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Is this financial institution a complete joke? Should others be concerned that this financial institution is not backed by the FDIC? Can we assume that this financial institution is purposely ripping off its customers to make money in this troubling economic time? This bank has systematically drain my accounts over the course of three months for no reason per hidden overdraft protection fees and other hidden payment systems that they do not tell their customers about. This bank is easily compromised through security and for that reason alone I do not trust anything this bank has to offer in the least and if I were you I would take all your money out of it immediately. Bank of the West has made my quality-of-life exponentially worse in less than five months of having this Bank. If you are considering Bank of the West please use another-federally backed- financial institution.


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I opened an account with Bank of the West because they were offering a $250 sign up bonus after 90 days with direct deposit and because I was taking a trip to Mexico and I was told that to buy Pesos I would be charged the current days mid-market exchange rate plus an additional $17 for processing and delivery. Then on the day I went to order them they overcharged me by about $130. Then, when in Mexico I tried to establish a transfer from my prior account with another bank to the BOTW account. It was flagged as fraud and my account was frozen because of the Mexico IP address. 


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I went online to my account, it said I was locked out. I had them send me a code. It said wrong code, resend. I had them resend the code. Again, it said wrong code. I called the 800 number. I was on hold for 30 minutes. When she finally answered, I asked her if we were disconnected would she call me back. She said, "No, we don't have that ability." Then she tells me she would have to transfer you to online services. The message came on saying the wait is 60 minutes. I had to hang up because I had to leave. I called back this afternoon, after waiting over an hour on hold a voice came on saying sorry we cannot help you, call back. UGH Worst customer service ever!!!!


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Rude for sure! After speaking with someone about a late payment to let them know I made it online I asked a question regarding the posting of that payment so calls would stop and lady said, "I just explained all that to you so have a nice day or evening wherever you are!" Wow I just needed clarification because the call was breaking up lady! I will be so thankful when this loan is paid off and will never use this bank again!


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I wish I read reviews before I opened account with them. Bottom line, please stay away from them. I cannot access my account. I cannot get money transferred out. As others mentioned I was on hold for hours and not much help you get there either. You need to go to branch. The teller in branch is so useless and they have to call in and not able to assist you at all. This was my experience as of March 24, 2022. For your own sake please stay away from them.


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I had problems from day 1. This is absolutely the worst bank. Who is the CEO. Please hire more employees. I don't want 45--60, min wait when I call to inquire about my money. Do it right or don't do it at all. When you have a scheduled transfer don't deviate. My is are so unreal. I was disappointed With the banking commission. CEO should be ashamed of the work. Automated call distribution manage your service level. We don't care about clients you won't finance. I got solution. Hire me as CEO. I will elevate this bank to 1rillion in assets inside 5 years. This most recent issue started with external transfer initiated on March 16th 2022. Spoke to rep Friday March 18th lied. Said it would arrive on monday March 21st. It Did not. Branch manager he lied. Said back office is processing by midnight meanwhile the date of arrival 03/23/22. Why the jet eye mind trick. Be honest with your customers..something Bank of the West needs to practices.


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I just paid off my Bank of the West Home credit line I've had for approximately 5 years or so out of escrow from a new loan I took out on my home. B of the West although paid by wire in full on the first of Feb, failed to record the payoff and continued to call me that the loan was past due. Weeks of this went by without them recording the payoff and they continued to call and mail me.


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We had a commercial loan with them and when the term was coming up, we didn't receive a single notice about it or asked if we wanted to refinance. Out of the blue, we get a letter stating the FULL BALANCE of the loan was due. We were on monthly autopay this whole time so wasn't expecting this at all. Then after receiving the notice, we get a call from the bank asking if we wanted to refinance. A bit late since they were already planning to charge us huge late fees! All the paperwork to refinance would take weeks or months while the interest and late fees keep adding on. Luckily, we had enough to pay off the loan. If we didn't, Bank of the West would have caused us financial ruin.


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I would never do business again with this bank. They are very incompetent and their customer service is terrible. I bought an RV with a loan from them in November of 2020. I paid off the loan in May of 2021 but I never got the plates and title. Every time I called they said they were working okay. In December of 2021 after calling every month about it they said they could not get it done and they sent me all the paperwork for me to handle it. I did at that time registered it in a different state. It took multiple calls and talking to different people for them to understand that I was owed money to my name from the tax and title fees. They kept telling me I had to find out from Essex (it looks like they bought that bank and they handle the RV loans from them). They made me call them and of course they said I had to talk to Bank of the West not them. 


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I got two letters from them that I was preapproved for their credit card. I applied and later got a refused letter from them. Told me the reason is "Unable to Verify Identity of Applicant" with a report of my credit score over 800. How they got my credit score without having my identity? I called the number on the refusing letter, could not get through for choosing the options were told on the phone. I called the number on the preapproved letter that was credit department. They could not gave me a reason and transferred me to a different department which was not related. This department told me they would transfer me to the related department then the line was cut off.


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Having great credit I signed for a 20 years RV loan at 7.5%. It has been 14 years and after paying my normal payment every month I'm told, "We never received your payment." After telling several people that I made my payment it was deducted from my checking account on Jan 19th. I sent them proof of payment last week because the email that was given to me couldn't be delivered after several attempts. What is wrong with you people???


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I don't recommend this bank to anyone. I had someone send me money on Zelle and it was sent to Bank of the West and they can't find the money and when you call customer service you're on hold for hours and I mean that literally hours I hung up to call right back got a rep that opens new accounts. But she couldn't help me like you would think if ya'll need help In that area they would help but no. I got placed back on hold. Oh and I can't access my account and no one can tell me why. Worse mistake opening a account w/ these folks. Waste of time and money because when you need help you damn sure won't get it. I repeat do not use Bank of the West.


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Let me start with some background. I live in Wyoming, small town. They closed the branch where I live as well as the branch that I opened my account at. I had an account that I forgot about, small $185.00 Savings Acct. so I received a letter stating I needed to make a deposit or close the account (in so many words). So... I call the corporate 800 number to close the account. Now mind you, like millions of others I work all week so time is kind of limited. Day 1, I call and wait for 42 minutes for someone to answer before I need to hang up to attend to my job. Day 2, I call back, wait for 26 min. before again, I need to hang up to attend to my job, I call a second time that day on my 30 min. lunch, on hold for 31 min., no one answers, I need to hang up to attend to my job.


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I hate this bank. Worst customer service, I’ve been trying to register my trailer for the past 6 months! And they haven’t released the paperwork to the DMV. Wait lines to speak to someone are way too long. Find another bank. I bet if I stopped making payments they would call me in a heartbeat. Ridiculous that I’ve been dealing with this for so long.


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I went to my local branch to close my accounts, which took over an hour. I requested a written letter stating that I closed my account. They thought it was as a silly idea and told me not to worry that my account would close the next business day. It has been 2 weeks and my accounts are still open. I have written two letters to customer service through the app with no response and have tried to call, but am on hold until it finally rings only to be greeted by silence and then I am hung up on. I really do not know what to do at this point. Bank of the West is holding me hostage. Soon I will be charged for no active deposits. If you complain using social media they just block you and do not help.


