Bank of America Credit Cards Reviews

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.

They have reward bonus offered from your saving/checking account. You mean get extra 25%, 55% or 75% cash back. You can choose 3% cash back rate for the category which you shop most.

I was subject of a fraud... Costing me about $300. I documented entire experience. I submitted proof. BOA is more loyal to the company committing the fraud than to the consumer. And trying to communicate with a human being is impossible. Their 800# is a waste of time. Wish all companies were like Discover!

Bank of America are employees speaking VERY CLEAR & caring correlated with your specified credit-card issues. Because they are all employed within our USA, while additionally receiving very good plans & points upon their specified credit-cards.

I have a Visa Card I choose while in college. It has a set 3% interest rate as long as it is in good standing. It is my go to card. I usually pay my cards off monthly. It saves me so much money compared to other companies. I recommend this card.

On June 8th, 2020 there were two unauthorized charges on my Bank of America account. One charge was for $57.55 from MenuStar, a company that doesn't even service my area, and the other was from DoorDash for a restaurant named Buona, where I've never eaten in my life, for $36.12. I called the company within a couple of days, and by June 9th, there was a credit on my account for these two charges and a fraud investigation had been started. My card was canceled and a new card was sent out to me.

I have this card set up to pay the balance every month, up to $200. I used the card to pay for a hotel stay recently, which was about $300. I logged onto my account a couple of months later and saw my card was not paid at all. I immediately called them to find out why it hadn't been paid. I was told that because my balance was over $200, instead of paying $200 and leaving the rest of the balance, nothing was auto-drafted. It took the customer service representative a while to figure this out. I told him I clearly meant for it to pay up to $200 and could they waive the late fees. I had NEVER been late before. Not only did he not waive the late fees, they also reported to my credit that I was 30 days late and lowered my credit line.

Bank of America, worst bank ever. Horrible and disgusting service... They don't care about their customer at all. they are not helpful at all. Their customer service people are stupid and they have no knowledge at all.

I received this credit card in 2015. Had a high great credit limit to start. In 2018 they decided to decrease my credit limit after paying them off for using it too much. Now I’m 2020 they decided to close my account because I use them too little and stating I’m delinquent on my accounts. When in fact I never missed a payment and I have a zero balance. You think they are helping you keep your credit and build it up more but they in fact are destroying credit. When you call to get answers, they give you the run around and connect you to 10 people, still without an answer. Terrible service and very unprofessional. I will never recommend this credit card to anyone.

Updated on 09/24/2020: I posted a review a few weeks ago about BOA so this is an update. What this company did to me is much worse than I originally thought. They reported three late payments for a membership fee not anything I purchased and then closed the account. BOA said, "Didn't you get the letter we sent you in April about the membership fee?" Excuse me BOA but I am a healthcare worker and in April 2020 I was busy with a global pandemic and only had once concern MY PATIENTS' LIVES AND MINE!!! Not only did they ruin my FICO score but now I will not be able to get any decent mortgage to purchase a home. I'm not through with you BOA. This is not the last you will hear from me.

I have excellent credit, in the upper 700s and pay all my accounts on time (credit cards, utilities, store credit cards). When I apply for credit I always get the highest amount of credit. I am 67 years old and my credit report shows on two late payments (one when I was 50 and this one from Bank of America). I have two Bank of America credit cards. One I hardly used and this is the card I am writing the review about. I had a zero balance. The yearly membership amount became due and due to all going on with Covid I just plain forgot to pay the bill as I knew I didn't purchase anything so in my mind no balance was due. I did eventually pay the membership fee so the bill was actually 40 days late.

Do not use Bank of America for anything, including credit cards. I used to have a checking/savings account with them, but I closed that out years ago due to ridiculous fees. Never been happier since moving my money to a local credit union. I still have a credit card with them. If I could cancel it I would!! I've never paid my credit card bill late and I always pay in full. This month I was late to pay my $38 bill by 42 minutes. They charged me a $25 late fee and $1.50 in interest. I called and asked that they waive the late fee since I am a loyal customer of over 10 years and have an excellent payment history. They refused to waive the fee. For a $38 bill that was 42 minutes late. They do not care about their customers!!

I have been a Bank of America customer for over a decade. I recently tried to log in to pay my balance. My password and user ID were correct. I have been using the same computer for years to access my account online, without problems. It is set to allow an assortment of cookies from Bank of America which are set to clear when the session is over in interest of security. Occasionally, I am asked a security question. Today they asked for me to receive a text or phone call to verify my identity, something which has never occurred before. I have no intention of allowing B of A to station permanent cookies on my computer and track me all over the web. I use their credit card and every time I do they receive fees. That is the sum total of our relationship as far as I am concerned.

I took advantage of a BofA credit card offer and borrowed money at a low rate. I have done it before, so there was nothing new. They immediately add their fees/interest charges to the principal I borrowed. If I pay a One (1) day earlier than due date, they log the payment for the previous period. If I pay One(1) day later than Due date, they slap me with late payment charges, and report it as a delinquency to the Credit Reporting agencies.

This Bank is the absolute worst bank for credit cards. I have been with this bank for 3 years and have a secured mastercard. I have numerous credit cards with other business's and hold a credit score of 620. I have tried to move my card into a unsecured card and keep being denied for absolutely no reason. I will be moving my banking to another bank. What a waste of 3 years.

Overall good credit card, no fees for joining and they work with you if you're having financial issues. The only negative is they need to provide more award incentives especially to long standing customers. Good customer service when trying to contact them.

Read This before you get a credit card from this company or do any kind of business with them!!!! So I got a corporate card with a $29,000 dollar limit about 7 years ago my credit score was always in the 800's my usage was always low and I NEVER paid a minimum payment when the bill was due. When Covid19 hit my Credit Union misplaced a payment and then reported me to the credit bureau and it impacted my score immensely, I immediately called them and they corrected the mistake and sent me an email stating that the late payment report was incorrect and sent a correction letter to the credit bureau and the following month the late payment was gone and my score rocketed back up to 820.

I love Bank of America!! I have been with them for about 10 years, and everything feels so easy there. No hassles. Their customer service is outstanding. I can say without a doubt when I "press 1 for English," I really get English. It is such a pleasure to deal with them.

I charge everything that I buy to this cc. The rebate is great plus they keep a very tight eye on the account. If they notice anything unusual going on in the charges you are notified immediately by an email. To reopen the acct. personal questions are asked. No ssn or bank acct nos. Excellent watchfulness. Highly recommend.

As someone who lives abroad and travels often, I really love that my Bank of America Travel Rewards credit card has no foreign transaction fee, rewards me for all spending, and rewards me even more for travel-related expenses. The rewards can be redeemed as cash or a credit on your statement (for the best value) which is as good as cash to me! The online platform is easy to navigate and offers the option to schedule credit card payments so you never miss one and aren't charged late fees. You can also set up various alerts that can be sent to your phone or email when there's suspicious activity or just for purchases in general which are super helpful when you're traveling.

