Bank of America Credit Cards Reviews

I set my account up on auto pay to never be late. Ok. That worked great till I paid it off and now they just keep taking the money out every month when I don't have a balance. I have to call to get my money back and it takes 6 to 10 days. The last time it was over 1000 Dollars then they said that I paid it twice in the same day. I'm going to cancel the card once I get my money back and NEVER do business with them again.

The customer service rep refused to waive my late fees saying that they only allow one waivement in one year. My payment is not even due for this year so I've not had any late fees. I called again to talk to another rep who told me that no limit exists so each waiving is up to the rep. So the cs supervisor lied to me.

I filed a claim against Target with my Bank of America MasterCard in November 2017. They issued a credit to my account and a letter to confirm that they were investigating. Then in early January 2018, I noticed a deduction (the former Target charge) back on my account but no letter in my BofA message center to explain about the results of their investigation. I had to call them to find out what they found out. They provided me with a tracking number. I knew I could not check this until my conversation with the claims person was over and I said I might have to call back if I was not satisfied. He replied that the window of contesting their decision was over. My reply was "how can you expect me to contest within this window when you never even provided a letter to tell me of the results of your investigation"? He hung up on me.

My wife signed up a credit card through Bass Pro Shop. It was a BOA credit card. We recieved the Bass Pro membership card but never got the credit card or anything from BOA. We contacted BOA customer service to get the account information. After several minutes of trying to explain that we never received anything from BOA we were told that unless we had the account number they could not talk to us. We told them that we had a balance and wanted to pay in full and close this account. Again unless we had the account number they were unable to help us. I have never had any dealings with BOA in the past and once we ever get this handled we never will again. I only charged $11.00 on this account which by the way was done without an account number. I expect this to cost a lot more to ever get cleared so they don’t ruin our credit. CROOKS and CON ARTIST! Are running this business.

Wanted to transfer a balance from a credit card that I charged expensive car repairs on to a lower interest credit card and thought I would go with the BOA Americard due to the lower interest and 15 mo 0% interest on balance transfers that they advertise. Well, what a joke! I have a pretty good FICO score of 750, solid income, only 1 credit card with a balance and 4 others that I pay off every month, 2 homes and 2 cars that I own outright, so what does BOA want??? They denied my app and offered me a secured CC at 26% interest. What a ** joke!!! I will never deal with this bank!!

Found a nice offer to transfer a balance and save on interest. They only accepted part of the transfer total and now I am not consolidated to one card which was the point. I have a small amount of debt and strong credit so. The options were not great and at best they said they would have to do another hard inquiry to apply for a higher limit. First and last time I will bother with BofA. USAA is far better!

I have been disputing an unauthorized charge by Nationwide INS, since July of 2017. I put a block on my account which was to avoid Nationwide from ever being able to take one more unauthorized penny. Well, the first guy did his job, but the second guy that had to finalize the block did NOT. Which led to Nationwide taking out MORE unauthorized money. I gave BOA all of the proof they needed to show that I canceled and that there is a HUGE LAWSUIT between Nationwide and I, and they STILL say because the time ran out for THEM to get their money back from Nationwide, I AM LEFT HOLDING THE BAG OF POOP THEY MADE!

Honestly if I could give it 0 stars I would but I had to give one. Originally if I knew how pathetic BOA was I would have never applied for it. Now I'm telling all my family and friends who is considering to AVOID! I just opened my acct and w/in 3 months they closed my acct w/out contacting me firsthand to discuss it. NEVER am I ever late on any of my cc payments nor with any of my other cc companies. Called them and they had the nerve to say because I had balances on my other acct and it was a risk to their company. Really? If I have accounts with Amex, Disc, Citi, Chase and Cap One and none of them have ever closed my account or threatened to instead increasing my CL why would a company that filed for bankruptcy do it? If I was a risk I wouldn't be approved for a mortgage loan either.

I filed a claim on my Bank of America credit card in November 2017. My card was stolen and I report my card in right away. There was 5 charges on my account that was not made by me. They never put on my fraud claim on the charges that my card was stolen. My claim was not approve because they said my card was present when the charge took place but the card was reported stolen. The rep that did my claim filed it wrong. I have complain to Bank of America. They claim the reason opened my claim on Dec 7th and correct the problem but meanwhile they're expecting me to pay for charges I didn't make and take no responsibility for my claim be filed wrong.

Have had a high credit limit and the payments were on auto pay. Received a letter stating that they have lowered my credit limit due to the fact that I have late payments with either them or other related credit cards. Since all my monthly payments are set up on auto pay I knew this was wrong. I was told to view my credit report which I did and there are no late payments anywhere. My last payment to them was taken out in November and the next isn't due until December but they have that marked as being late. Challenged it thru the credit agency and will be paying off this card and dropping them at once.

If you are considering a Bank of America credit card STOP right now. You may have a disaster waiting to happen. My name is Carmen **. On September 19, 2017 my beautiful island of Puerto Rico was hit by the catastrophic Hurricane Maria. Our whole island was torn to pieces, houses destroyed, all electrical poles on the ground, no water sources, no jobs, food at a minimum, etc. During this devastating time all banks gave Hurricane Maria victims payment relief for the first 3 months after our hardship, but that was not the choice of BOA instead, they added late fees, made daily collection calls, harassed me and had no compassion for those who had lost everything in Puerto Rico. The name America is too big for them. They ruined my credit score from 8+ to 711. Hurricane Maria put a knife in my heart but Bank of America put the knife in my back. You can't even begin to imagine the suffering they put me thru.

I was in Europe for my brother Funeral, made the reservation and when I got there they were closed so I had to take a taxi to a different city at 2:30 am. When I come back the next time to pick up the car, they run my credit card without going over any term and conditions then try to sell me a optional car Insurance which was about 11-14$ a day. I declined then they ask me for 5.000.00$. When I heard about the number I figured it was a scam immediately, no one ask or give to a stranger that kind of money.

I was scammed by Songbird and immediately canceled my order notifying B of A Mastercard immediately with my cancellation number. I was billed $55. Mastercard honored the scammer and billed me three days later, refused to give me my credit. I refuse to pay and cannot cancel my card because no email is available. My balance is now up to $85. I will die before I pay this charge. B of A ENABLES scammers and does not serve its customers. Shame on B of A.

Very Dissatisfied because BOA did not give me the benefit of cleaning up fraudulently charges on my credit card. I only received 2 trial size products and paid. However they kept billing me for nothing. It is hundreds of dollars now and I was told it will keep increasing. I DON'T want BOA credit card and closed. BOA HAS used my funds without helping me. I have spoken to BOA on the phone and even asked them to stop billing me. What is the best solution? The fake company laughs at me.

I tried to dispute a transaction for $592 from a restaurant that I dined at in Italy. Twice Bank of America sided with the restaurant because they provided a signed receipt. I had told the bank that I had never seen that receipt before much less signed it so it must be a forgery and thus a fraudulent charge. I even said that the restaurant has been accused before of this same thing according to their Facebook reviews. I also asked the bank to compare the signatures and to compare it to my purchase history.

Do not spend your time here. I have numerous cards and never late on payments. All my other cards are increasing my limit from 2k to 6, 9k to 15k etc. But my BoA Visa Sig was 6k from the gate and I never missed a payment and they just canceled it, I had a 3k balance. I called right away to give updated income and to explain and for an explanation from them but was denied the option of keeping the card open. The main reason they cited was having multiple other cards with balances. I have balances at 40% mostly on cards with zero interest but normally pay cards down within the monthly period.

I have had repeated security breaches on my credit card. Each time I get a new card, it causes considerable time to change my information. Including an automatic payment. Customer service does not offer help to the customer to do this. Bank of America has no desire to working with Visa to stop the constant breaches. I have had to change multiple cards.

I called to get the balance on my credit card and was provided an amount. I PAID the exact amount that was provided. The following month I received a new bill in the mail with INTEREST to be paid. It is unclear to me why and where this interest came from. If the system tells you WHAT is due and you pay it there should be no additional charges. I called to dispute this. As the statement CLEARLY indicates that the bill was paid in full. I was given the runaround and no one was willing to work with me on waiving this amount. I have paid my bill on time every month, all they would do was talk to me like I was an idiot.

Why is there a no stars option? I've been an account holder for 12 years with this company. First let me ask if my credit card account has been closed why have I accumulated months of interest? So I had the misfortune of losing my wallet. I know a replacement debit card is $5. My DL, BC, SS everything was in it. I went to the branch that I've been going to for years explained my situation and nothing. I had my old DL. All the info should be the same except the dates right? Guess not because if they enter the information the system will not accept it. I know for a fact the dates on the DL I just lost, starts on my birthday this year and expires 7 years later. So I could not do anything for 4 days. All I had was $2.50 in my cup holder. They told me to call for an express card that will be next day delivery. $15 charge that put my account in negative. Next day turned into 3.

My father, who is 79, has a credit card that was opened and charged without his knowledge. Together we spoke with BofA on 10/17/2017 (800-732-9194) and Alex informed us that I was added to his account to assist, as his daughter and POA. Thereafter, I tried to request copies of the bank statements and was told I must go into a branch with POA. I traveled from Alabama to Pensacola and met with a BofA representative after 30 minutes to no avail. He said the POA has to be "certified". The POA was created by an attorney and executed before witnesses with notary and he said it would have to be mailed to Texas and it would not be accepted as it was not "certified."

I have been a cardholder and customer for over 15 years. I recently was traveling extensively in South America and found that BOA had a bizarre charge on my account. I did not see my email account or statements for a few months. I was contacted by phone from one of my other credit cards to say that BOA had sent a very negative report and affected my credit rating. I never received a call from BOA. In checking this out, I found that an inappropriate charge of $38 was charged to my account.

BOA canceled an online approved transaction 8 hours after it had been approved. I lost the purchase and had to reorder using different CC. Lost place in line and now will receive the product with 4 week delay. I cut up the card and immediately cancelled. Will never do business with them again.

One after many calls and spending at least 8 hours on the phone with them, I was defrauded by a company. The bank did nothing to take into account my side of this situation. The owner of the company that defrauded me has been in jail. I have since closed my account with them. I would not recommend any interaction with this bank.

I've been a Bank of America customer for 9 years. My mother was a customer for 30 years. I recently been trying to update my iTunes billing info because it ask me every month. This week it didn’t go as accordingly and keeps saying card is declined. I have finally got in touch with an associate and was told it could be the provider. I called Apple after hanging up with Bank of America to see what could be done. 4 hours pass and I call today October 26 2017 and I was waiting for another associate to tell me what was going on with my card. 20 minutes later he tells me I’ve been on a 24-hour lockout that started today. I am a working citizen and it takes me 1 whole hour to drive to work. I asked him if there was a resolution to this issue and I was denied any help. God forbid my car runs out of gas and I can’t get home. They would be held responsible.

Had an unrecognized charge of $500 in my credit card account in April 22, 2017. I called the bank, dispute the fraud, charge goes back to my favor, got a new card. However a month later, I received a letter stating I’m the benefit of this transaction so the money bounced back to my account and I’m responsible to pay it. I dispute the 2nd time with proof (I have another credit card by BOA, and I use that more often), with certify mail. Got a letter from bank, saying I will hear them back in 30 days. The transaction is made in Florida Universal Studio, and I live in LA, never been to or plan to go to Florida. I have not received any email confirmation regarding this transaction either.

