Bank of America
Reviews and Complaints

I opened a account and was told fees were waived with direct deposit. Well I have 2 account with direct deposit I was charge almost $30 in fees for changes made that I wasnt made aware of. This is sad, I'm thinking I have money saved and the entire time my money was taken while I was thinking I'm avoiding fees. Please make sure the customers know when a change occurs. Don't just expect they know because I truly didn't, I was actually told the last time I was aware of fees it was due to a error, today my heart was broken my the bank I trusted. I will contact my local news station to make sure customers are aware that changes can happen to your account and the bank won't make sure you truly understand i wasn't notified. I didn't get the notification of the changes and its not fair for the bank to assume I was aware. Please don't surprise any other customer with fees like Bank of America done me. Tommorrow I will close all my account due to hidden fees. Please assure no other customer goes thru the heartache i did. Farewell Bank of America, I can't trust this bank with my money. Its like signing up to avoid fees then the bank change up and charge you. I'm sure I'm not the only customer this happened to. I pray and hope no other customers are treated with such trickery!

I am in the process of trying to refinance my account however I ran into a lien release issue. I have been getting the runaround but finally on 5/22/18 I spoke with customer service who gave me hope. Well today 5/24/18 I received an email stating: we received your request to release lien for 1504 e 19th street. Unfortunately bank of america cannot release the lien in question. If you have additional questions please contact customer service 1-800-669-6607 as this is a no reply email box.

I called customer service and requested a manager just so they could hang up on me. Prior to hanging up, I was advised to contact my county which I already did who informed me that I have one account. However according to boa, they cannot help me.

I purchased my home on may 27, 2003. America's wholesale lender did a mortgage (line of credit - reflecting as bank of america on credit report with loan number matching the lien of [protected]) for me on november 26, 2004.in between this time - from everything I see - it almost looks like first franklin sold out to nationpoint acquisition, who sold out to merrill, who sold to boa.

If I am unable to get this resolved, I will be getting an attorney involved because this is ridiculous.

I submitted a complaint after an interaction with a racist & disrespectful bank financial manager. I have video footage of this employee admitting that what she was telling me was against the law. Rather than release the video to news & social media outlets I notified Bank of America about it. My business has 3 platinum business accounts and has been with B of A for 13 years & out of nowhere they close my accounts without sufficient notice. This is retaliation!

I had a Bank of America debit / credit card for years . Every month I would notice a negative amount on my card . I thought that it was from my Netflix account so I closed Netflix. A few weeks ago I went on the app and it said negative $12 so I called the bank . I was told that it was a maintenance fee charged to my account. I was told that I had to keep 1, 500 in my account. I never agreed to that nor would I ever ever open an accident where I had to keep a large amount it the back because I don't have it ! I called the bank several times and finally I got to speak to s manager . His name is Donald in the Montana office . He told me that the account switched in May 2015 and I got sent home a letter stating this ! He was extremely rude ! I never would have agreed to this nor did I ever sigh anything stating this . I want my money refunded to me . He stated that it has been going on for more than 36 months . I am requesting a refund 12x36 =$432 . This is unfair !

i submitted a claim in February for a deposit reimbursement on a moving company that i cancelled service within 24 hours (below their 72 hour policy) BOA rejected my claim, in favor of the merchant, i faxed all the backup document in April 4th, with proof of email cancellation within 24 hours, and the company's cancellation policy. BOA again, rejected my claim in May 8th with out any explanation and any mail sent to me with explanation. Even though i had spoken to 4 different customer service agents who escalated it and acknowledged my fax. I called BOA on May 9th, and they acted like they didn't know about the fax i sent, and the proof of cancellation. The Claim's department is the worse i have seen in my life. Instead of helping their customers (i have been a loyal customer for over 15 years) they don't care. They rather loose the business than have to to real work and their job. Why does BOA pay these people for doing nothing, but the are ok with taking 860 dollars from their customers, unfairly. DON'T USE BANK OF AMERICA!

