Bank of America
reviews and complaints

On September 22 2020, I wanted to make an online purchase using apple pay. Funds I was using to make the purchase was on my EDD Bank of America debit card. So I went to add EED to my apple pay but was not able to. That I had to contact card issuer about it. Since I had a prepaid card already added to my apple pay alteady. I figured I just transfer some funds from EDD card to card that's already on file. Then I signed on Bank of America to start the transfer. Everything was fine until I had to put pincode Pincode was sent to my email to verify that it was me. I hit done button then get message saying code is wrong. so I copied the pincode and pasted it and got same message, that the pincode was wrong. Bank of America locked my card right after. I called Bank of America and was on hold 7-8 hrs. During this time. I found out through a representative of BankofAmerica that my card was on hold because I tried to transfer fund to a prepaid card.. I from there, verified myself with fraud department of Bank of America then they sent me to EDD. Told me that EDD will know what im talking about and they they will give ok to bank of america to unblock. I called EDD shortly after and EDD didnt know what verification BofA is asking for. So he didnt know what to do but have me talk to a specialist when they are available. in 2 weeks.
I dnt know what more verification do BofA need. they dnt answer email. I dnt know how to get my money back or if ima get it back at this point. all money that I have is on that card. so I have to survive 2 weeks to talk to a specialist. how much longer after that? will I still be alive after that?

Thank you BofA for protecting me by not letting me have access to my money

I recently applied for a B of A credit card. The application process was very easy, but setting up options for this card — notifications of charges, autopay, and so on — was horrendous.

Using the card was similarly horrendous from the start — purchases questioned, a call to my phone in which the caller (B of A) was not identified, and so on and so on.

And every time I've called B of A, I'm told I'm a "preferred client" (or something like that), yet I've wasted lots of time on the phone with B of A.

By contrast, I've had a Capital One card for years, used it with never any problems.

Bottom line: I will be keeping this card (since cancelling it will reduce my credit rating), but never using it. If you need a new credit card, I strongly recommend against anything from B of A.

A unknown charge I want to seek help I need to know what the issue
In what is really happening on what ever it is
I need help from it
It been since it was closed all of sudden I prior talked with the institution to tell what it is pertaining to bank of america

I will like a compliment on what the next step on what it would be the next step I consent

I have been with Bank of America for 17 years. I had good credit, 2 accounts (one being a AAA card), and a credit limit of $17, 500 on one of my cards.
In June of 2020 I paid my card off for the month as usual. In July of 2020 I didn't get a bill in the mail so I assumed it was still zero. The following month I received a letter from them saying they were closing my AAA account because I had not paid the $40 I owed them for July. I didn't know I owed anything. Turned out it was a once a year charge for a website. I immediately paid it. I called in Sept to pay off my card and found that they had indeed closed my AAA card and had taken my other card from a $17, 500 credit limit down to a $500 limit and had reported the $40 non payment to all the credit agencies.
They are not going to change any of that. So for 17 years I was loyal, careful to make all my payments, had good credit but for $40 they didn't want me anymore. I will be looking for a new bank who values my business. Apparently Bank of America doesn't care about its clients. By the way, there is no one in corporate that you can talk to. You must speak to the people in customer service who answer the phones who have no authority to do anything for you.

Worst bank ever!

customer service is a complete and utter parody. The people that answer are not only rude, but horrifyingly uneducated and inarticulate. If the phones do not just hang up on you, you will get a person that is barely articulate.

Seriously absurd. You literally cannot get a competent human being. Literally would not allow me to transfer funds from my account! after calling in five (5) times, being disconnected, put on hold for forty five (45) minutes, and talking to imbeciles that stated "transfers to other accounts were not allowed"! i asked to speak with a manager, only to be put on hold again.

How are these corrupt institutions hiring the most inept people to deal with state funded banking issues!? this is the most infuriating experience ever. Bail out banks that steal billions of dollars only to have the federal government come bail them out are put in charge of my money, via the state!

during the covid-19 pandemic citizens have been so mistreated by the government, it is insult to injury to have to deal with a corrupt, repugnant, criminal organization like bank of america. I hate this bank :/

i am literally sitting on hold as a with the clock ticking to 56 minutes!

Bank of nightmares! Everyone go bank elsewhere... I've had nothing but nightmare after nightmare with bank of fcuked! I did something about it though I closed all accounts! And went to luther burbank savings no atm service fees for any atm's, called customer service hold time less than one minute! Stopped by a branch office walked in get help right away no waiting at all... Dump bank of america...

