Bank of America Credit Cards Reviews

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.

I have had many credit cards issued by many banks. Nothing comes close to being as crappy as Bank of America's purchase "protection". There is almost no circumstance that is covered under their third-party issued "insurance" program. I can say from personal experience that this bank's "purchase protection" is a misnomer and totally sucks compared to other banks. Do business elsewhere. Anywhere else. But not with B of A.

Horrific! B of A is equivalent to dealing with mafia. Their consumer financial and credit practices are by far the most crooked bank I’ve dealt with in business. Stay Clear, they will destroy your personal credit rating by using your social security number guaranteeing a credit card for business purposes and will report to all reporting bureaus.

Updated on 11/18/2018: After BofA declined my credit card (I have excellent credit) for stating that I had been assigned to credit counseling (which I have not and never have): I wrote a letter to the President. Instead of fixing the problem and writing me an answer, I was just assigned back to the credit card department and given another chance to apply. I missed the phone call; so I called back. Waited 20 minutes for the one or two employees whose job it is to answer the phone. By that time I was so unhappy I just told them "no thanks"; I do not want to reapply. If BofA had any type of customer service, they would have solved the problem upon receipt of my letter and sent a letter of reply. But---oh no, the customer service handbook has never been written, or if it has; it is not being used.

Tried to cancel a card I got when I was first starting out with credit and never ended up using. I called multiple phone numbers from their website and never got an answer after waiting more than 30 minutes. I tried going online to my account to do it - they don’t let you cancel online. I tried downloading their app so I could do it from there. No luck there. Their chat feature is “not available for this product.” There is no email address given. Their nearest physical location is now more than 100 miles away from me in the next state. I finally found an address and I am writing to cancel my card. I am furious that they have wasted so much of my time and are essentially not letting me leave their business.

Bank of America just reduced the credit on 2 of my credit cards by $20000 with no notice 2 months before my wedding. Called customer service who agreed I was a loyal customer for years. Always made payments on time and that it must have something to do with my credit report but couldn't tell me what. Lovely. Do not get a BoA account... Ever. They'll blindside you and they don't care about customers at all. Thanks for the 45 minute wait.

So disappointing. After being a credit card customer for years (and my wife and I have our checking accounts with Bank of America, too) they just played a big one on us. We just finished paying our credit card balance a couple of days ago and in two days after that they reduced the credit limit from $12,800 to $500. I simply feel betrayed. A very unhappy Bank of America customer. I believed it had to be a mistake so I called customer service and they don’t know to tell me the reasons coming up with standard answers. Very subjective customer service and really impertinent to the situation and speaking in third person about the bank “the bank reserves the right” and “they sent you a letter about this but I don’t know when it will reach you.” (Literally that is what G. from West Virginia told me over the phone.)

I have a Bank of America credit card set on autopay, I chose the option to pay the amount due thinking that would cover the full amount, as it is usual for all accounts. Bank of America did not warn me that option was not the full one and I would incur interest, they then proceeded to charge me interest and would not refund me the interest because it was supposedly my error and not the bank's error! Be aware of a sketchy company with poor wording and terrible customer service.

Bank of America's Fraud Department has locked my card at maybe 6 times in my few years of using BofA. They have inconvenienced me with this largely, as I have to sit on hold for up to an hour just to ask them to unlock the card. They lock it for buying things I commonly buy. Nintendo started accepting pre-orders for their new game system and I missed the window several times because my card was locked when trying to buy a video game system. I buy video games frequently. However they didn't catch the time that someone bought Tacos at a place over 100 miles away from me, in a city I've never visited. The fraud department is useless at best, and an inconvenience at worst.

Tried to call Bank of America for the past 4 days to report that my credit card was lost. I NEVER was able to report this. I had 3 hour plus wait times each day and never was able to close this card as of yet! I was able to quickly cancel cards for First National Bank, Northwest Savings Bank, Gap, Peebles, Boscov's, but NOT Bank of America. I am now trying to CLOSE this account because of their HORRIBLE customer service! This is inexcusable. I cannot get in touch with a human to close this account and must now write a letter to do so. I cannot believe it is this difficult to report a lost or stolen card. DO NOT BANK WITH THIS COMPANY!!!

