Bank of America Online Banking Reviews

Online instructions for opening a checking account, for managing a credit card account and for obtaining reward funds from use of credit card are incomplete or misleading. Several separate telephone calls were required in order to complete each of these simple transactions. The agents are patient and friendly but hopelessly ill-informed and must check constantly with higher authority before proceeding to complete a straightforward customer request. I've wasted more time dealing with Bank of America and its self-serving policies than with any other bank with which I have done business in the past. I won't bore readers with additional details, instead, I'll simply close with a few words to those who are pondering the pluses and minuses of dealing with B of A: "DON'T SAY YOU HAVEN'T BEEN WARNED!".

I have multiple accounts, BOA, Schwab, 401k etc... I also have family I regularly send funds to. All of a sudden all my external accounts are gone and my option to transfer funds is not working. Accounts that I regularly use. Hours on hold. Hours getting no answer. On hold constantly. Can't even close my account because of a missing $3,000!!!! No one to explain where this money went. Transfer only has my name and no other details. No customer service to even answer the phone. On hold for half an hour after hours of useless online run around.

This bank is the worst in the world. I'm having several problems with my business account. When I deposit checks they hold my money for SEVERAL days. When I make a transfer through zelle they hold my transfer and do not transfer the money to the account. This is causing me a lot of problems. With this bank I just don't have free access to my own. Now I’m just trying to get a specialist on the phone and I’ve been transferred 4 times to 4 different people and no one can solve a SINGLE problem I'm having.

I made a purchase with a company called Rolling Cart for two planter boxes for a total of $97.80. The company never sent the items purchased and would not respond to emails. So I filed a dispute with Bank Of America which they gave me a temporary credit of $97.80. They then removed it on 26 April. They ruled in favor of the merchant by reason that I made the purchase which I did. However Bank of America does not provide the option of "Item not received" on their dispute page on their web site, If that option was available the ruling would have been in my favor and not the merchants.

I deposited a check few thousand dollar check from a customer made out to my business which is also my name as a dba. They flagged it as fraud, made my account -$888,888. Told me they opened an investigation and it could take a long time. Ultimately they called the issuing bank and customer got a call to verify. It wasn't that simple at first they needed to make a huge issue and put me through a nightmare. Just recently had a debit card transaction marked suspicious so they froze my account and I had to waste over an hour trying to reach a live person as that was all the only way it could be resolved. What a terrible experience dealing with this bank.

Spent over 1 hr. trying to access account. Hung up on when asked to speak to supervisor. Rude/sing song agent talking to me. Ordered debit card over 1 week ago and they have not sent card. Over 20 yrs with B of A, will be closing account soon as covid ends and they actually do customer service again. Ignorant untrained agents,

Hello my name is Mrs. **. I been with Bank of America over ten years off and on almost like boyfriend thing. My bank accounts were closed on July 23 of 2021 for unknown reason. They have blackball me and now my money in limbo I received my disability benefits cause they decided to close my accounts for me and my son. I'm very angry cause I did nothing wrong to have my account closed and it unfair to me and my son that we have no money cause of their decisions. I'm missing about 1254 dollars and I want your people out there to stay away from banks like this. They don't care for the customers unless it involves them making and taking money from but if you fight for your money these are the results of it.

The banking app for mobile is pretty easy to navigate except the removal of my keeping myself logged in the minute it see my face then it logs me back in. I am still trying to remove this but so far I haven't figured it out.

The website is very slow. Doesn't work properly. When you try to go back, It logs you out. It lets you save your log-in and password which is a bad thing. Log and open the computer and log into your banking.

I like this bank. It’s OK just where I get my child support from. It’s nice being nice for your phone. They are better than other banks. Stay secure and I have answer questions that need to be answer right away. They help with their customers and they’re really awesome people on

BoA's online banking service is overall top notch and very user friendly. Easy to navigate, very informative in terms of all the banking menus in one place and most of all very safe with multiple layers of login confirmations to make sure no unauthorized access happens. I feel safe using their service.

They have always been very helpful with any problems that we have had with our accounts and I would recommend them to anyone. We have been able to use them anywhere there is a Bank of America and they have always been very easy to use.

Banking with Bank of America has easy access to banking online. I have been banking with them ever since 1979 and still is. The reason why Bank of America is still in business is they have improved over the years, and you can rest assure that you will be too if you decide to bank with them. Now and forever.

I liked the experience with this bank very much. That they are really good and their treatment is fast and continuous support. You feel and you are dealing with them with confidence because at any time you will need them you will find them.

I made it to gold member status and the cashback card they offer is by far the best out there. When I do have an issue and call in my wait time is usually under two minutes and I'm speaking to someone in the US. They are responsive, professional and prompt.

Bank of America is not a very customer friendly institution. The interest rates are extremely unreasonable with numerous feed. The customer service was very uncordial and aggressive. We were so happy when we paid out and closed the account. Will never use them again.

Easy to use website and app. Feel comfortable about the extra measure of security of their site, when I attempt to sign into my account. I receive notices of unused perks. And the fees are clear. Rarely have to call customer support. I feel it is reliable.

Pretty good mobile application and easy to use. They also have pretty good stock trading bank which is easy to transfer between them and fee is waived when customer meets their tier requirements. Also, there are quite many branch offices so I can visit there whenever I need to say/get something from bank.

The online banking is good. But the local brick and mortar bank has slowww tellers who let long lines accumulate while the employees act impervious. There were more employees than customers. Two tellers who didn’t seem to notice the line getting longer and more restless. As they kept their heads down and dragged out the transactions exclusively with the same 2 customers. The rest of us, who were waiting, shifted, looked bewildered and ignored. Because we were. The other, non-tellers were also clueless to the facts. Doing God knows what. But intentionally leaving us to fend for ourselves. SHAME!!

Revert convenient, quick, confidential, accurate. Always at your fingertips. Can go go back to check your work/figures as often as you like and everything is neat and just as you left it! Most helpful to me is the convenience as well as the accuracy, so that I never have to worry if the figures are right and I don’t have to double and triple check them.

I always access my account, the application is very easy to use, make check deposits, transfers, everything is very practical, I also like the electronic assistant, because I only type a word, and she directs a link to the exact location, I really like it very much.

Lots of branches nationwide, easy to use online banking and bill pay. ATM’s issue bills other than 20’s. Many products to choose from, credit cards, mortgages etc. I highly recommend to my friends and family.

Excellent response time for online banking customer service group, when stranded in a foreign land.. Easy approach with excellent support snd service track, esp when needed on emergency when needed.

Last two visits terrible customer service. Only one clerk working. Long line. Not very friendly and didn't know my name. ATM was not working. Had to fill out my own slip. Told her I was going to close my account, and she didn't care.

I like that my card earns rewards points, which can be used to purchase gift cards. The app is pretty easy but it doesn't allow you to change scheduled payments which would be easier than cancelling and rescheduling. I also use the account for my car payments so it's convenient to take care of 2 bills under one account.

Simplicity of use. We have not experienced any issues with the site not being available. We have the mobile application installed on our phones making it easy to access from any location that has wireless internet available.

Bank of America is on the leading edge with their products and especially online banking. I have been a customer since the early 2000s. At that time their banks were strategically located and very convenient. Their tellers and personal bankers were very well trained and knowledgeable. Their investment departments were the same. However with the closing of the drive through lanes and also closing many of the brick and mortar facilities it now make it almost impossible to be a BOA Customer unless you live in a major metropolitan area. If it weren't for direct deposits, automatic deposits by phone, and their online banking it would be impossible for many people to remain a customer. The online banking is easy to use and the customer service provided for any issues is outstanding,.

Great locations are available and easily accessible to all communities....and friendly and helpful staff is a plus nowadays. Seriously today’s world is all about me. When I need a question or problem resolved, they get the job done with a friendly tone and kindness. Today, customer service is needed the most everywhere but here....Thank you!

I have been a member for 20 plus years, I got an Alaska Airlines cards for the air mileage program. The customer service isn't outstanding, they don't do anything above and beyond what can be expected. Interest rate is average, overall a very average company.

First & foremost it is easy to navigate. When you click on something, that is what comes up & leads you easily to your next step. It is very seldom down--don't know when they upgrade the system as I have never found it down! Help is always available and correct the problem. I have several banks & a credit union but Bank of America wins my vote--by a lot!

I do most all of my BOA banking online as it meets nearly all of my needs. Balance checking and bill paying are probably what I do most. I also assist my elderly mother with her banking. Because she's a BOA customer, I can use online banking to conduct her transactions and bill paying.

Very difficult to get a human when calling. One of my cards was hacked recently, this is the third time since October. One woman from BOA told me I should use my checks, to avoid these issues! Having my money put back in my account took much too long. There seems to be no answer as to why my card gets hacked!

In more than one instance, it took me hours (customer service), and in one case (calling a bank), two days to get someone on the phone. They need to hire more people at the bank, and at customer service to answer phones. If you like phone frustration, this is the bank for you.

I recently open an account through online checking account. I used it 3 days and set up all of my direct deposit with it. Suddenly I saw my account is disappeared from online access. Only showing credit card transaction. I called Bank of America and they suggest me to go to local branch. Went there and they said I have to make new checking account. Now all messed up all my pending transaction. I opened it for convenient and all make me crazy. I would say do not use bank of america online account open tab.

Please do not open up an account at Bank of America. I am a customer of 20 years. For the last 10 years my business accounts at Bank of America rolled over $ 750000. In business alone. I also have checking account. I have a status of platinum VIP. I started a new business and wanted to open up a new business accounts for a new company. The first account had to be closed due to mistake in a spelling. The second account was opened, yet I have no access to the money ($200000.00).

