Bank of America
Reviews and Complaints

On 04/20/23 EDD deposited $1460 and on 04/25/23 they deposited $74 I didn’t get my card till 04/28/23. On 04/29/23 I withdrew $20 and did a few transactions didnt even spend $300, on 04/30/23 they deposited another $564. When I tried to purchase something on 05/01/23 my card kept declining. I checked my balance and it was only 5.63, went online and saw that someone withdrew $1000 and than another $810. I made a claim the same day I notice this and didnt here anything from them so decided to call yesterday and and they daid to call back today 05/09/23. They told me my claim was denied! Wth? Thats not cool at all Im behind on my rent and car payment aling with other bills havent worked since middle of March so no other income. Cant believe there is so many complaints and tet EDD still uses this so called bank. Will be talking to both the spanish and english news so this can be brought more into the light.

Open claims with BofA prepaid claims department:

⦁ [protected] - Pending for over 2 years
⦁ [protected] - Pending - reconsideration resubmitted
⦁ [protected] - Pending - reconsideration resubmitted
⦁ [protected] - Pending - reconsideration resubmitted

I filed these claims with Bank of Americas Prepaid Claims Department for a EDD debit card I never received. I filed for CA EDD in 2020 and never received the debit card. Shortly after, I obtained temporary employment for over a year and a half and was laid off due to the Pandemic. I filed for unemployment and was told that they couldn't help me and that there was an open active claim in my name that had paid. Well I got approved the first time I filed in 2020 and never received the debit card or any correspondence from CA EDD. I filed a police report and sent it to CA EDD and after numerous calls and escalations I was finally able to get very little information on the claim I had filed and was told that my personal info had been compromised and that whoever stole my card changed my login info and was able to certify for me week after week to get paid. I was able to change my email address, login info to the EDD site, physical address where my card was stolen from and my phone number. CA EDD also advised me to submit the police report to BofA because the claim paid and they would be the ones doing the investigation. I submitted the police report, supporting documents and a copy of my driver license to assist BofA with the investigation. Well 2 years later and my claim is still pending with BofA and has gotten denied twice for no reason. Its clear they're not accurately investigating my claim. The denial reasons I asked for are as follows..., BofA claims that I authorized the transactions on the claim or someone I know authorized the transactions. How is that even possible? I never received any card. I informed BofA that my claims are for unauthorized activity due to a card never received. Also I was told by a manager in the BofA claims department that there are multiple people, male and female performing and attempting transactions at the ATM and that the ATM used was a BofA ATM and the footage would be available to assist in my claim. Well they refuse to use the footage in the investigation which is completely unacceptable. Now theres 3 new claims that a supervisor filed because the transactions were left by out the claims representative when I originally file the first claim.

Its obvious BofA doesn't want to pay out peoples claims and is denying them for no reason. BofA has been ordered to redress harmed consumers who suffered hundreds of millions of dollars in direct and consequential financial harm; harmed consumers will also be eligible to receive additional remediation through an individualized review process due to unfair acts and practices by impeding unemployment insurance benefit prepaid debit cardholders’ efforts to file notices of error concerning their prepaid debit card accounts. When is this going to stop?

I have repeately been charged and accused of owning a safe deposit box in La Dera Ranch california. This issue has come up several times over the years and I have been assured that it was taken care of. Now 10 years later I was again charged for a safe deposit box i never owned. I lived in Rancho Santa Maragarita in 2000 where I owned a safe deposit box and surrendered in around that time.

Today the issue keeps coming up again. This is identity theft. I do not, have never owned a Ladera Ranch box. Any box that was owned 20 years ago in OC was closed along time ago. There is a glitch in your system and your customer service dept cannot hear me when I tell them I don't own it! This is extremly stressful and unprofessional that BA cannot figure this out! Please confirm my not and help resolve this issue once again.

We solicited a moving company to move our household to a new home in another state. We put the deposit on a BoA card. Husband took sick and needed to remain with his current medical team and was advised due to medical issues not to move and to remain on current medical course.

We contacted the moving company about our deposit and was told they would not credit my BoA acct as it was a few days after the allowed time to cancel.

