Unless you want automation, you CAN NOT get a hold of anyone unless you schedule an appointment in the bank which is RARELY available for several days. I've been with BOA for over 20 years and am moving my personal and business accounts elsewhere. It is NOT about the customer. It is all about BOA. If you want bad customer service then use BOA
Bad customer service
Me and my fiancé came on Saturday April 15th to open a joint account. We wasted our time opening an account and deposit all our money in the account. We received our debit cards on Thursday that week (hey that's pretty quick). On Friday my fiancé tries to withdraw some money when the bank has told us that our account is closed and that they mailed us our checks. we just opened that account with all our money in it and they have closed it less than a week later. That was really frustrating! I called customer service to find out the reason, and the lady who answered me was very rude, she had a rude tone, and she was basically like a robot reading a script. I asked her for the reason, she simply said, there is no reason, we just decided to close the account for no reason at all. That really is upsetting because it doesn't make sense at all that there is no reason. Both of us have good credit, no criminal background. so what is it exactly? Discrimination? is very likely! so basically they dislike us, so we don't get an account with them.
The worst customer service I have ever come across!
On a daily basis I deal with a lot of different banks due to my job.
Simple task other banks perform within 15-20 minutes takes this bank HOURS! I am still on hold trying to solve the simple issue. I was transferred 7 times, put on hold 4 times. 2 hours later I'm nowhere near solving the problem.
Very Disappointed Mortgage Department
Had our Mortgage with BOA for over 10 years never missed a payment and all on time. Received an offer to refinance ansd contacted them, never got back to us. Called a second time and the same thing. Tried Quicken Loans to see how we would do with them and closed in 23 days. Paid off our BOA loan.
No follow up to a good customer,
Had a good relationship for a long time just recently they are terrible.
Ease of Use
Don't follow through with offers.
Beware- After 18 years closing all accounts
Became members 18 years ago. Had a home loan, then added a bank account and creditline eventually. Didn't have any major problems until my husband suddenly passed away. The deceased is given priority over the living spouse, despite the fact that the accounts are joint!! They WIPED OUT ALL the online bill pay DENYING me access to accounts, then refused to reinstate them online when I asked! Being the surviving spouse made no difference to them. As Bank of America was our main financial institution, it has been detrimental & a nightmare. I'm closing all accounts & will NEVER do business with them again!! Customer service isn't important to them.
When the associate says "we can't do that" I lose it. They aren't very helpful.
Had a checking account with online bill pay, then added a home loan and eventually a personal creditline.
Ease of Use
The online bill pay was wonderful until that was taken away.
A backhanded way to commit theft from hardworking people
The tellers at the bank are always friendly and nothing but helpful. The online banking is great and easy to use. The telephone customer service is terrible. It consists of people that can't be understood and have no people skills whatsoever. The fee structure makes no sense. They charge overdraft fees when your account still has money in it and the monthly fees are a little excessive.
In-store service is excellent. Beyond that, it's one of the worst I've ever dealt with. They steal money and charge you overdraft fees for no reason and when you call to get them refunded you it takes an hour and 6 different people before you accomplish anything. It is one of the most frustrating experiences of my life.
They offer a variety of services that can meet the needs of almost anyone. Loans, checking accounts, and credit cards. You can apply online or in person.
Ease of Use
The online banking is awesome. You can do everything you need and it's easy. Everything is quite visible and easy to find.
Okay for a bank, but fees kept going up and interest rates down.
I was okay with them at first, but then they started increasing fees, making it harder to keep the accounts 'free'. I know that fees and interest are how banks make their money, but when you can sign up with a local bank or credit union and not have those things, then it makes the case to pay for accounts with a national bank harder to justify.
They basically discontinued their 'free' line of accounts.
Ease of Use
They do have a nice website.
Had no trouble
I have been using Bank of America for over three years now with a student account because I am in college. I have had no trouble with calling into customer service and they answering my questions and concerns. They handled disputing charges in a kind manner with no hesitation to answer my questions.
Customer service has been prompt and nice. Haven't had a rude customer service agent.
They provided me with the options of different bank accounts and credit cards. They showed me which one was best for me. They offered me different services that students use such as a student bank account and once I had that account about a year, I went in and they showed me what kind of credit cards were available to students.
Ease of Use
In every state I go there is a Bank of America ATM. I also like when you purchase things online that they have a Bank of America authenticity service. I love the new way the ATM works. All you do is stick your card in and they give it right back to you. No more card getting stuck into the machine.
This bank has got me thinking twice.
I am a new customer to this bank and although I have not had much experiences with them, I am already starting to ask myself why I did not check out other banks. Their protocols are just too much. If you are not a student and you want to open a checking account, there are conditions. If you cannot keep 1500dollars in the account every month, they will deduct 12dollars by month end. If it is a savings account you want, there has to be 300dollars there every month. I just feel bad because people with little source of income do not have a suitable type of account to help them manage the little they have without money being deducted monthly. If this could change, I will love the bank with all my heart.
I have not had any problem that would require attention from them so I do not know about their customer service.
Ease of Use
The few times I have been there to make transactions have been easy. Their ATM machines are easily accessible.
just not very competitive
Bank of America really lags behind in terms of its development of a really high quality online trading platform. The fees are high and you do not get any level of increased customer service due to these high fees. The options available to traders are not great in terms of quality of variety. Possibly this is better for really large investors, but this is not the service for small to mid level investors.