Bank of America

I am an American citizen born in 1956. I worked for Bank of America for 26 years and retired in 2014 to take a job in Ghana for an NGO teaching technology. My US based BofA account enabled me to make payments in support of property owned in California and to move money from my 401k, receive IRS refunds, maintain a VISA ATM Card to be used here in Ghana, purchase gifts on-line for my grandchildren, set up recurring payments through PayPal, etc.

On Dec 31st, without any warning or explanation, both my DDA accounts were closed and my card blocked. I called my Preferred Banking Customer number (yes, I was a preferred customer) and they could not help me. I was shuffled around between Claims and Risk/Closures for 3 days being told the same thing over and over (it was a business decision, you signed something that says we can do this) until I was told they would be closed irrevocably on the 5th and that I would NEVER be able to open an account with BofA again (that is what she said, but I believe it's 5 years). There was nothing left do. They said they would send the balance in a cashier's check and a letter to the address on file (which is my brother's house in California). I will not be able to access that money here.

I pleaded with them that I cannot travel due to Covid as I am a 64 year old man with COPD. The risk is too great! Especially to California, but I was met with cold ambivalence. I was never allowed to talk to anyone that actually knew why they were closed or could stop the closures.

So now .. I have lost my lifeline to my holdings in the US. After working most of my professional career for this institution they have turned their back on me and made my life a living hell. I do not know what I am supposed to do. I only hope they have not made it so I cannot open a bank account with anyone through Chex Systems so when it is safe to travel I can go to the US and reestablish .

How is possible that a company that has America in it's name can do something so completely undemocratic. A.P Giannini built this bank by giving a hand to help up the people suffering after the great SF Earthquake and fire in 1906.

Shame on the current management to allow this to happen this pandemic.

I filed a claim In regards to some unauthorized charges on my account and u haven't heard a word from them since that day 3and a half months ago!

I opened an Advantage Plus Checking Account on January 1st 2021 with the bonus offer to get $100 with 2 direct deposits of $250 or more within the first 90 days. Passed the 5 identity questions that were presented to me to prevent fraud. Application was approved and my account was opened.

My first direct deposit came on January 6th. Transaction didn't yet post to the account. Great. Maybe it needed more time I'm thinking.

January 7th comes around, I go to log into my account on my desktop to see if the deposit posted, and I suddenly can't get in. Then I try on the BoA app with my fingerprint verification. Nothing. Doesn't even tell me that it failed login. It just goes back to the login screen with blank fields and makes me try again. I try again. It tells me that my account has been locked!

So now I'm getting worried. I call the BoA customer service line and explain my situation. They ask me for verification questions. Ok. No problem. The guy tells me that my account "has problems" and that it "didn't pass the identity verification." It was now in the process of being closed and the only way to stop it is to travel almost an hour to the nearest branch. That wasn't an option for me. No notification of this before calling their customer service line.

I then tell him that I had money deposited into the account from my job. He said that I would get a check for it in 7 business days. Not acceptable since no notification WHATSOEVER was given that my account was being closed. He transfers me to the ACH department and I get disconnected.

I call back and a 2nd rep picks up. Asks me a verification question but then tells me that she can't verify because of something wrong on her end. She tells me to call back in 45 minutes. DEFINITELY NOT ACCEPTABLE AND NOW THERE'S RED FLAGS! Again I ask why was I not notified? She says she has no idea, I'm not satisfied by that answer, and I tell her I'll call back.

I call back instantly after we finish speaking and speak to a 3rd person. She tells me that the first person I spoke to was correct in saying that my account was closed for "fraud protection" due to a rise in fraudulent accounts being opened. Mine wasn't fraudulent. I ask her why I wasn't notified. She has no idea.

Basically, Bank of America now has my money that was direct deposited from my job and I don't have access to my funds. I have to wait 7 business days AT LEAST to get a cashiers check from them. If the check doesn't arrive by the 31st, I will be unable to pay my rent.

If it doesn't arrive by next month, I will sue them. This business is shady. A good bank will never just close your account out of the blue without any notification.

Bank of America canceled my card by mail, I was shocked. I've had this card for years and I have never been late on a payment. I overpaid a bill by $100 but I figured I would use it soon so that would be ok.