I have been a credit card holder in excellent standing for 16 years and have a very high credit limit. I happily paid off my credit card balance after a difficult time losing my husband unexpectedly. In the 192 months I have had this card I have always paid at least 15 times the minimum payment and ALWAYS on time. My credit score is excellent (800+). Recently I disputed a charge as I didn’t recognize it. They closed my account and won’t reopen it. I went to the bank in person and I’m wondering if they don’t want my business because my interest rate is low and I have no balance. Blood suckers is all I can say. They loved me as a customer when I had a balance but now after 16 years and a zero balance, I am nothing to them. For shame.

It is mid July, 2020 and I am having severe problems using my BofA Credit Card. Never had these problems before. My charges are being declined CONSTANTLY. They say say I have unusual/suspicious activity. This is not true. Some of my declined charges have been placed on the card monthly for over two years. I call the CC Security Depart and they say they have fixed the problem for me, but my very next charge will be declined again.

During pandemic, I made an online clothing order which apparently never went through (verified this with merchant after not receiving item). I saw charge on my credit card and disputed it. I had an email from the merchant verifying order was never completed (I never received the dress I ordered and order was never verified with merchant). However, Bank of America CLAIMS they investigated dispute and reinstated the charges, even though merchant admits order was never processed. So now I apparently owe money to B of A for an incomplete order.

I did a balance transfer for 0% is paid off by March 2021. That was not going to be a problem for me until the COVID-19 crisis. My husband lost his job so although I can still make payments and make them on time I can’t make the large payments in order to pay off the loan before the deadline. I called and asked them if they could extend the zero percent and why and the answer was just no. Sorry! So if Bank of America is saying it’s going to help its members during this crisis don’t believe it. Unless they’re just helping everyone but me.

Very frustrated with the BA. Clumsy and disorganized telephone system. Every time I need to call, I am transferred to 3-4 people, which are very incompetent, until I get to some who can help me. Very little help with disputing fraud. Takes enormous amount of time, I do not receive any updates on the status of the claim. Falsely advised by a representative to return an item and reassured the shipping costs (almost $50 will be covered by the BA, if the seller refused to compensate me for it). After I paid the amount for a return shipping, I was told by the next representative, that the shipping was going to be my responsibilities. I am waiting for the resolution of this claim and I am canceling any business with BA.

I have had mostly good experience with BofA until about a month ago. They switched my account to paperless without notification. We always get paper bills because it helps my wife and I keep track of payments. Then when my payment was late didn’t let me know until exactly at 30 days they sent a report to Experian, who notified me. I had paid the account on time as far back as the records are in the system. It took my a while to find the proper account to pay the bill. Then I asked for a review of the credit report from both Experian and BofA and explained the lack of notification and they both would not help me. I had perfect credit and could have all been avoided. Be careful if you have a card with them. They will stew you if they get the chance.

I have been banking with this bank for about 10 yrs. I have reg savings- checking-business curving and a personal credit card, which I have a great credit history and have kept up with my credit card! Decided to apply for business credit card and was denied!!! Due to a bankruptcy from over 10yrs ago I thought this is a joke! I never expected denial from a bank I have built a great relationship with and trusted!!! Very disappointed! I will new bashing elsewhere!! They truly suck! I don’t even need the credit card, I just wanted to establish credit for my business! Do your research and don’t trust this bank! I really thought they were awesome! I was always recommending ppl to them! Although ppl have told me they suck I didn’t believe it until now!???

Bank of America credit card charges interest even though is illegal when a customer pays their entire balance every month. I contacted them. They apologize but still continue to do it. This a company that scams their customers. Do not recommend.

Deceptive interest charges. I recently paid off my entire credit card balance with Bank of America. The balance was over 5,000, I saw my balance on the statement back in March and decided to pay it off and end that. Two months later I still got a new bill stating I owed 59.00 because of interest charges. I called to speak with a rep who told me, "Yeah we bill interest months behind," I asked, "Where is that shown on my statement? It stated on the statement I had that my balance in its entirety was X. I paid X and now you are coming at me with Y." I asked these surprise charges are not cool and they proceeded to tell me they aren't a surprise. I told them they can spin that however they want but this is a surprise charge because the customer has no proof or information on their statement that shows this, mind you I haven't used the card in over 6-8 months so there were no new purchases.

My husband and I have had Alaska Airlines Visa cards handled through B of A for over 40 years. We have had a terrible experience: replacement cards or refunds not received within the promised time frames, and different stories told by different service reps and supervisors.

This is with regards to the Customer Service of Bank Of America Credit Card named “Raquel of Dallas Office” for being rude and without compassion for a preferred member like me today of April 15th @1:15pm. I called up because I apply a deferral payment of my credit card last April 1st, but I received an email saying that I’m past due with my payment that’s why they can’t do that. I said it’s set up automatic payment to my checking account that’s why there’s no way that it can not be past due! And then she blame me of not canceling the auto payment which I said because I always “trust” the Bank of America. And all I’m asking is to deferred the payment for this month because I need that money for my groceries, in this pandemic time. She said she can only refund my money of $80 for July and asking me about the routing number so she can finalize the refund for July!!

A vendor charged my credit card but did not provide the merchandise. When I disputed the charge with Bank of America, they said that I cannot dispute because I signed the credit card receipt. I contacted everyone I could including their CEO but nobody responded to my complaints. Bank of America is a thief bank that only helps rich people. They will take your hard earned money and give it scammers without any hesitation. Stay away from this bank because they will scam you eventually. Do not use their credit cards because there is no purchase protection.

Had my bank account hacked and went into a branch office to open a new account. The rep opened a new account and sold me on opening a new credit card with them as well. Fifteen minutes after leaving, I reconsidered that I don’t need another credit card, so I called B of A credit card department to cancel the application for the card. The rep tried very hard to convince me that the card was a great deal, but I told her I don’t want another card, I don’t want an inquiry to hit my score, and I’m just going to cancel it ASAP anyways. She insisted that there’s no way to cancel an application once it’s submitted, until it’s officially approved or rejected; she supposedly ‘checked’ with her manager and reaffirmed that it’s impossible, and claimed that she’d worked there 20 years and never seen it done.

I applied for this card a few months ago, was approved, $8,000.00 credit limit, 0 interest on transfer for a period of time, I transferred money from another card and now have the balance of the transfer almost paid off, I made my monthly payments on time, I have a credit score in the high 700's. The sent me a letter the other day stating that they have closed my account, if there are reward points associated with this account, they will be forfeited. They also stated that "your risk profile no longer aligns with the bank's risk tolerance." What is going on with BOA? I filed a complaint through cfpb asking for answers? I check my credit reports and everything was positive and unchanged since I applied for this card. I will get answers, as this type of treatment should never happen to anyone!

I have been a customer since 2003. I have excellent credit and always have used BoA. My wife recently passed away and I retired early due to that. I just found out without any notification they canceled my card. I called and they told me it was for non use. Really, I have other cards that I haven't used four times and they did not cancel them. To cancel a customer with great credit because of non usage for a period of time is a bad decision. I'll never use or recommend them because of that. Use Chase or Citi, I have been a customer of them for 25 + years. Hopefully BoA will stop sending me their junk mail now.