I had a recent breach of identity with my social security number as well as fraud on my bank account through Bank of American. I have spent about 2 weeks on and off hours of phone calls with the bank over scam and fraud activity that has cost me thousands out of my personal bank account. I have spoken with many supervisors and managers with no updates or assistance. I requested a new card that took a very long time to ship out to me which i still have not received. I have had no access to my funds or any return for the fraudulent activity. Which has caused me to missed my bill payments.

I followed all instructions and I havent recieved any information or my card in the mail or email about my $1000 bank of america gift card. Here is a proof of address and a photo identification and a notary copy. I used a copy of my jury letter as a proof of address. I also got a copy of of a nortary so please respond by mi email [protected]@gmail.com
Thank you,
Holly Westervelt

I have been in a fight to get my money back and a new credit card for almost 2 months. I have gotten emails from people, yet no response. Someone used my credit card without my knowledge since 11/2019. Anything, after 11/01/2019 I am not responsible for.

Your 0% liability is a lie. I have filed numerous complaints with BBB, CFPB and all have been ignored. I have contacted an attorney regarding this matter.

I have attached correspondence as well.

I got a letter (dated August 9, 2020, app [protected]) from BOA that you were unable to approval my credit request. Although I had not directly applied for credit with BOA, I did purchase a car at Mike Kelly Kia assuming the letter relates to that.

The letter states insufficient recent satisfactory credit history, and further states "Lack of recent installment loan information: No Recent revolving balances, too fee accounts currently paid as agreed Lack of recent bank/national revolving information".

I take dispute with each of the reasons. I have a long an d excellent credit profile. I have numerous fully paid installment loans (car loans), my mortgage loan is paid in full, I have several credit cards (no outstanding balance paid full at the each of each month. My annual income is over $300, 000 and have a zero debt (new car loan for $24, 000 on sales price of $33, 000). I was going to just pay cash for my car purchase at Mike Kelly Kia, i financed a portion of it at the request of the dealer (they benefit from financing), but will repay it full in a month or two. In addition, I have cash balances of approx. $600, 000, marketable investments of over $2 million and I'm a private wealth customer at my local bank. I don't think this is a profile that would not warrant credit.

I don't need any credit from BOA, but I am worried about your unbelievable and erroneous credit decision having a negative affect on my credit report. As you are aware there are many regulations that protect consumers from banks making inaccurate credit reporting, I want to be assured no negative consequences are on my credit report from BOA actions.

Please respond at Jim.[protected]@citizensbank.com or my cell phone is [protected].

Bank Of America has refused to do business with me and accused me of fraud - I have tried to defend myself but they do not allow it - They told me I do not owe them a penny - So where is the fraud? I made a mistake at ATM machine 8 years ago I have mental illness and depression - They continue to refuse me help and will not cash there own bank of America checks for me. My brother recently gave me a check I desperately needed. The Manager at Bank of America on July 16th 2020 in San Juan Capistrano on Del Obispo said he spoke to my brother Clive Scullion and agreed to cash my check because I could not start an account with them for unknown reasons. We walked to the counter The teller could not complete the transaction because of 4 thousand limit so I took the check to chase bank in san juan capistrano they opened an account for me with the check but they have closed the account and will not tell me why - they want to pay me the money but said Bank of America is not cooperating? I am collecting evidence for an attorney this is causing me great pain and anxiety I am ill all documentation and ID was given to complete the transaction - Currently Matt at Chase Bank on El Camino Real in San Clemente is closing my chase account and waiting for Bank of America to contact him to release the hold.

It's been 4 month I'm not able to lift some stupid wire transfer lock from my account.
Called 800-933-6262 number 10 times in last 4 month.
Call after call they say - "The request has been put. Your account will soon be unlocked".
And yet 4 month later nothing changed.

I contacted the customer service department for Bank of America on 6/29/2020 for 2 fees of $2.50, posted on 6/22 that should not have been on my account. I had been in a small town on 6/22 - 6/23 for a graduation vacation, and tried to remove $20 cash from my account at a local ATM machine inside of a grocery store, to use during the vacation. The town is small and does not have an actual bank branch location there. They direct visitors to this machine. The non-BOA machine asked me to confirm that a fee was okay in order to withdraw the money.

The machine charged me the $2.50 fee, but did not disperse the $20. I tried a second time to remove the money from the same machine, but there was again an error message. The machine charged me another $2.50 fee, but did not provide me with the $20.

The total amount in unauthorized fee charges was $5.00.

BOA made matters worse because the 2 representatives I spoke with on 6/29 did not provide me with accurate information. The man I spoke with first, on 6/29, told me that they had to classify it as a merchant error or bank error. It was a merchant error, but the man told me returning the fee through this route was not possible. I would have to submit a dispute.

