Bank of America reviews & complaints 1574
Keywords
account claim customer service deposit temporary credit card credit card fraud customer bank phone number money debit card resolved activated letter police report filed checking account helpNewest Bank of America reviews & complaints
fraud analyst has discriminated against me and is reporting false information in her notes.
2/15/18 I received a call from a fraud analyst named Latecia Nelson. I was told my accounts were frozen for opening a checking account and a fraudulent joint account. I informed her that I had proof and she stated that I needed to fax all proof. I did and I asked her when would my accounts be fixed. She stated that if I had proof, things would be resolved no later than Friday 2/16/2018. I tried reaching her, she never answered. I just wanted to know if she received my documents. My attorneys office faxed them 2 times and I faxed them once. I called and a rep answered the phone and told me exactly what was going on. He mentioned that I was accused of id theft. I was not happy. I do programming in a retirement home for seniors so I do tons of things that they ask me to do. Going to the store, buying medicine, even loaning money. This particular case, I was asked to make donations and give out cash gifts to workers and staff. Given that the residents are seniors, I make sure that every thing is documented because people can for get. Fast forward I got inconstant with a woman by the name of Amber Eden from the escalations department. I really had faith in her. I explained the situation and asked what I could do to take care of the situation. She stated in order to get my accents unfrozen quickly, I would need to go into the bank with the person who supposedly filed the claim and have a banker call the fraud department. We did on Monday, February 26, 2018. We walked into a bank of america branch located at 2163 N. Clybourn Ave, Chicago, IL. We spoke with a Banker by the name of Felipe Juarez. He verified both people even a State certified helper. We spoke with the analyst and the other party stated that she didn't make the claim and she wanted it withdrawn. The banker spoke back to the analyst and the analyst asked the individual extra security questions and she answered correctly. Long story short my accounts are still frozen, the analyst put in the notes that i never went into the bank with the individual. I continue to call and no one wants to help. I finally was told by a rep by the name of Marc that if i went back into the bank and had the banker confirm that i was their, my accounts would be unfrozen. He called and a woman by the name of Rachel stated that she couldn't be sure that the accuser came in. The banker stated that he verified us to the analyst in charge of the case. He even mentioned that all calls are recorded and they have cameras. She insisted they we go in again. Why do i have to continue to go through this. The woman is elderly and i don't want her to continue to go through all this back and forth. Why is the analyst not reporting correctly in her note. Today i was told by a helper of the woman that Latecia Nelson thinks i bullied her into coming and i'm taking advantage of her. The analyst has stopped everyone from helping me and she hasn't even called me to update me. I currently have an eviction notice. I have filed several complaints with wit OCC, BBB, and consumer affairs. This analyst is taking matters into her own hands and even lying on her notes.
visa, mastercard & american express credit cards
I had a checking account with these #@&%'s since 1994 and had VISA, MasterCard & American Express credit cards with them as well since 2001.
2010: They CANCELLED all 3 cards due to "lack of use" and ruined my FICO score. I called them and they graciously opened NEW American Express & VISA cards for me (decided not to get MasterCard).
2017: After making sure to use my credit cards at least twice a year, these #@&%'s again CANCELLED both cards without even notifying me until AFTER they did it. I got a glib, generic letter in the mail telling me my cards were cancelled, again, for "lack of use". When I called, I was told there was nothing I could do about it except apply for NEW cards again.
Then I saw what they did to my FICO score. Oh my GOD! Bank of America totally TANKED my FICO score from 814 down to 652!
I called them and IMMEDIATELY closed my checking account. I will never have anything to do with these [censor] again.
This is a horrible way to treat people, especially when they've done nothing to warrant these #@&%'s to destroy your good credit.
Congrats BofA! You've lost another customer.
bogus overdraft fees!
I bank on-line, and I checked my checking account balance at 9 p.over-drafting. last night, before I went to bed. All was fine, and I knew all would be outright great the next day, since I knew my pay check would be directly deposited. But wow! Bright and early this morning, I learned while checking again on-line that BOA levied a $35 overdraft fee on my account. The ledger presented on-line by BOA shows no negative entries! No item that led to a minus-whatever balance. Just the $35 fee, "conveniently" stolen from me, by BOA!