I had BOA checkings account since 2 and half years and also BOA cash rewards credit card since 2015. I was maintaining good balance (asset) on my checkings account (more than $10k since some time) and also using my CC very responsibly (limiting balance below 10%). They never increased my credit limit in the past 2 years even though my credit score is more than 760 (Transunion, Equifax), 780 (FICO). I was keeping my credit usage below 10% and making timely payments (in full) still they didn't offer me good credit Apr and never increased my limit on the CC. When I asked for the limit increase they want to run a hard inquiry on the credit report which I didn't like. My other CC limits are way above it and I never missed a payment and my overall credit usage across all CC is below 10% still they don't do any good for BOA.

BOA closed my 3 long-term 1 personal 2 business credit cards with balances... Never late. Even paid more than min. due. Been on phone 2.5 hours last 48 hours being transferred around. BOA first said it was security reasons due to possible info breach from "undisclosed creditor" then said it was info from TransUnion... I have Lifelock & watch my accts. closely. No fraud activity... My head is reeling over this because I'm in escrow now on invest property & I was planning on refi my house after close... I'm at a loss over this & what it will do to my FICO...

I have a very bad experience with Bank of America, because my work reason, I travel oversea a lot, so I can't check on my credit card often, and I don't use it that often. Once I check it, I found out, I've been charge $9.99 every month from company named SCRIBD, I don't know this company, and I never take any of their service. I called BOA, they say they don't know either, and ask me to contact SCRIBD, then I searched this company, they don't have a call number to call, only an email, and I sent email to them, they don't reply.

Paid in full. 2 month later got a bad credit report. They charged a interest rate on amount that was paid in full. Bad for me is on credit report as late never got a bill. I found out when another bank ran my report that I knew about this.

I've been paying my BOA Credit Card cash rewards on time. I also keep extra available credit over $100 because we used it all the time. Today I was told my credit card account was closed. Why? I've been a great customer.

BOA has let me down. I have been a BOA customer for 20 years. About 3 years ago I got a secured credit card through them to rebuild my credit. Paid on time and after 10 months was credited my money back and given a unsecured card. After about another 10 months my limit was tripled. I felt my responsibility with this card was paying off. I never missed a payment and always used my card. Well I was injured in an accident and put on disability for 4 months. I have never not worked. Well what a time to need your credit card right? I go to the dentist to receive some emergency services and my card was declined?? I was shocked because I had plenty available credit. Well I called BOA and was told they closed my account due to high balances I had on other cards. That it had nothing to do with my relationship with them! I was in disbelief! Way to kick someone when their down BOA. My advice to anyone - stay away from BOA credit cards.

Bank of America allowed a dishonest public relations company to bill me for almost $30,000 dollars without delivering what was contractually promised and then stood behind the company claiming "credit policies". This despite proof the merchant failed to deliver what was in the contract, and also after BOA told me "The case is closed", in those exact words. They then proceeded to refund the money. Almost 2 months later, BOA reversed, placing all that money back on my credit card claiming the merchant had answered, despite the fact it was one day later than allowed by their own policies.

I was short on my payoff and the next month I owed $20 and some change. I paid that and a few weeks later I get a bill for $1.50. I guess for interest on the $20 and change. I called customer service to see if they can just waive the fee and end this already. The CSR said, “Let me see about taking care of that.” Silence... then she comes back, “I am unable to take care of that but you can just pay the $1.50.” I asked if I could speak to her supervisor and she put me on hold for just a couple seconds and then said he said no and was too busy to speak to me. I have been with them for over 10 years I would think they could help me out with $1.50 but I guess they really need it more than me. This company really does not care about people. I have had the card for a long time and they have already made thousands in interest on me. Stupid on my end but you live and learn but they really needed $1.50 more. I better not get a bill for interest on that next month!

Why is it that with almost every other credit card setting up automatic payments is painless through their websites? With BofA you have to FAX or snail mail forms to authorize money to be paid from your checking account. Frustrating!

I called to find out why my card was not working; I was informed that my card was "deactivated" because I did not answer a security question correctly (they had the wrong information). The gentleman verified my info and said he reactivated my card. I tried to use the card and when it was declined ($1400 was available). I called the 800 number to find out that he "accidentally" canceled my card. I am out of state, with three kids and no access to my funds. Needless to say, they could not reactivate the card. They could only mail me a card and I wont receive it for 48hours. Stranded, no food, no money, little gas, three kids... thanks a lot Bank of Poop!

I just started using my new Bank Of America Card at in September. My first payment isn't due till next Month in November. I have 18 Months with no APR. Good Deal right? Yesterday I saw my bill for next Month it was under $40.00. I spent little over $400.00 in 3 to 5 days. Yesterday was the first time I saw what my first payment would be in November the amount was under $40.00 for the first payment. This morning I went into my account online and now the first payment is up to $270.00! What? I have a "Discover It" Card and I've gone over $1,000.00 in spending and not once a payment was over $35.00 with no APR also with Discover It for the first 12 Months. How can B.O.A. jump from a $35.00 bill for next Month November first payment to up to over $250.00 first payment in one day? This will be paid off next week in total after I call them today and ask why.

I live overseas! This year I came to San Francisco for 4 days only to attend the graduation of my daughter. I used the credit card twice, after I left some ** from one of those two places copied my card and used it about 20 times, total $200. I called the fraud department and I told them the card was with me all the time, I have the airlines tickets shows when I came and when I left the US, plus Joel reservation plus passport control. They did not believe me, I am an airline pilot 62 years of age, very good credit. I closed the account with them and was very disappointed. I told them $200 is nothing to me, but it is a matter of principle and moral. I never had this problem before and was really very disappointed

In early September of 2017 while I was browsing on internet, I saw that Bank of America was offering balance transfer with no fees if you do balance transfer in the first 60 days. I decided to apply for this card and enter the credit card that I wanted Bank of America to transfer the money to. Guess what this bank did? They decided to transfer the money to completely different account and completely different institution. Now as of today 09/19/2017, I owe Bank of America $8000 which I do not know who they sent it to at all. I will file a complaint with Attorney General Office and also will contact my attorney in this matter. Please stay as far as you could from this institution if you do not want to run into such issues.

EDD uses Bank of America to distribute funds. When EDD notified them that funds were issued to me. B of A failed to send me a new card and told me that they wait for the cardholder to contact them. Then they gave me 2 options... wait 2 MORE weeks to pay my bills or pay $10 to have it shipped to me via UPS. Not really a choice is it? We all know they pay a flat rate for UPS. Why am I having to pay for their mistake in the first place?

I officially hate Bank of America. After locking my card due to 'suspicious transactions' I called to confirm I had made all of the purchases. The problem should have cleared then and there -- but alas! Did they have a wild goose chase in store for me. I received a call about 10 minutes later informing that they were absolutely unable to verify my identity over the phone. In which case, my two options were: visit a branch or send through my passport, driver’s license, debit card and 3 signatures through a humble fax machine. With the nearest branch a four-hour drive, it was a tough decision -- but I chose the latter.

TERRIBLE CUSTOMER 'SERVE US'. I submitted online 2 weeks ago for travel notice to be able to use my card out of my normal geographic area. I tried to use it (from home) last night to book a hotel room. I was declined due to a question of fraudulent use! When I called customer service, I had to wait 15 minutes to get someone and then was told that there was no travel alert on my account. I was transferred to an automatic phone service to set up my travel notice and although I speak clearly without a regional accent and have a good landline phone, the damn BofA phone system had trouble recognizing what I said. If I have any more trouble with this card, it gets cut up and goes in the trash and BofA will never get me as a customer again.

I called to report my Credit as missing tonight. It was about 930 pm on east coast. I was on hold for over an hour for a call that took about 3 minutes. I am furious and will cancel the remainder of my BOA cards. This is the worst service I have experienced with a bank or credit card company. I once had their stock but if I were still owning their stock I would pull out immediately as this company will not survive.

I have applied a credit card of BOA in Nov 2016. But I have never received it. It was stolen and misused. I reported the incident to bank. They revoked the fraudulent charges but somehow they have levied $58.13 on my account and every month they are charging me $8 and penalty. This charge is closed but Bank of America charges me. I called Bank of America for 3 hours from India on 29th August but still they have not solved my problem and not made nil balance on my account. Bank has promised me it would be zero balance and they would close my account. But they have not done. I am pissed off by calling them and they is waiting of approximate 50 minutes every time I call them.

I have called Bank of America over 200 times! I know most people exaggerate however I am not exaggerating one bit! 200 ** times! And they still decline my card every 3 transactions to the same ** companies for my business!! Not new transactions causing the declines but the same ** one I have been using for over 10 years!! Imagine having to call Bank of America and be on hold every 3 ** transactions??? They are nothing but liars! The worst ** company I have ever encountered!!! Worst than Comcast!!! Do not use this company ever!

Called the number from the credit card statement for the 1st time to dispute a charge. Spoke to someone right away. But, she was the wrong dept. She transferred me. After holding for one hour, the Gentleman from Tennessee cut me off at 11:10 am PST after I stated why I was calling. Apparently, he didn't want to help me. Called back. Now the call is a 2.5-hour wait per the auto teller. This is NOT customer service. If their phone system or employees are so bad and cuts people off, they should take our numbers and call back, should the call be cut off. That's customer service!!

I have some major concerns regarding the review and/or investigation conducted by Bank of America (BOA) because a decision was made to close the complaint filed with BOA based on evidence that you received from Bluebell Relocation Services and not the consumer. The first complaint was filed on April 9, 2017, second complaint was filed on July 5, 2017, and third complaint was filed on August 15, 2017.

BOA has its customer services totally inaccessible behind inapplicable menu choices both online and over the phone. Now they aren't answering the phone at all, but rather pressing customers to let them "call back" at some later time that is convenient to them. If you decline that option, they torture you with more endless promotion as you wait for an undetermined length of time.

Amazing... They issues you 2 credit cards BOA and Allegiant... You use both, pay as requested and some payments more. BUT... because you owe too much for their liking on other credit and no lates, no non pays, no bad marks, but because of that they CLOSE both cards and that is that. That is their policy. I highly suggest you NEVER get a card from them. They are truly not like other companies. I have 20+ credit cards. I pay all of them on time and more than what is owed. We bought a new house that needed renovations. Some things unexpected. Went on credit cards. Now they close. Stay away from them!!

Very disappointed with my experience today. I have had a credit card with BOA for years. I don't use it unless I absolutely have to. Today was one of those days. I go to use my card and it was declined due to an unpaid amount. I have never even used this card since its issue to me. Apparently it was a maintenance charge of 50 some dollars that I had no idea about. In order to use my card and to get it reactivated, I had to pay the fee... Which I did. Even having done that, they still said they could not reinstate my card as I am still at my mechanic's garage trying to pay a 1300 charge in repairs. This company left me high and dry trying to scramble and figure out what to do... I have been a loyal customer for YEARS. They lost me on this one. VERY unprofessional and will never use their credit card service again. Pissed off is an understatement for the way I feel how I was treated.