I am shocked, I have honestly never missed a payment. I had previously used the card for a balance transfer and was about to start spending on it again. The frustration is there is no online chat or any way to really talk to BOA unless you call during their hours. They also took all my information offline, so immediately all statement records were inaccessible. Luckily I was able to go into my bill pay and there was one link that I could click on to take the attached screenshot proving the account had a negative balance.

Over five years with this card and never a missed payment. In the middle of a pandemic, this is a double insult.

my edd debit card has had four 1000 dollar with drawls four straight days in a row from different areas up in los angelas area when I contacted b of America about the money taken out they said it is a fraud activity they opened me a claim and promised id be payed back on oct 10 2020 since I opened the claim I have not received nothing from them they wont tal;k to me I sit on hold for 3 hours at and then I get hung up on or told that they don't have a claim for me in there computer then they sent me a new card so I can use my money that is deposited on the card weekly from edd but as of last week they now have froze that card left me unable to get any money of the remainder balance still on there and deposits edd gives me of my money I cant touch they froze my acc and told me to prove my identity now I have done so now edd or b of America havnt even gotten back to me about my identity or unfrozen my debit card I have no money im living in my car

because of them I have lost my apt and almost my car please help

I have had a banking account with BOA for many years. Checking, savings and credit card. For several years I had a automatic deduction for a small insurance policy. I recently cancelled that policy and requested that my automatic deduction be stopped. The insurance company continued to deduct that payment. I went to the BOA branch on Meredith Ave. in Urbandale Iowa. I was told that I can not manage my own account, I can not cancel that payment, that I MUST deal only with the insurance company. I was further told that the insurance company could continue to take money from my account and there was nothing I could do about it, unless the insurance company agreed to stop those automatic raids on my account.

Complaint against
Bank of America Small Business Department

Attempted to dispute and/or stop payment on some small wrongful charges on my Business credit card today. Lengthy phone time over an hour, 3 transfers on hold, 3 different Reps with each demanding I provide over and over again basic information multiple texts for security codes ...on and on and on in the rabbit hole...ludicrous!
Business Reps rude and couldnt care less...cancelled my card instead of stop payments, not providing any clear information, informed me the Business credit card banking matters could not be done on line, informed me there will be NO reference to the call anywhere ? Refused to provide a ticket number ?

So if the Business department doesn't do what they are suppose to do guess what Ill have to call back hours of time holds and again verbal conversations about money and credit cards without any references, no confirmation, and no online options available.

Seriously Business transactions ...no reference, cant complete any tasks on line in this day of age Asking Business people to call be on hold for an hour and then not provide any confirmation of the transactions...Really ?

What is happening to the money ?

Bank of America Business Department lost my Debit card and lost $ 300 not alot of money but they could care less and have no intention of a resolve,
no efforts to even try to find out what happened ?

Is our business money really safe with this Bank of America Business Department ?

If the small Business department is refusing transparency about money, banking, and business usually there is a reason WHY ?

Something doesnt seem right here...does it ?

Why in this day in age with why is it that BOA Business clients with Business accounts cannot do online banking How could verbal phone calls without documentation be safe for your money. How can you monitor that transactions of money are accurate. In my case Debit cards and Debit account amounts just go missing, credit card adjustment cant be proven...mmmmmmmmmm

Im surprise that BOA Small Business Department doesnt recognize that their department without checks balances confirmation and transparency will be headed for federal problems.

How is it that Bank of America has aloud such high risk banking practice.
Is it even legal some of it ?
There must be requirements federal requirement of BPOA Small Business Department.
Is this department in compliance with federal regulations ?
Doesnt look good to me based on my aweful aweful experience with BOA Small Business Department.
Beware and protect your money.
This does not seem like safe banking situation for the small business owner

Interesting

There is no place to send an e-mail for resolve or remedy ?

If bank of America loses your money like they lost mine, makes mistakes in your credit card ...Oh well just plan you will have to prove it.

As they say Follow the money.

