when I said yes, it mentioned collateral on my house. Very shady company.

This is worst credit card I ever had. My payment was 35.00 month. I have never ever been late with a payment on any of my credit cards. They lowered my credit line and charged me 175.00 month. They have loan shark rates and should not be in business. I am putting this on Google and BBB. Do not deal with them.

I was trying to get connected to a live customer support. I understand their line's been busy, but having to hear a nonstop recorded voice while you are waiting was very frustrating and annoying. After almost one hour on hold hearing that nonsense recorded message I decided to give it up and hung up my call. LET'S GET IT RIGHT.

I have been a customer of Bank of America for 10 plus years. I have always paid my account in full each month using the automated system over the phone. Three months ago my information was no longer in their system when I attempted to make my payment. I then had to reenter my information in order to process my payment. The following month my statement showed the payment being applied and then reversed as well as late fees. When I contacted customer service they were nice enough to waive the late fees and I again gave them my banking information over the phone.

I spent a whole morning to close my credit account so I called them. They put me in a hold more than a hour and I am still waiting. They killed my time, the time equals money. I don't know what their service is for.

I accidently sent a double payment to them (electronically). the very next day I asked them to return it electronically. No, they refused and said they would send me a check. I could expect it back to me (I am 650 miles from my bank) after 10 days or more! The customer service person thought I was stupid when I said, "this is so you can use my large overpayment for interest on my money!" Her clueless response was "oh no we only charge on money spent and you don't owe anything." I suggested they send me the interest they are going to earn on my money. Once again she said you don't owe....

Beware: if you have a Bank of America credit card and you have set up auto pay, and you started using it after a dormant period of time, their system will cancel auto payment without notice and then start charging late fees. I was charged $90 for a two month period on an initial charge of $50.00. Other banks do not have this policy. My advice is to cancel all credit cards with Bank of America and support a reputable establishment.

I literally spent 3 hours on hold 3 separate times trying to get a simple issue resolved. They are either completely understaffed or inept. No option for call back or even a chat function. They issue was so simple to fix -- that when I got someone, it took minutes to resolve but I am so irritated that I am canceling my credit card. Reading their reviews now, I should not be surprised. Worst part: One hold listening to a recording saying they cared about me and I was a valued customer. That is called Irony.

All I am trying to do is pay my credit card. First started that every payment I made they would apply to an inactive account. Then I would have to call every time to get this moved to the correct account. This is an hour long wait every time on the phone with the promise that this was fixed... After 3 payments' issue (min of 3 hours on hold with customer care) they finally removed the inactive account and now I can not make an online payment AT ALL!!! I have called customer care again multiple times (ON HOLD FOR HOURS!!!!) with no resolution.. they disconnect the call many times and still no resolution to the issue... THIS IS THE WORST CUSTOMER SERVICE AND BANK I HAVE EVER WORKED WITH!!!!! STAY AWAY FROM THIS BANK. They do not care about their customers.

I received a credit card from them in late 2022. Always paid and usually in full until Aug 2023. 6 days past due and they closed my account. Called them, got a rep who was rude and condescending. Horrible experience.

BOA has removed the option to pay any amount to your credit card account. I always divide my payments equally to pay them off sooner. There is only one reason to limit the consumer payment and that is to either have you pay the minimum amount so they make more money and draw out more interest or to have you not pay off 0% interest so you will default. As soon as I can, I will get away from BOA and not use them again. Consumer beware.

It's just horrible whenever you call for phone services regarding your credit card to resolve issues. All the departments of BOA have no communication skills on the phone, especially the collection dept. If you ever call his name Anthony (hang up and call back because he gets upset when you ask him questions or clarify your answer). I don't think he cares, don't know why he got the job. Consumers will pay off their balance and never come back to this bank. They can't compare to Chase services. BOA phone services representative needs a lot of improvement in that area. Stay away from this bank if you can but if you do phone services department normally gets upset when you ask questions to clarify and hangs up the phone on you. Will never recommend it nor want to be their customer in the near future.

Zippy Shell, aka 1-800-Pack Rats, fraudulently charged us $1,000 for additional labor that they did not expend. They did not provide any documentation. They offered $300 to attempt to settle this dispute! B of A sided with Zippy Shell.

