Bank of America Reviews 

Very difficult to get help. They send you around in a loop, trying to verify your account. The app disconnects you and you have to log in again. The representative I spoke with was wrong about some of my account information and put me on hold for a long time. Find a different bank.

Smriti Gautam kaphle from bank of America herd on parkway branch,I would like to give my sincere thanks for helping me through my banking progress and for being so polite,I would recommend for anyone who want to bank on that branch,thank you smriti once again!!

I tried updating my mailing address online, but because I recently moved out to a different city, the system flagged it for security verification. I called customer service, and the agent (Praveen Paul) was super patient and helpful. He verified my identity quickly, uploaded my proof of residency while I was on the line, and confirmed the change within 4 minutes. Fantastic service from Paul. Kudos ✌️👍🤝🤝👏👏👏

Hi,
I am writing to formally express my disappointment regarding a recent promotional offer associated with my new Bank of America credit card, as well as the customer service I received when attempting to resolve this matter.

I applied for this credit card because the promotional offer prominently advertised 6% cash back, which was the primary reason I chose Bank of America over competing credit card providers. Based on that offer, I made qualifying purchases totaling more than $2,700, fully expecting to receive the advertised promotional cash back.

I was later informed that I was not eligible for the 6% cash back because I had not first changed my rewards category to 'Travel' before making my purchases. While I understand that this requirement may have been included somewhere in the terms and conditions, it was not clearly and explicitly stated in the promotional offer that encouraged me to apply for the card. The offer emphasized "6% cash back" in large, prominent red text, but the critical requirement to first select the 'Travel' category was not presented with the same level of visibility. Had this requirement been clearly disclosed in the offer itself, I would have selected the appropriate category before making any purchases.

I initially contacted customer service to seek assistance. After waiting on hold for approximately an hour, I was connected to someone who informed me that I had reached the wrong department. The call was then disconnected, and no one called me back despite the lengthy wait.

When I called again, I spent additional time navigating the automated system before finally reaching a representative. I politely explained my situation and requested a one-time courtesy adjustment because I had relied on the promotional offer when deciding to open the account and make these purchases. Unfortunately, I was told that nothing could be done retrospectively and that the responsibility was mine for not reading the fine print. I requested to speak with a supervisor, but I was again told that no exception could be made. While the representatives apologized, there was no attempt to acknowledge how the promotional material itself could reasonably have led to confusion or to offer any meaningful resolution.

As a new customer, this experience has been extremely disappointing. I chose Bank of America in good faith because of the advertised promotion, made over $2,700 in purchases, and then learned that I would not receive the advertised benefit due to a requirement that was not clearly highlighted in the offer that influenced my decision.

I respectfully ask that Bank of America review my account and consider providing the promotional 6% cash back, or an equivalent goodwill statement credit, as a one-time courtesy. I believe this would be a fair resolution given the circumstances and would demonstrate Bank of America's commitment to transparent marketing and customer satisfaction.

I value fairness and honesty in business relationships, and I sincerely hope Bank of America will reconsider my request. I appreciate your time and look forward to your response.
Update: Bank of America 'client care' called me back regarding this and told me they would be denying my request as there was no bank error. If you want a shitty bank to work with that only wants your money and wants nothing to do about your needs as a customer, then go with Bank of America. I will be closing my account here.

Bank of America is the WORST BANK!! Horrible business practices, unnecessary fees, and overall greed. I will NEVER do any of my business with them again. And I'm sure I'm not the only one who feels like this!

I went to the Apollo Beach branch for a notary public and had the privilege of meeting Tara Oree who was very professional and friendly. She also explained the advantage of having the BOFA credit card to build up rewards instead of just my debit which I rely on solely for majority of my purchases. It was a pleasure dealing with such a warm and friendly representative of your company

Irresponsible and careless with clients—they lose our documents and refuse to take responsibility.