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And it's steadily gone downhill. Initially it was a smallish regional bank with great customer service, convenient locations, and low to no fees. They were my choice for my first credit card and then my very first mortgage. Then they got bought up by an international bank and that's when things started to go south. First it was little things like increased fees on what used to be "free" checking. Then longer wait times for telephone support. Then reduced hours and closed locations. Lots of little annoyances that added up to a poor experience.


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Terrible. My husband and I have been with them since 18 for business/personal. Rose at the Holbrook, AZ branch is the only reason we have stayed this long She is GREAT, deserves a BIG raise. Every other part of the bank is useless. $9 to use an ATM that isn't theirs but guess what- they have 1 branch in a 4 hr radius. $12 monthly fee. And my absolute favorite banking feature is that they LOVE to your turn your cards off for suspected fraud for the most minuscule things. Tried to send my sister in law a small sum of money ($50), fraud. Went on an outdoor day trip with my kids 3 hrs away where phone service is minimal, fraud. Spent 5 HOURS on the phone that day trying to get my cards back on while running out of gas in an area I wasn't familiar with. Alternating between turning car on and off because... it is 100 degree SUMMER in Arizona and I had 4 children under 10 in the car. 


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Terrible, sexist management. I thought that because this bank was headed by a female CEO it might be different. Not so. First, the manager canceled my first scheduled appointment to eat his lunch in the conference room. (I could clearly see him through the glass). Then the manager actually questioned whether or not I as a single mother could open a child savings account with my surname. After setting up the account, he actually wrote me to ask me to re-prove she had my surname with a birth certificate. Oh, and this was after we had had a tedious hour-long appointment in which had been told my entire employment history as a Ph.D. professional and all my financial history as an independent woman who owns her own house. Even so, he wrote me the next day as Mrs.


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I paid my automobile loan off over a month and a half ago and still have not received my title. I tried to call and got disconnected 3 times then was on hold for over a half hour before I hung up. Still trying to find a way to contact someone. Since my loan is paid off, I no longer can access any information I need to try to get through the options faster.


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AVOID THIS BANK!!!! They don't care about their customers, their wait hold times for a customer "service" rep are absolutely outrageous - almost an hour every time!!!, They aren't FDIC insured or back by any federal reserve and they WILL in fact charge you any fees anywhere they can. With all the wonderful online only banks available today who do NOT charge any fees whatsoever there is no longer ANY reason to deal with this corporation!


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No option available to customers to pay more on auto pay; it's either the minimum or last statement balance. We want to pay more than the minimum due. BoW is QUICK to take your money but extremely slow to respond to emails or phone. Additionally, 823 credit score and $500 limit!! 4 other cards we have, all 4 are well over $35K limit each. 2 have 0 balance.


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BEWARE, Bank of the West has ABSOLUTELY NO CUSTOMER SERVICE WHATSOEVER! THE WAIT TIMES ARE RIDICULOUS and if you do get through there are scripted answers to your questions. Good luck getting a title issued if you pay off a loan. HORRIBLE BANK TO DEAL WITH!!! Will NEVER go near them and if you are smart, you never will either.


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Last week I made a deposit in person with the teller at the Beverly Hills Branch: the bank itself looks like a dark studio set in a scary movie; across the Hall from Citibank… The employees working there are demure, uninviting… If the ATM was working I’d never enter the branch… Yesterday I was on hold for 50 minutes trying to talk with a rep about a $35 charge to my account: I was explained that was an error and as a courtesy the charge would be reimbursed. I did not write a check, nor should an erroneous charge be “courtesy return”… best part is the employee on the other end started to cry…? Bank of the West seems to have an unbelievable amount of 1star ratings - it’s actually shocking! Stealing money from your entrusted consumers is not acceptable… (no, so far the missing $35 have not been returned).


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IMPOSSIBLE TO GET CASH BACK AT $25, ARDUOUS AT BEST and they don't honor the category promised at the 3% level of reimbursement....Also getting the cash back is a joke. It's has to be ordered via outside vendor....BEWARE OF THIS BANK CARD


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We have a 5th wheel trailer financed through them and it is horrible. Your monthly payment goes to interest and hardly anything to principal! Don't ever use them for a loan. We will never pay this off!


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This company has a real problem with access. My online service wouldn't allow me access. I called the phone tree and was put on hold for 40 minutes until I just hung up. I called my local bank and they just connected me back to the phone tree, where I sat on hold for 30 minutes until they told me that I would have to call back before 5:00 tomorrow because this is a business account. I can't get help from them by phone, computer or in person. We are talking about MY money. I need professionals. Time to switch. NOTE TO NEW CUSTOMERS.... RUN.


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I opened a checking account on a Wednesday and had to wait until Monday for my enrollment to complete in online banking. I tried calling on Friday but hung up after being on hold for 90 minutes. Called Saturday morning and was on hold for 9 minutes. They need a call back option if the wait time is more than 3 minutes. Agent sounded extremely weary, like he'd been yelled endlessly by angry customers but he told me right away I would get an email by Monday at the latest to confirm my enrollment. I got two emails on Monday, 1st to confirm my enrollment and an hour later to apologize for not being able to enroll me (?). Webpage & Mobile app likewise gave me conflicting messages. They're a lot better than Citi. (I couldn't log in to Citi webpage & mobile app for 18 months until a year ago)


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Wait times to talk to someone are so long one finally gives up. That has to be their plan. I spent literally hours yesterday trying to talk to someone. After hours of waiting, the woman said she would have to transfer me. She did so & no one ever answered. I have never dealt with a worse financial institution in my life. I have accounts with a bank and two credit unions all have great customer service. As I write this review I have been on hold for 45 minutes. Still no end in sight. I will pay off this loan early & never deal with this bank again.


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Do yourself a favor and find another bank to deal with. I have called and left seven messages with the person handling the loan (Ken). I’ve also left two messages with two different supervisors. It’s been two weeks and I haven’t had a single person ever call me back. Maybe if I was borrowing $1 million they would call me but maybe my $75,000 is just not enough for them to want to help me. They will absolutely not call you back and by far have to be the slowest bank I have ever dealt with in my life. It took nine days to approve a loan with a great credit score. By the time the loan was approved the seller grew impatient and sold the boat to someone else Which I can’t blame him because I wouldn’t wait nine days either. So thanks to Bank of the West for me losing out on something we have been wanting for over seven months and searching high and low to find.


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The overall experience if you need to communicate with BOW for any reason is just atrocious. I paid off a Jet ski loan and was told it would take 7-10 business days for them to get the electronic lien release for the title, that took 85 minutes of hold time to get that answer. Day 10 I call to check on the status and now the time frame is at least 10 days, that was two on-hold times of 35 minutes and 45 minutes then I am suppose to call a different number. Day 12 they blame it on the state. There is more but it just reinforces what I said in the beginning, absolutely terrible customers service and almost impossible to contact. Never Again!!!!


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My husband and I purchased an RV, the initial process was slow and the contact person would not answer calls or emails. We finally got the paperwork and go ahead to purchase the RV after weeks of delay. Long story short it has been almost a year since we bought the RV, we still do not have any title papers, license plates or registration with California DMV. This is a process that was to be handled by the bank. When I tried to contact their Nebraska office that handles RV registrations I had to leave numerous messages and emails were never returned. Of course they always try to blames it on COVID. But please!! A year later and we are still working on this. DO NOT use this bank for an RV loan.