I used an Money transfer APP through Bank Of America, BOA called ZELLE. I tried to send money, $300.00 to myself to try placing it in another Bank, but the funds never reached me. I called BOA immediately to try finding out what happened. Turns out, I entered one of my phone number digits incorrectly. There was no verification through the APP to help catch this common mistake and I did not realize this had taken place. The application only gives a status of complete and BOA could not place a hold or anything on the funds only moments after I made the transfer attempt. I called BOA a number of times as directed and got different information on the status and was told a "claim" would have to be submitted. After waiting 15 days for some notification from BOA, I called when I did not hear anything only to be told my claim was rejected and that there was no way to recover the money. The APP has a glaring flaw in that it doesn't allow multiple entry of the receivers account ID for verification of entry, there is no communication that occurs directly between the sender and receiver so that both can verify Identification and verification to release funds for full accountability and finally, if a mistake is made, there should be rules both the receiver and sender must abide by so that money is not lost through errors

on February 2, 2018 I went to a FoodMaxx store to use the ATM I needed to withdraw $500 the ATM machine malfunctioned it shut off and turned completely black after a few seconds it came back online when it came all the way back online it was in a temporary out of service state throughout this process the ATM machine never dispense my money before I left the store I double check my account on my phone and sure enough there was a $500 withdrawal even though the machine never gave me the money it's still registered on my account as a withdraw I called the next day to report this claim and they gave me temporary credit and I don't know what's going on with the people in the department but they have made a huge mistake and they keep telling me that I already received the money and so they are stealing money from my account

Estate of Alejandro Banuelos
341 W 10 Th. St
Perris, Ca 92570

Reference number- 180110DP0000901
Checking Accounts Ending in:
9568, 4291

I Rosa Alejandra Banuelos(DOB 05/09/1991) daughter of the deceased's name referenced above, Alejandro Banuelos DOB 05/26/1955 would like to file a complaint against Bank of America's Estate Department with complete disregard to their inability to perform their jobs in a timeliness matter. It has been a total of 75 calendar days since I, Rosa Alejandra Banuelos (daughter of Alejandro Banuelos) submitted all documents requested accordingly to form (OPENM/C3_17138) sent by Bank of America dated 01/12/2018 to legally obtain my father's remainding deposit accounts funds ending in (9568 & 4291). Forms requested to be notarized were done so at the local Bank of America location address 181 E. 4 Th. St Perris, Ca 92570 by one of the banks in house Notary personnel. Prior to submitting this complaint I have been in contact with the Estate Department phone number [protected] on 03/30/2018, 04/06/2018, and prior to 03/30/2018 one of the customer representatives from BOA Estate Department stated that my father's death certificate had not been submitted which was in fact, incorrect information. Prior to that I had submitted the death certificate, I had to submit the death certificate twice now. Every time I call the Estate Department, all they can say is they will review it and that they are behind on their work, as if that was their customers problem. They have poor customer interaction, they don't send informational notices, updates in paper or telephone calls. Absolutely NOTHING! It has been a major inconvenience to say the least. They have zero respect and empathy for their clients. We are having a difficult time as it is with my father's loss and financial hardship is one of them. This experience with Bank of America's Estate Department has been horrible. I am extremely irate, and unsatisfied with BOA Estate Department. I don't wish to be contacted by another clueless customer service representative who will not be able to solve my issue. I would like to respectively request for a manager or supervisor who could appropriately address this issue and solve this problem as soon as possible! I have provided my information below.

- Rosa Alejandra Banuelos
[protected]
Email: banuelos.[protected]@gmail.com

I no longer have a bill pay account. You all paid gm financial $576.00 on april 13, 2018. This is a huge mistake that you guys made because I have not had a bill pay account in 8 months. I went to speak with a bank of america banker on greenville avenue in dallas on april 18th and called gm financial and asked if they could expedite the reversal to my checking account? They said on april 18, 2018 that it was on hold waiting for an approval to reverse the payment back to my checking account. Now when I call them this evening, april 19, 2018. Gm financial is telling me that they can't mail me a check until may 12th. Well that's a whole month! This is your fault and I need my $576.99 credited back to my account immediately.

Nobody in your customer service departments nor your bankers seems to be able to help me get this resolved and now I have bills due that I cannot pay because of an error on your part! My cell phone number is [protected] and I would like to hear from an experienced banker who can get this matter resolved immediately!

I was sent a proposal to apply for a new card with 0% interest. During the application process I submitted 3 balance transfers, these were accepted by BofA. It appears now that only one has been accepted and I assume the other 2 were rejected. They do not show up on the balance transfer status page. I did not receive any notice of the rejection. BofA reduced my other credit card limits significantly without my approval or prior notice. The new 0% interest card has such a low credit limit it is totally useless. The proposal for the card application did not mention any negative actions as a result of applying for this card. I read through the fine print on the application and nothing was mentioned about rejecting my balance transfers requests or significantly reducing my current credit limit without notice because I submitted the credit card application. That was information I would have found necessary in determining to apply for the new card or not. I think BofA is a fraud and I'm proceeding with a formal complaint process with the authorities.