I accidentally paid a wrong credit card ## $700 instead of to my regular paid balance transfer card number. When I tried to correct the issue with BofA, they would not help me and told me that I had to go into a BofA bank and fix it. I deferred to my Schwab bank to help me and will await BofA's thievery to fix this problem. I am almost finished paying off this balance transfer and will NEVER borrow money from Bank of America AGAIN!!! It's too bad that an Italian trying to help common people let his company/bank turn into a conglomerate money-sucking corporate ** machine rip the American people off!!!

I have an HSA (Health Savings Account) with BoA. Although I am limited in what I can purchase with this account, someone managed to hack the account and drain my card of about $2300 in New York (I live in PA) and purchases for taxi cabs and liquor stores were somehow approved. This happened between June 22-25 2017, but I didn't realize it until my card was declined at a doctor's office for a $25 copay on July 10. I called the next morning to report the fraud and had no problems. Within a week they had sent me a new card (useless anyway, nothing on it), and the Dispute Form including the process explanations. I faxed back the list of disputed transactions on July 21.

I have several accounts with Bank of America and never been late. For some reason they closed all my accounts and wouldn't even let me have online access. So now every month I have to call in my payments. My payment on one account was always due on the 4th. This month out of the blue they changed it to the 2nd. So now I have a 50 dollar late fee. This bank is not for me.

Banks chased us to open up credit cards and take equity line of credits- we used these methods tomoaunfor college and a variety of things - always paid, have a very solid asset portfolio and a very very good income. With retirement around the corner and kids college coming to close we started paying off debt- we paid Band of America off over $28,000.00 as with others. All balances to be paid off by year end or shortly thereafter. Keep in mind - nothing changed in years except this debt reduction with cash (not another loan or credit card). We were told by BOA that that large payment generates a credit inquiry and thus - we have too much revolving debt and closed accounts.

Bank of America N.A., violated my privacy and disclosed my information to a third party without my consent. They also called me numerous times on a delinquent loan even after it was transferred to another institution, same way they did with reporting it to the bureau, after it was long time settled. I was also not informed that it's being transferred to another company, with no chance to work out a plan. They never reported the account as in dispute. This same company who is regulated by the FDIC and the OCC and has on their back thousands of FDCPA claims, they have a problem when an individual who is not regulated by this regulations, nicely calls up their executives who are responsible for the bank, and have an idea to call it harassment, absurd!

Bank of America has given out 2 credit card accounts with our name on them and someone else's name with very large credit lines within less than 2 months of each other that we did NOT AUTHORIZE! Even though a credit alert has been put out with B of A and the credit reporting companies!! B of A still allowed these credit lines to be created. Unbelievable!!! I would and will never do business with B of A just for this simple fact that they don't care who they are giving credit lines to. Fraudulent or not!!

We have enjoyed doing business with your company for the past eight years and hope to continue to do so for much more. However, I have a present issue with my current Visa credit card. I was studying for the Uniform Bar Exam in New York back in February, and I had to reduce my work hours. Due to a reduction of my work hours I was late in paying my credit card debt. I was rather distraught because I understand the importance of good credit and making timely payments to the bank. I called Bank of America and I told them my dilemma. So, because of my untimely payments, I incurred several months of late payments.

I am so done with B of A!!!! I disputed a 195.00 charge on my credit card from a fraudulent company with an F rating from the BBB and an average one star rating on Yelp, with reviews claiming from the others that the company is a fraud. Yet, B of A gave me no consideration for all of the information I submitted to them which cost me over 12.00 in fax fees (they don't accept emails). I have over 65,000 in my savings account, which I am going to close and transfer to another bank, because I am so done with B of A.

Too bad there is no zero star, worst calling center. Try to contact them couple times, please put on the hold for a long time. When I finally get through and two very unprofessional customer service agent gave me a very very bad attitude when I try to bring up this issue. There is no place or link that you can provide any suggestion and input. I won't use their card again for my own business and going to close all of my bank accounts with BoA.

Filed travel notice for a trip from the US to Bangkok, Thailand for a 2-month notice. 3 weeks in they froze my account due to "suspicious activity." I tried to connect to live chat, they now charge $20 for that service. The international phone call has to be only from a landline, not a payphone. I followed their procedure and now they are ruining and screwing up my vacation. THANKS, BANK OF AMERICA, I will be canceling my account upon returning. You can go to... You only get one star because I can't give you 0 stars.

Without notice, BOA did a credit review and closed my card, despite paying above the minimum each month, as they noted I had additional debts accrued... Which is a natural part of opening a business. As a seasonal business we have debts until summer, and then all is paid, but there was no call, no notice, no information gathering to support my individual business. Simply a review, and card closed. Customer service was anything but, and they continue to be as unfriendly, cutthroat, profit mongering and unhelpful as they were when I abandoned use of their services years ago. A big mistake to give them another chance.

Bank of America does not care about customer loyalty and has NO flexibility. I made one purchase & paid the entire balance in full but one day late. I call to see about a one time courtesy waive and was told no. So they would rather lose a customer who pays their balance in full for a $26.88 fee? I will never recommend anyone to BOA due to their extreme lack of customer service & flexibility.

I was offered a 0% interest rate on a credit card. The offer states it can be used for items such as home improvements, unexpected debt, higher interest rates, consolidating debt, etc. I wrote a check to myself to pay off a couple of high interest cards. I received a statement and they were charging me 16.74% interest. I contacted them and was told since I wrote to myself the 0% rate doesn't apply. It does not state any where that you can't write to yourself. They told it doesn't say you can. Scam. I have filed complaints with AG office and consumer affairs. Beware of their deceitful practices. I have cancelled all of my accounts with them.

I opened a checking and savings account a few years ago. BA also gave me a credit card with $5000 limit. After a period of time they initiated an increase to $7500. And then they initiated an increase to $11000. They offered me zero percent interest for a year to transfer balances so I transferred $11000 to my BA credit card. After a few months they cancelled my card. When I called, they claimed my balances are too high for that amount of credit. Are you kidding me? I would not have transferred my balances if I knew you were going to cancel my card. I am still paying zero percent on the balance, but this dropped my credit score about 50 points because the amount of unsecured credit is about 80% of my available. That is because BA $110000 shows up in my total amount owed, but my total amount available is $11000 less than it was.

What a waste of a card. It is declined more than accepted, since Bank of America constantly shuts it down then sends me emails to confirm purchases. But by time I get the emails, it is too late and I must resort to another card. Second, DON'T GET THIS CARD FOR POINTS. Once you book with points, a minor modification of your reservation will cost you a whopping 20% of the points. On a big point purchase [trip] (e.g., a sleeper car) for say 25,000 points, imagine the hit. In my experience, most hospitality providers and airlines do not penalize for modification of point/award usage, but Amtrak does. The Amtrak Card is a ploy to get back many of the points it gave you to sign up for the card.

I had to put a purchase in dispute with BAC, they are useless. After MANY, MANY hours between BAC and the other company (Kaspersky) the anti-virus firm directly deposited the disputed amount into my checking account. So it wasn't Kaspersky that was "blocking the credit" it was BANK OF AMERICA. I finally got so sick of it all that I cancelled the card. Then got talked into "reopening the account" by a rep. in California... They called and got verbal confirmation of what has always been in our records. Now they say "new regulations" state they need evidence of our business corp. status, we've been the same corp. since 2003 and there was never a problem with them sending the statements to our corp... AND, unless you have at least $25 in "rewards" they don't issue a refund. So they won't send us the "rewards" we've earned. I should reopen the account, cash out the "rewards" then just not ever use the card!

I pay most of my bills through online and e-statements. I received a low funds alert yesterday which has never happened before. I immediately logged onto my account only to find that BOA paid my credit cards off twice in the same amount. This created several fees of $35/each and overdrew my account. I called last night and was on hold for 45 minutes, was furious when they finally answered the phone. How can this happen? I no longer have faith in BOA and the online transactions.

So, my wallet was stolen and I lost my debit/credit cards, some cash. I have 3 accounts with Bank of America. One joint account with my spouse, my personal Saving account and my credit card. So when I reported to Bank of America to block my current all accounts and replace my card, they said they are charging $5 for each lost card. Being their customer from a very long time, this didn't make me happy. I am moving to Chase and closing my Bank of America accounts permanently.

I was scammed by an ON AIR TV ad that said Free Vitamin Supplement if you pay only the Shipping and Handling $4.95. When I called the Phone number, the representative asked for my Credit Card to charge the $4.95 and I gave her this. She never once mentioned anything else until I was about to close out the call. At that time she told me I would AUTOMATICALLY be charged $93.61 per MONTH for these vitamins. I immediately told her forget it. I was no longer interested in trying the product, that was advertised as Free. What was Free? My phone call to this company NEWELL?

4 months ago I decided to transfer my credit card balance over to Bank of America (BOA) because they had an 18 month 0% deal. I was approved and instantly went online to transfer everything. When I tried doing this it was rejected from my old credit card company due to issues with BOA. I called them and they stated they had to send me a check and it'd be here within a week, which they did. I sent that to my old company and thought it was all taken care of. Next month I get something from them stating the check was bounced and that I was being assessed a $25 NSF fee and a $15 late fee.

Bank of America charged me late fee and interest even though I paid my full balance on due date cause I live in west coast and their banks works with east coast time. I called them and asked why I got charged that and their response was that, "You live in west coast and our bank works with east coast timing." It really pissed me off... I have that Visa signature credit card with them since 2005 with high credit limit and have another American Express credit card with them with high credit limit, instead they offered me another credit card saying, "Sorry we can't help you with late fees and interest but we can help you save money with double cash back card on gas and stuff..." And I said, "Sorry guys I don't want any more cards from you guys plus I'm cancelling my other 2 credit cards." It's totally a scammm.

I've had a BoA credit card for about 25 years with no issues. I've been using their online bill pay to make payments for years, again with no issues. Never been late, usually paid more than the minimum. In March, I scheduled a payment as usual. It cleared my checking account. Then a day after the due date, the bill pay app tried to withdraw a second payment from a checking account I closed four years ago. I noticed it, called BoA to find out what happened. The BoA rep insisted that I scheduled the second payment, even though I pointed out (repeatedly) that I had scheduled a payment before the due date from my current account, so why would I schedule a payment for after the due date from a closed account? He said he'd open an investigation, and that I would hear from BoA soon.

I left BoA 6 months ago because they had finally screwed me enough times. I went to another bank but still had a credit card from BoA. For 3 months they took a payment from me on my new bank's debit card online. Then suddenly they wanted me to send the blank check to verify the account that they already accepted. So last month I went to a branch to pay my bill and they accepted my new bank's debit card for payment no problem. So last Saturday I went again to pay on my BoA Credit Cards and this time the same teller told me she couldn't do it if I didn't have a checking account with BoA. My God I just want to pay my bill. Why are they making it impossible. So BoA can rack up more late fees and service charges. The same old game. This time I am filing a complaint with the BBB, the States Attorney Generals Office and looking for a lawyer. Bank Of America is the worst bank ever!

Just off a call with BOA. Did you know that if you (or BOA) changes the card number that BOA will give out your card number to a previous vendor WITHOUT YOUR PERMISSION!!?? No joke. If the card is no longer valid, and an autopay vendor calls in, even if you have cancelled service with the vendor, they will give out the new card number to them! I was stunned when they told me this. This is a corp card with $100K line of credit and they give out the card number, are you freaking kidding me!!??