11/10/2023, I made a purchase at our local Ace Home Improvement in the amount of $3723.50 using my Bank of America Cash Rewards card. The charge was immediately declined by Bank of America. Now that was embarrassing as I have never had a charge declined since I got the card in 1999. I had a $25,000 limit with only $110 balance on the card. I then put the charge on my US Bank card with no issue. Later that day, I called Bank of America. It was declined as a “suspicious charge” and a fraud alert placed on the card. The nice lady apologized and said the fraud alert would be removed and I would have no further issues. 11/12/2023, I used the card to make a online payment to renew my Revo Uninstaller subscription which is due in December.

I had a fraud and called to stopped and they changed my card 3 times in less than one year period but they would not stop the fraud company even though I would request to stop any payment from this specific company. They three times they said would not happen again. I had to cancel their service.

I had 2 charges on my card which I check the app daily and it was for 180 dollars in gas. 2-90 dollar charges. I've been a member for 20 years and never had a fraud charge. I disputed, they sent me a new card. I called 3 months later and said I never reported it, I said, "Well why did you send me a new card and close the other one." Could not answer. They credited the account for review and 2 days later added the charges again and said because I responded that "I still have my card" and I didn't report it stolen. It wasn't stolen, the charges were not mine. It's over an hour from my where I live and they didn't believe me. So I spend 6-7k a month with them on my credit card and I'll be pausing my account and heading to another one with better reviews.

How dumb is a website where when you report a lost card the site asked for your 3 digit code on the back of the card. It’s hard to speak to someone and I have to wait 30 minutes. No courtesy callback or anything. Horrid!

Ok so my credit card was compromised someone purchased 500 dollars worth of sea world tickets with my card and they bought 8 tickets and according to sea world had great time using 7 of these 8 tickets so I call them to tell them the card is lost/stolen they continue to ask for the 3 digit security code (Duh I don’t have the card) and to make a long story short they had an old phone number as their verification for my account so they told me they could not cancel the card!!! I was told to go into any Bank of America with 2 forms of ID and cancel my card I was like wait a minute!!!

I received an email about a charge to my account made from out of US. Instructed to contact. I looked at my statement. There was a $1.00 charge pending from Google Services made in Canada. Then a $1.00 debit. I have been told people do this to see if they can get use of your card. In past Bank of America very helpful, take this seriously. Today, October 26, 2023, the woman, Tay, was not helpful. Said she would send me an email with instructions to report fraud. The instructions were useless. If I end up getting any unauthorized charges on my card, it will be Bank of America's fault. Then that will be an end to my dealing with them.

I made an online purchase in July. I gave the company a month and never received the product. Was supposed to be 8-15 days for delivery. I opened a dispute late Aug. It is currently Oct and STILL NO DELIVERY. And BOA declined my dispute. They don't make it easy to upload proof. This company is a scam and even provided a scam courier. But BOA sided with them. Didn't do their due diligence to Google the companies to see if they're real. Expect ME to do all the work. It shouldn't be this hard to dispute when you're scammed. They're insured by FDIC and still NOT DOING **!!!

Wow, someone charged over $6500 in a state I don't live in, multiple charges with the same vendor, and these jokers didn't even think to flag that as fraud. Good thing I check my transactions. Once I saw it, I tried to ask for help on the chat feature. Not possible. So I called the number. It takes over 5 minutes to get through the automated line to report fraud. Then you have to wait for a person. The wait times they quote are a joke, easily triple as long. When I reached a person, he (in extremely broken English) confirmed my info, then told me he would call my cell back and hung up on me. He did call back, after 5 minutes, and he only let the line ring once. So now I'm back on hold again. It's dangerous to leave someone reporting fraud without an answer for this long. Will be closing account ASAP, horrific experience.

I report fraud on my credit card to Bank of America, about two months ago. Today I called Bank Of America Credit to find out what the problem is is October 10, 2023 and they informed me that I was find liable. Someone ride taxi in New York City and charge $200 on my credit card. Is not the monies. Is principle. I did not ride a taxi. I didn’t give anybody credit card. My credit card is in wallet, I was informed by the fraud department in Bank of America that I’m liable for those charges. No explanation was made and there is no other way except paying the bill so I paid them and I canceled the credit card. So all customers be very careful about Bank Of America Credit Cardt. They charge you whatever they want and nothing you can do about it. They don’t investigate anything.

The worst credit card I have ever had. They don't protect the customer's right, they go along with the seller's mistakes. I bought some stuff from Jetro store and they charged me $61 extra by mistake and I went to the store and they give me a receipt that I have a refund of that amount but they didn't send my money back to my bank account then I informed Bank of America credit card customer service and I sent them a copy of my refund receipt. After a while they denied my claim. That's totally unfair. I'm not going to use Bank of America credit card anymore.

