Bank of America

After moving to a new address Bank of America froze my account to credits only denying me the ability to pay my bills rent and food. I’m 91 years old and the bank will not provide me with any explanation bc it’s with the Risk Department and their number of the investigator in risks number rings without a voicemail. The bank is offering no resolution and says I have to wait.

Dear Sir/Madam,

We (Prem Dhakal & Sanu Dhakal) are husband and wife. We had joint account ending 2454 which was closed due to withdrawn money to purchase equipments from SNAP store New York. Therefore we closed the old account and open new and transfer all money. Being Zero( 0) balance, SMUD has suggested me to request Bank of America to send email not to charge extra fee being zero/insufficient fund/ balance because we had made automatic payment in each month. As we paid from new Account of Bank of America.

SMUD Email :

www.cusomerservices.org

Our SMUD Account Number:6166700

If our apartment ask and PG& E ask to pay extra fee I will write you again to send them also email.

We have not anything wrong. Extra fee charge is being as a punishment for us

Attached herewith SNAP Store where materials were purchased.

Looking forward for your kind suggestion / response

Please sent us email: [protected]@yahoo.com

PH: [protected]

Prem Dhakal

Sanu Dhakal

7640 Auburn Blvd, Apt# 34

Citrus Heights

CA 95610.

Sent from Mail for Windows

I am writing about an issue which remains unresolved even though the complaint has been almost 1 year and 2 months/14 months old as I will describe below:

1) On February 10, 2022 at 11:52AM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Christopher, Senior Investment Specialist with Merrill's Live Chat team concerning unable to use my Bank of America Debit Card at numerous Bank of America ATM machines at different locations to conduct money transfers from my Bank of America, N.A. Advantage Savings Bank Account to Merrill Edge® Self-Directed Cash Management Account® (CMA® Account) Investment Account which I had been able to do with the last successful transfer transaction on November 2, 2021. The linking of the Merrill Edge® account to the Bank of America, N.A. Debit Card is a feature mentioned on page 6 item #90 of the Merrill Edge® Self-Directed Cash Management Account® (CMA® Account) Disclosures and Account Agreement which can be found at:

https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrilllynchself-directedcmaaccountagreement.pdf

which states:

"Account Linking to Bank of America Debit Card

90) Certain Merrill brokerage accounts can be linked to a Bank of America

debit card . Linking your brokerage account to your Bank of America

debit card allows you to access your brokerage account at most

Bank of America ATMs . If you choose to link your brokerage account

to your Bank of America debit card and you also have a Merrill-branded

deferred debit Visa card for your brokerage account, both cards will

remain active with their respective PINs; however, your Merrill card

will not be able to access your Bank of America deposit accounts .

Please note though that any limitations applicable to the card being

used (such as daily cash withdrawal limits) will apply when that card is

used—regardless of the account being accessed . Linking of a brokerage

account to a Bank of America debit card will allow you to transfer funds

between your brokerage accounts at Merrill and your deposit accounts at

Bank of America when using your Bank of America debit card."

2) On February 11, 2022 at 1:51PM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Alexander, Senior Investment Specialist with Merrill's Live Chat team in Chandler, Arizona as a follow-up to the same unresolved issue who basically escalated the issue and said to live chat back with Merrill Edge® in a few days for a status update on my case.

3) Between February 11, 2022 to March 11, 2022 - I called both Merrill Edge®, Merrill Lynch Wealth Management and Bank of America, N.A. The response from Merrill Edge® and Merrill Lynch Wealth Management was this is a Bank of America, N.A. issue as the ATM machines belong to Bank of America, N.A. and they do not have access to view the debit card logs of the transactions performed at the Bank of America, N.A. ATM machines. They would then transfer me to Bank of America, N.A. customer service but never staying on the line to do a conference call so both Merrill Edge® and/or Merrill Lynch Wealth Management, Bank of America, N.A. and myself can all talk to each other at the same time so I had to explain the situation each time and eventually the Bank of America, N.A. customer service representative will transfer me to their supervisor who confirmed that the debit card transaction logs would show the error of connection lost to host which meant Bank of America, N.A. machines have trouble connecting with the Merrill Lynch, Pierce, Fenner & Smith, Inc. servers which means either the connection was refused, connection timed out or some other technical issues. Bank of America, N.A. also said that only Merrill Lynch, Pierce, Fenner & Smith, Inc. can link their accounts to the Bank of America, N.A. Debit Card while Bank of America, N.A. is unable to access Merrill Lynch, Pierce, Fenner & Smith, Inc. accounts while Merrill Lynch, Pierce, Fenner & Smith, Inc. can access Bank of America, N.A. accounts.

