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| 1 star: | (30) |
I liked this bank until I was locked out my account for nothing
BOA is not only the worst bank in the world, it's one of the worst companies to ever exist. You will regret using them.
This is a warning to anyone interested in doing service with Bank of America. I am frustrated on how I was treated as a customer banking over 30 years. I am a PREFERRED HONORS PLATINUM client.
My credit cards were closed this April with ZERO notice. I have lost over $700 in accumulated rewards. Customer Service was unhelpful at the branch I went to as well as over the phone. I had called over the phone and interacted with various representatives several days after closing my account and experienced ZERO help. All they kept saying was “Sorry for the inconvenience”. If they were actually apologetic about the matter, they would immediately help me resolve the issue the same day and NOT close my credit card accounts with my hard earned money. I also find it difficult that I had to call 3 different customer service numbers to try to understand what happened with my account.
The representatives told me that they sent me emails and sent post mails about them trying to verify me through KYC. I have NOT received emails or post mails regarding them closing my credit card accounts. I have specifically requested that I received post mails regarding my accounts.
I also have a credit card with another bank. I had a fraud charge on my account. I called the number as soon as I found out about the charge and they resolved my concern within 10 minutes.
I had fraud on my Bank of America account in May 2023 and I had to jump through multiple hoops to resolve that problem. If I say there was an issue, it should be treated seriously. I couldn’t believe I had to wait 3 months with multiple phone calls with frustration of spending hours to get that fixed. I had to go to the police station to create a case.
If I received this treatment as a PREFERRED HONORS PLATINUM client, I can only imagine how clients who are in Preferred or lower tiers are dealt with. This is seriously horrific. I advise clients use a different bank to do their business.
After 3+ years of having my account, always active and always in good standing I changed my phone number thru their app. This immediately got my account locked. So I tried calling the number they gave me to call, after being transferred 4 times (1 hour on phone later) they tell me it can only be unlocked in person. So I go to the bank, there I have to wait 1.5 hours just to be seen at their Fondren Rd location in Houston. I tell the guy who I was assigned to I'm there to unlock my account so I can pay my bills due today. He asks all the questions he could come up with to verify it's me (even tho I handed him my driver's license and bank of america debit card for the locked account), 30 more minutes later he supposedly had unlocked the account. But I get home and to add insult to injury the login was unlocked but my debit card was removed from the account and both my ability to use Zelle and/or to link the account to my CashApp were still blocked. So now I have 3 different late fees all because I changed my phone number on the account.
Save yourself and DON'T use bank of america, go anywhere else; even a squirrel under a bridge will take care of your money better.
Absolutely a bunch of crooks they live off trying to get you to have fees and fines penalties and things like that they are the worst bank in the world if you want a real financial institute go to a credit union credit unions are way different they take care of you how I know this I worked for two Banks PNC Bank and National City Bank and that's how the banks run they like to be Shady but like I said Bank of America is the worst bank in the world
I wanted to open a short-term CD and found a good rate at BOA. Thought they'd be a safe choice because they're a major bank and had a physical location just down the street. The process to open a CD was really bizarre; had to choose my occupation from a list of random specific titles ranging from "CEO" to "vending machine operator," but with nothing matching normal titles in the working world. Then got a message that my account was "under review" and that I would get an email when it was opened.
BOA took my money by ACH the next day, but it was 11 days before they "received" it and could open the account. Meanwhile, I missed interest that entire time.
It seems ludicrous that in 2023 it took this long to open a CD account through BOA, when I went to Marcus by Goldman Sachs and my account was opened and funded instantaneously and I started earning interest that very day. I regret that I tried to open this account at BOA and would have aborted if the money hadn't been completely locked up. The difference in the experience with Goldman Sachs was night and day.
If you do open an account with Goldman Sachs, we both get a bonus percentage point on their online savings account if you open using my link: https://www.marcus.com/share/JEF-L73-SPAN
With the bonus percentage point, the online savings account is about the same as a CD rate at the moment.
We have used BoA for many credit cards for years, starting out with bonus offers and 0% interest rate offers. Recently have simplified our finances and now have two credit cards with combined credit limit of $59,000. However I am philosophically preferring smaller banks and credit unions so am using the credit cards infrequently.