I attempted to update the account that I use for automatic payments on the Bank of America website. I received an unclear error message that indicated I should contact Bank of America to determine which accounts I could use as a "pay from" account. When I attempted to contact Bank of America via their website, I was sent in circles to the same support page and then back to the form I completed that gave me an error. Bank of America does not list a customer service email address on their website. I found this experience incredibly frustrating. You can expect poor user experience when using the Bank of America website.

Bank of America offers incentives such as $350 for opening an account, but they always seem to find a technicality to deny the incentive, meanwhile soaking you for fees for months on end until they finally admit that you don't qualify for the incentive. Went to USAA which has no fees, yet great service, without gimmicks.

Don't know what BofA is like for Non-Auto Deposit, but for me: Auto Pension Deposit into Checking ACCOUNT & 90,000 in Savings/Checking + Cash Rewards Credit Card makes me a Premium Member. BofA has been very Accommodating. I Bank via ONLINE. BofA goes Above & Beyond to NOTIFY if any Suspicious Use of Credit Card. They've notified me IMMEDIATELY 2-4 years ago. Told me they Cancelled charges & sent me a New Credit Card. Very good CUSTOMER Service. Ex: Recent SS/Medicare letter claimed I owed $5099. I knew likely impossible. I checked only e back to 2016. Was paid. Telephoned BofA Rep confirmed my Payments. Said they'd send me Hard copies.

I am not having good experiencia with this bank. I always have to wait data before my check are approved. I need my money to pay bills and I'm not getting my money on time. I just put a check in the bank and now I have to wait a week when my electric is about to be shut off and when I called they didn't put my mind at ease. I'm ready to close my account.

BOA allowed a crook steal my money. I opened a claim in 2 days. They came to a conclusion and said I approved these transactions. They alert me of fraud and then allowed it to pursue. They alert me 2 days after that. There was suspicious activity and allowed it.

FISERV, the vendor that handles billpay for Bank of America, is just a lousy organization. They have made several mistakes for me and have not owned up. Customer service identifies themselves as " Bank of America billpay," but they are really a vendor to BA. One time they issued a bank transfer instead of sending a check, and it went to the wrong company. More recently they printed out the wrong PO Box number on the check, and it was returned. Their system are very prone to errors. Otherwise Bank of America is ok. But they need to get a better billpay vendor.

I recently had an issue where two bills were paid on the 11th and then processed AGAIN on the 18th. The same bills. I immediately called the bank because it threw my account in negative (They were very large amounts. I was only expecting to pay ONCE this month, not twice.). I was told by "Sharon" that a stop payment was issued, and I would see the money by Saturday morning. I didn't.

I have always received excellent service from BofA. The representatives are knowledgeable, courteous, and totally helpful. I cannot think of an instant which I was dissatisfied with the service I have received from this institution.

And when conditions for no fee banking changes, the information is not easily accessed. Some associates are more helpful than others. To get to the associate you have to pass through mini automatic inputs.

I have banked online for over ten years with Bank of America online banking. I have rarely ever had a problem with them. If a problem occurs they address it immediately. They are proactive with contacting me when some discrepancy surfaces. My cons are that they offer little to no interest on savings accounts. They don't update my account daily but skip from Friday to Tuesday morning to see activities in my checking account.

I have no problems whatsoever using the online services. Find them fast accurate and self explanatory. Very easy to get assistance if ever required. Use it multiple times a week, hardly ever visit a bank anymore to do my banking, can do almost 100% online.

Banks offer very few options for depositors for customers to generate income from their money. Most don’t offer CDs, saving accounts paying very little and checking accounts paying nothing. Also, most have a number of unreasonable fees such as limited ATM withdrawals, charges for checks, overdraft protection even though it's not used. There are charges for having a saving account and not adding or make a withdrawal within a period of time.

BoA has convenient locations in area where we live and areas where we travel. Their online bill pay and online deposit is easy to use and usually accurate. But, their rewards credit cards are hard to understand how they apply credits when redeeming.

All things considered BOA is just an OK online banking option. There is a learning curve involved in using the features to your advantage. This application shows a payment due when it is actually due in about a month from the date the first notice appears. To get rid of this always appearing make the minimum payment as soon as it appears. Also at times they are slow to pay the bills that you schedule online.

In so many ways if it more convenient to bank online, but it is also a concern that the online banking is safe and the possibility of accounts being hacked. I would like to be able to feel that online banking is more secure. I do appreciate that my bank has a very good fraud policy and that they will reimburse me for any fraud that occurs on my account.

We have banked with Bank of America for about 50 years. When they started using online banking for deposits and bill pay we were the first to sign up. It has saved us countless hours of time. A trip to the bank takes at least an hour including cost of transportation, online takes less than 2 minutes.

Whenever I call them, they always call answer/resolve my problem. They are pleasant and courteous no matter the issue/transaction might be. They are also very knowledgeable and if they aren’t sure they always ask for help. 100% best bank I have ever dealt with.

I have a Bank of America (BofA) credit card, and I often go online to check my account for charges. Unfortunately, I have unauthorized charges on my card kind of regularly. BofA sometimes leaves me wanting in handling unauthorized charges on my account. There have been times that they've seemed to doubt that the charges were truly unauthorized. Unfortunately, I have many valid charges on this card (unfortunate bec I spend far too much money), and I've felt the need to point that out to BofA's fraud dept, & add that if I was gonna be dishonest about the charges, I would've chosen far more expensive charges. A couple of months ago there was an unauthorized $53 Edible Arrangements charge, many times there were multiple unauthorized Chick-Fil-a & PlayStation charges.

Poor customer service. They make many mistakes. They do not own up to them. Their fees are outrageously high. They do not care about their customers. They are not at all accommodating. They do not put forth at effort to maintain your business.

Bank services are good but, not great as they do not offer personal loans. Their services could do more to reflect the neighborhood wherein where they're located.

I am very disappointed with the way I have been treated by Bank of America, I opened this account in 1993, never thought I would be treated in this manner, Biased and Disrespectful, Bank of America, engaging in disreputable conduct, violating my trust, and privacy.

I've banked with Bank of America for 50 years, from Brick & Mortar to Online. I have not spent anytime in a Brick Bank of America for years. Everything is conveniently available ONLINE. I can much more easily keep "Watch" over my Accounts if there was any "Irregular Activity." I really like their newer BofA Visa CASH REWARDS CREDIT CARD. 3% back for all my ONLINE SHOPPING. 1% for regular in person Purchases.

My identify was stolen and when I filed claims Bank of America refused to pay them. Then they threatened that they would close my account if I continued filing claims. Although my checking account kept getting hacked and I continued losing money, there was nothing I could do about it.

Very easy to work. If I have any issues there is always a rep that I can reach out to. There is easy access to branches and atm's. I have been with this company for over 30 years and I am very satisfied with the service.

Bank of America offers a full line of online services. I have a checking, savings, and 2 credit cards that I can easily monitor. I received email and text notifications of charges above a threshold I established. Additionally, I receive notifications of any charges made online or by phone.

I have been very satisfied with the accuracy in how my account is handled. I have had to visit the local branch physically several times for disputed debits to my account, but they were always settled in my favor. Account reps are very professional, polite, knowledgeable, and helpful. This is a big contrast to Wells Fargo, where I had a previous account. Their inefficiency and ignorance cost me money and much wasted time. I actually had an account rep ask me, "What is Paypal?"

Excellent Service coupled with customer oriented approach and will to resolve the customer problems at any cost by providing the best possible solutions. Never encountered a representative who is NOT willing to help but only to get out of way.

My experience with the customer reps is good. They could do better with acct plans. That sums it all up in a nutshell. That's practically all the experience that I have with them at this time. If I decide to look into other areas of what services they may offer, then I'll have a better view then.

Customer service is amazing - when a new branch manager started working there, she called all of the local customers to find out if there were any banking or investment questions she could answer for them.

Bank of America offers an online service that is very easy to use and access 24 hours a day/7 days a week. The ability to send and receive money is available as well as to transfer between accounts. I find the service level generally flawless.

I've been with Bank of America 15 + years. And I have finally just had a enough. This last year they have been atrocious. Their customer service department is an absolute joke. I deposited a check from my mobile banking app on July 7th 2019. Checked my bank a few hours later and it said the check would be released on the 8th of July. All of a sudden there was a hold on my check until July 17th. I was told two separate things by two different customer service representatives. Also, that there was no way that they could stop the processing of the check and I deposited via mobile banking. Apparently, if I hadn't deposited at an ATM it would have been available.

They illegally removed funds from my account because someone with the same name in San Diego had a traffic ticket. When you are on Social Security or VA disability it is against the law to attach funds unless the account balance is over $6,000 dollars but they just cared about stealing their $125 fee for breaking the law. Never do business with these people. They steal from their customers and I never got my money back from them for that "fee" which was almost 15% of what I was getting to live on each month. I moved my money to the local credit union and they didn't rip me off when the state tried to do it again before I could get the matter fixed. Since I finally got on VA disability I still bank with the credit union but also at Ally where I get a much better interest rate as well with NO FEES from either bank!

They never corrected problems after multiple calls. I opened another acct and must get checks sent to another bank because they cannot do a simple job. They made a savings into a checking with same number as my real checking with an extra zero... Well they take bill pay and pay out of both. They had three accounts set up and was taking $8 month out of an account I never ended up opening, no check or debit card.

On March 2, 2019, I tried to send $2500 to my mother, who is also a Bank of America customer, using the Bank of America App. I typed in her full name and mobile phone number that she's been using for decades in the integrated Zelle money transfer system and hit "send." My mother told me she didn't get it, and my first thought was that my mom, wasn't being very tech savvy. Eventually, after a couple of days, I realized it really didn't get to her account.