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Worst bank ever! Incompetent loan officers, impossible to communicate with and at age 71 and an 800+ credit score, an RV loan with huge down payment shouldn't be any problem. Unfortunately, that was not the case. Avoid this business unless you have NO OTHER CHOICE!


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I have been a customer personally and through my business for approximately 22 years. I have endured many mistakes such as the most recent $150,000 bank error. Managers failing to properly close accounts and hours on hold trying to find out what is happening with my account. Yet I decided to apply for a HELOC loan with BOW because I had been with them 22 years. I have excellent credit, a high excellent fico score, minimal debt (car loan just to keep credit up), cash and assets. I applied for 37% of the low end value of my home. After countless requests for information they already had, being sent packets requesting signatures and legal documents that later I was told to dispose of they finally called me with a counter offer. We were being offered 3.1% of our home value. I am insulted, outraged and quite disturbed.


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I recently paid off my RV loan with Bank of the West. As soon as they received the payoff, they killed my online account. Wondering what happened to my RV title after the loan was paid off, I have been attempting to contact someone with a heart-beat to determine where they sent my RV title. For over two weeks now I have been trying to contact Bank of the West Customer Service for this issue. My god, what a stupid company. It seems like they do EVERYTHING they can to avoid talking to you. This starts out with one of the most onerous computerized phone trees I have ever experienced. Once you navigate their phone tree, you are put on hold for hours with no one ever answering your call. They have NO email customer support, no chat customer support, only their ridiculous telephone system that nobody ever answers. Never again. I will never do business with Bank of the west again. EVER!


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I bought a RV in December of 2020 and had no say in who financed it. This is the worst bank I have ever dealt with. I paid the loan off in early March, 2021. They received payment but held the check and charged interest for the days they had the check. I overpaid and figured like most reputable institutions I would receive a refund. They finally sent my refund the middle of April but kept all but $6.50 of my money. I don't believe this is legal, the date the payment is received is the date the interest should stop not when they get around to processing it. NEVER doing business with BANK OF THE WEST again, as far as I am concerned they stole money from me.


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Our car loan was paid off 2 weeks ago. Our buyer is still waiting on car title. Repeated phone calls several days over an hour each... Today one hour 53 minutes so far!! Cannot speak to anyone at this joke. Impossible to reach even online. Will NEVER, EVER do business with this company again. Eventually, they hang up on you. Does not say anything good about their company, their high interest rates, or California in general.


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BANK OF THE WEST CHARGES YOU .50 JUST TO CHECK YOUR BALANCE AT ANY OTHER ATM yet, theirs are down. I closed my Savings account, because they were charging me TO HAVE IT! I withdrew all of my Savings and switched to Veridian because they actually PAY ME to use my money. Stay away from Bank Of The West, they are getting as bad as Bank Of America. I have been with BOW for over 20 years.


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I have been trying to get a loan through Essex and it is like I am bothering them to do business. That's if you're able to even get someone to answer or respond to emails. I am currently on hold now for 58min waiting to cancel the approved loan. Jim ** was my agent and he has no desire to help his customers. He is in the wrong business. I asked customer service if I could swap agents and they wouldn't allow it... I have swapped over to New Coast Financial Services and what a breath of fresh air. Samantha is taking care of everything! Please don't waste your time with Essex or Bank of the West.


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The Bank of the West has not completed DMV paperwork and I have not been able to use my trailer I bought for 8 months. I have called the bank over 35 times and on hold for over 40 hours and hung up on over 11 times. The DMV paperwork is still not completed.


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Bank of the West charged me a $35 overdraft fee caused by their system error. When I contacted them, Bank of the West tried to cover up their mistake by claiming the $35 fee is a service cancellation fee caused by my operation to cancel a transaction. They insisted that I clicked the "cancel payment" button in my account so I should be responsible for that charge. But I never clicked that button, and my online banking message clearly states that the $35 is an overdraft fee, not a cancellation fee. Then Bank of the West threatened to close my online banking account for security reasons because "if I did not click the stop payment button, some hacker did." In short, the Bank of the West lied, insulted, and threatened a customer for a $35 fee caused by the bank's mistake.


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Do not consider for one fraction of a second conducting business with this so called bank. This "Bank" is a joke. Sadly the joke is on you, the customer. You'll have endless issues with these incompetent, careless and reckless people. They NEVER answer calls or return email correspondence, hold time in excess of 1.5 hours is the norm with this joke of a bank.


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Playing games such as website difficulties, website down, so that you can't pay your bills then it goes to the weekend. So then you have to call on Monday to pay the bill and they charge you interest for their scam on those down days. This happens repeatedly and this is just one way they take your monies. In the five years I have been with them the interest on the loan has not changed and when repeatedly asking them for a amortization schedule they continue to deny me one. I am paid up seven years ahead of time on a 15 yr note. Need to find others and put in a Class Action Lawsuit against them and sue them! Few other issues as well placed using the Better Business Bureau and have shown the BBB their caught red handed lying. I'm sure others have faced others scams from them as well!


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I have interviewed 2 financial services and found BOW to offer more options and higher earnings in their portfolios. Their personalized service helped me to understand the whole process better. My advisor took the time I needed to understand the difference between their product and others. The only concern I have is they don’t have much data on their ethical portfolios.


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I've been a client for far too long due to laziness. This bank has so many fees. It's ridiculous. They make account changes and then you receive a letter 5 or more days after. I don't know why anyone would bank here. I'll be finding a new online bank that takes care of business properly.


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I called Bank of the West to inquire on how to close out an account. I was on hold for 51 minutes, then the phone system disconnected me! Prior to doing so, a recorded message came on that said "We are experiencing difficulties, goodbye." I have screenshot of recorded call from my Ooma dashboard, if this will let me post a picture.


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DO NOT GET THEIR CREDIT CARDS. 15 days to post payments, 3 days to post charges, $500 credit limit, and they expect you to spend $1500 in 90 days to get intro bonus. My credit score is 800 and they only give me $500 credit limit. Do the math, not worth it. Please do not expand their customer base.


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I have had nothing but trouble with this company. I have only had this loan for a few months. You can never reach a real person, payments will say they can't process online or through the app and will still be taken out of your account but with no payment confirmation, they say they have to refund through a mailed check over a several week period instead of refunding the money to the bank account it came from which they refuse to mail out before a one week waiting period. There is always some problem with paying online and every representative you talk to will have different information that doesn't match what the last person said. Their APR is unusually high. They will sign you up for automatic payments without permission. I thought Bank of America was bad but this place is the absolute worst. I plan to refinance as soon as humanly possible to escape. Don't make my mistake.


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This bank prefers mail in claims which take up to 30 days to process. Very frustrating because we are in a fast pace technology driven society so when your money is held up because of paper mail it’s sad.


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I had an RV loan with this company for 12 years. During the great recession, I lost my home and asked them for temporary assistance with my loan. They refused any assistance and were extremely difficult to get through to (no email, no chat option, long phone wait times, bad fax numbers). When I finally paid off this loan, my auto payment sent an additional payment of $1800 dollars of overpayment. This payment was deposited and never refunded.