I called the bank about 9 this morning, only to get a major run-around. I was kept on hold for a long time, and pushed in the number to let BOA call me back some 2 hours later. When the call came, a BOA rep. told me she could not remove the fee, since there were indeed some charges that came in, charges that led to my "overdraft." I told her I see no evidence of any overdrafting, and I insisted she remove the fee, since BOA shows no such overdraft. She said her computer system would not allow removal of that fee! So, I asked for a manager, and was put on hold. The rep. eventually returned to say she still could not reach the manager for me. She said the manager would call me back later. The manager's call came about noon, as I was driving, so I put the manager on speaker, and heard the nonsense, again, about some charges somehow getting submitted to BOA...(I guess in the wee hours of morning, and I guess, BEFORE BOA could first post my paycheck that also came this morning). I told the manager I needed to file a formal dispute against BOA. But of course, I l see no evidence that she granted my request, and I still see that bogus, $35 fee, without ANY written justification by BOA!
bank of america credit card & mortgage broker
Bank of america has failed to understand my situation and did not treat me fairly at all. one year ago I purchased my house cash and I was promised by a BOA mortgage broker that I would be able to do a cash out refinance right away. after 1 month of running my credit with hard inquiries he decided to tell us we would have to wait 6 months ( he knew the whole time) . this forced us to use all of our cash on a renovation and put cost of living on credit cards. on 1/9/2018 i paid off $61, 000 in revolving debt. and shortly after, Bank of america closed my credit card account. I have ALL 10 of my credit card on AUTO-PAY EXCEPT bank of americard. the reason is because a BOA credit card customer service representative THOROUGHLY explained and ADVISED me NOT to set up auto-pay "Because the minimum payment would not stay the same and I WOULD MANUALLY HAVE TO LOG IN, CHANGE IT AND I WOULD STILL GET CHARGED LATE FEES!" THIS WAS TOTAL MISINFORMATION AND I WANT THIS FIXED! I always was frustrated with Bank of Americas credit card because of the late fees and I could have had it on auto-pay the WHOLE TIME! this is extremely unfair and i want this to get fixed! my card re opened. I AM NOW STILL IN THE PROCESS OF BEING APPROVED FOR A MORTGAGE! the bank of america manager i spoke with told me I would have to do MORE hard inquiries in order to re open the account. So now I either suffer credit damage from the account being closed, Or face more hard inquiries to re open and risk not getting approved for the REFI --- this is a TOTAL lack of awareness on customer services behalf and on the mortgage brokers behalf PLEASE HELP!
scam attempt to get account information
Bank of America®
This was e-mailed to me today, I'm forwarding to you for your Security Dept. This is a scam.
Activity Alert
personal checking/savings account
IP-Conflict detected on your account
Dear Valued Customer,
We're letting you know that we've detected multiple IP-Conflict on your online account, which will result to restrictions and closure of your online account, Kindly verify your account below to ensure the safety of your assests and online account.
For verification click http://www.bankofamerica.com/verify to restore and ensure the safety of your Account .
unauthorized credit card charge
My Bank of America Credit Card was declined and blocked due to a charge of a dollar and something because it was considered a test for future fraud usage, This occurred tonight
The merchant is g.copayhelp
phone [protected] which is never answered.
I did not ever give you this card number for any reason.
You have created a serious problem for me and my family by this dishonest Small charge.
I will not provide the card number in this email but please phone me for full disclosure
Daniel Kayfetz
[protected]
[protected]
Please go to CFPB and the FTC. I can almost guarantee your identity has been stolen. I lost everything. BOFA allowed google to take close to if not over 8000 in back unemployment. Mine and yours are not the only instance. I had tmobile service and nobody did anything regardless if the account was flagged for fraud. Google deleted 4000. In charges that the bank had most of. To date even though BOFA flagged it for fraud two days after it started they state they dont have to investigate due to me not seeing the money, i had no clue was there. Kicker I NEVER RECEIVED ACTUAL BANK STATEMENTS NOR DID I LOG INTO THE ACCOUNT. BOFA allowed Google to over draw the account for two weeks, never told me and took the entire next check. This has been a nightmare everything is tied to Google. Please its the little things that you need to watch for lord knows Everyone evolved knew about the 1000's of transactions seconds apart and turn their heads. Pleaseprotect yourself!
