Bank of America
Reviews and Complaints

I was sent this picture of a Cashiers Check that was going to be sent to me. Is this a real document. I am thinking not. Please let me know. Rick A. Armstrong
[protected]@gmail.com [protected]

https://lh3.googleusercontent.com/-ah4vCtUZ9rY/W4VxiixBhzI/AAAAAAAAC7M/aQT70Ij9-twWghN3jWHqas-eSL0UhHA2ACL0BGAYYCw/h400/Rick%2BAlan%2BArmstrong%2BCHECK.jpg

The section is f a Cashiers Check from B of A. I think it is fake. Is it?

Bank of America again gives a client of mine false information about my business and my business activity. A call came into one of my bank accounts that a transaction is fraud. Bank of America tried to get the client to go along with the claim. The client well knows my finance manager and told the bank there is no scam. Something has to be done about this bank's procedures. I so far have lost 75, 000 due to the scare tactic. I am still waiting if I will recover the business money and client. If I do lose this client I may have no option but to bring a claim in court for Bank of America behavior. Even after my bank said there is no fraud Bank of America continued. I will have to file another complaint on Bank of America. Pleas stop Bank of America.

I lost my EDD debit card and was robbed by someone of 800 dollars. I called Bank of America only to be hung up on several times. I also called corporate and they were also hung up on. Long story short I reported the issue on the 21st along with a dispute and they quote a 24 hour turn around, today id the 27th I received a new cad with zero balance . they are a horrible banking system and I want my money returned. I wasn't able to by my son his clothes for back to school

Thank you
Armando Munguia
[protected]

El dia 21 de Agosto deposite dentro del banco el cheque de salario de mi esposo en nuestra cuenta, la senora muy amable hasta ese momento me ayudo e hice my deposito pero al ver que la maquina me dio un papel mas largo que lo normal pues lo lei en el me explicaba que mi cheque tenia un hold de 10 dias por si la compania que nos pago no tenia"" fondos"", le explique a la representante que no podia esperar 10 dias para tener my dinero en la cuenta, por favor devuelvame mi cheque y cancele el deposito le explique, me dijo que no podia hacerlo pues ya estava depositado, le dije mire mi esposo es camionero esta en texas ( vivimos en la florida) esperando por este dinero para hechar combuetible y seguir trabajando, pero ademas es fin de mes y todos mis pagos estan asociados a esta cuenta, lo siento nada puedo hacer me dijo .

Sali del banco y llame al servicio al cliente explicando todo, pero nada resulto, TIENES QUE ESPERAR AL 30 DE AGOSTO ES TODO. al dia siquiente fui personalmente al banco, la primera senora me dijo no poder atenderme pues tenia clientes ( cosa razonable) pero me dijo mi jefa viene a verte ahora ( estoy sentada en el loby con otros clientes ) pero cual no fue mi sorpresa esta persona ventilo my cuenta bancaria frente a todos (sera porque soy hispana) todos los alli presentes se neteraron de los pormenores de mi situacion (que horror), Para terminar me dijo que esos eran mis problemas y que a banco America no le importava.

No satisfecha ni con su actitud ni sus respuestas volvi a llamar al 1800 me atendieron en texas (la senora Cruz)le explique lo que me estava sucediendo mas el incidente que me acabava de pasar( lo siento) fueron sus unicas palabras respecto al insidente, ok respondi pero a mi me preocupan varias cosas le dije : Mi esposo esta en texas esperando por el dinero para poner petroleo desde ayer y esta perdiendo de trabajar y ganar dinero debido a este hold pero ademas tengo cargo recurrentes que van a entrar, como luz, agua, pago de seguros etc. No hay problema eso se pagara ( me contesto) a lo que pregunte y los cargos de sobregiros, me contesto no se preocupe no se van a generar pues esto es una decision del banco retener su deposito, no es culpa suya, ( la verdad quede mas tranquila) Pero cual no seria mi sorpresa hoy 24 de agosto tengo 5 cargos de 35, 00 por cada transaction que me ha entrado a la cuenta, generando otros cargos por cheques sin fondos, y haciendo que tengas mas perdidas economicas.

