Bank of America
reviews and complaints

I received a BofA Letter dated 04/03/24 & I'm Paul Cote' & my Claim is #240213543968 & I agree BofA should Close this Case & go ahead and Charge me, because it wasn't my fault & not yours! ETSY was NOT telling you the Truth! 1) First they charged me an extra $45.00 shipping for the Delivery of on 02/09/24 & I received it 03/10/24, with No Notice or Credit! 2) When ordered ETSY had stated on the Order that if I was Not Satisfied they would Credit me the $602.60. 3) The Purse was in Poor Condition when received, with NO Reply from the many emails from me, that was also sent to their supplier! I live in MI & the supplier is in IL - if I lived in IL, I would taken them to IL Common Pleas Court! You accepted their story & not Mine - a Very Long Customer with BofA - my email is
pcote.paul.[protected]@gmail.com

After reading numerous reviews from customers of Pacific National Bank of Nantucket, it is evident that many individuals have faced challenges and frustrations with the bank's services. Customers have expressed dissatisfaction with the bank's customer service, citing unhelpful and rude staff, long wait times, and poor communication. Additionally, there have been complaints about issues with account access, delays in resolving problems, and lack of accountability. Based on the feedback provided by customers, it seems that Pacific National Bank of Nantucket may not be the ideal choice for those seeking reliable and efficient banking services.

I got distraught and stopped the card. But soon I knew mine was protected from such scam. They immediately sent another with a hologram so as to prevent copying it.
Also when I went there for current exchange or something, they recommended a couple of cash-reward cards. I am using them and pleasantly getting the cash into my account...

I CURRRENTLY HAVE 3 DIFFERIENT ACCOUNTS/ 3 DIFFERIENT BANKS. AND FIND THAT ALL FEES ARE ALMOST SAME... NEVER HAVE A PROBLEM WITH SLOWNESS OF INTERNET SCREENS... BANK OF AMERICA ALWAYS READY TO POP UP... LOVE THE 2ND LAYER OF SECURITY PAGE... AND CAN ALWAYS CHAT ONLINE 24-7... WITH A LIVE REP!... I TRUELY FEEL LIKE A VALUED CUSTOMER 100% OF THE TIME... WITH BANK OF AMERICA!

I went through absolute chaos dealing with fraud at my last bank. I decided to try Bank of America in Homer Glen, Illinois and had the lovely opportunity to meet Cheryl Kasper. She was absolutely amazing, very patient and so helpful in every way possible. Opening a new account was very new to me and she walked me through the process with such ease and made it an exceptional experience! So beyond grateful for her!

Let's start with the Bank of America Branch in Clifton, this Branch is very Professional place to Bank.Jossue is an incredible promblem solver he jumps right in to make sure your getting outstanding service his team is amazing. I'm impressed with Jossue communication skills he has an amazing work ethic his great knowledge make us the customers at ease knowing that you're dealing with someone who really cares. Jossue Bonilla job well done YOU ROCK!

Bank of America is not really the best bank. In fact it's the best at very little. It's big and impersonal and everything sort of works fine but really not that well. However, I would say that for a small business owner, Bank of America payroll is a good deal. It's much cheaper and perhaps even easier than most of the big payroll companies like ADP. Sure if you have a big business ADP payroll might be the only way to go, but for us small guys Bank of America Payroll isn't half bad.

I am honored to give another compliment to Bank of America located at *** Tomball Parkway, Tomball Tx ***.The entire staff there is wonderful.Ms Belinda Januszewski gave me excellent service this time. All of my questions were answered in detail with her ending by asking me did she make herself clear and my esponse was yes very clear. Business mixed with a positive attitude is an assess to a posperous business. The staff at Bank of America in Tomball Tx makes my drive of 45 minutes worth it every time. Thank you, thank you, thank you.
Cynthia

We have been BOA customers for years with little to no problems. We always go to the smaller branch office near our home and know the tellers and personal bankers and they recognize us. We are also good customers -- we don't bounce checks, don't miss cc payments, don't demand unrealistic perks, come informed and prepared for discussions. We also have concentrated our accounts (and let them know it) so we don't pay a single dollar in fees.

