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: 7631270

Date Received: 2023-09-29

Issue: Problem with a company's investigation into an existing problem

Subissue: Problem with personal statement of dispute

Consumer Complaint: Bank of America downgraded my credit score with minimal warning. I argue that the minimal payment was being received by auto-draft for my monthly bill statement. Bank of America decided to downgrade my credit score because they increased my monthly bill obligation and I didn't know. I called Bank of America to explain that my account was set up on auto-draft and I was unaware of my monthly billing statement being increased and that they should on a one-time basis reverse the incredible hit to my credit score for this first infraction. They decreased my credit score by XXXX points. I do not miss payments!

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

State: FL

Zip: 34609

Submitted Via: Web

Date Sent: 2023-10-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7630836

Date Received: 2023-09-30

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: In XXXX of 2023 I requested an increase on my XXXX credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.

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

State: CA

Zip: 92663

Submitted Via: Web

Date Sent: 2023-09-30

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7630282

Date Received: 2023-09-29

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: We purchased a travel trailer in XX/XX/2023 XXXX used Bank of America as our finance company. Since that time they have mis-applied our additional principal payments 4 times. Each time they apply the additional funds as payments and not as additional principal. We have even gone into the branch and used their coupon and hand wrote the additional principal portion of the total amount in the space provided and they still posted it as 7 payments rather than 1 payment and additional principal. After each incorrect posting we are forced to call in and verify that it was posted incorrectly and then have to wait 3-5 business days before it is fixed and in most cases do not even know it is fixed until the next monthly statement as their online system does not allow us to see payment transactions.

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

State: OH

Zip: 43004

Submitted Via: Web

Date Sent: 2023-09-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7630242

Date Received: 2023-09-29

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I can not dispute any transactions online. They require me to call when theres an option that you can dispute online even though Ive only disputed one thing in the past year they require me to call when Im XXXX and CAN NOT make calls!!! I want to be able to do stuff online with ease its not fair Ive been with them for years. It says it for any item on my transactions as Ive check to see if it was just one but its all of them!!! Its ridiculous

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

State: FL

Zip: 328XX

Submitted Via: Web

Date Sent: 2023-09-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7630240

Date Received: 2023-09-29

Issue: Problem with a purchase or transfer

Subissue: Card company isn't resolving a dispute about a purchase or transfer

Consumer Complaint: I XXXX XXXX, still have not gotten the information I requested. My claim keeps getting denied. I never received the card or activated the card that had the charges that totaled {$880.00}. The fraud department only sent me proof that the card was actived and the charges that were made. I have asked if they could tell me what ( 1 ) phone number was used to activate the card, ( 2 ) if the person knew my SSN, and ( 3 ) if they have a photo of the person making the charges. I never saw that card and I did not activate it. I did not give anyone permission to use my card. I filed a police report because this was the second time my XXXX funds were stolen. Your system does not protect the vulnerable. My police report number is XXXX. A copy of the report is in my file. My husband and I have been back and forth in the hospital he is dealing with XXXX that has spread all throughout his body. We need all of our money. The missing {$880.00} has caused a lot of bills not to be paid. Please make this situation right.

