Bank of America

My issue began March 3rd, 2021. I made a reasonably high dollar purchase online using my California EDD unemployment prepaid debit card: issued by Bank of America. This raised a security flag & temp locked my card. This is common & so I called in to verify the charge and unlock my card. The agent I spoke to was very stern & was speaking to me the entire time as if I had done something wrong & even made the remark " this Unemployment scenario is terrible, between that and everything going on nowadays never a bad time for a little retail therapy to keep you people sane". A condescending blow because he's referring to people who were laid off due to Covid as "you people" & then another additional blow to me personally regarding where I spent MY own money, which he had ZERO idea what it was actually on & was making an assumption based on the merchant from where it was bought & my previous account purchases. He validated that last part because after putting me on hold for 30 minutes to review my account he returned to inform me " after a review of your account we are NOT going to remove the hold/block on your card at this time". "You are going to need to contact your "sponsor" (which is OBV EDD) and have them submit to us a completed BENEFITS ELIGIBILITY VERIFICATION form. A what? First of all one does not just contact EDD and have them do anything. Lets just clear that part up. Getting EDD on the phone is another task that you basically need a masters degree in doing.

I contact EDD finally & am informed there is no ACTUAL Form persae. Its more like they just verify all my personal information with me and then its updated and by them continuing to to issue me my bi weekly unemployment benefits via direct deposit into my Bank of America card account th6e system on B of As end will reflect there are no more issues at all. Because why would there be any. Let me rephrase that in one of the simplified contexts I have had to use with Bank of America to TRY and get them to process the issue at its core. EDD is saying " Your account is fine. There are no issues with your claim, no issues with verifying you & no further actions we are able to take that we haven't already to inform B of A of this. We are going to continue to deposit money for you into your B of A account, every two weeks that you certify. " For the past month ANY time I would call B of A they would verify EVERY piece of verifying info they have for me including sending a code to my phone and my security question I setup. Then they would tell me they still have not been notified that my claim is verified yet by EDD. Keep in mind one of the questions they ask me when verifying me when I call is
"when was the last deposit from EDD made"? Which is usually a few days prior because I call these people every couple days. Some will tell me they COULD unlock it if they could get direct info from EDD. Others will tell me their system won't even allow it. Most will literally gaslight me and tell me I NEED to call EDD this is their issue. And some will just repeat " You need to contact your sponsor and ask for the form". On April 12th I was somewhat lucky enough to reach an EDD agent who was determined to figure this out. He filed what's called a EBP ID ISSUES LOG with the EDD technical support team to try and fix it. But still was certain and confident that there was nothing more EDD can do. I began contacting B of A daily at this point explaining to every agent at their high level dept called: RISK what was going on, all the points & repeating over and over there is nothing more EDD will do this is a Bof A issue. Why are you ignoring the fact that I am still getting payments!? Not only that but when I login to the app I can't even see my account balance or account history at all. They have all the info blacked out.

Then something different finally happened when I called in on April 22nd. They placed me on hold and then spoke to someone and came back & said okay so you will need to go into a Bank of America branch with TWO forms of ID and then have the branch manager either call us or call us and then hand them the phone & then we can unlock the account! So to verify I said "You want me to actually go into a public building to show 2 forms of ID & speak to the bank manager & basically give him or her no choice but to contact you & you want me to hand over my own device that my mouth is near everyday to speak to you?" And this is on the assumption that I am able to even leave my house or feel comfortable enough to go into a bank? If I have had covid recently (Which I HAVE. 2 weeks ago!) im just SOL? L regardless went into the bank the following day with two forms of ID & the manager contacted them after explaining this whole story to him & they said my card would be reactivated in 24-48 hours. Tuesday rolls around and would you believe me if I told you that the CARD STATUS IS: LOCKED. Still! So I call Bank of America back and talk to them I tell them I went into the bank etc etc. The agent at RISK tells me " Well then you are going to have to give EDD a call because this is obviously an issue on their end"! LOL. WOW. I hit him with all the logical points because B of A also fails to adequately note ANYTHING. So also keep in mind I have to Re EXPLAIN EVERYTHING I just did EVERYTIME to EVERY person. Which also keep in mind has resulted in more hang ups and transfers due to the rep being to lazy or annoyed because they dont know what to do then you care to know. And the hold times to get to these reps has been up to 2 hours max. Anyway. After re iterating to him AGAIN his final response is this: "Oh" here is the issue "You need to contact your sponsor EDD & have them complete and send over a Benefits Eligibility Verification form. I hung up.