I was on a cruise, which I notified Bank of America, they still blocked my credit card, I had to call into the fraud department to verify charges and they unlocked my card. Last day I get into port, Bank of America took out $1517.11 out of my checking account and applied to my $757.45 credit card balance which left me with an overpayment that I never authorized. Call into customer service and they apologized for the error, reversed the charge, but I still had an overdrawn checking for 19 days, they reversed 2 of the 9 NSF fees and said oh well on the others. I've been with Bank of America 14 years, I'll never bank with them again.

I am calling Bank of America Credit Card telephone line and I have been kept on hold for over 35 minutes. My question is not that difficult for them to answer but I guess they understaff to save money. This is not customer-focused service.

I have had a number of unsatisfactory experiences with Bank of America. I called about an inquiry of a balance transfer and they took that opportunity to lower my credit limit, even though I had the same credit limit since 2007. While paying my card, they had a lapse in their system and charged me late fees on a balance I had already paid. They refused any effort to consolidate funds. It has been increasingly difficult to work with this company and I don't recommend them in the future.

Bank of America attempted to withdraw from my checking account 2 identical payments, only one of which had I authorized. I called to ask that the Bank correct its error and reimburse me for the costs that it caused me to incur: a $29 insufficient funds fee assessed by my financial institution and the $27 returned check fee assessed by the Bank. The Bank’s agents passed me from one person to another -- 5 altogether -- over a period of 2 hrs, 11 min. The last one informed me that I needed to speak with an agent "payment error inquiries." Each time I was passed, I had to start from scratch, including asking my wife, the cardholder, to authorize the agent to speak to me. No agent passed on critical information or explained that my wife had already given her authorization. The last agent, a supervisor, repeatedly spoke over me; he could not have been less helpful nor more bureaucratic. The problem remains unresolved.

We have Mutiple accounts with Bank of America and we experienced very Bad services from them. Very rude and fraud people. I have called last week an agent to schedule payment to one my credit for which amount is $416 and agent scheduled it 3 times through: one, through my savings account, 2. through my checking accounts and they are lying that I scheduled with checks. I do not even have checkbook.

I was notified via text message by Bank of America about two transactions that occurred on August 23rd, 2018 at Bellevue Square mall. These transactions occurred while I was having dinner in Kirkland, Washington. The first transaction at Tiffany’s in the amount of $1,650 was approved by BOA and the second transaction at Tumi for $434.50 was declined. I immediately responded via text message that these transactions were absolutely not mine and my account had somehow been compromised.

They find a way to keep charging interest even when you pay your account balance to zero! They charge an outrageous amount of interest on an unpaid balance, and go up on the interest rate even if you don't make payments late. They are unscrupulous and greedy beyond belief! I never opened an account with Bank of America. I had that credit card through another bank originally, and it got bought out by Bank of America. Do yourself a giant favor! Close out any business you have with Bank of America and get them out of your life and your wallet!

What a scam!!! Been with BOA for over 15 years. Has 3 credit cards with them. NO Annual fee when I first got them. Always pay on time never late. I had auto pay so I don’t normally look at the bill and then just found out that I’ve been charged annual fee $59 each card. Called and asked for refund back, representative refused to do so. What are they thinking to start charging the loyal customers. The marketing trying chase us away especially that you can’t refund the annual fee back as courtesy. I have to call back until next Annual fee charge to review if I’ll be charge in the future or not??? I don’t think I’ll stay until next year for you to charge me. Will close all cards and be with other bank that cherish the banking relationship with customers not a money taker!! Very disappointed!!

B of A lost my cc payment in their cyber system and killed my credit scores 200 points. I made the payment 7/20/18. B of A claims first on 9/5/18 it didn't go thru because I have NSF, my bank will write a letter stating I had sufficient funds. 9/7/18 B of A claims I had entered the account number wrong in the automated pay on the phone. The money then leaves my account 8/13/18 to B of A, per my bank statements. I am told to call back on 9/10/18 and speak with Evelyn ** who informs me my request was denied.