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

State: CA

Zip: 92392

Submitted Via: Web

Date Sent: 2023-09-29

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7629427

Date Received: 2023-09-29

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue: Application denials

Consumer Complaint: I applied for a HELOC and requested XXXX. They responded that they can only approve XXXX. I said that I have more equity in my property than that. The processor XXXX XXXX said that I can provide 5 similar homes that have been recently sold, so that they can request an appraisal of my property and then they may consider offering more. She made the following statement " If your appraisal comes back lower, then you may be offered less than I am offering now. '' I responded that I am sure my property is worth more than what they have in their system which gives me more equity to borrow against. Subsequent to that she requested that I provide my W-2s, my HOA statement, my home owner 's insurance, my payment history, and account in good standing advisory from my current mortgage lender. I provided all of the requested information and also provided my Tax Transcripts for XXXX and XXXX to illustrate that my income is substantial and sufficient for me to manage my current obligations The processor XXXX XXXX scrutinized the number of jobs I work and how I manage to work multiple jobs. I answered the question, but the questioning seemed to be more skeptical than analytical, because the only thing that should matter is my credit which was XXXX according to the form they gave me where they ran my credit, which also illustrates I don't have any bad debt, and the consistency of my income, which is demonstrated by the tax transcripts I provided along with the W2s. XXXX XXXX reached out and said the underwriter XXXX XXXX said they needed to make sure I lived in my house. To which I responded when I work from home, so of course I live in my house. She said they may ask for verification that I live in my house. I said you already have my home insurance, my HOA statment, and any other bill such as water and gas are going to have my mailing address and the house as the physical location of the service. XXXX XXXX sent a communication XX/XX/XXXX to let me know she received my last W2 I had to request to be mailed to me and that she was waiting to hear from the underwriter and that she would get back with me by XX/XX/XXXX. I didn't hear from her so I check the application status online and it said " no longer active. '' i called the Bank of American HELOC department to see what that meant and when I called the automated system said that the application had been denied. I requested to speak to someone and I got a customer service agent in that department. She told me that the XXXX XXXX XXXX denied my application on XX/XX/XXXX. The representative also told me that they were denying my application due to my debt to income ratio, even throug my income is substantially more than my debt and I also provide information regarding liquid assets I have that reduce that should have eliminated any concern about a debt to in come ratio, they also said they were denying me because they couldn't verify my information, which is a complete farce because I have two credit cards with them and I have had bank accounts with them for almost a decade. Please keep in mind that I was applying for a HELOC where the equity in my house would be the collateral, so as far as applicants go my application should be considered low risk and approved. In retrospect I have to consder the following tihngs that make me think that I am being discriminated against and that my application was going to be denied from the moment the process spoke with me, because I sound and I am most definitely XXXX. The first thing I noticed is that the process immediately tried to devalue my property and lower my equity. Please also take not that while she offered the option to have her valuation reviewed based on the information I actually took time to collect and to have my property appraised. She never actually followed up with me about the houses sold near my house that I provided and she never had the house appraised again, which gave me the distinct impression that I was denied before I provided any of the required information. The scrutinizing questions about how I am able to manage multiple jobs I tried to take as being curious, but there was an uncomfortable tone of skepticism and disbelief. Then there is the fact that she played along like my application was still being considered on XX/XX/XXXX when I was told by the customer service representative that I was already denied 4 days prior. Finding this out made the concerns about discrimination real for me, because why did she play along like things were still being evaluated if I was already denied and before that why did she have me provide information for my house to be reappraised then didn't do anything with the information or follow-up with me about it? This was very cruel. She was pretty much not going to do anything and let me get the denial in the mail.

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

State: TX

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-09-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7629149

Date Received: 2023-09-28

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: I attempted to order a XXXX XXXX XXXX XXXX online. My order processing failed. My bank statement showed three attempts with a " PROCESSING '' status to charge my account for XXXX from Intact Idea. My account balance decreased by XXXX as I observed in XXXX XXXX with concern, dropping from XXXX to XXXX. I contacted the vendor who informed me that none of my orders were successful. This morning when I checked my account balance, the XXXX processing charges had disappeared, but my account balance remained at XXXX. I called Bank of America for clarification and was informed by the assistant that XXXX attempts had been made and all " REVERSAL '' status transactions had been processed. No such records appear in my account history, and my cumulative account balances have been adjusted ( down ) from the previous day 's numbers preceding the processing transactions. I'm in the process of self auditing my bank statements to determine how much money is actually missing from my account along with my payroll stubs. At best, what's happened here is a terrible User Experience design in the web interface of Bank of America 's account management software. Right now, I'm currently under the impression that an unknown amount of money has been stolen from me, at minimum XXXX dollars.

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

State: WA

Zip: 98110

Submitted Via: Web

Date Sent: 2023-09-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7628959

Date Received: 2023-09-28

Issue: Opening an account

Subissue: Account opened without my consent or knowledge

Consumer Complaint: Second time receiving a notice of an account being opened or signing up for an account with Bank of America without my knowledge or consent.