So I was told by the operator on Dec 28 2020 that the bank of america by accident froze my account?
Is the bank of america retaliating because if my complain of $1000 dollars?
I did not authorize anyone else to use my card in any way.
I am notifying you of the above unauthorized transactions
ÚRegulation E, 15 U.S.C. § 1693 et seq., 12 C.F.R. § 205.6, 205.1 investigate any unauthorized transactions.
Restore any funds withdrawn from my account without my authorization.

I had three different accounts with Bank of America, I had never had any problems with them. They decided to close my account with no notice. Then when I would call in they first kept telling me I'd get my cashiers check with the balance in my accounts. Then after a week or more goes by and I still didn't receive a check with MY money. So I call again and all they ever say is they're investigating my deposits in all my accounts and they can't give me anymore information. They've never contacted me about any deposits in question. Then in Oct I get a statement show my account balance, and it says the amount was deducted for closing account and there's a 0 balance. But When I ask them where My money is they say they have no answers or explanations. I don't understand how it's legal to hold onto my money for months and close my account, send me several letters saying it's closed but they still haven't sent me my money.

I have two complaints about my edd debit card.In october 19 of 2020 I called my card to check the balance and heard my account was incorrect in the balance amount. I was in possession of my card when I was told that a withdrawal of 680.00 occured. I soon canceled my card and did a claim. I didn't have the app on my phone to check my bank activities. They said they would investigate and get bank to me. I never received my money bank.

Second complaint I went to use my card and my transaction didn't go thru. I then tried to login in to the mobile app which I received an error message that said call customer service. I called customer service the first representative said my account was closed due to edd/unemployment. I called unemployment/edd they said they did not close my account nor did I have suspicious activity regarding my account. I then called the second representative. The second representative said they receive a message from edd. Once I told them I called edd he change his statement. I told him to send me proof of this information from edd, I was told it was none. I then ask for a supervisor to speak with. I ask the supervisor why was my account closed. Mr charles said edd sent them a message of fraud. When I told the supervisor I called edd. He change his statement. He said he dont know y my account was closed and that he was going to send me a paper to fill out and then they will investigate. I then ask if how do u close somebody account with 208.00 in it and you dont have proof of fraud. I ask him for his employee id number and his last name he laughed and said he doesn't have one

Please give me back my 208.00 I had in my account before it was closed. And the 680.00 that was stolen from me also

I called the number on the back of card on 12/09/2020 at 4:52 pm and sat on hold for an hour and 2 minutes and 31 seconds before a claims department rep got on the phone. I explained that a claim needed to be filed for my 5 missing deposits that were deposited onto my account by edd. She started to argue with me and say she does not see any payments that were deposited and I will have to call edd. Which edd told me that they are not responsible for the payments they have already sent the payments. My card was locked and no way else to pull money off. So five deposits are missing. When I called to see if the claim was ever made she told me that she does not see deposits than started to argue and then hung up on me. And I have been back and forth calling and all I get is long wait times and nothing fixed.

On september 30 2020 $1000 were missing in my bank it said the merchant was bank of america.
I been calling so far I have been transfer to the claims department 4 times..
I made a complaint with a consumer government agency in which they put that claim to the bank..
The bank lie! Saying I haven't made a complaint I have evidence its been happening before

On 12/7/20 I disputed a charge from pmcapital.com. A check card was used for payment in the amount of 211.96. I phoned the number of this company and heard only music for about 1 minute. I had a bad feeling as this was "gold and silver for sale" company. I have never purchased gold. I pulled up the site for this information and phoned another number listed on the site...no answer. Surprisingly enough, they had an email address for potential clients! I filled that out stating that I received a charge from them and that I was going to file a dispute with B of A. About a half hour later I receive a phone call from the owner stating that the charge was from Umbrella, which is a supplement company that I had purchased products from. Huge problem! I never recalled an agreement with a gold company for payment of anything, but the information was correct. My customer care person, Marianne (spell?) was great and she had told me to destroy my debit card and they would send me a new one.