On Labor Day my wife and I went shopping. She then tried to purchase her merchandise using her B of A rewards card and the card was declined. So she completed her purchase using another card. When we got home I got online and tried logging in to the Bank of America website only to find out that my username and password had been removed. It turns out that they had cancelled our cards and did not notify us that this was happening. Their offices were closed on Monday so I called Tuesday and the fellow that I spoke to could have cared less.

Filed a claim for a $35 charge for a parking fee from Hilton Hotel San Diego that I already paid for at the hotel. Received awful service from BOA AAA Financial. They kept forgetting about my claim and losing information about it. I spoke to a different rep every time I called in, so naturally I had to repeat the scenario every time. I have a great credit score and always paid my bills on time with BOA. But, that made no difference to them and they sided with the hotel immediately, I felt. I finally got in touch with the Hilton Hotel and they reimbursed my $35. I thanked them for finally getting back to me after 2 weeks and thanked BOA for nothing. I had to handle this claim on my own.

I have been a client with Bank of America World Mastercard for 11 years. After 11 years of on time payments with no late fees I called today to see if I could have a one time courtesy waiver on a late fee on a payment I made one day after the due date. I had accidentally mixed it up with another card payment date. When I called I owned that I had made the mistake. Trevon with customer service told me that they assess the situation and if it is not a tragedy or bank error they will not consider a waiver. So they can do a waiver, they just need to decide first how tragic your situation is. This seems discriminatory to me that one individual gets to decide if the story I tell them is worthy of forgiveness on a one day late payment. I guess telling the truth gets you nowhere with these folks. So they will be losing an 11 year customer that has two cards with them over one silly late fee that they could have waived if they felt I was tragic enough.

I attempted to complete a credit card application online with a mobile device. I kept getting error messages and though I thought I was correcting these errors I still could not submit my application. I was, however, allowed to save the file. I made a 2nd attempt at this process the following day and I kept getting the same answer. The system offered a chat, but unlike other chat services the person at B of A had no clue what I was attempting. My suspicions are that B of A wants you to setup an online account and further to open a checking or savings account, but the website never indicated such. ** CONFUSED.

The merchant response team at Bank of America is rude, unorganized, and lazy. They did no due diligence to look into my claim and the information I submitted. They denied the claim with the general letter saying Bank of America exhausted all options to obtain the money from the merchant. Which is complete BS because it was obvious they never reviewed the proof I sent to them, did any research or looked into it, and said they have no control over the merchant's refund process and terms and conditions. What's the point of a disputes department if they always side with the merchant and don't take the appropriate steps to protect their consumers? I'm done with this bank. Moving to one that cares about their customers and protecting them from fraud.

I have a BOA credit card that I have had for years. I set up automatic withdrawals every week to cover my monthly minimum so I don’t forget or be late with the payments. Since Nov of 2017, BOA has continued to withdraw money weekly covering my payments. In Dec of 2017, my last electronic withdrawal was after the payment due date. They charged me a late fee. It continued from there. In April I received a notice via email indicating that my card was past due. I get my statements electronically so I don’t really check as long as my monthly withdrawals are coming out weekly through my bank. I spoke with a rep of BOA and she advised me of what was happening. I paid the last balance of the late charges... this late payment charge continued through August 9, 2018. I spoke with BOA on August 7th indicating I was unsatisfied with their credit card services and requested my account be closed and advised them I would pay it off.

Wait times on phone call UNFORGIVABLE!!! Card showing as invalid and unusable today, options on call center do not address the exact issue, likely a security breach of some sort, but no way to solve the problem and no way to know why unless you visit the ".com" website, which may or may not give me an answer...presume that the 1.5 hour wait time is to encourage FEWER calls, very upset, dinner tonight will be something cold as I have wasted my time on-hold. When did this become "good customer service"???

Their service has gone to hell. It can take over an hour to get a customer service rep. We were hit by a scam. They knew about this scam yet allowed our account to be bled, without contacting us. Even worse, they led us to believe they would act on our behalf, and had us contact the scam operator over and over to get them information. Finally, they told us they would not act. They could have told us this initially, instead of wasting our time. This company does not care about you or your business.