Opened a business account here separate from my personal accounts at another bank. Trying to launch a new business and this bank has been nothing short of a nightmare. While inventory is waiting to be shipped they help a check for 10 days, TEN DAYS!! Then after it cleared we wired two transfers to pay invoices. Money left account, paid for one day delivery and 4 days later the vendors have no money. THE ABSOLUTE WORST Business I've ever dealt with!!! Pound sand!!!!😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡leaving as soon as they open today

poor customer service, and difficulty getting in contact with B of A. I set up a new bank account and working under the direction of one their employees, i downloaded the app on my phone. however, in doing so, my login information was compromised, and i was unable to sign in and pay the balance on my credit card. I tried to get in contact with B of A with their credit card phone number but was not able to do so, consequently my balance was not paid on time. B of A refuses to take any responsibility for this and penalized me by a penalty charge. in reading the other B of A reviews, their poor service is not uncommon.

No incentives while funneling money in your account, but if you fall on hard times with a health crisis they’ll steal your last penny as a maintenance fee, worst bank in the USA and ironically named Bank of America. Capital One is a better option when finances are challenged

I've been a member with Bank of America for 35 years! Their website is terrible! Especially for accessing your account. Continually there's errors, continually you have to reset passwords, continually to go over and over again entering pertinent information that they should have on hand. Every single time I try to log into this account I have to call customer service and have them reset everything because their website doesn't run correctly! I'll be so glad when I don't have to deal with BOA ever again!

Spent 38 minutes on hold today so my account could be fully activated. I was told via their website they needed to verify suspicious activity on my account. Using the language suspicious activity of course made me call. That was a lie. There was no suspicious activity. The rep said oh they are talking about fraud. So then all the rep did was send me a 6 digit code that I verified and she fully opened it And unbelieveable waste of my time.

It just comes down to not being good human beings at this company. The useless suits running the company, the useless office workers contributing nothing to society. I build hospitals for 12 hours a day in 100+ degree heat, and this company REFUSED to let me use MY card, remove MY cash from MY account, get food/water/ or gas, when I needed it most, at the worst point of my life. I was refused access to MY funds/account/card/cash. I build hospitals for the world, you withhold MY money from me so that I can't even take care of my body after a long day working outside. Every single useless, soft rodent running around any of your offices should be ashamed of the human beings you each choose to be. Have some honor and contribute something positive to the world. This company is in control of how many trillions. Disgusting. You are what's wrong with this world, do not confuse yourself.

The worst. I was robbed in Colombia. They initially gave a credit back, after a month when I was in the jungle staying in a nice hotel my account was overdrawn because they took the credit back. I couldn’t pay for hotel and went to jail. Every day I had to deal with rude customer service on their FB page. False promises. Never got my money back.
I’ve had nothing but trouble with this back. I have overdraft protection yet they approving purchases and end up with negative balance. Can’t stand this bank!

After 27 years of doing business with this bank, they closed my account suddenly and without prior notice - They de-banked me! At the time, this was the only bank at which I had an account. They never gave me a reason; but, I suspect it was because of a lot of money movement into and out of my account, including international wire transfers, Zelle payments, etc. ALL such transactions were legal and legitimate; but, they labeled my account risky. I filed a complaint with CFPB, and the bank's response was even though they found nothing wrong in any my transaction, they decided to close my account and prohibit me from opening new accounts. This bank is run by a bunch of morons & a-holes. They don't deserve to stay in business. Take your business elsewhere!

Worst customer service ever! I have had an account with them for more than 20 years and I am so disappointed with the repeatedly awful customer support and policies that I never want to deal with them again. I will never recommend them to anyone and am going to start shopping for a new bank for all my banking needs going forward ASAP.

UPDATE: Bank of America repeatedly asked me for documentation for my 4part-claim. I provided it no less than 8 times. Electronic copies - 4. Hard copies by mail: 4
Today I got off the phone with a rep who was trying to explain why my claim (one of them) was denied. SHE WAS NEVER GIVEN THE DOCUMENTATION. After searching for it, and finding it.. she re-opened my claim.
This is not professional banking.

