Review Time
I have been a Bank Of America customer for over 25 years now & now things are just getting so bad with them, I am closing my bank account & credit cards.
I cant believe that a bank could treat a customer so bad when they have been with them for as long as I have.
I worked hard to get my credit score up & to get a higher credit amount on the credit cards.
They contacted me & informed me that they were cutting back my credit amount on my cards. I always paid every month & I paid more than the amount they wanted. Bank of America has too high of an interest rate on their credit cards for one thing & they just want to charge any amount they can from their customers. Sorry but they dont care about their customers, they only care about how much money they can get from you in interest on cards & fees charged on your bank account.
Since cutting back the credit limit on my cards, they now charged me $12 for my checking account. I still have direct deposit and have some of my paycheck deposited in the bank but its not enough now not to get a charge. The Bank Of America closed in my area during the Covid scare. We only have an ATM now, an ATM that does not work properly most times & frequently shuts down. I deposited all the money I had on me to pay bills, the ATM shut down during the transaction & the money was not deposited to my bank account. I had to contact the bank about it & it took over 2 weeks for the bank to deposit the money to my bank account. So, I am closing my bank account, and I am closing my 2 credit cards with them. I am so fed up with them, how I have been treated. So screw Bank Of America.
If I could give no stars I would. This has been the worst banking experience of my entire life. I will never bank with Bank of America again, it is more like Bank of hate Americans. They have fees upon fees upon fees. I have never seen so many ridiculous and uncalled for fees at any bank before. I went to multiple sites and was treated rudely and usually sent away to call a number to assist me to then be transferred and transferred in circles. Then I was the victim of fraud and I reported it just to have them close my account without any notice which left me scrambling to try and figure out how to get my direct deposit handled amd pay my rent which wont be paid on time because the check will now be bounced back and then deposited to the now new account with a different bank I had to frantically open. DO NOT I REPEAT DO NOT BANK WITH BANK OF AMERICA. Worst bank, worst customer service, worst fees, worst overall service/everything. Thank you Bank of America for making my life even harder.
The mobile app and online banking are genuinely impressive and I rarely have any issues managing my accounts digitally. Step inside an actual branch though and it's a completely different story, long waits, limited staff, and I once sat with a banker for 40 minutes to open a simple savings account. They clearly invest more in the tech side than the people side and it shows.
I applied for the Atmos Rewards card when I flew with Alaska Airlines. I didn't know Atmos was tied to Bank of America. BofA has terrible customer service. It's the reason I don't bank with them. I wish I had known before signing up for Atmos Rewards.
I am a platinum preferred customer for 3 decades. My husband wired me a couple thousand dollars today. That money has been held up in "compliance" for hours. When we called they asked what the money was for. I am done
Absolutely the worst bank I have ever dealt with their making millions and can't replace a ATM that's been a headache for 16 years always broken hwy 29 Anderson SC I am going to start taking photos of the technicians every time their fixing it and start getting signatures for a class action suit against the bank years of time and aggravation!!!!!
On Tuesday, 03-Feb-2026, I contacted BofA helpline. At that time, my total credit balance was $405.54, and the agent advised me to pay $94.56 so that the total credit would become $500, after which my credit card account could be closed.
The following day, I paid the requested $94.56 and called the helpline again to close my credit card account. However, I was informed that the payment was still processing and that the account could not be closed at that time. I was advised to call back the next day.
When I checked my credit card balance today, I noticed that my total credit had dropped to $310. I contacted the helpline to inquire about this discrepancy, but the representative was unable to explain what had happened. I was then told that while the credit card account could be closed, the remaining balance would not be transferred to my bank account.
This experience has been extremely frustrating due to inconsistent information and the lack of clarity regarding my account balance.
I would give zero stars if I could. Bank of America has proven they have no interest in maintaining relationships with loyal customers. After 15+ years of perfect, on-time payment history, I missed a single payment due to the logistical hurdles of switching banks.
The moment the mistake was realized, the balance was paid in full. Despite this, Bank of America flatly refused to remove the late payment record or show even a shred of "goodwill" for a long-term client.
This rigid, "corporate machine" mentality is exactly why people are leaving big banks in droves. Because of their refusal to work with a dedicated customer on a one-time oversight, they didn't just lose an account holder--they lost me as a high-value client who was prepared to open a Merrill Lynch investment account.
If you value a bank that treats you like a human being rather than a number on a spreadsheet, go elsewhere. Bank of America will happily tank your credit score over a minor hiccup rather than reward years of reliability. They have lost our business forever, and I will be making sure everyone I know hears this story. Take your money to a credit union or a bank that actually values its clients.
True fact : I made a mistake and missed a credit card payment. I acknowledge this 100%. It was a chaotic month and I simply lost track - I thought I had auto pay set up, but apparently didn't.
Having said that:
I've been a customer for over 30 years. Had mortgages and multiple credit cards with BoA, with both my business and personal accounts. In the early aughts I had some financial difficulty, and had late payments on my record for 7 years. I worked hard to rebuild my credit, as it means a lot to me.
The fact that BoA took ZERO measures to check in... is heartbreaking. I had the money. I would apologized and paid over the phone had anyone bothered to ask. But, NOPE. Wait until I screwed up, and then reported a late payment which I will now carry for 7 more years.
I spent 2 days trying to get hold of an actual human to talk to, and was told that they were sorry - they'd wave the $38 late payment fee for the inconvenience. This means little to me. I would have paid $300 late fee if it meant keeping my credit intact.
This is a HUGE source of anxiety. I'm so frustrated. I will be paying off everything I have with BoA and taking my business elsewhere - which is actually a shame, because it's a very competitive interest rate. I just can't work with a company that would offer zero support like that.
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