late fee on credit card
I have had my bank of america credit card for 14 years. I have my payment set up on auto pay through their website. I recently found since may 2017 they have been charging me a late fee the day after my payment posts! I called their customer service. After holding 40 minutes I opted to have them call me back. 2 1/2 hours later I get a call ask why the fees if i'm on auto pay and I get told I picked the wrong date! Really! It's been right for 14 years why now is the date wrong! I asked if they changed our due date and get no answer just a polite, sorry fees stay, you paid a day late. My message... Hey bank of america there are better cards out there and if you offer terrible customer service to loyal card holders, they can take their business elsewhere! I've already filed a consumer complaint with the attorney general in my state and that's not the end. Consumers have rights and we won't be screwed by big companies any longer.
invasion of privacy, data and security breach
Hello,
My name is [name removed] and On Monday, December 11, 2017, I arrived at the Bank of America branch in St Paul, MN off of Ford Parkway at 4:15 pm, I was making my opening deposit into the checking account that I just opened. As I was making my deposit the teller that was helping me named [removed] was making small talk conversation with me that I felt was borderline crossing the line. He asked me if I'm ready for Christmas? I replied I'm not really stressing over it. He asked well what about your kids? I said my children are grown. He asked their ages and I replied in their 20's. Then he asked well what about your husband? I said no husband. He asked so you're going to be alone? I replied, no, no, no I have a big family (all the while in my head I'm like just give me my receipt so I can go). He saw my work badge around my neck so he then asks oh you work at [removed]? I replied yes. He asks which location? I reply oh not too far from here. He asks like where? I said near [removed] (as I'm still waiting for my receipt). He finally completes my transaction and I say thanks and goodnight he then says he's going to check up on me for Christmas. What that means I don't know but I just walked away and left the bank (in my head I was like creepy/weirdo). I get in my car and proceed to drive home.
My deposit receipt states that my deposit was made at 16:49 pm. As I'm driving I receive a text message at 4:58 pm that reads "Hey [name removed]. Hope it's ok to say hi sometime. This is [name removed]".
I'm like that's the name of the teller that I made my deposit with. I was in utter disbelief and shock! Why is this man calling me? Why is this man still in my account or did he go back into my account and steal my phone#, or write it down when I was making my deposit? But regardless as to when he stole it, the bottom line is that HE STOLE MY PERSONAL INFORMATION, INVADED MY PRIVACY AND USED IT TO TEXT ME!
I trusted the employees at Bank of America with my personal information and that it would be safe and protected, yet this man totally violated the bank's policies and ME!
This man has All of my important information…my phone#, home address, where I work and my social security#. I can't even clearly explain how violated I feel and concerned for my safety. This man was so bold to steal my number and use it for his own personal use so who's to say he will not do the same with my address and pop up at my home or work. What did all information this man take of mine? You do not know and neither do I, which is very unsettling. How many other women has he done this to? This is very creepy and a form of stalking and criminal. Several laws, policies, and laws have been violated by this man. Clearly, a privacy breach, data breach, security breach and my information and life has been compromised by the actions of this man.
I haven't gotten any sleep. Worried if this man is watching me? If I report him will he come after me since he knows where I work and live? Do I have to purchase some mace, a tazor or gun (that I'm totally against)? I should probably look into moving because I don't know what this man is capable of. My life has changed drastically because of this man that knows everything that's important about me and I know nothing about him, not even his last name. All I know is his name is [removed].
I called the Bank of America Branch that this occurred at the next day 12/12/17 and spoke to the Operations Manager [name removed] and explained everything in detail to her. She apologized to me and then forwarded the information on to the Branch Manager [name removed], who contacted me shortly after I spoke with [removed]. She also apologized and said that this will be escalated and I will more than like be contacted by someone else from Bank of America.
I do feel a monetary compensation would be in order, which is what it would take to relocate along with a credit report monitor tracker to be placed on my social security number because my personal safety and security has been breached and compromised. I am afraid of what this person may do with my information at his disposal. I feel this person should be fired from your bank or at least work in a capacity which does not afford him access to public information since he clearly is a character that is ok with violating policies. I sincerely hope going forward you will use this experience in training methods to ensure your personnel is fully aware of the emotional distress this would cause for an innocent patron. I am disturbed, uncomfortable, and just nervous now; when none of this was the case before I walked into your bank. I sincerely hope we can resolve this amicably and I thank you for your time and consideration.
I will be sending a copy of this letter to the Minnesota Attorney General's office, the Consumer Financial Protection Bureau (CFPB) and the OCC and filing a complaint.
