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

  
• 

  Bank of America

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

• 

  Bank of America

  1391 S Lapeer Rd Lake Orion, MI 48360-1436

• 

  Bank of America

  4975 Bay Rd Saginaw, MI 48604-2523

• 

  Bank of America

  17540 Grand River Ave Detroit, MI 48227-1402

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:06/06/2025

  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.

  My spouse and I opened a checking account with **********************. At the time of funding the account we asked if the funds will be available or will there be a hold on the account. After being made aware that a partial amount of the check would be available, we agreed to deposit the checked based on that statement. Later that day I was notified by *** that all funds will be held until June 13th and no funds will be made available. I immediately went back to the branch to speak with the manager ****** *******. ****** was very rude and condescending not only to myself but to here staff and other customers in line. I dont agree with this type of behavior. I am seeking remedy for the misinformation by having at least a portion of my deposit made available.

  Business Response

  Date: 06/16/2025

  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:06/06/2025

  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 have been of **** customer for many years. Withholding my money and not clearing my checks is hurting my family and causing harm.I deposited a check and there was an issue. I have received checks from this company before and had no issues. Sometimes the check holds were 6 days and sometimes the hold was only a few hours. I work extremely hard for my money. Why does it take a financial institution such as BOFA six days to verify funds? I count on the money and live paycheck to paycheck. I cannot wait 6 days for funds to clear. Its not right. All I want is to be able to deposit a check and you verify the funds in a timely fashion. I have graduation gifts and birthday gifts to buy and now I cannot. Please help.

  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. 

  ********* *******

• Initial Complaint

  Date:06/05/2025

  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 am writing to formally file a complaint against Bank of America regarding a car loan account that has negatively impacted my credit score due to circumstances beyond my control.I had an active auto loan with Bank of America when my vehicle was stolen. The loss was covered by my insurance company, and a payment was made directly to my loan account. However, there remained a balance to be covered by the ************* policy. While the ************* process was underwaya process that inherently takes timeBank of America proceeded to report a non-payment status on my ********** a result, my credit score suffered a significant decline. This derogatory **** caused severe financial repercussions, including my inability to secure a business loan critical to the growth of my company. I have made multiple attempts to contact the bank, including sending the attached letter on two separate occasions. Unfortunately, I have not received any response, acknowledgment, or resolution.Given that the payment delay was due to a standard ************* process, I believe the negative reporting to be unfair and unjust. I respectfully request that Bank of America review this matter and submit a correction to the credit bureaus, removing the non-payment notation from my record.Thank you for your attention to this matter.Sincerely,************************************ Phone: ************ Email: [your email address]Attachments: Previous Letter(s) to Bank of America

  Business Response

  Date: 07/03/2025

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

• Initial Complaint

  Date:06/05/2025

  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.

  In the last few months I have received several emails and a few phone calls from what appeared to be from scam emails and phone numbers fishing for information from so called Bank of America. The phone calls were non-professional and very fishy. What was a red flag was when they said they are calling about the letter we sent you in which I never received, ever. Periodically I would receive emails from what appeared to be scam emails from **** where there were links to click on that would lead to putting in account numbers, SS #s etc.During the last few months I also received emails from **** explaining how to look out for scam emails and phone calls etc. Because it was blatantly obvious that these were scam calls and emails in regards to my account I disregarded them. Just in case though I made sure to update any information in the *********** app and online banking secure sites and app as the calls seemed to be saying I needed to update my account ID info. This past week all of a sudden my Business checking account and business CC account were locked and appeared to be closed. I could not access my business checking funds to pay bills or anything. Shockingly to me it seems these calls/emails were legit. So I called BofA.I spent hours on the phone on Monday. Initially, when I called the # they asked to call, it asked me to first share my SS & account #. Had I not known this was a real BofA # now it would have made me hang up immediately. Long story short, they unlocked my business checking however they declined to reopen or unlock my business CC account due to the "late response" by me and what they called "AML"I've been with BofA for over 20 ********** business accounts since 2017. Over these years I have had more aggressively negative experiences with them than appreciation as a long time customer. The way this was handled and not resolved is a disgrace and there needs to be a better resolve to the situation as a loyal customer.

  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 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 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.
  Joe
  Varone

• Initial Complaint

  Date:06/05/2025

  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.

  Bank of America failed to protect me against fraudulent activity on my credit card and violated the Fair Billing Credit Act by allowing an entity to make four fraudulent charges with my stolen credit card information using IP addresses in different states. All four transactions were made with different IP addresses in four different states which were outside of my location in *******. The charges were made with ***********, a company that lacks any capacity to fight fraud and wrongfully claimed that the deliveries were sent to my house.

  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 and/or letter. Accordingly, see the uploaded resolution response dated June 9, 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.
  
  ******* ********
  

• Initial Complaint

  Date:06/05/2025

  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.

  My father passed away in February. He banked with Bank of America. We have been through court with the will and have submitted all requested paperwork to Bank of America for his funds to be released to the beneficiaries and Bank of America refuses to honor the court paperwork (Letter of Testamentary) and disperse the funds to the beneficiaries. We have been dealing with them since 2/11/25 and have at every step been misguided as to what is required. We have ultimately submitted everything they have requested, sometimes more than once (including notarized documents) because every person we speak with has a different story as to what is required. At a time like this to be given the run around at every turn is unprofessional, unfair, and at this point illegal as they refuse to comply with court documentation.

  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.
  
  Gregory Schroeder

• Initial Complaint

  Date:06/05/2025

  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 wanted to change banks because I had been having issues with my current bankI saw that *** was doing a promo of $300 when you open an account with them and deposit $2,000 in 90 days.. I was almost finish setting it up online when it said I had to go into a branch to show two forms or ids..Which I did..I had had to reenroll three to fours time and change my id..Only for me to call today and find out that they are closing my accounts and they will mail me the reason why. I honestly think its because they do not want to pay the $300. I have already set up direct deposit. So now I have to wait for my pay check.

  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: 07/01/2025

   
  I am rejecting this response because:
  It was a generated letter basically telling me to go through the whole process again for applying for an account..And the representative denounced anything I said by saying discuss with BBB..Because of their ill professionalism..My paycheck that I had was sent to the wrong address causing me to have to wait two to three weeks..I longer have NO Interest in banking with them. I do still expect them to honor the $300 dollars as this whole experience caused me hardship..My bills were paid late.

  Business Response

  Date: 07/08/2025

  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:06/05/2025

  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.

  Bank of America scams people out of money. They cashed my business check and never deposited the money into my account. They are now telling me that the money won't be available for 12 days. They are utilizing my money in the meantime and this should be against the law. They don't answer emails and could care less about customers.

  Business Response

  Date: 06/17/2025

  We researched and resolved this complaint.
  
  As you requested, we addressed this matter directly with the customer and responded by way of telephone 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: 06/17/2025

   
  I am rejecting this response because they utilized my money for 10 days since they cashed the check and did not deposit it into my account.

  ********************** is a scam bank they are closing banks since customers no longer want to put up with their scams.  They do not care about customers.

  I've banked where over 40 years when they were even LaSalle Bank.  They are disgusting that they manipulate to make money.  I want interest paid on the money they would not allow me access too.

  
  

• Initial Complaint

  Date:06/04/2025

  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.

  Merrill locked my 401k account. **************** are bots.

  Business Response

  Date: 07/01/2025

  Our response is attached.

• Initial Complaint

  Date:06/04/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name:BK OF AMER Account #:**************Balance:$0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  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.
  
  Rojuline Dixon