Bank of America Reviews 

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!

I have had to replace my card twice in the last three months. The last fraud charge involved two charges they sent me a letter saying the issue was resolved and the charges were never posted to my account. I just went to pay my bill and saw the charges had indeed been posted to my account. They are now saying that to address the issue which they claim I am liable for I need to close the account again (and all the work involved with automatic payments) and start the process all over. I will be cancelling my card.

My 20 year old son opened a new account because we just moved to a new area in florida. He deposited a check from a car accident settlement alittle over 12k. The bank placed a 3 day hold on half the a 6 day hold on all then on the 6th day places another 3 day hold now the funds were released to the bank the second day.after 5 days we recieved a letter telling him they have information that the check will be returned. Basically the bank is accusing my son of fraud and the lawyers office that issues the check as well

My account was in good standing and they closed my account just because I don't have the best credit score. By closing my account it put a ding on my credit.

I’ve been a customer with BofA for over 20 years. Received a legit payment from a pension plan and they initially said a partial hold would be done and then I get notification a full hold for 10 or more days is being placed. The customer service was bad and they denied Ty escalation to release partial. Once released I’ll be going to Truist Bank. Bank of America will not get another dime of my money.

Would give 0 stars if possible, unapologetically messed up my credit by turning my auto pay off.

Customer service is non existent. You’re either going to be directed to AI on the app or remain on hold for a ridiculous amount of time. I was on hold for 50 minutes. No option to get a call back. No one to check on the customer to say anything. Same with the branch on the corner of 72nd street and 1st Ave. there was a manager on duty I told him the reason for my visit and showed how long I had been on hold with no assistance what so ever he had me sit and wait while he did absolutely nothing . No customers for the first 30 minute wait and still after all of this no help with all of the issues I had with my account. Staff could care less and it stems from management

BOA Stage road in Bartlett Tn has the worst customer service and Managers can’t change a pin. Every visit there is long lines with one worker. Horrible Bank

As a business customer, I haven't been able to resolve this issue for three weeks, so I'm going to close my business account here. I called customer support three times because I couldn't receive an ACH transfer. I simply can't get money deposited into my business account, and I have no idea how to run my business with this bank. It's just awful. Several test transfers were made, followed by larger amounts, but nothing came through. All the account numbers are correct. I've called customer support three times, and today I went to the bank in person. While customer support at least tried to help in some way, the bank staff didn't even try to assist me. I don't recommend using Bank of America for business. I’m just going to close my business account here and open one at another bank with better terms.

Everything is wrong about the IVR of Bank of America. With additional AI implementation I can never get a live agent. Even if I get one after a long wait, that person almost always has to transfer to another person sitting somewhere in the world.

Every time I have to get something done at BoFA, whether it is simply to enable a digital wallet on your phone, or to get clarification on a charge - just anything, it is terrible. The only thing that works is making payment on the phone !

I also hasten to add that the staff managing customer services are always polite and good and try their best. Someone at the top who puts these process in place is all messed up.

They closed my bank account for not verify something, but i never see any messages or mail, and they hold my money they said they would mail it but over two month i keep calling ask to reissue the check or maybe the check is lost, worse bank and customer service ever

There service has fallen off a giant Ciff . They used to be top of the line.i would call get someone in minutes or they asked if you want a call back. Now it's hour and you never hear what place your end how long is the wait time. I put in a dispute for 3 things they say they are working on it but still only got credit for 1 if them for $22 still need 2 more for $40 each. What is going on. Please someone tell them they are the worst now. I am at the point the rewards are not worth my time it's been 20 days 6 phone calls over 45 minutes each for a simple matter

The WORST BANK EVER!!!! No not even consider joining this bank. Effing idiots. I have spent over 8 hours trying to figure out something that they messed up. I have spent OVER 3 hours on hold. When I speak to an agent, they aren't helpful and keep dropping my call. The absolute worst customer service I have EVER experienced. I do not write reviews ever, but I am so frustrated and disappointed. I'd rather step in dog shit for the next week than have to call bank of america and speak to an associate again.

Cannot get a hold of a customer rep. My credit card didn’t go through. I was told to call them. Can’t get a hold of them so I have to use another credit card.

On hold with customer service for 1 hour trying to resolve fraudulent charge. That was my fifth call over 30-day period with no response. That is horrible customer service for someone who has been a card member for 37 years

I am extremely disappointed with Bank of America’s customer service. I have been trying for two weeks to obtain information about my bank accounts for a legal matter, and despite calling every day, my issue remains completely unresolved.

Each time I call, I spend 30 to 45 minutes on hold or speaking with representatives who are unable to provide any answers or solutions. To make matters worse, when I finally asked to speak with a manager, the call was disconnected. This level of customer service is unacceptable.

As a longtime customer, I expected professionalism, communication, and a willingness to help. Instead, I have experienced endless delays, poor customer support, and no resolution. Bank of America needs to do a much better job training its staff and ensuring customers can actually reach someone with the authority to solve problems. My experience has been incredibly frustrating, and I sincerely hope no one else has to go through what I have.