What this man did is NOT acceptable and I will NOT take it lightly because I do not know what this man is capable of and he has my social security #, phone#, home and work addresses and I do not know how many other women/customers he has done this to.
Sincerely,
[name removed]
12/13/2017
unethical behavior
Bank of America is no longer reflecting charges made to a checking account by a debit card immediately after a charge is made, instead they are processing everything at the close of the next business day. This means that if your account says you have $500 in it, then you go ahead and spend $200, logic would dictate that you have $300 left to spend. If you check your account online, as I do, it will show the $200 as pending, but the amount will not have been deducted from the $500 that is shown as "Available Balance". The $200 will not be deducted from the $500 until the close of the next business day. What this allows is for the full $500 to be available even when there is a $200 charge made against it. This is incredibly unethical. I am changing banks as soon as possible.
customer service
Every time I call customer service I have super long hold times dropped calls uninformed unprofessional childlike behavior and not to mention rude interrupting me not listening to my concern and having to be hasseled by calling back over and over w unresolved issues, such as lost checks over 20 days... credit card problems! One representative closed my credit card without my permission Bc she didn't like dealing w me. And it was closed even tho I am a excellent customer never late etc. they only offered a secure credit card w my good credit and long time relation w the bank! Again they have disrespectful rude customer service actually the very worst in the world works at BOFA. You need to train better seriously... it's not all about winning for some competitive ego mind game..., it should be about helping the customer.
It's likely the customer service representative didn't want to deal with you because you are not so pleasant to deal with (at least that is the impression I get from your complaint). However if you believe a specific representative is acting improperly, you could try asking for their supervisor.
customer service credit cards
Bank of America and there resolution department Eziilia Lutcher are the worst customer service agents ever to deal with. Go to any other bank these people are a joke after 25 years of being a loyal customer. After a absolutly negative experience with the sly Ezila Lutcher the resolution specialist goon at Bank of America, I have come to the conclusion that Bank of America my bank for 25 years really sucks and could care less about us loyal customers. They closed my credit card of 15 years for inactivity and refuse to reopen it and want me to apply for a new card which I refuse to do unless it is at any other bank. They justified this by a letter they say they sent me that said I had 30 days to use the card or the account will be closed. that letter I never received. Now they refuse to reinstate my card I have 800 plus credit score and a customer of the bank for 25 years never had missed a payment ever. Bank of America is not the only bank and I will now be considering other banking options for the future. In conclusion I think I will sell my BOA stock as I cant be a holder in the company I have grown to feel so negative about now. I will also consider a moving my funds to another bank as this bank is under par in customer relations and I am sure they all could care less. This will be posted on the web to warn others of the bank and trolls that work for it.
Marc S
Boynton Beach FL
Unfortunately it is not unusual for credit cards to be closed or have their limits greatly reduced based on inactivity. I have experienced this personally and it is not unique to BoA.
edd debit card
I live in Northern California. BofA used to have several banks in our area which they closed. It would now take at least 3 hours to reach their nearest ATM.
Now people receiving unemployement and disability are forced to use other bank's ATMs and pay their fees.
EDD should cancel contract with BofA if they are not going to provide reasonable access to ATMs.
charges withdrawn.
I have 2 unauthorized charges.
One in which a check is written to BOA on 10/16/17 for $100.00. See attachment.
My statement makes no indication why BOA wrote a check to themselves.
Additionally, I have a pending NTTA charge of $40.00 that I did not authorize dated 11/10/17.
They asked if i wanted them to charge my card and i specifically said no as they have not made my statements viewable.
I contacted them and they advised its automatic and since they have access to my card they are authorized.
Again I was asked o the phone if i wanted a payment issued and they said it was up to me but still charged me anyway.
The bank is currently closed in observation of the holiday and i do not want this payment to go through.
Your prompt attention to this matter is appreciated.
Thank You
Jade Kilgore
my mortgage delinquent payment ending [protected]
Show this comment to Lawyer Ashley Leigh Pope, so you can finish finding ways to steal money from your customers.
Dear Bank of America Support Team, first I want to finish where I left off, after Bank of America representative slammed the damn phone in my ear after asking for proof of my Oct 13, 2017 mortgage payment receipt. This is the statement she cared not to hear.
My damn mortgage was not paid on the damn 18th of October 2017. You have been hanging around Virginia Employment Commission too damn long, stealing my [censor] money.