Regarding the website -- I am very, very pleased with the online transfer and bill pay features. The bill pay is by far the best feature of the website, imho, as you can select a larger-well known company and have all the mailing info provided or you can enter your own pay-to person/company. We have never had a payment go missing or late and they guarantee the payments -- if something happens on their end that causes a late payment, they will cover any penalty fees.
Been using online bill pay for_years_ and have not found a better or more comprehensive bill paying service. Though I do recommend keeping all tracking numbers, we have never had a problem.

Check out all the banks and find what fits your needs. We personally recommend Bank of America.

[Just a quick story about knowing the tellers and them recognizing us -- my kids were collecting state quarters for a 50-state quarter map and I mentioned to the teller that we were missing 7 of the 100 quarters. She wrote down the 7 missing ones, gave it to all the tellers, and they collected the quarters for us over the next 2 weeks! Asked me at the drive thru if I could come into the bank because they had a surprise for us! I took a picture of my kids with their completed maps and sent it as a thank you! It IS about customer service and our branch is amazing!]

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!

So, I just opened an account with Bank of America and let me tell you, the customer service is a bit of a mixed bag. I've had to call them three times in the past two days and the first call was a complete waste of time. I received an email saying my application was approved, but there was an issue with my deposit and I needed to sign in to online banking. The problem was, I didn't have a password or username yet because my account was brand new. The representative I spoke to on the phone told me I couldn't access my account over the phone because it was too new and they didn't have enough information to confirm my identity. She said I would have to go to a physical location to access my account, even though the closest one was four hours away in Philly. Needless to say, I was not happy with that response and hung up.

About an hour later, I decided to try again and the second representative I spoke to was much more helpful. She asked me a series of questions to confirm my identity and told me that since I live outside of the "footprint area," I could get my account information over the phone. That was a relief, but when I tried to sign into online banking, I needed to verify my account and the only option was by text. Unfortunately, my phone was stolen a few weeks ago, so I had to call customer service again.

The third representative I spoke to was somewhere in between the first and second in terms of helpfulness. She told me I needed to change my phone number and it had to be a cell phone. I was not happy about this because I've never heard of a cell phone being a requirement for a bank account. She also said that because my account was so new, they couldn't confirm my identity and I would have to drive to Philly to change my number. Obviously, that was not an option for me, so I told her that. She then informed me that they had sent a package out to me when my application was approved and if I waited until I received it, I would have my debit card and be able to confirm my identity and change my phone number. When I asked her about the special questions the second representative had asked me, she said they didn't have anything like that, but I knew she was wrong because I had just gone through that process.

Overall, I'm hoping that once I receive my packet and set up my online banking, things will calm down and I won't need to call customer service again. But for now, I'm a bit wary of Bank of America's customer service.

Bank of America is a bank that I would not recommend to anyone. As a Canadian, I had high hopes for this bank when I opened an account with them. However, my experience with them has been nothing but a nightmare. Before opening the account, I asked the bank manager if I could increase my point of sale limit temporarily for a large purchase. The manager confidently said yes, so I drove three hours to the States to open the account. I even called the bank two weeks ahead of my trip to inform them about my travel plans so that they wouldn't block my card when I used it in a different city. I also called them to confirm the increase of my limit, and they said it was no problem at all.

But all the CRAPS started to happen when I was on my vacation trip. First, they still blocked my card even though I informed them that I would be away. I called them, and they unblocked it, but the next day, it was blocked again! Second, I was in a store to purchase something very LIMITED, and the store would not hold it for longer than a few hours. I called BofA Customer Service, and they REFUSED to increase the limit for me because my account was TOO NEW. I called my branch manager, and she said it was impossible and would call them to find out. I was calling back and forth long distance, and finally, I called the branch again and was told the "Branch Manager" LEFT for the day. What the hell? She didn't even solve the problem and left home?

So, I didn't have any money except the USELESS bank card. My only option was to fly to the closest city, which took a 5-hour flight to get my money! Finally, I called a friend to make a wire transfer to pay for the merchandise. After many days, I was no longer a new customer. Again, I had to purchase something else and called customer service to increase my purchasing limit again. This time, I was told the MAX limit was only $5000. What? Because it could go up to the balance, and I confirmed this when opening the account. Now it's changed? Why did I deposit LOTS of money, and nobody set a limit? And when I want to use my own money, there are so many restrictions?