Since January I have been attempting to get a credit for a charge from an online company which never shipped the merchandise or credited a refund. The only thing Bank of America claims department does is continue to send me letters requesting additional information - all of which they already have. Never have they actually done anything other than ask me for more information. None of the letters even have a mailing address on them, so if they don't send an envelope, you can't mail them what they want!
The online company is no longer is business.

I have cancelled the credit card.

I had purchased cabinets from a local business, City Surplus. They used a company called Waypoint, which they highly recommended saying that the quality was very good. We paid for a plywood upgrade. City Surplus falsely sold us several pieces that were not plywood and stated that they did not know that Waypoint didn't offer these pieces in plywood. The Waypoint cabinets were not what we thought we'd order and looked like seconds. We decided to fight our charges through our BOA credit card. What a waste of HUGE amounts of time and effort. Even though we were willing to negotiate, our claim was denied. Our efforts spanned 7 months with BOA telling us to provide this information and that information, all of which we did. Our recommendation is if you're hoping that your BOA card will be backed up if you have an issue, cancel your card. They won't!

Bank of America Corporation
100 N Tryon St.
Charlotte
North Carolina
United States - [protected]

March 17, 2018

Dear Bank of America (BOA),

I am a BOA customer for more than 30 years. BOA has handled my home and car purchases and I have kept checking, savings, and credit card accounts with BOA during the past 30 years. I have never complained until now.

I am hereby contesting the BOA's handling of my fraud complaint with number 5424 made on January 19, 2018. I am requesting that the Bank of America immediately credit my credit card account in the amount of $1035.05, the amount of the contested transaction of case 5424. This re-crediting of my account should be done regardless of any decisions regarding the validity of the original claim since my complaint and my demand regard errors made by BOA, which are connected to but not dependent on the fraudulence by any vendor.

Note the following.

1. On January 17, 2018, I on line purchased 2 tickets to the play the Bronx Tale scheduled to play at Long Acre Theatre in New York on Jan 31, 2018. The vendor was Theatre Land Ltd. Registered in London, England. I used my credit card ending in 5424 for this purchase.

2. I immediately received an email from the vendor (Theatreland Ltd of London, England) for 6 tickets. Total price $1035.05. I had ordered only two tickets to this play.
3. Within 4 hours, I called the vendor informing them that I had only purchased 2 tickets and the cost should have been approximately $300 since the tickets were listed at $150 each. The vendor told me that I had purchased 6 tickets and refused to adjust the bill. The vendor told me that the tickets would be electronically sent to me by email within 10 days and that when I received them I should download the six tickets and that then I could sell them or use them at the theatre on Jan 31. I protested to the vendor that I had ordered only two tickets and would not accept six tickets and wanted the order changed. I told the vendor I would file a fraud claim.
4. That evening, I checked on line at the site /link removed/ and found several consumer complaints against the vendor, Theatreland Limited
5. On January 19, I called the BOA fraud department and filed a fraud claim. After discussion with and consent of the representative at the fraud office, I filed a fraud claim for the entire amount of $1035.05 because the vendor had told me that the 6 tickets would be delivered as a package and I would not have the choice to accept only two of them. I was advised by an agent in the BOA fraud office that my credit card number would be changed and I should contact all other vendors where I had recurring payments scheduled. I followed the fraud department advice and contacted all such vendors ( about 10) with the change of credit card number. I did this at great expense of time and energy.

6. On Jan 19, $1035.05 was credited back to my credit card account ending in 5424. On that date I also received a letter from the BOA stating

Robert Detrano:
We've researched your claim and issued a credit(s) to your account for the fraudulent charge(s)
What you need to know
- We've also credited your account for any interest charges and fees that occurred as a
result of this fraud claim. The adjustment(s) will appear on your monthly statement.
- At this time, we consider your dispute resolved and no additional action on your part is required at this time.
- If we receive additional information that would cause us to reopen this case, you may
be contacted again.
We're here to help
We appreciate the opportunity to serve your financial needs. If you have any questions, please
call us at 800.472.7970, Monday through Friday, 8 a.M. To 7 p.m. Eastern. If you prefer, please
visit us online at www.bankofamerica.com for account information.

