Bank of America Customer Service Nu: Resolving Problems and Getting Refunds

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Bank of America's customer service can be a lifesaver when you're facing a problem with your account. You can reach out to them via phone, email, or through their mobile banking app.

Bank of America's customer service hours are 24/7, so you can call them anytime to resolve an issue. They also have a comprehensive online help center that's available 24/7.

If you need to speak with a representative, Bank of America offers a variety of channels, including phone, email, and live chat. You can also visit a local branch in person.

Bank of America's customer service is known for being helpful and knowledgeable, with many customers praising their ability to resolve issues quickly and efficiently.

Contacting Customer Service

You can reach Bank of America's customer service by phone, and the numbers vary depending on your needs. For checking and savings customer service matters, dial 1(800)432-1000.

To contact the credit card department, dial 1(800)732-9194. You can also call 1(800)432-1000 for online banking support.

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If you're an international customer, you can reach Bank of America's customer service at 1-315-724-4022.

Here are some key phone numbers to keep handy:

Customer service is available Monday to Friday from 8 a.m. to 11 p.m. ET and from 8 a.m. to 8 p.m. ET on Saturday and Sunday.

Contacting

You can contact Bank of America's customer service in various ways, including by phone, online, and in person. You can call 1-800-432-1000 for checking and savings customer service matters, or 1-800-732-9194 for credit card customer service.

To contact Bank of America by phone, you can use the numbers listed below:

  • Checking and savings customer service: 1-800-432-1000
  • Credit card customer service: 1-800-732-9194
  • Online banking support: 1-800-432-1000

You can also contact Bank of America's customer service through their website or by visiting a financial center in person. If you need help with a specific issue, you can use the Bank of America customer service phone number for international customers, which is 1-315-724-4022.

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Here are some things you can expect when contacting Bank of America's customer service:

  • Phone support is available Monday to Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 8 p.m. ET.
  • Response times can vary depending on the method of contact and the volume of inquiries.
  • You can also contact Bank of America's customer service through social media platforms like Instagram, Facebook, and X.

Legitimate Communications

If you opt in to custom alerts, Bank of America may text you about account balances, unusual activity, credit or debit card use, or new and expiring deals.

Text messages from Bank of America will typically come from one of the following short codes, which can help you verify the authenticity of the message.

Here's a list of Bank of America's legitimate short codes for different types of security alerts:

By knowing these short codes, you can stay one step ahead of scammers and confidently respond to legitimate Bank of America communications.

Executive Contacts

If you need to contact someone at Bank of America, you're in luck because they have a clear hierarchy of executive contacts.

The primary contact for client experience is Ashley Ross, who can be reached at [email protected] and is based in Charlotte, NC.

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For more complex issues, you can try contacting Michael Patrick, who handles executive escalations and can be reached at [email protected], also based in Charlotte, NC.

If you need to reach someone even higher up, Holly O'Neill is the Chief Client Care Officer and can be contacted at [email protected], with an office in Boston, MA.

At the very top of the chain is Brian Moynihan, the Chairman and Chief Executive Officer, who can be reached at [email protected] and is based in Charlotte, NC.

Scams and Suspensions

Bank of America will never engage in practices like suspending your account due to fraudulent activity and asking you to reactivate it by following a link that may send you to a spoofed website or trigger a malware download.

If you're ever concerned about your account standing or activity, you can check on both using the official Bank of America website or mobile app.

Be aware that scammers may claim your account has been suspended and ask you to respond with your login credentials, but this is a tactic to steal your information.

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To report a text scam, you can email the text to [email protected], forward the text to Bank of America's short code, 722669, or call Bank of America at 1 (800) 432-1000.

Here are the ways to report a text scam:

  • Email the text to [email protected]
  • Forward the text to Bank of America’s short code, 722669
  • Call Bank of America at 1 (800) 432-1000
  • Notify the Federal Trade Commission (FTC)
  • File a complaint with the Federal Communications Commission (FCC)

If you report a text scam immediately, Bank of America may reverse fraudulent charges under their $0 Liability Guarantee program.

