Bank of America
reviews and complaints

I received a low balance email on Saturday 24th September, called the bank several times was on hold for hours no response, same thing Sunday on response. Went into the bank on Monday 28th September spoke with Carlos Rosas the bank's manager he gave me the fraud teen number and explained that the bank doesn't deal with those issues. I sat and called them, I got a lady she took the information and then told me the money will be returned 24-48 hours later. However that didn't happen. I called back the fraud teen I got a gentleman he made me know that the First Lady made a Mistake and I will receive my money back within 14 BUSINESS days; upon the 14th day I received a letter stating they're unable to approve my claim. I went back over the Wednesday 13th of October and spoke to manager Carlos Rosas again, explained that I don't and have never had a cash app or zelle account so why is it so hard to prove. He told me I must call cash app and let them send me proof that I don't have an account with them and take the proof to the bank. Also he made it clear that once a take out an account with the bank I am solely Responsible for my account where security is concerned. He also told asked me if I added another number to my account I told him no, if I did that they would be a record of that.
I went back to the bank on Saturday 16th of October, to get his name and just asks questions of the procedure forward and to get a little assistance. Because I wasn't getting through to cash app at all! He made it clear that's the only assistance he can give! and was also denying that he asked me about another number being on my account. I'm just totally lost for words here, I've never been in a situation like this before, and I thought for a first world country and a leading bank in the country I expected way better treatment! This is not acceptable at all! And I won't accept it! I'm going to fight to the end!

EDD deposited 2 payments on October 3rd for the amount of $1060 and $1014 and 2 payments on October 4th for the amount of $414 each. On October 4th I sent my spouse who I've always authorize to use my debit card to withdraw money from a Bank of America atm when the transaction was declined stating I had already withdrawn my daily limit. I checked my app and saw my daily limit was $25 and assumed that was the reason so I changed my setting to $1000 and tried to withdraw once again from a nearby atm not a Bank of America atm and it continued to say I had already withdraw my limit. I checked my app again and it was posted that I had withdrawn $1000 from a Bank of America location. I assumed it was an issue with the bank since there were several postings from Bank of America for $0, and that it would resolve. Next morning on October 5th, i checked my account and there was another withdrawal for $880 from a Bank of America location leaving me with a balance of $46. I immediately called customer service to file a complaint and I notified them about the 2 unauthorized transactions for a total loss of $1, 880 . I haven't heard back and I'm concerned that I won't get my money like so many other people who this has happened to. The cameras will show that we didn't withdrawal or authorize any of those 2 transactions.

Bank of America Seriously

Here we are again 10/15/21 2:51 pm on the phone with BOA...3 open tickets later and ticket escalation. No one know nothing The Phone Rep informing me they cant verify my account however they can view my account. The Phone Rep then contacts the Supervisor who doesnt know what to do and does nothing absolutely nothing. BOA has me in a rabbit hole of ludicrously.

The BOA plan from the Rep is to escalate this to the highest level BOA executive team. Really... seriously... signing in on line banking is escalated to the highest level of BOA executive teams.

I havent been able to access my BOA for over a week, not receiving fraud alerts, one card shut off despite sufficient funds, multiple calls to BOA, hours apon hours of time no one responding to any of my previous tickets.

Just goes on and on and on. Basically BOA has taken my funds hostage... this is very worrisome because most likely others are having the same outrageous and financially unsafe experience with BOA.

Still on the phone... just transferred to who knows who... wow what a rabbits hole.

