premise: Bank of America withholds products and services.
hypothesis: Bank of America Corporation ( abbreviated as BofA ) is a multinational banking and financial services corporation headquartered in Charlotte , North Carolina . Its acquisition of Merrill Lynch in 2008 made it the world 's largest wealth management corporation and a major player in the investment banking market . It has a retail banking footprint that serves approximately 46 million consumer and small business relationships at 4,600 banking centers and 15,900 automated teller machines ( ATMs ) . Bank of America provides its products and services through 4,600 retail financial centers , approximately 15,900 automated teller machines , call centers , and online and mobile banking platforms . Its Consumer Real Estate Services segment offers consumer real estate products comprising fixed and adjustable-rate first-lien mortgage loans for home purchase and refinancing needs , home equity lines of credit , and home equity loans .