Ok, fine. If I can't use the card for a large purchase, I thought I could do a wire transfer. But guess what? They only allow $1000 for each transfer! $1000 for a wire transfer? Are you kidding me? To go beyond that, I have to get the verification code to my cellphone. And guess what? My Canadian phone won't work! So how do I get my money? Drive 3 hours to the branch?

It's stupid enough that all these craps happen. I want to use my own money, and there are so many restrictions! I am finding a new bank. No more stupid Bank of America, which I thought was the largest bank in the US.

We have been through some tough times as a business, especially with COVID affecting us. However, we were finally making progress when a customer gave us two payments for a large sum. Unfortunately, when I went to deposit the check at the Bank of America ATM, only one out of the five machines would accept deposits. To make matters worse, the bank is now holding an in-state check for nine business days, claiming that there is a lot of fraud on their ATMs.

My husband was given a number to call, but he has been on hold for hours over the past two days. It's frustrating to think that this line might be for irate customers that the bank doesn't want to deal with. In the current world we live in, this kind of treatment is unacceptable. If the bank continues to push hardworking businesses into nine-day holds, someone might act irrationally.

When I called the branch, they told me that they would try to push the check through. They also mentioned that their ATMs had fraud, but how is that the consumer's fault? We are just trying to complete a project for a terminally ill customer who wants to see her kitchen and apartment done before she passes away. It's frustrating to think that Bank of America is making it difficult for us to do our job.

Why does the bank want to hold payments for nine days when they have the capability to see funds clear automatically? These funds have already been pulled from the customer's account, so who is messing with who here? The only bright spot in this whole ordeal is the one competent lady at the branch who is sweet.

It's now day three of waiting for the check to clear, and we are at our wit's end. Bank of America needs to get their act together, or they will soon lose customers like us. We understand that no person or business is perfect, but we pay our fees and don't complain. However, if the bank doesn't start picking up their phones and getting things done, we will be pulling our two business accounts and personal accounts back to TD Bank or Chase. At least they seem to have their stuff together.

I recently had a terrible experience with Bank of America that has left me without a driver's license and auto insurance. On December 20, 2021, I deposited $375 into the ATM, but the machine malfunctioned and only accepted some of the money. It returned some of the money and printed an error receipt with a number to call. When I called Bank of America to explain the situation, the customer service representatives, managers, and supervisors accused me of lying for over 10 hours. Finally, I received a refund of $175 and was told that I would receive the other $200 on Christmas Eve. However, I never received the $200, and when I contacted Bank of America, they canceled my account and denied my claim.

This has left me penniless with auto insurance and child support due. I was fired the night of the incident, and now I am without a driver's license to get back and forth to work and no insurance. Bank of America denied my claim and is still denying the fact that the ATM made a mistake. I have screen shots of my account that morning where they didn't know what I deposited, but they have changes on each of the screenshots I took at different times where they had different balances and amounts that I deposited. When they say I had a receipt, it didn't show the amount I deposited. They canceled my account and denied my claim even though they credited half of it.

I wrote to the ombudsman, but they are throwing it off on other organizations because they are scratching each other's backs. I don't trust Bank of America. They are a trillion-dollar company who would not credit me $200 that they owe. They were my friends during every direct deposit that went into my account, but as soon as I caught a mistake, the customer then becomes the enemy. They will not admit it, but the fact remains they credited $175 and didn't have any proof of that until I told them that the ATM accepted $175, and I had to keep forcing it to accept the rest.

Bank of America made me lose my license and my car insurance has canceled because of their greed. If people stop funding these banks, they will crumble. They are true bank robbers, the executives, and the ones that close accounts and deny claims just because they have robbed customers of their money. That's how they prosper, and the organizations that look the other way when they commit their crimes, whether they make an accident look real or they can bank statements look realer than they really are. Bank of America messed up my account so bad they had to delete it. Look at each of these statements took at different times the night of ATM malfunction. Each transaction is different, and each one is different at different times. They were calculating my account, but it wasn't correct, and when I caught on to it, they deleted and canceled me. They still didn't have the correct amount on my account and deny they might attempt to assassinate me. I don't put anything past an evil team with money.