4) On March 11, 2022 at 2:05PM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Alexander, Senior Investment Specialist with Merrill's Live Chat team in Chandler, Arizona as a follow-up as requested to the same unresolved issue from the February 11, 2022 at 1:51PM Pacific Time when the live chat ended communications who basically said the issue lies with Bank of America, N.A. as it is the Bank of America ATM machines which is the issue and Merrill is unable to help resolve the issue and escalated the case again.

5) On March 11, 2022 at 3:05:45PM Pacific Time - I received a e-mail from Alexander, Senior Investment Specialist with Merrill's Live Chat team in Chandler, Arizona as a followup to the March 11, 2022 at 2:05PM Pacific Time when the live chat ended communications which said:

"$My First Name and Last Name$,

Thanks for contacting us, I’m glad that we were able to connect on what matters to you most. Good news, we have found the solution to your ATM debit card issue. Our BofA technical team reviewed the ATM and the error message in question (Host Not Available) and concluded that the debit card reader is not working properly. Please call BofA to order a new replacement debit card. If you have any questions or would like to discuss further, please give us a call at [protected].

You can also access more tools for investing by visiting merrilledge.com.

We look forward to hearing from you again soon.

Sincerely,

Alexander "Last name"

Investment Specialist

Merrill Lynch, Pierce, Fenner & Smith Incorporated"

6) Per the March 11, 2022 at 3:05:45PM Pacific Time e-mail mention in 5 above, as requested, I called Bank of America, N.A. customer service on March 12, 2022 to order a new replacement Bank of America, N.A. Debit Card and received a new card with the same

7) After receiving the new Bank of America, N.A. Debit Card and until March 30, 2023 - I had attempted to use the new replacement Bank of America, N.A. Debit Card at numerous Bank of America ATM machines at different locations to conduct money transfers from my Bank of America, N.A. Advantage Savings Bank Account to Merrill Edge® Self-Directed Cash Management Account® (CMA® Account) Investment Account and ofcourse had the same exact issues as mentioned earlier.

8) On March 30, 2023 at approximately 10:37AM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Elizabeth to inform her that I am still experiencing the same issues as 1-7 of mentioned earlier. Elizabeth was extremely rude and basically saying this is a Bank of America, N.A. problem and there was nothing she can assist with. She also argued and said that Merrill representatives cannot access Bank of America, N.A. accounts when I know for a fact that when a securities brokerage business and a bank are under the same corporate roof, the bankers do not have access to the securities accounts due to their license while the securities side has access to the banking accounts as I have experienced this with both Bank of America, N.A./Merrill Lynch, Pierce, Fenner and Smith Inc. and other financial institutions that have a banking business with a securities business and as a example, I already stated that when I visited a Bank of America, N.A. banking center to open a Bank of America, N.A. depository account, it was a Merrill Lynch, Pierce, Fenner and Smith Inc. representative who opened the bank account directly using their computer without needing assistance from a Bank of America, N.A. representative. Elizabeth basically said she would escalate the issue and then immediately closed the Live Chat without even giving me a chance to respond, which is extremely poor incompetent customer service.

I would like to see this issue resolved so transfers would work as it previously did between Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith, Inc. accounts as if it would look really bad in the financial services industry to their competitors for the two companies and Bank of America Corporation as a whole when they cannot even fix a problem within their own organization that is a advertised client feature in writing.

in December 2022 I recieved a 1099 stating PUA unemployment16,799,the problem is I never recieved any payments because I never rcieved my card.On Janary 10,2023 I called bank of america they informed me that I had 2 claims 1 for 5,135.41 claim number #[protected] and second claim for 18,477.26 claim number #[protected].on March 03,2023 I called to check on my claims and both claims were denied reason being that they did there research and found that by the documents they relied on in making this decision they say that either I gave someone permission to use my card or I authorized the purchases!I couldn't believe what I was reading at no time did any agents tell me I had aright to fax in the documents that I had to prove these accusations wrong.On March 12,2023 I faxed over the police report I filed complaints with the FCC and the CFPBI also emailed my att orney generals office and made a report to the FBI for fraud and Idenity theft.I also requested the documents they used in there investagation which I still have not recieved.On march 16,2023 I called to check on my claims and I found they did reconsider the 5,135.41 and that amount was adjusted back onto my account.As for the second claim of 18,477.26 to this day march 30,2023 I still haven;t heard what there outcome will be I was told they have 45 days to investigate.Im super confused both claims were from the same account just diffrent cards so how can they approve one but not the other?And another crazy thing that happend was somebody got a hold of my debit card and made more unauthorized purchases.How can bank of america not catch these transactions before they get out of hand?As of today i'm stillwaiting for my funds to be credited back onto my account it's a 50/50 chance.I do not like to gamble I just need a solutionIt is crazy the agents treat me like I did something wrong when they or the ones who let this slip through there fingers.