Our small business has been shut down. BofA is offering no payments or late fees until June 15th which is amazing HOWEVER you are PAYING ALL INTEREST during this time. Which as you know more cards are 18-25% APR. This is your idea of assistance. Allowing customers to pay their minimum payment WITH ZERO INTEREST now that is help but for you to suspend our payments and MAKE MONEY ON MY MONEY WHEN I HAVE NONE is a CRIME. SHAME ON YOU. Please do not advertise as assistance for small business because this option KILLS US. How can you do this to your customers when I have suspended collecting ALL rent from my salon stylists you want to collect interest on my money. I will be cancelling your card as soon as I can pay off my debt since you are doing nothing to help. BIG BUSINESS AT ITS BEST.

Don’t bother with Bank of America. They make you go through hoops and have very unreasonable standards to prove any fraud. Ended up costing me more to prove fraud than the actual credit. Go with American Express. Much better protection there and better customer service.

Blackmailed me. I consider them Bank of America Credit Department a criminal. Enjoyed high interest for more than 2 years. When I paid the full amount. A woman in the credit department said, "You have so many other credits card balance, I have to shout down your credit card or lower your interest. Then lower the credit limit by 80%."

This is by far the worst credit card I have ever owned. Bank of America always had a bad reputation so I don’t really use it a lot but what a nightmare I’ve had in a short time I started to use it. I’ve been keeping track and it’s been six months where if you call In it’s at least an hour and a half to two hour wait, when you finally reach someone will say, "Yeah the site is down again and there’s nothing we can do," they had to actually refund me money because they took an over payment because their site was down and when I called in the rep gave me the wrong information, and the refund of the money took three weeks, really you're going to hold an over payment for that long? It’s amazing that it’s gone on this long. Not sure where they get the nerve to charge the highest percentage of interest which is why I really don’t use them a lot just in case I end up having a balance because clearly their profits aren’t going to service or even the most basic of upkeep.

I recently paid off my B of A MC bill it was over $13,000, the next month there was a balance of $109.26 which I called and asked to have them remove it since I paid off the balance, every manager I talked to said they could not remove the charges. I have dealt with other companies that could remove the balance plus I have been a customer for over 58 years with a saving, checking and credit card over the years. They are just too big to remove such a small amount, I told them I lost my job that didn't matter. I will no longer use their credit card and be moving my business to a local credit union that cares about its customers.

I've been using the Cash Rewards card for quite a while now; however, I started making greater use of it in the last 5-6 months as it offers a 3% cash back bonus on online purchases. Since that time, I've had a monthly spend in the $2k-$3k range and do not regularly carry a balance. Most recently, I had a payment due date of 2/19; however, I have been extremely busy this month, and missed the payment due date, but promptly paid it first thing the next morning, 2/20, prior to 9:00 AM ET. I had a very modest minimum payment but submitted a payment of $2k. I found a "late fee" charge on my account for $28 (surprised at how quickly they applied the fee to my account). I called customer service and spoke to a nice woman based in Virginia. She read me the usual script... "this is a valid charge, blah blah blah."

Couldn’t help get companion ticket for flight. Companion ticket was earned but had to use B of A card to purchase flight. Flight was $1320, card limit $1000. Paid balance every month. Asked to extend limit told no. Asked if I could pay cash, told no. Asked if I could pay $1500 toward card, told no. Earned benefit but can’t use it. Every representative says “sorry”. Every representative wants to help but can’t. Great credit, no debt other than mortgage. Can’t extend $320 for purchase of flight. Wouldn’t partner with them again. Love Alaska Airlines, displeased with B of A. Terrible partner.

I have excellent credit and have had all my life because I believe in paying my bills on before due dates and always have. I (on my own, dumb me) signed up for this credit card. Received quick and a 30k credit limit. Yay. I was sent out of the country and did not receive my mail because I knew I did not have any credit card charges with Bank of America (this new card I had just gotten). I get back to the states, checked my mail, and there is 178.00 due. A 95.00 annual charge just to have the card, you are charged right off the bat before you ever even use the card. Then late fees on top of that and interest. I am LIVID.

Bank of America adds unwarranted fees to Credit Cards and then charges interest on them without your knowledge. This happens often and is why I moved all of my accounts from Bank of America. My example, on 10/02/2019, I paid off my account balance on a credit card in my name which has been closed for years but carried a small balance. Bank of America verified that the account balance was zero and that the credit card was closed. On January 20, 2020, I received a letter from Bank of America (no emails, texts or other warnings) stating that my payment is overdue by several months. When I logged into my closed account, I saw that on 10/22/2019 Bank of America charged me $23.50 for "interest charged on cash advances". This account has been closed for years. I've never taken a cash advance.

We had a balance of $42 dollars. Decided to apply 191.80 of cash toward our balance knowing we had charges since the last statement. BOA charged us an additional $25 for late fee and justify it by saying we still owed a payment. Must be some new math they use, if we owe $42 and paid $191.80 how can we be late. Tried to get resolution out of them but they said it is in the policy. Not sure BOA is a credit card I will continue to use. Lots of better options out there.

Worst bank ever. Worst customer service ever. Worst automated phone service. If you want to constantly have to call for mistakes on your account on their end, this is the bank for you. Auto-payments always coming out late with fees, random unexplainable fees, auto-system for customer service is crap and constantly it tries to direct you to the app that it fails to even connect with. To top that, the customer service is always terrible and the people are always condescending. They never help and constantly transfer you; usually to the wrong department. This is the worst bank I’ve ever had the displeasure of having a card with. I have to call at least every month about some mistake on their end on calls that take up to 2hrs. Associates tell you different things and contradict each other. They are horrible. Do not bank here or open a card here. I would give -1000 stars if that was an option.

I have a number of credit cards and have never had such a hard time with a bank as I have with BOFA - they are hard to reach (you have to call and then wait to talk to someone) and their online systems are full of errors (e.g., I had a very hard time setting up autopay correctly). I cancelled this card.

Today I was unable to file a transaction dispute online. Had to call 866 number instead and speak to someone who requested my login information, my Social number, along with information about the transaction that I am disputing. So that my neighbors could hear all this. Then I am told to send the sensitive information to Texas by snail mail or by fax. This puts my identity at risk and I am not doing this. This is how Bank of America treats their longtime loyal customers who have never missed a payment and have excellent credit score. I am very disappointed and will stop using credit cards with this bank altogether. I do not recommend this bank to anyone; there are far better choices.

For years, I have routinely made phone payments through Bank of Am's automated system on two credit cards. Today when following the usual routine to do so, I was shifted to customer service in Atlanta Georgia and asked strange questions to verify my identity so I could make a payment. When I told her how odd this was, she told me that this was standard operating procedure and I was wrong. It was impossible! After 15 minutes of nonsense of the person asking questions that were not even close to my address where I have lived for over 30 years or persons I did not know with my last name, I told the person I was an attorney and wanted to speak with a supervisor.

I came to BOA for a credit card 18 month interest free so I transferred another credit card balance to take advantage of this service. I set up my payment accounts to make online payments, made my first payment from my savings account. BOA processed my payment as a checking account payment which caused my bank to refuse payment, which caused BOA to charge me a late payment fee. All things in this process are understandable BUT when I went online with BOA to get my card paid I was totally locked out of my account.