I want to share my experience with Bank of America, and let me tell you, it was the worst time of my life! I was going to another country for an indefinite period of time, but I still had to pay for some baggage to be dispatched. So, I called the credit department to close my account 10 days before my travel date. However, they misunderstood me and started the process to close both of my accounts!

I didn't realize this until 6 days before my travel date, when I found out that all the money I had in the bank had been withdrawn and sent to an address that I no longer lived at. I immediately called the bank to figure out what was going on. They lied to me and said that everything was fixed and that the money would be back in my account in 2 business days.

But, 4 days before my travel date, they blocked my access to the bank app, and I was unable to log in anymore. I had to drive to a financial center to get some help reopening my account, but I still didn't have my money back. They started a new process to give the check back to my account, but it would take 5 days. The problem was that it was a Thursday, so the earliest they could give me the money from the check was Monday night.

If that wasn't bad enough, it doesn't end there. I called the bank again on both Friday and Saturday, but on the second day (2 days before my travel date), they gave me a fake option. They told me to open a new credit card, and once it was created, I could create a digital version of the account and use the card right away. This way, I could afford to pay for my baggage, and once the cash was in my checking account, I could pay it off and close both accounts.

But, when I tried to create a digital version of the card, they didn't let me do it. I called the bank again, and they told me that they had given me the wrong information. I wasn't able to use that account until my credit card was in my hands. They lied to me about the hope they gave me and put me in a situation where I had no money and a travel date the next day.

The associate was able to give me the card number and expiration date, but not the security code. They were not able to create a digital version of the card. Now, I had a travel to do the next day that I couldn't cancel because I had nowhere for the money to go. I didn't have money to pay for my baggage, and Bank of America was forcing me to leave the country without any food or my baggage. All because they made a mistake and accidentally took all my money from my debit account.

I don't recommend Bank of America to anyone! They don't care about their customers or their situations. They don't care if they make a mistake and put their customers in a worse situation with no money. I wish I could show all the audios I have to prove it.

That was my experience with Bank of America, and it was a nightmare.

Today was a good day. I finally paid off a card I had with BOA for several years. Out of all the banks I have dealt with, BOA has been the meanest and least honest to the average consumer. They constantly lowered my credit limit when I was only able to pay close to the minimums for a couple of years, even though I was always paying it and other bills down faithfully. This caused my credit score to go down and led other banks to increase my interest rates with them. BOA was at the heart of the 2008 financial collapse and screwed millions of people for years. Their executives did not suffer, but the average person did. As the economy got back on its feet in the Obama years, BOA resumed all of its anti-customer habits and gained a reputation for bad service. When I closed my account, I looked on the website to see where I could register a complaint about the service, but nowhere could I find a way to do that. They have pages bragging about how much they give to the community and how great and noble their history is. Want to contact them about anything? Every link is a promotion to buy something. This is a perfect example of why the megabanks need to be brought down. We would be vastly better off if the big banks were broken up. The megabank crowd likes to play the China card that America needs "American" banks. These banks are about as "American" as the North Pole - no nation, no loyalty. I am glad to be free of them and of Chase and Citibank. They are thieves masquerading as "creators" and "financial innovators."

Me and my hubby decided to open an account with Bank of America online. We did it on a Wednesday and got a message that we needed to go to a branch to finish the process. So, we went to a branch in a big city with cash and our driver's licenses and proof of address on the same day. We live in a small town 200 miles away from the nearest Bank of America branch. On Friday, we tried to transfer more money into the account, but we were told that the account was frozen by the fraud department. We called the 1-800 number and waited for 40 minutes on hold. Finally, we were transferred to the fraud department, but we got put back into the generic 1-800 hold line for another 40 minutes. We were told that we had to go to a branch to resolve the issue. So, we had to drive 200 miles back to the branch, and the branch manager dialed the "direct line" to the fraud department. We waited another 40 minutes on hold with the manager sitting in front of us. Finally, we were told that the account was initially locked because Bank of America couldn't identify one of us. It was strange because the same branch scanned both of our driver's licenses when we put the cash in the account, but somehow that was not enough. We were also told that Bank of America closed the account and issued a check two days later on Friday. I asked the branch manager to cancel the check and give me the cash I brought in. I also wanted the account to remain closed and to be given a letter of the account closure. However, the bank couldn't cancel the check, and I had to wait 21 days for the check to arrive.