Their app will not remember password. I have over a hundred apps and a hundred webpage passwords. You can't expect people to remember all of them. Why is Bank of America think they're so special? Help desk was no help at all. They knew nothing about the mobile app.

I purchased a car last year and it went through BOA; Long story short, I had some financial hiccups that happened that made me fall behind on my car payments. I bought a 2017 Honda Civic for around 23,000. I called in to see how to catch things up and was directed to keep making payment weekly to get back on track. I started bringing in payments to a branch every week and later wanted to pay a full payment to really get caught up; well I call in one day and ask to make a 400 dollar payment over the phone and the lady said, "Ok..." and then she says, "Uh hold on." She later comes back on the line and tells me my car is scheduled for a repossession. Wow really, so why was I making all of these payments if my car was being repossessed.

I made a payment on my account 2 weeks before my bill was due. On my due date they took out the full statement balance, including my first payment, even though my preferences are to take out the amount due. When I called BOA, I was on hold for 40 minutes before someone answered. The woman from Atlanta who answered had the biggest attitude, telling me I should try calling the companies that I made payments to. She had no idea what I was asking. When I asked to speak to a manager, she went silent for 5 minutes, without even responding to say "ok". After the 20th time I said "hello?" she finally said "I'm transferring you", I then had silence on the phone for another 10 minutes before music began playing signifying that I was on hold.

After having a transaction flagged (a transfer of funds from my account to my daughter's account to pay her rent) the transaction was deemed fraudulent. When I contacted both online banking and the fraud department I was informed I was not who I claimed to be and that the transaction was fraudulent. The bank then put my account on hold and informed me that I would need to present two forms of government ID to have my account reinstated. The rudeness of Aisha and her supervisor Marcus was incomprehensible. The only fraud way B of A treating their clients this way. When I do go to the bank it will only be to close my account.

I've been on hold for over 30 minutes now. Their callback service has some sort of internal error and their ads have already annoyed me. So here I am, still waiting and writing a bad review just because I can't focus on any other tasks while I am on hold. Holding. Holding. Holding...

Recently BoA made changes to their mobile App, which was working fine before the changes. My complaints: 1 - Under bill pay, instead of using the account name they are using the nickname. I suppose someone thought that this was cute - but it's not! 2 - When using the bill module to pay a bill, you no longer have access to the calendar. So if your payment falls on a nonbanking day, the app is useless as you cannot change the date.

I made a one-time payment to Bank of America, and they processed a subsequent charge without my permission. This resulted in insufficient funds charge plus additional charges on their end. Then when I tried to call to speak with a representative, the recording never transferred me to anyone, just kept me on hold. That money was essentially stolen, since I never gave permission for them to access that account again. I should be refunded any charges incurred by this fraud.

PLEASE avoid this bank if possible!!! Awful customer service. Waiting time more than 45 minutes! Very very bad online access. Falsely advertised "EASY access online"- just disaster! Everything done to get more inconvenient and customer NON-FRIENDLY! HUGE disappointment...

I created a BofA account online on 12/4/18, and received notification via email that I was approved that same day. On 12/5/18 they emailed me to say my debit card had been mailed and would arrive soon. Then today, 12/13/18, I received a letter dated 12/6/18 saying the account had been closed. Here's some of what the letter said: "We've made the decision to close your deposit account ending in **. You no longer have access to online banking services. Our decision to close your account is final and you won't be able to open a checking or savings account with us in the future." There was no explanation given in the letter, and it doesn't make sense that they would approve me and issue a debit card but then close my account two days later before I have ever even used my account.

I am a "valued customer" with BoA since 25 years doing business from overseas mostly. Whenever trying to get access to my account online I have to try for hours if not days to get thru as regularly I get a screen just saying: "This site doesn't work" or else of the same content whatever I try. Alternatively, when trying to get thru on phone, their 1-800 phone number doesn`t help either from overseas, you ordinarily spend at least 20 minutes waiting until eventually connected, answering the same "security" questions at least 3 times, and finally get nowhere with this and paying some 10-20 $ for this phone call! To me this is actually the worst bank I´ve ever been with: They do excel in inefficiency and are WORLD CHAMPIONS in pissing off their "valued " customers! Besides, they heightened their fees considerably during the past years for NO additional value to customers in return.

Between the wife and myself we have 3 Bank of America accounts. Soon it will be zero. Our experience was with paying a credit card bill online. Our bill was due on a Sunday and we were at a funeral. I paid the bill Monday morning online. Eight hours after it was due. We opened our statement to a 28.50 late fee. When I called to complain I was told by a service representative there was nothing she could do. I requested her supervisor or manager. 20 minutes later on hold the person picked up the call. I repeated the situation to the supervisor who promptly told me, "We do not give back fees!" Our credit rating is in the top 5%, our spending on their credit cards provides the bank way more in fees and interest for their pockets than this late fee. Not anymore! Our cards are being paid off and accounts closed. The arrogant attitude of their customer service center was enough for we to cancel all business with this bank. Goodbye!

What happened? How Bank of America didn't protect my money or secure my bank account. Apparently I was spam bombed with a few thousand emails. This started on Oct 9th and has continued to present. I did research and discovered that spam bombing is used to cover up financial attacks so on Oct 18th I changed all my passwords to all my accounts. However little did I realize that earlier someone had according to Bank of America logged into a: "trusted device" and transferred $ 7580.00 to a Sedrick **. Never heard of this person. Somehow the hackers managed to change my bank profile settings and enroll their telephone and sign up for safe pass which allows someone to transfer more than $ 5000.00. At no time did I ever get a warning or a text from BofA.

It's confusing to set up a recurring payment plan on BOA's website. You'll have to go into e-Bills instead of "Recurring Payment". The confusion caused me a late fee. What's worse is that BOA would refuse to work with customers in that situation. When I shared my frustration, the agent and the manager claimed that their website has received multiple awards therefore my experience is just one isolated case. I ended up closing the account, and they were happy to assist you with that without much resistance. I feel they did not appreciate the feedback of the customers.

I made a transfer from the Bank of America website. It was an external transfer from US Bank to my checking account in Bank of America. BOFA withdrew $1000 from my US Bank account but never deposited in my BOFA account. It has been 3 weeks already with no resolution and every time that I call them, is like I never called before. There is no other word for this, they stole my money.

I was having funds transfer from BofA to my BofA account via Zelle Pay. The money was sent to a closed account at US Bank in June. This was rent that was being paid to me. I have been going back and forth with BofA, Zelle Pay and US Bank. BofA tells me, "Too bad. Zelle Pay is 3rd party and read the small print." Zelle Pay will not respond to anything I send them. BofA forces you to use Zelle Pay yet they don't back it. I had to file a complaint with Consumer Financial Protection. They closed my complaint with BofA because BofA says they are not responsible for Zelle Pay. I got a answer from US Bank on my complaint. US Bank said the funds was sent back to BofA the day after they received the funds stating account was closed.

I opened my online banking account with Bank of America online banking about a week ago. I got a cash advance deposited in to my account of $200.00. Once I got a email saying my bank debit card is in the mail so I figured everything was good. I linked my account to a few bills I had to pay. So after it left me with a balance of $80.00 dollars. When I received my bank card I call to activate it and it was not allowing me to activate the card. I called customer service and they told me my account was closed yesterday because I did not give them proof of my identity and I told them I never got a email or a call saying I had to show proof of identification. How was I to know that this was needed. I would not of had a problem showing proof of my identity but how am I to know these things if they dont tell me. I thought everything was good. They accepted my loan I got from a cash advance. They accepted the money without proof of identity.

BoA gave $1000 out of my personal checking/debit account to another customer on June 13 2018. Today is September 6 2018, I tried to stop the transaction when pending being told it was a check. I went to the police and told to get copy of check. I went back to branch by bank. It will take a week. Never heard from bank so I went back. Now told it was a debit card, made to believe that it was my personal card which I knew it wasn't. Went back to police and told it is now a debit transaction and told to find out if it was my personal debit used. I Went to bank. Told the debit card use didn't match the account withdrawal from. Then told by police the teller made an error and I have to pursue BoA.

Recently Bank of America decided to send 5 of my BillPay payments early on Thursday night, rather than on the 1st of the month which is when I have them set up to go out. My deposits come on the first to offset these bills. The money came on the day expected but since the bank decided to send out the bills 2 nights earlier as the 1st was Saturday they overdrew the account. When these bills, that were not supposed to leave my account early, posted on Friday the funds had not yet been posted so they charged a fee of $35 each. Why does the bank have a policy of sending payments before the customer wants them out as if the customers are idiots not to be trusted in deciding when they wish their money to leave the bank? These fees caused a domino effect overdrawing the account and the bank refuses to reverse them.

Worse online banking of all. Every time I login, it prompts me to change the password, despite entering correct one. This exposes me to scams of all sort, since I have to provide them with all my info over and over again. Then have them send the code to re-set. And they are completely helpless. Customer service not able not only to fix it, but even explain what the problem is. Every time the same story.

I was given the wrong routing number. Once I was given the correct routing number the transactions went through.

I was a loyal customer for BOA and their mobile application really sucks. I didn’t found a way to setup auto payment or set payment reminders. I would have wasted my time to do research on their stupid mobile application. This has incurred late payment couple of times and I made payment next date after due date. Customer care really don’t care about their customers and they said we cannot waive off. I terminated my account immediately. Even they did not increase my credit limit for being loyal. After terminating I immediately applied in Citibank and I got very high credit line. I will not recommend BoA bank to anyone.

