Bank of America

I recently received a check for $3,000 dollars which I desperately needed to pay my bills. I deposited the check and the funds were held for 10 days. Now understand I never had a bad deposit and the check cleared my clients account within 48 hours. Because of the hold the bank bounced 8 payments that I made on time... well I thought on time. Bank of Ripoff America then charged me $35, eight times because of the hold of the check. Understand Bank of Ripoff America had the funds in there system but would not release them to me. I now have double fees from my billing companies and over $300 in fees from Bank of Ripoff America. I went to the bank. The Bank Manger Sonia told me to call the 800 number and she couldn't help me. She explained banking was risk and the check they secred the funds on was a rusk. I called the 800 number ran through that ridiculous treadmill, eventually talked to a supervisor and got ABSOLUTELY NOWHERE except they did say have a nice day at the end of the call. Bank of Rip Off America is only interested in fees on regular Americans trying to make ends meet. Shame on Bank of America!

Well first of all I get a promotional offer from AAA for a bank of America credit card, with a 0%apr offer on purchases for 15 billing cycles (as most banks offer when they're trying to get you to sign on) so I applied at AAA and instantly got approved. I get the card in the mail and pay off my heating bill and a couple others things to avoid any interest whatsoever. I pay a couple hundred on my first bill and when I got the second bill I see almost 6 dollars in interest fees. I tried contacting bank of America with the number on my card and on the bill and had no help at all, went to AAA and they said all they do is the application process and that I needed to go to bank of America to discuss the issue. So I do and I dealt with the most rude person imaginable at there office in Dewitt NY, she was no help at all but she did get someone on the phone who I had to speak to for about 30 minutes in their building trying to get this righted around, the guy called me back the next day and said it was all sorted out. I just got my third bill in the mail today and they messed something up, it shows the promotional offer which is great, but their still charging me almost 4 dollars in interest for some reason, now I have to deal with this process again. This is absolutely ridiculous, anyone I've talked to is very unorganized and not very knowledgeable at all. I've wasted so much time chasing them around. They are complete Crooks, if I was some old lady they could have really robbed me blind. I'm sure it will get sorted out but no one should have to deal with this kind of stress and nonsense. I went as far as to bring the promotional offer with me to the bank when I went in, I mean come on. Just watch out if you decide to bank with these people, keep your guard up.

I have been with Bank of America for over 25 years, I had paid off three car loans, and two mortgages without ever being late on a payment. I sell things online and occasionally I receive a bad check just like any business. Lately I received too close together I deposited them because that was the only way I knew to find out whether the check was good or not even though it might cost me $12. I thought that was the worst thing that could happen. I was suspicious of bothchecks so when I deposited them I never took any of the money, it appeared in my account because they were counter checks but I did not touch it. No harm no foul right? Not so with Bank of America. After the second one they froze all of my accounts, turned off my debit card, and locked me out of my online banking app. I was using bill pay and there was money I had deposited other than that to cover bills that I had scheduled. Bank of America credit card was one of them! They froze my money and the bills didn't get paid. I had to set up a new account and go through all the hassle of putting all of my contacts back in the bill pay and I didn't even know who they were because they still won't let me into my online banking. It's more hassle that sounds like. Anyways they had the money Frozen that was for the credit card bill and now they are charging me a $28 late fee because they had my money Frozen. It was some amorphous department that you can't talk to called closures that made the decision. No one ever called me back or spoke to me or explain why they treated me this way after 25 years! So if you think Bank of America is going to show you any loyalty in return for yours you are wrong! As soon as they decide you are no further use to them they will throw you under the bus like it was nothing, and never even explain why! The only reason I gave them one star is because this app makes you, it won't let you post a review until you give them a rating or I would have gone with zero Stars.

I APPLIED BANK OF AMERICA VISA CREDIT CARD WITH $95 ANNUAL FEE AND THERE WAS 0% APR BALANCE TRANSFER PROMOTION FOR 18 MONTHS. AFTER RECEIVING THE CARD THEY CHARGED $95 FEE BUT DENIED THE BALANCE TRANSFER PROMOTION. AFTER SEVERAL CALLS AND TALKS WITH SUPERVISORS THEY ALLOWED THE PROMOTION. I AVAILED THE OFFER BY PAYING 3% FEE AND NOW THEY CLOSED THE ACCOUNT SAYING THAT MY CREDIT LIMIT OF THE ACCOUNT IS FULLY UTILISED. THEY ARE GIVING WRONG REASONS THAT MY PAYMENTS WERE RETURNED. I TALKED WITH SUPERVISOR REGARDING THE CLOSURE OF THE ACCOUNT SHE GAVE ME ALL IN VALID REASON AND SHE LAUGHED ON MY CONCERNS. SEVERAL TIMES MY ACCOUNT WAS NEGATIVE AND ONE TIME THEY USED MY NEGATIVE BALANCE OF $429.19 FOR WHOLE MONTH AND ISSUED A CHECK AFTER BEGGING OVER THE PHONE SEVERAL TIME. NOW I WILL HAVE TO BEG MY PRORATED ANNUAL FEE THEY HAVE CHARGED IN ADVANCE.ME AND MY FAMILY HAVE DECIDED TO PUT ANY BANK OF AMERICA PRODUCT ON BLACK LIST. THEY BELIEVE THAT THEY ARE NUMBER ONE BUT THEY DON'T KNOW ALL CUSTOMERS HAVE MADE THEM BIG. IT'S REALLY WORST COMPANY. EVEN IT TAKES EVER TO REACH AN AGENT OVER THE PHONE.