A few days ago, I was trying to book six airline tickets to Detroit for our son-in-law's ordination. I spent three hours online to work with Allegiant Airlines which seemed to be a great deal at the time. At the last step paying the bill, Allegiant kept declining my cards, from Chase, Regions Bank, and BOA. Allegiant wanted me to apply for its own credit card, so I gave all my credit info again to Allegiant. Somehow, it did not close the deal and give me confirmation on the airline tickets. Immediately, I realized this could be a scam; and closed all transaction right away. The next day, I had to call all three banks to close my old cards with them to avoid leaking of my credit info...

I lost my credit card over two months ago in another city, and someone tried to use it for fraud charges. Although Bank of America was good about dropping the charges that I asked them to, it all went downhill when I attempted to get a replacement card. The bank said that they would automatically send me a replacement, and it should arrive in 7-10 business days... Then over 15 business days passed. I ordered a SECOND replacement card, with the same results. I was forced to order a third replacement, and when I saw that this card didn't appear as well, something was up. I went to my local branch, and they said that my address was apparently undeliverable. It had been over a month and a half, and the bank was receiving these cards back to them that were undeliverable WITHOUT even reaching out to me about it, so I have been at a complete loss.

I had two credit card accounts with Bank of America (Master and Visa cards). When I checked my card status, it's showing closed. My credit score is >750 and 100% payment history so far. I called the customer service and checked. They are not giving me a proper reason for that. They are just asking me to open a new account. Poor service and bad experience with BOA credit cards.

Got a new credit card for travel abroad. Was told I had to open online banking in order to get PIN promptly. Went to bank. They also called in, learned that PIN had to be set up online. Worked with very helpful staff there for 2 hours, without success. Then was told that PIN cannot be set up online! Conclusion: totally incompetent company. Go elsewhere for your banking.

My husband, in error, purchased the wrong concert tickets from Vivid Seats using our Bank of America credit card. He immediately called Vivid Seats explaining the situation. Vivid Seats offered to help us sell the tickets. Getting no results from Vivid Seats, he contacted our Bank of America credit card company regarding the situation and they removed the charge from our account and said they would open a dispute claim. Long story short, we received a letter today from Bank of America saying they would not be able to get involved. They have them put the charge back on our account. Way to support your customer service attempts Bank of America. BANK OF AMERICA SUCKS!!!

My Dad, who is 81 years old, went to use his Bank of America Visa and it was declined. We immediately contacted the company because we knew that he had a credit limit of $17,800.00 and he had only charged $400.00 on his card. The customer service representative indicated that the reason he was declined was because Bank of America had reduced his limit due to non-use. My dad was furious. He was planning on using this card while he went on vacation. He has difficulty walking, so being able to use a credit card at the gas station pump would help him tremendously. We explained to them that we started setting up some of his bills for automatic payments, making it easier for him to manage. As a business owner, he also needs access to this credit card, in large purchase emergencies.

I believe that B of A is violating the "terms and conditions" of the card agreements by selling the consumer on benefits of companion fare ticket vouchers and then fudging the delivery of these vouchers to benefit the company. While they might argue that this is "just a perk", I would argue that at the very least they are guilty of false advertising. I signed up to the Alaska Air Bank of America Visa a year ago on March 15, and after completing the required purchases spend, I was awarded the agreed upon companion voucher that April 15th. I waited nearly an entire year and 2 weeks ago I went into my Alaska account check on the expiration of the voucher and it was set for APRIL 15.

I applied to a few credit cards through Credit Karma recommendations. One of them (American Express) approved me without much trouble. The Bank of America credit card could not automatically approve me so they kept calling me through some automated number. A few days later I answered and I found the woman very unprofessional and rude. She asked me what my income was, and then asked me how much I had in savings and investments. She was angry and confused that they were different numbers. Since "income" and "total savings and investments" are different concepts, I found her questions vague and confusing. She clearly didn't really understand what she was trying to ask me and wasted my time. And then I didn't qualify for the card because my income was too low. As a bank BOA is good. Credit cards, not so much.

Been trying to settle a credit card judgment (lien) for a month now with Bank of America. Over 30 phone calls, 4 faxes and no one still has the courtesy to get back to me. Keep hearing "it's in our notes, wait 24-48 hours." Been 648 hours and nobody has answers.

I was booking a ticket on Alaskan Airlines about 3-4 weeks ago. A pop up ad appeared offering a $100 credit toward the ticket if I applied and was approved for the Alaskan Airlines Bank of America frequent flyer credit card. I decided to apply for the card based on that offer. I was approved and received the card about 10 days later. Once I got the card I went back to the Alaskan Airlines website and booked my ticket. I did not see the $100 credit applied to the ticket purchase, so I called Bank of America to see how to apply the credit.

Choosing to use Bank of America credit card is the biggest wrong decision I have never made. Every time when I went to travel, I report it to Bank of America. Guess what? Every time when I arrive other countries, the card is still locked! So I need to make several international phone call back to solve this problem. OK, if they say that's their way to protect my account, I can understand. BUT, what brings me there is this time, when they unlock my card, they release two other already finished and paid a week ago transactions with the unlock process! And they said, "It's not Bank of America fault," if you want to release your credit, you has to contact the company charges you.

I used my credit card out of state and it gave the card a fraud alert. So far I spent 5 hours on the phone with Bank Of America customer service and every time they say "problem is solved and card is Active", but in reality, card is NOT active. Their customer service is useless.

I got a fraudulent charge from a company placed on my credit card from Bank of America. Made a claim that took 5 phone calls and 4 faxes and many days of waiting. Finally got a response saying that it wasn't resolved. Talked to a customer call agent who interrupted me during the entire call, not knowing anything about the matter but talking loudly and continuously interrupting literally every single time I said something. I asked nicely to talk to a supervisor hoping that at least this call would get "professional", but besides getting hanged up, this supervisor or manager named Chris **, Supervisor from Maryland said that companies can put charges on my credit card without my signature, consent or knowledge, and that actions like this are okay, and there's nothing wrong about it.

I applied a BOA VISA Signature card on 10/7/2016. While I open this card, they promised $100 bonus if I spent $500 within 90 days. The results: I did spent about $1100 in 90 days. They still deny my bonus for $100. More, I should have cash reward for $13.23. They said: "We can not give you $13.23, the minimum is $25." I think they are cheating customers.

I have a BOA corporate credit and signed up (paid $75 per year) for their corporate rewards program. As a frequent traveler I knew this would be beneficial to me. After changing jobs, I decided to discontinue the fee since I wouldn't be traveling as much. 6 months later, when I tried to redeem my rewards, I found out that BOA had taken my (already accumulated) points away from me. Now, I realize this is corporate policy but BOA could have at least taken the 3 seconds it takes to remind me that if I was going cancel this rewards account, then I would lose my points! BUT, the rep on the phone, when I was canceling, never said a word to me! So, little did I know that my points would expire. I feel incredibly cheated - I paid over 200 dollars to this company for absolutely nothing. And I understand their corporate policy but again, it should be THEIR own policy to remind customers that they will lose their points IF they cancel their account.

I am trying to order a few necessary things and for some strange reason my card is not going through - I checked that card is active and is paid in regular, it is a business card for heaven's sake. I called the number "18006731044" at 6:50 pm and was waiting for well 2 hours and half!! They just kept on playing a lame music and no response!! So much for 24/7 service to Small Business customers.

I opened a Bank of America cash rewards credit card a year or so ago. When I originally opened up the account, it stated that the promotional 0% APR was for 2 years. Fast forward 1 year and I started noticing interest charges on my credit card. I call them up, file a case, explaining that this is incorrect and my promo is 2 years not 1 year. The case closed in their favor and they said it's 1 year and I'm mistaken. They essentially lured me into a 2 year 0 APR card then reduced it to 1 year. I immediately told them to remove the 3 months of interest while I pay the card off. They refused. I told them, "Ok, thank you, I'm going to close all my accounts and leave the bank." They didn't seem to care, neither do I. This is the second time such a situation has happened with me at BOFA. Never again.

This review is for the Bank of America Travel Rewards Credit Card online application. My husband and I went to apply for this credit card, with the intention of both of us being co-holders. The online application asks for one name, and the salary of that person. At the bottom of the page it says "Additional Options: You'll have the chance to add the following option to your card later: Add an additional cardholder." So we added my husband's name, his salary, and clicked to continue. But that was the whole application -- it ran his credit and gave us a credit limit. It made him the Cardholder, and gave us a credit limit based upon his salary alone. It allowed me to be added as an "authorized user" later but did not factor in my salary.

What gives BoA? I went to activate my credit card which I have had since 2002 and got routed to an insurance company/collection agency, no mention of BoA, and a shaded choice of dialogue with a message "this is to collect a debt." It was horrific and I hung up and activated my card on the website. Is it now your practice to make paying (on time) credit card customers feel like deadbeats? Can't take the time to customize a message for your promptly paying customers?

Crooked Bank of America. BEWARE!! If you have a Bank of America credit card you are at risk of it being canceled without any notice other than your card stops working. Consider being on a trip, maybe overseas and suddenly being unable pay your bills. After literally hours on the phone trying to find someone who doesn't have an attitude or trying to find someone with a little more intelligence than an amoeba, I was told that they are "closing accounts without any notice for their own reasons", no explanation other than "for their own reasons" was given.

I have been a customer since 1994 and recently opened a Travel Rewards Credit Card account. I was informed I would get 20,000 bonus reward points if I met certain spending criteria in 90 days of opening the account. I did this and received no bonus points. I called the bank and they opened a "dispute" with me. All they could say is "we do not see this offer on your card" but here it is for the whole world and the only reason I signed up. I have been informed they are sending me a letter to notify me of the dispute. Amazingly bad customer service response or was it just a bait and switch!

I set up auto pay for the 20th. The bill is due 18th. I was paying early. It must have confused them because they charged me a $20 late fee for paying early. Why would you schedule your payments two days late?

My first credit card was a Bank of America card. Had the card for 15 years. Long time customer, never missed a payment, treated the card responsibly. I have an 800 credit rating and a great job. The card had an annual fee, was a no cash back card. I called them to see if the fee could be removed since I've been a long time customer with a great credit rating (I have 2 other credit cards with 10,000 dollar limits, and I get cash back bonuses on those cards, no annual fees, so I assumed this would be an easy request). Oh no it wasn't! I spent an hour on the phone waiting before getting to talk to a slightly friendly (but also inept) CS rep. The lady said she thought it likely they would remove the fee, and that I would get a letter confirming this in a couple days. About two weeks later... the letter comes simply stating that the fee would be postponed 1 month.

I have been a CC holder with Bank of America for over 16 years. A year ago I was notified that a BOA CC was being reported to my credit report as going over credit limits. When I called to discuss this I had no such card but was told I was a guarantor on the account. I closed the account that was created by someone in my family according to BOA. I told BOA all the information. I gave BOA all my pertinent info. Months later BOA then offered me a CC via NCL's. I applied for the offer, BOA gave me a CC with 24% interest - stating that I could have a new account but that because of my Credit rating I had a high interest rate for it. I ran my credit report and found that BOA was reporting that I was not paying the loan which six months earlier had been reported.

