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

  55 W 12 Mile Rd Madison Heights, MI 48071-2401

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  Bank of America

  940 E Long Lake Rd Troy, MI 48085-4876

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  Bank of America

  134 W Michigan Ave Jackson, MI 49201-1321

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  Bank of America

  1391 S Lapeer Rd Lake Orion, MI 48360-1436

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:05/31/2025

  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.

  To Whom It May Concern:I'm writing regarding a dispute of a negative credit report from Bank of America unfairly impacting my credit. This stems from a late payment reported around September last year for an auto-payment that didn't process. Crucially, I had sufficient funds.I contacted Bank of America. A representative corrected the issue and promised the late payment would be removed from my credit report. When I received a letter stating the information was "correct," a subsequent agent admitted the prior promise was invalid. A manager then apologized and assured me the late fee would be refunded and the late payment removed.While I received the late fee credit, the late payment remains on my credit report. It's been months, and despite multiple direct disputes with Bank of America and attempts with credit bureaus, this incorrect **** persists, causing significant duress.I demand Bank of America immediately remove this inaccurate late payment and notify all credit bureaus of the correction. If this isn't promptly corrected, I will pursue all available legal actions.Thank you for your urgent attention to this matter.

  Business Response

  Date: 06/30/2025

  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.
  
  ***** ******

  Customer Answer

  Date: 06/30/2025

   
  I am rejecting this response because:  my continued dissatisfaction with Bank of Americas response to my complaint, particularly after I have been attempting to resolve this matter since September of last year. The recent response from Bank of America, claiming that the issue was addressed via telephone or letter, is not only misleading but also fails to resolve the core problem: the inaccurate late payment still being reported on my credit history. While I received a refund for the associated late fee, the derogatory credit **** remains, despite multiple assurances from Bank of America representatives including a manager that it would be removed. These promises were made clearly and repeatedly, yet they have not been honored. The prolonged delay and failure to resolve this issue after months of effort is in direct violation of my rights under the Fair Credit Reporting Act (FCRA), which mandates that credit reporting disputes be investigated promptly and corrected within 30 days. It is also a clear violation of **** regulations, which require that financial institutions like Bank of America conduct reasonable investigations and correct inaccurate information. Despite my best efforts, including multiple communications and a formal dispute, Bank of America has failed to follow through on their promises, misled me, and left this issue unresolved. I have already filed a complaint with the ***** outlining these issues. Despite my continued efforts to resolve this matter directly with Bank of America, the negative **** remains, causing harm to my credit and ongoing distress. I request that this case remain open until Bank of America provides written confirmation that the late payment has been removed from my credit report and an explanation for the failure to honor previous assurances. If this matter is not resolved promptly, I will continue pursuing all legal remedies available, including further escalation with the **** and California state authorities.

  
  

• Initial Complaint

  Date:05/31/2025

  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.

  Good day I am rather disappointed about a purchase that I made and returned to **** back in January. I have attemped to resolve this with **** and never heard back, I also approached my bank BOA and they have failed to provide assistance. You are my banking institution.. you hold all the proof needed to resolve this. I need my funds returned since the store has failed to do the right and honest thing.

  Business Response

  Date: 07/01/2025

  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:05/30/2025

  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 was charged interest on my credit card even though I zeroed out the account balance prior to the statement due date. I called a representative on 5/30 to ask that they refund the interest and was told they were unable to do so. I was then transferred at my request to a manager who stated he would not reverse the charge.. I then immediately canceled the card, and paid my balance due via their app.. IN ADDITION to what I belive is fraudulent interest. The banks rules state that if the statement balance is paid in full, interest is not charged. I believe this bank violated its own terms and I am owed a refund. I paid the interest to avoid any additional charges

  Business Response

  Date: 06/09/2025

  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:05/30/2025

  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.