Applied for a credit card and got approved. Receive an email saying card mailed but it doesn't arrive for weeks. In the meantime, BOA sends a letter saying card is suspended for suspicious activity. Call the number and rep admits BOA sends that false notice to get their customers to call in and activate the card immediately. If this is how they routinely try and manipulate their customers do you really want to see what comes next? Asked to speak to a supervisor and rep cursed at me and hung up.

Is one of the worst, impossible to pass their useless automatic system to discuss fraudulent fee bank of America charges to accounts. Spent 1 hour trying to talk to a human but it's impossible. Such dishonest company.

Bank of America Visa is a criminal organization, do not use them. Zero customer service. Endless problems with billing, Latest, nasty emails that I did not pay my bill. I had mailed a check for the full balance. Paid over the phone, then they cashed the check they told me they did not get. That is fraud. Now my credit score is down. You have been warned!

When reviewing my statement online, I noticed new line items below the first 3 charges. Each inviting me to click on a point of sale live link.

I wrote two one star reviews about Bank of America's credit card department and how they are providing poor service on handling their credit card customers. There are hundreds of one star reviews listed for BofA and I completely understand why. However I am not the person to post a complaint and walk away, I am the person who researches and finds the top of the food chain at BofA to give them an opportunity to correct their errors. I did just that, I sent an email to a person whom I thought was an executive, which she was and my issues were resolved quickly.

We have had this credit card since the 70s'! It has been very challenging to do anything online with them. Even paying them was a hassle. We have tried to get on 'auto pay' for over 8 months. Each time they guarantee us on the phone that it is ON auto pay. And they guarantee we will get a paper copy of the bill AND the bill will come to BOTH of our EMAILS. Then we don't get a bill anywhere... and....later on we find it was not on auto pay and we're charged interest and late fees!!!

I had a terrible experience with Bank of America. They threatened my financial well-being, due to an error they made on my account. The bank wiped my credit from excellent to fair and closed my credit card overnight, after 10 years of doing business together. I spent hours on the phone being transferred from one department to the next because none of the agent's knew how to help me. For two months agents told me they were fixing the problem, and nothing would change, I was given false information over and over again. It took two more months to get someone on the phone who could remedy the situation and another two months before the false credit report was fixed (although my credit did not return to where it was before the error). A nightmare experience, I would not recommend banking with Bank of America.

I made a payment on my credit card, the ATM stole the check, didn't apply the credit, and takes 2 month to fix that, I had a trip a few days later, and my credit was not available, it is a ATM problem and I pay the price, 2 months is crazy time to fix that issue.

I have been with Bank of America for 7 years and it is time for me to change as over time I saw how horrible they are to their customers. It is a shame how they can't even try to help you over the phone or in person. I called the bank to get me with the charge and they were horribly bad to help. I'm about to close my account and never again this company. Very disappointed.

Had a fraud charge on my card in July, was credited back to my card. In August they put it back on my card and refused to remove it. Customer service is rude and unhelpful. Very unprofessional. Do not use this bank.

If I could give Bank of America a ZERO for customer service I would!!! Avoid ANY cars with this Bank at ALL costs. They are the absolute WORST company with HORRENDOUS customer service. There are so many other options out there so do yourself a favor and avoid them like the plague. I’m still fighting them over fraudulent charges because THEY LOST the information I provided and are threatening ME with a collection agency over $60? It’s a small amount but it’s the PRINCIPLE. Again do NOT get any card associated with Bank of America!!!

I paid the annual fee for the Allways Allegiant Bank of America card. Tried to use it several times and it did not work. I followed their directions and each time I would contact them, and they would say it should work. It does not. This card is a rip off.

You cannot get a live person on the phone anymore with this company. The automated roadblocks are unbelievable. I am no longer going to use this card and will close the acccount when the balance is zero.

On July 7, I received a flier for a credit card on an Alaskan flight. There was an incentive program for miles to open a BofA credit card,. The program was for 85K miles if $3k was spent on the card within 90 days of activation. I applied, and received the card. The paperwork included indicated that I could receive 65K miles - NOT the 85 K miles. I called customer service twice and was told that I had signed up for the program for $65K miles. I never saw that program. BofA refused to honor the agreement I applied for.