Customer Complaint Bank Of America
I have not been able to access my on line banking for over a week.
I have spent almost 3 1/2 hrs on calls with BOA Phone Reps
The Phone Reps unable to resolve the on line siiues have opened 3 Tickets escalation the last one promising a response with 24 hrs... sure
Today 10/14/21 another hour on the phone and 3 BOA Phone Reps two who disconnected me... really
I cannot access my banking, no one at BOA cares, I am not receiving fraud alerts, one of my cards although fund sufficient gets declined reasons unknown
I called my local branch... that was even funnier as no one answers the phone.
BOA has hit rock bottom and my only option is to contact Banking Commission as I dont know what BOA is doing with my money and Im sure it is a regulation violation that BOA is denying me access to my own funds

On 10/11/21, a Zelle transfer was initiated TO me From a US Bank account. Both of these banks are established users of the Zelle platform, in fact, Zelle is the preferred way to transfer funds for both institutions. The funds were removed from the US Bank account almost immediately. Within 10 minutes, I received and email that the transfer was on its way to my bank. Shortly thereafter, I pulled up my mobile B of A app, had an alert that the Zelle transfer would be deposited in 1 to 3 days...excuse me? The nature of Zelle, B of A's PREFERRED method, is cash transfers in minutes. What right do they have to hold those funds? Customer service told me there was no such transfer (this is after A LOT of run around). I have messages, confirmation number and am told to hold AGAIN, to which I am transferred to another ringing phone to start the process all over. The second rep was no help either. This day 2 and my Zelle payment is still pending. THERE IS NO JUSTIFICATION FOR THIS HAPPENING!

I was "chat"-ing with your chat agent krystal of new york. we were in the process of blocking future improper payments to a third party merchant (freedom boat club) from my checking account [last four = 6455.] no chat record was provided to me.

I am working with freedom boat club directly to have them refund two improper payments each in the amount of $298.53 posted on 9/7 and 10/5/21. bank's descriptions are "freedom boat clu des:[protected] id:m42905586237 indn:ralmrl trust co id:xxxxx18107 web" (9/7), and "freedom boat clu des:[protected] id:m42967664254 indn:ralmrl trust co id:xxxxx18107 web" (10/5/21.) the bank's systems and poor customer service have been failing this customer far too often. I have therefore begun the process of canceling all my bank of america accounts.

Please block all further payments to freedom boat club. kindly direct questions to r.a. [protected]@gmail.com (preferred) or [protected].

I've been a customer for many many years and have never been treated like this. I've had it with your hole system and will file a complaint. I can't tell you how many time I have had to call in the last say 3 months. Every time i look at my account you guys have changed something. You should not be able to change the rules as you see fit. Im done with you guys and again file a complaint this time.

Starting some time in June the bank started charging $35. for NSF fees and not until June 30th did I become aware of these charges. The beginning of May I moved to Port Huron and my mail had still been being delivered to my old adress which I couldn't have forwarded because my son has the same name as I. So I tried to contact the bank several times to change the adress with them to no avail as I was on hold for half hour to an hour every time and then they would tell me they had to transfer me because their dept. couldn't process a change of address. When transferring I would get disconnected.
I was busy doing home repairs and using my debit card for purchases when around the first of July Bank of America declined my purchase. As soon as that happened I called them to find out what had transpired and immediately transferred funds from my personal account, which was also at Bank of America with a balance of $14, 000. in it. When I asked about reversing the fees she said she would check and after quite awhile she came back and said she could reverse 2 of the $35. fees and that it was my responsibiity to check my balance. I explained to her that this had not happened before in any of my accounts and was surprised that they kept paying the charges when there was no money. I feel that if this would have happened on day one where they should have declined the payment I would not have been charged anything. I, also, wrote a letter to the bank thinking that if I spoke to someone with more authority they may listen, but all I got back was the same simpleton answer that it was my responsiblity to check my balance. If you need any further information please feel free to call me at [protected]. Please advise on any changes to my account. Respectfully, Todd Bendler Attachments