***Today I discovered that since my last automatic full payments in July and August, the bank had "forgotten" my outside checking account for automatic payments so that one automatic payment didn't happen, and the other one was about to not happen. One of the two accounts "remembered" an old checking account that had last paid BoA in 2009 and which I had closed in 2015. I paid both accounts by phone and customer service refunded a $1.68 interest charge, and moved to cancel an impending late fee.
We had a BoA basic checking account for a long time but only needed it to occasionally order Euros to take on trips to Europe, got tired of maintaining $1500 balance to avoid monthly fees, so I closed it.
It makes me nervous that their system "forgot" an autopay setup which had worked 5 months ago while "remembering" an account that had last been used 14 years ago - which makes me feel unsafe about their other storage of our data.
Recently I was on hold for 49 minutes before hanging up. They did not read info sent by a merchant on a disputed charge, seemingly believing charge was valid because of front statements. Interior pages revealed merchant was supposed to have refunded & send me an email. They also set a very low ACH transfer limit. I've been with them all my life, but am seriously thinking of changing.
Opened a checking account with them, because I wanted to take advantage of a branch that is super close and the opening bonus. Was successful in opening the account, but the initial deposit did not go through and they subsequently suspended online access to my account. Had to go into the branch twice (first time they told me to call a number to re-activate; second time was because that number said I needed to go to branch again to ask banker vouch for my identity) to get the account re-activated. To set up an external transfer, you have to input your phone number and a debit card number/PIN (they should've mentioned that it has to be a BoA debit card). Overall impression was they made the security measures too complicated and over the top.
A bank of America ATM in Beaverton Oregon cancelled a transaction of $1000 applying restrictions to my card and rejecting it due to suspicious activity, however they took the amount off my account without dispensing money, I talked to the branch manager immediately after that and sent me to 1800 number from a different state, until today 2 months later the bank never returned my money, they just stated that there was no error, I don't understand why they took my money at first place when the withdrawal was cancelled, don't take the risk using this corp. keep your money yourself or go somewhere else. That's how they get rich, stealing the money from Americans, what a shame.
Discrimination !
Branch Address : 1300 E Oakton ST, Des Plaines IL 60018
Time and Date : 12.40 pm- 1.40 pm
Complaint : I waited my turn in the Counter line, while I was waiting my turn some bankers came and invited some customers who were waiting behind me ! I kept waiting for my turn, finally it was my turn and I told the banker Madam that " I would like to change my phone number " she said that "She can't do that at the counter so I need to sit on the sofa and wait for the next available banker for change my phone number. Two of the bankers were free but they didn't call me, after that the Mr Banker invited another customer who came after me. The another Mr Banker was free but he didn't invite me either. While I was sitting waiting on the sofa another gentleman entered the branch and said that he wanted to open an account. Madam Banker asked him " Do you have an appointment " and he said "NO" but Madam Banker showed him how to get an online appointment and find him a banker quickly, but I was still Waiting !
After a long wait Mr Banker invited me to his office. He said that he changed my phone number in the system. I checked my online account but it was still the OLD number. He said that "it takes around 30 DAYS to replace the new number in the system ! "
I believe , The interior Security camera recorded everything that I told, I'm ready to go the court to prove my allegation !
I felt a deep discrimination !
No Discrimination in the USA !
Vote with your dollar and stay away from the bank. We’ve been their customer for 13+ years and all we get is a thanks for being a platinum customer. They held a check that their mobile app says would cover all the charges posted on that day. Next day they reversed a major transaction saying acct was insufficient because the acct fell below and the check could not be used to cover the charges. This caused a penalty with that vendor locking us out of the acct for 5 days as per contract and until they receive the funds. Our total lost because of BOA’s mobile apps misleading information caused us to lose 2k in revenue. We will be slowly closing out all our accts. We don’t need a thank you for being a platinum customer. We need reliability and trust worthiness.
BOA wasted our time & effort in trying to get a HELOC, by requesting hundreds of pages of documents sent to them, and many were irrelevant. Then they wanted more papers, and then still more. They were never satisfied. We Finally gave up, when we realized they never intended to give us a HELOC, in the first place. Being out of debt, with a good income, & 820 credit score didn't matter to them. Maybe they only want all your information. Don't let them waste your time, & steal your info.