I have been battling with Bank of America since December. They owe me $1320 and they refused to give it back. I have filed nine claims. They say they’re trying to work with me and figure out what happened now they won’t even answer my calls. I’ve left several messages. Whoever was in charge of the ATM count is a thief I would not trust Bank of America ever again. Customer service is absolutely horrific. Bottom line I am out my money and it’s very hard to let it go. I hate being ripped off.

My Bank of America credit card has been a nightmare to use internationally. I called BoA ahead of time to let them know I would be traveling for an extended period throughout Asia so it wouldn't cause any issues with my credit card. But, upon my first transaction, the credit card was placed on hold, and despite calling and verifying through the app, there was no way to unlock except to go to an office in person — even though BoA doesn't have any locations where I'm traveling to. So the nearest office would be thousands of miles away. Worst experience I've ever had with a credit card.

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).

Say they base their late fees on your past history after telling you to call back a month ago and it will be straightened out. This time they claimed they put me through to a manager Daniel (probably not a manager or real name). Said he could lose his job if he credited me anything--'had to follow bank policy'. No attempt to work anything out on the bank's part! I even set up auto payments prior to this to prevent such late payments (after getting charged a 25.00 fee and next month 35.00 late charges--why is there no forgiveness for a 'one-minute late' payment fees and even more why are the late charges different--Seems they charge what they want to.

UPDATE: Bank of America contacted me and resolved this matter. They credited off the interest they had charged. (They referred to it as "residual" interest.) Still, I don't know if they would have satisfactorily resolved this issue had I not raised the stink I did. It seems "the squeaky wheel" really does "get the grease". In the end, though, I am happy the issue got resolved.

I made a dispute with Bank of America that vendor did not receive money after a cancellation of dispute, for 6 months they are telling they have closed the dispute. It is 1200 dollars and vendor sending me letter that they did not receive money. I am so tired with it. Suggesting everyone close their credit card as soon as possible. They are not giving my money back and sending me the same letters again and again. I am going to make a complaint against them to finance bureau. That is the only option that I can think of right now. It is so frustrating.

I have been trying to resolve two credit card disputes with Bank of America for 6 months now where I was charged incorrect amounts by merchants. The process has been convoluted and confusing. I submitted substantial evidence for both claims, have spoken to about 10 reps who have not been helpful. The customer representatives often do not have accurate information. When I request to speak to a manager, I'm rarely put through. My claims continue to be denied despite providing clear evidence and speaking with multiple customer service reps. It has been made clear throughout this process, that Bank of America does not value protecting the consumer rights of its clients. I will be canceling my credit card with them.

Bank Of America Credit card service is very bad, They simply follow what every system does. I paid my credit card bill 5 mins late and called customer service to waive the late payment fee. Customer service reps are very strict and not willing to manually override the late payment fee. Be careful while using Bank Of America's credit card, it happened the same with another credit card like the Chase, when I called they immediately waive it off. Bank of America is very strict and not customer friendly. I stopped using that credit card.

I have 2 BOA credit cards. One has a limit of $8500.00 and the other one for 12,000.00. Me and my wife had these credit cards for 8 yrs. We've never been late and always kept our cards below 30%. This week our balance on the $8500.00 is $2100.00. For no apparent reason they changed my credit limit from $8000.00 to $2500.00. They gave me no explanation. So I cut the card up and I'm not going to cancel their account but they will never make anymore interest from me.

BoA offers the Signature Level Visa cards except for the balance transfer card. The business cards which I'm not interested in come with their own perks. I have unsorted offers for some of the BoA cards. There is a management page which has the hoops a potential customer needs to jump through to qualify for one of their cards. It appears the would be cardholder needs to "tweak themselves" before applying for a BoA card. I can meet the criteria but I'm opting not to. I'm not interested in having an $100000+ existing relationship with BoA by putting my money in any of their corporate pockets. They aren't paying any interest to speak of and haven't since the Fed tamped down rates in 2008 and again in 2019.