Overcharged Fees for Insufficient Funds

Bank of America used to charge customers a $35 fee for each rejected transaction due to insufficient funds, a practice known as "double-dipping".

This means if you didn't have enough money in your account to cover a check or withdrawal, the bank could reject the transaction multiple times, charging you a fee each time.

Bank of America stopped charging all non-sufficient funds fees last year and refunded tens of millions of dollars in fees to affected customers.

If you were one of those customers, you may have already received some of the money back in your bank account.

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However, if you're still owed a refund, Bank of America will make the payment directly to your account.

Former customers will receive their refunds by mail.

To get in touch with Bank of America's customer service about your overcharged NSF fees, call toll-free 1-855-729-1764, email [email protected], or write to P.O. Box 25118, Tampa, FL 33622-5118.

Unauthorized Credit Card Openings

If you're one of the customers who didn't give authorization to open new credit cards, you're not alone. Bank of America had a sales incentive program that rewarded employees for meeting goals for opening new credit card accounts, which led to some employees opening credit cards for customers without their permission.

Some customers may have incurred fees or had damage to their credit reports as a result. Bank of America has paused the sales incentive program and reimbursed costs for some affected customers already.

The bank must now remove entries that could show up on credit reports for people who had accounts opened without their permission. They're also required to submit a plan that identifies harmed consumers and explains how the bank will make payments or refunds to them.

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You can try to resolve your problem directly with the bank, as they can answer questions about their own products and services and look into your unique situation. If the problem isn't resolved, you can submit a complaint to the CFPB by calling (855) 411-CFPB (2372).

Here are the steps you can take to report unauthorized credit card openings:

  • Try to resolve the issue directly with Bank of America.
  • Submit a complaint to the CFPB by calling (855) 411-CFPB (2372).
  • Bank of America must remove entries from credit reports for unauthorized accounts.
  • Bank of America must submit a plan to identify harmed consumers and provide refunds within one year.

False Account Suspension

Be cautious of scammers claiming your account has been suspended due to fraudulent activity.

Bank of America does not engage in practices that involve sending you to a spoofed website or triggering a malware download.

You can check your account standing or activity using the official Bank of America website or mobile app, eliminating the need to respond to suspicious messages.

If you receive a text asking you to respond with your login credentials, it's likely a scam.

Don't fall for the trap of clicking on links from unknown sources, as this can compromise your account security.

Warning Signs of Scams

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Scammers often use urgent or threatening language to try and get you to act quickly, but real Bank of America representatives won't rush you or threaten your account.

Be wary of texts or calls that demand immediate action, as this is a common tactic used by scammers.

Scammers may threaten to suspend your account or charge late fees if you don't give them the information or payment they request.

Frequently Asked Questions

Does Bank of America have 24-7 customer service?

Bank of America offers extended customer service hours, but not 24/7, with phone support available Monday to Friday from 8 a.m. to 11 p.m. and Saturday to Sunday from 8 a.m. to 8 p.m.

How do I chat with an agent at Bank of America customer service?

To chat with a Bank of America customer service agent, log in to Online Banking and navigate to the Help & Support tab, then select Contact us and choose a topic to initiate a chat.

What is the number for Bank of America 800 432 1000?

The main Bank of America customer service phone number is 800.432.1000. You can also find additional toll-free numbers for specific products and services on the Bank of America website.

Sean Dooley

Lead Writer

Sean Dooley is a seasoned writer with a passion for crafting engaging content. With a strong background in research and analysis, Sean has developed a keen eye for detail and a talent for distilling complex information into clear, concise language. Sean's portfolio includes a wide range of articles on topics such as accounting services, where he has demonstrated a deep understanding of financial concepts and a ability to communicate them effectively to diverse audiences.

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