BANK OF AMERICA, NATIONAL ASSOCIATION


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"Products" offered by BANK OF AMERICA, NATIONAL ASSOCIATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Debt or credit management - Student loan debt relief
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Pawn loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 8363863

Date Received: 2024-02-17

Issue: Other features, terms, or problems

Subissue: Problem with customer service

Consumer Complaint: On XX/XX/2023 I accidentally made a payment of {$350.00} to my Bank of America credit card account. I did not have a balance due on the card. I have been trying to get the {$350.00} back ever since. I have called customer service multiple times. They claim they will fix the problem. They say it takes 10 days to rectify. The problem has never been solved. I wait 10 business days and call customer service.they tell my they will take care of the problem. The take my account number and tell me the money will be transferred with in 10 days. It is now XX/XX/XXXX. The problem is not solved and I cant understand why they cant just transfer the money back to the account it came out of

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 320XX

Submitted Via: Web

Date Sent: 2024-02-17

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8363700

Date Received: 2024-02-17

Issue: Problem getting a card or closing an account

Subissue: Trouble getting a working replacement card

Consumer Complaint: During the COVID-19 pandemic, I applied for Unemployed Insurance Benefits. My claim dates are from XX/XX/XXXX thru XX/XX/XXXX. Approximately {$25000.00} was approved and paid my XXXX to my prepaid debit card issued by Bank of America. I did not receive a card in the mail so I contacted Bank of America to request a replacement card. My request was denied due to my account being locked. I was referred to XXXX to resolve this issue. I attempted to contacted XXXX regarding this however, for several months I was not able to get in contact with anyone. I submitted requests thru " Ask XXXX '' with unclear and delayed responses. After weeks of no resolution, I would contact Bank of America again and would get referred back to XXXX. This continued for almost 1 year when FINALLY, I spoke to a representative at XXXX in XX/XX/XXXX who instructed me to login to my XXXX Online account and follow the prompts to verify my identity. Upon doing so, my claim would reopen and any available benefits that were previously suspended would be paid via check and sent to my address on file. On XX/XX/XXXX my documents were uploaded to the XXXX website and on XX/XX/XXXX and checks were issued on XX/XX/XXXX. In addition to this, XXXX stated they would contact Bank of America thru the proper division that is capable of making the request to unlock my prepaid card since I had a balance of {$25000.00} still remaining on my prepaid debit card. The process would take approximately 3 weeks to complete. I waited the 3 weeks before contacting Bank of America again. Once I did call for an update, Bank of America again referred me back to XXXX to get my card unlocked. It has now been several weeks with no resolution. On XX/XX/XXXX, I contacted XXXX and spoke with a Tier II representative and requested that they remain on the call with me while I contacted Bank of America on a 3-way conference call in efforts to resolve this matter. The representative agreed. Upon reaching Bank of Anerica I was transferred to the fraud department where I was asked to verify identity. The agent wanted to send a code to my mobile phone. I agreed however, was told that she was unable to complete the verification to that mobile number amd she requested another mobile phone to send another code. I gave her another number yet again, she was unable to complete the request. This happened with a email address I provided her as well. The representative then refused to speak with me. The XXXX representative informed her of his position and ID number from the XXXX. He informed her my card should be unlocked as my identity had been verified and several requests have been sent and ignored. Bank of America refused to unlock my card and then terminated the call

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 93306

Submitted Via: Web

Date Sent: 2024-02-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362863

Date Received: 2024-02-16

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: A person called repeatedly supposedly from Bank of America ( had an XXXX accent ) from the number XXXX saying that they got a fraud alert from someone in Alabama trying to open a credit card in my name and they had my address in PA. They needed to verify my social security number which i wouldn't give them because i knew this was a scam. i asked for their supervisor and someone else came on ( also with an XXXX accent ) and said that the person tried to open it in XXXX, TX. I told them he's a liar because the person before them told them said that it was alabama. They then said yes it was two applications. I told them they are liars and scam artists and that i was reporting them and hung up. Tried the number again and it was out of service.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362602

Date Received: 2024-02-16

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I have 4 inquiries on my report that I did not authorize and I have called but could not get any help

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92879

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362489

Date Received: 2024-02-16

Issue: Problem with a lender or other company charging your account

Subissue: Can't stop withdrawals from your account

Consumer Complaint: My previous complaint was closed and without resolution..and today, the same issue occurred. I played phone tag for days with a BofA rep who shared that a letter would be sent, which I never received. Today, the same thing happened, they withdrew money from my account bringing my account to {$100.00}. vs. setting up a payment plan that would not cause this to happen. Don't they pride themselves on customer service? Perhaps they need a lesson in what service looks like. They continue to be fraudulent and predatory in their business dealings and consumers continue to be taken advantage of by these banks without available recourse. It's unacceptable and the CFPB needs to PROTECT consumers vs. letting the banks " consumer complaints '' department give us a bunch of XXXX and then continue to do what they did that caused the complaint in the first place.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92108