We bought a house in September and at that time I scheduled the mortgage payment of $1,857.980 to go directly at the end of each month (I scheduled it to go out the 29th, and indefinitely “until I stop it”). It was due the first, with about a week grace period. Everything went along swimmingly until I got a call the end of June from the mortgage company. They were telling me they didn’t get the June payment. I owed $47.02 in late fees. I checked, and sure enough, the check didn’t go out. My husband went to the bank and they told him I had logged in and changed it. NO I DIDN’T. In fact, when I went on to see what had happened I couldn’t even FIND where to go change or edit anything. They’ve made it so much more complicated.

Every few months I get an email stating that my debit card "may have" been compromised by an "UNDISCLOSED VENDOR". BULL!!! If chip technology is so secure, and I only use the chip and if a vendor doesn't have chip, I pay cash, then why am I still getting this - and why doesn't Bank of America contact their clients directly, prior to doing this to actually determine if it was compromised and by which vendor. Do you know what a pain in the ** it is to change out my card number with all my online payments - this is beyond ridiculous. I want to know what banking institution this doesn't happen with on a regular basis.

I have only had this new BofA card (Alaskan Airlines) for a few months. I rely on my notifications to pay cards during the month. On this particular card and most, I pay much more than minimum and even will make more than one payment per month. I paid the end of March for my April payment via app. I then did not get a notification until May saying it’s delinquent and my credit line is lowered. Long story short I didn’t get a notice of due (my problem to keep track I know) and then the early payment for April didn’t count as April, but rather a March payment. So bam... 131 point drop of Equifax score. I have been on time and monitor credit closely. Years of on time payments to get my credit up and this is going to screw me. I called BofA and they do not care. Thanks a lot perfect people.

On Saturday 5/5/18 ~9 pm EST: I went online to view my account balances: 1 personal joint; 1 business checking. The business checking showed a balance of $6.14, no pending debits of any sort. I transferred in $171.97 from personal checking to business checking (to serve as origination account for an inter-bank transfer, for a credit card payment). On the following Monday 5/7/18, when Bank of America reconciles weekend transactions, there was an additional account maintenance fee of $14, which was dated 5/1/18, but did not show when I logged on the evening of 5/5/18 as assessed or pending, which would have made the account negative <$7.86> if it had posted as subsequently dated.

B of A had THE best program for Bill Paying. I recommended them to my clients and friends and it's the main reason I kept banking with them. So naturally their programmers had to justify their pay and totally screw it up. Now I cannot do the simplest action without wasting 10 or 20 minutes trying to find when anything might be. And I have a super high IQ, a Master degree and a lot of experience with computers and accounting. Went from the best to the worst. Ever heard of "If it ain't broke don't fix it"?

Came as quite a shock that BOA froze our account. Unable to pay bills, process checks, take out cash that is legally ours. We have over $100K in checking and deposit and they put a freeze on us. Something about our Mother-in-law who was on the account many years ago had to contact the bank. She is 80 years of age and in poor health and did not know what she was calling about. I could not tell her either as the bank would not tell me. She called as per instructions and they said they could not do anything with her on the phone and told her to go to a local branch.

I has been an e-banking customer for over six years. Bank of America recently changed their e-banking accounts to Core Banking. A notice of this change was included statement and an email was sent out after this change is in effect. I discovered the $12 monthly charge after I signed in three months after the change. As a e-banking customer, I usually only read the statement when I've some deposit or withdraw during the previous month.

When BoA adjusts a deposit, it would be nice to see the details of the deposit (the checks, in particular, to determine WHAT was overstated, understated or missed, altogether). Why is it that the deposits they adjust say "Images of your deposit slip and checks are not currently available for this deposit. If you have questions, please contact customer service" instead of showing the information. If a deposit is incorrect, that's when I absolutely need to see the data. Idiots at BoA are... well... IDIOTS.

Bank of America used to be fairly decent for a huge, impersonal organization. Decent products; okay service. I was happy. Recently, Bank of America added something called Erica to its mobile app. Erica is immortal. There is no way to get her off of your screen. I spent two hours trying to get rid of this, and couldn't. I finally got through to customer service and was told that I'd just wasted all of that time, and that Erica was going to bother me forever. "Just drag her to another part of the screen when she gets in the way." Why must I do that? I will never use this. I can wipe away dirt and bacteria, but nothing can rid me of this splotch on my screen. It hogs real estate for no purpose other than to annoy me. I think the only option is to not upgrade, ever, or use another banking institution.

Transfer money & bill pay: This my money, I give to BOA for them earn money on all the interest etc. How dare they threaten to charge me! Guess they do not believe in Customer Care! Next I want to pay my bills and that file has changed. Now bland! No definitions! One looks like the other. There has been a while where I considered leaving. Even if I do they will not care! They only want money.

Is anyone else having this problem??? I have a small business that accepts payments through PayPal. Every night, my balance is swept from PayPal to my BofA account. Normally, deposits flow in like clockwork and appear in my bank account overnight, but from time to time, they just don't. My one-day turnaround can turn into 3 or 5 or 7. I don't normally keep a very large balance in this account because it is strictly for paying business expenses. So if a deposit doesn't hit the bank account and a bill gets paid, I overdraft and get charged a $35.00 fee. Last week this happened, but I never received my overdraft notice until 3 DAYS LATER!! They refunded me the $35 charge, and - as always - blamed it on PayPal. PayPal blames it on BofA because they provide me with a transfer transaction ID number and record of the transfer as soon as it is processed.

Bank of America screws up my account every month. It is easier to get someone at the White House than to get a live BOA representative in the phone. Everyone in my family is locked out of their on-line account. I understand security, but this is ridiculous. I am moving all of my accounts to another bank.

I used the mobile app several times to dep my paycheck and this last time they had said that it was fraud check and could not be read. If I had not contacted them I would have never know this. They were sending me a damn letter of all things and I call my employer and they are pissed. It is not a fraud check. So I am sitting here no Bank of America within a 2 hours of me and no gas to get me there because the mobile app is screwed up so bad that it could not read my check. Monday morning going to a different bank. Bank of America can go to hell.

I was calling to close my BOA Amtrak card a few weeks back and was offered to switch to BOA Cash Back card with the same acct number. So that's good... However, I did not finish the conversion on that call but called again today - the agent who received the call today said she has no idea that can be done at all. So hilarious and so poor a training quality of BOA customer service. No wonder why I am seeing so many 1 star reviews.

Let me first say that the customer service representatives I have spoken to at Bank of America were all friendly and willing to help. That is the reason I gave this bank one star. Their wacky billing practices are the reason I can give them no more. I started using a cash rewards card a little over a year ago, and I have had nothing but problems with it. My intent was to use it for my monthly purchases in order to get the cash rewards then to pay off the entire balance every month so no interest would accrue. I can only conclude that Bank of America does NOT want anyone to avoid interest charges. I think they must COUNT ON interest charges because they made it practically impossible for me to manage my card payments. I noticed right away that there was no option to pay the entire balance when setting up an automatic payment. I called and was told I had to request that kind of payment by direct mail with a special form.

My daughter deposit a check on mobile. She only 19 first time. They told her, her check would not clear after 15 days or so. She needed money to go to work and light bill was due that day. They said it was nothing they could do about the money being released early. So she asked what if showcased it. They said they charged her a 12 dollar fee because they would return check back. This did not happening checkered it. She called about 5 times in they said they would take it off in 3 to 5 business days and return the money. Then she called back because the money was still there. Then she was told they should never told her that and they don't return money back in go to the place she cash it and give them the money back. I tell them it was Bank of America fault. What kind of business is this. I feel it’s a set up.

I was open account online was they approve, I was got few debit card in the mail, I was trying activated. The screen say account is canceled, I was called to BOA. Vanessa who have a Indi accent told me, "We refuse anyone" if we want close account without notice. Feeling like I am garbage or not welcome to this bank, she never told me why or any eloquent, professional or lie excuse. DON'T OPEN business, close your business with this bank.

So when I started a bank account with this bank on March I was having great experience. The people were nice and helpful. But the online banking been pissing me off lately. So I needed food at my house and had 24.68 in my checking. I had spent 25 thinking I could transfer the .22 from my saving to checking. It was 6:00 pm and for some damn reason it kept putting it that I couldn't transfer money till tomorrow. They did this on Veterans' Day as well but I let it go figuring it wasn't working for the holiday. So I had .30 in a schedule for it to transfer in the morning. However when I checked my account this morning they took out 12.00 out my savings from overdraft protection, and it says that it happened yesterday. I kept checking my account waiting for some money from eBay for refund and I didn't even see a overdraft protection on that day. Lately transferring money has been garbage. I really need to change banks.

I opened an account online with B of A and apparently was approved because I received a debit card, later a pin number and checks. I deposited a check from my current bank and waited a sufficient amount of time for it to post. I then went to the B of A ATM to change the pin number and make a withdrawal, but was denied. I decided to wait another day or two thinking more time was needed for the check to clear. Two days later, I receive a letter from B of A citing suspicious activity with the account and it instructed me to call their CSR to clear it up.

I wish I could give a negative review to fully capture my frustration with this utterly ** bank. Eight days ago, I had a check sent to my parent's house as I was in the process of moving. He cashed it in person. For this BoA charged me $8.95 for a monthly maintenance fee. I thought this was cynical, underhanded and adversarial, but, in fairness, I agreed to them being stingy ** and never using teller banking, so technically they could charge me. That is the most generous thing I can say about them. What follows was a ** show.

I have been a BofA customer for more than 40 yrs. and have a credit score over 800. I have discovered that BofA seems to have a predatory program associated with their online software that locks people out of their accounts just before a payment due date. This has happened to me frequently in the past if I established a pattern of paying online by transfer from another bank.