I called two months ago to let them know that a credit card payment was going to be late, the customer service representative said "no problem,you've paid on time the last several years ", so a few days go by after the payment was due, they added more fees than the actual payment, what a bunch of gypsies they are, they keep closing branches, the hold time to speak to a person is insane, the customer service reps in the physical location are of NO help, they dump as dirt, I'm wondering where they hire these bafons from, then as a customer you have to stand in line with non customers,they (BOA) could care less about a human being, im moving to Chase where I'll be treated right. Shame on you BOA.

UPDATE - closed ALL of my accounts, with these "gypsies bankers" even the manager at the branch walked me outside of the building, said I made the right decision, and that he had, had over 70 people in the last month close ALL of their accounts, and he would be leaving soon, and would be going to a local bank where he would be respected.

I am writing this review to help others know how many doesn't matter how many times you're sued find you repeatedly steal from consumers and you help identity thieves to do the same thing I turned it into the Federal reserve because they oversee your stinking thieving Bank now what I want from you is every warrior transfer you made that were fraudulent through my checking account and I have the statements that I have forwarded to the Federal reserve also that fat Identity thief that you helped wire transfer I want the name of the wire company I have the statements with the wire transfers you have me buried in the hole not only that but the three count accounts that she fraudulently opened in my name to get to a life policy that Fidelity had you close those accounts took the money and you purged it when you distinctly told me you were going to refund it like the $300,000 for the property loss on my home that foremost insurance company put your name on by mistake you'll be hearing from the Federal reserve very soon and the interest I am charging you it's going to be unbelievable because I'm entitled to damages ginormous damages against your bank and Linda m Webster the identity thief

I've been with BOA for 20 years and I can't take it no more, the fees are terrible and they fix your account to get over draft fees, IM DONE WITH BANK OF AMERICA! They are terrible!

I went into the Bank of America branch on Boylston street, Boston location and got a rude awakening of what discrimination feels like. While I was there, the check that I deposited got stuck in the ATM. I saw one of the employees assisting a Latin American woman (on the white side), so I waited for her to finish with the customer and explained my situation. Then I asked if she could assist me. She said in a nasty voice; that she didn't know how to use the machine and that I would have to contact someone outside the branch. Not at any point did she walk over to evaluate the problem. Instead, she continued to be dismissive and cold.

I explained to the employee that it might be something that she could help me with since the ATM was prompting me to go back and put in the amount, but I could not find where to enter the transaction amount. She proceeded to ignore me and move on to an Asian customer that had just walked through the door. Talk about passive-aggressive. At this point, I knew that she wanted me to feel inferior, so I decided to speak up for myself, explained that I had a check worth thousands stuck in the branch's ATM, and to either assist me or call a manager. Again she argued that she did not know how to use the machine, but I held my ground.

Finally, she came over, pressed a few buttons, and it turned out that she ‘did know' how to use the machine.
Frustrated by the employees lack of professionalism, I asked to speak with the her manager. That's when I learned that the woman discriminating against me was the branch manager. I left in disbelief. I felt like I was being pitted against the other two customers because, in her mind, I did not fit the demographics of that area. The message that I got; is that my business is not as valuable because I am black.

After experiencing this level of disrespect and unfairness from this branch location, I hope Bank of America does something about this systematic racism amongst its employees.
I'm sharing my story publicly because I hope people will start speaking up. And finally, I don't want anyone else to go through what I went through.

I should've read all of the reviews before I decided to open an account with Bank of America. After opening an account, because the banker that open the account told me to do so, I wrote myself a check for my old bank to transfer the funds that I had in my old bank to my new bank account. For some reason that they will not tell me, this check was labeled as fraudulent and Bank of America decided to go ahead and close my account without any sort of way to rectify this issue or keep the account from being closed. The only thing that they have to say to me is that the account is being close and there's nothing that they can do to reverse that decision, and that their system labeled the check as fraudulent and there is nothing to rectify that decision either. That check was NOT fraud as I wrote it to myself from my previous bank. It bounced because I wrote it for a specific amount and when it finally decided to pull, the account had only $20 less than what I had written it for. A bounced check suddenly counts as fraud? It suddenly requires you to close my account? Every one of my bills are due right now and they have nothing to tell me except that I have to wait for a check to come in the mail so I can receive MY money that I entrusted to this bank. DO NOT TRUST THEM. The policies are outrageous and the customer service is HORRIBLE. THEY DO NOT CARE ABOUT YOU. My bills are going to be late and I very well could be put into debt because of this incompetent bank.

