Complaints

This profile includes complaints for Bank of America's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Bank of America

  100 N Tryon St STE 220 Charlotte, NC 28202-4031

  
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  Bank of America

  29405 Greenfield Rd Southfield, MI 48076-2226

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  Bank of America

  4975 Bay Rd Saginaw, MI 48604-2523

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  Bank of America

  2103 NE 129th St Ste 201 Vancouver, WA 98686-3271

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  Bank of America

  328 NE 4th Ave Camas, WA 98607

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bank of America credit card charged off 1/24/24 $4816.83 Account ending in: ****** $******* july1st 7/1/24 received pop payment for charged off account which already reported to credit bureaus. Explained by escalations manager ***** ******** Off set fail to make payment and monies is taken from any account to recover funds. Charge off after all efforts of collection have been exhausted, meanings calls, letters, not including emails., the account is reported to the credit bureau that the money is not collectible from the customer. ***** is acknowledged as receipt of charge off, however was told that it could take 10 years to get from Bank of America, if one is effectively requested. I am disputing these statements as misleading. I requested a receipt for my payment of ******* and was placed on hold 6/3/25 to hear that there was no readily available receipt to provide me, the consumers for my payment. Then also I am being reported to consumer bureau agencies that I owe $4800 in unrecoverable assets, however *** effectively received $******* confirmed in July. However they are still reporting for the last 11 months that I effectively still owe $4816.83. This is a violation for negligence to report accurately to a consumer reporting agency. I am prepared to move forward with an attorney for liquid damages and remedy.

  Business Response

  Date: 06/25/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.
  
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.
  
  ***** ** ******

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting a formal complaint against BANK OF AMERICA regarding an unauthorized account listed on my credit report, detailed as follows:Account Name: ********************** Account Number: XXXX Date Opened: 09/20/2011 This account was never opened or authorized by me and is negatively affecting my credit report and financial reputation. The presence of this account is a direct result of the ************ Breach of 2005, which compromised my personal information.Despite filing multiple complaints with BANK OF AMERICA and the credit reporting agencies, no corrective action has been taken, and this fraudulent account continues to appear on my credit report. Furthermore, BANK OF AMERICA has sent verification letters that I categorically deny.I demand immediate investigation and the permanent removal of this fraudulent account from all credit reporting agencies. Failure to resolve this matter promptly will compel me to escalate the issue through legal channels and regulatory bodies.I trust the BBB will assist in enforcing the urgent removal of this unauthorized negative from my credit report.

  Business Response

  Date: 07/03/2025

  We researched and resolved this complaint.
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.

  ********* Quintana 

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 06/25/2025

  We researched and resolved this complaint.
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.
  
  ***** A ******

• Initial Complaint

  Date:06/03/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I first reached out to the bank to add my husband as a joint owner for my Merrill Lynch account back in February 2025 but as of today (June 2025) my husband is still not added. A few reasons causing the delay:1. Online submission malfunctioning: Merrill's online submission was not working, and I had to submit the application in-person. 2. Bank manager negligence: During my first in-person submission, the manager (Peirui ***) did not have a clear idea of all the materials needed, which necessitated my going through a second submission and required me to miss work for a second day. After my second submission, she scanned the document incorrectly (by overlooking the back-side of each page-- a careless mistake that could have been caught with a 30 second check). This error delayed the process by almost 2 months during which nobody followed-up with me or even alerted me of the manager's error. The branch was the ****************************************************************************************************************. 3. ******************** between the ******************** I had to receive all application updates from the backoffice, which does not seem to be in touch with the bank manager. This introduced additional processing time and inefficency. After repeated follow-up, the local bank manager informed me that she re-scanned and re-submitted the document. However, I have not received any updates since then and my husband is still not on the account. I reached out to the bank manager to solicit an update on May 8th (almost 1 month ago), and have received no response at all. When I got married, I added my husband to all of my other financial accounts with no issues [including my Bank of America (non-Merrill Lynch) checking account]. This is such a straightforward request, and I'm not sure why it's proving so difficult for Merrill Lynch (it really doesn't instill confidence in me as the customer!). I need this to be rectified ASAP by a competent contact at the company. Sincerily, Mandy ********* ***

  Business Response

  Date: 07/02/2025

  Our response is attached.

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute the information listed on my credit report concerning a BANK OF AMERICA account allegedly opened on March 20, 2006. I am a victim of identity theft and did not authorize or open this account.I have never applied for or maintained any account with **********************. I have not received any documentation or correspondence related to this account. Its presence on my credit report is erroneous and unauthorized.I have submitted a formal identity theft complaint through ***************** and have enclosed a copy of that report along with my identification and a portion of my credit report highlighting the disputed entry.I respectfully request that this fraudulent account be investigated and permanently removed from my credit history.