Every single day I come to any bank of America especially Revere mass locations there are at most only two tellers if you get lucky. And every f****** customer is a business transaction with 18 different deposits or whatever [censored] that takes at least 20 minutes per person why do they not have a business window but then you want to charge me $8 for every check I cash cuz you're not making enough money right. One customer in front of me at the window for 25 minutes One customer 1 teller tell me how fear that is that I have to pay 8 God damn dollars to wait in a line for 25 minutes for One customer please

On 10-24-2016 we were having our roof replaced so that we could purchase insurance that was not forced through BAC.. Back in 2009, after BAC purchased Country Wide, they decided not to honor Countywide's loan to us. Actually, they could not find the note or the mortgage. We were advised to stop paying the payment because it was "not enough" $1, 041.00, and they would foreclose on us anyway if we did not pay the new number $2, 550.00. They said we needed to do that in order for them to procure records.

Then they foreclosed on us and used the Mortgage Mill, David Stein Attorneys to start trying to get us out. We fought the foreclosure. They had people coming and looking in the windows, knocking on the door, telling us to get out, driving by taking pictures, etc. We sued them. We won, and they had to pay us a large amount of money. The Government made them give us a Loan Modification at 2% interest, and they forgave 130K in money owed on my home. Nice, huh? No, they were forced into it. I spent untold hours, untold harassments, abuse from their slimy attorneys, untold heart break, untold deferred maintenance on my home. When I finally won the case (it took from 2008 until mid 2015, that we fought, I finally was able to feel safe about replacing my roof.

You cannot get private insurance if you have forced insurance and a bad roof. So we hired the roofer. The roofers nailed into a plumbing pipe the first day on my roof, causing the demolition of the east side of my home. No one was home so the water just ran and ran.

The next day they did it again on the west side of the house and demolished the west side. Then on November 4th, they did it again.

So here comes BAC forced insurance. They only covered a FRACTION of what it cost to fix, and then they would not stop the forced insurance and they would not increase the insurance. So, now, if there is another accident I will not have insurance to cover all the monies I put in my home. They have minimum insurance that is forced at a high price, and they will not increase the value of my home. They only put 69K into the house, the rest I put in was near 100K. I can't get private insurance because I have had a large claim and worse forced insurance... so I trying to get my last little bit of money out of them, and they are keeping it (the depreciation check). They have made me go through their "process" and it has cost me more in time and money than the depreciation check. AT ALL COSTS STAY AWAY FROM THIS EVIL BANK. Never do any business with them. I think they will be gone in 10 years. No one should ever have to go through what I have gone through with them. 10 years of hell, one day after another. Why don't you change banks for your mortgage? I would if I could get a 2% loan on a refinance, but I can't, because it is a Government loan forced on BAC.

My family, 4 children and 9 grandchildren have been camping at Butt Lake (near Chester California) for 49 years. Around 15 years ago, you closed your Chester California branch, so our only B of A option was in Susanville California. This year, I discovered that you have now closed the Susanville California branch (Susanville California population is around 18, 000). I few years back I discovered that you had closed the Eureka California branch. I have been a loyal B of A customer for over 60 years and have always expected to be able to bank at these locations. I've adapted as best I could, but it seems that B of A is disappearing from the areas my wife and I frequent. I feel it necessary to complain about the unavailability of your branches and accompanying versatels. What is B of A's plan for continuing the closing of these small town branches? Should I be looking for another banking option?.

I have had $18, 980 in checks put on hold in my business account. I am now bouncing checks, being charged NSF because of the hold & Bank of America won't do anything about it. Both checks deposited are from returning customers. This seems like a loop hole to make money off unwarranted fees when I would clearly have money if Bank of America didn't decide to put random holds. I do over $200k a month thru my bank account and this is ridiculous! The rep I dealt with, Linda Green, was also the rudest broad I've ever dealt with! Will be taking my business elsewhere!

From: "Edward A. Dubinsky"
Sent: Aug 8, 2018 6:44 AM
To: "Catherine.P.[protected]@bankofamerica.com"
Subject: Fw: IMPORTANT

Catherine,

Maybe you can make the differance! Could you please contact me directly, I would love to speak with you directly regarding my experiance. Maybe you can do a better job since you are next in line for CEO!

Regards,

EDWARD A DUBINSKY
[protected]

-----Forwarded Message-----
From: "Edward A. Dubinsky"
Sent: Aug 8, 2018 6:12 AM
To: "thong.m.[protected]@bankofamerica.com", "andrea.b.[protected]@bankofamerica.com", "brian.t.[protected]@bankofamerica.com"
Subject: Fw: IMPORTANT

Good Morning All,

It is truly unbelievable how incompetent ALL your employees are, no one pays attention or listens, I will be closing all my B OF A accounts in the future. Your people that work for you are absolutely useless let alone no one from your corporate office is competent enough to call me back personally.If you like to know more please contact me I do not want to hear from a low level employee. This will be the last email I will send.

