Bank of America Complaints & Issues Report
Common problems, complaint channels, and how to fight back
📌 Quick Answer
Having issues with Bank of America? Difficulty score: 6/10 (Moderate difficulty). Be aware: Bank of America uses monthly maintenance fees and minimum balance requirements. Account closure requires phone or branch visit. Use Dispute Gremlin's free templates for a formal complaint.
🔴 Known Issues with Bank of America
- ⚠️ Monthly maintenance fees if minimum not met
- ⚠️ Overdraft fee accumulation
- ⚠️ Account closure requires call/visit
- ⚠️ Pending charges after closure
🎯 Bank of America's Retention Tactics
Bank of America uses monthly maintenance fees and minimum balance requirements. Account closure requires phone or branch visit.
📢 How to Complain About Bank of America
Email Support
Contact Bank of America via email. Keep records of all correspondence. 1-800-432-1000 or bankofamerica.com/contactus.
Formal Dispute Letter
Send a written complaint citing consumer protection laws. Our templates include FTC citations for Bank of America.
FTC Complaint
File at ftc.gov/complaint. The FTC tracks patterns and may take action against Bank of America.
CFPB Complaint
For financial issues with Bank of America, file at consumerfinance.gov. Companies must respond within 15 days.
Credit Card Chargeback
Under the Fair Credit Billing Act, dispute Bank of America charges with your card issuer within 60 days.
State Attorney General
File a complaint with your state AG office. They can investigate patterns of abuse by Bank of America.
❓ Bank of America Complaints FAQ
How do I file a complaint against Bank of America?
Start by contacting Bank of America directly via email or their support portal. If they don't resolve your issue, file complaints with the FTC (ftc.gov/complaint), CFPB (consumerfinance.gov), and your state attorney general.
Is it hard to resolve issues with Bank of America?
Difficulty score: 6/10 — Moderate difficulty. Bank of America uses monthly maintenance fees and minimum balance requirements. Account closure requires phone or branch visit.
Can I get a chargeback for Bank of America charges?
Yes — under the Fair Credit Billing Act, you can dispute unauthorized or unfair charges from Bank of America with your credit card company within 60 days of the statement date.
What are common problems with Bank of America?
Monthly maintenance fees if minimum not met. Overdraft fee accumulation. Account closure requires call/visit. Pending charges after closure.
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