Their terminology on credit card eBills are at odds with the ones on the statement. For example if you were to map “Account Balance” on the eBill to mean “Current Balance” on the statement then you would be wrong. If you were to map “Amount Due” to mean “Statement Balance” then you would be wrong again. I do not believe that these are innocent mistakes.

While this credit card works fine most of the time in the United States, it has been useless while traveling internationally. The usual response is for the transaction to be declined and an alert to show up on the BoA mobile app. To complete the transaction I use the Barclaycard Arrival+ card which works every time and sends me an email notification of the transaction so I can detect any possible issues. Very different and far superior approach to that of BoA. I like BoA for my other banking needs. They just fall flat in this area.

I waited 30 minutes to get customer service. They didn't apologize or anything even after I mentioned that I waited 30 minutes and asked them if they had server issues. Chase and Capital One are much better! The longest I wanted was 2 minutes to get to customer service.

I've been trying to find out if I'm even covered for an issue I had with a hotel reservation not refunding me for a last minute cancellation of their own sponsored event. This was my whole reason for even using my BOA Rewards AMEX and not my debit card to begin with, in case God forbid something happens. SO now I have spent 2 days and several hours later and still have zero help. I called the number on the back of my card which connected me to BOA, they told me I had to talk to AMEX, then I was transferred to AMEX who told me I had to talk to BOA. Then this circle went on forever, in my 2nd call trying to resolve this and just get an answer I was transferred 6 or 7 times between BOA and AMEX. So I guess no one knows what they are doing and even though your card is supposed to come with benefits you can't actually ever utilize them since no one knows anything.

In September on a trip to Rocky Point Mexico, I bought Latisse from a local merchant. When I got the product home and opened the sealed box, I discovered that the a portion the seal on the cap of the plastic bottle inside had been broken; the plastic top of the small bottle had been cut off; and the bottle was completely empty. I called Bank of America credit disputes and got a temporary credit for the purchase. Despite sending pictures and offering to mail in the fraudulent product, the credit card company is making me pay for the product. Their reasoning is that they cannot prove that the merchant sold me the product in this condition. Needless to say and even though it is not a large amount of money, I am furious that a merchant can (deliberately) sell a fraudulent product and the customer has no recourse.

I have been a LONGTIME client of Bank of America for "Personal & Business" banking for near 30, THIRTY years!!! Though, when I wanna try to do all my business with 1 bank, and transfer a balance to their Rewards Card, the experiences have been awful carrying this card!!! The customer service in this department Doesn't Matter and they Don't Care, as if they aren't even associated with the good name of Bank Of America and the years of customer service I have received from their outside branches!! I have been with the bank since it was Nations Bank, long before it became Bank of America. Having this Rewards Card has shown me a big difference between what quality of service is. The credit card department is poor quality, and they are about to lose a Preferred Client, whatever it means to them.... Very disappointing!

Bank of America has the worst credit card available. If you need help, you can't call customer service to speak with an associate. The voice machine only gives you certain options. If you don't answer what it wants, it hangs up on you. If you will download the app, then you can actually speak with someone. I did not want the app. I have too many apps on my phone already. Why couldn't I just call?!! Secondly, they have the highest interest rate of all of my credit cards. When I was able to speak with someone, they refused to lower the rate. So, I will only charge a little once in a while and pay it off immediately so it doesn't cancel and hurt my credit.

Bank of America credit card customer service for the Alaska Airline mileage card is the most disorganized, rude, and totally dysfunctional customer service I have ever dealt with in my entire 65 years on this earth. They have a payment system in place online to pay off your monthly balance. For the past 2 cycles I have gone to the site to make my payment on a timely basis as I had done in the past. Well this time, I make the payment online and there is no acknowledgement that the payment has been processed (standard practice for all others is to show acknowledgement immediately). I go back into my account the next day still no acknowledgement of my payment. Therefore, I think something has gone wrong with the transfer so I resend.

I am disappointed with Bank of America Credit Card Disputes Department. They will not fight hard enough for a $400 wrongful charge. I should get an American Express instead. At least they look out for their customers. This after being a customer at Bank of America for almost 25 years.

They kept raising my credit line when I told them not to. I told them I’m on SSI. They didn’t care. It went from $500 to now a $7,000 credit limit with a insanely high interest rate and somehow I now owe them $4,000 with a interest of about $100 a month. Now I have to find a way out because I’m sinking in debt and it’s killing me that I might have to go bankrupt because there is no other way out. Plus their customer service is the worst. They quickly judge and form an opinion on you. They don’t have compassion for you. I’m starting dialysis soon. They could care less. I regret the day I ever got a credit card from these people.

Absolutely fraud.. I applied for a credit card with a 0% balance transfer fee and then when I was approved, I called to make a balance transfer. The agent told me there’s a 3% transfer fee on the card I applied for and that I was given the wrong information while applying after putting me on hold for 30 minutes. So I decided to cancel my card. I feel frustrated to have my time and energy wasted on them. There are way better credit card companies with better services than this!

So, I’ve been with Bank of America for years... started rebuilding my credit and since then I’ve purchased my 1st home. I have zero regrets about doing business with BofA as that is concerned, because it proved to be a benefit to me in the long run, but as of today I’ve decided to move on. So, I contacted the credit card department requesting for a credit limit increase and was denied for past credit issues that I experienced 10 years ago and have since improved... Bank of America even reimbursed my deposit because of my good payment history. So, I have decided to pay the balance in full and seek business elsewhere.

Bank of America has killed the one service that differentiates theirs from all other credit cards, and the main reason I have remained a Bank of America customer since 1977. ShopSafe is a web service that allows a Bank of America credit card holder to create a virtual credit card number for use online. Once a charge is completed with this virtual credit card, it is locked to that vendor, and all other charge attempts are rejected. Bank of America killed this service on 20 September with the assertion that equivalent services such as Apple Pay, Google Pay, PayPal, and Verified by Visa are equally effective. In the seven days since this unfortunate event, I have made no less than ten purchases online, and NONE of these "equivalent services" were available on ANY of the sites where I was shopping. Bank of America had a service that differentiated them from other credit cards, but NO MORE.

They never credited my payment of $1000.00 dated July 3, 2018. It has been verified by my bank that my check has been cashed by B of A. I am an add user of my friend that applied for this account but I am just the only one using it and paying it as well, and the fact that it is so difficult to communicate with them since I am an add user, and I am the one that paid off the balance which it is already 5% balance paid off compared to the outstanding high balance of $14000. And for some reason that my Visa card has so much credit available but they keep declining it for no apparent reason.

I set up bill pay for the balance on a physician visit. The money was removed from my checking account. However a month later I received another statement from the physician’s office saying I hadn’t yet paid. When I contacted B of A they confirmed the check wasn’t cashed. How is the consumer to know the check never made it unless we get additional statements and late fees since the money was removed from the account by the bank as a completed transaction? Seriously flawed system.

Would you like to spend $100 on international phone calls to call Bank of America and be told by the 8th representative that your issue got fixed and then find out that your issue is still there. Then go ahead and apply for their credit cards. Git forbid you are a military member going overseas and thinking to apply for this joke of a bank. Save yourself the money, time and anger dealing with the most untrained stuff in the history of banks. No words to describe my disappointment. Now we are stuck overseas with this credit card and literally nothing that they can help us with. I miss Chase and Usaa and any other bank.