This has been going on for 2 months. EDD has been actually polite and helpful and BofA has been rude, unprofessional & very condescending 90% of the time and been providing me with false and misleading information. I am relying on this money to support my family. Both of my grandparents lost their lives in a disturbingly difficult battle with this virus not even a month ago & it we weren't even able to hold a funeral service. Our children are suffering because our benefits have been unavailable for 2 months while they continue to accumulate as I certify every 2 weeks & still have not been able to return to my job. Please if there is anything you can do to help I am begging you to do so. I dont know where else to turn with this.

I am writing this letter to express my dissatisfaction regarding the unauthorized currency exchange that occurred during a recent cross-border transaction involving your institution as the correspondent bank in the United States. On Feb 4th, I instructed my trading partner in Kingdom of Saudi Arabia to transfer $26882 to my account elsewhere. However, the credited amount was in Hong Kong dollars, resulting in a significant financial loss of $470 and, more importantly, severely damaging the long-term business reputation and trust between me and my supplier.

I demand an immediate investigation into this matter and the full refund of the $470 loss caused by the unauthorized currency exchange. If this matter is not resolved satisfactorily, I will have no choice but to file a formal complaint with the Financial Conduct Authority (FCA) in the United States and take further legal action if necessary.

Enclosed are the transaction details (UETR:dabb80b4-3023-45b3-82d6-07d8f0e350s9), including copies of the original instructions and any relevant communication. I expect a prompt response within 7 days outlining the steps taken to rectify this situation and the timeline for the refund process.

On April 2023, I had a distressing incident of fraud with my BOA business account. I received 4 wire transfer intended for me, but unfortunately, it was credited to an incorrect account number, again (4 wire) and none of was credit in my account. Despite my repeated attempts to rectify the error, all four wire transfer were credit to the same incorrect account which belongs to an entity in Tennessee. However my account is located in Florida. Despite contacting with customer services department upon discovering the error and providing all necessary documentation, including police reports, etc. The sender's bank of Idaho has requested BOA to reverse the wire transfer that were made to the wrong account under fraudulent pretense and after 3 months (August 2023) Bank of America did determine that the account was fraudulent and sent a check of $1,540.40. However, it has been 9 months since I reported the incident and I have not received any updates or resolutions regarding the recovery of the funds missing. ($ 118,862.00).

I am writing this letter to express my dissatisfaction regarding the unauthorized currency exchange that occurred during a recent cross-border transaction involving your institution as the correspondent bank in the United States?Bank Of America?. On January 15th and 18th , I instructed my trading partner in Haiti to transfer $45000 and $35000 to my account elsewhere. However, the credited amount was in Hong Kong dollars, resulting in a significant financial loss of $1732 and, more importantly, severely damaging the long-term business reputation and trust between me and my supplier.

I demand an immediate investigation into this matter and the full refund of the $1732 loss caused by the unauthorized currency exchange. If this matter is not resolved satisfactorily, I will have no choice but to file a formal complaint with the Financial Conduct Authority (FCA) in the United States and take further legal action if necessary.

There are the transaction details (UETR:56a214f6-0f1f-48cd-aac1-85784240fe54 and 8cf16ca7-03e5-433d-9845-fbd46fb803fc) . We send email to Bank Of America on February 19th with any response so far also today we called occ customer assitance group and I expect a prompt response within 7 days outlining the steps taken to rectify this situation.

Best Regards,

Songhu Chen

good day im shane sapat and im very disappointed in the servicers i was given im currently in south africa and i cant use my bank card or app due to me try to sending money through wire to my south african bank account i no longer have a usa number cause im in my home country now and no one can help me ive spent alot of money on calls to the bank which no one can help me with a simple task ive been struggling for 3days! please reach me on my email [protected]@gmail,com

on 2-17-24 on about 1730 est time I called in to report my credit card as lost or stolen #[protected].. the service I got was terrible. From a total of five calls being placed on hold for two hours,speaking to several employees and supervisors from several different states, to include fraud and online services. To spending a total of 4 hours and nothing resolved.I was told by Cyle and Maria in fraud that they had no record of the updates to my acct phone numbers that I had given to agents earlier and that it was after hours they could not verify my new number that I had given earlier the previous day.No notes from previous 3 hours on the phone.I was told the mobile app was down around 8pm and to call back in an hour, I called back 3 hrs later and it was still down.I was asked a security question about a car I never owned but belonged to my wife before we got divorced, I was told they could not send me an email verification because it was after hrs by maria #vvvly, who told me she had no notes from cyle, who promised that my card was locked and would not be able to be used.When I asked him to send a confirmation or email to verify he said he could not. When I asked maria if she saw any notes from cyle she informed me no. Then she promised me that she would make sure it was locked but I had to go into a B/A

I applied and received a credit card through Bank of America in the town that I currently live (Albany, Ga.)