Here is my damn receipt for the month of October 2017, not Oct 18, 2017
My payment receipt is Tran 0013 10/13/17 13:25 T1R 00007 Entity NVA CC1011256 MTG *4536 $771.06 Regular Payment.
On September 13, 2017. I had $5, 444.00 in my Savings account. I made a payment for $771.06, it was transfer from my Saving, by phone. My damn mortgage payment confirmation number is 5725P.
Small Business Yahoo.com money and recurring payment was not refunded back to me, your fake transactions show that my money was refunded back to me, it wasn't.
First, I have a statement to make about you. On November 6, 2017. I went in a branch, Victory Crossing Portsmouth Va, I got all my Checking, Saving, Mortgage, Fake Refunds, Debits, stolen credit card, and other miscellaneous accounts, unsolved and disrespectful recording conversations by phone for my unresolved bank inquiry issues, FAKE mortgage delinquents, Fake mortgage payment dates, Fake missing account number from making a mortgage payment, Fake confirmation mortgage payment number, and uncaring LOAN officers and Mortgage Supervisors, disrespectful, argumentative representative, and money embezzlers coached by your (fat funky [censor] Lawyer Ashley Pope, she smell like skunk funk) from both savings and checking accounts. The next time I do a survey on you, I will definitely not say anything nice about you. Tell that fat funky Lawyer Ashley Pope what I said, she seems to be everybody's damn lawyer, and financial embezzler advisor.
I want all my money recovered.
why does it take 10 days to two weeks for a check to clear!?
I was assured that after my first deposit, which took 2 full weeks to clear, I would never have to wait on another check to clear like that. I was told it would be quick like my other competent banks, deposit a check and all the money clears within a business day or two... I carefully made sure, as it was written, that my money would clear by the next business day of I made the deposit before 8pm pt. Of course I got it in at least 45 mins before the cutoff time. After three days, the check still had not cleared! I called customer service to try to expedite the clearance of my check, but I was told it'll clear after 10 days! I asked, how am I supposed to eat, but of course this isn't their problem. Who cares if i'm broke and all the money I have to eat is slowly clearing? Sure as [censor] not bank of america. They're the crappiest bank i've had the displeasure of using. If you want to avoid being screwed by a bank who doesn't care to make right, bank of america is the [censor] bank for you. I'll be withdrawing my money after this and depositing it with another bank. Wiite frankly, i'm more comfortable with the money under my bed than I am with bank of america. They're horrible so beware and think twice about banking with bank of america!
my checking account was closed without telling me
I opened up a Bank of America checking account on October 25, 2017 and deposited $30. Everything went great and the lady Evelyn San Diego was extremely nice. Was looking forward to depositing my cash assistance from my state when the funds came in.
Today October 30, 2017 I went to go log on and it said my account was locked. I thought I entered the password wrong and it locked so I called customer service. After waiting 20 minutes on the phone one of there reps finally came on to talk to me. We went through the HUGE security stuff including asking where I lived previously and kind of car I drive. WAY to thorough for me. After all of that she connected me to the RISK department where I was told that my checking account was closed. She read me this HUGE letter telling me that they have closed my account. Right then I was pissed and hung up the phone. I then chose to visit the branch where I opened the account so I could talk to the manager. When I walked in he greeted me and I asked him why my account was closed. He sat me down, looked on his computer and told me my account was CLOSED! I started yelling at him asking why this happened and all he could do was give me the SAME Risk MANAGEMENT I was already given, plus I was just on the phone with them. So I stormed out, got in my car and found a place to park my car while I call that number again. Well after another 20 minutes I was finally able to talk to a real person and she told me the exact thing I was told TWICE. Supposedly Bank of America can close your account whenever they want, which is SO wrong! My girlfriend uses the same bank and she is just as pissed as I am!
checking account
In May 17, 2017, I requested a $400.00 claim and Bank of America refused to return it to me because s.f. superior court had made fraud. In 9/10/2016, I had open my claim with Bank of America and in June 16, 2016, I open a claim again because I did not see it started my claim. My claim #[protected] had not responded and I have spoken to Ms. Denise Wilburn @ telephone# [protected] ext.# 383215. I have already tried to resolve it with attorney general(complaint#697838) in June 23, 2016 and Kamala D. Harris stated that her department does not work complaint for an individuals.
Resolved
checking account overdraft fees
I am writing this email to file a complaint to your company for excessive overdraft fees and misleading on-line banking information as it resorts to available balance information.