The good news is that I got my money back in check format. However, I kept getting statements showing a $0 balance for the account, as if it was still open. I also got a letter saying that Bank of America could report me to a credit agency. So, I wrote a letter to Bank of America asking for a letter confirming that the account was closed so that I would not get any charges for not having enough funds in the account to have the account with zero fees. I got a letter back saying that I needed to call the Risk Account Closure department for assistance regarding my account status. I spent another 40 minutes of my time on the phone, and I was told that the department could not issue me a letter saying that the account was closed. The generic letter that Bank of America sent me saying that they could report me to a credit agency was the only letter that they provided for account closure. I may get statements for up to two more months. I asked who the appropriate governing agency for the bank was so that I could file a complaint. However, I was told that Bank of America was not obliged to tell me the regulatory agency. The manager also would not provide me with identifying information so that I could document the representative at Bank of America who told us that he was not authorized to write a letter saying that Bank of America closed account #X on Y date and was not required to provide regulatory body information. The manager refused. I asked to file an internal complaint with the bank, but the manager said that he would file a complaint, but he would not provide me with a copy of the complaint. He could not guarantee that I would receive any response.

In conclusion, I would not recommend doing business with Bank of America. The customer service is appalling. It took a lot of time and effort to resolve the issue, and I still did not get a letter confirming that the account was closed. It was frustrating to deal with the bank, and I would not want to go through this experience again.

I've been banking with Bank of America for almost 8 years now and I'm a Platinum rewards customer. I recently had to contact their customer service agents for the first time and it was a nightmare. The agents on the phone harassed me, transferring me from one department to another without even listening to me or making any effort to understand my issue. It was a frustrating experience that lasted for three long hours. Everyone seemed to be clueless, blabbering without knowing which department could help me. I was in tears when I hung up and decided to go to their Superstition Springs office (E Southern and Power) hoping to get some help.

Six days ago, my debit card details and my online banking details (user ID and password) were compromised due to a fraudulent text I received saying my card had been suspended and I needed to click on a link. The link took me to a webpage that looked exactly like Bank of America's. I immediately called their customer care and reported the fraudulent activity. They transferred me to their fraud department, cancelled my compromised debit card, and suspended online banking. As a student and future healthcare provider, I work 14-hour days in the middle of nowhere with zero signal and no access to the internet. I had to wait until yesterday, Saturday Aug 27, to be able to drive back home where I'd have internet to change my online banking details and get my account re-activated. I work 200 miles away from home until the end of September, so without online banking, I have zero access to cash or any suspicious activity on my account. With limited phone signal and a busy work schedule, it is impossible for me to make calls and wait for hours just to get through to a representative who can talk to me.

I called their helpline at 9 am and was transferred to the debit card department, online department, online fraud department, online debit card fraud back and forth a million times without getting anyone to help me re-activate my account. No one knew what was going on. Online banking said they couldn't reactivate it because it was the fraud department who blocked my account. The fraud department said it was the debit card fraud department, who then said it was the Digital debit card fraud who asked me for a claim number which I did not have because I was never given one. So they put me back to online banking and the same cycle went on for 3.5 hours. At noon, I gave up and went to their branch hoping to get some help. The lady was kind and did everything she could. She called their fraud department with me sitting right there listening to the call, and to no surprise, her colleagues threw her in the same loop. She was thrown from one department to the other, just like I was, and she was a manager. I could see the frustration and embarrassment on her face. She was in shock because every agent she spoke to said the same thing, "Yes mam, I have spoken to my supervisor and it is dept XYZ that you need to talk to. I am 100% sure," when the truth was they had no idea, neither did their supervisors who recommended the next department.

Seriously, she couldn't even look me in the eye. After 6 hours of messing around, I got nothing. And this is a Platinum customer, banking with them for 8 years, a professional, needing their help for this one time, due to a very serious emergency (fraudulent activity on account), and this is what I get? I can't even imagine how they treat those who don't have the resources or awareness in their time of need. I will ensure I share my story with everyone I come across moving forward on every social platform and tell people about the absolute communication breakdown that exists between the 10 million departments they have created without anyone knowing what they are supposed to do. Not just with external customers like myself, but their internal teams can't even help each other. The lack of empathy towards the inconvenience this causes to hard-working people like us is shameful and totally unacceptable.