Bank of America continues to commit fraud in my eyes by charging over draft fees when there shouldn't be. In my case, I checked my account at 11:59 pm and then again at 12:01 am. The lady in the office told me the check came in on the 30th, the woman on phone said it posted after midnight on the 31, but came in on the 30, so I was charged a $35 NSF. This is fraud in my eyes. They never showed a post on the 30th for a check until the 31st after they charged their fee. The alert that I am supposed to get to warn in time, so I don't get a fee I got on the 31st at 1:44 pm. Did they refund the fee? Heck no.

I will try to keep this as brief as possible. Upfront, I want to explain a bit about me. I have always had very good credit. I also always pay more than twice the minimum payment every month on my credit cards. My BoA credit card is no different. This month, however, we have been abnormally strained financially. First and foremost, my husband and I recently bought our first house. I have also started a new business venture which, while requiring some start up money, is slowly starting to pay off. And, most recently, I had to be out of town for a week. My entire family gathered in St. Augustine to attend a funeral in honor of my late grandmother and, seeing as we were all there already, we collectively decided to indulged in an overdue reunion on the beach.

I am totally fed up with Bank of America and how they completely rip people off and how customers are tired of getting money taken out of their accounts. Bank of America has the online and mobile banking. Now as a customer you would think that since they have two ways to check your account they both would be accurate with each other. Well, no. This is one of the way Bank of America justifies stealing our money. You see, I was in the positive until Bank of America did the little shuffle that they do and moved things around to say I was over this way. They could charge me 35.00 twice. Well of course, now I'm over yet they charged me for thing that are still processing which that's not legal dice.

I will try and keep this short and to the point. I want to start by stating that I am in the hospital, been here 2 weeks and will be here for another month. So yesterday I made the mistake of depositing my check via mobile app. Now before I did this I called and asked if and how much of my funds would be available. I was told all of it. Now I can't leave this room. I'm confined here, so I check my account and no money is made available. So in the fine print it says a deposit has been made but that part of it will be held. Ok whatever I could live with that. So I call to make sure and the two says that after midnight my money or part of it will be made available.

I was a client of Bank of America from 1980 to 1989 then switched to Wells Fargo and banked with them until 2000, then returned to B of A, a big mistake — both banks! For several years I have had this online banking problem when they do not accept a password I created a week or less ago (their orders) then tell me to create a new password. They don't accept it and "do not (even) recognize" me. My wife and I live in Mexico. (She is from here and I am a US citizen, not Mexican heritage, rather Celtic-Anglo. Perhaps that might help?)

I have been a Bank of America customer for 12 years. Recently, I refinanced my car loan through bank of America. I made several payments online; however they never went through even though I had confirmation numbers. When I called them on this, I filed a claim which will take 45 days. In the meantime my loan payment is in arrears thus negatively affecting my credit score. I refuse to pay another cent to this loan because it is their error. I guess the car will be repossessed thus hurting my credit further. Is there any recourse for consumers to use in these cases??? It appears the bank is always right???

Used transfer on mobile app to anther BofA customer. Money did not go to sender even though all info correct. Call bank and they put on hamster transfer wheel. Poor customer service and no person to follow through to resolution. Planning to close most account with bank soon. ** and con artist.

On Mon April 17 2017, Bank of America repossessed my car without notification of intent because their recurrent online payment failed to process my recurrent scheduled payment. On Jan 2017 Bank of America recurrent payment system failed to deduct payments from my debit account to my auto loan account. Despite of sufficient funds in my debit account, the payments were not being processed due to a system failure on their end. Bank of America failed to notify me their system was no longer working and payments were not being processed. After 3 months of failed recurrent payments, Bank of America repossessed my car without any letter of intent or notification. No letter or email was sent regarding failed payments and no letter was sent regarding intent to repo the car, I believe the bank is engaging in unlawful and highly unethical activities against consumers to collect higher fees.

I do online banking with B of A and have been a customer since 1974. I'm retired here in Vietnam and all my retirement checks are electronically deposited into my account each month. Once a month I use my debit card to do a check card purchase at the State bank here and withdraw the funds. B of A charges me 3% as does the State Bank total of 6%. However the processing time can take up to 6 or 7 days for the transaction to clear. Normally after the 4th day the transaction drops off my online account and the funds are returned and posted as available. Then a few days later it shows back up again as cleared.

Just got off the phone after being transferred 3X's trying to change the email address for my account, trying to switch the primary and secondary addresses I had listed not a new one. The website will not allow you to do this and it's a jungle getting to the correct party to do it, if there is one that does it? I'm very disappointed in the security of this bank, and will likely need to change the home mortgage to Chase, which gives a lot better service than B of A. Sorry Bank of America, I've been with you for many, many years now, and don't really want to go thru this hassle.

Our bank account was hacked - although the fraud department was very fast at refunding the money. My mortgage payment was rejected - they charged me a NSF fee. So I went a scheduled another payment to the mortgage payment - Bank of America processed the original a second time several days later - over drawing my account. They will not refund the money - and refuse let me dispute the charge through them. They won't even file a claim or open a dispute for duplicate transaction of any kind. Leaving my account at zero dollars... They won't even let me speak with a supervisor. I've spoken with 6 people in 4 departments for the last 2 hours. Feels like I'm hitting my head against a brick wall. Shameful that they won't help me. Why would I trust them with my money ever again? Every representative has a different suggestion and story - none of whom will actually offer to help. I hope someone reads this and decides to help.

Why can't Bank of America get up-to-date like every other credit card company, in terms of making an online bill payment? They make their customers go through the arduous process of obtaining letters from your bank and mailing them to BOA in order to "set-up" your bank info in their system. TWICE I obtained letters from my bank and mailed them to BOA. TWICE I received my information back in the mail stating that my bank letter was insufficient verification and needed additional letter(s) from my bank??? What is it with the extra measures? I never needed to do this for another credit card company. Oh wait, yes maybe I did like 2 decades ago! BOA please get your system updated to suit the modern times.

On 11/5/2016, I paid my credit card online $47.07. My checking account (TD bank) was debited $4,707 on 11/7, caused a $35 over-draft fee. This was not my mistake since I never entered the actual amount ($47.07). I simply clicked "Last Statement Balance" & paid in full. They issued $4,707 credit on 11/8, but charged again on 11/10, causing another over-draft.

Their product, web UI and app are simply the worst among all finance service I have ever used. I have very bad experience interacting with their customer support on phone as well. Very long wait and no conclusive result after the conversation. It was painful to set up recurring payment. The UI design is confusing and error prone. There was another incident that made me decide to leave them forever. (I am not going to close my account with them but I will not use their card and service, nor keep any of my assets with them).

Sent an online check to another bank, but it was sent to the wrong person/entity. That entity cashed the check. They called BofA and informed them of the mistake, I received an online message to call the wrong/entity. They were willing to write us a check. But then their bank said go thru normal process (whatever that is)? So we are out the money, and the loan is not getting paid. I called the bank where the loan is, which coincidentally is the other entity's bank. The bank said it was all OK.

I've been with BofA for nearly 10 years. My experience with them was mostly good for the first couple of years. After that, it was all downhill. My credit report is spotless and my FICO reflects that. But BofA has consistently raised my credit card APR regardless of my ability to handle my debt. (Of course that means I'm going to transfer the balance somewhere else.) But, in addition to the rate hikes, they find ways to charge me fees on my accounts.

I used Bank of America's Bill Pay Center. (2) of my payers began processing 5 days before the date I specified. And payment was not sent to creditor until 3 days 2 days after specified. I signed up to have Bank of America NOT pay if the funds were not in my account. After speaking with them, they THEN informed me that rule is ONLY for day to day usage on my debit card. And any authorized payments through the payment center or the re-payment center. Any payments returned will be charged a $35.00 fee. If I decide to have them pay it anyway, I get charged a $35.00 fee. There is nowhere on the site that explains this disclaimer. There was nowhere on paper or mailed correspondence that explained all payments made from the payment center was processed through the bank by generating a check and mailing that off to a merchant. This also caused lateness on my payment.

I called bank of my CD was about to mature in a few days and they would not provide me with a manual check because they are a virtual bank. I have other accts with Ally and other internet banks and they are able to provide manual checks and do not understand why they cannot provide the service. Anyhow, I called to request a check and advise I was not going to renew CD - gave me a hard time to get my money and was forced to give them an acct number to do the transfer which is not what I wanted... since they had trouble doing the wire transfer they renewed my CD.

The absolute worst experience ever! I have waited for 7 days now for BOA to clear a wire that was sent by the sending bank on day 1 (Friday). A federal wire confirmation number was issued on day 1 (Friday). BOA received the funds on day 1 (Friday). BOA chose to hold on to these funds all of Friday and all of Monday without clearing it in my account. Then on Tuesday, they decided to request information from the sending bank. The sending bank sent the information within 2 hours. Now, 7 days later at 5pm on Thursday, BOA still has not cleared the funds. The BOA wire desk says "there is NO TIME LIMIT on the review, and it can take 10 years" for all they care. They can hold on to consumers' funds without any accountability.

Went to the nearest bank which happened to be a Bank of America to pull out money at ATM. ATM takes my NON Bank Of America card with no warning, no kickback, nothing and does not return card... Bank manager is less than sympathetic... Customer service can neither explain why or offer any recourse.