  On February **************************************************************************************************** america mastercard that I noticed were accruing interest. I was told that a zero interest balance transfer offer expired the day prior. So the regular interest rate was applied to these transfers. I advised the representative that neither the expiration of the zero balance transfer nor the actual rate applied was disclosed to me at any time during my online request for a transfer or in any subsequent followup emails. The claim was elevated to a manager, JA. I asked him to produce written confirmation that the regular rate was disclosed to me and would be applied to these transfers, that I acknowledged that and agreed to it. Further, I explained it didn't make sense that I would pay transaction fees and transfer balances to a card whose interest rate was higher than the cards the balances came from. I informed him that I assumed as it has always been with the numerous balance transfers I had already done with bank of America that the interest rate would be zero. I explained the process I use with this and all balance transfers online. I suggested there has to be a way for *** to check the online portal and the process I described to confirm my allegations. There should also be some digital documents or footprint confirming that the rate was disclosed, that I agreed to it and proceeded with the balance transfer. He was dismissive. I last left a voicemail for ** in mid March reiterating my request and **** obligation to provide me with the information and documentation I requested. To date I have not received a response.

  Business Response

  Date: 06/26/2025

  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 customers inquiry.
  As you requested, we addressed this matter directly by way of telephone or letter. If a letter has been sent, it should be received within the next five business days. However, in the interest of protecting our customers 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.
  ****** *****
  

  Customer Answer

  Date: 06/26/2025

   
  I am rejecting this response because:
  The response from Bank of America is simply a summary of my billing statements, but it does not supply written proof that at the time of the balance transfers in dispute, that I was informed that the normal rate would apply and that I agreed to those terms. Simply stating that the ate disclosure was made is not the same as providing proof, i.e., a document signed by me. Therefore, it is unacceptable. This written response is no different from the response I received from the customer service personnel and supervisor prior to filing this complaint and continues to be somewhat dismissive. I thought by elevating this complaint and given the severity of my allegations, that someone at Bank of America would be interested in going to the website, log in as a USER, see what the user sees (and I saw) and go through the steps I went through to process the balance transfer to prove or disprove my allegations. The written response does not describe any such investigation. With respect to my request for compensation, I asked for a refund of the transaction fees and interest because had the rates been disclosed, I would have rejected the balance transfer. I have no choice but to reject the response from Bank of America.

  Business Response

  Date: 07/17/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone and/or letter. Accordingly, see the uploaded resolution response dated July 17, 2025. Please let us know if we can assist further regarding this matter.
  
  As a Resolution Specialist in Regulatory Complaints, I want to thank you for the opportunity to respond to the customer's inquiry.

   ****** ******

  Customer Answer

  Date: 07/18/2025

   
  I am rejecting this response because:
  

  I acknowledge and understand that the July 17, 2025 response is the final response to this BBB complaint. Equally, this is my final response here. While i appreciate the interest refund, there remains two larger more disturbing issues that are unresolved. An investigation of the website transaction and precisely where during that transaction the rate was disclosed has not been addressed. Neither has Bank of America provided a copy of the balance transfer agreement executed by me in support of its allegation that the disclosures were made. I strongly believe these may be a violation of the Truth in Lending Act. Therefore, I will be pursuing this further with the Consumer Financial Protection Bureau.

• Initial Complaint

  Date:05/30/2025

  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 am writing to formally address an issue regarding my prepaid account, which was recently closed due to suspected fraudulent activity that I had no involvement in. As a result of the closure, I was unable to access my funds for an extended period.This unexpected disruption caused significant inconvenience and hardship, as I rely on timely access to these funds for essential expenses. I fully understand the importance of fraud prevention; however, I believe I have been unfairly impacted by a situation beyond my control.Given the circumstances, I am requesting direct compensation for the time I was without access to my money. I feel this would be a fair and appropriate gesture to help offset the financial and emotional strain caused by this incident.Please let me know what information or documentation you may need from me to review this matter further. I appreciate your time and attention to this issue and hope for a prompt and fair resolution.

  Business Response

  Date: 06/26/2025

  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 26, 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:05/30/2025

  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.

  On May 27, 2025 I was giving 2 checks, which was drawn on Bank of America Bank I went to cash them and they charged me $8.00 per check I ask them to show me where it states that I have to pay you $8.00 to cash this check that your customer whom has a checking account and have the funds in her account gave to me that I have to pay you $8.00 per check, I do not believe this is legal it is wrong that this Bank taken my money when their client gave to me to cash, I did try to dispute what they were doing to me, I would Like a refund, this has hurt me in many was I am 69 years old disabled with cancer, and extremely poor ***** ***** ************ ********************,com

  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:05/30/2025

  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.

  Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  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.
  
  ***** ******
  

• Initial Complaint

  Date:05/30/2025

  Type:Product 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.

  I bought some items from a merchant on May 23rd. The items were dishonestly canceled from the merchant right after I cancel the membership. The merchant told me as the money was just a hold it will fall off as soon as my bank processes it. This was $95.40. Bank of America has been processing this money for the last week! And it's about to be OVER A WEEK!!! Not only did I NOT get the product but I can't even file a dispute because Bank of America refuses to process the payment! I have spent a freaking WEEKS OF MY TIME WHILE ALSO DEALING WITH TWO NEW ILLNESSES trying to get $95.40 back from two MULTIBILLION DOLLAR COMPANIES!!!! GIVE ME MY MONEY BACK!!!!!

  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.
  ****** ****

  Customer Answer

  Date: 06/24/2025

   
  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.
  

  The money has been returned to my account.

  Thank you. 

  
  

• Initial Complaint

  Date:05/30/2025

  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.

  On April 15th 2025 I filed a dispute involving a predatory loan and also paid to have this company blocked to prevent any further charges. I didn't have an option at that time to upload documents to prove my case. Bank of America credited two of the charges to my account while they did the investigation (it was a total of 8). I still was not giving the option to upload documents. On May 15th 2025, I received a letter telling me they resolved my claim, not in my favor and they will withdrawal the two credits on May 21st 2025. On May 20th I called costumer service and asked him how can a case be resolved if I was never asked to provide my documents showing my proof of the investigation. I tried the message center to email my documents. I could only receive messages I could not send messages. I was able to before this claim was filed. He said he escalated my claim to extend the days to prevent the reversal of the credit on the 21st. After about a week and no word, I checked the status of my claim. It said they credited my account for the two of the transactions. I called Bank of America again. I asked where the credit was that the document stated it had made. She proceeded to tell me that they credited eight charges when I filed the claim reversed them and after I submitted my documents they credited two of the eight. The document I submitted showed my loan was paid off in February 2025 after three payments. No one can tell me where the other four payments is. Four payments of ****** times four is a lot of money to shrug it off. I feel robbed by my own bank. Their excuses were invalid and made no solid reason for their mistakes.

  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.
  
  ***** *******

• Initial Complaint

  Date:05/30/2025

  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.

  Hello,Last Friday my debit-card was cancelled due to fraud charge. This is the same card I use for all recurring bills as it is linking to the checking account I were my pay is deposited. I was told I would receive my replacement card immediately. I did not even receive and email that it was being sent until the following week, and that it was being shipped via regular mail, rather than direct (i.e. if I was receiving it immediately it would be coming direct). I contacted the Bank of America about this, telling them it was essential that I have access to my account (have the debit card) by Thursday evening, as all the physical banks in my area no longer have personnel, just ATMs where digital phone card don't work (same with most businesses). This has led to missed charges, hardships, and having to put payments on a credit card I was trying not to use (affecting my credit). I am seeking $1000.00 in damages, and immediate access to my physical debit card. I have been with Bank of America since I was a kid, and this is not how you treat loyal customers. If I do not receive the payment and card, I will escalate this to a law suit.Thank you

  Business Response

  Date: 06/26/2025

  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 ******* 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.
  
  ******* ******
  

  Customer Answer

  Date: 06/27/2025

   
  I am rejecting this response because:
  

  They have sent me a false and misleading message. I was fully aware that my card was cancelled, as I was the one to cancel it when I was notified of the charge. However, their automated system is not well designed, and there was no one to call at the time (tried, no one answered). As for the banking locations, these locations were not staffed for at least 72 hours during the time of the incident, and are rarely staffed. Further, my issue was that when my card was cancelled, I should have received it via direct mail ASAP (~3 days) not well over a week later, and the digital card did not work at many locations via my phone. All of this led to financial hardship, as well as social embarrassment when my payments via your digital card failed to work or were denied as I waited for a card that did not come on time. It even arrived late by your own delayed shipping that led to this initial complaint. This is not how a loyal customer should be treated, and I demand compensation for the hardships your unprofessional business practices caused.