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Bank of the West keeps saying I owe them money on my loan but I have made every payment on time and then some. I have all the receipts and have even sent them to them but they never credit my account and it shows on my end they cashed them. I have tried to make online payments and they have don't go through. I tried to set up automatic withdraw and they said I can't do it with my bank but then randomly pull the money out. They have destroyed my credit even though I have made every payment on time and I can prove it but no one will investigate it. I call every day and get told someone will call me or they are looking into it but nothing ever happens. Most incompetent and unprofessional bank.


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Recently I noticed that every time when I make a phone call to take care of an issue the operators have very bad customer service. They have an attitude on the phone; simple things like changing a pin they take 45 minutes to do. Then they couldn’t figure out how to do it. Until I decided to basically tell them I’ll just do it myself on the self-help automatic phone system. I don’t know what it is but they seemed to really be good at first but not anymore. The bad attitude over the phone and the over the phone customer service is not very good anymore.


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I paid off my loan early by 1 year and I was never more a few day past my payment date so they added 25.00 every time. Well they put this money into a special employee savings account. At the end of your loan you have to pay every 25.00 that was add into this account before they release your title. They never tell you this until the loan is paid in full.


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I have a lease with Bank of the West for my 2016 FORD F-150, I have not been able to re-register it here in the state of Kentucky, not due to any fault of my own, Bank of the West has failed to renew paperwork with the state and pay back fees due to the state not related to my truck. So now the state of Kentucky has put a block on any renewals with any leases with The Bank of the West, I have spoken to a AVP with the bank with no results, and now she refuses to return any of my calls. So I have paid off the lease, and the residual via an ACH payment and they claim I have not, so now they have 31k of mine and not applied it to the lease and the residual and send me the title so I can transfer it to me and register it. Never again will I do business with this bank.


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Goal: I wanted to open an account with a bank that had a local branch. Week 1. I went in person to the local branch to open the account on a Saturday. The banker advised me it would be quick and easy to open it on-line. Later that day, I used the on-line application process. At the end of the process, I received a pop-up that stated it would take 3-5 days to verify my identity. So, not quick. On Thursday I received a brief e-mail stating additional information was required and a link was provided. The link took me to a webpage that did not ask for any information or indicate anything was needed. So, not easy.


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I have a loan with this bank for my motorhome. I had no choice in the matter. I immediately set up auto pay. No problem. UNTIL I wanted to send more $$ and have it applied to the principle. Well, shame on me for going to the website and setting up this second monthly payment. Guess what? It IS NOT being applied to the principal. And I am unable to cancel future second payments via the website. It is not even visible in my account info. So I sent a message via the website to resolve this. It takes 4 days to get a response. Guess what? I MUST call to resolve. The wait time for a call to this bank is ALWAYS in excess of 40 minutes, often longer!! I've tried different days of the week, and different times of day. So here I am on hold (going on 30 minutes). DO NOT DO BUSINESS WITH THIS BANK! The website is antiquated, worthless, and customer service is non-existent.


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I purchased a travel trailer back in October 2019. Upon purchasing the trailer the finance personnel used Bank of the West in Calameda, CA. After reviewing my account I discovered that their finance charge rate was way higher than what I could get at any bank so I opened a line of credit at a local bank that was way lower so I arranged to pay off my loan of almost $27K. After reviewing my balance I noticed that the payoff wasn't posted yet and it had been over a week. I tried repeatedly to contact someone at the bank to find out when my payoff would be posted however that was a lost cause as there is always a long wait time of at least 45 minutes or longer.


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The bankers are very good, honest people you can work with and trust with your money. I have multiple accounts with the bank. Online banking is excellent. Financed my mortgage through them. It was done well and timely.


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This is the best bank I have ever used! Not even one time have they messed up in all the years I have had my account. Customer service is really good and they don't fool around getting you what you need right away. Before BotW I had ridiculous problems with other banks with stupid policies used that didn't make sense. I highly recommend Bank of the West! Do yourself a favor and switch to Bank for West and relax. They're looking out for you.


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Last week, I attempted to open a checking and savings account online at Bank of the West. I decided to go the online route rather than stop into a branch to maintain social distancing during the pandemic and I also figured it would save me some time. WOW, was I wrong about saving time. I filled out the online forms, everything looks good. I fund my account using my debit card from an existing checking account. Perfect. I go to the last step and I'm under "extended review". That's fine, I appreciate extra security and I assume it's because I have a PO Box as a a mailing address. 


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I applied for a boat loan with BoatUS, and they passed it on to Essex Credit, a division of Bank of the West. This has been the worst customer service experience I've ever had. BoatUS just told me that they no longer deal with this bank, which didn't surprise me. While the loan was being processed, I needed to constantly follow up, with multiple emails or phone messages, to even get a response. Now, the loan is complete, and I'm making payments, but I've been waiting for over 5 weeks to get the registration and title. I've been calling and emailing, and can't get any answers. I would never recommend this bank to anyone. In fact, I'm looking into changing my loan to another bank if possible.


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I attempted to sign up for an account online, everything was fine and legit, and didn't think twice about anything. Then I get a notice that my application has been sent for an extended review. Then I get a notice that they need more documentation and will essentially accept any document from a third-party that is addressed to my new address. So I go ahead and scan and submit that documentation. Then get another email saying that that document is not sufficient and that they need another document. Now normally I would accept this kind of bureaucratic b.s. except that I already had another local/regional bank already accept my documents and open an account for me. And I also rec'd a thank you and welcome letter from that bank. 


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I had a loan with Bank of the West since 2015. The loan I had was for a travel trailer. I have good credit and always pay my bills on time, I never made a late payment and never had a reason to contact them before now. I recently paid this loan off so I could sell the camper. They received the payment on July 3rd. I can no longer access my account online. I have called 5 times (with each wait time of a minimum 45 minutes) to see when I can get this loan to show as paid so the people who want to buy the camper can transfer the title. I have been told different time frames every time I call. I was told they would fax me a payoff letter that I never received. The next time I called they emailed me a payoff letter that was not on company letterhead.


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Worst customer service I have ever had with any company EVER! I actually created an acct with Consumer Affairs just to write this review. After getting a travel trailer loan and having to have a constant balance in checking and savings acct I did not need in order to avoid penalties, I finally paid off the loan and wanted to get my trailer title and close out the accts. I am getting NO response to online customer support cases after 10 days! No confirmation of when trailer title will be sent even though I have confirmed through their automated process that it's paid off 10 days ago. Several dropped calls on their 800 number trying to get to an agent, and every call attempt stating longer than 30 min wait times due to high call volumes no matter when you try to call. Avoid this banking company at all costs!!!!


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The absolute worst company to work with. Lack of communication, pride in their work and BS reason why they stopped our equity line quest. Even though we make $175,000 year made us feel small/inadequate.


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I called Bank of the West for debit card access being denied. I called once and gave information to satisfy security for the customer service agent. She told me she reset the card and I should have access debit card. She also informed me the bank was having technical issues with debit cards. The reset did not work. I called back within five minutes. The agent was rude and harassed me to the point of me requesting a supervisor. I gave two transactions for security she request to the cent and day the transaction. They worked just fine with the first call agent I spoke with who reset my card. This agent stated my information was not acceptable. Let’s review. I gave my account number, social security last four digits, all my account information, two transactions to the penny, and day. I gave her more information related to other accounts I had as well. She was clear I had not given her adequate information for her to access my account. 