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362398

Date Received: 2024-02-16

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: On XX/XX/23 I opened a checking account with Bank of America. I signed up with a {$100.00} promotion that required me to receive {$1000.00} in direct deposits into my account within 90 days. On XX/XX/23 I brought my account to {$1800.00}. I waited 60 days after meeting these requirements and still have not received the bonus. When I contacted BoA they said no bonus offer was attached to my account opening and they would not honor the bonus. I believe this to be in error. Below are the bonus requirements 1 ) Enroll in this offer online by using the Open account link on the offer page or by entering the offer code at the time of account opening. 2 ) Set up and receive Qualifying Direct Deposits of {$1000.00} or more to your new personal checking account within ninety ( 90 ) days of account opening. Offer is available online only and is limited to new personal checking customers only ; you are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve ( 12 ) months. A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. If you meet all of the requirements, Bank of America will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 ( or other appropriate form ) to you that reflects the value of such bonus.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MA

Zip: 010XX

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8362007

Date Received: 2024-02-16

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: On XX/XX/year> I noticed that the money deposited in the bank to cover Bank Fees while I await requested legal documentation from the Bank has been strangely debited to XXXX - '' XXXX ''. My account has been drained to zero with no legal explanation, documentation, written or electronic communication sent by Bank of America which is a violation of FDIC guidelines. The bank has stated they have taken this action based on a Legal Order I have never seen - Legal Order, XXXX XXXX. Bank of America has refused to provide any evidence of the supposed legal order they used to zero out my accounts. This is an illegal non-descriptive debit that is a violation of the law and bank regulatory standards for account management. Please have Bank of America return the funds, follow FDIC and Department of Treasury guidelines for account management. Please have Bank of America provide evidence of the Legal Order they used to remove all funds from my accounts including the name of the Judge and Jurisdiction. I have been attacked by XXXX XXXX Nationalists working at Bank of America.This matter is also being reported to the US Department of Justice.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 902XX

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8361479

Date Received: 2024-02-16

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: On XX/XX/24 at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my XXXX XXXX XXXXXXXX account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called XXXX XXXX XXXX 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " XXXX XXXX XXXXXXXX '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/24 and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at XXXX XXXX XXXXXXXX and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY XXXX XXXX XXXX ON XX/XX/24 AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a XXXX XXXX XXXXXXXX as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 10002

Submitted Via: Web

Date Sent: 2024-02-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8361423

Date Received: 2024-02-16

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: On XX/XX/XXXX at XXXX I received a call from XXXX XXXX I didn't answer. The person left a detailed message regarding fraud on my Bank of America account. She also left a reference number XXXX. I didn't call back as I suspected it was a scam. Her voice was clear with perfect XXXX and she was quite calm. I called B of A 2x last week and couldn't reach anyone. it didn't matter what dept I reached out to I received the same automated info as to how busy are. Yesterday I received postal mail from " Bank of America '' to call them right away at XXXX as they received a credit card application in my name and they need me to verify that I submitted the application which I did not. I didn't call either. On the bottom of the letter it states if they don't hear from me within the next 30 days they won't be able to complete their review and they'll cancel the application. *Please note the letter is dated the same day as the call XX/XX/XXXX and contains the same reference number as in the call voicemail. It also appears a bit fake in some areas. It has been impossible to reach anyone at Bank of America and I tried again today. I'm calling the number on my card but I'm wondering if my calls are being rerouted. To continue, I called my other bank today as I noticed that a hard inquiry was done BY BANK OF AMERICA ON XX/XX/XXXX AS WELL. The rep from my other bank couldn't really assist but it was definitely done and lowered my score. I informed her of what is going on. I'm not sure what the next step is. I'll probably have to visit a Bank of America as my calls are not being answering. I have no idea why they did a hard inquiry and more importantly without my permission or knowledge. I know about this as my other bank provides me with credit monitoring services. I'm very concerned about this situation. Thank you.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 10002

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8361015

Date Received: 2024-02-16

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I have 2 unauthorized transactions to an unknown individual/entity. Both for {$2500.00} via XXXX on XX/XX/XXXX4 and XX/XX/XXXX. I did not receive notification of both transactions and noticed only when logging into my account. I called the Bank of America fraud department on XX/XX/XXXX and reported both unauthorized transactions. A case was opened up ( case # XXXX ) and I was advised to create a new checking account, which I did and reset my online banking password, which I also did. I just want to make sure the chargeback is successful to get my funds totaling {$5000.00} reimbursed into my account. Thank you

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 75056

Submitted Via: Web

Date Sent: 2024-02-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.