I’ve been a Bank of America credit card holder since 2009. I have a physical card in my possession that doesn’t expire until 2024. I went to go use it to pay off another credit card and found out that Bank of America closed my card for inactivity. I am very credit worthy so I applied for a new card with them because they told me that I could not reinstate my old one with a purchase. I applied for a 0% credit card for 18 months so I could pay down some debt only because I was forced to and they denied me, putting a black mark and a hard-hit to my credit. So essentially they took away my credit card, made me apply for a new one and then denied me because they weren’t going to make any interest off of me. Thank you Bank of America

I've had a credit card with Bank of America for over 12 years. I got it when I went to college - my first credit card, and my only one until recently. Because I had no credit history at the time, I was given a low credit limit. I have used the card responsibly - occasionally throughout the years needing to put something worth several hundred dollars on it for an emergency situation (hello, car repairs!) but paying that off, and otherwise keeping it reasonable. In the past several years it's been used for about $40-80 per month, and my payment history is %100.

Do Not get a Credit Card through this Financial Institution. Their Existing Fraud Process and Policies are absurd. I am a victim & 2 months in and still fighting this battle for some online charges that were made and were NOT mine. When I called to report (they did not alert me & these were out of state online charges so should have put up a red flag somewhere), the Rep put in the information as a "dispute" and not a "fraudulent" charge & apparently there is a big difference on these 2 words so CONSUMER BEWARE. I had a Supervisor that had to get involved & assured me all would be corrected & my 5 transactions would be submitted again but this time for FRAUD review and not DISPUTES. Refunds were made back to me and I thought all was done.

A Bank of America credit card was opened fraudulently in my name today. Experian notified me by email of the Bank of America credit inquiry. Upon calling the phone number I was transferred to the fraud dept. I waited on hold for 30 minutes. I hung up and called back. The customer service lady said my phone number was authenticated but could not give me any information about this new open credit account.

I was sent a pre selected offer for up to 80,000 Alaska Air miles for applying for their card and spending a certain amount of money in a certain amount of time. I met all requirements and they failed to give me the promised amount of miles. They claim I applied for a different offer. I followed the letter to the tee by going online and submitting my application. After 3 months of fighting with them, they claim I went to another website than what was listed on the offer. Absolute lies... Don't bother with this card. Closing my account and will not do business with BofA ever again. It would have been so easy for them to rectify the situation rather than blaming me...Corporate greed and petty, useless employees that don't care about their customers! Shame on them and their leadership that implements, directs and condones this behavior.

On 9/12/21 I paid off my balance in one lump sum of $10,947.00 through their online system and had it directly drafted from my checking account. Then on 10/01/21 they, for some unknown reason that NOBODY can explain, they duplicated the draft payment and took $10,947.00 out of my checking account a second time, resulting in a credit balance of over $10,000.00 on my account. I called and demanded my funds back on 10/03/21 and was promised the funds would be deposited back into my account in 3-5 business days, which did not happen.

The number one reason never to get a Bank of America Credit Card is because when you bank with the same organization you have a credit card with Bank of America takes advantage of this and their collection practices are very very unethical.

ALL BofA cards seem to have either an annual fee or as this card, a foreign transaction fee, unlike those of other banks (e.g. Capital One). NOWHERE on the literature that came with the card was this mentioned. The previous one I had from them had an annual fee after one year; at least this was mentioned in 'small fine print'. What is the use of being a BofA Preferred Customer? What does one get for the trouble?

If these banks fear aggression of outside hijacking then you might as well hang it up. This review is based on access and what I believe a control due to fear. Please know my husband possessed this card many many yrs ago and there were multiple problems accessing which created an issue paying the card. What seemed every other month I had to change passwords, a password recorded and right next to me used several times, while trying to access the account they continued their denial access. This lead calling BOA what seemed hours unlocking accounts. Today it seems not much has changed. The hoops one must jump through to access the app which is lacking, which I then deleted, and the internet online access deemed too much time. Something that should take minutes turn to hours most of us do not have just to pay a CC bill.

My ex-wife continued to use my credit card that was in my social security number and not a joint account. I reported it as fraud and they declined me because my ex was smart enough to change the address on the account to her own. I refuted stating that I never once resided in her apartment address and they did not thoroughly investigate and claimed that purchases were made when "we lived together". I offered to provide the divorce paperwork showing the legal date of divorce, and consent to look into my legal addresses, my sales agreement from when I sold the house we bought together and my current renters agreement to show that the dates lined up. They were of no help, did not contact me during the investigation to confirm anything and rejected my fraud claims. I would not remember this company for security and safety. I have had much more success with my security and safety with their competitors of whom I will not name here.

