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Business Profile

Bank

Bank of America
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BBB Accredited BusinessA Rated by BBB

Complaints

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

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    Customer Complaints Summary

    • 7,653 total complaints in the last 3 years.
    • 2,579 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/24/2025

      Type:Product Issues
      Status:
      Answered
      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.
      regarding the repeated mishandling, lack of transparency, and disrespect I have received from Bank of America and its **********************specifically in connection to claim #************ related to card ending in 6293.the bank continues to dismiss my valid concerns and ignore critical questions. The claim was denied under the justification that the card was mailed and activated at the address on file. However, I have made it clear repeatedly that I never received the card. In fact, the card was confirmed as stolen in three separate claims. How is it possible that I used a card I never received? I want to be absolutely clear: I never gave permission to anyone to use this card. I have stated this multiple times and yet, Bank of America continues to dismiss this fact without a valid investigation.Additionally, I would like an explanation as to why claim #************ was denied, while claim #************which also pertains to the same card ending in 6293was approved. Both claims were submitted on November 8, 2022, during the same phone call with the same representative. The only difference is that the representative mistakenly omitted three transactions from the original claim and created a second one. This error has now created a major issue, leaving claim #************ unresolved.What is most frustrating is the complete lack of accountability. Your representatives and so-called managers in the claims department offer no help other than filing complaints that lead nowhere. The ********************** refuses to accept supporting documentation, fails to address discrepancies in its reasoning, and continuously ignores the facts presented. Instead, I receive impersonal, AI-generated letters that do not address my questions or concerns.I have made every effort to work with your team in good faith, yet I am met with dismissiveness, evasion, and what seems like a strategy to wear down legitimate customers rather than protect them.

      Business Response

      Date: 07/28/2025

      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 July 28, 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.

      Customer Answer

      Date: 07/30/2025

       
      I am rejecting this response because:
      the company has not addressed my my questions 1 how can i be liable for a card i never received?

      ** ****** is a liar they arent handling this matter i  would like for this person to stop handling my case they dont send no information and they dont respond they send ai related material . 

      this bank continues to dismiss the evidence of fraud on my account they dismiss my supporting documents

    • Initial Complaint

      Date:07/22/2025

      Type:Billing Issues
      Status:
      Answered
      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 - 6/2025 I am requesting immediate investigation and permanent removal of all inaccurate, unverified, and noncompliant items from my credit report. These errors have had a direct negative impact on my ability to obtain credit and maintain financial stability.

      Business Response

      Date: 07/28/2025

      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:07/17/2025

      Type:Order Issues
      Status:
      Answered
      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 not accountable for the debt associated with **********. There is no contract between me and **********, and they have not provided the original agreement as requested.

      Business Response

      Date: 07/22/2025

       

      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 7.22.2025. 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.
      ******* J ***** III

    • Initial Complaint

      Date:07/16/2025

      Type:Billing Issues
      Status:
      Answered
      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 large deposit of $61,687.63 deposited on Monday by 9:30 AM. I was given a receipt reflecting that at least $6,000 would be available in my bank account on 7/16 at 5 PM with the rest held until 7/21 at 9 AM. It is now 7 PM on 7/16 and the money is nowhere to be seen. I called and spoke with a specialist who said there was nothing she could do and that the paper was just an estimate. If that was true, when I called on Monday and spoke with another specialist, he would not have confirmed it to be accurate. In the meantime, I have a whopping $0.25 in my bank account because I was expecting to have this money by now with potential legal consequences if I dont pay certain bills and debts by today. I shouldnt have to fight to get money I rightfully own.

      Business Response

      Date: 07/24/2025

      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:07/15/2025

      Type:Billing Issues
      Status:
      Answered
      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 filing a formal complaint against Bank of America regarding the reporting of a charge-off on my credit file.The account, ending in 2534, was opened in 2021 and had a balance of $147. As shown on my credit report, the last payment was made in November 2024, yet the account is still listed as charged-off and derogatory as of mid-2025 Additionally, the Date Last Active is reported inconsistently across credit bureaus, and the account status does not reflect the payment activity. I believe this reporting is inaccurate, misleading, and violates the Fair Credit Reporting Act (FCRA).I am requesting that Bank of America update or remove the derogatory charge-off status and ensure the account reflects accurate and up-to-date payment history.