I was then transferred to a woman who told me she had created a dispute claim for the two charges, and had also created a complaint for the company to fix the machine. She told me the temporary credit for $5.00 would appear on my account on 6/30.

On 6/30, the temporary credit did not appear. I called back BOA to follow-up and make sure the claim was submitted, and the first woman I spoke with, on 6/30, laughed about it, and said no claim was submitted. The transactions in question were fees, and therefore not eligible for the dispute process.

She said it generally takes 24 hours to process the credit, indicating that it might not yet be 24 hours from the time when I spoke with the representatives the day before, and forgot that it was Tuesday.

The second person I spoke with told me that no claim had been submitted because it was a fee, and that there was nothing they could do about it. She explained to me how some ATM machines charge clients a fee when they put their card into the machine that they call an inquiry, and also a fee to remove money. In other words, it would have cost $2.50 just for putting my card into the machine, and $2.50 for removing the money.

I told her that explanation made it seem like the machine was stealing money, because the machine did not disclose that it would charge multiple fees ahead of time. I do not like money being stolen, or BOA being okay with this happening. I then asked to speak with a manager, or another representative, and she put me on hold for a while.

I called back a final time and spoke with a Dianca around 11:26am. Dianca was very helpful, and said she was able to get both fees reversed. She wanted me to fill out a survey for her service. When I checked my account though, the 2 fee reversals still had not posted.

I am still waiting for the refund of both unauthorized fees.

The grocery store where this incident occurred was aware of the ATM machines occasional errors. One of the cashiers expressed frustration with the machine. He said that it was frustrating because they get charged fees each time they want to get money out.

I have been a long time customer with many account I deposited a check on 6/29/2020 which is being placed on home until 7/8/2020. This is entirely unacceptable. As much as I love the bank services during a pandemic to hold a check that will clear in 2-3 days until the next weeks makes no sense. I will going forward find other alternatives to depositing large checks. I will drive to the bank check written on to cash from now on.

Was a BoA customer for almost 15 years, during coovid things got crazy and we paid the card off but forgot the interest so technically not paid off. Then they cut my credit limit with no notification to $500 they would not restore or chance anything even after it was paid off again. Canceled my account.

I added my checking account online to make a payment last month. Instead of adding that account, the bank instead attempted to debit a closed account, which of course failed. As a result, they charged me for a bounced check and locked my account. The last person I talked to said the hold on my account would be removed but he lied. I can no longer view any statements or perform any other action on any of my accounts there. Attempting to contact customer service is almost impossible. I have been placed on hold for over a half hour before hanging up. Terrible way to do business.

Dear Sirs,
Currently I am unemployed and received thru the state of South Carolina a prepaid credit card to which my unemployment benefits are loaded. With out warning on June 11 th the risk department has flagged and closed my account. I have called for several days the risk department waiting 1 1/2 to 2 hours each time to speak to someone to no avail. The risk department has hung up more than once before speaking to me. Now I am on day 5 without the availability to use my funds @ 3500.00 dollars.
I am planning on letting the Charlotte news and state of South Carolina credit commission to be aware of this fraudulent risk threat. I see on line once they flag a risk they charge you a research fee as well as blocking your card. I plan on suing Bank of American.
This certainly should not be happening during a pandemic.

SARA Mehr
122 Tupelo Drive
Greer, SC 29651
[protected]

Been a customer of boa for over 25 years. Accidentally made a double credit card payment of $2100 each. Called boa and rep told me it would take 7-10 business days to refund my money on one of the payments. Phone app showed indicated a -$2100 pending transaction until june 14th and it disappeared. I checked my bank and no transaction had been made into my account. Called boa again and rep advised that there is a 14 business day review period. I asked for an escalation and was advised there is no escalation point. I asked if anyone could contact me when this was finalized and was told no there was nobody that would do that either. I've been unable to find anything online where I can file a complaint directly with the bank. Why does it take 14 business days to determine that a double payment has been made and just transact the money bank to my bank? Why is there no escalation process? Why is there no means to file a complaint online directly with the bank? Haven't seen a customer service survey from boa yet either. Very frustrating experience.

On 6/11/2020, Amazon called me to confirm an order for $414.00 to be applied to my card. Which I told them I did not order anything. They gave me the information on the person who did this, which I'm sending to you. He has probably done it to others. This man needs to be stopped! I did call pronto and have my card cancelled. Please do all that you can to stop this guy! This is the info on him. Walter Smith, 1785 Vesta Drive, Chicago, Illinois 60631. US. Phone # [protected]. Thank you in advance for any assitance that you can do on this matter. My email address is: [protected]@triad.rr.com