I applied for a BofA credit card in July. I kept checking their online portal for updates because it was taking so long to get any information. There was no useful information online - the entire 4 weeks all it said was that it was still in review and to check back later. The portal was useless. I finally received a letter in the mail 4 weeks later just to inform me that they needed more information in order to completely process my application. I called the number on the letter and it was the fraud department. I have never had any fraudulent activity on my credit so that was a complete surprise but I provided them with the information that they asked for. They said I was verified and all set and that my application would go to review again.

Seriously!! On 080421 I made my cc payment towards my credit card of $291.?? And first thing this morning I have my personal checking account (different bank) overdrawn by nearly 8 grand. What the Hell?? So checking for what came through of course it was Bank of America payment. I tried my best to find the email usually sent after the payment was made, it’s missing. And now because they pulled all that money, BofA closed out that card. Now I’m just waiting for both BofA and my personal bank to open so I can try my best to get to the bottom of this crap. NEVER has this happened from BofA nor Any other credit card I have. Gosh!! Bank of America use to be the standard for banking, but Not over the past many years. #StayAwayFromBofA

This bank denied charges made due to suspicion of possible fraud, then unlocked the card. I received documentation from the store, they cancelled my order on the day of denial. This bank states it is keeping the charge pending half a month, stating they released the funds after their denial, (over $1000) stating "the purchase may go through", despite the stores cancellation email. The first bank call said the charge would drop off in 5 days. The second bank call (manager) gave an estimate of additional 5 plus work days, refusing to remove the denial and placing blame/responsibility on the store that immediately cancelled the order after the bank denied it. I do NOT recommend this bank

B of A has been a nightmare over the years, if it wasn't for Alaska Airlines card I would have nothing to do with them. I have had a problem getting my bills so I could pay them on time. I have had payments made to the wrong account a couple of times. Once they fixed it the other time they acknowledged it but still charged me a late fee and interest. My credit score has been consistently in the high 700s and in the 800s. I think I know now why they are so profitable, I pay my entire credit card bills off each month. I figure they don't like that so they duplicitously find a way to charge more.

This is the worst credit card I have ever had in 40 yrs. If I could give negative stars I would. I have spent hours on the phone to unlock my card. I have a credit on this card (transferred from my bank), that is being held for 10 business days and I can not use the card at all until then. I was planning on paying my contractor, but can't use the card. I can't write him a check, because my bank authorized the amount within 24 hours, so the money is no longer in my checking account. So now my contractor has to wait 14 days (yup, that is 10 business days) to get paid.

Tried for 10 days to close account. Was instructed to do it over the phone, can’t reach a live person at a branch or the “business center (!)”, can’t hold or leave a message, then call ends with “goodbye”. You are more likely to win the lotto or get struck by lightning than to get help with their “walk in service”!

I had been with Bank of America for almost 20 years. I never missed a payment, I never was late on a payment. When I could I would always pay off my balance in full. 2 years ago I used my Bank of America credit card for a large purchase, and paid as much as I could each month (again, never late, never missed, and always over the minimum required) and after I paid off the entire balance last month, they continued to charge my account interest after the fact. I called to let them know of the error, once it is paid off, there shouldn't be any more interest charges, but they stated there was NOTHING they could do, they were still going to charge me interest even after I paid of the balance in full and on time.

I have an excellent credit score, have always paid my bills with BOA on time. Have been with them since 3003. I received my March credit card statement due, payment due 3/3/21, balance $743.28. I paid in full on 2/26/21. BOA debited my checking account a “2nd” time for the same amount $743.28. Called and requested a refund for that amount, it was their error. I noticed my checking account was credited but not the full $743.28. They deducted April’s payment balance of $81 and change! This is 3/6/21 and I haven’t even received a statement yet and payment not due until 4/3/21! Called again and was told that they will only credit back what is on the account and not the 2nd payment they mistakenly took from my account. Very upset, feel this was improperly handled. Deducting a payment when it is not due until next month. Unethical, especially for a bank!

I originally obtained the travel reward card because it has excellent benefits. However, despite their rigorous security procedures (which I always follow), I learned the hard way that a fraudster with limited information can call the bank and reverse my credit card payment to a account that is not mine. This cause my credit card balance to jump to $5500. It took many, many hours to get Bank of America to refund the money. Each time I had to deal with a different employee that was not very smart. There were many false promises by Assistant VPs that it would be taken care of within a certain time. When they finally took care of it (after a week), they refunded the wrong amount and their employees were too stupid to realize it.