I have been a AAA Bank of America Card holder for several years (at least 10). I had a balance of around $12.00 that I did not know about and they did not inform me of this balance until after 60 days. Upon inquiring about the balance and why they waited 60 days to say anything about it, I agreed to pay the $17.00 that was the total after interest. I found out today that they closed the account on the 18th of July, and my credit monitoring company told me about this. I called and inquired, and the customer service was deplorable. It seems that Bank of America closed the account and did not have the ethics to inform me. I will never do business with them again and will close any other accounts that I may have with them. I will be writing to them a formal complaint, but I suspect it will do me no justice. If you use Bank of America credit cards, I advise you to fire them immediately.

We paid our bills through Bank of America's bill pay. When checks were "lost" with first bankcard they did little to locate the items but were quick to give us three late notices on our credit report. When it was discovered we were not at fault at all, they still don't seem to want to remove the three notifications!

My wife and I have been BOA credit card holders through the NEA since 1986. Always paid our bill. In May I received a bunch of financial information forms that they wanted completed. I ignored them figuring I am always up to date with our payments and since I was always up to date my finances was none of their business. Fast forward one month. I had just received my bill for $400 and some odd dollars. I sent my check to them like usual. Three days later I tried to use my card at Tractor Supply and it was denied.

I have accounts with them for almost 10 years, I hated it their customer service! Worst one ever. I don’t know what’s their problems, I’m not recommending their services and banking to anybody, I stopped using their credit cards already! The only reason I can’t close my accounts with them, it could drop my credit score, so I will not close my credit cards, but I’m not definitely using them so they can’t make money from on us! I will keep my 2 credit cards with just ZERO balances, without using them.

I have had an account with Bank of America since 2005, recently we made an error and forgot to send the payment. After 13 yrs of perfect payment history without notice this bank closed the account. I understand that we missed a payment. However as soon as we found our error the account was brought current. One would think that if a business had a customer with an exultant payment track record they would contact that customer via telephone o and or email to inquire as to the reason for the 1 missed payment.

My account was closed after a representative call me on my bill due date at work and I told her I would pay it when I got home; which I did. Two days later I received a letter stating my account was closed for the following reasons: My credit score was too low (It was 733 at the time); Current trends in the market dictated my closure; and a few other trivial reasons. So I paid my balance. My next statement showed another interest charge on a balance of $0.90. How is that possible? The customer service agent started the conversation by saying she was going to go back a year worth of my statements. This company is devious. Counts on people not having the time or money to fight them.

I have had a Bank of America credit card for 18 years, have never missed a payment, and have a credit limit of $31,200. On May 11th my wife went to Ottawa, Canada. I filled in all details of her trip (dates and times, airlines flown, layovers on flight, hotel name - everything). When she tried to pay for a service fee with Air Canada, the transaction was declined. For $129 dollars. I intervened and used another Bank of America card (my corporate travel card) and it went through. When I contacted BofA, they could provide no reason why the transaction was declined, why the details in the Travel Advice made no difference, or why another BofA card worked and our didn't. The 2nd phrase out of the Customer Service rep's mouth was "I'm sorry for the declined transaction, fraud is a really big problem but I can't tell you why the transaction was declined".

Had a fraud case, has extra fees on credit card, had a broken card... And I waited on hold more than 45 minutes for each of these issues. I sat down at a gas station waiting for the fraud department to pick up for over an hour so that I could get gas for my car and get home. Cause guess what, they had canceled my card early that morning. Zero anticipation of how financial services might be urgent necessities for customers. They didn't even respond to my complaint email that I sent 3 business days ago.

Bank of America left me homeless!!! Then the Bank of America manager told me she would keep an eye on my account and when I emailing her for help she did nothing!!! Sorry she did something...LIED TO MY FACE WHEN SHE SAW ME COMING TO THE BANK SAYING OF, “I WAS GOING TO CALL YOU.” But this was after waiting 72 hrs. We closed out my credit card 6/12 and then it magically appear again today on my online. I was told it was an error as the account has a credit on it as such it could not be closed out. They just processed by credit and closed out card today. And now I have to wait 7-10 business days for my money. When I opened the account it took less than 1 hour for them to take my money.

I have been a customer of BOA for over 15 yrs. I have a mortgage with BOA as well as a credit card. In all my 15 yrs of being a BOA customer, I've never made a late payment. I missed my 1st payment by 3 days and when I realized it, I paid it immediately. I then phone BOA customer service and requested a 1 time courtesy adjustment of the late payment penalty. According to the supervisor Twana @ BOA because BOA wasn't the one who made the error with the payment, they would NOT waive the penalty. This the most horrible excuse I've ever heard from any banking company.