We contacted BoA to 'dispute' the charge and after a 6-9 week wait we were informed that BoA would stand behind the moving company and that we were responsible to pay BoA for the charges incurred of what we paid the movers deposit. Apparently BoA doesn't care about an illness of one of their own customers in favor of a company, that upon research shows to be one star company; and said company shows no compassion in order to earn a buck.

On hold for 40 minutes trying to find out what happened to one of my ira's. finally got to talk to a Samantha, who then wanted to call me back on my cell phone. Call went right to my voice mail and she left me a message to call her back on the line I was on hold for 40 minutes. I tried calling back and waited 20 minutes and hung up. No one seems to be able to resolve this issue.

I've spent over 17 hours on the phone with Bank of America since I opened my business account last year. The online platform has been largely non-functional for me, and none of the agents seem qualified to help. I've been passed around between agents and departments continuously for hours, and to no avail. My most recent grievance was trying to set up a simple "pay-from" account between two of my own Bank of America accounts. This has proven impossible as I've spent 10 hours on the phone with many B of A agents over the last several days trying to resolve this issue. It remains unresolved, and I'm not sure what to do at this point. There is absolutely no accountability on the part of Bank of America for the time and energy I am wasting trying to resolve such a simple issue. Furthermore, the personal business account manager that was assigned to me hasn't responded to any of my emails or voicemails in nearly 6 months. I've been told multiple time that B of A will assign me a new agent, but nothing so far.

bank of america is denying my claims stating that i or someone I know made the charges. Yeah someone I know who was never authorized to use my card. Kristina Feser and Kevin Lachapelle two known thiefs with multiple arrests for mail fraud and buglery. I thought they were my friends yet scamming people stealling their edd money, asking for help with their edd cases just to claim fraud and get paid again although both were in La County Jail 3/21-11/22 and still filing for benefits. Boa claims to have such great fraud protection yet double pays fraudsters and denies people who have really been frauded.

After moving to a new address Bank of America froze my account to credits only denying me the ability to pay my bills rent and food. I’m 91 years old and the bank will not provide me with any explanation bc it’s with the Risk Department and their number of the investigator in risks number rings without a voicemail. The bank is offering no resolution and says I have to wait.

Dear Sir/Madam,

We (Prem Dhakal & Sanu Dhakal) are husband and wife. We had joint account ending 2454 which was closed due to withdrawn money to purchase equipments from SNAP store New York. Therefore we closed the old account and open new and transfer all money. Being Zero( 0) balance, SMUD has suggested me to request Bank of America to send email not to charge extra fee being zero/insufficient fund/ balance because we had made automatic payment in each month. As we paid from new Account of Bank of America.

SMUD Email :

www.cusomerservices.org

Our SMUD Account Number:6166700

If our apartment ask and PG& E ask to pay extra fee I will write you again to send them also email.

We have not anything wrong. Extra fee charge is being as a punishment for us

Attached herewith SNAP Store where materials were purchased.

Looking forward for your kind suggestion / response

Please sent us email: [protected]@yahoo.com

PH: [protected]

Prem Dhakal

Sanu Dhakal

7640 Auburn Blvd, Apt# 34

Citrus Heights

CA 95610.

Sent from Mail for Windows

I am writing about an issue which remains unresolved even though the complaint has been almost 1 year and 2 months/14 months old as I will describe below:

1) On February 10, 2022 at 11:52AM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Christopher, Senior Investment Specialist with Merrill's Live Chat team concerning unable to use my Bank of America Debit Card at numerous Bank of America ATM machines at different locations to conduct money transfers from my Bank of America, N.A. Advantage Savings Bank Account to Merrill Edge® Self-Directed Cash Management Account® (CMA® Account) Investment Account which I had been able to do with the last successful transfer transaction on November 2, 2021. The linking of the Merrill Edge® account to the Bank of America, N.A. Debit Card is a feature mentioned on page 6 item #90 of the Merrill Edge® Self-Directed Cash Management Account® (CMA® Account) Disclosures and Account Agreement which can be found at:

https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrilllynchself-directedcmaaccountagreement.pdf

which states:

"Account Linking to Bank of America Debit Card

90) Certain Merrill brokerage accounts can be linked to a Bank of America

debit card . Linking your brokerage account to your Bank of America

debit card allows you to access your brokerage account at most

Bank of America ATMs . If you choose to link your brokerage account

to your Bank of America debit card and you also have a Merrill-branded

deferred debit Visa card for your brokerage account, both cards will

remain active with their respective PINs; however, your Merrill card

will not be able to access your Bank of America deposit accounts .