I was unaware that n6 benefits had been stolen until i received my 1099g feom them. I finally got a hold of boa and filed myclaim. The first 2 were denied. The 3rd one is still pending. I have dubmitted all the documrbts necessary to back yp my claims. However, it tas been iver 60 days and u have heard kothing of it. I have been struggling with cystomer service vecause 5hey do not seem to want to gelp. I am currently goin thru a funancial.hardship due to identity theft snd need this to be resolved quickly. Thank you.

Between December 2022 and January 2023, a scammer got a hold of my debit card and made unauthorized purchases for Bitcoin. I was sent a denial letter recently. Prior to that, Bank of America took the money out of my mother’s account to pay back what was the result of the overdrawn balance, and nobody contacted me to take care of this issue. I have filed a police report stating that I was scammed.

I am writing this complaint on a public forum to help other consumers that are impacted by fraud facilitated by Bank of America. On the weekend of March 18, 2023, I received an official looking letting from Bank of America entitled declination. I scanned the envelope and document and did not see any obvious signs of a scam so I instead perceived this as identity theft, identity fraud, and financial fraud. I should note that I have not had a Bank of America account in about 10 years and I will never again bank with this obviously illegal organization. I called into their fraud department to inquire, report, and request resolution but the only answer that I received was apathetic and obviously scripted. A few of the representatives targeted me for harassment for which I rightfully defended myself. I have now filed complaints with all financial regulatory boards and have requested escalation for the resolution of these apalling crimes. A week later, on March 23, 2023, I received a call by a man who used the alias Edward Hill in regulatory complaints who provided no useful information. He advised of the following:

1. He admitted that Bank of America did in fact facilitate the creation of two deposit accounts in my name by a fraudulent and malicious party and could not explain how or why this was possible or what measures would be taken to prevent this going forward.

I remained steadfast and vigilant trying desperately to figure out why this bank would now attack me so blatantly not once, not twice, but now three times.

He refused to be accountable for this organizations illegal activity or provide a cognizant or legitimate response. Instead, he unprofessionally disconnect the line to remove himself from a conversation that he did not and could not answer for.

I sent a copy of the letter received on March 18 to Bank of America on the same day.

In addition to this complaint, I am now contacting the State of CT Attorney generals office.

I received a letter this past weekend from Bank of America thanking me "for your interest in opening a deposit account with us." I did NOT try to open an account, and this letter indicated it was a "declination notice." I called every possible 800 # I could find for Bank of America, and without a card # or phone authorization #, I was not able to connect with anyone. This was fraudulent activity and it's something Bank of America should be concerned with. But they evidently don't want people to be able to actually talk to them, so they make it so only customers can.

bank of america froze all 4 of my accounts for fraud activity which they determined wasn't from my end. still they had all my 4 accounts on hold and could't pay any bills or rent. bills accumulated and I was charged late fees and I could't us my debit card to get groceries or gas in my car for a bit like a month or more. the fraud department would't give a true reason and kept lie after lie on a date which my accounts would be freed to use. I went into a local branch and the bankers and managers would call the fraud department and only putting us on hold and switching us into different fraud departments. all of this was with many different days of attempts throughout the month. after so many attempts like 15 in total or maybe more, my accounts were finally unfrozen. I was punished for someone else. i am now stuck with additional charges on my rent and bills because of this. still bank of america is punishing me and removed me from being able to ever use zelle. i have been a bank of america customer since 2008 18 years. this is how they will treat a valued customer. i could't access any of my own money not even withdraw in person at the bank. for all this time I had to borrow money to get by and I have a family of 5. bank of america left to struggle and yet I can not use zelle again and that is how I pay some of my bills and child support and how I get money paid to me. bad business and the corp should really be ashamed of them selves!

I Opened account with Bank of America and out of nowhere they closed the account. They said they didn’t have to disclose the reason and they didn’t give me a notice as they said they did or I would’ve withdraw my money.