Three months ago, I signed up for investment service. On the website where I signed up, it had a CLEAR refund policy. It was on their site and I copied it. I tried to cancel and get my money back, pursuant to the refund policy and the company said NO. I went through the credit card fraud services, and called them at least three times and sent them copies of website return policy. Very, very clear that I was due a refund. The Bank of America team, did not read my response, did not ask for clarification and ultimately said they couldn't read my copies and then said it was too late to do anything. I am extremely disappointed. This was simple and I would rate the fraud dept review process as a failure. I hoped they would advocate for me as their client. They actually seemed to work for the fraudulent merchant. Very dissatisfied and would encourage others to go to another card company.

In 1990 I was in college and our national sorority did a fundraiser if we signed up with Bank of America (BoA). I was 17/18 years old and my mother had to co-sign to open. In 2010, I faxed my mother's death certificate to BoA to remove her from my account. 28 years, a customer of BoA. I have always paid the balance IN FULL every time (with a few paid in full late - paid with late fee). This past year, I noticed my father's name starts to appear as a second name on my bill and he, alone, starts to receive mail from BOA. Then he starts getting calls to my cell phone. I would state that they had the wrong number... because they HAD the Wrong Number.

I am writing in reference to a charge off placed on my credit report. I received a 7 year loan from BOA in 2007 (on my credit report this is listed as an overdraft/reserve checking account). I noticed some very large discrepancies. I was charged almost $18k over the loan limit. This is an unfair practice due to the fact the BOA added excessive fees and interest to the loan. I applied for the Servicemembers Civil Relief Act (SCRA) which I was eligible and was turned down by BOA. I went to several branches of BOA in Columbus, GA. I also called and emailed several different people to resolve this issue with no avail. August 2013, this false account information was sent to collections.

Second time opening an account with Bank of America. Complete disappointment in their lack of professionalism and consumerism. Missed 1 payment due to the fact that they failed to let me know it takes 2 billing cycles before automatic payments occurred. Spoke with a credit specialist and customer support to try and fix the issue. I was mislead with incorrect information once again.

We got a credit card with Bank of America and have had nothing but trouble. We got it for 0% on purchases. Our first experience using the card they blocked it. We found out at the register with a cart full of groceries. Yeah it wasn’t fun and embarrassing that a card with a 25k limit is denied for a couple hundred in groceries at a local supermarket. Then when we called to ask what was wrong it only got worse. We talked to 5 representatives who would verify our identity then pass us off to someone else only to have to do it again. They provided misinformation about why the card was locked multiple times.

I have had a $300 secured credit card from this bank of disaster. I always have a problem and it was always a big hassle every time I needed to purchase something for more than 300 dollars. So BofA suggested a credit increase so I apply for a credit increase. And they decline it!!! Tell me to apply but then decline. I just got CAPITAL ONE card for 700 with bad credit, not secured either!!! And... if I make 5 minimum payments they will increase my limit from 700. Not only do I have money and available credit on my card it was declined STILL! I have an available balance of 109.04 and the card was declined. Biggest joke ever.

I paid my credit card balance completely off in April. But paid interest charges in May and now June. When I contacted the bank they stated the balance had to be paid off for 2 additional months after pay off, but could not describe why I was paying the additional interest. Thiefs.

This is the worst credit card I’ve ever had. They canceled one of my cards without notice, then sent me an offer to take the cash rewards card and I like an idiot agreed. What a mistake. They made me pay 99$ deposit with good credit and gave me a 500$ limit which was 2500 less than what I had on the previous card that was initially a secured visa that I had made consistent payments with a positive payment history. Seems like predatory lending to me. This bank is just as shameless as Wells Fargo. Thanks for closing my account and good riddance.