Please note though that any limitations applicable to the card being

used (such as daily cash withdrawal limits) will apply when that card is

used—regardless of the account being accessed . Linking of a brokerage

account to a Bank of America debit card will allow you to transfer funds

between your brokerage accounts at Merrill and your deposit accounts at

Bank of America when using your Bank of America debit card."

2) On February 11, 2022 at 1:51PM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Alexander, Senior Investment Specialist with Merrill's Live Chat team in Chandler, Arizona as a follow-up to the same unresolved issue who basically escalated the issue and said to live chat back with Merrill Edge® in a few days for a status update on my case.

3) Between February 11, 2022 to March 11, 2022 - I called both Merrill Edge®, Merrill Lynch Wealth Management and Bank of America, N.A. The response from Merrill Edge® and Merrill Lynch Wealth Management was this is a Bank of America, N.A. issue as the ATM machines belong to Bank of America, N.A. and they do not have access to view the debit card logs of the transactions performed at the Bank of America, N.A. ATM machines. They would then transfer me to Bank of America, N.A. customer service but never staying on the line to do a conference call so both Merrill Edge® and/or Merrill Lynch Wealth Management, Bank of America, N.A. and myself can all talk to each other at the same time so I had to explain the situation each time and eventually the Bank of America, N.A. customer service representative will transfer me to their supervisor who confirmed that the debit card transaction logs would show the error of connection lost to host which meant Bank of America, N.A. machines have trouble connecting with the Merrill Lynch, Pierce, Fenner & Smith, Inc. servers which means either the connection was refused, connection timed out or some other technical issues. Bank of America, N.A. also said that only Merrill Lynch, Pierce, Fenner & Smith, Inc. can link their accounts to the Bank of America, N.A. Debit Card while Bank of America, N.A. is unable to access Merrill Lynch, Pierce, Fenner & Smith, Inc. accounts while Merrill Lynch, Pierce, Fenner & Smith, Inc. can access Bank of America, N.A. accounts.

4) On March 11, 2022 at 2:05PM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Alexander, Senior Investment Specialist with Merrill's Live Chat team in Chandler, Arizona as a follow-up as requested to the same unresolved issue from the February 11, 2022 at 1:51PM Pacific Time when the live chat ended communications who basically said the issue lies with Bank of America, N.A. as it is the Bank of America ATM machines which is the issue and Merrill is unable to help resolve the issue and escalated the case again.

5) On March 11, 2022 at 3:05:45PM Pacific Time - I received a e-mail from Alexander, Senior Investment Specialist with Merrill's Live Chat team in Chandler, Arizona as a followup to the March 11, 2022 at 2:05PM Pacific Time when the live chat ended communications which said:

"$My First Name and Last Name$,

Thanks for contacting us, I’m glad that we were able to connect on what matters to you most. Good news, we have found the solution to your ATM debit card issue. Our BofA technical team reviewed the ATM and the error message in question (Host Not Available) and concluded that the debit card reader is not working properly. Please call BofA to order a new replacement debit card. If you have any questions or would like to discuss further, please give us a call at [protected].

You can also access more tools for investing by visiting merrilledge.com.

We look forward to hearing from you again soon.

Sincerely,

Alexander "Last name"

Investment Specialist

Merrill Lynch, Pierce, Fenner & Smith Incorporated"

6) Per the March 11, 2022 at 3:05:45PM Pacific Time e-mail mention in 5 above, as requested, I called Bank of America, N.A. customer service on March 12, 2022 to order a new replacement Bank of America, N.A. Debit Card and received a new card with the same

7) After receiving the new Bank of America, N.A. Debit Card and until March 30, 2023 - I had attempted to use the new replacement Bank of America, N.A. Debit Card at numerous Bank of America ATM machines at different locations to conduct money transfers from my Bank of America, N.A. Advantage Savings Bank Account to Merrill Edge® Self-Directed Cash Management Account® (CMA® Account) Investment Account and ofcourse had the same exact issues as mentioned earlier.