After all of this transpired, I receive an email from Umbrella that they would file fraud charges should I submit a dispute. Now, the trouble starts with your people. I call the fraud department, where I waited 20 minutes for a rep by the name of Brooke from Michigan. She gave me an extremely hard time for not being able to get email as I was out of the house and unable to receive a code as I use a FLIP phone. Now, I need to cancel that dispute asap and I can't due to your communication bias and sub standard personnel. I would have changed banks long ago if there were any other in my area. I think BoA is the worst bank I have ever used. All I want is to cancel the dispute I filed against pmcapital.com/ umbrella! I asked for a supervisor and she could not find one! This is not the first time I have had problems with your horrible workers. I do not have the address, but pmcapital is somewhere in utah. Please resolve this problem and reprimand Brooke for a terrible job in establishing identity. Your bank needs an overhaul! No wonder we booted you out of Hawaii! M. Madsen

Wow I hate b of a. Back in July someone took money from my account totaling $923.00, I had no idea it even happen. I went to use my b of a ca edd debit card at atm. And it said to call cs. I did it was a weekend all the bofa cs lady says was call back Monday to claims dept. Monday comes I call answer a bunch of questions and start a claim to get money back. A few days letter I received alerted from bofa and it said temp credit while they investigate my claim. A month goes by another letter comes says they did there investigation and temp is snow final. And just this Oct 4 with no notice these [censored] take back the 923.00. No letter no call no email. Nothing. They stole my money. So I call claims several times a day no one knows anything. A bunch of idiots. No kinda cs skills. On top of 2 hr wait times just to speak to someone in claims. If you get ca edd take your money out asap. Bofa steals money. And won't give it back. Even worse nov 20th I get a letter from bofa saying my account was credited. Not a penny! Wtf get your heads out of your a#* bofa. Your customer service sucks is the worst i've ever encountered! No one knows anything about why I got the letter. Screw you bofa thiefs. You guys suck i've got all letters from bofa who wants to see the bull im going threw! Im so pissed I cant even write this dam complaint. Shame on all bofa claims employees. No kinda cs at all worse. I've complained to so call managers and asked for several callbacks. Nothing! Wtf is going on that a bank can steal my money? Shane on bofa making this covid exp a lot worse. Please anyone who reads this. Close your bofa account. Liars and thieves.

In a letter dated Nov 25, 2020 I was notified that my home equity line of credit had been suspended because my payments were past due. This was concerning because my balance on the line of credit is $0. I verified via my online portal and then called customer service.
On Monday November 30, after holding for 51 minutes and 32 seconds I reached a customer service person who researched the issue and agreed I owed nothing but couldn't tell me why my account was suspended. After 1 hr and 11 minutes she escalated the problem.
On Wednesday Dec 2, I waited for an additional 2 hrs with another customer service rep trying to get some answers. I gave up!
Obviously I cannot post my acct # here and apparently I cannot resolve this over the phone. I am not sure, short of driving downtown and sitting in Mr. Moynihan's office how to resolve this problem. Even the customer service reps can't get a member of management on the phone to assist.

In 2007, my husband and I applied for and obtained a home equity loan. We recently discovered that this was an amortization balloon mortgage. This was never revealed at settlement. We decided on a 15 year mortgage. We are now 72 years old and in 2 years, even though we paid in $100, 000 we will still owe over $60, 000. We were told to find another lender or they will place a judgement on our house. This mortgage has been sold 4 times! I have contacted the most recent, select portfolio servicing and Bank of America with no answers or solutions. We would appreciate any help or advice. Thank you! Linda R. Canning

Someone somehow used my card and spent $260.00 at Cotton Kids Store #1212 in Ontario CA. I'm in San Diego County. I HAVE my card and never shared it or the number with anyone and have never been at or even near that store.

The card was debit card issued by B of A for the CA EDD Dept. Theres only one way to contact the fraud Dept for EDD debit accounts. Calling one phone number. Ive waited over an hour 4 days in a row without reaching anyone and have still been unable to report the theft.

I called the store and though they identified the transaction, they said the only person who could help was my bank.

I went into a B of A branch. They dialed the number and handed me the phone - I left after 15 mins. I emailed - they emailed back with the number. I called the normal cust svc and they said only the dept at that number could help and ppl have been known to wait 3 - 5 hrs.

They have no option to call you back - and they repeat the same 20 second music loop over and over and they interrupt the music every 45 seconds with an announcement of how important the call is to them and to keep holding - so you cant even really do anything else and concentrate while youre waiting.

Im at my wits end and really dont know what to do