Claim Number: 08JAN2021-160318
To authority,
On Jan 1, 2021, I have deposited an electronic cheque for $4950 [Gold Stone Concrete Inc, Issued by: Brighton bank]. On Jan 5, 2021, the amount was credited to my account in full. And on Jan 6, 2021, my account shows -$4950 Return Item.
I believe, BOA must have certain checks imposed on the back end to validate the cheque and verify if the cheque is valid or not for customer protection.
But I noticed that cheque I deposited electronically on Jan 1, 2021, had the below errors:
• Incorrect Name
• Check Not Signed
My concern and question is, why was the amount deposited to my account, even though there were errors? Why wasn't this check rejected upfront?
The amount of $4950 was credited 6 days after the electronic deposit. And as a customer, I will probably think that BOA has performed all sort of checks, validated, and credited the full amount to my account.
I would rather pay $15 as a return fee and get informed by BOA upfront that the check wasn't valid, but BOA credited the full amount and later refunded the money saying it's returned. This is completely misleading to customers like me. Due to this misleading act by BOA, I am in loss of $4950.
I have been a loyal customer with BOA for over 11 years, how am I been protected? If the cheque was not valid, then why was the amount credited at first?

I deposited a third check from same company and was told shouldn't have problem with next check deposit but it had a hold on it Ave called but wouldn't release my funds but now is saying debit hold which I don't understand why it changed from 7 business days to 5 is not fair and all my payroll checks from same place have been paid faithfully I want my money not right holding my funds

After entering into a contractor agreement, the final payment was due upon completion. The contractor left the job without completing the work and went out of business. BOA paid the final $6, 000.00 without my prior authorization. I filed the claim, submitting a mountain of documentation and the claim was denied.

BOA claimed that too much time had lapsed and I didn't try to resolve with the contractor. All untrue. It was clearly a breach of contract and BOA washed their hands of any responsibility claiming it was a service contract and therefore within their rights to pay. It doesn't seem to matter that the job was not finished.

BOA Claim # 24Jun2021-391179
Police Report # 21-67719

$1200.00 withdrawal on Jun 24 2021 at BOA branch using my wife's debit card & pin, filed complaint stating that neither my wife or I withdrew these funds, requesting the camera footage be pulled to verify this and was told that it took up to 90 days to receive film. After the 90 day time period was over received letter from BOA Fraud & claims stating that they denied my claim for the following reasons. 1). Investigation determined that you authorized the transaction. 2) Your debit card and pin was used as identification

The complaint was that BOA allowed this transaction to take place without requiring proper identification, because neither me or my wife withdrew these funds. After decision was made to deny claim and not receiving camera footage from transaction I was told that I need to have filed a police report in order to receive this information. Case # 21-67719 was filed with the Orange county police department on September 20, 2021, requesting that the initial camera footage be provided to ensure that fraud had been committed .

Contacted BOA fraud & claims spoke with supervisor ID# 1863654 Logan Roberts on September 13, 2031, he stated that it was determined that our claim was authorized by us, which is untrue. and he would not provide me with your corporate Head quarters address or or phone #, called back several times spoke with Margertta from S. Texas and was told that some one by the name of Josh another supervisor told her she could not provide your corporate office contact, finally after not accepting this I was transferred to another supervisor AMber ID# VKCK8YR and she provided me with a website to file complaint and corporate office address.

After being a customer with BOA for over twenty(20) yrs, I feel that this decision has been unjustly made because I'm being told that because my wife's debit card and pin# was used this is enough proof to close complaint based on, the fact that we authorized this transaction, instead of any fraudulent activity taken place or any responsibility of BOA to protect our monies by requesting necessary ID.

All I'm asking for is to be treated fairly and be provided with camera footage proving the neither myself or my wife withdrew these funds nor authorized this transaction, which makes BOA responsible because of their negligence by failing to obtain proper identification for these types of transactions, and responsible for the return of monies back into my checking account.

I think this is the reasonable customer service to be expected from a customer of many years. Fact is that $1200.00 was taken from our account and not done by anyone of us authorized to do so.

Please follow Up and correct this investigation A.S.A.P.