8) On March 30, 2023 at approximately 10:37AM Pacific Time when the live chat ended - I contacted Merrill Edge® via Live Chat and talked to Elizabeth to inform her that I am still experiencing the same issues as 1-7 of mentioned earlier. Elizabeth was extremely rude and basically saying this is a Bank of America, N.A. problem and there was nothing she can assist with. She also argued and said that Merrill representatives cannot access Bank of America, N.A. accounts when I know for a fact that when a securities brokerage business and a bank are under the same corporate roof, the bankers do not have access to the securities accounts due to their license while the securities side has access to the banking accounts as I have experienced this with both Bank of America, N.A./Merrill Lynch, Pierce, Fenner and Smith Inc. and other financial institutions that have a banking business with a securities business and as a example, I already stated that when I visited a Bank of America, N.A. banking center to open a Bank of America, N.A. depository account, it was a Merrill Lynch, Pierce, Fenner and Smith Inc. representative who opened the bank account directly using their computer without needing assistance from a Bank of America, N.A. representative. Elizabeth basically said she would escalate the issue and then immediately closed the Live Chat without even giving me a chance to respond, which is extremely poor incompetent customer service.

I would like to see this issue resolved so transfers would work as it previously did between Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith, Inc. accounts as if it would look really bad in the financial services industry to their competitors for the two companies and Bank of America Corporation as a whole when they cannot even fix a problem within their own organization that is a advertised client feature in writing.

in December 2022 I recieved a 1099 stating PUA unemployment16,799,the problem is I never recieved any payments because I never rcieved my card.On Janary 10,2023 I called bank of america they informed me that I had 2 claims 1 for 5,135.41 claim number #[protected] and second claim for 18,477.26 claim number #[protected].on March 03,2023 I called to check on my claims and both claims were denied reason being that they did there research and found that by the documents they relied on in making this decision they say that either I gave someone permission to use my card or I authorized the purchases!I couldn't believe what I was reading at no time did any agents tell me I had aright to fax in the documents that I had to prove these accusations wrong.On March 12,2023 I faxed over the police report I filed complaints with the FCC and the CFPBI also emailed my att orney generals office and made a report to the FBI for fraud and Idenity theft.I also requested the documents they used in there investagation which I still have not recieved.On march 16,2023 I called to check on my claims and I found they did reconsider the 5,135.41 and that amount was adjusted back onto my account.As for the second claim of 18,477.26 to this day march 30,2023 I still haven;t heard what there outcome will be I was told they have 45 days to investigate.Im super confused both claims were from the same account just diffrent cards so how can they approve one but not the other?And another crazy thing that happend was somebody got a hold of my debit card and made more unauthorized purchases.How can bank of america not catch these transactions before they get out of hand?As of today i'm stillwaiting for my funds to be credited back onto my account it's a 50/50 chance.I do not like to gamble I just need a solutionIt is crazy the agents treat me like I did something wrong when they or the ones who let this slip through there fingers.

I was unaware that n6 benefits had been stolen until i received my 1099g feom them. I finally got a hold of boa and filed myclaim. The first 2 were denied. The 3rd one is still pending. I have dubmitted all the documrbts necessary to back yp my claims. However, it tas been iver 60 days and u have heard kothing of it. I have been struggling with cystomer service vecause 5hey do not seem to want to gelp. I am currently goin thru a funancial.hardship due to identity theft snd need this to be resolved quickly. Thank you.

Between December 2022 and January 2023, a scammer got a hold of my debit card and made unauthorized purchases for Bitcoin. I was sent a denial letter recently. Prior to that, Bank of America took the money out of my mother’s account to pay back what was the result of the overdrawn balance, and nobody contacted me to take care of this issue. I have filed a police report stating that I was scammed.

I am writing this complaint on a public forum to help other consumers that are impacted by fraud facilitated by Bank of America. On the weekend of March 18, 2023, I received an official looking letting from Bank of America entitled declination. I scanned the envelope and document and did not see any obvious signs of a scam so I instead perceived this as identity theft, identity fraud, and financial fraud. I should note that I have not had a Bank of America account in about 10 years and I will never again bank with this obviously illegal organization. I called into their fraud department to inquire, report, and request resolution but the only answer that I received was apathetic and obviously scripted. A few of the representatives targeted me for harassment for which I rightfully defended myself. I have now filed complaints with all financial regulatory boards and have requested escalation for the resolution of these apalling crimes. A week later, on March 23, 2023, I received a call by a man who used the alias Edward Hill in regulatory complaints who provided no useful information. He advised of the following:

1. He admitted that Bank of America did in fact facilitate the creation of two deposit accounts in my name by a fraudulent and malicious party and could not explain how or why this was possible or what measures would be taken to prevent this going forward.