When applying for the card I explained that I needed a high limit for the card I chose. Bank of America assured me that once I received the card I could raise the credit limit. I asked if being a new customer would affect raising the credit limit and was informed as long as I have good credit and income it shouldn't be any problem. Once I received the card I asked for the credit limit increase and was sent a letter in writing that due to being a new customer your request it denied. I even asked this question prier to getting the card.

I have been a card holder since 2006. The bank was not originally charging any fee to use Venmo and then started to charge a fee without giving proper notice. IN the time of covid the fees on the statements escaped my notice and when I noticed I called to see if they would take the many $10 fees off. They agreed to remove 1 of about 40 fees and got pretty rude. I told them I would cancel the card and they did not care. I read that no other bank charged the fees. I have cancelled the card. I do NOT recommend using this bank for any credit cards.

Just received a letter in the mail notifying me that they cancelled my card (for inactivity.) I've never been late and have good credit. In my opinion the letter was cold and just plain offensive- I don't feel valued at all and wouldn't recommend.

Visa doesn't care about doing things correctly. I am continually getting communications for customers of BoA and I'm NOT a customer. They do NOT validate emails that customers enter and assume they are correct. What's worse is that they don't notice or even care. I called their 800 number once and was told they wouldn't help me. So I'm posting the information here as BoA and VISA do not care that I have the PII and thus everyone in the world should as well since I am forced to see it constantly.

Happy new 01/01/2021 a new year full of brand new complaints since: Bank of America locks you out of your online banking account. They say that I have signed in from a different place, that's obvious since I have my own apartment but sometimes I sign in from my parent's apartment. Now I'm locked out of my online banking, and I can not use my money. I can not check the balance, I can not pay the balance and I can not check the account activity. Nobody knows what's their secret email address. You can contact them by phone but they are like a simple answering machine.

SERIOUSLY!!! Do NOT use Bank of America for its credit card services! I had been a Loyal & great customer of theirs for MANY years with a VERY high credit line but for some reason this year has been so awful and thoughtless that they ended up canceling my credit cards even though the mistake was on their part, not mine!! A particular customer service person was very nice & tried to help me, but in the end BOA hurt my credit score by so much I went from above 800, to 600 & when I tried to get that straightened out they didn't care - told me to open new cards, with them but had hurt my score so much that I wouldn't be able to. They aren't trustworthy and if you open a credit card with them - BEWARE - I will NEVER do business with them again - and neither should you!!!

I have been a customer since 2002. Out of all of this time, BOA refused to increase my credit limit to an amount that someone with my credit rating deserves. With such a low limit, I really wasn't able to use the account much. As a response, BOA shut down my account causing me to lose years of credit age on my credit report and refused to reopen it.

I've had this card for 3 years and it was the worst decision I've ever made. The app and website are glitchy and unreliable, the automated phone service is terrible, if you are persistent enough to get to a real person they are exceedingly unhelpful and their departments do not communicate. If you set up an automated payment for the day the bill is due through a checking account, an extremely harassing COLLECTIONS calls you repeatedly and your employer because banks hold payments for 24 hours, even though the terms you sign give you a 2 week grace period and no credit reporting for 30 days, it is in collections in 24 hours. The app doesn't update with payments made, and if you make an additional payment, you have to unenroll and re-enroll with recurring bill pay. I got this card for the Alaska Airlines frequent flyer miles and literally the day after I cash in my miles this card is closing.

We have a high Credit limit on our BOA credit card. We have been a customer of theirs for at least 15 years, paying our bill on time and in full every month. Today we tried to make a $5000 appliance purchase, this was well below our credit limit. BOA called to make sure the charge was legitimate and we told them it was. And they should release the funds. They said they would. Though we made five subsequent phone calls to them they never released the funds. Due to their negligence we have lost $5000 worth of points as well as wasting hours on hold with BOA. I have seldom dealt with such incompetence. I subsequently had to use another charge card. Tomorrow I will begin the process to find another more reliable credit card company to do business with. Stay away from this company- they don't follow through with what they say they will do and care nothing for the customers that they claim to help.

Bank Of America Credit Card Scam. We purchased a program online and put a dispute I with Bank of America Disputes. 2 weeks later the company gave me fake website hosting Bank Of America. Now this was two weeks later. Two months went by and Bank Of America sends me they need more information about what happened. The company closed and Bank Of America knew that they closed had to because they did not get their money back. They want us to pay the bill 500.00. They scammed a dispute and instead of asking for the information from the beginning they waited. Now 500.00 we have to pay. No way.