They need to fix their systems and train their staff to be nice, listen, and help. Isn't that what they are being paid to do in the first place? Thanks for nothing. Please feel free to share my feedback with all their supervisors. Hopefully, someone who cares hears me out and lends a helping hand.

I had a really bad experience with Bank of America on August 13th, 2020. I talked to a representative named Vanessa who works in the consumer and small business department. Let me tell you, it was the WORST experience I have ever had being a Bank of America customer.

Here's what happened. I opened a business bank account on August 7th. I called in to open an online account and I was told that I could not open an online account because I did not have my checking account number. I was also told that I had 7 days to fund the account and that I had to go in person to do so since I didn't have my business debit card or my business account number yet.

I called back again a couple days later and talked to another representative to confirm that I only had 7 days to fund the account. I called because a lot of banks are closed in Georgia due to covid so I would have to drive pretty far to get to a bank that is open. Before I do that, I wanted to confirm that this 7 day rule was true. The agent on the phone tells me I have 30 days to fund my account.

So now I have one rep telling me that I have 7 days to fund my account and another telling me I have 30 days to fund my account. But both agents told me that I can open my online account for my business account by calling in once I had my checking account number.

The rep who told me I had 30 days to fund my account sounded less certain to me. So instead of risking it, I decided to waste 1 hour and half of my day and go to the bank in person. Better waste time than have my account closed is my thought.

So I go to the bank and fund my account and get my checking account number. I get home and I call to set up my online account and that's when I had the misfortune of talking to Vanessa.

From the beginning of the call, she sounded like she didn't want to be bothered. She asked me the name of my business and I told her. She said she would put me on a brief hold while she pulls up my account. It seemed odd that she needed to put me on hold just to pull up my account. But that being said, I was okay with that and didn't feel one way or another about the action. But it did feel odd.

Then she tells me she's having problems logging in and asked me if I wanted to call back at another time. I was fine waiting. I just wasted almost 2 hours having to go in person and stand in long lines at first outside then inside. So of course, I was fine waiting and I told her "take your time I will wait".

Then she asks me what I needed help with and I told her I wanted to set up my online account. She tells me I can't because I have not returned some paperwork in the welcome packet. I expressed my confusion because two other reps told me that I could set up my online account once I funded the account in person and had my account number.

Then Vanessa goes on to say I would have to go back in person to set up my online account or wait for the welcome packet. At this point, I was frustrated because I just came from a 1 hour and half trip to the bank. I mentioned setting up my online account to the teller and I mentioned that I was funding my account so it wouldn't close. I also mentioned that I would call to set up my online account. The teller never expressed to me that I needed to set up the account in person.

I told Vanessa what the two other reps told me and I asked her what the rules were in regards to funding my account. She says "I need to transfer you to the sales department because they know those rules. I service accounts I need to transfer you". And I say "I never talked to the sales department I talked to your department and they told me two different things".

She says "I need to transfer you to the sales department because they signed you up". So then I had to reiterate that I signed up online and I NEVER talked to the Sales department. Keep in mind, in this exchange she's raising her voice and I'm matching her voice tone.

I also restated what I was told by two different reps. At this point, I'm so confused I just want to know the rules. So I ask her "Are you saying that you can't find out the rules in regards to how long I have to fund my account" and she says "I'm not saying that".

First of all, she didn't answer my question. Second of all, if she can tell me the rules (keep in mind two other people in her department told me the rules so I don't believe her), why is she trying to transfer me? It's like she didn't want to help at all!

At this point, she tells me to lower my voice. (In my mind, I'm speaking in a way to match her voice tone). Then she immediately says "I gave you an answer and you need to call back another time goodbye!" (she did not give me an answer!). At this point, I'm yelling "do not hang up do not hang up". She puts the phone down for 5 seconds (I can tell because I can hear the background) then she hangs up and I know because I heard a click.