I remained steadfast and vigilant trying desperately to figure out why this bank would now attack me so blatantly not once, not twice, but now three times.

He refused to be accountable for this organizations illegal activity or provide a cognizant or legitimate response. Instead, he unprofessionally disconnect the line to remove himself from a conversation that he did not and could not answer for.

I sent a copy of the letter received on March 18 to Bank of America on the same day.

In addition to this complaint, I am now contacting the State of CT Attorney generals office.

I received a letter this past weekend from Bank of America thanking me "for your interest in opening a deposit account with us." I did NOT try to open an account, and this letter indicated it was a "declination notice." I called every possible 800 # I could find for Bank of America, and without a card # or phone authorization #, I was not able to connect with anyone. This was fraudulent activity and it's something Bank of America should be concerned with. But they evidently don't want people to be able to actually talk to them, so they make it so only customers can.

bank of america froze all 4 of my accounts for fraud activity which they determined wasn't from my end. still they had all my 4 accounts on hold and could't pay any bills or rent. bills accumulated and I was charged late fees and I could't us my debit card to get groceries or gas in my car for a bit like a month or more. the fraud department would't give a true reason and kept lie after lie on a date which my accounts would be freed to use. I went into a local branch and the bankers and managers would call the fraud department and only putting us on hold and switching us into different fraud departments. all of this was with many different days of attempts throughout the month. after so many attempts like 15 in total or maybe more, my accounts were finally unfrozen. I was punished for someone else. i am now stuck with additional charges on my rent and bills because of this. still bank of america is punishing me and removed me from being able to ever use zelle. i have been a bank of america customer since 2008 18 years. this is how they will treat a valued customer. i could't access any of my own money not even withdraw in person at the bank. for all this time I had to borrow money to get by and I have a family of 5. bank of america left to struggle and yet I can not use zelle again and that is how I pay some of my bills and child support and how I get money paid to me. bad business and the corp should really be ashamed of them selves!

I Opened account with Bank of America and out of nowhere they closed the account. They said they didn’t have to disclose the reason and they didn’t give me a notice as they said they did or I would’ve withdraw my money.

They said they were going to return my money in a cashiers check. But the money never came. I’ve called three or four times, and they say that the check was issued and sent to my place but it never came.

Now I’m calling and they say I have to wait 120 days until they re-issue another check or I have to wait until this check is returned. This is the most inconvenienced I’ve ever been by a professional bank.

The customer service is terrible regarding this issue. They act as if I’m a non-factor now that they closed my bank.

They said they couldn’t even track it because they didn’t put a tracking number on a cashiers check.

Having to go months without my money is outrageous. They took it within 30 minutes but now I have to wait three or four months to get it back no matter the hardships I am enduring.

#Terrible

BofA accepted a payment for a credit card account that had been closed for two years.

Why does today’s online BofA statement show there is a credit balance for that “closed” account?

After multiple calls to customer service representatives who assured us the account was indeed closed and that we would receive a full refund within 10 days, we sit owing overdrafts and late fees to other financial institutions.

Also BofA posted duplicate payments for the same amount to a new credit card account.

I recently decided to have cosmetic work done and I found a clinic which advertised on facebook. I spoke with a representative (Melissa) of the clinic and and was satisfied with the answers provided. I made a deposit to schedule future payments for a service which I planned to schedule for a much later date. However, once the deposit was made the merchant was no longer available. I then contacted the surgeon who had no Idea who I was and knew of no such deposit. Immediately realizing that it was a scam, I contacted BOA, who stated that because I have NO expected service date, there is nothing they will be able to do. I informed him that I spoke with the office of the actual surgeon who had no record of any services to be rendered. The CSR apologized and stated that the only that I could do is continue to try to make contact with the merchant who scammed the deposit from me in the first place. I guess I'm S.O.L