THE. WORST. BANK. EVER. They force their customers to use debit and credit cards with ZERO security! These cards are wide open and ready for someone to drain your accounts. Bank of America does not inform you of this nor give you any choice in the matter. They make these decisions for you, I assume, because they think they know better than their customers what is best for them. If you dare complain about this, they effectively tell you "Too damn bad, suck it." I have been waiting for a SECURE replacement credit card from them since MAY. We are now just a few days from SEPTEMBER and so far, NOTHING. THE. WORST. CUSTOMER. SERVICE. EVER! Think dealing with a government agency is a pain? What about the cable company? Combine those two, multiply by about 10X and that's what dealing with this bank is like. They have been fined HUNDREDS of MILLIONS of dollars by the government for their illegal and unethical ways of doing business. Look it up, I am not making this up! Avoid this bank at all costs!!! Your money would be safer and more secure buried in your back yard. Do not walk away from this bank, RUN!!!
BofA makes it way too easy for people to steal from your accounts. They have security cracks that allow scammers to order an ATM card and pin (which they can then steal from your mailbox). Then their policy is that one ATM card/pin be used to withdraw up to $5K cash per visit from multiple of your BofA accounts with no other ID. Scammers can hit multiple branches per day to steal a LOT of your money from BofA accounts. Unbelievable - but true. Then BofA takes up to 90 days to investigate before restoring your funds. And then require that you unfreeze your credit in order to open an account to replace the old compromised account(s). (Normal banks do not require any type of credit check for opening a deposit/debit account, but BofA does - perhaps to determine if they can sell you other products such as credit cards, loans, etc.). The credit union that I am now moving to requires a photo ID matching your face in order to withdraw any amount of cash, will call you to verify before withdrawing over $1K of cash and uses a deposit (not credit) account verification service for opening new checking accounts. I've been with BofA for decades but now would NOT recommend starting up anything new with them - certainly not with any significant amount of money exposed.
I've a no frills business fundamentals checking acct. To keep it no-fee in my case requires $5k there or in an associated account. So, thinks I, I'll get a CD now they actually have one that doesn't totally rot. Not good, but better than nothing. I'm currently in their gold level rewards after briefly being all the way up to Platinum-plus and figured it might speed things along using that high priority business phone number since BoA refuses to let you communicate with them via messaging like all other grown-up banks. Nope. Transferred four separate times, not once to anyone working for rewards customers. With all the ignore music time and two hours in, I switch handheld phones twice from dying batteries. Finally get a CSR who simply can not do anything except read rote blurbs that are available online and don't answer my questions. I want to know what CD specials rates are available without having to go through every single month's term, 1,2,3,4, +,+, infinity on the website. Then, a confirmation question that a CD would be an associated account that if with a big enough total amount would prevent monthly checking fees. Surprise. Nay, nay. It is not classified as an associated account. CSR advises I get the CD and replace that amount back into checking. (That level of Duh astounded me). So friends, here's the summary conclusions- BoA cannot provide customer service without causing pain and grief because their time is valuable and yours is not. -Laugh out loud at any sort of benefits from their rewards programs regardless if at level 1,2, or 3. -You will be fee'd to death any way they can creatively invent and there's nothing you're gonna do about it. The barrel I'm over means I'll keep my account for my unique reasons, but know for sure I do my actual adult banking elsewhere, and so should you.
This bank is the worst. I had mistakenly overpaid my credit card with them for $14,000. When I requested a refund, I was told it would take up to 2 MONTHS for them to return my money. When I asked why, they said, “It’s under review”
How is this possible? They have all the data, payments, etc. What exactly needs to be reviewed?
Not to mention, the time I’ve spent on the phone between hold times, being disconnected, etc is now well over 5 hrs of my time. When you get disconnected they don’t call you back because “they don’t have an outgoing call center”. So, you have to once more, go through the phone tree and hold times to reach someone.