      Business Response

      Date: 07/25/2025

      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:07/14/2025

      Type:Billing Issues
      Status:
      Answered
      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 Amount:$3,947Date:8/23/2018 Acct#**************** Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b(a): Permissible Purposes of Consumer Reports as well as Section 1681b(c): Transactions Not Initiated by Consumer. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate.

      Business Response

      Date: 07/25/2025

      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:07/14/2025

      Type:Billing Issues
      Status:
      Resolved
      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 account is with ********************** which is part of Bank of America. My Merrill Lynch account was hit with a $65.00 fee that I had no idea I was going to be charged. I respectfully request to be refunded for this fee as a one time good will. I had this account for many years as well as I have been a Bank of America customer for many, many years. I hope we can continue to do business, so I hope you will do this for a great loyal customer. Thank you in advance.

      Business Response

      Date: 07/17/2025

      Our response is attached.

      Customer Answer

      Date: 07/18/2025

       
      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.

      Thank you. 

    • Initial Complaint

      Date:07/11/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Checking Account Monthly Maintenance Fee.I was charged $150 in 2025 Checking Account Monthly Maintenance Fee.I am requesting a billing adjustment.I have been with *** for 37 years (included with those 37 years, is time when I was a member of the ************* that was bought by ***. I had a Legacy Checking Account where their was no monthly maintenance fee.Two years ago I visited the *********, Texas Banking Center. I was having a document ************* of the Banking Managers asked to Update my Checking Account and listed off all these great features. What she failed to inform me was that there was a $25.00 maintenance fee.Then all of sudden I am incurring all of the maintenance fees. So I complained to BOA. I was told if I met certain conditions there would be no maintenance fee.A year later (January 2025) I began being charged a monthly maintenance fee. I learned this in June of 2025. By that time I had incurred $150 in these charges. I called BOA (June 2025) and was told that I had a year grace ******** was never told any of this. I was told I would not have a monthly maintenance fee if a certain dollar amount was deposited in my account every ********* - they switched me to another type of checking account and was told that I would be charge around $12.00 monthly maintenance fee if I met certain conditions.Resolution: 1. $100 Billing Adjustment and Returned to my Account.2. Some one to explain to me what type of account I have and al of the rules, etc...

      Business Response

      Date: 07/29/2025

      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: 07/30/2025

       
      I am rejecting this response because:  their employee falsely and fraudulently misrepresented the information to misrepresent the changes that were made to my account

    • Initial Complaint

      Date:07/11/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Tried renting a car, from someone on FB, for a total of $230. *** is refusing to refund me & forcing the payment to go through, when I have PROOF that it was a scam & that services were NOT rendered. They told me to contact *****, who are also doing nothing. I want my $230 refunded back to my account immediately. I have screenshots, text ****************** Messenger conversations to prove my case! I'm livid here! I want my money back, then I will be closing the account & going with a different bank.

      Business Response

      Date: 07/24/2025

      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: 07/24/2025

       
      I am rejecting this response because:
      they have not given a response. They didnt reach out to me and if they did, they didnt leave a voicemail. Nothing was sent.  There is NO resolution!  This is how they operate. 

    • Initial Complaint

      Date:07/10/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 requested a balance transfer from Bank of America in the amount of $9575. The representative convinced me to open a **** card with better fee, higher credit limit. I was asked to agree to the automated system a second time, when I asked why, did it not go through the 1st time, the message was initiated - I believe he said he needed to (no clear recall now). Jan 06, the balance transfer posted (to Mastercard-old card). I was notified by *********** another $9575 posted on Jan. 21 (to ****-new card). The original transfer to ********** was in error. I was bounced back & forth between *************************************each saying the other needed to correct it, they couldnt. I asked Bank of America to waive the transfer ********** agreed when Cap One sent the money ************** is paid since it was their error-length of time didnt matter, they put it in the notes. I was to simply tell them when paying it off. At one point the account specialist informed me mistakes happen all the time. I tried to pay the account off with the Cap One credit balance; I was not allowed. Bank of America forced me to make monthly payments on their error until its corrected or they would charge late fees & impact my credit. I did so. It took me 7 months to get the money back from ***********. I paid the remainder of the balance to Bank of America & requested to waive the fee as instructed. They had to file a request. I received an email the request is declined & their decision is final. I would like help please in retrieving the $383 fee for a transfer I did not request that was their error. I complied with all of their requirements & paid the balance in full when *********** refunded the credit balance.

      Business Response

      Date: 07/25/2025

      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.

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

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