I had a BOA card through Interval International. I cancelled the card over 3 years ago and paid off the balance in December 2017. When I paid the final balance I called the company by phone, spoke with a live person and paid what I owed. Since then every month they send me a bill for Fees and then more fees and interest on the fee charged. I called last month. Spoke with a live person and she stated I owed because I didn't pay the correct pay off amount. After arguing I paid the 21.21 and she assured me no more bills. This month I received a bill for 1.50. A fee charge!!! I called, stayed on hold for 30 minutes without being able to speak with anyone. What kind of crooks are these! Something has to be done!

Over a year ago, we were on a company paid vacation. The resort asked to put a card on file, we gave them our Bank of America card. Two days after we left the resort two charges were made to the card. One was an accidental charge that the resort has corrected. However, the largest of the charges, the resort has no record of charging. As soon as we got notice of the charges we started a dispute with Bank of America. We were bounced around between billing disputes and the fraud department opening claims in both. For the past year we have been on the phone with Bank of America weekly. They continue to deny the claim and are holding us to these bogus charges. They kept “working with us” but then we would get a denial letter the following week. Now they are saying we didn’t start a dispute in time so it’s our responsibility to pay it. They have been awful to work with.

Bank of America processed a credit for the disputed amount.

In over 10 years of having 2 credit cards with Bank of America I have never once disputed a transaction. I charge significant amounts between my business and personal cards each month. I recently disputed a mere $64 transaction where the company used bait and switch, (They advertised a expensive product but then shipped a different quantity of a cheap inferior product.). After multiple attempts to contact the company, I naturally disputed the charge and provided Bank of America all the order confirmations and invoices showing what I ordered was clearly not what I received. Bank of America's claim department was the worst I have ever seen in all my years. They "lost" my documentation and then recovered it but not without denying my claim first.

My son is an authorized user on my account. He wanted to use the card for a trip he's going on, so I went online and did a travel notification. The card was declined on the first day of the trip. I called and, after the frustration of finally being able to talk to a person, found out that when they ask for the destination, they really want ALL the states he'd be traveling through. So, I edited the notification, including all the states he'd be traveling through. Later that day, he texted me that it had been declined again, in one of these states. I braced myself and called again, only to be told they had no idea why it was declined - was the merchant's call. But they did accept his debit card, so go figure. I got no help, just "I understand your frustration."

I was sent a proposal to apply for a new card with 0% interest. During the application process I submitted 3 balance transfers, these were accepted by BofA. It appears now that only one has been accepted and I assume the other 2 were rejected. They do not show up on the balance transfer status page. I did not receive any notice of the rejection. BofA reduced my other credit card limits significantly without my approval or prior notice. The new 0% interest card has such a low credit limit it is totally useless.

I have been a self-employed contractor for 15 years. BOA was one of the first credit cards I opened for my business purchases. Over the many years I have, for the most part, carried a balance and have always made regular payments to the account (unless I forgot, and paid their late fees). My account was recently paid down to a $0 balance (yeah me!).

We have been with BofA since 1990, never late. Perfect credit. We took our Visa with us to outside the country for all expenses. While on day 3 of 8 day vacation we learned that they closed our card. The reasons make zero common sense. They said they sent us a request for information two months in a row. Before October, which apparently is when they closed it unknowingly to us. (We hadn’t used it for anything.) We seriously never got it and yet our bill comes monthly showing correct information and available credit amount available. Nowhere does it show “closed”. Then there are the two times since October that we called and spoke to a live person. They never mentioned it. Then there is the fact; I walk in each month to pay my bill at the counter. They never informed me either. I show my driver's license each time through the drop window.

If I could give them 0 stars I would. We send them a payment every two weeks to keep our card paid off. We sent them a payment from our bank, the money withdrew from our checking account BUT Bank of America put a HOLD on the payment. I did a 3 way call with them and the bank assured them the funds were in the account and were actually already withdrawn from our account (it was an electronic payment. No check). YET BOA still has a hold on the payment and will not credit the money into our account and cannot explain the hold.

I have an BOA visa card. I have it on an auto-pay. It worked fine, then suddenly stopped working. I was traveling in Asia: the online banking access also stopped working. When I got back home, I had 2 letters from BOA implying that payment was overdue. As I couldn't check online, I called. After a little over 20 minutes wait time, I got an agent who checked and said, no, I didn't owe them anything; in fact they owed me $500 for overpayment. She couldn't do anything about the online banking access issue and transferred my call, which put me back in the waiting queue. After a wait of 30 minute, I gave up.