People usually do not like to use their valuable time and spend it on a negative concept but if we do not spread the awareness then the actual negativity will grow and that is why this review about BOA is being posted, hope it could reach more readers,
Basically It is about BOA and how in comparison with other similar size banks such as Citi or US bank or Chase and or major credit card issuers such as Amex, Discover or Capital One, BOA has gone down in its customer service and financial product offers and values past 3 yrs and specifically since the Ukraine war and interest rate raise and really rapidly losing its touch with customers and fair business practices since the start of pandemic, and as mentioned more rapidly after Ukraine war and interest rate hike.
I have been a BOA customer for about 25 years and have had contacts with their customers service many many times throughout these years for my different accounts such as 5 different Credit Cards, multiple Checking Acc, HELOC, etc , I have been a member of their advisory panel as well for few years during these times. but within this 25 years I never noticed the quality of their products and level of customer service to fall down so rapidly as it has been past couple of years and also the quality of how they treat and respond to customers concerns or request or applications to be this poor and deplorable and or shameful, Within the same time period of the last 2-3 years to correlate it with Covid and Ukraine war later I compare my BOA experience with other banks that I have active accounts with and been in contacts as well such as,; Chase, Discover, Citi, US Bank, American Express, Union Bank, Ally, Vio, etc and none of them like BOA has lost their customer service and product quality at any level compared to BOA and how they are having such long wait times and denial of your requests.
To bring few examples, while I'm being their preferred reward platinum client they given me a nightmare and have forced me to have multiple calls and letters to customer service and also denial and rejection of valid online document to be able to finally dispute just a $15 invalid charge and took them 2 months to approve it and finally for the credit back into my account, That same process few yrs ago was almost instant and they used to issue temporary credit while investigating it but that practice is gone now and no more temp credit they ever issue.
Another Example of their products going down is the discontinuation of the Better Balance reward credit card as of May 2023,
There are examples of denial of new card or loan requests with unusual excuses such as that promotion has expired or no longer available.
I leave it to readers if you like to join and share your own experience about their recent shortcomings
I am deeply dissatisfied with Bank of America and will never ever consider doing business with them again. They abruptly closed my checking account and credit card without providing any justification, simply citing it as a "business decision."
In the absence of any explanation, I am left with concerns that the account is closed because my personal information may have been compromised and used for unauthorized purposes. It was imperative that I know the reason for the closure so that I can take necessary actions to protect myself and prevent any further misuse of my personal data.
Furthermore, This checking account was linked to dozens of other accounts, both for deposits and payments. As a result, I now have the arduous task of individually modifying all of these accounts.
For years, I have utilized this checking account as an integral part of my daily routine. I never anticipated such abrupt action from the bank. it's not that I'm attached to Bank of America, it is inconvenient to switch to a different bank. The issue lies in the sudden abandonment of their responsibility towards me, as a customer. I believe that banks should not have the authority to unexpectedly terminate an account for "business decision" reasons.
I sent a complaint Email to CFPB (Consumer Financial Protection Bureau) and informed them about what happened. I will write reviews about this incident everywhere and do everything I can to let people know about what happened.
Horrible customer service, HOLDS YOUR CHECK DEPOSITS FOR A WEEK, due to the banking crisis I was told, how does BofA except any one to run a company that holds funds for a week?? I was told it's new policy due to the banking failures recently. What a joke!! They just want to make interest on your money and gamble it on investments, only looking out for themselves!!
I had banked with BOA for many many years. Had fraud from AT&T somebody purchased 1,000.00 on my account. Georgia BOA took a few weeks to track it down, finally put the money back into my account. I was so happy. Meanwhile, I moved to Oklahoma. Went to the Tulsa, Oklahoma location to withdraw the money. They immediately placed a hold on my account. So, I went back another day, I didn't really understand what was happening. I'd been to Tulsa a month ago to buy a house as my family was relocating. I had a new "Oklahoma" drivers license and showed them my new and old documentation plus my divorce just to prove I am who I am... They just went silent, go security and said I was not welcome in their bank. I was so sad and started crying. I told them that this was basically all of the money I had and I was applying for unemployment but had not received any money yet. I wanted to do direct deposit, but I was afraid for them to take more money. I said ok, I'll close my account, they said you don't need to do anything except leave the building. I never did get my $1,000.00. I guess I will never ever use this bank and I will keep my money in my pocket and spend it before someone at another bank steals my money. This is not the first time I've had fraud from BOA, this was the first time I'd gotten my money back so I figured I'd leave it in there until I got moved to Oklahoma only to be ripped off. I don't know just how much I've lost over the years, but I stayed with BOA because in Georgia it seemed like BOA was the best choice (back a few years ago). Nowadays, nobody can afford to lose a dollar. I will not trust them again.