They said they were going to return my money in a cashiers check. But the money never came. I’ve called three or four times, and they say that the check was issued and sent to my place but it never came.

Now I’m calling and they say I have to wait 120 days until they re-issue another check or I have to wait until this check is returned. This is the most inconvenienced I’ve ever been by a professional bank.

The customer service is terrible regarding this issue. They act as if I’m a non-factor now that they closed my bank.

They said they couldn’t even track it because they didn’t put a tracking number on a cashiers check.

Having to go months without my money is outrageous. They took it within 30 minutes but now I have to wait three or four months to get it back no matter the hardships I am enduring.

#Terrible

BofA accepted a payment for a credit card account that had been closed for two years.

Why does today’s online BofA statement show there is a credit balance for that “closed” account?

After multiple calls to customer service representatives who assured us the account was indeed closed and that we would receive a full refund within 10 days, we sit owing overdrafts and late fees to other financial institutions.

Also BofA posted duplicate payments for the same amount to a new credit card account.

I recently decided to have cosmetic work done and I found a clinic which advertised on facebook. I spoke with a representative (Melissa) of the clinic and and was satisfied with the answers provided. I made a deposit to schedule future payments for a service which I planned to schedule for a much later date. However, once the deposit was made the merchant was no longer available. I then contacted the surgeon who had no Idea who I was and knew of no such deposit. Immediately realizing that it was a scam, I contacted BOA, who stated that because I have NO expected service date, there is nothing they will be able to do. I informed him that I spoke with the office of the actual surgeon who had no record of any services to be rendered. The CSR apologized and stated that the only that I could do is continue to try to make contact with the merchant who scammed the deposit from me in the first place. I guess I'm S.O.L

On 6/6/22 I file a slip and fall complaint with Snellville GA Bank of of America complain assign 7/14/22 c236801357-0001-01 sedgwich claims [protected] fax [protected] I am disputing decision made without knowing where I fell until after he made a decision and after asking for doctors who I contacted than a week later it's could be the reason for fall he didn't find a course of what thew me down in parking lot part of grass before decided my claim.

This is about my Prepaid debit card from b of A now i got arrested in aug of 2021 and didn't get out until dec 2022. anyways when i got out i received my mail. Well anyways i got a card from bank of America so i went online cause i didn't have a phone seeing i just had gotten out. So i went and logged in my account and there were transactions from aug 21 too sep 21 in the amount of 3450 dollars. So i emailed bank of America and explained my situation. then i got a email back telling me i would have to call the claims department because they couldn't help me by emailing me. So, i went ahead and called em and they filed my claim. I didn't think of anything else i would have to do. so a week passes and i call to check the status and the lady told me to fa my id and a paper stating i was in jail. sent them the very next hour. soo after a day i call and they received my fax. still pending so i called a couple days later and a gentle men got on the phone and told me its looking good that my claim should be over on feb 13th and from what he can see I'm getting my money back but he just didn't know exactly when but soon he told me, SO then i called a week later just too see and a lady got on and said ohm mam Ur papers were hard too see imma write a note here stating this is your proof of incarceration ok but its still pending call back in a couple more days. On feb 13 the day my claim would of been up i call them, Some lady answers and tells me my money should be on my card by the night time and its closed and she was done with me,, well something jus didn't add up cause every agent asks me my personal information for security purposes and this one just didn't ask me anything besides my card info and my name that was it.. so the next lady gets on n tells me my claim was in fact closed and i got denied i am pissed cause i did everything they told me to do so i can get my money back. So i reopened it ion the 13th and the lady told me to file a police report within 5 days and once they receive it then i would get my money back. so i went and did that and faxed the papers too them and now i got told they received them but it would take another 43 days for them to reconsider my claim like wtf... i sent in papers proving i was in jail during the times of the charges my id and police report like really there Gunna say i let someone use my card and its like really all my [censored] got thrown away when i went in and when i came out my ebt card has been being used cause i went to go apply and they told me my case was active and i had to cancel the one that someone else had of mine and they tried tro ger a loan in my name from speedy cash but failed at that... but IM HOPING TOO GET SOME GOOD NEWS HERE SOON BUT EVER REP I TALKED TOO GAVE ME DIFFERENT answers from being told i was getting it too getting told denied,,,,, get it together people

On 1/30/23, I had lost access to my mobile accounts. I kept getting "Account Locked", "No match found. Please create new User ID and Password. Thinking it was a bug with the system I went into BoA to make a deposit, and my debit card wouldn't work. The teller was able to locate my account with my SSN, and I was able to complete my transaction. I asked the teller what came up on their end when I tried to use my card, I was told that their system just couldn't find the account. Nothing else out of the ordinary, even after pulling up my account.