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

State: NJ

Zip: 085XX

Submitted Via: Web

Date Sent: 2023-09-28

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7628734

Date Received: 2023-09-28

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: On XX/XX/2023 I received an email saying that my bonus reward of {$200.00} was applied to my account ending in XXXX. I believe this was the advertised promotion of {$200.00} applied once you spend XXXX on your new credit card. I never received the credit. The email is attached and said : Bank of America. Your bonus reward has been applied to your account Credit card ending in XXXX Your bonus reward of {$200.00} has been applied to your account. Your award will appear on your monthly billing statement. Refer to your rewards program rules for redemption timing and options. Keep using your card for purchases in store and online, and continue earning base rewards. You can review additional details about your account in Mobile or Online Banking.

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

State: IL

Zip: 60134

Submitted Via: Web

Date Sent: 2023-09-28

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7628678

Date Received: 2023-09-30

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

Subissue: Money was taken from your account on the wrong day or for the wrong amount

Consumer Complaint: Below is the email I wrote to CEO of BofA Merrill Lynch, summarizing all the issues that I had encountered when trying to sell one stock I owned in Merrill Lynch account. Furthermore, over {$7000.00} in taxes were erroneously withdrawn from my account during the sale of the stock - this was AFTER I had spoken to representatives XXXX XXXX and XXXX XXXX a XXXX times and they ASSURED me there would NOT be any taxes withdrawn. I hereby request an immediate refund of the wrongfully withdrawn taxes, and an official apology from Merrill Lynch 's executive team. I do NOT authorize being called on phone. Only written email communication. On XXXX XXXX XXXXXX/XX/XXXX at XXXX wrote : XXXX , XXXX : What a horrible experience it has been trying to sell stocks in my Merrill lynch account and transfer proceeds from the sale to my Bank of America account : - Stocks were not visible in my online account - Online account has no ability to sell the shares and no ability to access the money - been given 4+ phone numbers to call to get help to sell stocks and transfer money - talked to 8+ representative who all couldnt help with liquidating the account - XXXX XXXX and his team erroneously withdrew federal taxes despite having approved my W9 form - XXXX XXXX was the only one willing to help and provide satisfactory customer service. Even with that, it has been a week and I still havent received the refund for taxes withdrawn. Also, despite reassurances that there would be no wire transfer fee, Bank of America did assess this fee for the portion of my proceeds that did transfer. - I still have NOT received the entirety of proceeds from the sale See attached screenshot of phone calls last XXXX ALONE with your teams to resolve this matter. No customer, and certainly not during Covid times, has this kind of time to spend to access the money we should easily and rightfully have access to. I urge you to immediately rectify the situation, and issue an official apology on this matter. I do not have time to answer any questions or to further discuss this matter during weekdays. I have a job - thats not trying to access my money- and a family and life to care for. On Fri, XX/XX/XXXX at XXXX XXXX wrote : Attached. Again, I want to state what a horrible experience and time drain this has been for me : Ive been in contact with several Merrill Lynch representatives, have been asked to call multiple numbers, had over a dozen phone calls all last week alone- not counting the ones prior. To date, I still havent received the money I should. XXXX XXXX and his associate XXXX, have caused more issues and provided erroneous information to me as well as unsatisfactory customer service. I am appalled at the experience so far, and urge you to rectify the situation IMMEDIATELY. On Fri, XX/XX/XXXX at XXXX XXXX wrote : Hello XXXX, I appreciate your help. When will the $ XXXX that was erroneously deducted from my Merrill Lynch account be returned to me? It has been over a week since you and I last spoke that this is being worked on, but we have not received the money. Also despite your reassurance that there would be no wire transfer fee between XXXX and my Bank of America checking account during our call, unfortunately BofA DID assess such a fee. See attached. Please refund this one and any future fees associated with the $ XXXX transfer. Thank you, On XXXX XXXXXX/XX/ at XXXX XXXX XXXX, XXXX XXXX - XXXX GA XXXX wrote : XXXX XXXX XXXX Client Relationship Manager XXXX From : XXXX, XXXX XXXX - XXXX GA Sent : XXXX XXXXXX/XX/XXXX XXXX XXXX To : Subject : Contact information XXXX XXXX XXXX XXXX XXXX Client Relationship Manager XXXX XXXX XXXX XXXX Merrill Lynch, XXXX , XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX cid : XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : XXXX. If you are not the intended recipient, please delete this message.

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

State: CA

Zip: 95831

Submitted Via: Web

Date Sent: 2023-09-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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