BankofAmerica sucks! Closed my accounts which left me stranded w out a penny to my name for 5 days now! All I'm getting is the run around about getting my money back! Bills are piling up, my phone is going to be disconnected, my animals need food and as a diabetic I do too! I could die w out food and meds and you refuse to give me my money back! The whole state was put on emergency for the storms coming which the wind uprooted a tree unto my yard. You people don't care if I die or my animals do. This is beyond bullshit! Tired of getting the same bullshit when I call daily. 3 hardship requests have been put in now. Numerous escalations. And nobody is responding or helping me! I need my money!
Do not bank with BofA. Their check hold policies and practices are unreasonably long. They do not honor the hold stated on your receipt. Your deposit can be flagged by their system as high risk and then additional holds are placed. They do not tell you that though until after the fact. Even if you call and complain, they will just tell you there is nothing they can do. Checks clear in 3 to 5 business days, so a hold of 10 days is extensive. Most other banks will release at least $100 to $200 right away, and then the remainder in the next few days. Not Bank of America though.. stay away if you want your money in a timely manner! If this has happened to you, I would encourage you to join me in filing complaints with the Office of the Comptroller for the Currency, the BBB, the Attorney General's Office/Consumer Complaints, and to BofA's Feedback email address, which can be found by googling complaints to BofA.
I was with them for years. All of a sudden they closed my account. They won't even bother to inform you or perhaps find a solution. No NSF's, account not overdrawn, nothing. I would deposit and transfer to a high interest earning bank account in another state. Guess they want me to keep my money in their .01% private relationship banking account or what ever it's called. What a joke. ??
We opened checking and savings accounts with them a few years ago. The savings account was to earn interest on our retirement money, but even now when many banks are paying over 3.0% on savings accounts, they are paying between .01% and .03% depending on account type. For clarification, that's not 1% to 3%, divide those numbers by 100 to get their rates. In my opinion, this bank is just awful.
After 30 happy yrs with this bank for our personal and biz needs we moved to Italy and all hell broke loose in the last couple of years! They claim their scam level is so high since Covid that they make it really difficult to operate your own account. We kept getting locked out and unable to open a CD etc. We personally know bank managers up and down CA but they were helpless until we actually were present in the bank. Even though 5 high level BofA executives knew us personally and even recognized our voices they could not verify our identity! Finally one of these execs told me to take my acct elsewhere as the problem would be getting worse! I went to CA and moved it all to Chase and no more issues!
Bank of America is causing me to lose my business and my employees. It’s been two weeks since a garnishment was released off my account. Bank of America was supposed to release my fund 48 hours later right after the released. It has been two weeks that they have been giving me the run around about giving me access to my fund. I have not been able to pay employees and our bills. We are trucking company , now we have to park our trucks because we can’t purchase fuel, we can’t pay insurance and can’t even pay our monthly parking spaces. While they have all the company funds they are talking about
Investigation . Employees need to pay they rents, their kids day care but they can’t because they can’t get paid. The company account have millions deposited through it already. Why now after the garnishment they want to investigate. Try to reach out to them every day and every day I’m getting the same answer for two weeks “ in 48 hours” now it’s been over 300 hours have passed and still no resolution. Tomorrow is Friday and we won’t be able to pay our employees for a third week just because Bank of America and their legal team don’t care about their customers.