Thank you,

EDWARD DUBINSKY
[protected]

-----Forwarded Message-----
From: "Edward A. Dubinsky"
Sent: Aug 4, 2018 8:17 AM
To: andrea.b.[protected]@bankofamerica.com, thomas.k.[protected]@bankofamerica.com
Subject: Fw: IMPORTANT

See below for lastest saga,

Thank you

-----Forwarded Message-----
From: "Edward A. Dubinsky"
Sent: Aug 4, 2018 8:14 AM
To: BRIAN.[protected]@BANKOFAMERICA.COM, DEAN.[protected]@BANKOFAMERICA.COM, CATHERINE.P.[protected]@BANKOFAMERICA.COM, SHERI.B.[protected]@BANKOFAMERICA.COM, PAUL.M.[protected]@BANKOFAMERICA.COM, ANNE.M.[protected]@BANKOFAMERICA.COM, GEOFFREY.S.[protected]@BANKOFAMERICA.COM, CHRISTINE.P.[protected]@BANKOFAMERICA.COM, TERRY.[protected]@BANKOFAMERICA.COM, DAVID.G.[protected]@BANKOFAMERICA.COM, GARY.G.[protected]@BANKOFAMERICA.COM, THOMAS.K.[protected]@BANKOFAMERICA.COM, THONG.M.[protected]@BANKOFAMERICA.COM, ANDREA.B.[protected]@BANKOFAMERICA.COM, BRUCE.R.[protected]@BANKOFAMERICA.COM, LEE.[protected]@BANKOFAMERICA.COM, ANDY.[protected]@BANKOFAMERICA.COM
Subject: Fw: IMPORTANT

ALL,

I hate to sound like a broken record, but your employee really need to do a better job, the saga continues and this may be the last straw. On Monday 7/30/2018 I went with my 88 year old mother who is walker bound into your Encino branch and met with ABDUL to open up 2 new checking accounts. I explained to him that we needed the check right of way because it is the beginning of the month and my mother and I need to pay the bills. He had told us we should receive the checks within 3 business day. I call Abdul yesterday to tell him we have not received the checks and left him a message with RP the branch manager. I did not hear back from Abdul. I called you 800 number today to find out about the checks and Malia in New Mexico confirmed that the CHECKS WERE NEVER ORDERED. Also yesterday I called your fraud department to have my mothers SS check transfer into the new household account and your rep not only transfer this money out but transfer the entire balance out of the closed account into the new account. HOW COME? This experiance has been unbelievable and I am truly sad to say that your institution really needs some TLC because this exercise and experiance has been fully pathetic and I am sorry to be a great patron OF B of A. Unfortunately you get 5 thumbs down. I now do expect to hear back from maybe the CEO himself to make a humble apology for what is currently taking place, YUK! All of you should be ashamed of yourself for not doing the job that is expected. I look forward hearing back from you!

Respectfully,

EDWARD A DUBINSKY
[protected]