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Almost 2 months ago I made a payment online by mistake. It was supposed for other bank but instead I made a payment to BOTW. I called BOTW the next day since it was late at night. The Rep said he took care of it. I waited for a week and I called BOTW back & a Rep said nobody had done anything. And then she said she took care of it. I called back again after 10 days because I hadn’t got my money back. And to make it short I called them 7 times total and I still haven’t got my money back.


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I took out an installment loan with this bank and learned my first additional principal payment was held up for 3 weeks. When I called to inquire what the hold up was, I was advised their Alameda location was behind but I could expect my payment to clear within another week. I was hoping to reduce my interest payment on my loan by paying additional principal so the delay raised the first red flag about this institution. I have since used their Pay by Phone feature as their online payment system does not include an option for additional principal but this hasn't been easy to accomplish. 


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Got a junk mail with their offer, went on their website to see what it looks like and the very 1st page prompting for my SSN doesn't even use masking techniques to hide my typed SSD. You are amateurs and should be out of business, period. I'll take my money elsewhere!


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The thing I look for in a bank is: Customer service, monthly fees and location. I have no monthly fees which is the only thing keeping me there right now. But I am starting to look around. For the last 11-12 years, I have a 25-30 minute drive to go to the bank, but have been there for about 20 years so that’s fine. However, Customer service is terrible. Oh they tell you all the time how great their customer service is.... but you just don’t see it. It is almost like if they keep telling you over and over how great they are you will believe it.


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We bank at the Bank of the West in Coralville Iowa and I wanted to open an additional savings account with cash from Christmas. First the staff asked me to come back tomorrow then the manager treated me like I was a new Bank of the West customer requiring my ID and credit card as proof of ID. Then he asked me if I am a citizen and if I wad born in the US. I am not even Hispanic. This man treated me like an illegal alien simply because I have dark brown hair. To make matters worse we are in a diverse area compared the the rest of Iowa. We also have an indian reservation nearby which would put all the indian population in my situation.


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On 2/15 I opened an account online. I transferred money into both checking and savings accounts electronically. Those funds were put on hold for several days. New account, understandable. After waiting for a week and not receiving a debit card I called and asked what the status was. The guy on the phone told me the generic “cards can take up to 10 business days.”  In my experience with other banks and credit cards it has always been 2-3 days max. I asked if I could go into the branch and have a card made at the branch like all other banks do. He told me that I could not.


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I purchased a car in 2016 using Bank of the West auto loan and I have had nothing but headaches using them ever since. I should have refinance out of that bank immediately once I knew of their unfair practices. As a young naive person, I didn’t care much about credit and did not pay close attention to my credit profile and credit reports. 


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We bank at a few different banks. Bank of the West has long been my least favorite for a few reasons.


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I have been a loyal customer of Bank Of The West for over 30 years. I was told to stay away from the large banks because they are predatory and will use bait and switch tactics on you. Bank of The West was just right, not too small, not to large. Transactions have always been easy, and customer service had always been top-notch. Bank Of The West, has a credit line that you pay $25 dollars for to use as a overdraft account if needed. This is called a "Gold Line" account. This was great since I work for the State of California, I only get paid once a month, and I don't need to move money over from my savings account every day for purchases while using my debit card. 


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I’ve been with Bank of the West since my high school days. I’m mad that it took me this long to realize what a crap bank this is! I’ve been calling mobile banking for an entire month regarding a Zelle payment that was deposited into my bank account and then wiped out as if I never received it, although it was still in my zelle past transactions as if I had still had it. Every time I called mobile banking they told me that they’ve never seen anything like it and that they were opening a ticket with zelle and “investigating” the transaction. Most of the mobile banking representatives I spoke to were nice but they never had an answer as to what happened to my money. Finally the last guy I spoke to was by far the worst. He made me feel like a liar and like I was the one who had to figure out what happened to my money. He spoke over me like a child and didn’t let me get a word in until I finally just had enough and hung up.


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I purchased a trailer from La Mesa RV, Sanford, Fl and they financed it thru Bank of The West. Calling this bank to get a payoff is the worst experience I have "ever" had in trying to get someone online, you have to go thru an enormous number of "click this if you want this" and if you are lucky enough to get someone they are rude, none caring, abusive to a fault and apt to hang up on you with no concern of helping. I have never dealt with any lending institution that has a "I don't care attitude." Worst bank and La Mesa of Sanford should be ashamed for using such a bank but no doubt they get a kickback so probably don't care.


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Bank of the West is a trusted institution with great CD rates over the years. I have two checking accounts with Gold Lines of credit. I love that I can write a check, for an amount over what I actually have in my account and instead of it bouncing Bank of the West covers the checchi (purchase) and it's not considered overdrawn; it's automatically drawn out of the Guild Line.  It used to be $2 transaction fee but I think now it's $6, last time I checked. Then I pay interest on the amount. It has been a LIFE SAVER for me. Thank you Bank of the West. Another perk, is that they have several drive through branches SJ Ca. They've been closing the drive-throughs which is difficult when you're disabled. Please don't close them!!!


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I’m not sure what it is with Bank of The West but this by far is the worst banking experience I’ve had. For some reason they are constantly letting charges go through 2, 3 or even 4 times for things I’ve never had issues with before I switched to these guys. They also flag random purchases so my card gets denied and I look like a dummy at the store. The only answer they ever give is “it’s a hold from the vendor”. That’s crap considering it never happened with my last bank. I also don’t buy it because it’s always a difference of 1 cent. It will literally be 10.50, 10.51, 10.52 etc. Last month got charged twice for my TV and internet bill and 4 times for a Footlocker purchase, this weekend got charged 5 times for a purchase at Kohl’s.


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Customer service rep told me to put cash in an envelope, leave in the bank drop box. Just put my ATM card number on the envelope. I was attempting to make a deposit. The ATM machine was broken so I call to report it. She was so stupid. Very rude. Kept telling me to just put money in drop box. I was like "Are you crazy?" No way I am going to put $2000 cash in drop box so they can come back, say they never got it the way BOTW handle things. She said, "Well what you want me to do?" I was like really? How rude. I told her, "Is there any way someone can look into it? See why the ATM machine at the branch was not working?" I told her both are not working. She said oh well. After that I just hung up. Like talking to a wall.


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I have been accounts holder of BOW for many many years and I ordered a checkbook as I used to do. But after 3 weeks, I still had not received the book yet and called. The representative told me that they sent to the checkbook to a wrong address and not worry they would stop the use of the checkbook. I was shocked they took this lightly and I asked if they are sure my account is safe because my route number and account number can be in a wrong person and jeopardized my account.


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Earlier this year I opened new accounts at Bank of the West under a promotional offer. I handed the promotional code/offer from the BOTW site to a branch manager, who personally opened the account, and verified that I would get the maximum bonus. This never happened, and I contacted customer service who said "the person opening the account didn't use the right code to open it". I have attempted to contact the branch manager for several weeks to discuss it. None of my calls or emails have been answered. 