They might as well not bother with mobile banking other than looking at your account and locking your debit card. Mobile deposits are a waste of time. You are supposed to be able to use the funds right then. Otherwise you can just go into the bank if you want to deposit a payroll check. It's stupid and very frustrating dealing with them. Nobody can do anything with a system that should automatically operate without people. They are the worst and I see why they have lawsuits against them.

Have been with BofA close to 30 years. Last year they changed my checking and savings account types so they could charge me higher service fees. Last week I removed 2 auto payments from my checking account. This week BofA emails me that there have been important changes to my credit card accounts but doesn't say what those changes are. Today I get one letter for each of my three credit card accounts that says they decided to close them. They stated the reason was that I had recently made late payments, which wasn't true. I should have left BofA a long time ago.

I had a Bank of America credit card for nearly a decade, which I paid off monthly...So, while I am a responsible financial consumer, not a very profitable account-holder. My recent balance was $34.05 with a $25.00 minimum payment due. I realized that I had some reward credits available and decided to credit $34.05 to the account to take the balance to $0, right? Wrong! Apparently, even if the reward covers the entire balance due, they do not cover the minimum payment due. Oddly, if I would have had the $34.05 deposited FIRST into my checking account and THEN transferred it back into the credit account, all would be good!?! Unfortunately, that was not the case and so I was charged a $25.00 Late Payment Fee.

I'd like to start by saying in terms of rewards BOA has some great deals and I have been very pleased with this aspect of the card. However, if you are looking for a reliable card this may not be the one the for you. I have been a cardholder for approximately 5 years. Within this past year I have had 3-5 of their credit cards completely stop working. The chip will stop reading and then they will not swipe at all. This cannot be anything dealing with with limits or amount of credit I have left on the card because it is paid in full every month.

This bank allowed a merchant whom I was unaware was charging my account long after I stopped using the product. The merchant would just call B of A and get my new expiration date AND 3 digit code from the back of the card, indicating I had my card in hand. I contacted them in January when I finally became aware of these fraudulent charges. Norton was in cahoots with B of A, year after year, providing them with my (private) CC information without asking that I sign an authorization. I am currently looking at this as a true legal matter, as my credit scores took a 100 point hit right after this happened. May I also add that I was a cardholder for 20 years with B of A. They treat their customers horrendously. They should be stopped. This is total banking fraud.

I had a rewards credit card with Bank of America linked to my business account for many years. Card had a high balance but was I was never late or delinquent on payments. On June 25, 2019 I paid off the card in full. On July 23, 2019, I received a letter from Bank of America stating they had decided to close my account, no reason, nothing. My card had a rewards earned balance of $5.65 on it at the time they closed the account. The rewards shows on my account online but my access to it has been removed.

Have to wait 29 to 43 minutes on the phone. I have better things to do than wait or wait to be called back. Ridiculous. Worse, I do not conduct business online. They seem to have any way for me to set up automatic bill payment without going online. Won't mail a form. Finished with this card. Move on, folks. There are credit card banks, companies, more eager than they are for your business. They perhaps have gotten too big to give a damn.

I have been with Bank of America for 28 years. I never had a problem until now. I had two credit cards with a total credit line of $35,000, my FICO score is 788. They sent me a 0% offer for 12 months. I decided to use $20,000 for the 12 months. A month after I used the 0% they closed both of my accounts. Reason - I used too much of the credit line. I really don't need these cards as I have many others with similar credit lines but this is how the treat a good customer of 28 years and I have 1.3 million in my savings account with Bank of America. I moved my savings account to Wells Fargo and they issued me two new credit cards with credit lines of $55,000 total. I would suggest you do not use Bank of America. What a horrible bank.

Online BofA is ridiculous! Payment showed that it was done, but then they charged a $25.00 late fee! After calling and talking with an agent, they said they would remove the late fee since I'm never late and send an email with instructions. Got the instructions and I found I'm LOCKED OUT of my account now. It's been suspended!! So I can't do anything, but call and WAIT ON HOLD FOREVER! My credit score is over 820. I take pride in using and taking good care of the many cards I've used and had for over 35 years. Bank of America's CC is the WORST credit card in the 35 years of using credit cards. There are so many better options to spend your money on. I DO NOT RECOMMEND! SHAME ON YOU, BANK OF AMERICA!!

I was 1 DAY late making my monthly payment (never been late before). I called them on the day I made my payment to see if I could get the service charge reversed and they said there is no service charge showing up yet, to call back that pm. I called back and they said there is no service charge showing up yet. I was informed that they can not reverse a fee until it shows up. So, the next am the late fee shows up! I called them back and was told, "Sorry we can not reverse the late fee?!" After spending over 38 minutes on the phone and talking to 1 associate, 1 floor manager, and 1 other manager I am told the same thing over and over!! They really don't care about the customer. :( I deal with multiple other credit card institutes and have NEVER been treated this poorly! I can not recommend Bank of America.

On 06/05/2019, I paid off my Bank of America (BOA) Visa online. I selected the secondary bank account as the payment source. However, later when I checked online (06/13/2019), I found the default bank was charged the payment. Since I knew this was an error, I called right away to get the issue resolved...also called my bank. The associate took my explanation and saw the issue. I had her take the full payment balance from the correct account which was paid right away...but, when she verified the bank to pay the balance, it switched to the default bank. I made her aware of the error (again) and she had to manually correct it to the other bank account.

After 20 odd years of paying via phone my credit card by my bussiness account also held by BofA I'm now told only my personal account will do! They say it's the new law.. None of my other credit cards insists on this! Martin

I filed a dispute with Bank of America on our business credit card. We paid for a website that was supposed to be built within 30 days back in February 2019. The website to this day July 17th has still not been received. The dispute was filed with BOA on March 18th. The website company had 45 days to respond. They lied about doing half of a site which we never saw, they are scammers. I found out that N Lite Corp, has done this to other companies. But they responded on May 13th. I called the bank 3 times to get update and no analysis was ever assigned to the dispute. I had to get 2 managers to try to get an analysis to talk to me and that was not until I got angry on June 24th, which was over a month later. The bank is slow about dealing with consumer issues but quick to call you if you late on your mortgage, car or credit card payment.

I contested a credit card charge on my bill. B of A sent me forms to fill out which I did. Then they said my contested charge was denied BECAUSE I DIDN'T SEND THEM BACK THE FORMS. I called and the customer service person said "I don't understand this, I can see your filled out forms on my screen". So he re-opened the case. Then they sent me a letter saying I had not filled out the forms completely and had not given them everything they needed. They needed a copy of my sales receipt that I signed, but I explained it was a digital download (TurboTax) and there was no sales receipt that I signed! They then said I should have returned the item to the store! I said, "It's a digital download, I can't RETURN the ITEM to the store."

With a visit the the Bank, a visit with visiting Manager, a Relationship Banker and then the Branch Manager, a phone call to the Credit Card Department. I was told the $1.50 stems from an interest that was due from payment that was from a February Statement. Are you serious!!! Rather that the manager saying, "I'll cancel the $1.50, sorry for your inconvenience, thanks for your business," she took the $1.50 and deposited into my credit card account. And you wounder why I gave this branch ONE STAR.