All Bank of America banks in Albany Georgia have CLOSED... the closest one is one and a half hours away.

For whatever reason... Bank of America CLOSED my account... reporting to the credit bureau, that it was closed at my request which was and is NOT TRUE... I NEVER made a request to have my account closed. Which DOES NOT make sense, as the card that I PRESENTLY have in my possession has a $0.00 balance and it DOES NOT EXPIRE until September 2024.

This is totally unfair and unacceptable... and when I tried calling to discuss the matter... I have NOT been able to speak with a human being.

I have made 8 phone calls within 5 weeks. 7 calls had a minimum of 45 minutes until the phone was picked up. I have spent more than 10 hours in total without getting a solution on my problems with online banking. Representatives were friendly, but nobody knew how to help and supervisor was not available. Obviously poorly constructed website with errors and which does not show a user any useful options. A true nightmare. Incompetence at its best.

On January 10, 2024 in the middle of the day I was working at my home office when I got a call from Bank of America. This individual said it was urgent and needed immediate attention. This person said there was a fraudulent charge out of Dallas Texas this is possible because I just flew from Chicago through Dallas and into Los Angeles where I live The Bank of America fraud phone number displayed on my phone. I’m familiar with this number because the last couple months I’ve had other fraudulent charges on my credit cards with Bank of America. The individual said they needed to do a digital conversation on my device so I granted this they said they also needed to check my Zelle and cash app accounts, this all happened within minutes before I knew it I had $25,000 through Zelle and cash app removed from my account at the end of the call. They infected my iPad and my iPhone which made them in operable. Fortunately I had a third phone I called the fraud department right away at Bank of America turns out these individuals were masquerading as Bank of America employees I filed a claim with Bank of America within a week they said there’s nothing they can do so now I’m stuck with $25,000 out of my accounts after doing extensive research online online I realize that there’s tens of thousands of Americans throughout the country getting scammed through Zelle cash app through Bank of America

I messaged Hencin Inc. regarding 2 charges to my credit card . I have not received the items and wanted them to check this out for me. In order for them to do that they needed me to pay a one-time fee (refundable) of $5.00. When they sent to Bank of America to collect payment it was denied. They were trying to charge me $55.00 instead. So I do not want to proceed any further with them. They misrepresented what they told me.

My name is Deron Fisher and I own a business called 3Strikes Technology Consulting and have had a busines and personal checking account along with a personal credit card with Bank of America for about 17 years. For the first 15 years I did not have any issues and my account was relatively quiet. Around June of 2021 I went into the branch to verify my EDD Bank of America account and mistakenly answered a question wrong on my test (suite number in a condo I lived in 15 years ago) and then I seemed to have gone into an algorithm and about 3 times a month my accounts freeze up and there is nothing I can do about it. When they freeze my accounts fraud prevention does so at all levels leaving me without capital or everyday walking around money for food and gas etc. Worse yet they have an issue with my phone number and indicated they can NOT verify using that number in fact it has reached a point where the fraud prevention team says they have 2 numbers for me but both are not eligible to be verified and the only way my account can be verified is through a text message to the non eligible phone numbers? To make matters worse they insist I must go into a branch and verifty by using 2 pieces of ID at the branch. Incredibly inconvenient and my current circumstance is I lost my wallet and the bank will not verify me without a picture ID which I do not have since I am waiting on the CA DMV -- 3=4 weeks. They are denying me access to all my funds for this period of time. I have gone in and "verified" over 75 times the last two years and you much schedule a formal appointment with a banker to do so now.

Good morning I am writing to you after a full week of trying to get a real person to answer my phone calls I even googled how to get a real person to answer at Bank of America. I want to speak specifically about the branch and male branch manager at Rock Rd. and Harry st. in Wichita ,KS . I opened a checking account that was designed to never allow you to be overdrawn if the funds were not there the purchase was to be DECLINED. Recently I made several purchases and noticed what appeared to be a refund although it was not noted on my account as such so needing to pay bills I withdrew the money with FULL CONFIDENCE that if something should try to come through it would be declined keeping my account from going negative. In the next days I see my account is negative by over two hundred dollars. The next day I went INTO the bank because it is a FACT that the branch at Harry and Rock will not answer phone calls this is an issue that I have complained about many times. On arriving I asked to speak with the manager of the branch immediately he appeared to be very irritated and frustrated and flatley refused to offer any solutions to fix an account that clearly WAS NEVER to go negative . I was even further shocked by him standing up and asking me to leave when I began to question WHY this had happened and WHY the phone was never answered to customers. I have been a teacher for over forty years if I ever failed to answer a parents phone call there would be hell to pay and by the way one of his responses to me was "Do you know how many phone calls I get in a day?" actually no I don't and further more I don't care IT IS HIS JOB!. My account remains overdrawn and I remain angry and very unhappy with the customer service from a branch and bank that fully touts superior customer service. I challenge you today to get through to a real human being at the Rock and Harry branch, if you get through please keep your word Bank of America and take my account out of negative and keep your promise to a LOYAL customer.