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I walked in, handed my check to cash, check was for thousand dollars, I swiped my ATM card, entered my pin and waited to get my money. Teller said she can't cash my check from my Citibank account. I asked why, she said I don't have enough to cover the check I'm presenting. Here's the issue, I worked as teller, and I know most procedures haven't changed much. I'm presenting check drawn on Citibank, not Bank of the West; therefore whether or not I have enough funds to cover should not play a role. Instead of offering me other options, deposit today and you can withdraw tomorrow, or withdraw what's available which is in my account, she just stood there. I offered to deposit and withdraw, was told I can't deposit either. I asked to see a supervisor; she said they aren't a supervisor or branch manager here.  


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I don't wish this complaint to reflect upon the persons in any particular branch since most seem to do an ok job within the bank's policies. This is intended for the Bank of the West institution itself. Before now I have never had a bank that "floated" MY money so often and so long. How can you make a cash deposit unavailable for two days? They have a way! Worse yet there is an absolute lie on their reporting to the credit bureaus about an account I had with them. And after more than 2 hours on the phone: they won't correct the mistake; they have to stick to their policy no matter what; they can't change (correct) what they did; THEY DON'T CARE. BEWARE of this institution--they will find ways to take advantage of you for their benefit--once your money is in their bank, it may not be yours again for a while--BEWARE.


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My husband and I opened a new checking account with BOW with their latest promotion offer. New checking account required for us to set up a recurring deposit every month. Now that we are trying to stop the recurring deposit into BOW checking account, we realized that their online banking does not have the option of canceling the payments.


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I used to have several accounts at BOW, both personal and checking plus an IRA. I could not get the personal banker at my branch to call me and she was never available when I went there in person. The bank manager was never there or was busy when I went in and would never return calls. I had a business account to use the BOW app to upload checks but they set my limit so low I could not upload all my checks. I requested several times over a 2 year period that they increase the limit but they refused. After 2 years of poor customer service and no help, I finally closed all my accounts and put them in another bank which has much better customer service and gave me the daily deposit limit (through app) that works for my business. After I left, BOW started calling me asking me to bring my business account back but I refused. They have also increased my daily deposit limit but too late - they don't know what good customer service means and they don't care.


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I have been charged so much money in fees it's unbelievable. All because the way they post your transactions. I check my account often with the app to make sure I've got money. Couple days ago, I knew I had like $8 so I spent $5 at jack in the box. Then I was almost out of gas so I bought $2 in gas to get home. Under the $8 right. Wrong. They decided to back-post an $18 online purchase that wasn't showing until I checked my account over $100 in the negative. I don't get it.


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I received my debit card over a month ago and have still not received my pin number. Talked with 8-10 people over the month each promising to send a newly generated pin number. The card sent out said pin would not change but this card rejects the old pin number. Each time I am promised a new number but it never arrives in the mail. I spend 15-45 minutes on the phone each time. They think they have the answer but does not happen. Super frustrating since I don't live in the area. I can't walk in and get a new pin. Totally at the mercy of the customer service people on the phone. Three or four of the phone customer service people I could not understand and were very annoyed and upset by my request to repeat themselves several times so maybe they ignored my request to send a new pin. Others though seem to be competent but still no pin. My thought is it should be an easy process.


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In my 30 + years now with B.O.W I have had minor issues with them. Most no big deal, once they did something to really piss me off and at the time I had financed a truck with them. I had the money to pay for the truck but didn't want to use it and the interest rate wasn't bad so I financed it. After they did whatever it was – I can't remember – I paid the loan off so they wouldn't get any more interest from me. Other than small issues for about 11 years they started calling me literally almost every 3 weeks to verify my last 3 charges on my debit card. Borderline harassment in my opinion so I got a Cabela's credit card and that's all I ever used. Then they charged me 3 overdraft fees for something that wasn't my fault and would only waive 1 of them telling me I had to take it up with the credit card service that double dipped my account so I pulled my money market savings account and put it in my other bank. 


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When opening an account the lady was so friendly, caring & told me about all kinds of services they offer. I have no credit so she told me about a card they offer which is specifically for getting credit started. It's a secured credit card.so the money on the card is your own money. No risk to the bank. I said great let's do it! I did not think I would get denied since it would be totally supported by my own money & you can not spend more than you have on the card Yet I was denied! Now to me that does not seem like a bank that cares about helping their customers like they say. It was at no risk to them, my account never gets low & yet they are sorry they cannot help me at this time. WHY? I'm very disappointed in you B.O.W! You portray such caring customer ethics but do not follow thru.


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Sold my RV on 8/23. Mailed a check (the buyer's) to BOTW same day. Also same day paid small balance by e-payment thru bank. By 8/28, no online access to my acct. Called on 8/28. Balance is zero. When will I get title? Once payment clears, which takes 5 to 10 business days, they'll process title. How long will that process take? 5 to 10 business days. Called 9/13. Title was mailed today. Called 9/23. Yes, title was mailed 9/13, but they won't pursue any follow up until 5 to 10 business days after mailing date. If no title by 9/27 (10th business day after said mailing), they'll initiate a process (you guessed it ... which takes 5 to 10 business days) to review to ensure title is clear.


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I have consistently requested a payment book and account balance in order to pay off my car loan in full. After six months of not receiving any requested documents indicating my balance, I stopped regular payments as I know I was so close to pay off, and clearly deserved to know the amount remaining. BOW continued to cash my sporadic payments, but never provided any documentation showing me the balance, and had the audacity to report "late payments" which affected my credit. I am consulting with my attorney to possibly sue for their negligence which impacted my credit score.


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My husband and I are named in a trust for life insurance proceeds. Mind you the trust was set up in May. We have still yet to receive the funds due to banking regulations that hairs being split due to the "reasonable time" extended holds on new accounts. Our attorney suggested Bank of the West and we didn't have any apprehensions. In hindsight we should have read these reviews and that of the BBB BEFORE agreeing.


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I'd advise just getting an account with USAA, or US Bank. (Or even Chase, Citi, or Wells Fargo, if you need a BIG Bank.) Credit Unions are always the way to go if you can do local, and don't need sophisticated online services. This bank should be called, "Bank of the Fees"! Terrible service at this branch! Bank anywhere else, if you can. My wife, who had her personal and small business account here, got charged over $500 in fees just to import her own transaction data into Quicken! And then there's all the other fees for stupid things (NOT insufficient funds, or anything that's her fault!).


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We bought a 2014 Motor Coach in 2016 through BOTW and was not informed by the dealership that it had been involved in an accident. Had we done a history check on the vehicle it would have shown the vehicle had been owned by 4 other people before us within a 2 year time frame. We wondered if the vehicle had been in an accident because of certain things being damaged and/or missing, but being new to the Motor Coach family we were unaware of things. It was causing us $1000's of dollars every time we went on a trip because it had to go back into the shop upon our return from a trip because something else would be going on with it. Well, after being told we'd have to pay $2000 more just to diagnose what could be wrong with the vehicle because they'd found Coolant in the oil, we decided to relinquish it back to the bank. 


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Bank of the West is a phenomenal banking institution. It not communicated relative to customer service. They literally practices it each and every day involving all customers. Representatives are more than knowledgeable, welcoming, and willing to provide valuable assistance.