So then I call back and I talk to a different rep and GUESS WHAT! Apparently, I CAN open an account online just like the other two reps said! So I opened my online account! This rep was also very nice like all the Bank of America reps I usually speak with.

So now this begs the questions. Why did VANESSA tell me that I could not open an online account when I could? Why was Vanessa so rude in her tone of voice? Why did she hang up on me just because I was asking questions to get an understanding of the situation (which is a reasonable thing to do when when you were told by two other reps that you could open an online account (and they happened to be right!))? Why did she claim that she could not tell me the rules when that was obviously a lie as well! (all three business account service reps were able to tell me the rules except her)

To sum it up: Vanessa was rude! Vanessa was Wrong and most likely a liar! Vanessa could have caused me to waste an additional hour and half if I really needed to have an online account. Vanessa hung up on me! Vanessa lied! (She lied about not being able to give me the rules pertaining to my account AND she either she did not know that I could open an online account or she lied on purpose!)

The reason I'm writing this is that I want to have it recorded because if there is a pattern of behavior like this from Vanessa, it needs to be dealt with. Everyone has a bad day. If she was just having an off day, that's okay! But I felt like it was my duty to report this because if this is more than just a bad day and if Vanessa has a history of behaving this way, then the Bank of America I know and love should NOT tolerate this behavior and take appropriate action!

My experience with Bank of America has been nothing short of frustrating and disappointing. It all started on March 3rd, 2021, when I made a high dollar purchase online using my California EDD unemployment prepaid debit card issued by Bank of America. This triggered a security flag and temporarily locked my card. I called in to verify the charge and unlock my card, but the agent I spoke to was very stern and spoke to me as if I had done something wrong. He even made a condescending remark about "you people" who were laid off due to Covid and how a little retail therapy could keep us sane. This was a blow to me personally, as he had no idea what the purchase was for and was making assumptions based on the merchant.

After reviewing my account, the agent informed me that they were not going to remove the hold/block on my card at this time. He told me to contact my "sponsor" (EDD) and have them submit a completed Benefits Eligibility Verification form. However, contacting EDD is not an easy task, and there is no actual form to submit. EDD simply verifies my personal information and continues to issue my bi-weekly unemployment benefits via direct deposit into my Bank of America card account. Despite this, every time I called Bank of America, they would verify my information and tell me they still had not been notified that my claim was verified by EDD.

I contacted Bank of America's high-level department called RISK daily, explaining the situation and reiterating that there was nothing more EDD could do. However, the agents would either tell me they could not unlock my account or that I needed to contact EDD. They failed to note anything, resulting in me having to re-explain everything to every person I spoke to. This led to more hang-ups and transfers, with hold times of up to 2 hours.

Finally, on April 22nd, Bank of America told me to go into a branch with two forms of ID and have the manager contact them to reactivate my card. I did as instructed, but my card was still locked on Tuesday. When I called Bank of America, the agent told me to contact EDD because it was an issue on their end. This was frustrating, as EDD had been polite and helpful throughout the process, while Bank of America had been rude, unprofessional, and condescending.

This has been going on for two months, and I am relying on this money to support my family. Both of my grandparents lost their lives to Covid, and we were not even able to hold a funeral service. Our children are suffering because our benefits have been unavailable for two months, while they continue to accumulate as I certify every two weeks and still have not been able to return to my job.

In conclusion, my experience with Bank of America has been a nightmare. They have provided false and misleading information, failed to note anything, and been rude and unprofessional. I am begging for help, as I do not know where else to turn.