I'm shocked. Bank of America has been my bank for 30 years. But when I had a significant dispute this past month, they sided with a crook.

I had hired an embedded engineer on Upwork, to do highly sophisticated designs for a utility patent. After billing me thousands, I finally started to take a close look at the fact that I was receiving from him nothing but.. "I did this.. and I did that'.. and commentary on 'prior art', and the names of technical work such as 'sensor fusion logic'.. but no actual work. Nothing. When I asked the man for it his astonishing reply was 'Give me a couple of days'. Here he had just billed me for 5 weeks of highly technical work,.. but needed a 'few days' to prepare something to show me. But my bank sided with Upwork platform .. because they were able to show any real work? NO. Because over the course of working with the engineer, he'd text me.. 'I did this today, and I did that today'. And I'd say 'Great to hear'. And this - my response to him' was used as 'evidence that I was satisfied with his work'. And Bank of American sustained the crooked platform 'Upwork' that has no system in place to protect you, will answer you only in anonymous emails, will give you no phone number to discuss a problem even with seven thousand dollars hanging in the balance.. Because the banks get to keep their money. It's a disgrace. A 30 year relationship with this bank.. and they threw it away because I told a crook.. 'Sounds great'. I never did see what he said he was working on. And anything he sent to Upwork during my dispute - to prove that he did any work.. was in that short period after he'd already billed me for 5 weeks with no technical data to show for it. He put that together in just days, and the bank swallowed the lie - lock stock and barrel.. and left me to hold the bag.

***BEWARE***. If you are thinking about or on the fence about getting the Alaska Airlines Atmos credit card, think twice about it. This company is closing these accounts on people left and right without any warning. Great payment history, time loyalty, doesn’t matter, they don’t care. In addition, when they do, they won’t refund recent annual fee charges, and makes your companion certificates useless. I am still holding onto hope that Alaska will eventually move to a higher quality institution. The reviews, especially with the BBB speak for themselves.

My experience with Bank of America has been extremely disappointing and frustrating. I became a customer expecting basic respect, transparency, and protection, but unfortunately, I often felt that the bank’s policies work against its own customers rather than for them.

Many Bank of America ATMs still do not have NFC/contactless terminals, which is inconvenient in today’s world when most financial services are moving toward faster and safer technology.

What disappointed me the most was the lack of customer protection during payment disputes. I had several disputes regarding credit card charges for services that were never provided, and the bank did not support me or properly protect my rights as a customer. On only one occasion, the bank helped resolve a dispute involving a debit card transaction under $100. Overall, I felt that my concerns were not taken seriously.

Another major issue is the bank’s ability to place holds on transfers, even when the customer confirms that the transaction was authorized. Payments can be delayed, restricted, or even canceled without a clear explanation. This creates stress and uncertainty for customers who need access to their own money.

Based on my personal experience, I have often felt that the bank prefers to make important decisions quietly, without proper communication or transparency with the customer. This type of approach does not help build trust or create a strong relationship between the bank and its clients. A financial institution should work together with its customers, explain decisions clearly, and provide confidence that their interests are being respected.

The most frustrating part is the feeling that customers have very little control. The bank can open accounts, close accounts, restrict transactions, and make important decisions without providing meaningful explanations. When a customer wants to close an account, it cannot always be done at a local branch and instead requires calling a hotline and waiting close to an hour.

A bank should be built on trust, respect, and partnership with its customers. Unfortunately, my experience has been the opposite. I hope Bank of America listens to customer feedback and improves transparency, dispute resolution, and the overall customer experience. Customers are not just account numbers — they are people who deserve fairness, communication, and respect.

Customer NO-service. It is impossible to reach a live representative outside of the limited options. I have tried multiple times and it's impossible!