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A week ago I was using the mobile app and made a mistake. Instead of switching money from my savings account into my checking I transferred money from my savings into you my credit card. I overpaid my credit card by over $800. I immediately called them to say that it was a mistake. They said there was nothing they could do for me until it posted. The next day Friday I called back and they said if I had called the day prior that they could’ve reversed it and that now it’s going to take through the weekend because of business days. So I wait and call back on Monday when it still wasn’t done that gentleman told me it would take 3 to 5 business days. Which would make it Thursday that it would be transferred back. Thursday morning the money still wasn’t & I was overdrafted on my account. Called again & they said it needed one more day to transfer.


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Never hear never have a business with this bank. I signed a contract on what if a zero is on the account. You can't buy anything. But there is already three time the bank removes 5-10 dollars in me. Not looking about what I have. A 0 on the account. And for a day I have to pay overdraft on $150. Hate them.


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We paid off our boat over a year ago. We went to have the title printed and was told that Bank of the West has not released the lien. We call Bank of the West Monday morning and they put a request in on RUSH. It is now Friday. They have released the lien but only for the trailer, NOT the boat and NOT the motor. We call to let them know that only the trailer release was received and they say we have to do a new request and start all over. They are a joke and apparently no one has the power to make anything happen.


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Recommend not doing business with these folks. Paid off auto loan. Every payment on time and paid in full. Received letter I would receive title papers in 10 working days. Never happened so I called and people were rude and condescending, now claim letter not correct. I will never get title unless go to DMV. All my vehicles are in state and never had anyone refuse to provide title documents when paid.


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KOA recommended their RV members use Bank of the West for RV financing. Bank of the West now has sellers title and power of attorney. Seller has the money and RV. We have nothing to show we have a loan, the bank retained the title and has not filed it with my state so we can not get it licensed. Customer service is rude and troublesome. I am going to my State Attorney General and considering filing interstate bank fraud charges.


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This bank refuses to close my account, and I do not have access to see any transactions to ensure that the account will stay closed. No answers for fraud on my account. I just want to get away from this company, but they refuse to close my account.


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When opening the account the person who was opening the account refers to me and made reference of terrorist activities based on my name. After being unhappy with their services I closed account and was given a credit for a refund to a closed account. Bank of the West instead of giving me the remaining balance kept my refund.


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My father had 7 different accounts at this bank. After they helped sort through those and close them out I was so impressed with them that when I moved and learned my current bank didn't have branches here I opened my own account with them 7 years ago. They've been great for me.


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I have been a Bank of the West customer for a few years and they simply do not provide the customer service or product service that I need and want. 1. They do not allow wire transfers online. 2. Their Zelle payment offering is very misleading. 3. They charge very very high fees ($40 for a wire payment). 4. Their branch employees do not offer any assistance and I ended up shutting my account in the branch and at no time did an employee try to stop me. 5. Their credit card offering isn't great at all, they don't even offer points on some of their cards. Please stay away from this bank - you can sign up to a much better service in the USA.


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Service online was excellent. Updates were readily available and what few times I needed customer they were knowledgeable and friendly. Also, interest rate was competitive and coupon book was accurate.


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I am in the middle of a number of critical personal transactions while I am selling and buying a home. Their online banking has been down for over a week and asking people to call a customer support line with wait times over an hour. Should you wait an hour, you may receive a voice message saying that the system is down and disconnect you. I managed to speak with one person who could not unlock my account, but stated that they have been hacked and working through the issues although their firewall was not breached. (Yeah... right!) Waiting again in the hopes of speaking to someone so that I can ensure the transactions are going through while I am on the road. I am switching banks as soon as possible. AVOID AT ALL COSTS!


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This is the worst bank anyone can have. Website do not work. You can't make payment online as if you have missed payment, it doesn't allow you to do it. Customer service sucks and they have no manners. High interest and a lot of fines.


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My password disabled??? Day 5!!! I cannot access my online accounts, the hold times are horrendous, and then I get disconnected after waiting for 45 minutes? I NEED to check my accounts!!! No explanation on their website!! WTH is going on?? This is so unnacceptable! I have been with Bank of the West for over 20 years, and now I am seriously thinking of closing my accounts.


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Been with BOW for a year. They charge an arm and a leg for anything. The workers are really nice because they're paid to be nice but other than that, I'm not very satisfied with how they charge fees for almost everything. You still have to roll your coins and their check processing for large batches is not efficient. Their check machines are constantly breaking down.


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So I'm on top of my accounts especially when they're low, I checked my balance before every purchase but I don't know what happened and I saw I was pending -8 so I quickly before cut off deposited $75 in thinking it would cover any overdraft and that would be fine. I was wrong. My bank statement shows that the deposited money cleared and AFTER they charged me a 175 overdraft fee. Because the 8 were all $1 payments. So they gave me 5 $35 over 5 $1 payments. But they also went on ahead and waited another day to finish processing things because they only charge 5 fees a day. So then the next day I'm hit with 70. And this morning another random $35.


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If at all possible, do NOT do business with this bank. I have been with them over 15 years and finally today could not take it any longer and switched banks. Such a pain and hassle, moving all of my direct deposits, automatic payments, etc. but that is far less than the hassle I experience with Bank of the West on a daily basis. A mobile app that NEVER works, ATM's that are USUALLY down and horrid customer service. Wish I had switched years ago.


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I called Bank of the West in Albuquerque, NM and asked if I could set up a Cash Donation Account for my daughter and her two babies who almost lost their lives in an apartment fire that was intentional set by their neighbor. My daughter's two dogs died in that fire and all her material things were lost as as well. She and her family were left with nothing. I thank God that she and her family are ok. Bank of the West Representative advised me that the bank can not help set up the cash donation account due to my daughter not having a bank account and or in good standing with the bank. Be advised that my daughter did not set the fire nor did she ask to be left homeless and lose all her possessions. I know now that Bank of the West is out just to make money and cares nothing about helping out humanity.


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Potential fraud activity on account and cannot speak to anyone. Cannot access online banking via laptop or mobile and one-hour plus hold times only to have the call terminated by the BOW online system. Branch workers are useless at resolving this issue. I've been with BOW since they acquired Commercial Federal and due to lack of customer service and fees have slowly moved all my business, mortgage and auto accounts to other banks. I'm done with this bank.


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After 45 minutes being on hold. I'm told reason why I am kicked out of online banking is because my bank account was compromised!! Someone in Georgia hacked my account! I'm told I need to go into my bank and close my account!! Why wasn't I emailed or called when this happened? I'm 2 days away from having to fly to La!! I go online and read complaints that a lot of people aren't able to get on their online banking! What the hell is really going on?? So much for my payday since I have direct deposit but yet I have to close the account and will be stuck in LA! I'm livid!??? If the bank cared they would have called me or emailed me! Something fishy going on big time!


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There is now a prerecorded message, (Regardless of what time you call), that they're "experiencing higher than usual call volumes". This is FALSE. What they mean is they've cut their Customer Service so much there's no one there to take your call. They don't care about the customer. I was on hold for over one hour and finally when the rep answered they cut me off. I phoned again and waited another 30 minutes. My account is locked due to me putting in wrong information. I called them at 5:00 am and got exactly the same message. I am now on hold for another hour. DO NOT BANK WITH THIS BANK. THEY DON'T CARE. As I write this I am listening to the same stupid message. I was forced to give 1 Star. I would minus Stars if I could.