  Business Response

  Date: 07/03/2025

  We received and are researching the above referenced client concerns. I will work this matter and respond to the customer directly.
  
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customers inquiry
  
  **** ****

  
  

• Initial Complaint

  Date:06/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a EDD account with ********************** unfortunately I had identity theft and my account was hacked for over $30,000 which almost 20 of it was paid back but there's a remaining ****** Plus Bank of America is refusing to look in this for investigation and they keep denying me I really don't think they're investigating at all as they see the account has been denied multiple times and I think they're just saying denied denied because I see this from other investigators I'm guessing.

  Business Response

  Date: 06/24/2025

  We are in receipt of the complaint for the above referenced customer. As a Resolution Specialist in Regulatory Complaints, I welcome the opportunity to respond to the customer's inquiry. As you requested, we addressed this matter directly on June 24, 2025,by letter to the customer. However, in the interest of protecting our customer's confidentiality, we are unable to provide you with the details. For further details, please contact the customer directly. Please let us know if we can assist further regarding this matter. I thank you for taking the time and effort to bring this issue to our attention.
  **** *******

• Initial Complaint

  Date:06/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a formal complaint against Bank of America regarding their unauthorized and detrimental restrictions on my business checking account and associated debit ******* business account has been severely impacted by Bank of America's actions. Despite my diligent efforts to maintain low credit utilization and responsible financial practices, Bank of America has repeatedly and without prior notice decreased my credit limit on my business account. This has significantly hindered my ability to conduct essential business operations.Furthermore, and most critically, Bank of America has inexplicably prevented me from using my business debit card. This arbitrary restriction has made it nearly impossible to access my own funds and manage daily business expenses, causing substantial disruption and financial hardship to my business.I have not received any clear or satisfactory explanation for these actions from Bank of America, despite attempts to resolve the issue directly with them. Their actions are not only damaging to my business but also demonstrate a lack of transparency and fairness in their banking practices.I request that the BBB investigate Bank of America's practices concerning my account, including:- The repeated, unnotified decreases in my business account's credit limit.- The complete and unexplained restriction on the use of my business debit card.- The lack of clear communication and justification for these actions.I urge the BBB to take appropriate action to ensure Bank of America rectifies these issues and adheres to fair banking practices. I am available to provide any further documentation or information required for your investigation.Thank you for your time and attention to this critical matter.

  Business Response

  Date: 06/24/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.
  
  ***** Begnoche 

• Initial Complaint

  Date:06/02/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 19th stop by BOA on ****** **.. bank senior *** help me to order Pesos for Trip on Wed $300 in Pesos was order and $20 extra dollars to have it overnight. the money was taking from my account. I was working in downtown on Tuesday and had schedule to pick up Peso's from *** on ********************) first problem Pesos did not arrive in 24 hrs but 48 hrs. (I already had left for trip).... so when I returned call BOA no answered or called back.... so I schedule appt for 05/29/25 at 1:00 @800 Market...bank *** name ******* called me and text me to see what I need for appt I informed that did not pick up Pesos and would like funds place back in my account... he informed me that I did not need to come in for that and funds would be in my account by end of business day...June 2 and funds still not in my account called and text ******* back several times with no response ************* *********#)... just left *** on ****** they basically said they can do anything....thought they would make a phone call to try resolved but...no... lack of customer service they did nothing... none of location answer phone or return calls so looking for assistance to get my $320 back in my account

  Business Response

  Date: 06/11/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.
  
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.
  
  ******* *********

• Initial Complaint

  Date:06/02/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive been calling Bank of America to try and get ahold of them about identity theft. Ive never done business with bank of america but according to my credit history they did a hard pull in my credit on 02/05/2024. Its been impossible to get through the long hold times and i keep getting brushed off or transferred.

  Business Response

  Date: 07/02/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.

  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.

  Darresha *****

  Customer Answer

  Date: 07/02/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me, but not complete. I would like to ask that Bank of America have a formal point of contact for those affected by identity theft. Its appalling how inefficient their phone system is for how large of a business they are.
  
  Thank you. 
  

• Initial Complaint

  Date:06/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I discovered one month ago that a check that was written out to me was stolen and cashed by Bank of America. I contacted their ********* ****** but they wouldn't help me. Law enforcement is trying to get them to provide a copy of the check but it's been a month and no one is responding. There are no phone numbers available for me to contact someone at the corporate office.I can't afford to lose that kind of money. Can you please help me?The check was cashed by them on Dec. 19, 2022.Thank you very much.******* *********

  Business Response

  Date: 06/27/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. To protect our customer's confidentiality, we are unable to provide you with the details. For further information, please contact the customer directly.
  
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry. 

  Rojuline Dixon