I got an invitation to apply for a master credit card which I did. The representative asked me if I wanted to apply for the master card after I gave the code I had, I said yes. Didn’t know she was referring to another one. I realized the mistake when I asked her about the $200 credit on the card. She told me it doesn't apply for the one she applied for. And I told her that was what they sent me in the mail. This was not the one I wanted but the one they sent in the mail. She put me on hold to consult with someone. And I was thinking if I have to reapply, my credit would have been checked twice and, was waiting for her to get back on the line to tell her I want to keep the one she applied for. When she got back, she read me the conditions to cancel and asked me if accepted them I said no, and she told me she processed the cancellation already.

I have two Bank of America Credit Cards and they have both been reported to the credit bureaus as late for different reasons. The first one was reported 2/16/16 for being late. This account was paid two days later. The problem was I was having problems making my payment online and when I was finally able to make it online it went through late. I have tried to dispute this with them that I had the money and that it was an error with them processing it however they say that it "Appears that I did not have the money!" How is this an assumption that they can make about my finances as I do not bank with them. Anyway I have been trying to dispute this with them and they will not take it off my credit bureau reports.

I overpaid my balance for my Bank of America credit card. I had to call them several weeks later to inquire when they were going to send me my refund. They sent me a refund for the overpayment several weeks later, yet they then charged me a finance charge. I called and spoke with a manager who would not remove the $24 finance charge for me. I had to close out the account. I will no longer do business with BoA.

I had credit card with zero balance. I'm checking my account to find out I'm on negative $371.85. Called bank... long story short - they said they will send me check. Obviously check never arrived. Called again. They said they will refund me the money... that never happen as well. Called again to find out they have no clue what I'm talking about, they don't see on their statement that bank took this money and now I owe them $371.85.

Even rating one is waste for this service. I lost my credit card and got charged without my authorization. First I called to customer service to block my card. They told me 'Your card has been blocked,' even after 4 days it shows active and again tried to call customer service. I was on hold for hours but couldn't connect to customer service.

I was 6 hours late on a payment and I was charged 25.00 dollars. Worst credit card ever. People please don't get one. This bank will not give a good amount of credit but charges the most that they can. Please stay away.

They require that they verify your account by making 2 small deposits. Apparently you are suppose enter those amounts somewhere on their site. I believe I did that and was able to make 5 payments from this account. Now it is suddenly locked and says I must verify the account again but because it is locked, I have to do it on paper. This was the 2nd bank account I setup. The first one I setup locked after 30 days because I was unaware of the verification process. I will never use this card again and will be paying if off shortly. No other credit card I have used has ever been this difficult to pay!

BankAmericard Travel Rewards Visa Signature worst credit card ever. I overpay the card, the computer got frozen. I called the company. They offer several time to deposit my money back on my debit card, several customer services give me five times confirmation numbers and promised each times that the problem will be resolved in 3 business day but it never happened. I never got back in my debit card the 416,67 dollars that I overpay neither I got credit for it. BankAmericard Travel Rewards Visa Signature made frauds with money and services. Do not apply for it. Do not used it!!! I will place this complain all over the internet.

I have apply your BoA and Alaska Airlines Visa card because I try to book my ticket to the Oregon. Right now I am upset because I see the annual fee charge $75.00 which I am not aware of it. I did not prepare of this and did not have budgets for this. I think when I book the ticket and you ask me to apply online did not emphasized very well on the annual fee. And I did not even received my $100 credit back yet. You already want me to pay the annual fee?? Did not make any sense to me. I would like to make a complaint about this. I just want to warning everyone. Thank you.

My wife and I applied for a couple BofA credits cards. After a few small purchases on these new cards all our cards were suddenly declined without any warning. I called the 1-800 number on 10/31 and they said they'd fix the issue. They failed to do so. I called again on 11/1 and they said they'd fix the issue. I made one small purchase to test the card and it went through but after that all cards were subsequently declined all over again. I cannot get a straight answer on why and they seem totally incompetent. I've never had this much problem with using a new credit card. I'm terminated every card, account and any future dealing with BofA.

I have been banking with Bank of America since 2002 and recently in the past three months when I log into my account I see credit card offers. Last week I went into a Bank of America to talk to someone about the credit card offer that I was interested in. They were really nice and attended to me promptly but they turned me down for a credit card and offered me a secured card with them. I am not happy with that decision they made. For as long as I have been with them I feel they did not want to offer me an opportunity. I also bank with a credit union since 2012 and they gave me a car loan just the beginning of 2016 with no problem for a substantial amount I was not even expecting... I am wondering if Bank Of America Turns down everyone.

I received a boa credit card in late may of this year, picked this card to specifically for the rewards. It had a high interest rate but was willing to pay because I am also trying to rebuild my credit. This was a pre approved card. When I got all the info in the mail with card I also decided to open an account with them (which they sent along with the card info and suggested that I could put my reward points in there, which I thought was great).

I got an email from B of A that unusual activity was detected on my credit card acct. I had a transaction (to buy gas) declined around this time but I thought it was because I was reaching my credit limit. There were 3 transactions flagged on the email (1 was the declined transaction), but none of them had the city/state info for the business for me to identify whether they were valid or not. The email listed a phone # if I had any questions, and I called this # today to find out more about this.

I went online to open a secured credit card based on an offer they showed me. When I read the info It showed, among other things, that the "credit" was based off of a deposit and amount of money earned. I applied for the card and waited to find out what the actual "credit" was. It turned out there was no credit, only deposit, and they took the money out of my account. Not understanding, I talked to a bank person who told me they only included income to make sure I could pay off card, so income was part of it. However, moments later, without knowing my income, he stated that if I had put down 4,900, the card would have had that balance. This proved that it had nothing to do with income and that the card was not giving credit, only the appearance of credit based solely, despite what they advertised, on income.

We have had this card for over 20 years. We only have one credit card and we only have that because in America you are no one without a credit history. Recent security issues are making using the card a miserable experience. I appreciate that the company is trying to protect us but their customer service is so hard to deal with. It is almost not worth having the card anymore. We were declined for a purchase due to its size (we use the card for small purchases normally, the purchase was well in excess of our normal). I tried to call the only number available to me at that point to find out what was wrong. I could not get past the automated service that kept repeating that my large payment had been received, the balance on my card, and the available balance.

I've been trying to do all I can to repair my credit score and FINALLY I thought seems that I have been banking with them since 1997 I'd be approved for a secured card. I never imagined that anyone could denied secured card when you transfer money monthly to pay certain thing with it. I was upset at the disbelief. I had almost filled out a real line of credit when I thought no you shouldn't. So I put me and my roommates/best friend/caregiver lol name on the card. What would you think? I'm serious you can use it unless you very have money on it which I was going to set up a couple of Bill like Rent and other big ones so I do have to order checks until we're moved and settle down. To my point is that your own financial institutions would try to help improve your credit.

Offered me a promotion with zero interest 'til 2018 February. Purchases were allowed 'til mid September without interest. That's what the guy from BAC told me and I used it accordingly. However BAC gangster now are charging interest. I really think the right hand does not know what the left hand does at BAC and the upper management do that on purpose to screw the people out of their money. What can you expect from banks? I grew up in Switzerland and knew already then that banks are the biggest gangsters.

I was with BofA for a little over 3 years and have nothing but bad to say about them. Every single number listed on their site is just all automated and never gives you the options you need and never routes you to an actual person to talk to. The only way to get an actual person is to initiate a chat and that can be a long wait in itself. You can't even reach someone at a branch.

I am used to endless hold when calling credit card companies about billing questions. But I had a fraud situation and BoA was essentially unreachable. I am cancelling the card.

I closed the credit line on 6/2, I had the account fully paid off. 6/10 Bank of America reopened my account to charge me $12. On 7/20 they took the charge off and assured me the account would be closed in 24 hours. Just got a statement in the mail the other day. 8/10 Bank of America charged me $1.50 interest on a zeroed out closed account!!! Does anyone know a lawyer I can contact about this? I don't want this company anywhere near my financial life!

I wait until I receive my ebill notification from Bank of America credit card to pay my bill. They post a little bell next to your credit card on your online banking, letting you know that a new payment is due. As soon as I see that, I automatically pay my bill. (Same day) What is happening is they are actually posting an ebill on the same day that the statement is processing. If you then click on it and make your payment, it is actually being posted as an additional payment for the previous statement period, and not on the new statement period you are currently in, per the ebill you just got. The problem with this is, that you assume when you make your payment for the current bill that was just posted that that will be your payment that is due for that Period. Then when you log back into your online banking, you will still see that a payment is still owing.

Bank of America credit card is charging interest, computed daily, on the credit card balance that is open during the grace period to pay what is due. No way will I continue with this credit card.

I have come up with a viable past time while you are on interminable hold waiting to speak to someone on the phone in the fraud division. Google what the executives at BOA are making in compensation. Then maybe it will become clear why there are underpaid, overworked people trying to handle customer complaints -- of which they are too many to mention. I bet the only thing that is a hassle to these executives is getting to get the heliport on Fridays to book a seat to the Hampton's. My mother gifted me some BOA stock when she passed away. She was using this stock to supplement her social security income. I watched that stock go into the dumper where it has basically stayed all these years. I have kept it as a memory of her but at a penny a share, she wouldn't even have been able to get a decent lunch out of that.

Stay far far away. I've been a long time customer (> 10 years), and they are screwing with me regarding a vacation impacted payment (3 days late). They have upped the flat charge. They have upped the percentage penalty, and they treated me like a piece of crap on the phone. When I tried to cancel, they don't tell you you have 300+ bucks in points equiv positive, they try to cancel on you without letting you redeem. Take your business far from here. Far far away!! Don't give them the chance to screw you too!!!

I have been a Visa and a Mastercard holder with Bank of America for over 10 years. When I have called Customer Service over the past 10 years I have almost always had the call answered promptly. Today I called (on a Sunday!) and attempted to reach Customer Service on 3 separate occasions. Wait times were over an hour and it seems that Bank of America has changed their automated prompts to make it more challenging to get a rep on the phone. I will feel compelled to look for another credit card company if Bank of America can't get their act back together and return to good customer service practices.

Trying to order textbooks, and they decline my purchase (I have a zero balance on this credit card, so money wasn't the issue, and they approved the other two purchases). By the way, it took them well over three hours to even alert me to the suspected fraud. So I try to contact them to find out what the **, and the guy tells me, "Oh, sorry, you'll have to call". So, I call, and guess what, the wait time is over an hour. I am trying to make a purchase. Seriously, what if I was standing in the grocery store? Or trying to pick up my kids from daycare and make the payment there? Or get an emergency flight out of some ** hell hole, or pay for a life saving medicine? By the time I got through to their "customer service" I'd be dead.

I called these people but before I can get through anyone's I have to push so much numbers and was on hold for 45 minutes and some smart ** Nick ** got on the phone being a very smart ** and before I can say anything I was transfer for another 20 min wait time. That's already total of 1 hr and 5 min and guess what. When someone finally answered saying wrong department and got transferred again for another 30 min. That's total of 1 hr and 35 min. Where the hell is all the people that they hire ** at the back office. And their dispute department is horrible. I was asking question more like a interrogation than a customers so I hanged up.