I thought it was strange that my mobile account and my debit cards weren't working, I figured maybe my account had been locked. So I called the customer service to resolve the issue, and was informed that my account was closed. And to quote the CS rep "As of 1/30, Bank of America determined that it no longer want to do business with you". I do understand banking regulations that Banks can drop customers the same way a customer can drop the bank, but it seems incredibly odd this even occurred. My account was in good standings, and it's active, so I don't understand why I was dropped as a customer. It puts me in a bind at the end of the month, because I have deposits to make and bills to pay.

I received no notifications my account had suspicious activity, no one contacted me, I didn't receive any letters that froze my account. As a matter of fact, my email was still getting bombarded with auto loans, mortgages, etc from BoA. The closure was so abrupt, and CS couldn't tell me anything.

I think it's outright shady business dealing by BoA. I've been a customer since 2008, I've had periods where I've maintained a balance on a checking account that was better suited in a savings. I've been a customer for 15 years, and I don't receive any contact on account closure at all. It's unprofessional. I had 0 time to prepare, and look for alternatives. I have payments due the next day and no bank account to make payments out of, I'm scrambling to ask my CC for a few extra days while I resolve my banking situation.

I'm not upset at the closure, it's whatever. I understand it can happen. It's the abruptness and randomness, the fact that it happened out of the blue doesn't sit right with me. Just a little bit of prodding around on Google, I discovered I wasn't the only one.

I had a $200 overdraft some how Bank America let someone come in my account withdraw $1,400 no matter how much I disputed the charge. They paid it anyway, yet quarterly they owe EVERY member 250K minimum that the draw from their TRUST ACCOUNT which is your SS# and signature. They NEVER gave me probably you either your unearned interest. No bank can close account without our permission check into it…

I was a Bank of America customer. I woke up one morning and checked my checking account on line, only to find that there was a 50.00 debit from my account. I contacted Bank of America and put in a claim with their Account Resolutions Department. The ARD checked the charge and told me that it was a debit that was done on my account using my debit card at an ATM machine. They provided the address of where the debit had taken place and when I looked the address up, it was the address of a Thorton's gas station not far from my home. I then remembered that I had went to that same gas station the day before and purchased some gas and chips for my children and when the cashier prompted me to put in my pin number to complete the purchase, I did. After I thought about it, I called the ARD back and explained to them that I was not the person that used my debit card at that ATM. I explained that I was at home in by bed the previous night and there was no way that I could have used my card to make a debit at that ATM. I did go to purchase chips and gas however I did not complete an ATM debit. The ARD went on to explain to me that they could process the claim and refund me the money until the investigation was complete. I was told that if the investigation turns out that it was not me that made the charge that the money that was credited to my account would remain, however if the claim was investigated and they find that there was no fraudulent activity that the money that was deposited by the bank would then be reversed and taken back out of the account. I was also advised to cancel my card in which I did, and I went to the local BOA branch and received a temp card until my replacement card came in the mail. I was okay with that, until two days later it happened again, only this time for 200.00. I immediately contacted the bank to advise them of what had transpired for the second time. I was told basically told that I would have to go through the same process as I did for previous claim, and so once again I followed their instruction. In fact, the ARD sent me a claim form to fill out and sign in which outlined the same thing that the phone rep in the ARD had already explained to me. Days passed and I received a letter in the mail about two weeks after both incidents and the letter stated that the credit in which they had placed in my account would be reversed as they had researched my claim and found that the person that debited my account must have used my pin number to do so. I begged the representative to understand that I had never shared my debit card pin with anyone and I begged them to look at surveillance camera's at the location and they would see that it was not me. I begged them to please understand someone stole my money and I do not know how they did it because I had my card in my possession the whole time. Another claim was entered but this time the money was reversed and nothing else was done about my claim. About a year later I was watching the "I Witness News Team" on channel 7 and they were covering a segment on scanners that placed are strategically placed over key pads and are used to memorize pin numbers and steal money from people's account through scanning their cards and pins. I learned that people had been using scanners underneath the key pads located at different places and apparently Thorton's gas station in Round Lake, Illinois happened to be one of those locations. In short, after all of that turmoil, the ending result was I closed my account due to the fact that the balance had went into negative status and Bank of America placed some sort of hold on my account that I am unable to open an account at any other banking institution. I feel upset due to the fact that I trusted this bank, I am not a rich woman, I live from paycheck to paycheck and my banking institution allowed someone to rob me and get away with it.