-----Forwarded Message-----
>From: "Edward A. Dubinsky"
>Sent: Aug 2, 2018 2:02 PM
>To: BRIAN.[protected]@BANKOFAMERICA.COM, DEAN.[protected]@BANKOFAMERICA.COM, CATHERINE.P.[protected]@BANKOFAMERICA.COM, SHERI.B.[protected]@BANKOFAMERICA.COM, PAUL.M.[protected]@BANKOFAMERICA.COM, ANNE.M.[protected]@BANKOFAMERICA.COM, GEOFFREY.S.[protected]@BANKOFAMERICA.COM, CHRISTINE.P.[protected]@BANKOFAMERICA.COM, TERRY.[protected]@BANKOFAMERICA.COM, DAVID.G.[protected]@BANKOFAMERICA.COM, GARY.G.[protected]@BANKOFAMERICA.COM, THOMAS.K.[protected]@BANKOFAMERICA.COM, THONG.M.[protected]@BANKOFAMERICA.COM, ANDREA.B.
[protected]@BANKOFAMERICA.COM, BRUCE.R.[protected]@BANKOFAMERICA.COM, LEE.[protected]@BANKOFAMERICA.COM, ANDY.[protected]@BANKOFAMERICA.COM>Subject: Fw: I am a victim of fraud with only your institution.
>
>
>
>
>-----Forwarded Message-----
>>From: "Edward A. Dubinsky"
>>Sent: Aug 2, 2018 1:54 PM
>>To: [protected]@bankofamerica.com, [protected]@bankofamerica.com, thong.m.[protected]@bankofamerica.com, bruce.r.[protected]@bankofamerica.com
>>Subject: Fw: I am a victim of fraud with only your institution.
>>
>>
>>
>>
>>-----Forwarded Message-----
>>>From: "Edward A. Dubinsky"
>>>Sent: Aug 2, 2018 1:49 PM
>>>To: andrea.b.[protected]@bankofamerica.com, thomas.k.[protected]@bankofamerica.com, "Catherine.P.[protected]@bankofamerica.com"
>>>Subject: Fw: I am a victim of fraud with only your institution.
>>>
>>>PLease call me
>>>
>>>
>>>-----Forwarded Message-----
>>>>From: "Edward A. Dubinsky"
>>>>Sent: Aug 1, 2018 2:05 PM
>>>>To: "brian.t.[protected]@bankofamerica.com", "anne.m.[protected]@bankofamerica.com"
>>>>Subject: Fw: I am a victim of fraud with only your institution.
>>>>
>>>>
>>>>Brian,
>>>>
>>>>It seems to amaze me that NO ONE from your organization has contacted me back from the below email I had sent. I must believe that B OF A does not give a dam about their customers experience with your poor administration and your poor communication given by YOUR employees, Oh well, I guess I will think about moving my money out of your financial institution. Any and all of you who received my email should go back to Wharton business school and learn what it is like to service a customer and his family who has been with you for close to 70 years.
>>>>
>>>>Regards,
>>>>
>>>>EDWARD A DUBINSKY
>>>>
>>>>-----Forwarded Message-----
>>>>>From: "Edward A. Dubinsky"
>>>>>Sent: Jul 31, 2018 6:02 AM
>>>>>To: brian.t.[protected]@bankofamerica.com, anne.m.[protected]@bankofamerica.com, tom.[protected]@baml.com
>>>>>Subject: I am a victim of fraud with only your institution.
>>>>>
>>>>>All,
>>>>>
>>>>>I have been a victim of fraud with your fine institution. I am extremely unhappy at the way it is handled and and upset at the service your people have provided to me currently. If you would like to know more please contact me immediately. If I do not hear back from you today I must make the decision to continue to stay with you after many years of business.
>>>>>
>>>>>Respectfully,
>>>>>
>>>>>EDWARD A DUBINSKY
>>>>>11710 Killimore Ave
>>>>>Porter Ranch, CA 91326
>>>>>[protected]

I opened a personal account at BofA then later opened a business account. I had a savings. My business is a global business deals with companies and clients from around the world and in the United States.
On the second day after receiving my atm card it was frozen. I couldn't get any money then I had to answer stupid questions in the name of security. I just got the card. In a short time later my accounts were frozen with 44, 000.00 told they can shut down an account whenever they want per customer service. The service at the branch was pretty cold. I didn't find I was welcomed as a client of trust. I followed all of the requirements of accounts. Anything that was done was by the banker at the bank. I always go into the bank so I am not at error for anything. I was given the run around, bullied by customer service even after I sent a letter to the corporate office and OCC. I finally received the money and continued on with my business but I should have sued for bully tactics in business to just go away. They should have been forced to pay interest for every day they held my business money. To top it off I help with orphanages and an orphanage was waiting for some of that money. So way to go BOFA stupidity in your tactics of procedures before treatment of respect to your client. In my opinion and experience from BofA.

On 11/2/17 I received an offer for $300 bonus, copy at the end of the letter,
I opened a BofA account, but couldn't fulfill the conditions and I closed this account.
On 1/24/18 I received a second offer for $300, identical to the first one, copy at the end of the letter.
I assumed that the bank still wants my business and decided to give me a second chance. If that's not so, why they send me the second invitation ?!
Now I had enough time to fulfill all conditions. I opened a new account, set up two direct deposits and had the required sum by the required time.
I was refused the promised bonus for reasons I don't understand.
Please explain to me what's going on.
Thank you.
Aharon Livney,
[protected]@yahoo.com
-----------------------------------------------
First letter
--------------
Get a $300 bonus
Yahoo
/
Inbox

Bank of America
To:
[protected]@yahoo.com

Nov 2, 2017 at 12:02 PM

Exclusive offer for:
AARON LIVNEY Bank of America

An exclusive checking offer
for you
$300 bonus(1)
Learn more
Get a $300 bonus1 when you:
1 Open an eligible checking account

Open a new Bank of America Core Checking® OR Bank of America Interest Checking® account by December 31, 2017.