The Bank manager by the name JOSH ZARLING at this location:3260 preston road plano ,tx 75093 was very unprofessional towards me this morning , at exactly 10:12 am when I visited the bank for a banking transaction.

His attitude was belittling , he spoke to ME in a condescending manner .

I noticed that , when others customers came in his attitude was different with other customers , in that he was more patient and attentive to their needs,and very professional as well.

He used condescending languages many times during my encounter with him at the bank lobby today .

He criticized my ability to use bank app in making international transfers.

" Have you try using your phone , criticizing my skills and intelligent, ignoring how I felt , and disregarding my exlanations about why I visited the bank .

He downplayed the purpose of my visit and my feelings at the same time .

I found out .that I

was suppose to have a credit card acc # [protected].that was written off in 2021. I never received a bill or statement from your bank. I did not have account with your bank and I was charged taxes on this account. I notified the IRS that this is not my account. I would like to find where the statements for this account were mailed too.

I filed a complaint about someone that I did not authorize tried to debit my account I even furnished proof that this company I had done business with in the past debited my account for money I had already paid back the funds were put in my account when I borrowed but anyone with an education enough to read could have viewed my account to see that the money had been paid back through withdrawals long before they debited my account for an amount way more than what I had borrowed I fault this battle disputed then called disputed again and then called I called emailed filed and sent documentation by email and by mail to prove my claim but they still sided with the online scam lenders and left my account in the negative the account that I have had with the bank since 1994 almost 30 years b ut indtead of helping a long time customer they sided with the online loan company that can present anything they choose to verify what they did but what they did is steal or tried to steal my money and bank of America assisted them in doing so they are terrible they use to be a great bank but they have gotten where they just don't want to be bothered and then two days ago they force close my account I do not know what happens next but I did not owe this and they gave them what they wanted and punished me for their actions and then I hear we appreciate you being a long time bank of america customer yeah right sure have a bad way of showing it and too by the way I showed proof that I filed a revoke authorization with this same company when in fact they ask for more money and I told them not to try and withdraw money from my account nonw of my records mattered I got treated wrong

On November 17 at 14:07, I attempted to deposit 68 $100 bills into an ATM (ICAD4141) located at the Irvine Industrial Complex; the funds were to be deposited to my account ending in 2658 using my ATM card ending in 9587. The ATM had a distinct sign acknowleding that the machine could accept up to 75 currency bills. The machine took several minutes to digest the cash input then prompted me to manually input on the keypad the deposited amount, $6800. The transaction completed soon thereafter and I received the attached receipt for a deposit total of $300! I immediately went into the branch and was warmly greeted in the lobby but then promptly referred to the branch manager who promptly acknowledged no empathy or guilt and suggested I call the phone number on the receipt [protected]), which promptly put me on hold and suggested I register for a call back. I did as instructed and receceived my Claim ID #. I had my American Express bill EFT landing at my account on 11/18 for which the $6800 deposited would easily cover along with maintaing my minimum $1500 balance to avoid finance charges. I asked branch personnel what options I had to make sure that debit would be paid given the ATM error; I was offered no concilliatory suggestions. I'm shocked to not have received by now something more than seeing 'Researching Claim' in my claim's listing in my message center. The missing funds have put my account into an undesirable liquidity crunch right when I needed the moneys to be available for the holidays and year end giving! I would guess that ATM's reconciliation happened Friday night or Monday at the latest? Why haven't I been contacted or had my error resolved?

I recently applied for the auto loan. They kept workaround for a week; this causes my order was canceled. In order to keep my order, I had to sign finance with my dealer. After that, I called them to cancel the car loan; they said the cancel was requested. After 2 weeks, I still saw my car loan. I called them again. They said they had not received any check from the dealer. I called my dealer and they said they had not received any check from Bank of America and asked me to request the check tracking number or any proof that they sent the check. I called bank again and they could have not provided any tracking number or proof they had sent the check and required me to pay the interest until the loan is canceled. They just kept ask me to call this department and others but no solution was provided. I write this review hopefully help some one to avoid or be careful when deciding to apply the loan with Bank of America. Please be careful!