I went through a horrible divorce and my assets were frozen. I had a balance with Bank of America (BOA) and had always paid the entire balance off monthly. Once my bank account was frozen, I contacted BOA to let them know that my payment would need to be extended. After a couple months I called BOA and informed them that I would pay the account in full and requested the payoff balance. I was given the outstanding balance and paid it in full with late charges/fees and confirmed that the entire account was paid including fees and interest through the payoff date. The following month I received a credit card statement stating that I owed another $300. I refused to pay it as I had already paid my balance in full and the amount owed at the time of the payoff was inclusive of all fees/charges and interest.

Bank of America isn't customer friendly. I have a card/acct. with a limit of $19,400 credit limit that I currently owe $1,918.24 and am considering paying off. The account has always been in good standing, with the exception of an issue with a credited online payment that they indicate didn't occur. So 30 days... BS. I just found out that the account was closed without notification, but ALL statements (mailed or online) indicate the above credit limit. So, they closed my account without good reason and without notice. I advise considering other options before doing business with BOA!

B of A is the WORST bank on the planet from their fraudulent processes to their horrible customer services/staff! After having a Gold Reserve account for years linked to checking, B of A randomly "closed these accounts for all customers". This created a spiraling disaster. They promised to correct things and return the thousands of dollars to me "within 48 hours". Another LIE from this evil bank, no funds 5 days later, right before I'm to hop a plane out of country! They are heartless!!! They smile, smirk and sneer at you as they tell you there's nothing they can do. I can't wait to transfer every penny out of my accounts when I return from vacation! Stay away from these shady crooks!

July 12, 2016: Call to inform that we would make major purchase with their Visa card while on vacation, including to Canada. Card must not be placed on restriction during the trip. July 17: Visa Card frozen, one pre-booked tour was cancelled. No alternate credit card. Have to use cell phone to call B of A, on our expensive "roaming" time. 1st call: 10 min. hold. Gave up. 2nd call: Female rep said she must call us back on pre-registered cell phone to verify ID. Never called back. 3rd call: Male rep with accent impossible to decipher. Spoke to supervisor. He released all restriction. I WOULD NOT TRUST any front line rep. I would call supervisor to verify their work. I would get another bank's credit card.

Applied for a 18 month, zero interest cc and got approved for two balance transfers, for less than 5k total within 1 minute, but they didn't inform me it would take 3 weeks for them to do the balance transfers which ended up causing me to pay late fees on my old account. When BOA staff were questioned about all the time it took I was told "Oh, you must have applied online". Yeah, so what? If you apply online you're not going to get all the info you need. I'm taking their damn card and stashing it away, using their zero interest for the 18 months and not charging a DAMN thing on it.

Been with BOA since 94. Had a 21,000 credit limit, paid on time, paid balances off a few times. Paid Balance once again in Feb 2016. Called a few days later to make sure there were no interest charges that would come up. The customer service guy said "No there will not be any". He said unless I charge something I do not need to look at my statements for payments. WRONG. Just found out I owed $32 for interest. So I called and paid it. They waived the late fee as they understood the mistake. BUT the account was closed based on being 60 days late. In order to open it again, they wanted to pull a credit report. NO THANKS.

I checked my credit card online this afternoon and I saw a charge that I was not supposed to have from a gym membership. I called them, the first call I waited 40 minutes online trying to speak with a representative. Someone answered but it was not the correct person, then she put me on hold and tried to connect me with the right department, that took 45 minutes and unfortunately I was not assisted because they hung up the phone. I tried one more time to see if I was lucky enough to find a nice person that could assist me. I gentlemen answered the phone and asked me how he could help me. I explained him my situation. He decided to contact the gym but at the end was even worst. He did not help me with anything. I waste my time trying to get in touch with them and trying to resolve my problem.

After 18 years of banking with BoA, never missing a payment, never overdrafting an account, and having 3 accounts, 3 lines of credit, and a credit score in the 700s today we decided we would open our business account with BoA. During our visit we found out that one of our credit lines we recently opened to balance transfer away from American Express was decreased from 10,000.00 to 2900.00 with no real explanation (mind you we've never missed a payment or overdrafted or overextended our credit) and the balance transfer we set up didn't go through. We found this out by going in there for an unrelated visit to open a business account.

I have applied for a Bank Of America travel credit card online on 10th June 2016. I found it to be pretty slow. I called customer care to fast track my application process but I was indeed given an option to cancel my credit card application as it takes too long i.e, 30 days for them to review and later on 7-10 days to reach me by mail. When I asked customer care if they made any hard inquiry on credit report, they never confirmed it. Otherwise I would have cancelled my credit card application. I did not expect this, and would like to give a less than zero rating for processing new credit card. Very slow service.

I have been credit card customer for the last 5 years and always paid on time except for last month where I was late by 1 day. They charged a service fee of $25 and when I requested to waive it, the representative tone was like "Get lost." What a horrible way of dealing with the customers. Will never use this card and will never suggest this bank or credit card to anyone.

I wish I had read all the reviews here before getting a Bank of America card. I contacted them today because I have never received anything regarding my Amtrak reward points. I asked them what my member number was. My customer service representative Erika said they did not know. I asked them how on Earth are they crediting me any points if I don't even have a member number? So basically the reward points that were advertised with the card are a scam and do not exist. This is fraudulent advertising for both Bank of America and Amtrak.

I signed up with a promotional APR of 0% for 12 to 15 months and after the 1st month, I was charged interest and now they are saying, I only have 0% on balance transfers. This is ridiculous! The purpose of me applying was to take advantage of 0% to save money! Bank of America is not a good company to do business with!! Stay away from this company, they are only in the market to rip people off, stealing people's money!

I had a Visa secured credit card with BofA and I have never received any statements or activity on my account. Up to this date my account is now in collections when I had never used it and tried to file a fraud case. They never could assist me. It's either pay your account or nothing. What type of business is this? I had submitted a credit dispute to see what other actions can be done.

An account was opened in 2001 by Larry **. I later married his widow. I never agreed to be responsible for this account and NEVER made a purchase or asked to have my name put on it. BofA has slandered my credit and this account is the ONLY derogatory account I have out of 18. I spent $100 bucks with Lexington Law to fight this. They told me to hire a local attorney. I am in Sacramento Ca. I NEED an attorney and will spend the money need to file a lawsuit. Thanks.

I have been trying to resolve a issue with BOA Claims Depart, Customer Service, etc. for 3 months. No one there can help you. They say they will call you back and don't. I have made 6 calls to them, going through details each time and then they say they can help me and transfer me to someone else who can't help either. No one knows what they are doing and I can't resolve the issues. It's the worst customer service I have ever dealt with. I have cancelled the card and will never use BOA again. I have excellent credit, but was traveling to Alaska and wanted this card for free bags. Alaska Airlines should find new bank cause this one is killing your business. It's a long story, after 3 months, but these guys are terrible, worthless and it's painful listening to all their excuses. No one is authorized there for anything, so don't even bother calling.

I transferred 1,700 dollar from debit to platinum credit card. As there are no BOA locations in columbus ohio. The balance wasn't showed up in my online account even after 12 hour. I called them and make a request several times. They just keep transferring my call to one another. They didn't say it's not possible. They just keep transferring and at the middle they disconnect phone. Worse experience..

Started at 5 minutes estimated wait, then as I waited it changed to 6 minutes, 7 minutes, and so on. How does the volume of demand and the estimated time increase when I'm already in the queue?

I opened an account with Bank of America in 2007, have always paid the min. payment. On 4/13/2016 I paid my entire bal. of 6,624.24. As soon as I did they reviewed my credit & decided to close my account. They penalized me for paying the balance.

I live abroad and use Bank of America as my US-based bank. I am having some issues with my debit card and the problem could be solved if I just could talk to a real human for a couple seconds. Alas, no luck! I simply can't wait on hold for 30-40 minutes, especially because I'm not confident that holding longer will ever result in a connected call! The worst part: I call during business hours, and the message tells me: "We're sorry, our offices are closed. Our business hours are 7 am-10 pm, please call back during those times." Considering I am calling at 8 am on a Tuesday, I am pretty sure I AM CALLING DURING THOSE TIMES. Ugggh! Just awful.

The bank calls leaves me a message and says my account will be on hold until I call and review some transactions with them. I have been calling for three days and nobody picks the call up. So how am I supposed to call and clear it up if they wont answer the call?

Before studying abroad for a semester, I decided to sign up for a Bank of America student debit card because I knew Bank of America was an international bank and they told me that there would be no fee for using the card internationally. I clarified three times, making sure to ask if a few would incur, for instance, if I withdrew from a Bank of America partner bank or if I used my debit card in a store or at a non-partner bank atm. They clarified that unless I withdrew from a non-partner atm, there would be no fees. I put the majority of my money for abroad in that account because my personal bank charged a 1% interest rate per transaction or withdrawal overseas. A month into my semester I found $140 worth of fees on my bank statement for international transactions.

Can Bank of America credit card fees get any more infuriating? The answer is “yes” and here are 2 relatively new credit card fees that Bank of America has dreamed up. The first has to do with being charged a foreign transaction fee on purchases made in the United States. Here’s the experience encountered on 2 separate occasions. In both cases purchases were made using a BofA credit card to 2 international companies. Both purchases were made in the US but, because these 2 international companies use a foreign bank as a clearing house, BofA charged a foreign transaction fee. This places the cardholder in a position of having to know where a company does their corporate banking.

I have been with Bank of America credit card for years. Now, this is about the 10th time they have done this to me; whenever I pay the balance off, they lower my credit limit. They did this to me years ago, when I needed to buy plane tickets, which was an emergency, and they lowered my credit balance. No letter. Just lowered it, and the month before I needed the tickets, I paid the balance off in full. Well, they did it again. I just paid off my balance. My credit limit was $4600 February of 2016.

When I started using my BOA credit card they promised no annual fee. A few years ago they started charging 80 a year to with no good reason. I pay on time every month and have good credit. Someone told me they're in trouble with their unfair practices. So now they are gouging the "good" customers to make up the money they're losing.

I have had 1 credit card account with BOA for several years and recently opened another one. During the years I had my first credit card with them they only raised my credit limit 1 time. BOA placed several hard inquiries on my credit report even after I told them they did not have my permission to place a hard inquiry on my credit report. Now since they closed both credit cards my credit will be ruined as it will now be listed as 2 separate closed accounts both with balances. I have never once paid any of these accounts late. They claim it is because my revolving balance is too high and that is not believable because my balances are actually lower than they were. I have used BOA for many years, always trusting them with my family's hard earned money. I am now realizing this is a huge mistake as BOA does not value me as a customer. Very disappointed with BOA.

Bank of America stopped my automatic credit card payments after 12 months. In my experience, automatic payments never stop until you put a stop to them yourself. I had some late payments as a result of not realizing that the automatic payments had stopped. When I complained, the Bank agreed correct my credit report. It was my understanding that the automatic payments would start again, but this didn't happen, so several payments were late again, ruining my credit.

I have had my B of A credit card for 15 years. When it was issued, they gave me an enormous credit line. Much more than I ever needed. I've used the card extensively over the years. The balance has gotten high at times, but eventually has been paid off, at least two to three times. Mind you, I have never gotten anywhere near the limit on this card. A month ago I was on a business trip with this card because two of my others with much smaller limits were nearing the limit, so I brought this one, just in case I needed it.

