Bank of America Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Bank of America processed a credit for the disputed amount.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

So a few nights ago I went to a BoA ATM to deposit some cash into my account, while at the ATM I realized the reposting transaction was taking a little longer than normal. Next thing I noticed the ATM was saying out of service and then it started to reboot. I immediately called the number on the ATM to report an issue, waited on hold with no answer. During this time I was still at the ATM waiting for it to reboot so I could hopefully get my card back out. Sure enough after a 30min wait (actual time) it rebooted and no card. After being on hold for 40 minutes I got a rep. only to lie to me basically. She told me unfortunately I could not get my card back, I would have to go to a branch to request a new one. Well I work 8am to 8pm basically so my chances of that are impossible. I told her that, "Oh well we can mail you a card but that takes 3-5 business days."

I have been a loyal customer of Bank of America for many years. I have five separate accounts that vary from savings to a Preferred rewards Credit Card. Due to a layoff and divorce, last year was financially tough. I had a $5,000 credit limit on my BofA credit card and used it for a short time to live which ran the total up. Having gotten things straightened out, I was able to pay the balance off this month. At which point BofA decided to drop the credit limit to $1,500. REALLY? Being "punished" for paying off a card???

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 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.