I submitted an application online for a Bank of America credit card 2015. I went to inquire online if application was pending. No results were found. Reviewed my credit report and there were 5 inquiries from Bank of America. Needless to say I was very unhappy with that. A escalation rep from Bank of America called and stated I would have to provide dates which I told rep a the times of the inquiries. She then repeated her statement. It's not fair that a customer should have to do a rep job. I'm frustrated with Bank of America and that bank is also charging outrageous finance charges one month 1.50 next month 10 times. Still not resolved. No explanation from Bank of America.

I have been a customer of Bank of America for almost ten years. I have been using bill pay for the last three years. I get paid on the 1st of each month and my bills are scheduled for the 3rd (to avoid any potential problems, or so I thought!). This month, New Year's Day fell on a Friday so the next business day was not until the fourth. Bank of America took it upon themselves to pay my bills on the 31st and, even though my paycheck also came in on the 31st, they chose to pay my bills, charge my account $105.00 in overdraft fees, and not officially deposit my check until the 4th. When I called about this I was told that it is in their policy to pay the bills, if they fall on a non-business day, the business day preceding that date.

I transferred what I thought was 30.00 from my checking (15 year customer) to my credit card and by accident all of my money... 3000 went to the credit card. It took one second... It was a simple mistake or so I thought. They will not give me my money back for 10 days. It is all the money I have. All my checks I wrote will bounce. How could Bank of America do this to a 15 year customer? There is no loyalty. They want the interest. I begged and pleaded but they said "it was policy, we hold your money". Please rethink getting an account with Bank of America and especially their credit card. They do not bank like humans and they do not care about people.

I have been a customer of Bank of America for over five years. I received emails informing me that 200$ and 250$ had been withdrawn from my account and I was now using overdraft protection. Unsure where these charges came from, I tried to log into online banking, but received the error message "your account is not available at this time". Mobile app doesn't work either. I tried calling the number listed on the error page, but have been on hold for over an hour and nothing has happened.

I opened a bank account and included my daughter on the account. I live in Wisconsin, She lives in Lawrenceville GA. She also is on an account with her daughter, (thus my granddaughter.) My granddaughters account had a fraudulent charge on it, someone stole her debit card, DL, and other papers. The fraudulent activities and charges created a huge overdraft on that account, and they took the funds out of MY account because my daughter is on both. They did not call me, they did not email me, they did not text me, they did nothing. And the representatives on the phone not only kept transferring me around to other people, but they would use the line "I'm going to put you on hold and investigate this further" only to come back with a line to make the situation even worse.

I made 1 transfer with my BOA app last week. They pulled the exact amount of money from my account 3 times! I contacted them, they said nothing they can do about it! I talked to customer service and their Managers through online chat, too, and the Claims department on the phone. I am in the middle of a tough divorce and the transfers were to my soon to be ex wife so I can't get the money back from her. I am not working and this has left me broke.

I made a deposit in my iPhone as I usually do, and they authorized certain amount as usually they do. A few days later when I checked my account it was overdrawn by the amount of the check, because instead of credit my account they withdraw the money. So I got a letter by mail a couple days later that said I should make a deposit of the check in the bank, because the image it was not clear (which I did). After that I called them, but they said they had to open an investigation because I had deposited twice. Of course I did it because they told me to do that. So, now on I just go and get the check cashed and then make a deposit in my account. Don't ever make a check deposit online. Do yourself a favor and go to the bank.

Approximately one week ago, I received a phone call from a person who identified himself as **, and claimed he was a representative of a company named "Winners Lottery" (or something close to that). He was pleased to report that I had won $5.5 million and that he would personally deliver a certified check to my home as soon as I paid the processing fee of $395. I told him I did not believe him and that I would not pay the processing fee before he gave me the name and address of the bank, the name and address of the account holder, the checking account number and the phone number of an officer of the bank who would confirm that there was $5.5 million on deposit and available for release. He seemed troubled by my request and said he would have to get authority to release that information to me.

On March 31st I logged into my account as I normally do for the past 8 or more years I've had the account. And the last month's bills are still listed on Bill Pay page, they were paid through the company's site. So I mark them as paid, and mark reason as other. (Which I do every month or so as the new bills come in). On April 1st I log into my account and see that the three bills I marked as paid are being processed for payment. I call immediately to ask why they are being processed when I did submit payment, there had to be a glitch that caused this mistake. I was told there's nothing we can do about it, call the vendors and request a refund, I had to have processed the payments. I spoke to three different people and was given the same response. No one offered to look into it any further. Terrible Terrible customer service!!!

Bank of America is absolutely the most greedy bank I've ever encountered. There are fees for absolutely everything. What I'm currently upset about is the fact that when your account gets overdrafted they don't send you an email to let you know. Instead they wait until their ridiculously high fee of $35 is assessed and then they tell you. You have to pay it within 5 days or else another one will be assessed. Isn't it obvious that if someone has overdrafted their account it will be difficult to not only bring the balance to 0 but to then have to pay $35 on top of that within 5 days?

The customer service in online messenger is ** rude. Educate your ** staff.

After 3 months, did not receive ATM card.

BOA shut down our log in I.D. All of our online e-bill information, automatic payments, past history, and future payments were lost. BOA told us they were no longer available. Late fees are piling up, we are now late on our payments and it is destroying our credit rating. I am sure that our 4 accounts could of been brought "back to life" but no one wanted to bother earning their pay check.

I have requested access PIN for ATM several times and no mail was ever delivered regarding the new PIN. They sent me my statement every month which means they have the correct address. So I finally decided to close the account. I went to a branch and they told me I couldn't close it there due to some unfinished paperwork when open the account. I had to call customer service to close it and get the check within two weeks. I closed my account before thanksgiving of last year. The rep told me that the check will be here within two weeks. Today is 1/8/15, I still haven't gotten the check.

My Central Provident Fund was transferred to my US account with Bank of America. Bank of America is saying that they had cancelled the transaction because my old last name as in my passport has been used for the transaction. The transaction could not be completed because my new last name is tagged with the bank. The bank has my change of name certificate so there is no reason for cancelling the transaction. On checking with the Singapore bank, the bank says that the transaction was not cancelled at all. I have been trying to contact Bank of America wire transfer department but nobody is responding to it. Bank of America is asking me to file a claim with the Singapore bank. I have a transaction showing that the transaction has not yet been cancelled and the money is still held up with Bank of America.

I signed for bill pay with a recurring payment once a month in the amount of $150.00. I found out that a payment was made as scheduled on the 15th of October, which the funds made me $150 plus $35 overdraft fee in the negative. My paycheck was deposited on the 17th, which covered the charge of $185. On the 28th of October, BoA made an identical for the amount of $150 twice, which caused my account to be overdrawn approximately $362.18. My account was in the black before this recent transaction occurred. They blamed me for their error and asked me to call the company they overpaid for a refund. I called the company and they were surprised by the second payment, which they couldn't refund because I was paying back taxes. So I was refunded the overdrafted fees (35 x 3), which still left me in the negative for $257.36 instead of a positive amount of $7.36.

I had a checking account with Bank of America. I made some purchases online. All charges said they were complete on my online account and money was already deducted from my balance on a Monday. On Tuesday one of the stores had already shipped my items. Thursday I received my package. Friday my account was up to date. Saturday morning I was negative and charged 3 NSF fees.

I set up recurring payments through online bill pay (BOA). The first few months were fine. However, I began seeing unpaid ebill. I have been charged late fees b/c of this and I'm beginning to wonder if it’s an intentional glitch?! I was passed around on the phone for over an hour with no resolve. I only wanted the fees credited back. If your money has been stolen this way please contact me. **. I'd like to start a class action suit...

I have had several issues past and present - concerning how B of A are applying payments to my loc and home mortgage. The online banking information isn't correct, there isn't anywhere on the online banking that tells you the information you are reviewing isn't correct. So when you are making your payments, they are adding late fees, etc. I have spoke with several employees at B of A and they all told me yesterday and today - the payment information you are reviewing and making your payment with "isn't correct". How long and how many consumers has this happen to? We are accumulating late fees etc. This is going onto our credit reports. One last thing - they know it's wrong and today I was given this # 877-795-2854. I was told to call this number and they would help with these charges. Okay, what is wrong with this picture?

Bank of America did a fantastic job in resolving the issue. It took about one year but they heard my voice. Thank you.

I try to make online payment. My checking account with online banking bill pay got purged. Just randomly purged my checking account. I chatted, was told I have never made an online payment before. I have made every payment online since 2006. I gave up went to email. Email after a day says confirmed my checking account has been purged. I ask why? Email states because I closed my account in 2011. True statement but I added a different checking account in 2011. I will not pay Bank of America for the privilege of having checking so I closed account. Email has found no other online payments since 2011.

I have belonged to Bank of America. For years my parents was with them, they had trouble with them removing money from their account. I recently moved out of the U.S. I was with Bank of America. When I got where I was headed, I started having trouble with them. Not was consistent with what was going on with my account. Before I knew it they cut me off for no reason from my account. I had to call and call to get my debit card working. I spent thousands of dollars doing so. I was wanting my address changed since the 10th of Jan this year, it was getting to be impossible to do so. It took an arm and both nuts to do so finally I got it done. Since that time it had gotten worse. My card was denied and I ordered a new one. It was suppose to have taken 3 days for it to arrive, instead it was shipped to my old address, then I had to call 15 times to find out where it was. I finally got my card with surprise. I received two of them with no pin and to make the matters worse, neither one would work. They put a fraud block on both of them and to make the matters worse, they said I could use my old pin, just go activate it at the atm with the account balance.

I have never open account with Bank of America and now getting letters stating that there is illegal activity going on my account. When I tell them never open a account with them, get the same letter again.