I recently opened my account with bank of america I am a small business owner and I wanted to establish myself with a bank that will support my efforts to grow my business. Bank of america is very supportive to small business owners and women entrepreneurs. Alo my very first job was at bank of america back in 1999, so what better place than bank of america to build my banking relationship with.
As a small business owner I am very busy building my business and I rely heavily on the convenience of on-line banking and the mobile app to help me manage my funds and stay on top of my finances.
To my surprise I have been told by several of your banking representative that your online information is not accurate. For instance when I log online to see my available balance and transactions that have taken place the information I am looking at may not reflect the correct balance information therefore leading me to believe that I may possible have funds available that are actually not available.
Now my issue with that is... Upon logging online it says available balances include recent activity. I can actually see the most recent charges that are pending and the balance "supposedly", reflect all pending charges per your online banking.
However on numerous occasions I have been charged nsf fees and return check fees when it clearly shows all my pending transactions and available balance that reflects I indeed had adequate amounts of funds to cover the charges. On 10/10/2017 check 996 was returned nsf when it clearly indicated the funds were available. To have a check bounce was very embarrassing and not to mention frustrating. I had to pay the bounce check fee to the person in whom I wrote the check to not to mention bank of america charged me a 35.00 nsf fee.
Again on 10/20/17 I was charged three 35.00 nsf fees for three charges all under 20.00 when my account clearly indicates the funds are available. Based on your on-line banking services it shows your three 35.00 nsf fees are what put me in a negative account balance.
I tried to download a bank ledger app to do a check and balance but what I found out was the app only reported the same information that was on my on-line banking.
I find your online banking service and online banking app to be inaccurate and misleading. I find it difficult to believe that out of the millions of dollars bank of america has that your company can not find a more accurate online system. I have banked with other institutions and I have never encountered this sort of issue.
I do believe that bank of america has put this system in place in a effort to wrongfully charge your customers excessive overdraft charges. I do not mind paying an overdraft fee if I have been negligent in having funds to cover transactions I believe the overdraft feature is great to help in those situations. However that has not been my practice. I have been responsible with checking my account consistently also I even went the extra mile to try and download a ledger app to help compensate for the shortcomings of your online service.
I am a small business and it strongly affects my bottom line numbers when I am paying hundreds of dollars in excessive overdraft cost.
I am requesting the five overdraft fees be reversed due to misleading account balance information on your online banking app and your online banking feature on the computer.
Furthermore is bank of america doing anything to correct this issue with your online banking service? At this point I see this being a hu issue for me going forward. I need the convenience of online banking it's important to my business, if I can't rely on the information on your online service to be accurate I may be forced to consider a more suitable banking option.
This is extremely disappointing because I chose your institution because of convenience. Bank of america is everywhere, the online check deposit feature is great, atm accessibility and your wonderful small business opportunities makes bank of america a great choice for me, but if banking with bank of america is going to charge me unfair excessive fees I feel I am forced to reconsider my decision.
checking account
In may 17, 2017, the bank refused to return money back (attachment #1)to me after I have requested a reopened claim #[protected], with fraud unit. It was a fraud by SF Superior Court and I cancelled my card ending in-3859. I have made a complaint with attorney general(complaint#697838)in the past on June 23, 2016 and kamala d. Harris said that she do group complaints only(attachment #2).
checking account
In May 17, 2017, I requested a $400.00 claim and Bank of America refused to return it to me because s.f. superior court had made fraud. In 9/10/2016, I had open my claim with Bank of America and in June 16, 2016, I open a claim again because I did not see it started my claim. My claim #[protected] had not responded and I have spoken to Ms. Wilburn @ telephone# [protected] ext.# 373215. I have already tried to resolve it with attorney general(complaint#697838) in June 23, 2016 and Kamala D. Harris stated that her department does not only do for individuals.
Bank of America Customer Reviews Overview
One of the most significant advantages of Bank of America is its extensive network of branches and ATMs. With over 4,000 branches and 16,000 ATMs across the country, customers can easily access their accounts and conduct transactions. Additionally, Bank of America's online and mobile banking platforms are user-friendly and offer a variety of features, such as mobile check deposit and bill pay.
Customers also appreciate Bank of America's customer service, with many reviewers noting that representatives are knowledgeable and helpful. The bank offers 24/7 customer support through its website, mobile app, and phone line.