Joel & Norma Brooks

I had a home equity loan account with BofA - [protected]. As Bank of America attempted to damage my credit, after being a customer for over 35 years, I closed the home equity loan almost 5 months ago.
I keep getting a bill for $14.10 - report it, and last time I reported, was on the phone for 48 minutes, transferred to 8 different agents, even one who handled dead peoples' accounts, I was PROMISED this was resolved.

I just received another bill for $14.10.

Please, there must be someone out there who can straighten this out. It is most frustrating!

I went to Bank of America and EDD proved my identity 4 times got large money each trip. And September 6 202+ they gave me western union for $3000. I can't get threw EDD all personal information changed and I am in Alabama where they sent my Debit card only month old sending new one I. My name and to stranger address I stop debit card I have call email everything they have till September 24th 2021 get my new debit card or San Francisco News per and US legislation got cpy.Thanks Trista Morris email [protected]@gmail.com

Did not receive retirement check asked to have a stop payment on check and re-issue spoke with Michael Mahr, said to wait and recall if not received called back given run around and put on hold because a supervisor could not be found only to have call ended after long wait on hold. customer service was and is not helpful in this matter. [protected]@twcny.rr.com

To: Bank of America Corporation

I dealt with a scam artist broker in Boca Raton whom I contacted by way of 866 area code. They lied to me and told me they were a local moving company in San Diego. They asked to charge $50 on my credit card, "To check if it was active". I made an appointment moving date and gave precise inventory. I packed all 35 boxes myself. They showed up on moving day but stated, "We can't fit your things in our truck". It was not American Standard Moving & Storage but a black old smaller sized truck. They abandoned me on moving day and I called American Standard Moving and Storage to try to prevent them from leaving. This is when I found out they were not in my town or state. I am an R.N. who had an assigned governmental job 350 miles north and I was panicked that they left me. I was shocked that they charged my card without authorization for cancellation fees. I DID NOT CANCEL WITH THEM, THEY ABANDONED ME. I never agreed, received or signed anything. THIS IS FRAUD. Bank of America insisted this was a billing dispute. I forewarned Bank of America about this company within 2 weeks of my card being charged to not pay them. I had exceptional payment history on this Mastercard for three years, paying early and in full.
My FICO score was ruined when you reported to Experian. I called you over 60 times. I have satisfied what I owe you. I do not owe you anymore money. I want this removed from my credit reports and gain my FICO score back.
Roberta Bell, R.N.

On a monthly review of my debit card with Bank of America, I discovered $2145.44 purchases I did not make. I called bank immediately and filed a claim. Called back couple days later and was told claim was for $1483.74. Discovered because a charge was pending on initial call it did not get included and another amount was simply not recorded. Filed another claim for $661.70. The second claim was issued a temporary credit. The first claim was denied. Called and was told should file a police report and send any evidence to support my claim. Faxed a police report and a text message that was sent to his girlfriend specifically referenced an amount of another transaction that was in dispute. Since the initial discover and report I did my own research and realized from a transaction made in Utah that I had a pretty good ideal now who had done it. I reported that information to bank and reason I came to realize it. Bank denied claim again. Called bank and was told that it all seemed to come down to a specific transaction where my actual card was used. I then faxed statements from two different sets of parents for whom I was providing childcare for at the time and date of that specific transaction along with supporting evidence of my google timeline showing my location. Bank never made any attempt to contact either parent for verification or the merchant where transaction was made and denied the claim again. I am furious and looking into suing them for denials.

We were contacted by Valerie Hernandez a week ago . I have called her at least 5 times since and left voicemails with no return call. We would like to speak with her. We have filed a complaint to the CFPB . That was the reason Valerie Hernandez was contacting us . She has called 1X. Has not returned a single phone call or message.

I am 60 years old woman and I requested my roth IRA. I sold it and they want me to charge 49.95 for closing my account. I transfer my roth ira from etrade several years ago and etrade did not charge me anything and now Merrill Edge wants to charge. There is nothing on its fees chart that disclose these unknown fees.

Need to speak to someone about Bof A messing with my money so much that now im 9k negative in my acoount