7. After receiving this letter, I again called to the BOA fraud department and explained to the representative that the product (electronic tickets) might soon arrive by email from the vendor and that the date of the theatre event was on January 31, making the product I had purchased (2 tickets) worthless after that date. I explained that my intent was to not accept the tickets and not to attend the theatre event on January 31 because I had received a letter from the BOA stating that the account had been resolved in my favor and because I had been reimbursed the cost of the tickets. I asked the BOA fraud representative if it was right not to download and use the tickets. The fraud department representative stated that it was the right thing to do to NOT ACCEPT AND TO NOT USE THE TICKETS.
8. On January 27, I received the ticket link from the vendor and did not download the 6 tickets in accordance with my conversation with the BOA fraud office. Please note that, at that time on January 27, I had the following choices of
a. downloading the six electronic tickets and using them all by either inviting friends to the theatre on January 31 or by using two that I had originally intended on purchasing and selling four of the tickets.
b. Following the advice of the BOA fraud department and not downloading the tickets since their value had already been returned to may account and the matter, according the BOA had been "resolved".
I chose the second (not accepting the tickets) because that is what you BOA told me was the right thing to do.

This vendor email is still on my mail server and I have not touched the link to download the product which of course would now be worthless because the theatre event occurred on January 31.

9. On January 31, I did not attend the theatre event.
10. On March 6, 6 weeks after I had been told that the matter had been resolved and I had therefore not accepted the 6 tickets, I noted that the $1035.05 had been charged to the new cc number and I received this letter from your department.

Robert Detrano:
We've completed our review of your recent fraud claim on your account.
After a review of details you provided, we've determined that no fraud has occurred. As a result,
you'll be responsible for the balance on the account in accordance with your Account
Agreement. The adjustment(s) will appear on your monthly billing statement.
What you need to know
Your account will be updated with the appropriate payment history, including any delinquency
prior to the initiation of your fraud claim.
Our customers depend on us for the highest level of customer satisfaction, and we regret that
we're unable to resolve this matter in your favor.

11. On March 9, I called your fraud office again explaining that the matter had already been resolved on Jan 19 and I had therefore not used the product because of the way it had been resolved by BOA and with on Jan 19 and that BOA had agreed that I should not use the product.
12. I specifically asked your rep on March 9 if the 1035.05 would be again removed from my account charges and I would receive a third letter that the case was resolved. Your fraud representative said that both of these would happen.
13. On March 12, I checked my account and found that the 1035.05 had not been credited back to my credit card account, that instead there was notice about a dispute for $690.05 (that I had not requested) and I also noted receipt of a letter dated March 9 stating the following:

Robert Detrano:
We've received your recent inquiry regarding the account listed above. We're researching your
dispute(s) and will respond to you within 30 calendar days.

14. On March 14, I called the BOA fraud department again and asked to speak to someone who reliably makes decisions. I gave my phone number and made a phone appointment for 7 AM on March 15 when supervisor Nancy was to call me back.

15. On March 15, I waited until 7:20 AM for Nancy's call. She did not call. I called the fraud office at 7:20 AM and at 7:30 AM spoke to Nancy. I asked Nancy to change the affair back to a fraud complaint and to re-credit my account $1035.05. She agreed to change back to a fraud complaint but did not agree to credit my account. I also asked why the bank had changed its mind about this between January 19, the date of the letter causing me to forfeit the theatre tickets and March 6, the date of the second letter. She stated that the vendor had contacted BOA and the vendor claimed that there was no fraud. In other words, BOA trusted a vendor with reputation for fraud instead of 33 year customer who had never complained, who is a physician and university facyulty member and the chair of the board of a reputable non profit and who has an excellent legal and credit record. Because of this BOA trust in fraudulent companies, I had to forfeit $1035.

BOA should, without further ado and immediately, re-credit my account the entire amount of $1035.05. This is based on the fact that because of BOA's initial letter of January 19 stating that the matter had been resolved and I had been re-imbursed the $1305.05, I lost all value of the product (6 tickets to a play that occurred on January 31).

Regards

Robert Detrano MD PhD
Professor of Radiological Sciences and Public Health
University of California, Irvine

Co Chair and Founder
China California Heart Watch

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.

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.

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 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!

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 .

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]

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.