As a LONG TERM customer with an extremely good banking history, as well as a great credit rating and history, I was truly shocked by how poorly I
Was treated and 'handled' by the Bank of America 'system'.
I am 70 YOA now, financially stable, and I'd been a customer of BofA since I was a very young man. (Back when the local bank was named Seattle First National).
I had always maintained a great banking relationship with BofA over the many years I had been with them. I also had a Alaska Airlines credit card for at least the past 25 years and used it for specific business related travel and expenses. Because I used it limitedly and specifically there were not regular charges and I usually paid it off quickly when there were charges.
Over a year ago (in 2022), I put an approximately 16K charge against my credit card and set up auto pay payments much greater than the minimum amount due each month to pay it down and reduce the balance rapidly. I made the error of setting up the autopay for only a set number of payments instead of indefinitely. I did not catch that the automatic payments STOPPED and I had a late payment penalty. I went into the branch to correct the issue, not knowing, (not understanding at that time), why the automatic payment didn't work and go through properly. Oddly enough the banker I met with didn't understand either, and whomever it was she contacted via the phone was totally unforgiving. The 'contact', would not reverse the $39 late fee, and could only request a 'review' of the situation. The banker did however assist me with re-setting up the automatic payments and we discovered what was likely my error in setting it up the first time for a set number of payments.
ANYWAY-
When I looked up and reviewed the next on-line statement there was an additional fee from the time over-lap and nothing was reversed or credited.
I went back into the bank and when it was readily apparent that the banker or whomever she once again contacted via phone would not immediately reverse fees and charges, I choose to pay-off the entire balance due.
I was sent thru the teller to do so and based on the conversation I absolutely and honestly believed I was paying off the entire balance.
The TELLER gave me what I could ONLY ASSUME was a Pay-Off balance.
Because I was set up on paperless statements AND believing that the amount I was told, and paid, was the entire amount owed; I paid no attention to my Bank of America account for the next few months.
In January the ANNUAL FEE for being an Alaska Airlines card holder is posted and I looked at the account, only to realize there was a severely overdue balance.
Of what was initially a fairly SMALL amount of accrued interest from the days just before paying OFF the balance due months before. HOWEVER now, in addition, I owed 3 months of late fees and additional interest expense to the tune of over $100 additional dollars.
This time I DID NOT go into the branch, but instead called the number on the back of the card.
I explained everything and pled my case. The ONLY ANSWER I received was that he understood the frustration BUT could only 'request a review' to have late fees, charges and additional interest reversed. ALSO, I had to pay the past due balance before that request could be submitted.
So I paid Just Over $100 and was told there would be little... to no balance due... and potentially actually a credit balance, IF they reversed the amount of the late fees as charged.
Next I dicover my Credit Score has dropped from the high 700s, (even from as high as 798 just years ago), to 676.
Shortly after that, I received a letter from BofA saying my credit card 'credit limit' was being reduced to $500.00 - I called them to re-explain EVERYTHING.
I referenced the Teller having given me the bad Pay Off information and even though I was ultimately responsible for not reviewing my account on-line I hoped that they would take that into consideration because I felt it was paid in full. Almost rudely he told me it was VERY CLEARLY stated in Red on my monthly statements that the statement balance due continues to accrue interest after the statement date.
I mentioned that I was complying with the 'save the environment' movement and did not receive paper statements. Instead of taking it lightly, like the jokingly intended way I said it... again, rather rudely and defensively, he said its in red on the statements AND I am responsible to read my statements whether in paper or on-line. He didn't want to hear about my request and intention to PAY OFF the card... only sticking to the statement and statement balance accrues interest POV; so I doubt that my position was referenced in the request for review YET, I still requested that the $17,500 credit limit be reinstated. I was told that ONLY a request for review could be made it wasn't his place to do anything but place the request.
Next, I received a letter saying the request was denied - primarily due to my 'severely late payment history'.
The letter referenced TransUnion as the main resource of information.
I called, spoke with the credit reporting company representative and requested a detailed copy of my credit report. She could not, would not disclose anything but she said my request was processed and I will be receiving a full copy of my credit report via mail.
To my knowledge BofA is the ONLY creditor that could have reported anything BAD creating the bad score, and so, I am anxiously awaiting the report.

Now, today I received another BofA letter stating my account and request were reviewed; the $39 dollar late fees for November December and January Would Not be reversed and that was their Final Decision.
I called the number on the card confirming the balance due was $94 and change. Because of the Past Experience I reiterated that I wanted a final, total payment amount. Very surprisingly he said that was the correct balance because they can calculate the additional days of interest,, and that's what he already did!
And even though that spoke directly to the heart of my original issue, I let it go and got him to agree to credit back the annual card fee of $99.00 - called it a push, and CLOSED MY ACCOUNT.

After a 50+ year relationship, I will Never do business with Bank of America again.
Saddly, to my knowledge and belief, I really don't think they care.
Wil F.
February 2024

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.

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

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.

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.

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.