2 Then, set up Direct Deposit

Set up and receive qualifying direct deposits* totaling $4, 000 or more within 90 days of opening your new checking account.
Get started
Or schedule an appointment at your local financial center.
Offer details1
* A qualifying direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. Please note, this does not include a transfer done via ATM, online or teller, or a transfer from a bank or brokerage account, Merrill Edge® or Merrill Lynch® account.

1 This offer is only available to Bank of America customers and employees who receive this offer via a direct communication from Bank of America . Offer expires on December 31, 2017. Bank of America may change or discontinue this offer at any time before this date without notice. This offer is intended for new checking customers only; you are not eligible for this offer if you were a signer on or owner of a Bank of America personal checking account within the last six (6) months.

Requirements to Receive the $300 Checking Account bonus: (1) Open a new eligible Bank of America personal checking account by December 31, 2017, in a financial center, online, or via phone AND (2) set up and receive Qualifying Direct Deposits equaling a total of $4, 000 or more in your new personal checking account within 90 days from account opening. SafeBalance Banking® Accounts are not eligible for this offer. A "Qualifying Direct Deposit" is a recurring direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, Merrill Edge® or Merrill Lynch® account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income. We will attempt to deposit the earned bonus directly into your new personal checking account within sixty (60) days of meeting the offer requirements; if unable to do so, a check will be issued. The new personal checking account must be open up to and including the date any earned bonus is paid in order to receive the bonus.

Additional Terms and Conditions: All account applications are subject to approval. The minimum deposit required to open a Bank of America Core Checking® account is $25. The minimum deposit required to open a Bank of America Interest Checking® account is $100 and the Annual Percentage Yield (APY) for this account accurate as of today's date, can be found by selecting the account at https://www.bankofamerica.com/deposits/bank-account-interest-rates.go. The rates may change after the account is opened and may vary by state. Fees may reduce earnings. Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees for account fees and additional information.

Your account does not qualify for the bonus until you provide all of the information we require in connection with opening the account by the promotion end date. This includes information we require to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.

Reproduction, purchase, sale, transfer or trade of this offer is prohibited. Offer cannot be combined with any other offer and is limited to one bonus per new personal checking customer and account. Offer does not apply to business or second or multiple personal checking accounts.

This is a promotional email from Bank of America. Unsubscribe now to stop receiving promotional emails about products and services from Bank of America.

Bank of America Email, 9th Floor NC1-[protected], 150 N College St., Charlotte, NC 28255. Please do NOT send any physical mail to this address, especially mail containing sensitive information.

Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored.

Read more about Privacy & Security.

Bank of America, N.A. Member FDIC. Equal Housing Lender
©2017 Bank of America Corporation. All rights reserved.

ARSH7BC5/MGZBQN

Second letter
------------------

Exclusive $300 offer for AHARON
Yahoo
/
Inbox

Bank of America
To:
[protected]@yahoo.com

Jan 24 at 7:06 PM

Bank of America
Open an eligible checking account to get started
$300
bonus (1)
It's our way of saying thank you for being a valued customer.
Learn more
Get a $300 bonus1 when you:
1
Open an eligible checking account
Open a new Bank of America Core Checking® OR Bank of America Interest Checking® account by April 30, 2018.
1
Then, set up Direct Deposit
Set up and receive qualifying direct deposits* totaling $4, 000 or more within 90 days of opening your new checking account.
With a Bank of America checking account, you can get:

$0 Liability Guarantee2
Covers fraudulent transactions and credits the amount back to your account as soon as the next business day.

Mobile Banking3
Our secure Mobile Banking app makes it easy to manage money your way.

Debit Card Lock/Unlock Features4
Temporarily lock and unlock a misplaced debit card from our Mobile Banking app or through Online Banking.

BankAmeriDeals®5
Choose your own rewards with BankAmeriDeals®, and get up to 15% cash back at locations you choose.
Offer ends April 30, 2018.
Get started
Or schedule an appointment at your local center.
Offer details1
*A qualifying direct deposit is a recurring direct deposit of your paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency. Please note, this does not include transfers done via ATM, online or teller, or transfers from a bank or brokerage account.
LIFE / BETTER CONNECTED(TM)

1 This offer is limited to those individuals who receive the offer via a direct communication from Bank of America . Offer is intended for new checking customers only; you are not eligible if you were a signer on or owner of a Bank of America personal checking account within the last six (6) months. Offer expires on April 30, 2018. Bank of America may change or discontinue this offer at any time before this date without notice.