As per an article I read online concerning the amount of fraud and scam claims that have been occurring at the number 2 bank in the Nation, Bank of America, I searched for an answer on why BOA will not reimburse customers on a scam, only a fraud. BOA states the reason is, "when involved in a scam, the customer is the one that removes the money, not the criminal." While this is true, the criminal is able to steal all personal information about BOA customers via their website including Social Security numbers, bank account information including all of customers telephone numbers, address, marital status. The customer did not give this information to the criminal, they were able to infiltrate the banks site to obtain all of this. Why as a customer of BOA for 48 years should I not expect some security from the bank. I realize that these criminals are often not even in this country, but why should I lose all this money. I was involved in a scam with a alert on my PC from BOA stating that he was a Federal Employee, and he needed to let me know that my bank accounts have been compromised and that I needed to protect myself and it goes on. Why is it not BOA responsibility to reimburse me? Yes, I removed it and the only reason why is I fell for it, they are very good at what they do. I would not have done that if these criminals weren't able to get my information from my BOA account? I am 68 years old, recently lost my husband to leukemia and now I am trying to help my son and his family financially because their 5 year old little boy was just diagnosed with leukemia. I am not able to make this up! Who makes these decisions to throw out this case? Is it a team that goes over each scam and just says no because their customer removed the money? I was so frightened, they knew my every move, they knew when I stopped at a store to get a sandwich, they knew where I lived, they even knew that I was a widow and lived alone. I was so scared that I just did what they said, when my family spoke to me and convinced me that this was not BOA, but it was the scammers, we went to the Police station and filed a report, they even knew that I was talking to the police because they texted me while I was there saying, haha, you still lost! I don't know how BOA can make a blanket rule that they will not cover scams as this is a big part of them not being able to protect their customers

After having this credit card for 17 years, I decided to transfer a $10,000 bill to this credit card. The minimum payment was $104 or so dollars, however, I started with a $500 payment in June of 2022. In July I paid $150, more than the minimum due. I paid the August bill early, instead of waiting for the 8th. I paid it on July 29th of $150. Showing I pay my bills on time. I continued with September payment on the 5th for $100.

I must mention, I get my bills the old-fashioned way, by mail on paper so I can keep track of payments.

I did not receive a paper bill for October.

In the beginning of November, I received a bill for over $350 stating that I was overdue the last three months. I was shocked and confused! I immediately paid that bill and set up for automatic bi-weekly payments, so I didn't have to wait for the mail, or no mail as was the case here.

I figured all was well until I received a letter dated November 11, 2022 stating that Bank of America decided to reduce my credit line due to past delinquent payments! This made my credit score tank from 798 to 578! I attempted to talk with multiple people from Bank of America only to meet with rude angry "customer service" people. One of the final ones said she could change my credit score anytime she wanted and if she wanted to lower it for now reason she could. She then accused me of not paying my bills when they were clearly online bill payments. I told her I had paper statements and she again said that was impossible. I had her on speaker so my husband could help me and hear this as well. I told her I had that statements in front of me and she said impossible and hung up with me. I called equifax a week or so later to dispute the claim and how it ruined my credit. On December 7th, the claim Bank of America made against me was removed and my credit went up. Four days later, Brenda with Bank of America calls me apologizing for the trouble and said she would put in an investigation to fix everything. She gave me a case number to follow being # 221209DRCT000048. I tried calling the other credit bureaus to fix it with them and I am in waiting.

I decided to call Bank of America and see if my credit line was fixed due to this error and if things were good. I mentioned that the balance was paid off in

December 2022 and wanted to hear the outcome. The number I was given to follow up was called and the representative had me on hold for at least ten minutes. She sent me to a recorded line that only spoke? Spanish? I have no idea! The customer rep's that I have tried to talk before today have either sent me to a recording that didn't give an option to speak with someone or they have hung up on me. I have not been given a chance to clear my credit when I was honest in my payments from the beginning. Now I am getting ignored and sent to dead end phone messages. I will never use Bank of America again! The customer service is appalling! If my credit score didn't need the credit card on my account I would cancel it. However, I need it to show I have more credit than used.

Hold on multiple checks - I run a service business where the same 50 customers give me checks every month… On December 29, 2022 Bank of America put a 10 day hold on 30 checks… Ridiculous these are the same checks I get from customers every month-they all were stamped on the back there's no reason to place a hold on these scam shame on you Bank of America!