I have an auto payment scheduled for my mortgage with BofA. I was late on my payments because of a technical glitch BofA will not admit to in 2013 where payments were not made. BofA claims we logged in and turned off the auto payment when there is no way we do that as we are temporarily working out of country on assignment. They cannot proved to us that we logged in and made such a request and their CS claims we did. We have to have this set up as we are not able to receive our mail right away and we are constantly traveling for work. They will not admit fault and my credit due to these late payments is ruined. It affected my ability to refinance for one year since I had to wait for late payments to clear off my history.

Bank of America is GARBAGE and kept me from closing on my home today, because of technical "glitches" they don't want to fix. I only used them for the Wire transfer and they don't do it correctly -- it will NOT be there on time no matter what the agent tells you or how early you start it. Bank of America KNOWINGLY allows you to set up an online wire transfer, takes your payment for the wire transfer and then only allows next day delivery options which change your paid-in-full wire transfer to an ACH-type on their internal systems and it is NOT processed correctly even though you PAID for immediate transfer. They will send you a confirmation and take your money from your account. During home closing, most law firm accounts DO NOT ACCEPT ACH Transfers and they ARE NOT transferred when you schedule AND YOU WON'T BE ABLE TO CLOSE ON YOUR HOME like what happened to me today. Per 3 different agents "The Powers that Be KNOW this happens, and haven't gotten around to fixing it" and lets it happen anyway.

For the last year I have had a schedule recurring transfer of $195 from checking to BoA credit card. This past month somehow two $195 payments were taken out. I noticed it the next day, a Saturday, the two payments were processed. My balance was $390 shorter and I did not have access to my money. When I called they admitted to glitch and other people were also affected. They transferred me to credit card people. They told me I would have to wait till it posted on credit card to ask for refund. I did this dance twice when I called BoA back and said how unfair that they made mistake and I had to wait for my money and then waste my time and have to call back in 3-5 days again to ask for refund.

I sent a message to the bank to close one checking account. I found out today that they took all the money out of my other accounts due to overdraft fees on the account they were to close. I called and spoke to two people who tried to talk me in circles and basically told me they were allowed to take all the money I had because their bank screwed up. I will never do business with this bank again after being a customer since 1998.

Recently Bank of America reported 30 days late on a Home Equity account payment, which was due to confusing online reporting of the online balance. The online account balance showed "0" but there was a small 58.00 min payment still due. Apparently this was an interest charge from a prior month balance. Keep in mind I had been paying the balance off each time it is non-zero, and although monthly paper statements are sent, these usually out of date (do not reflect recent payments) so I rely on the online balance to determine if I need to make a payment or not.

I have had 3 serious problems with BOA in the last 6 months. I find it interesting that each event occurred within a few weeks of requesting to refinance my mortgage. I have my mortgage, checking and savings accounts with BOA.

With all banks going mobile, all of them brag about the easy to use features on the go, taking a picture of your checks to deposit, all that jazz. Well, every bank I know of has these features so I'm surprised to see so many banks thinking they are one of the only ones. My complaint lies in the features of their actual site. A long time ago, I (now very regretfully) opened a Credit Card and Checking Account with Bank of America but my love has always been USAA. I don't know why I ever bothered with Bank of America. After abysmal service and some newly introduced fees, I closed my checking account with Bank of America and kept the CC since cutting that completely off would ruin my credit some. Since I always used USAA as the checking account to pay off the CC at Bank of America, I never had issues until today.

I have been banking with BOA for years. Signed up for online alerts that is sent to your email address or mobile phone or both. I opted for email alerts. System is suppose to alert if your bank balance goes below certain threshold limit, or if bank account has to apply monies from another account for overdraft protection or notify you if the account due to current activity will be in negative status. There are several options to choose from. According to BOA, this is suppose to help you manage your account. However, the system does not send them to the customer as agreed upon when you sign up. I will receive alerts for all the other options in a timely manner except the one showing account in a negative status and "we are applying NSF fees". These alerts tend to come at the end of the business day just prior to bank closing time. If BOA has this system to alert customer of account activity, then why is it being sent after the fact? Well, so that BOA can charge fees. So does this alert system really help?

In addition to credit cards through BofA, I also have cards with Citi and Cap One. It HAD been very useful getting the bills electronically through BofA. That way, I only had to log in to ONE account weekly to keep track of everything. Now they've dropped both Citi and Cap One, so I can't get automatic notices of bills becoming due. Now I have to log into THREE different accounts on a regular basis to keep track of everything and make sure I don't miss a payment. BAD MOVE. This is NOT good customer service!

I have recently been denied all access to my mortgage records online due to the fact that I have a late fee on my account. My mortgage is current with only the late fee incurred several years back. Now all of a sudden, I am not able to access my account history, payment history, tax history, insurance payment history, make a payment online... nothing at all! I have had the late fee on the account for 5 years and they have "recently made changes to their online policy" according to their technical support person in some other country who was quite condescending.

Four years ago, I took the plunge into online banking. It has been a lot better than I thought it would be. Unfortunately today, I am questioning my decision with BofA. I needed to change my address and they would not allow me. They said that I had changed my address recently and therefore, I could not change it online. In regards to when I could change it, no answer, just keep checking back. I went to online banking for a couple of reasons but one main one was to save time. I rarely go to the bank and quite honestly try to avoid it. I asked for options and they say either go to the bank or write a letter and send it to request this. Is this really online banking?

I had an extremely bad experience with Bank of America online banking and the bank manager in the Longwood Medical Area of Boston. I went to the bank complaining about the services and an extremely emotional bank manager kept repeating that their super fantastic, rated-number-1 banking is not for me. She encouraged me to close the account with an angry face and bad manners. Although she mentioned that they had problems with their online banking, it was a once in a blue moon deal. I am angered by their services, and I intend to close my account. I do not recommend banking with them to anybody and will personally complain about that manager very soon.

I received an email tonight from BofA (billpay@billpay.bankofamerica.com). It was an Online Banking Alert for AT&T Mobility. I am not enrolled in any online alert programs with either firm. The alert wanted me to view and pay eBill. The eBill was for $274. The actual balance (I contacted AT&T) was $130. I contacted AT&T (1/2/13), and they confirmed that I was not enrolled in any alert or paperless programs. I contacted BofA (1/2/13), and they also confirmed that I was not enrolled in any alert or paperless program. I was advised that AT&T and BofA set up a pilot program that would send out eBills to customers whether they opted in or not (and even if they had opted out for eBill/paperless on both sites!). I spoke to supervisor Flora at BofA Bill Pay and had her provide me with the case# ** of the exchanges and corrective practices.

If you received offers that BOA will give $150 for opening a checking account and make three e-payments to BOA credit cards for the next three months, do not think you will get the bonus. I opened a checking account on June 18 and made three payments to my BOA credit card. BOA does not honor its offer. It is like AMEX, which does not honor its point offers. I do not have a balance with BOA and almost never used its credit card. I just want to try to see if BOA will honor its offer. I called BOA on October 6 and BOA claims that a transfer to checking account is not a deposit. I opened an e-banking account which will charge a fee if I use teller. BOA said I must use teller to do an initial deposit to qualify for the promotion.

BOA is using online banking as a mechanism to increase profits due to clients' inability to have accurate financial information posted on their accounts via online banking. Here is how it works: First, the user makes an online payment or has a monthly automatic payment set up, to pay their credit card bill. Second, a reference number is given to the customer informing that their bill had been paid for the month. Third, no notice stating that the payment did not process is sent to, nor given to the customer; and last, the customer is then charged a late fee and any other fees that may result from lack of payment. Pretty lucrative for Bank of America. Didn't they take bailout money, too?

Has this happened to anyone? The home page of their online banking site shows your balances as we all know. The "line of credit" balance doesn't show your actual balance. My line of credit showed $0 but I had a $.53 "principal balance" that I could only see if I clicked on the line of credit link. Bank of America reported me 30 days late to the credit bureaus and my credit was dinged 80+ points. Bank of America's defense is that the tiny little superscript symbol above the $0 balance indicates a foot note. Granted I will take responsibility for ignoring it, but really? They can't put the actual balance on the home page? I would like to start a class action lawsuit against Bank of America because I can't be the only person this has happened to.

I set up my online bill payment to pay my rent on the day I wanted it paid. It deposited the day before and of course, the funds were not in there yet. Bank of America returned it and charged me a $35 overdraft fee. The check was clearly dated for the day after. This is just another trick now that they're using to gouge customers. I am so over this bank.

Bank of America really does stink. I had an online account that was supposed to be fee-free. They started adding fees, so I tried to close it. They won't close it because it is overdrawn because they added fees. Now, they want me to pay the fees off to close it. No! I don't think so.

I opened an online checking account specifically for a debit card to use in Europe. I have spent over 12 hours with customer service on multiple issues and each time, I was given conflicting advice. I initially tried to open an account over the phone. They asked the most ridiculous questions and then told "failed" security questions and advised to try to open account online. I opened an account online without problems. I was given an account number, but when tried to use it on the phone, I was told that the account was not valid. I called customer service and said that there was a mistake, that after "failing" security questions I had to wait 48 hours to open an account.

Their banking online has been down all morning long. Their contact list on the site does not work. All the other links are okay except for checking my account balances and making payments. There is no flag on their site that they are experiencing online problem. They are very notorious of this happening in the prime time of business hours. I want to know what we can do as consumer for BoA to stop controlling our access to our funds. I am very serious about moving my accounts to Chase, but I want to voice my concern and dissatisfaction with this monstrous bank.

Wrong Bank Account Information Linked to my Credit Card Bill Pay: I recently received an offer from BOA for a credit card with 6 months 0% APR. I go to the online banking to set up my account so that I may pay my credit card online with their offered "online bill pay". First of all, they have my temporary ID # that they supplied to me as my SSN, which I think is totally unacceptable (that should never be made associated with any online account as far as password and ID's go).