062919- You would think that when you're traveling and weather changes happen, that a bank you spend 10's of thousands of dollars with, would protect your investment. I recently rented a car from Fox Rental Car. They didn't call me back after weather completely cancelled my trip, but they kept the rental car money. Days after trying to get a hold of them, not only did they not call me back, they never answered the dang phone! STOOOOOPID! So, I start a claim with Bank of America, I spend a lot of money on my credit card with them, you would think they would help.

Have been Bank of America customer for more than 20 years. I made an online credit card payment to B of A for over $4,900.00 dollars to a $49.00 balance. I misplace decimal. I called when I discovered mistake. B of A informed me I would have to call back in three days. I called back and gave them my bank information for funds to deposited into my other bank checking account. It has now been three days 6-25-2019. I called today and now informed it is delayed to July 2nd 2019. They use my money for free. I need money back now. Very poor customer service.

Bank of America's automatic payment software is faulty, customer service is hard to get a hold of because of long waits, and the particular person that answered my call was rude and kept me on the phone for long waiting time. I set up automatic payments with a person from Bank of America in January 2019 because I was charged a $25 late fee for the month of December 2018. I wanted to make sure I would not get any more late fees with Bank of America and was helped over the phone to set up the autopay. Apparently 6 months later (since I haven't looked at the account until now) I was charged $38 per month for a 'late fee' even though I specifically set up the autopay to avoid that. My payment was going through on the 6th vs the 5th, making it one day late.

I do not trust this bank! Customer service is horrible. Fees are constantly being charged without reason or explanation. I called to ask why and was never given a full explanation. When I asked to speak to a manager, they are always on another line. Closing my account! They do not deserve my business! I am a loyal customer, I pay my bills on time and am still charged with hidden fees. I deserve better service!!!

Do NOT get a Bank of America credit card. A building in my neighborhood hadn't paid for fuel and the people were freezing. As a kind gesture, I gave a fuel company my credit card, authorizing them to pay for fuel for that month. It was a one-time charge. A few months later, this fuel company provided fuel to the building and tried to get the owner to pay. When the owner kept giving them the runaround, the fuel company -- thieves!! -- found my credit card info (they had kept it without my permission) and charged over 10,000 dollars!

This is the second time I am getting frustrated with BOA and writing review within a month. First one was when I made a payment for BOA credit card, BOA withdraw my personal bank account twice back in May and caused me overdraw, and had to go thru all of their bad customer service to get it solved. This time, I received a called from BOA yesterday telling me my account is past due and charged me $25 late fee while BOA charged me TWICE just few weeks ago. My statement closing date is 7th of the month, and payment date is 4th of the month.

Glad to see I'm not the only one with a bad experience. BoA makes it all but impossible to reach a real person by phone, but what choice do I have when repeated attempts to deal with them online fail because, even though I provide my password and answer several ID questions, I can't enter a "code" they claim they've sent to my mobile phone but I never receive. Latest outrage was that I never got most recent billing statement, only an email saying I'd missed a payment. When I finally managed to get thru to a real person, I was told the higher-than-expected balance due was because of "interest" on my "revolving" account. The rep couldn't seem to understand that I always pay the full balance every month and never authorized "revolving" any unpaid balance.

I have a credit card of BOA. I set automatic pay bill for all my credit card. But BOA has very bad IT serve and customer service. At the beginning, my automatic pay setting worked. But one time failed and charged me late fee and interesting fee. I called them to argue. They said it was my fault. Disgusting!!!

I have set up auto pay from B of A checking account to BoA credit card and the -- auto pay stops SUDDENLY and SILENTLY. Then these $38 monthly late fee is charged for several months amounting to $350 :( while I wonder why my balance on this damn card is not coming down! I have signed up for text and email alerts from them to my mobile and email ID. But when I went to resolve this they said: they had sent a SNAIL MAIL that the auto pay is going to end soon - haha. I also hear it's a Federal regulation that they have to send a "letter". Good. But that's an archaic method of delivery. Why NOT, alert me ALSO electronically, that I have to sign up again for the auto-pay? It's a trap set up by BoA to falsely make customers pay fabricated "late fee". THIS AFFECTED MY CREDIT SCORE VERY BADLY!! BoA: You owe me money! Please return it!! OR MAYBE A CLASS ACTION LAWSUIT WOULD BE MORE EFFECTIVE?

I was a BofA credit card user for fifty years. I paid the card monthly by automatic withdrawals from the bank -never a delinquent payment. BofA unilaterally cancelled my card with no explanation. When I tried to use my earned dollars (about $412) to pay part of my last bill, they said my earned dollars were cancelled along with the card. So, they really are not earned they now say, they are provisionally earned and can be rescinded. My refusal to pay the $412 that I supposedly had earned has resulted in BofA destroying my credit and about 30 harassing calls a week from BofA. I would recommend you use another card with less deceptive advertising.

I received a text from alerting me of fraudulent activity on one card. To call the 800 no. Been trying for 2 days. They put you on hold forever, tried holding for more than 20 minutes. Can't do it no more. Overall this is one of the worst banks when it comes to customer service on their credit cards.

I paid off the balance BOA CC on 5/16, but BOA pull the same amount from my bank again on 5/16 and caused me overdraw my personal bank account. Also being charged for overdraw fee. When I tried to call BOA to figure out what has happened, but I was being transferred 5 times and when I finally transferred to the right department, the customer service is the worst I have ever had. The person was giving me attitude, didn't give any solution to solve the issue and told me to contact my personal bank to figure out. I am having hard time to reach anyone at BOA for this issues and no one is calling me back either. I am now with negative balance in my personal banking account, and not everyone has back up money for emergency. I need an answer and clarification from BOA.

I've had a Bank of America card (Alaskan Airlines) for over 25 years... While overseas I had a new credit card sent to me as they said mine was compromised. It was sent to US address. I had then send it to me overseas in a remote area. I did not receive any billing from them perhaps because I had not signed card yet. I could not access my online info as new card had different number... When I asked for card to be sent to me (which they did efficiently) I paid my overdue bill (...I have been paying the same way for over 9 years.) I found out it had not been paid but returned.

I have set up automatic payment is $500 to be deducted from my checking out on the Due date every month. I just noticed now that the automatic payment was set up for DAY AFTER the due date and Bank of America has been charging me 38 every month for late fee. I just noticed it on the breakdown of the balance. $500 was deducted every month from my bank but $38 was going to late fee and the remainder $427 was applied on the balance. When I called and complained, the agent said “I should have noticed it before” and she can only go back for 3 months!!!

During a financial hardship a few years ago, I worked out an agreement with BOA to draft a minimum payment out of my checking account each month. April of 2018 I noticed my account was charged a "late fee." I asked how this could be when they draft the money out of my account! I called and they removed the late fee and brought my account current. Apparently, the person manually entering in the payment when they received it entered it in a day later than the due date causing it to be past due. I have not looked at my account or statements since, until March of this year (2019) and I discovered that since October 2018 up until February 2019, it showed I had 5 straight months of late fees again!

I have had a credit card thru Bank of America sponsored by Allegiant Airlines for almost 2 years. Never have a missed a payment on this card. Out of the blue, they closed my account stating that after a recent review of my credit the card should be closed. Even though I've never missed a payment they still closed it.