I have had a credit card with BoA for 20 years and always paid on time. Last summer I received a phone call that claimed to be from B of A asking for personal identifying information (starting out with my address). I refused to provide any information but did call the phone number of my Bof A credit card. They assured me it was a scam and not to provide any info. The person called back several times but I refused to provide any info. I also received a letter but calling Bof A, they assured me it was a scam. Then BofA cancelled my credit card but has refused to provide any explanation as to why. I tried to use my accumulated rewards to pay my balance due but BofA claims they have the right to seize my rewards since the credit card was cancelled.

My mother passed away on February 10th, 2016 and as executor of her estate, it was up to me to pay off her debts. Every time that Bank of America sent a bill to pay off her credit card, I would write a check to pay the debt off and 2 weeks later, they would double dip into her account. Every time I call them about this problem, they say that they are there to help me, which I call ** on! They are only there to cheat people out of their money. I have had to call them 3 separate times on the same double dipping problem. I am to the point of taking them to court. 2 months ago, I paid off the balance of over $6,300, and they double dipped in the account again, which ended up with overdrafts in the account and every check that I used to pay the utilities had bounced. I ended up paying late fees and overdraft fees, because Bank of America ripped my mother off.

Dear Bank of America, you are the absolute worst bank ever. You only came into my life when I married my husband and we paid off his credit card with Bank of America. We overpaid $400 and you didn't let us know until we figured it out when we checked to see if it was paid off. So you said you would give us our $400 that you owed us. So we waited and waited and finally my husband called to find out where our money was and then you decided to mail us our check but at the same time you also put the $400 in our bank account and did not tell us. We did not know what happened until you contacted us to let us know that YOU overpaid us $400 so we said we would gladly pay that off. But then you continued to charge us interest and when we had the $400 paid back to you which was due to YOUR mistake, you had charged us interest for two months.

This bank is the worst ever! Don't ever use one of their credit cards. It is not worth your time. They have my account frozen even though it has never been in default. I can't even make a payment online! Unbelievable! Service reps only know what they have memorized and do not try to understand the situation. Please train these people! I'm done with BOA.

I applied for a Alaska Airline Signature card - got approved. Got a 2000.00 Platinum Plus in the mail. At no point did it say you didn't qualify for the card and you would get a crappy card with no benefits, I would have declined. My credit score is 728 with very little debt and I have $10,000 with my credit union. Bait and switch. I called and closed. Be aware when applying with Bank Of America.

I opened a account (Alaska air credit card) and sent in my first payment of fifty dollars. I got a late notice with interest from them, so I sent them a copy of my bill pay transaction. The next bill showed the balance plus interest. I called customer service and they told me they had received my copy but could not do anything because I had not approved my bank??? After many phone calls and 5 hours on the phone I straightened it out or so I thought! Several days later they put the late payment on my credit report! I have never been late on a payment in my life and had a great rating. Back on the phone for another hour they assured me they would take care of it! Days later and they still haven't fixed it!!! DON'T EVER DEAL WITH BANK OF AMERICA!!!

I have been with Bank of America for over 15 years. I originally had my mortgage through Country Wide but it was sold to Bank of America who offered overdraft protection. In the fine print which I take full responsibility for not reading was the astronomical interest rates since it's considered a "cash advance". After seeing what was happening and calling customer service they wouldn't do anything about the charges nor would they do anything about the additional "fees" they charge for the overdraft. Since all this debt was collecting on the credit card I finally managed to pay off the balance and the next day for another charge from the bank. This is very much a consumer beware advisement... This bank is horrible and will nickel and dime your account till there is nothing left.

"Regarding the credit card account ending in **, and specifically the following transaction WALMART.COM 800-966-6546 AR on the amount of $215.54 as listed on my credit card statement, when I simply tried to file a complaint about this irregular and wrong overcharge on my order it was simply indicated that no transaction would be eligible for complaints. This then begs the question: is this credit card company working in collusion with Walmart in order to steal my money since there is clearly no reason to begin with for one to not be able to question a transaction. Too bad I choose to use this subpar low key credit card issued by this financial institution whose services are nothing but a derogatory disgrace. Bank of America certainly makes it close to impossible to file any complaint online, such a far cry from the excellence in services provided by American Express."

I paid off my Bank of America credit card & mailed in a written CANCELATION NOTICE on a monthly statement. Almost a year later I received a letter from a collection agency claiming I owed $400.62 to Bank of America. I contacted B of A and found that in Jan. 2015 they had received a charge from Microsoft for $108.39. Calling B of A took a total of 4 calls, about 2 1/2 hours, and I was transferred to 7 different departments (Collections, Claims, Credit, Recovery, Escalations, Resolutions, Fraud, back to Resolutions) to even find the correct person to tell me that there is nothing they could do. They first said that when I paid off the account I had overpaid the account by $.10 and that had left the account open, so when the charge came in it was accepted. I had no knowledge of any purchase from Microsoft, so I contacted them, but they could find no record of the charge and told me to dispute it with B of A.

I asked for a replacement card because my card was damaged. When I got my replacement card I try to activate it and I couldn't activate it so I call customer service to see what the problem was. They couldn't answer me. They had no idea why. Very rude all he told me was "I will give you a number to call on Monday." So I called on Monday and they told me I had to send them proof of residence in order to open my account again. I found it very strange. I have over 10 credit card nobody has ever asked me for that but I went ahead and send it to them. 7 days later they closed my account for no reason whatsoever.

I had been given a promotional offer of 20000 bonus points on a new credit card if I applied for it. But when I did and made all the eligible purchases (and made payments), the bank refused to give me the bonus points, saying that the offer does not have points for my account since it was not set up in that way. After repeatedly calling customer care there has been no improvement in the situation. All that I have received as reply is that customer care keeps saying that they have escalated the issue.

You have improperly imposed a $37.00 late fee on my account. My payment was not late and made via phone Pacific Time. The rep and manager say the call ended at 12:03 am EST time. The call took 12 minutes and was made before midnight EST. I want this fee reversed. I called in and want to file a complaint against your rude obnoxious unprofessional reps and manager Gregory in Morgantown, Angel, Samantha in Arkansas and Mikala.

I have called Bank of America customer services on numerous occasions trying to find someone with the authority to be able to negotiate a credit card settlement. I was diagnosed with Parkinson's disease in October 2005. I immediately began medications called Dopamine Agonists. Some examples would be: **. These medications have horrendous side effects that affect many people. Some of these include severe obsessive compulsive tendencies such as gambling, excessive shopping on the internet, sex and ** just to name a few. I ran up around $10,000 on my Bank of America AAA Mastercard and have been struggling to pay it off since 2009. Every time I call them, it's like they don't know ** from shinola. I am told a different story every time and transferred all around the place, sometimes to the same department numerous times. No one knows what the hell is going on.

I opened a credit card account, earned over 40,000 points. BOA closed my account because of their evaluation of my credit report. I paid on time, and paid off the account. Now they tell me since the account was closed I cannot use or redeem the points I earned. In my opinion, that is stealing. DO NOT USE BANK OF AMERICA.

We canceled automatic payment on our credit card and started paying manually. Bank of America took a large payment (not even near what the minimum is) out of our USAA checking account. They stated they would put the money back, but never did. We are now out that money and Bank of America will not handle it. I am going through my bank. Bank of America has simply committed fraud, in my opinion.

As a loyal BoA customer for over a decade, I've never had a late payment. Then I lost my job and, amidst incredible stress, didn't notice that my BoA credit card was getting charged $7.95 per month for Netflix. I failed to pay the credit card for 2 months - $16 in total. It's my fault, I admit it. But BoA reported this to credit agencies some 2 years later. My credit score went down by nearly 100 points, and I was in serious danger of failing to qualify for a house loan (otherwise perfect credit). I spent close to 20 hours with various BoA representatives to no avail. I obtained legal advice, and I'm aware that BoA could have forgiven my $16 mistake, in lieu of being a loyal perfect long-time customer, but they chose not to. So BoA cost me thousands of dollars because of a simple mistake.

I am filing a formal complaint about the aggressively negligent customer service care provided by Bank of America with regard to my Credit Card. I have had this card for a few years and recently decided to take it rather than cash on a trip, thinking it would be more convenient to access and track my expenses. The failure was both in execution of a mere 1-800 access number which directs one only in Spanish, although it is called Bank of America for a reason, to all of its customers after hours, misrepresented when finally reached an actual English speaking representative by being promised a resolution with 24 hours, and a credit department holding my credit capability, capitalizing on their own opportunity to increase their own revenue at the expense of the consumer when I made two full payment in the same month! One paying off a small balance in full in a timely manner at the beginning of this month. And the second in advance of any future expenses I might anticipate ensuring I was fully covered within any limits.

After paying off a large balance on BoA, I had an automatic payment come through. Although I had a notification feature turned on for payment due, I did not receive a notice. The payment was late for 1 month. BoA took this opportunity to drop my credit line from $13k to $500. Seething!

This is a horrible bank and has bureaucratic processes. I kept a large account with Bank of America for a good 10 years and had a credit card with over a 10K limit for 4 years. I had to leave the country because of personal reasons and I closed my bank account but forgot to close the credit card account. There were some fraudulent charges on this credit card and when I returned after some years these sleazy people had put $89 in collection. When I inquired about it and challenge the account, they said I couldn't challenge those payments as the 60-day time limit had passed. So I tried to reason with them to remove it from collections, not that I couldn't pay it but that in principle it was wrong. They didn't listen to any reasoning. They didn't even care that I'd been a customer for such a long time, nor did they ever try to contact me through email. This bank is extra sleazy, stay away from them!

If you have a BofA CC card and have more than one interest rate, please scrutinize how your payments are being applied carefully. They do not conform to the Federal law passed in 2009, at least on my account. Several of the BofA staff admitted that the payments have been applied incorrectly, but cannot seem to get this issue resolved after 5 hours on the telephone. Because of their incompetence, they think everyone else is. A supervisor could not answer my questions, so she hung up on me. Do the math and check your monthly balances. The minimum goes to where they want, which is the lowest APR and all monies in excess of your minimum for the month, MUST be applied in full to to the HIGHEST APR. They also charge a yearly fee on their cc and charge interest which of course is at a different APR so you pay the yearly fee plus monthly interest. If you cancel, they still charge you a yearly fee as long as you carry a balance.

I have a Bank of America credit card. This summer they double-processed a payment for over 13000 dollars. This was on Sept. 4th. Finally on Sept. 18th they admitted the error and agreed to transfer the funds back to me. But they made a mistake on the transfer so I never got the money. It went back to them. You can see on the attached receipt that my account had negative balance, i.e. they owed me 13495,87, on the statement date, Sept. 16th, with a payment date of Sept. 4th, and that they first tried to transfer the balance to me on Sept. 21st when they debited my account $13669.82, now leaving me owing them $173.95.

I have had bank of America credit for several years. Today is the first time in so many years that I needed them to assist me with fees. To my disappointment, they literally turn me down.

BOA has been promoting its BankAmericard Cash Rewards which has 1% cashback on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter. I have been using this main credit card for my grocery shopping since Oct 2014 to Oct 2015 and just found out I only received 1% for entire year. So I contacted BOA's sales and she told me BOA system could only recognize "American grocery stores such as Safeway or luck, No Asia grocery stores" from its credit card cash reward system but BOA doesn't mention this clear info on this credit card's handbook to this credit card's users. Frankly, BOA provides a very good customer service to me since 2009. However, this is very bad experience about its credit card.