I’ve been a customer with BOA for 5 years now. Not as long as some, but long enough to be in good standing. I’ve had multiple checks over $30k deposited and some funds were released. I had an $11k check deposited yesterday (6/21/2022) and was told by the teller all funds would be released in 24 hours. However, that was NOT the case this morning. I tried calling to see if any funds could be released and was told that the bank randomly chooses which checks to verify and low and behold, this was the $11k check’s lucky day to be verified, and funds won’t be released until 6/30/2022! I needed some of the funds released for some upcoming bills, but was told there’s nothing anyone can do about it. Save yourself the headache and bank elsewhere. Their deposit process is an entire joke and other banks can and do release funds as days go on and as soon as my funds are released, I’m done with this bank.
12/20/21 boa ATM malfunctioned and stated that I withdrew $100 out of the atm when i deposited $375, into the atm. Boa has tried to hide the fact that these atms malfuntion. I took screen shots and they done everything they could to correct my account but put the correct amount on the account info..They closed account yet they only refunded what the machine asked how much I had deposited and I stated 175 while i was still completing the transaction of the machine taking and spitin money back out...I was never refunded and i was told that i only inserted 1 bill yet I stayed at the atm for 30 min..They have lost my respect for them eventhough we give banks our checks before we know the amount and soon as we need loans anything pertiaining to the customer winning we then turn into the enemy...and they do everything they can to prevent you to excel. They lied stated i withdrew $100 after a temp credit was given to me they made the $100 dissappear and made it look like i only receive a $100 credit for nothing...Boa aint ish.. BOA owes me $300 totally from the $100 for the withdrawal I never done but stayed on my account for 3 weeks to the $200 that I deposited into my account to complete the $375 deposit I made on Dec 20, 2021. That they never gave me credit for that why when asked if I would like my account back I politely declined because if they attempt to cheat a customer who saved that atm from the worst that night, and they show no respect for that alone, and not even offer a dime to me then I don’t need no cutthroat bank receiving my money that don’t even attempt to settle this situation more professional then I don’t need them taking from me.. Please look into this situation before I actually hire some legal assistance to show the truths from the screen shots of the account stating I had withdrew money to BOA erasing the withdrawal off 3 weeks later and still not realizing I have a receipt….
The agent mis -represented my claim over the phone and stated I only asked for a refund verbally. I explained I had the signed form and the persons name I spoke with regarding canceling and returned that form the same day I placed the order. I had three days to so. On 11.23.2021 the bank gave the money back to the merchant. On Dec 6, the merchant put it back. You asked for a photo but tell me my screen shot was too small. SMH. I'm then asked to join this website when I only wanted to post this story. BOA isn't going have anyone wanting to do anything online with agents in the near future. Then let me know how's that working for you. The transcript wasn't sent to me for months letting me know about the reversal of funds should had a transcript immediately after filing the claim. The whole trans action took place on Sep 3,2021 Need proof look at the account.
Good Bank - Nice Clerks Here In CA
Not the biggest fan. Service wasn't good, and wasn't bad.
One of the big banks I wouldn't choose from, just like Wells Fargo. Its not good and its not bad, its just OK. Waste of time, find a better bank
I needed a $30,000 loan for a car and Bank of America was so easy to give me to me. Of course you need a decent credit store and bank history, but nothing incredible. Great bank!
My branch here in Southern California is so friendly and helpful. I've seen a lot of bad reviews on BOA, but my personal experience has been amazing. I think it really depends on your branch, so my best recommendation would be to visit a branch and determine from there how their workers behave.
High fees and badddddddddddddddd service, just dont do it. Horrible bank and horrible experience
Not only do they have a basic service, Bank of America invests millions of dollars each year into fossil fuels, which destroy our planet only so they can make a profit. I've been with Bank of America for almost 10 years, and sadly I only found out this year what they're doing. Most of their users don't even know this! Google it and see for yourself.
after 20 yrs . I have had enough. When they put a hold on my check from another banking institute also located in Charlotte NC. (For 6 days) That is it im finally done as well as monthly fees. Not to mention this latest fiasco really caused me some problems. after an hour on the phone , i was told basically there ws nothing that could be done. Set back and wait on your money. LOL.
I banked with them over the years and years ago, but need to close the account down due to dissatisfaction with their overall service and product. However, later down the road I have decided to give them another try due to a need that I wrongfully thought that can help mitigate, but instead I was left with yet again, another utter disappointment and inconvenience and I am looking to run away again. It’s like going back to an ex-lover who asks you for money every month, and beats you periodically to assert their dominance. Not to mention, how they are such of a nightmare when used with third party platforms like ‘PLAID’. You’ll grow cobwebs out of your armpits while the issue persists. Is your Platform Security in charge an intern?
