Bofa Complaints and Online Banking Problems

If you're having trouble with Bank of America's online banking system, you're not alone. Many customers have reported issues with logging in, making transactions, and accessing their accounts.

One common complaint is about the bank's online banking platform being down or unavailable, which can be frustrating for customers who rely on it. This has happened to some customers who reported being unable to access their accounts for several days.

Some customers have also experienced problems with their accounts being locked or frozen, which can be a real hassle to resolve. In some cases, customers have reported being unable to reset their passwords or access their account information.

Bank of America's customer service team has been criticized for being unhelpful and unresponsive, with some customers reporting being put on hold for long periods of time or being given incorrect information.

Some customers have reported issues with BOA's credit card fraud protection, including being shut down for 10-20 days while waiting for a replacement card to arrive.

One customer had their digital finances shut down, including their Google Wallet and G-Drive, after their card was suspended due to suspected fraud.

BOA's credit card program has been criticized for allowing separate card numbers for each user, which can lead to multiple cards being shut down if one is compromised while traveling.

This can leave customers stranded without access to their funds or other cards.

Federal regulators have reported instances of unauthorized transactions using customer information at BOA, which were allegedly caused by some employees trying to meet sales goals in a program that started in 2012.

BOA has since paused this program and started reimbursing affected customers.

The Bureau of Consumer Financial Protection is taking big banks to court over the Zelle app, which has been plagued by widespread fraud.

The Bureau is suing several major banks, including Bank of America, over their role in facilitating scams through the Zelle app.

Zelle, a peer-to-peer payment service, has been used by scammers to trick people into sending money to fake accounts.

These scams have resulted in thousands of consumers losing millions of dollars.

The Bureau claims that the banks failed to adequately protect consumers from these scams, and instead allowed them to continue unchecked.

The Bureau is seeking relief for affected consumers and is pushing the banks to take greater responsibility for preventing these types of scams.

Filing a complaint against Bank of America can be a straightforward process. You can start by visiting their official website and looking for the "Contact Us" or "Help" section.

Bank of America has a dedicated complaints resolution team that handles customer grievances. They are available to assist you 24/7.

To file a complaint, you'll need to provide some basic information, such as your account details and a description of the issue. This information will help them locate your account and process your complaint.

Bank of America also offers a mobile banking app that allows you to report issues and submit complaints on the go. The app is available for both iOS and Android devices.

You can also reach out to Bank of America's customer service team by calling their toll-free number, 1-800-432-1000. Be prepared to provide your account information and a clear explanation of the issue.

Bank of America's complaints resolution team will review your complaint and respond to you within a few days. They may also contact you to gather more information or to provide a resolution.

In some cases, Bank of America may require you to provide additional documentation or evidence to support your complaint. This is a standard procedure to ensure a fair and thorough investigation.

If you're not satisfied with the response you receive, you can escalate your complaint to Bank of America's executive customer service team. They will review your case and provide a more detailed explanation of their decision.

Bank of America's customer service has been a major letdown for many customers. Long wait times on the phone are a common issue, with one customer waiting 25 minutes just to speak to a manager.

Slow response times from customer support can be frustrating, especially when issues aren't resolved immediately. In fact, one customer spent 25 minutes on the phone, only to be put on hold again for 20 minutes waiting for a manager.

The quality of customer support can be a concern, with some customers reporting that representatives sound like they're in their teens and don't seem to know the information they're supposed to have. This lack of knowledge can lead to incorrect answers and further frustration.

Customers have also reported being transferred multiple times, with no one willing to help or take responsibility for fixing the issue. This can be a major turn-off, especially for long-time customers who expect better service.

Reading your deposit account agreement and Bank of America's FAQs can help reduce the need to contact customer service, but it's not always a solution. In some cases, visiting a branch in person may be the best option, but make sure you have proper documentation if you need to file a formal complaint.

The experience of one customer is a stark reminder that even after 20+ years of being a customer, Bank of America can still get it very wrong. Their account was messed up so badly that the customer felt like they were begging to be let go.

Bank of America has a history of charging various fees, including a monthly maintenance fee that can range from $4.95 to a higher amount, depending on the type of account and account activity.

Customers may also encounter ATM fees, which can cost $2.50 in the US and $5 outside of the US, excluding any ATM operator fees. Additionally, overdraft fees can be charged at $10 per item, and rush replacement cards can cost $15.

To minimize fees, it's essential to be aware of the fees associated with your account and take steps to avoid them, such as avoiding non-BofA ATMs, signing up for e-statements, and opting for overdraft protection if eligible.

Here are some common fees you might encounter with Bank of America:

Bank of America has a history of charging excessive fees, including overdraft fees. Customers were hit with repeat overdraft fees when their accounts were short on funds, a practice known as "double-dipping." In 2023, the Consumer Financial Protection Bureau took action against the bank, requiring it to refund $80.4 million in repeat non-sufficient fund fees collected since 2018.