Even One is one TOO MANY for this Institution. Deborah Monroe an employee over at ******* Moulton Parkway Laguna Hills, CA doesn't know her right hand from left and because she is new and was struggling over helping a customer at her station ( obviously not knowledgeable enough to do the business of a "relationship Banker" of all Positions/ titles they could give her)!
They couldn't be any more wrong for choosing an absolute Rude person for this job title. She's awesome in destroying customer relationships not building them.
This sour, rude woman with a bad attitude actually turned me away and ask me to come back some other time when I wanted to open a New bank account 10 days ago! I found her behavior unacceptable. I would not recommend this Branch to anyone, they should get her disciplined for treating the new customer in the way that she did. Only because they were short-handed she was turning me away around 11:30 a.m. Not even lunch time or close to closing time to be so quick to get rid of me!
What really bothers me is that the manager and another person were at the bank and she was speaking for them as well by saying they cannot help me today asking me to come back another time when my business was Urgent! That's totally unacceptable.
She was either prejudiced or
Simply stupid for doing this to a customer. I will not let go till she gets punished.

I should have just walked away and took my business elsewhere but it was urgent that I opened up an account right there and then and I have already invested 45 minutes of waiting time. I had a talk with her manager that day and he apologized for her and said he'll pass it along as he found her behavior unacceptable. I am leaving this rating on this site just in case he forgot to report her, she should be disciplined that's the least they can do. With so many qualified people looking for job it is a shame that such titles go to some undeserving people like that Deborah M. So, why not give a professional with a nice attitude a chance at the job that she is occupying so un-deservably? B of A needs to take a serious look into employees like her in order to prevent their image from being tarnished any further for poor customer service.

I will NEVER be coming back to Bank of America. I received and email and statement in the mail telling me that a payment was late which I was surprised by because I have automatic payments set up. I called the number my account told me to, and a woman answered the phone. I told her that my account was suspended and wanted to know what happened about the payment not going through. She told me that I called on Feb. 11th and asked Bank of America to cancel my automatic payments, which I DID NOT do! I told her that I never called and refused to accept my answer. She continued to tell me over and over again that she has on record that I called and spoke with an agent. I told her that I was worried about security problems and people having access to my account since I wasn't the one who did that, and she said that there wasn't a security problem because Bank of America is secure and reminded me that I WAS THE ONE WHO CALLED. She then proceeded to tell me that there were no payments due and that my account was not suspended even though my account was showing me in RED that my account was indeed suspended & I had a late payment. It took me over 2 hours to get this error fixed. She was even trying to tell me that my account wasn't suspended. I paid my late payment over the phone and will be cancelling my card after I have confirmation that the payment went through. DO NOT waste your time here.

BOA is charging $25 maintenance fee on ALL accounts. This IS NOT the agreement I signed up for. I am a 32 year customer. This is POOR BUSINESS PRACTICES.

So, yesterday I received a notice about a disputed charge that dates back at least 2 months, that they need more documentation about. I have an email from one of their reps indicating that they had credited my card back then, and thought my case had been ratified by now. I try and look up that charge on a past statement, but only the last 2 statements are listed on my account online. They're closed today and have limited telephone hours of operation (it's Sunday). I have 10 days to give them more information, but will need to pay them $5.00 for them to mail me (from TX, I live in NYS) a past statement that is only 3 months old, that reflects that charge. Chances are, even if I pay the $5 charge for the statement, by the time it gets to my house, it'll be too late, and they'll have recharged my the disputed charge, that I thought had been dealt with already. I've never had to pay for a statement like that. Seems ludicrous to me. Actually, I didn't know that, the "Spirit Airlines" credit card deal of 40,000 points free for signing up was through Bank of America, otherwise, chances are, I wouldn't have signed up, I've had issues with them in the past. I have very good credit, I always pay my bills on time. After calling Customer Service, going through about 10 minutes of prompts, that's when you find out they're closed. The dispute I initiated is valid, yet here I am. They don't give a damn about your time and energy, it's about them not you. Thing with banks, credit cards, mortgages, etc., is that one is thrown in with the rest of unethical garbage out there and expected to fend for themselves, including the customer services reps who clearly have questionable ethics made all the more obvious by their innuendos, clear inaccuracies (that you don't find out about later) and attitudes they present with you after going through their biased A. I System on the phone. Banks are in the business now, of screwing their customers.

Terrible services. I waited 45 mins to get customer services, which did not solve the issue due to the lack of transparency in its policy.