I have for some time now been upset with Bank of America's service. Remember when you could just run to the bank on your lunch break and do your business?
That's when B/A realized we where the source of their local business. They always made money off our money ....it is a business.
But now:
1. I send money to my mother to buy a washer
-so why does Bank of America need to know
why I am sending her money and make a report of it?
2. My husband deposited my check into out joint
checking - did he have to tell them where the money came from---My private business. Plus the amount was $475---no the money laundering amount o $5K or above....
3. They use to know their customers. Not now!! You get that syrupy smile and then "I am sorry we can not help you with that...or I am sorry we need this and that.... and the infamous I am sorry about that; is there anything else I can help you with.
(anything else would imply they help with somthing already. I tell they are clueless)
4. When our acct was hacked, we close down one of our accounts and reopened a new account.
Your new checks now sent to you by fed ex or USPS (one of them) and you have to pay for the shipping....a big expenses.
I asked for counter checks (free) until the new checks came. I was told to use the mobile app.
I said we like using checks and making deposits in person. We are seniors and many seniors like writing checkes..I then asked how would my mother do business with B/A when she is legally blind and is homebound and does not have a computer or smartphone ...Answer: Have your mother come into the bank and use our computer that is for the customers...grrr - okay B/A does not have good listening skills either... did I not say my mother is blind, homebound and does not have a computer! or a smart phone! (she is 92 and her husband is 97)! Then I said, so you are basically cutting out the part of the population (primarily the elderly). The teller said Bank of America wants to go Mobile Banking and do not want the traditional accounts. mobile or in person, the only hacking is Bank of America's own computers....how many times have they had accounts hacked....
So we are banking at 'Bank of America' why?
We have accounts with Wells Fargo and Umpqua so I will be doing most of my business with Umpqua as I get top notch customer service there?
Bank America wants you and me to be the tellers.
Then they try to influence you that want all you documents emailed so they are not bothered with postage,
and if you need assistance to make an appointment on the phone - just using the phone these days to set up appoints can be a nuisance;
they will text or email notification that
you appointment is confirmed which you never received.....How much time was waisted.
I do not my qualify of life to be shortened by all the time I am waiting for a confirmation that never comes.
ONE more thing....Do you get those
surveys later that says HOW DID WE DO?
I have answered --- but no one calls or emails me back....There have been zero changes in their customer service....hummmm
No I would not refer anyone to Bank of America.
--- my Overall rating is Stars is 0. There is no zero in the 1-5. But my 1 star....means -0
Feds passed some regulations as well as recommendations to try to alleviate some fees during the Covid pandemic. This bank has not chosen to adopt these pandemic policies. Instead they have reduced the number of tellers that would normally be serving the customers. The bank uses Covid to its advantage to save money and meanwhile has the highest and most fees compared to other banks. They give no break to their customers, lines are often very long, very long waits. They pay very low interest rates, mostly just pennies back to their account holders, meanwhile they invest and profit high percentages on their customer's money. Almost makes you puke. How much extra does the customer need to pay them for the privilege of letting BOA use their money? I visited a branch a few days ago. The line was out the door. There was one teller working. Packing the bank like this with people was only making the danger of Covid worse. I was told I would need to make an appointment to discuss new fees on my account.
Due to the ongoing COVID pandemic, on April 24, 2020, Reg D has been temporarily suspended by the Federal Reserve Board, but not at BOA. Regulation D set the goal of making it easier for people to access their savings deposits without penalty, “at a time when financial events associated with the coronavirus pandemic have made such access more urgent.” But not at BOA.
BOA would not consider removing any of the fees, what crooks I thought.
I checked several other banks and they all have less fees than BOA and these other banks have suspended the fees during the pandemic. The banks I checked I did not need to wait on long lines either. So I cancelled my account at BOA and now I have my money in another bank. I make more in interest, pay much less fees and no longer wait on long lines. I even receive customer service when I need assistance.