To avoid these fees, it's essential to be aware of Bank of America's fee schedule. The bank lists all applicable fees and charges on its products and services. Here are some common fees to watch out for:

To minimize or avoid these fees, consider the following tips: avoid using non-BofA ATMs, sign up for e-statements, sign up for overdraft protection if eligible, and avoid rush card replacements unless it's urgent.

Bank of America's savings APY is below the national average, making it a less-than-ideal choice for growing your savings.

If you're looking to earn a decent return on your savings, you're probably better off with online banks and credit unions that often offer higher rates.

Bank of America's CD terms offer better yields, but be prepared for a lock-in period.

You might want to consider their CDs as a potential solution if you're already banking with Bank of America.

Account issues with Bank of America can be frustrating and confusing. Some customers have reported that their accounts are closed without explanation, even when they've funded the account and set up direct deposit.

BOA has been known to close accounts without notice, and in some cases, they won't even provide a reason for doing so. One customer received a letter stating that their account was closed, but the bank refused to explain why when they called to ask.

Customers who try to pay their credit card online may be met with a blank screen, a problem that's persisted for months in some cases.

Closing an account without explanation can be frustrating and confusing for customers. Some banks, like Bank of America, may close accounts without giving a reason, even when customers ask for an explanation.

BOA has been known to close accounts without warning, as seen in a recent case where a customer received a letter stating their account was closed. The bank's customer service representative refused to provide a reason for the account closure.

Customers who have their accounts closed without explanation may face delays in accessing their funds, as seen in the case of the BOA customer who had to wait 10-15 days for a check to be mailed. This can cause inconvenience and financial hardship.

It's essential to keep track of your account activity and contact the bank immediately if you notice any unusual transactions or account closures.

Some banks still send actual paper checks with bill pay, which can lead to delays if the USPS loses the payment.

You might be surprised to know that Bank of America is one of them, as seen in an experience shared by a customer.

Waiting on the phone can be frustrating, especially when you're already upset about a delayed payment.

A customer had to wait an hour and a half to speak to a person, only to encounter a thick accent and a muffled call.

This can be a major issue, especially when it comes to mortgage payments that need to be made on time.

The customer's experience highlights the importance of double-checking how your bank handles bill pay, especially if you're relying on it for timely payments.

Paying off your balance on the mobile app can be a frustrating experience, especially if the bank's system doesn't cooperate.

You may encounter issues like Bank of America's mobile app not giving you the option to pay your balance, instead directing you to call their customer service number.

This can lead to long wait times, as the caller may be greeted with a message saying "you are experiencing longer than normal wait times."

People are busy, and it's understandable, but the mobile app is supposed to save time, not add to it.

Credit card problems can be a real headache. Some customers have reported issues with online payments, where they're taken to a blank screen after trying to pay their credit card bill.

This has happened to at least one customer for 5 months, and they've had trouble getting a representative on the phone. It's frustrating to deal with a corporation that's not making it easy to resolve issues.

Bank of America has faced issues with unauthorized credit card transactions, which were allegedly caused by some employees trying to meet sales goals. This program was paused in July 2023, and affected customers have been reimbursed.

Bank of America's credit card fraud issues can be a real problem. I've been a customer since 2011 and had my card suspended due to fraud. I was told my digital world, including Google Wallet, would still work, but it's shutting down.

My additional cards are all shut down too, and I'm facing 10-20 days without access to my finances while I wait for a replacement card to arrive. If you're traveling and one card is compromised, your other cards will be shut down as well, leaving you stranded.

Fraudulent transactions have been reported at Bank of America, with some employees opening credit card accounts for customers without their permission. This was done to reach sales goals, but the program has been paused since July 2023.

To avoid being affected by BOA's credit card fraud issues, take proactive steps to safeguard your account by checking it regularly.

Paying online for your credit card can be a frustrating experience, especially if you're met with technical issues. Try to pay your credit card online and you're taken to a blank screen, like one customer experienced for 5 months.

The phone prompt won't give you a representative to help you with the issue, making it even more difficult to resolve the problem. This is exactly what happened to one customer who was dealing with Bank of America's credit card online payment system.

You might think that paying your credit card balance would be a straightforward process, but some customers have reported difficulties with the mobile app, including being unable to pay their balance. This is what happened to one customer who was trying to pay off their balance on the Bank of America mobile app.

The app is supposed to save time, but in reality, it seems to be causing more hassle than help. One customer reported being told to call the 1800 customer service number, only to be met with a message saying "you are experiencing longer than normal wait times." This is not what you want to hear when you're trying to pay your credit card balance.