Approximately 8 months ago I was visiting with a personal banker who was aware of my prior credit issues after losing my husband. I went in one day to make a large deposit. Between her and a Merrill Lynch representative they both told me to apply for an unsecured credit card to rebuild my credit after a bankruptcy. One of my credit cards with them was included in the bankruptcy. I reminded them of the bk. The application for unsecured card was processed there at the Bank. I was denied. Now I have an inquiry from Bank of America on my credit report a hard inquiry that will stay there for quite a few years. Why would a banker's give you that kind of advice? They're supposed to help you

I had been hovering around 840 to 850 credit score for years and I have also been a customer with Bunch of Ax for over 25 yrs - now I know why they have this nickname I got from a former employee of theirs. Trying to simplify my bills tried to set up auto pay thru them and their system messed it up and for two months straight; it would say it was going to post my payment then wouldn't do it. I got no notices of late payment - instead they went direct to nuclear on me and reported a missed payment to the credit bureaus. Dropped my credit score to below 750. After explaining this to their customer placaters and filling out their useless ream of paperwork to explain the situation no response from them for over 5 months. Worse customer service ever experienced. I am not doing any more business with them. I just keep my card open and will charge a pack a gum a year just to keep it active and let them eat the processing cost of keeping the account open.

I am enrolled in autopay and paperless statements. For the past 12 months I have received emails confirming my payment. Every month! So I didn’t check my online statements. Should have! Every month I was charged $35 late fee on the same day my account was set to auto pay! No phone calls. No email saying I was charged anything in addition to my auto payment. Terrible customer service that it goes unnoticed for this long. I called and they said autopay was set up the day after the payment was due. WHY WOULD SOMEONE PICK A PAYMENT DAY THE DAY AFTER IT'S DUE??? I don’t believe I would have! Every month I paid on the same day. I will be closing this account immediately and never doing business with Bank of America again.

I applied to a BOA offer for an interest free card till Sept 2020 with a no balance fee for 60 days. I had 900 dollars transferred and on the first statement I was charged a 27 dollar transfer fee! in speaking with customer service they were courteous but said because I applied to an offer thru Credit Karma ad - a "third party" the no transfer fee did not apply and they would not refund the fee-the no fee ad is why I applied in the first place! I feel this is false advertising and will be canceling this card shortly -- bah!!!

Bank of America Credit Cards suck! And not worth your time or headaches. It's been 4 months of headaches with them on automatic payments and stopping them adjusting them. I've changed my app and online and nothing changed! As of today my balance is $ 0.00. I owe them not a damn penny. They still allow an automatic payment. I don't get it. It's at 0 balance BofA CC! ZERO means I owe you guys NOTHING! I called customer service and of course, "There's nothing we can do. You have call tomorrow." B my transaction is pending. NO! Take action now, BUT NOOOOOOOO. Ok. Close my account and return my payment. "Oh it's going to take another call tomorrow and 3 business days!" Really?! I owe you guys nothing, you still take auto pay being at ZERO and I have to call you back and I have to wait. What kind of ** is this BofA credit cards. Anyone thinking about getting this credit card - if you can avoid it do so. It's not worth it.

I USED TO HAVE CARD CARD BUT THEY DID NOT SEND ME ANY INFORMATION THEY CLOSED THE ACCOUNT. Then I called them even they cannot reopen. I do not have words. It is ridiculous. I do not recommend anyone use this bank.

I would not recommend using Bank of America's credit cards. They would not back me up on a dispute resolution concerning a company who took a payment, promising a service that they could not deliver. After two investigators were assigned to me through this private investigation company, and both determined they could not help me, I asked for a refund. When the company gave me back 1/3 of the $450 paid, I disputed the charge with Bank of America. B of A sent me a snail mail letter which stated a due date for the details of the dispute the day before I receive the letter.

Almost a week ago, some dirtbag steal almost $400.00 from my checking/debit account. Called the bank and cancelled my card and told I would receive my money back in 7 to 10 days. Money was credited back to my account this morning and also received my new card in the mail today. Great job and service. Only problem was not having the money to pay bills for a week! Very happy it didn't take longer. Thank you for the prompt service considering the facts.

I paid my account in full $0 balance and received a statement from Bank of America with a $29.49 interest charge. I had a $0 balance and I was charged interest on a $0 balance. Called Bank of America to have this charge removed and they refused. I will never, ever use this card again! Pls be aware, they are a fraud!!!

I bought a vehicle from a private party. I met the seller at their credit union. They wouldn't accept my personal check (which was the first mistake), but said they could take a credit card. I used my Bank of America Credit Card. I asked the credit union about a fee. They said they did not charge a fee. I was charged $215 by Bank of America. They said this is a one time cash advance fee. That they told me this when I took out the credit card (which I did many many years ago). So, I am out $215 and they were very rude about it and would not remove it.

Bank of America suddenly and without warning cancelled my National Education Association credit card a couple days after I paid off the balance in full. I can't even log on to see my account! I have been a loyal and responsible customer for many years. Way to treat America's teachers!

I have been trying to resolve an unauthorized charge with my Bank of America credit card for 6 months. I have spent numerous hours upon hours on-hold and discussing my situation over and over and over again. After explaining my situation they say, "I will have to send you to someone else who can better serve you." Then on-hold again for another hour. This is totally unacceptable!

I had auto pay from my bank to Bank of America credit card. My promotional term was over so my minimum due went up, I didn’t even pay late, only amount was not enough for the min due. I send them a message to ask to waive the late fee, they keep sending the same message, "If you are having financial hardship call us and we will talk about options." I reply but I got the same answer 3 times. There other credit cards with better customer service. I will pay my balance and never ever get another Bank of America card again.

After over 15 years of having this credit card and paying on time with good credit they closed my account. Only thing I can think was I had gotten a call asking for information of mine and said they were from Bank Of America. I was reluctant to give it to them asking me where I worked seen as I’ve been working at the same place for over 19 years, same place I worked when I applied for this credit card. I wouldn’t give him the information, I thought it was bogus, I pay my bill on time so why were they asking me this now. They lost a good customer and I sure don’t think the same way about them as I did prior.

Every time I have to call B of A customer support, I end up waiting an average of HALF AN HOUR for a representative to pick up. HIRE MORE REPRESENTATIVES!!! Try getting representatives that are actually located in the United States. I can hardly understand the reps when do pick up the call. HIRE AMERICANS.

I used my Bank of America credit card to book a motel reservation using a reservation site on the internet. Because of the reservation site's "system error", my reservation was cancelled, but I was still expected to pay for the reservation. I explained the situation with the credit card company, since that was how I was to handle this. I talked with person after person, for months and every person I spoke with understood my situation. But the office that makes the final decision repeated denied my claim. The last letter stated they wouldn't respond to any further correspondence regarding this claim. I've had it! I cancelled my card and will never deal with them again.