I paid my August '15 bill online and made a typo in the amount - ***.01, by .01 (1 penny) I was short. On next statement I was billed for $21.77 for my 1 penny typo. Called customer service and complained and was told that I was charged because of my "full" payment was not full but short. However, the customer service agent told me to go ahead and pay the full amount including the interest and she would see to it that my next statement would show a credit for the interest. I paid online in advance, the full amt. incl. the interest. Next statement came - she was correct. That interest amount was credited. BUT, WAIT! They charged me for even more interest this time, $30.34.

I had 10000 dollars credit card limit and I paid 4000 dollars hoping to use for the Labor Day holiday/as soon as I made the payment online the very next day they reduced the limit to 6000. I called the customer care and requested to resend my payment and they promised they will and never did and when I called them after 5 days they said my account does not qualify to revert my payment. The bank acted cheap and never cared about my situation.

I have no proof. But it seems like I am constantly harassed with new cards (meaning I must change all my auto-pay accounts) or locks due to 'suspicious activity'. These holds on my account then force me to answer meaningless security questions online. I really hate not being able to use my card whenever and wherever I want without them shutting me off. My guess is they do not want me as a customer since I don't carry a balance. I use the card for nothing else than accumulating miles with Alaska Airlines.

So I have a BoA credit card for about 17 months. When I got it was secured, so I paid 99$ and that money was suppose to come back to me after 11 months. So today, 17 months later I called asking about the deposit, I'd like to apply it toward my bill and they said "NO!" I have NEVER paid it late, if anything, I did early payments and I just can't deal with the fact that they will not give my money back. I plan on paying it off in the next month and canceling it, what is in there to help customers? I just can't deal with it. If I had late payments and this kind of things, ok, but I never did. BoA you suck!!! And I am going to be closing my BoA account too, I can't deal with it. They have no appreciation to their loyal clients.

If you are only 1 day late they will hit you with a $25 late fee. That's very high and I think it's quite unfair. I will stick with other credit cards such as the Discover It card.

Somehow I received a pre-approved CC offering which I took. They sent me a card with a $1000 limit. Maybe 2 weeks later I noticed I was decreased to $500 with no reason. I used it like 4 month, always paid before due date and more than minimum payment. One day I went to use it in a restaurant and they told me it was declined. When I left the restaurant I called immediately and the response is that the user had voluntarily closed the card. I said no. The lady told me that she would fix this. So what they did was submit another Hard inquiry to the credit agency affecting My score. Denying the card and by the way my score was higher than when they actually opened the first place. First and last time for me with BOA. I was writing this as I wait for 40 minutes to make a payment over the phone because they could not verify my bank account.

I had this card for a few years and never used it. Recently I moved across country and charged airline tickets and some other moving expenses. When I got the bill my interest was 20.99%. This was not the rate when I got the card 3 years ago. I have a very good credit score. Never missed a payment on anything. Called to get the rate reduced and was denied... 3 times. Beware, read all the material you receive from B of A.

I have now spent over 1 hour and spoke with 9 different customer services reps trying to determine why a second account have been opened for a Alaska Airlines Visa Signature card. I did not request a new account, I do not want a second Alaska Airlines Visa Signature Card - but nobody can tell me how and why this happened. REALLY? BofA - this is way too labor intensive and you do not deserve me as your customer. I am now on the phone and on hold again while I am being transferred to CSR #10 - WTF???

I received an email from Bank of America. I currently have a credit card with them and I pasted in the details: "A credit line increase on your Visa® credit card account ending in 2668 can mean more buying power for life's planned and unplanned expenses. There's no additional credit inquiry or application. Just verify your current income information by September 9, 2015 to see if you qualify." There were plenty of other graphics and images repeating "NO CREDIT CHECK". I am trying to mind my credit and be responsible and too many inquiries lowers your score. So immediately BofA runs a hard credit inquiry of my credit, lowering my score by a lot and basically killing my score.

I called to verify charges on my card and the ** female employee was too hysterical and tried to send me a new card when there was no need. I simply verified the charges and the matter was over. She handled the situation poorly and wasn't calm and professional. This is a pattern with Bank of America. They need to hire employees that can be professional. Their customer service people on the phone are terrible these days. Their employees in their branches are also unprofessional and rude.

Now realize, Bank of AMERICA do not participate in the BBB or Affairs. These people gave me a card for I believe 300.00 dollars. I wasn't able to pay them all their money back. Now mind you, I worked for their company satellite, was laid off and in the 2 years I worked for them, I accrued retirement funds. When I left Bank of America, took back the funds (Fleet Mortgage) that's been over 10 years I lost my job. Husband went on disability, not getting enough to pay rent. Now, I opened a bank account trickily for my family to put money in account because this bank is in their state. My health declining so they think I have money.

Talked to rude customer that wouldn't refund me of a fee because I was 25 minutes late. However Bank Of America is the worst bank ever! She told me he wouldn't refund me the fee because he doesn't get paid enough to refund the fee which makes no sense. She told she didn't even work for Bank of America. She said she worked at TeleTech which she said is a call center and she deals with Credit cards account. She also say she only get paid like $9.25 an hour to work. So basically when you call Bank of America, it's not even real banking people. WTF!! If you want to talk to a manager call TeleTech corporate office at 1-800-835-3832!

I also have a Bank of America Gold line of credit and have had it, for seven years since April 2008. Paid timely but have been told I cannot use it and it is showing late fees assessed, and that all that can be offered to me is a credit card at 22 percent. I spoke with several customer reps to no avail and finally have submitted a complaint through the consumer finance protection agency which got me to the Assistant Vice President at BofA. They now have sixty days to respond to me but I have 11 days left to make a payment on the account. I have been told I can use it for balance transfers but going online it says I cannot use it that way and have to apply for a new account to make balance transfers. Also that person said if I did make a balance transfer they would pull a hard credit check on me which is illegal. And it doesn't even make sense.

I have had a Bank of America account for years but a credit card for less than three months. Bank of America cancelled my credit card and issued a new one because they said that my account MIGHT HAVE BEEN COMPROMISED. No hold on the account, no call or e-mail. Just cancellation and replacement. I've never had another credit card cancelled without some contact beforehand. Now I have to notify all automatic payment accounts of the change. I spoke to a BoA representative and she said that this cancellation could happen again at any time. Am thinking of closing all my BoA and brokers accounts because of this.

I was recently able to pay off my B of A balance of close to $7,000 in full, at once. I had never once (in the five years I had the account) been late with a payment, btw, but was only able to make the minimum or a little over due to being overextended (in this economy, with several personal obligations = difficult to avoid)... Am trying to repair my credit... B of A IMMEDIATELY with no notice, closed my account. I found out when I tried to access my account online to make sure the payment was credited.

Unbelievable! I have excellent credit, not a mar on my credit report, not a single collection nor a single late fee. I've had my BOA card for about 2 years and never made a late payment. In fact, BOA recognized my stellar credit giving me a hefty increase only months ago. Yet, today in the mail I get a letter that my the bank has taken preemptive measures because I have too much credit & too many inquiries. WTH. So, you're basically messing up my good credit by closing my account & thereby decreasing my available credit. I will be calling Monday morning, but something tells me from reading these reviews that I'll get a nasty customer service rep. who won't help me or reopen the account.

In the past I kept noticing charges for interest on bank cash advances. It was my fault that I just recently called to discuss the charges. The bank can only go back to 2008 on my account that I opened on 15 Sept 2006. The results were the following: I either went into a bank and got a cash advance, or withdrew money from an ATM or had a bounce check. I did neither. My credit card limit is so low that even if I took a cash advance I still wouldn't be paying interest from April 2008 and I would have had to bounce several checks to still be paying interest. The bottom line is that Bank Of America has made an extra 300.00 plus. Unfortunately I cannot prove from 15 Sept 2006-31 Dec 2007 that I did none of the above.

Terrible, Terrible Bank. I was coaxed into getting a credit card with Bank of America at age 18. Since then I have been a customer for years and had no issues or problems until recently. I ended up missing payment due to real life situations, and this company jacked up my interest rating and minimum payment to a whopping $318.

I have had my BOA cash rewards Visa for 2 years and an overall relationship with them since 2007. I have a 710 FICO score, no negative information on my credit report and have an excellent payment history with Bank of America. I had received a phone call from Bank of America offering to lower the APR on my credit a few weeks ago. I was pleasantly surprised! The representative also asked me if I would like to take advantage of a 0% APR balance transfer or direct deposit for 18 months. She said she could deposit 4000k into my checking account so I could take advantage of this offer. I declined but did do a direct deposit through some checks Bank of America sent me.

I stopped to buy gas but had credit card transaction declined which was both humiliating and inconvenient, apparently due to a security breach at BOA Bank of America credit card services from June 15th, yet they did not bother to notify me from June 15th to July 11. Fortunately for me, I have another card with a competing bank.

Since I started with this "bank" they offered me a credit card because obviously I have good credit. In one of the payments without authorization they debited from my account making it in overdraft. When I ask for 1 day to get paid and make the payment this person told me there was no problem that they'll fix the overdraft and wait for payment next day. I said "ok perfect." Well still got another overdraft and they cancelled my credit card for non payment. When I called to another one of these dumb ass that they have in customer service tells me another story and I'm out of a credit card. My first one and I stayed with an overdraft again so now I'm paying a credit card that I can't use. Then in all these situation here and there transactions that does not show up online, phone or customer service that don't provide the adequate information.

In May, I foolishly succumbed to an advertisement on Facebook for miracle weight loss products, a combo of Garcinia Cambogia and Natural Cleanse Plus. Maybe I should have read the 42 pages of "Terms and Conditions" more carefully, but who does? The amount to be charged to my Bank of America VISA was under $5 and I was OK with "losing" that amount if the products didn't work. The products arrived with 3 glossy pages of information on how to take the capsules, diet and who to call if you had any problems or concerns.

I feel they add extra fees to my secured credit card. Too expensive charges, I will close this secure credit card, and ask for my money back. I should read this post before to apply for a credit card with Bank of America.

About 4 years ago applied for BA cc at Bass Pro store to receive 10% off my purchase. It was a Saturday, filled out all info approved. Its 2-3 days later receive email of fraudulent activity. Call immediately, explain I don't have card yet. "Did you lose it?" I was asked. Even though I explained I just applied days ago. Told, "do not worry, will cancel that number and issue a new one." Long story short, this happened 4 more times in less than a year. Called to cancel my card, operator did not understand why since they replaced it each time. (dumb me) I will not deal with Bank of America again, too much fraud.

I applied and was accepted for a Spirit Airlines credit card in March of this year. I was promised 15,000 miles for first use of the card and 2 miles/dollar spent. They have not awarded these miles to my free-Spirit account. They have another account number on file for whatever reason.

We have been asking Bank of America to give us statements since 2012. We got behind on our payments and then they sent our account to collections. The collection company does not give a statement of you paying or what you have paid. We paid every month faithfully and then the amount was back with Bank of America. We have been put on hold and transferred all over the place and told they do not give statements to you when you have become past due and then put in their recovery department. We want a statement to show that we have paid our amounts each month and to keep track of our balance. Thank you for your help in this matter. The last phone number we were given is - 1-866-352-1681. Please give me a contact number to talk to someone!