Another positive aspect of Bank of America is its rewards program. The bank offers several credit cards with cashback rewards, travel rewards, and other benefits. Additionally, Bank of America's Preferred Rewards program offers additional benefits to customers who maintain a certain balance across their accounts.
While there are some negative reviews of Bank of America, most complaints are related to fees and charges. Some customers have reported high overdraft fees and other charges, which can be frustrating. However, Bank of America offers several ways to avoid fees, such as maintaining a minimum balance or setting up direct deposit.
Overall, Bank of America is a reputable financial institution with a wide range of products and services. With its extensive network of branches and ATMs, user-friendly online and mobile banking platforms, and helpful customer service, Bank of America is a solid choice for consumers looking for a reliable bank.
Bank of America In-depth Review
Overview: Bank of America is a well-established financial institution with a rich history and a wide reach. It offers a comprehensive range of services and products to meet the diverse needs of its customers.
Customer Service: Bank of America is known for its excellent customer service. The bank's representatives are responsive, helpful, and professional, ensuring that customers receive the assistance they need. The customer support channels, including phone, email, and live chat, are efficient and reliable.
Online Banking Experience: Bank of America's website and mobile app provide a seamless and user-friendly banking experience. The platforms offer a variety of features, including bill payment, fund transfers, and account management, making it convenient for customers to handle their finances. The bank also prioritizes security, implementing robust measures to protect customer information.
Account Options: Bank of America offers a range of account options, including checking, savings, and investment accounts. The bank's account fees, interest rates, and minimum balance requirements are competitive, ensuring that customers have flexibility and options. Additional features such as overdraft protection and rewards programs enhance the overall banking experience.
Loan and Credit Products: Bank of America provides a comprehensive range of loan and credit products, including mortgages, personal loans, and credit cards. The bank offers competitive interest rates, flexible repayment terms, and clear eligibility requirements. The application process is streamlined, and approval timelines are reasonable.
Investment and Wealth Management: Bank of America's investment and wealth management services are top-notch. The bank offers brokerage accounts, retirement planning, and financial advisory services to help customers achieve their financial goals. The investment options are diverse, and the fees are competitive. The bank's financial planning tools and resources further enhance the overall investment experience.
Branch and ATM Network: Bank of America has an extensive branch and ATM network, providing convenient access to banking services. The branches offer in-person assistance, safe deposit boxes, and notary services, ensuring that customers have a comprehensive banking experience. The ATMs are widely available, and the fees and functionality are reasonable.
Fees and Charges: Bank of America's fee structure is transparent and customer-friendly. The bank discloses account maintenance fees, ATM fees, and overdraft fees upfront, ensuring that customers are aware of the charges. There are no hidden fees or penalties, and the bank is committed to providing a clear and fair fee structure.
Community Involvement and Corporate Social Responsibility: Bank of America is actively involved in various social and environmental causes. The bank demonstrates a strong commitment to diversity, inclusion, and ethical business practices. It actively participates in community development and philanthropy, making a positive impact on society.
Overall Rating and Conclusion: Bank of America is a highly reputable bank that offers a wide range of services and products. The bank's customer service, online banking experience, and account options are commendable. The loan and credit products, investment and wealth management services, and branch and ATM network are also impressive. The bank's commitment to transparency, community involvement, and corporate social responsibility further enhances its reputation. Overall, Bank of America receives a high rating for its comprehensive banking services. However, there is room for improvement in terms of fee structure and further enhancing the online banking experience.
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3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Bank of America. Make it specific and clear, such as "Unauthorized Overdraft Fees" or "Difficulty with Mortgage Loan Modification".
4. Detailing the experience: In the complaint description, provide a detailed account of your experience. Include key areas such as customer service interactions, problems with account management, loan servicing, fees or charges that were unexpected, issues with online banking, or any other specific incidents related to Bank of America. Clearly describe the nature of the issue, including dates, locations, and any relevant transaction details. If you attempted to resolve the issue, outline the steps you took and the responses received from Bank of America. Explain how this issue has personally affected you, such as financial loss or stress.
5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, statements, or receipts. Be cautious not to include sensitive personal information like your social security number or full account numbers.
6. Filling optional fields: Use the 'Claimed Loss' field to quantify any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, describe what resolution you are seeking from Bank of America, whether it be a refund, apology, or corrective action.
7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to your knowledge and that your desired outcome is reasonable and clearly stated.
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