Requirements to Receive the $300 Checking Account Bonus: (1) Open a new eligible Bank of America checking account by April 30, 2018, in a financial center, online, or via phone AND (2) set up and receive Qualifying Direct Deposits equaling a total of $4000 or more in your new personal checking account within 90 days from account opening. SafeBalance Banking® Accounts are not eligible for this offer. A "Qualifying Direct Deposit" is a recurring direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, Merrill Edge® or Merrill Lynch® account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.

After you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty (60) days; if unable to do so, a check will be issued. The new personal checking account must be open up to and including the date any earned bonus is paid in order to receive the bonus.

Additional Terms and Conditions: All account applications are subject to approval. The minimum deposit required to open a Bank of America Core Checking account is $25. The minimum deposit required to open a Bank of America Interest Checking account is $100, and the Annual Percentage Yield (APY) is as follows: less than $50, 000, 0.01%; $50, 000 and over, 0.02%. APYs are accurate as of 01/08/2018. For today's rates, select the applicable account at bankofamerica.com/deposits/bank-account-interest-rates.go. Rates may change at any time without prior notice, before or after the account is opened, and may vary by state. Fees may reduce earnings. Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees for account fees and additional information.

Your account does not qualify for the bonus until you provide all of the information we require in connection with opening the account by the promotion end date. This includes information we require to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.

Reproduction, purchase, sale, transfer or trade of this offer is prohibited. Offer cannot be combined with any other offer and is limited to one bonus per new personal checking customer and account. Offer does not apply to business or second or multiple personal checking accounts.

2 The $0 Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer debit and ATM cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. Access to funds next business day in most cases, pending resolution of claim. Consult customer and account agreements for full details.

3 Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

4 When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Data connection required. Wireless carrier fees may apply.

5 You must be enrolled in Online Banking or Mobile Banking to participate in the BankAmeriDeals® program and have either an eligible Bank of America® debit or credit card or Merrill Lynch® credit card. Earned cash back will be credited into an eligible checking, savings, money market or credit account within 30 days following redemption. For more information, please read the program terms of use. Data connection required. Wireless carrier fees may apply.

This is a promotional email from Bank of America. Unsubscribe now to stop receiving promotional emails about products and services from Bank of America.

Bank of America Email, 9th Floor NC1-[protected], 150 N College St., Charlotte, NC 28255. Please do NOT send any physical mail to this address, especially mail containing sensitive information.

Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored.

Read more about Privacy & Security.

Bank of America, N.A. Member FDIC. Equal Housing Lender
©2018 Bank of America Corporation. All rights reserved.

AR3KHK7T

Bank of America
bankofamerica.com
[protected]@emcom.bankofamerica.com
[protected]

Recently realized I was being charged $12 for monthly maintenance fees. I called customer service and the experience was horrible! I asked for courtesy credit for the fees and was denied. The agent who answered (TJ?) was not very customer friendly. I asked to speak to a supervisor and (Savannah) would not speak to me. Really? I closed the one account with the agent and will work to close the primary and savings. I guess if you don't have millions you are not important. Willing to lose a dedicated customer for over 20 years for $24. WOW!

Bank of America is crooks. My balance was $1605.84 on 07/31/18. I withdraw $1210.00 at the bank and had a transaction come in for $390. Now my balance is $5.84. After 8pm I withdrew $200.00 from the atm and it said I would have to pay a $35 fee which I accepted. On 07/31/18 they charged me a $35 overdraft fee and on 08/01/18 they charged me another overdraft fee. I called customer service spoke with a representative who transferred me to her supervisor who transferred me to her manager. They are all stating when I withdraw the $200 from the atm, they put a $200 hold on my balance so It brought it to $1405.84 and after they posted the transaction for $1210.00 and $390.00 my balance was negative $194.14 so they charged me a fee. Then they charged me a fee for the $200.00 that was on hold from me taking out the $200.00 same day that did not clear the bank. Now if you do the math $1605.84 - $200.00 - $1210.00 - $390.00 = -$194.16. So no matter which way you do it I should have only been charged one fee. These crooks settled in a lawsuit with similar cases like this one. I have nothing good to say about Bank of America and will never refer anyone to this company.