Spent WAY too much time on this already but want other people to be aware. BOA is a NIGHTMARE. Their customer service is unbelievably inefficient, reps are rude, several have claimed that they took notes when the next rep says they had no record. Chase bank - my checking account, gave me proof of payment that for 5 months BOA claimed my payments were overdue by 1 day when they were received by BOA on time but not being applied to my account until a day later. Each time I was charged a $38 fee. Payments were on autopay and I get wireless statements so it went unnoticed until I began getting robocalls... Even with proof of payment, no refund, rude reps and ruined credit. Caveat Emptor!!!

I have 2 personal credits cards, as well as several business accounts and credit cards with Bank of America. I have a revolving revenue of more than several hundred thousands, and they still treat me like dirt. I had my account and credit cards frozen because of OFAC compliance, 2 months ahead of notice. I gather all the documents, submit it several times online, call them, and get nowhere. I finally take the documents to a local branch, sit there for 3 hours while they fax it and get it sorted out (because they can't handle email very well!) and finally get the confirmation that everything is going to be opened and ok. I ask again, "Are my credit cards going to be fine too?" And hear, "Yes, within 24 hours."

I opened a secured credit card with Bank of America in order to rebuild credit. Unfortunately instead to help me this decision ruined my credit with a 30 days Past Due reported to the credit bureau. 1) Alerts in the website for past due balance does not work even checking and savings were set up. 2) Customer Service for BOA is handle for call centers reps. Humberto **, a rep, was very rude to me when I expressed my frustration with him, very arrogant and aggressive. He transferred me to the "manager" (misrepresentation because he is not a manager, he is another call center rep). BANK OF AMERICA is not anymore the bank that it was in the past.

I’ve had my identity stolen and been hacked and BofA will believe the hackers and not me. I can prove that they’re hackers. I’ve also filed a claim for fraud with the US Govt plus a claim with the county where I live but BofA chooses not to believe me. $799.99 + interest. BofA expects me to pay the identity thieves for stealing my identity. DO NOT TRUST BANK OF AMERICA. I REPEAT, DO NOT TRUST BANK OF AMERICA. THEY ARE HACKERS THEMSELVES.

I have had two BoA credit cards for over 10 years, with direct payment from my checking account. My FICO score is 815. My November payment WAS made for my -9111 account but was not credited to the account. When I received notice of non-payment, I immediately had the "missing" payment re-sent plus an additional $500 to cover pending new charges. I ended up with a credit balance on the -9111 account. I was charged a late fee and interest. I called BoA customer service (one and half hour hold) to ask that the late charges and interest be waived. My request was denied on the basis that I should have made the payment on time. I closed the -9111 account during that call and I received a refund of my credit balance on my account, but not the late fee and interest. Two months later, I found that the "missing" payment to the -9111 account WAS received by BoA, but it was credited to my second account -5043.

This company is completely unreasonable. They would not remove a late fee, even though the payment was only 2 days late and their own system was down. I have a nearly perfect credit score and have never paid late. I paid late one time for Discover Card and they had no problem removing the fee, given my record. Very unprofessional. I closed the account as a result. They were not accommodating at all. I expected so much more from a National Educational Association Bank of America card.

I’ve had this card for 18 years. Paid it off every month and they switched my mailing address to my home address and I missed 1 and 1/2 payments because I did not receive a statement and then when we got that cleared up they have ruined my credit completely while I’m refinancing a house under construction so between never being able to talk to a real person on the phone you literally need about an hour to go through the auto phone robot to tell a real person your issue for them to tell you they can’t do anything. After the moment I received the late statement I had a check in the mail but still no deal. These guys have extreme power and are evil. Hope they need a bailout soon. Time for a change. I will pay the extra over the next 30 years to refi and not renew my card yahoo.

So I called and asked for a settlement on my account. I have been with BOA for 4 years and have always paid my bill and have an account in good standing. I was laid off a few months ago. Since then I have been paying the minimum. Spoke with Account Rep Santrese **. After a long convo she did not offer any help. I explained I am trying to make a good faith payoff to avoid collections and settle the debt. No help was offered at all. No interest deduction no payment plans etc. They said I do not qualify even with an excellent payment record.

I just received and activated a BOA credit card two days ago. Upon trying to use it today for the first time, it was declined. Contacted BOA and was informed that the wait time would be an hour to an hour and 40 minutes to speak with someone. Upon finally speaking to a rep was told that the card was declined due to fraud and I would need to visit a branch to verify I am who I say I am. WTF! Mind you I literally just received and activated this card less than 48 hours ago. Never in my life have I had this kind of issue with a bank or credit card company especially after just activating an account. Not only are their practices absurd they have horrible customer service. I would not recommend anyone use them for banking or credit needs!

There is no 24 hour customer service. If you have a problem with your credit card in the middle of the night, you can't call. You have to have access to the app or website. When you do call during business hours be prepared to waste at least an hour of your time. I think they fired 90 percent of their customer service staff. They do proudly now announce that their staff is "Michael in Texas" or "Jean from Albany, NY" so they're "proudly" not outsourcing to other countries anymore. And when you do finally get ahold of someone they are as pleasant and helpful as can be. So that's great; they gave jobs back to a handful of Americans who are fielding all these calls, and it takes an hour to get through to any of them and/or redirected to the correct person. Overall big thumbs down. Not worth it.

First of, calling to make a credit card payment is a pain in my rear. The stupid automated service makes you go through about 3 different prompts and upsells before I can just make a dang payment. And forget trying to simply say your information. If there is ANY minor background noise, like a baby gurgling or a television talking, the system goes haywire and messes everything up. And it tells you all this useless garbage I don't care about like what my balance is and what my cash advance is and so on. I AM TRYING TO PAY YOU CLOWNS OFF, NOT INCUR MORE DEBT. STOP TELLING ME THIS FLUFF AND LET ME PAY.

Never I will use their cards again. When I bought international ticket the website didn’t make confirmation. When I ask them for confirmation they said, "You must pay more $200," and they charge me $100 without booking the ticket. I have all the information which prove my speech but Bank of America didn’t do anything. Never I will use their cards again. How can I trust them if one stolen me?

Every time I go to the bank in Natick, they always said "you've been approved for a great card where I can earn points for every purchase", not so great when dealing with thieves. I fell for it one day, applied for one and got it. I started using the card instead of using my own money to earn the points. I was never late and also paid them 5 to 10 times the minimum payments; I ended up earning over 37k in points. One day, I got a call from BoA and they told me that they're going to close the account because of my purchases which means that I lost all the points that I've procured through my transactions. I called them and tried to retrieve those points but I got treated like a piece of trash. I waited one month for all my automatic payments to clear and I closed all my checking, savings and IRA accounts. Please stay away from this bank, NOTHING ABOUT ANY OF YOU CONCERNS THEM. NOW I KNOW WHAT IT'S LIKE TO DEAL WITH MAFIA.

I have a Bank of America visa card and I used it from time to time where they did not take Discover. I had put my card on an automatic payment and the entire balance was paid automatical so very seldom I opened my statements, I lost my card and asked for a new card not knowing that the automatic payment was no longer active. As a result I had one missed payment, even though I made the payment as soon as I found out the bank reported that to credit bureau and reduced my credit score from 812 to 726. I called the bank and explained what happened but they refused to do anything about it. I am not using their card anymore and I don't recommend them to anyone. My advice is to use your local bank and deal with people who know you not with those who are heartless and act like robots.