Bank of America is a terrible company. They will not protect you from fraudulent charges. I was ripped off by a company for close to 600 dollars and when I tried to get Bank of America to go to bat for me they said because my credit card was used that was me giving authorization for the charge therefore it was not me being ripped off! What? Isn't all credit card fraud done by using the card? How can you fraudulently charge someones card without using the card? I cancelled the credit card after going round and round with them trying to get my money back for this set of concert tickets I never purchased. I closed out the account.

I believe that I am a victim of a new way for Bank of America to generate extra money. I write 2 checks every month to B of A, one for the credit card and one for the mortgage, that are mailed at the same time to different PO Boxes. Somehow B of A receives the mortgage payment but not the credit card payment. Surprise, that means late fees and interest the following month. While it is possible that the Post Office lost the check, that would be only the second time in my life that has happened. I believe that the "lost" check is a way to generate extra income on an account that never carries a balance or pays late. Considering the mortgage side tried for several years to get me to make a 13th monthly payment in December that I understand wasn't refundable I believe B of A deserves its top 3 worst bank rating.

January 29, both accounts paid: $35 on the account ending in **. $25 on the account ending in **. December 28, both accounts paid: $35 on the account ending in **. $25 on the account ending in **

Terrible online "assistant" wastes time. Spent 40 minutes yelling at their idiotic online system. After I finally reached a representative, she was no more helpful and after an hour, the call was disconnected midstream and of course, they have no automated call back system.

I thought it was a joke when I called the 800# to try and get a fee resolved. It's just like those commercials where the automated attendant can't understand you nor do you have the options to just speak with someone...How is this possible, in this day and age, given all the technology options available and for someone who I thought was so reputable, as Bank of America. The fact that there's no email option either in the "contact us" option and the chat is not working. WOW! I have to actually now wait for a call back since the wait time to speak with someone was over 30 min, on a Saturday...WOW! I don't normally need to use customer service with my credit cards, I guess I've been pretty lucky but it sure would be nice to know it's there when I need it. That was a horrible experience and a worse impression of the Bank of America "brand".

I deposited $800 into my checking account by using the ATM (hate going inside because it always means standing in line for an hour to two hours). However the receipt told me I had only deposited $300. $500 missing. It took them almost a month to acknowledge that I did indeed put in $800. Then I receive transfer from a friend for $7000. And they locked the account for "suspicious activity" according to the information online. In person and in well over 100 phone calls it's now two months of refusals to tell why it's locked or when it will be unlocked. One woman online said "we are under no obligation to tell you why it's locked. And I certainly wouldn't tell someone like you". They also say they are under no obligation to ever let me have penny of my money. So no explanation and no return of the money anytime soon or ever.

Lowered my credit by 60% because they said I had too much credit. Few months ago when I got my Bank of America card my credit card was almost 800. They extended me a $6500 credit limit on my Bank of America card. 0% interest until September 2019. So I’ve been using the card with no problems. Tonight when I try to charge my dinner I found out they lowered my limit by $4000 thus taking a card that was about 30% utilized to now almost 100% utilized. So now I basically have to pay off a large amount to bring it under 40 percent utilized or it will dramatically affect my credit score. Contacted them. They said that I had too much credit and they reduced it for me. Offered no recourse. I had not done business with Bank of America since 2000 due to crappy company policies.

Before I start, I need to say that I have NEVER been late for a payment. A few months ago I enrolled into paperless banking, I had my account in recurrent payments for more than double the minimum amount for payment, but "The promotion ended" and without notice my minimum payment became a COUPLE of dollars more than what I have schedule, I received the monthly "thank you for your payment" but never received a notice saying that I had to pay a few extra bucks or the payment was insufficient.

I paid my card off and had a $0 balance and was charged $22.58. When I called and spoke to customer service they didn't resolve the problem. No one at the company will do anything. I've spoke to several people. On Feb 26th I had a $0 balance, and made a purchase that evening, and paid it off on Feb 27th in the morning, it then showed I had a 5 cents credit. The following day on Feb 28th they charged me $22.58 even though I had a credit on my card. No one will do anything. They are full of lies and do not care.