When I tried using my card at a restaurant one morning and it was denied that prompted me to check my transaction history, upon doing so I found there was a T mobile transaction for around $350. I am a Verizon customer and have never purchased anything from T-mobile. At the time, I also had my debit card in my wallet the entire time- Bank Of America told me that I was a victim of a credit/debit card skimmer when I called that day immediately to file the claim. They also informed me to spend 30 minutes at least writing down every single transaction that I did not recognize... Well, after doing so I accidentally added a few transactions that were mine, but the merchant name online differed from the store name. I have had this claim denied at least 30+ times, all for invalid reasons.
1) I did not have a sense of urgency because the transactions happened over a one month span. - This is inaccurate because I called in and removed all of the merchants that I was able to investigate and found to be my own after having the help of some BOA employees. The transactions that needed to be investigated happened over a 3 day span.. there was only 3 transactions that should have been investigated and I called in at least 15 different times to have them removed and they will not do so because of policy but they are also not relaying the information properly to the investigators. The transactions happened right before the weekend and posted three days later, I called in the day they posted to my account and I could no longer use my card because one of my accounts went negative. How is this not a sense of urgency? I called in immediately once I found out.
2) I used the online banking in between the time (apparently the entire month) Well I used the dashboard to transfer funds which does not require you to look through your transaction history, nor did I have a reason to because MY DEBIT CARD WAS IN MY WALLET THE ENTIRE TIME. Also, they are investigating the wrong time frame so this is also invalid.
3) My PIN number was used- I removed all of these pin number transactions. When I first filed the claim and was prompted to call back in with the additional fraud charges if found, the person I spoke with was VERY unhelpful and told me that he could not provide any of the addresses to the merchants and that if I accidentally added anything on there that ends up being mine they will deny the entire claim...So I was nervous about missing anything, and being that I did not recognize those merchant names, that made me keep all of them on there because I did not want to miss anything. When my claim was denied multiple times, I finally spoke with a woman who was helpful enough to google search the places and found the addresses which was when I took off all of the transactions that I know I had been to previously, plus they all had different names on the transaction history vs the restaurant or gas station.
I filed a police report, I did everything above and beyond that a customer should have to do, I physically went into the stores and looked for cameras, all of which had cameras and they were willing to cooperate but BOA did not investigate enough otherwise they would've refunded my money. The police have 4 years to investiagte it all thought they see it as a valid fraud case, others take priority due to the amount of money involved. I am almost at a year and that means I will not be able to get my money back unless the police re open the case.
4) they are still denying and have closed my case and said it is no longer open for re consideration.. I spoke with the police dept. who informed me that BOA did this to another person and the only way they got their money back was to proove they were somewhere at the time of the transactions.

After fighting for weeks trying to gather the original time stamps (which everyone I spoke to for the first 10 tries said there was no where to get it) Finally, someone told me they would send it to my email and I would click a link.. I never got the email. I then called BOA and they told me that they do not do that, and that they looked into it and BOA DENIED SENDING ME THE TIME STAMPS! How am I not allowed to have access to the original time stamps and dates of when the fraud charges took place? I was working full time at the time, Just recently sent in PROOF of my time stamps that I was in an entirely different city at the time and working while these transactions took place. I went into the financial center and they called and were able to speak with someone in the fraud dept. who gave me the time stamps immediately...

Guess what? THEY DENIED IT AGAIN FOR THE FINAL TIME... FOR THE ABOVE REASONS WHICH ARE SO INVALID. I am very upset about this, what do I have to do to get what is rightfully mine? This is insane to me. I have been a customer for over 15 years with them, why would I go these lengths and fight this long over $450? It is my money that I work hard for.

The fact that the customer protection dept. didn't notice and contact me stating that my card was being used in a city that I have never been to before, while I was using it around the same time in a different city? How is this not proof enough that it was actually physically impossible for me to make these purchases. I have tried everything. Spoke with a consumers relations dept and they told me that they are invalidly investigating this and denying it for reasons that are not right. I will sue if I have to even if I don't see a dollar because you CAN NOT TREAT PEOPLE LIKE THIS! PEOPLE WORK HARD FOR THEIR MONEY!