I was making a cash deposit of $5,000.00, all in $100 bills into the ATM. I put in 1 stack of bills, and it seemed to be okay. I put in a second and third stack of bills, and it didn't seem to add up correctly. I had deposited $3,600.00, but I was only credited $3000.00. I still had $1400.00 in my hand, at which point I stopped depositing further cash.

I am traveling abroad on vacation to Peru. I am unable to access my on-line profile from my PC and my iPhone app (which I could a couple of days before from Peru). I checked the website and I need to log into my on-line profile in order to report that I can't log into it. I called the US and asked whether my account is blocked. After a lot of waiting time, the lady tells me no. She includes a "travel flag" in my record, indicating that I am abroad, when I left the country and when I plan to come back. She is unable to tell me what is the problem with the on-line system. Total and complete inability to deal with the situation. Their system is just flawed. I go into their website and reset my password, which I can do successfully. I try again. Nothing happens. I am still logged out. There is not an email address. No chat assistance, nothing else--just an incompetent telephone assistance system. I had Wachovia before. It was nothing like this. It’s such a shame that we don't have Wells Fargo in MA. Such a shame.

Bank of America increasingly invites you to use online and remote services which you pay for in monthly fees. Examples for business include online downloading transactions into Quickbooks and now remote deposit of checks, all of which are helpful and (in my opinion) utilize fewer bank resources and are paid for (subscription fee).

Many problems since I opened an account. First, my mother was able to access my all of my bank account information from the bank teller. I would have never known, except my mom called to tell me the amount that was in my account. When I called that branch, the manager was very unapologetic about his employee's lack of basic conduct and said he wouldn't be able to guarantee it wouldn't happen again. They did say that they would put a computer block up when someone tried to access my account info at the bank that would let the teller know that he/she would need my ID card to obtain this info.

Every month, I enter the online payment to the one credit card I have with Bank of America. For the third month in a row, they have applied said payment to a CC account I closed seven years ago. They only recently decided to show that account on my online banking page. Even if I click the mouse on the correct account to make the payment, they still apply it to the wrong account.

My online access to my credit card is gone. Way to go BOA! I am ready to just drop them completely.

I attempted to make an online balance transfer to pay off a credit card during which the BoA site locked up. After waiting a week for confirmation, I called customer service who informed me that indeed the transfer request was not processed. Three weeks later after I paid off my credit card another way, they transferred $8400 from my home equity line to my credit card. While attempting to get reimbursement from my credit card, BoA pulled an additional $8400 from my line of credit. The bank told me that it is an error possibly from the web transaction, customer service said they always pull out twice the amount of a balance transfer to cover themselves, online support said they were paying my credit card again and cannot stop it. They will not put the funds back in my equity line as BoA says they are not available. No funds have been applied to my credit card. Nobody knows where the money went. In the meantime, we cannot buy groceries (all of our money went to pay contractors that were supposed to be paid through the equity line). It has been almost a month since the original balance transfer attempt and I am looking into legal options.

Where did the access to my online account go? Your new website is sad! Sad! Let's chat, with who? No one's available! What happened to service? Wake up, Bank of America. We, the people, are tired of it all! I will not feel any sympathy when Bank of America fails and takes its sad-**, overpaid CEOs with it!

Their online banking site has been "out of order" for over four (4) days as of today. This is an extreme inconvenience for those of us who bank online. What's the problem and why does Bank of America do not let us know what is going on, and/or when it might be repaired?

Their online system is horrid and their customer service is appalling. I have one account with them for a credit card (it was sold to them; I opened it originally with MBNA). They are unable to assist me with the account as every single department has their own customer service reps and only one customer service number. When I use their online chat option, the customer service rep can load up my account, look at it, and take money from me but is unable to make any changes or adjust anything.

I signed up with a Bank of America for an American Express promotion, on 9/23/11. The promotion says, "Get a $50 statement credit after making at least $50 in retail purchases within the first 60 days of the account opening date. Get an additional $25 statement credit by using your Card for a qualifying purchase at select merchants. Click "Apply here" to apply online or call 888-961-2758."

Bank of America has their own interests (money) in mind when posting transactions to my account. Also, they offer privacy source and you are charged $12.99/month. Even if this is "fine print", it is bad business. I have paid hundreds in overdraft fees and I have overdraft "protection".

I had a checking account with Bank of America that I originally scheduled online bill pay with. When I lost my job at the end of March, the account became overdrawn by approximately $186.00. I called immediately and explained that I would be bringing account to a positive status within a week and to stop my online billing. I even sent an email requesting to have this stopped. I then got more notices and fees because it was not stopped as I was told it would be. I called several times and even went into the branch where I opened the account and was assured again that this would stop.

On September 03, 2011, in the morning, I attempted to log into my account to pay my mortgage and was denied of the service. After an hour and 27 minutes on phone calls, I finally found a human who is willing to dig for information and who told me that my account had been transferred to Greentree. Apparently, the transfer began on 08/14/2011 and was effective 09/01/2011.

I have had an online chat with Bank of America through my online account. Bank of America has returned to their old practice of charging overdraft fees of $35 the next day for any amount. This follows approximately a year or two of not charging overdraft fees on anything under $10, and they gave customers 5 days to correct the overdrawn balance. After five days, a $35 fee would be put on the account, but having five days to come up with the funds to avoid an overdraft fee really helped me. However, greed got in the way and they dropped that courtesy and went back to stealing money from their "valued" customers. I've had the same account with them for 16 years and I think that now is the time to move my money to a credit union. Bank of America earns billions of dollars in profits mainly through stealing from their "valued" customers. And I would like them to stop apologizing for the "inconvenience" this has caused me because they aren't the least bit sorry. They are scammers!

I called BOA after trying to log into my account. The website does what it always does; pop up window says that Internet Explorer is not working even though I put in my correct ID and get the correct site key. Then it starts an endless loop of trying to log in again. So I called BOA and guess what, their systems are down and I cannot make a payment. One would think that a bank would want to collect payments; wouldn't one?

I made an online balance transfer from Amex to BOA, taking BOA's offer of 0% on balance transfers until 06/17/2012. On August 1st, I noticed that I am being assessed interest on the balance transfers. After multiple calls and emails, I was told that that the transfer was processed with 1.99% interest. And they refused to correct it because I notified them too late.

BOFA is using online banking as a mechanism to increase profits due to clients' inability to be able to have accurate financial information posted on their account via online banking. There is no sure way to determine BOFA's processing of pending transactions. Wire transfer sent to your account at 12:01a.m. are not appropriately processed in a reasonable manner to avoid NSF charges due to delayed pending transactions such as gas and other items.

I started banking with Bank of America recently because there are many ATMs and I like to do my banking online. I also like the convenient mobile banking application. In the beginning, I would receive instant notification of transactions and I could easily check pending and posted transactions made on my credit card with the mobile application but now, when I click on the ‘current statement’ icon from my phone, it does not allow me to view the transactions.

I gave money to Bank of America to do a refinance ($650.00 total). They said if I did not get refinanced that they would return my money. They called me after 108 days to tell me that they were not going to refinance. They returned part of the money ($400) but are refusing to pay me the rest. The amount still owed me is $250. Diana ** continues to jerk me around not giving me the name of her supervisor which I have requested at least three times. She is absolutely not the type of employee I would want. She just gives me the run around and has still not successfully retrieved my last $250 nor provided me with someone who could assist me (such as her supervisor). $250.00 is a great deal of money when you are a working person in this country. Bank of America expects my house payment to be there on time yet they withhold money from me for over 108 days.

I was with them for a few years until I started noticing odd things happening on my online account page. My balance and transactions would change from day to day as far as my deposits and withdrawals, but not because of me. One day, a check would post cleared and 2 days later, it would be pending and my account would be overdrawn. The first time I figured it was me, that I had overlooked something or a certain transaction date. But the second time, I called the Customer Service Center and has told that there was some hidden screen (literally hidden by clicking two links within the site) called the "Running Balance" that literally changes by the hour.

We were part of the Taylor Bean Customers that had refinanced right before the government shut them down and the filed bankruptcy a week later so our original loan was never closed out but sent to Bank of America. And just recently, our new loan on Sept. 1 was transferred to Bank of America. Now we have two loans on the same mortgage and property. Bank of America has put us into foreclosure on the original loan and is doing nothing to correct the matter that the old loan is in foreclosure when they know we have a refinanced loan. Every time I call them, they don't seem to know what's going on and they say I'm not in foreclosure on either loan that the old one was entered by mistake yet I'm getting calls from Veterans Affairs and attorney's threatening to take my home if I don't pay them. Which loan am I suppose to pay?

I am unable to access my accounts at Bank of America on line, as I have been for years and which Bank of America advertises, until I accept disclosure of my personal private information, including collected and heath information, to whomever and no guaranties that whomever will be restricted in use of that information I am being forded to disclosed.

I explained to BoA online service that their billpay website was not working; "Billpay services Temporarily Unavailable". They refused to offer any solution. So I went to the Cotuit BoA Branch and the manager met me at the door and asked if he could help. I told him his Billpay website was not working and I needed to make a payment from my BoA Visa to my BoA mortgage.

Their online transaction is not accurate. They manipulate dates on transactions to force overdraft charges. They show positive balance, then 1 day later run a transaction though (even show the date it cleared), then charge an overdraft charge for it as if it had cleared days before. It’s based on the amount, and if the amount is large enough to overdraw the account, they backdate it in their system but do not show this to the customer. I am changing banks today. $70 dollars in overdraft charges for a positive account balance.