I was super angry about their attitude towards my issue, which has been coped with over 3 months. I decided to give up my $190, and I want to find a place I can write comments. Also I will give up credit card of BOA soon. Thing is I purchased a pair of shoes online, and soon I found there are some comments said they sell fake products. I called the BOA to cancel my payment the day after, and they said they would. Unfortunately, I got the shoes and I tried to contact the merchandiser, they didn't reply me with the return address and no one picked the call as well. I tried all the way to reach the merchandiser, but failed.

I went to their website to cash in some points. Cashed in enough points for a 100.00 gift card for Amazon. Did this on 1/12/2018. Have yet to see the gift card. Called on 2/05/2018. They had no points transaction of mine on record. So I lost 10,000 points that they cannot find.

I have a BOA credit card with a high credit line. Needed to use this card to help my daughter pay 3 months of car payments or her car would be repossessed. The next month was notified my credit line would not only be lowered significantly, but, also jacked up my monthly payments. I feel like being punished for using my card, when needed most. As a note, have 2 other cards from Capital One and Discover, and have had no retaliation from them for large charges.

For over 20 years BOA has taken my money and abused me every chance they could from wrongful charges to inadequate employees. I have taken it all with a grain of salt because I believed they would protect me against fraudulent charges as they have profess. They have a Bahamas Cruise/Vacation Ponzi Scheme that they push on customers while they are trying to activate new cards over the telephone. I have proof and it is shocking. They have not stood beside me during a huge fraudulent scheme that is taking place right now. I was TRIPLE BOOKED and CHARGED by an online travel agency and BOA threw me under the bus regarding this claim. They will not contact me and have completely dropped the ball by siding with a well known nefarious company out of India.

I owned BOA Cash Rewards Card for a few years. Overall, their customer service is not as professional as the other credit card companies such as Discover and Citibank etc., especially when I tried to stop a false charge to my account. They didn't try to protect my right as a customer, instead, they push their responsibilities to the merchant. My worst experiences with BOA Visa Card were the long endless waiting when I tried to talk to the Merchant Response Team of BOA Credit card, and their unprofessional treatments.

What a miserable excuse of a bank. I had my account with them since 1994. In 2010 they cancelled my VISA, MC and AmExpress cards for "lack of use". I had them reissued, made sure I used each of them at least twice a year, then in 2017 these ** did it to me again! After being with these idiots for 24 YEARS, they totally destroyed my 814 FICO score. It's now 652. Congrats, you idiots. You just lost a customer and I'm making sure to POST WHAT YOU DID ON EVERY SINGLE REVIEW WEBSITE I CAN FIND.

Have had this credit card with BOA for 30 years, always pay the full balance on the invoice. Recently had 3 fake charges on this card, they agreed to credit me on 2, stuck me with the 3rd (and largest). Didn't want to hear anything, just pay up. I think the terms "Customer Service" are a foreign language for them.

I have been a customer of Merrill Lynch for 30+ years, but since they were bought by Bank of America I have had to deal with repeated incompetence and worse from BofA. Most recently, I requested a final, complete, absolutely total amount on my credit card to pay off the FULL balance. I was assured that x was the number. Three weeks later I received a statement that the next payment would be $652.32. Yes, I understand the residual cycle terms, but I had asked the question and got the answer that my payment will put the balance to zero, with no further charges at all. The call was, I presume, recorded. For all my loyalty, for the fat fees they made off me, they cannot admit an error. Appalling customer treatment. BofA deserves the paltry rating they have on your site or, in my view, worse.

I tried calling Bank of America six times in order to get a refund of just $20 (from a credit on a canceled credit card). Each time I had to wait 5 or more minutes. Then I spoke with a rep for about 5 minutes. Then the rep finally told me that he or she could not help: another department needed to help me instead. I was transferred and had to start the process all over again. After one hour I gave up. Whatever happened to email assistance at Bank of America? (not that it was ever very good either) -- Every time you speak with a different rep you have to give account number, ID number, and answer about half a dozen other questions before they will even let you talk. Bank of America really needs to get their customer service trained properly and make the process easy on the customer. I should only have to call once and be helped. Calling six times and not receiving any help! Come on! Ah, I guess I'll just let them keep the twenty bucks.