hello my name is Patricia Hiller and in May I went into my Bank of America in East Meadow lovely lovely Branch lovely people that work there and great service and I was inquiring about a balance transfer from my Citibank card. a lovely woman looks at my account and helped me and said we have a wonderful deal happening right now with the Platinum Plus credit card MasterCard you should apply for the card, right now we have a $0 transfer fee going on when you apply for the MasterCard so I applied for the MasterCard received it and about a month later I called and I asked hey I'm still looking for that transfer balance deal that you have going on I just wanted to make sure it didn't expire and I quote the girl said let me look it up for you she looked it up and she said no worries you have till August and I said okay thank you so much for that I didn't want to miss out on the $0 transfer fee so when I went to actually do the transfer fee in July the gentleman said oh no it expired on July 10th and I said that can't be I just talked to the girl a couple of weeks ago and she told me I had till August he said no I'm sorry you were misinformed so I got transferred to the balance transfer section spoke to the girl she was no help I ask for the manager they left me on hold for 23 minutes and he got on the phone and accused me of lying that I never called and he wouldn't look up the recording of the phone call unless I had the date that I called after I plead with him continuously to look up the phone call and listen to the conversation that I had with the girl he agreed to do it and said he would get back to me in 72 hours but yet here I am 4 days 5 days later waiting for the phone call and all the time is dwindling by and I still have not gotten to make my transfer balance I'm just asking for the deal that I actually signed up for that's all nothing more if you could please help me Rectify this problem that would really be a big help thank you so much in advance my name is Patricia Hiller my phone number is [protected] and my birthday is 1/20/59
Can someone at least call me and address the matter, after they listen to the recording they will hopefully allow me to have my original offer.
Thank you.
Patricia Hiller

My son and I completed a job for one of you clients. She wrote my son the check, and when he took it to the local branch 2401 osprey way Frederick MD. He was told the signature s didn't match and because of your age we will not cash this check. He asked the teller to please call the client and she repeated your too young and the signatures don't match. He came out of the branch and asked me to help. I'm 54 and an adult. I was greeted by an unshaven rude individual named Ryan. He immediately became agitated and told me your son is too young, he's 24. Than he told me there was no one else to talk to.we left.this is age discrimination.

I've tried to contact the Springdale. AR branch on W Sunset for almost 3 hours now and and recording says they are too busy to answer the phone. Really? My cousin was there about early this morning and there were 2 customers in there. Trying to get things they've messed up on her checking account and girl, Marcella, said I had to talk to main offices to make changes and she's transfer me to the 800 number and then disconnected me! Now they don't answer 3 hours later! Frustrated and they have account so messed up I'm not sure we can ever straighten it out. They had her very confused and told her she needed to hire an accountant for her checkbook. Really? Thank you Bank of America for your terrible treatment of a 21 year customer.

Hi Team,

I contacted Bank Of America Customer Service on July 20 around 11:09 AM, EST Hours. I was on call for about 26 minutes.

I requested many times to to stop a transaction as I did not authorize it. The transaction made by T-Mobile customer service. They used my card details on call with them to make payment for another mobile- number, instead of making payment for my mobile number. I called Bank of America to stop this payment. The Bank Of America associate told me he cannot stop this payment as it is in processing. I told him I did not authorize this transaction. It is illegal transaction. Please stop this transaction. He said I have to wait until the transaction is completely processed and charged for me, and then I have to call Bank Of America again to stop this transaction. He also said this is the policy and process in Bank Of America to allow false transaction to proceed and complete first. Please stop $47 transaction at 9:30 am 07/20. Please stop immediately.

Hello,
I have opened a Bank of America personal checking account almost 7 - 8 months ago in the state of Minnesota. The first I requested online payment to my credit card account from checking acc. at the bank while opening my account. but, my request is not completed untill now. I have made phone calls to customer service and at the beginning they told me to wait for few months cycles. I visited Edina, Minnesota branch and one another branch to set up the auto pay to credit card, but they didn't.
Beside other small requests, this auto pay request have not been served for me and I feel not as comfortable as I do with my other bank. that bank don't leave any problem pending or to wait for as the Bank of America. therefore, I couldn't recommend BoA to other people when they ask.
I may get set up everything, but I just wanted to let you know if it may help expedite the service for customers.
Thank you,
Mohammad Noor
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I reported my claim of fraudulent charges to EDD Debit Card and recieved a report with evidence that I was indeed a victim but BoA interpreted it as evidence to support the contrary. I escalated as much as I could and was flabbergasted that they would 'see where I'm coming from' but would not 'investigate' further or re-open my case. As a combat veteran fighting PTSD, this is nearly the straw breaking the camel's back. They went so far to say they have no reason to believe me that I was a victim of fraud. I'm so upset and they have left me feeling helpless in getting justice on the matter. The manager spoker angrily towards me with rude disdain and I don't know what more I can do. It's $424 which is nothing to them but life sustaining to me. They would treat their customers as liars and keep them wronged rather than put a little more effort on the customers behalf. I've sent my story to NBC and reported to ftc.gov. Mwanwhile, I'm out a critical $424 and anxiety, stress and depression eating me alive.