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My free checking became not free overnight. This bank has no integrity and lie to customers all the time. This week mobile app is not working and I have been on the call for 45 min. I do not recommend this bank.


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I have been a loyal customer of Bank of the West for over 7 years. I currently have my savings, checking and RV loan with Bank of the West. In July of 2017 I started a divorce and my spouse failed to make a payment on my RV. I contacted the bank and caught up the missing payment. I have requested they remove the late payment ding from my credit report, based on past and current payment history however they have refused.


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This company returned a small check from Capital One and charged me a fee as well. In trying to figure out the situation I was treated like I was at fault and they refused to even attempt to work with Capital One. Basically the Bank of the West made a mistake and ran something incorrectly and refused to own the mistake. They cost me and Capital One more time than any of this was worth. The Bank manager did not even care that I was leaving the bank. This bank charges fees for accounts and offers nothing in service that others don't have. Choose a different bank if you can.


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BW bought old established local bank that we had accounts with since 1970. We had numerous accounts including CDs, auto deposits and large accounts doing multi state business and international business. After rude very poor service we have moved all but one account. The original bank and 5 managers over our 35 yr history the BW had over 23 managers in 14 years. Senior VP of the BW located at home office in calif office sent letter of increased charges. After 5 calls to her number over 7 days with no response we are changing our last BW account. There are many good banks to chose from some give service Bank of the West does not.


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My home was damaged May 5th in Wichita, KS. My insurance company sent my claim check in my name and Bank of the West. Instead of endorsing the check and giving it back so I could start the process of the roof replacement they took the insurance check and kept it. Said they would send another check in 10 to 14 days. After waiting and waiting on what is "my money" not theirs I called. They wanted information I had already provided to an employee who went on vacation and apparently they couldn't access her email. They wanted the licensed number to the roofer and his quote. They were going to send the check directly to him. My roofer has been doing this work for over 20 years and has never had a mortgage company do this. So what happens if I decided on another roofer, or this one takes money without doing the work. 


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I have had this happen a few times. I use my card and put my balance into a negative. Because there is not a branch or close ATM I immediately use Zelle to send money from one account to cover the amount. I receive an email from Bank of the West stating my deposit was made and in zelle it shows date sent and date deposited. However it still shows up as pending instead of posting at midnight with my charges that put me negative in the first place. They show my deposit as going in a whole day later there for charging me OD fees. When I call they reverse them BUT tell me zelle it’s guaranteed. Well when I get an email stating it’s deposited and it shows in my acct I expect it to cover the charges for the same damn day. I have never had this happen at any bank other than Bank of the West. I can’t imagine how many people they do this to who don't dispute. They are stealing our $ so they can accrue interest in their holding accts. What a joke.


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The payment process is a joke....no online payments, wait time to make a payment is a joke, also who puts out a payment book anymore???? I made a payment and the lady on the other end couldn't find it. I have nothing nice to say so I will leave it at this. DID NOT WANT TO GIVE IT ONE STAR!


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Good Sam Finance Center is a specialized division of Bank of the West. As a Good Sam member, I contacted the Good Sam Finance Center to refinance our 2018 Entegra Cornerstone 45W. The process started out well with the online application and almost instant approval, but it went downhill from there. Ricky ** is the most unresponsive individual that I have tried to work with in many years. He does not answer his phone, nor does he respond to e-mail or voicemails. Natasha is the worst customer service representative that I have dealt with in many years and she has no business dealing with the public. Jim ** is the Supervisor and he also doesn’t answer his phone or return phone calls.


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This year alone. 4 debit cards screwed up in ordering and mailing to me. Yesterday, they managed to lose a deposit of almost 3k from my acct. It's been over 24 hrs and the error has not been corrected. What is wrong with this bank?! I have yet to receive a call from the branch group either. I'M DONE.


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The on boarding process has been an absolute nightmare. My husband and I started the process online, submitted the proper documentation and were informed that within 48 hours a representative would follow up and complete the process for us. Approximately 4 days went past before someone finally called us back and let us know that they were so backed up with online requests that we should cancel the online order and go directly to a branch. We did so.


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Bank of the West recently Started Charging a $3.00 Fee for paper statements on checking accounts. I have two Accounts and didn't notice the reoccurring monthly fee for four months so it cost me $24.00. I asked a teller about the fee and they told me I have to go online and chose electronic statements only to avoid the fees. I have since done that but it got me thinking. I was not adequately notified of the new fee and it cost me 24.00. If Bank of the West has 1,000,000 accounts and they started charging $3.00 a month each then they made $3,000,000 the first month and if on average it takes 4 months for people to realize the fee is there that is $12,000,000 dollars they have stolen from their customers through deceptive practices.


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I have banked with this bank for several years. Over the past couple, employees have left and new employees have arrived. They are rude and uncaring. They made a mistake on a cash deposit (not posting to my account) and thank goodness I had the receipt, because they were fighting me on their error. This caused overdraft charges, of which only a few were returned, because it was "past the limit"!! I met personally with the bank manager who wouldn't do anything. Just yesterday I pulled up to the drive-through to make a deposit and was told that there was one person ahead of me. After waiting about 10 minutes I went into the bank and there were 2 employees doing absolutely nothing. Their hours of operation are bad also. They close at 5 and 5:30. Who can get to the bank by then if they work. Finally, doing mobile deposits is the worst. My paycheck is held 2-5 business days before I can use the funds. I'm shopping for a new bank right now.


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I recently changed banks from USAA to Bank of the West. I was pleased with my last bank and never had any issues but had to change over due to there not being any USAA banks nearby. I have to admit I didn't do my research when choosing this bank and now I regret not doing so. I recently withdrew money from Bank of the West while on my way to my duty my location and later found out I had a pending transaction which over drafted the account. Bank of the West obviously capitalized off my mistake and chose to backdate previous transactions to after after the incident which left me with 350 in fees. I realize this may not seem like much but being a single father it's a lot. I'll be shutting down this account after I pay it and moving on.


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Liars and thieves! We took out an RV loan 4 years ago and needless to say are still accruing interest on a fixed loan! When asked why we got a bunch of run around, now we want to pay it off and we have to jump through hoops while we are still being hit with interest! I'm ready to get an attorney!! Who's with me!? This is robbery at its best, and it needs to stop now!


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We close over 100 transactions a year and this is the first bank that made our BLACKBALL list. They blatantly lie to their customers and dealerships. Unless they are the dumbest run organization in the universe. POSSIBLY BOTH. They should be shut down. Look Out!


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There are purchases I didn't make, withdrawals I didn't do, double charged on all services, and being fully ignored when I complain. I really feel a class action suit needs to start asap!!! So I'm in, any other customers want in???


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Do not borrow money from this bank. They don't care one bit about their customers. I made that mistake and took out a loan from them to buy a boat. The first 4 years or so I paid extra on the note each month. I ended up getting kind of lazy on my payments because I had paid so far ahead on the loan. After about 10 months or so I was no longer paid ahead on the loan and got a call from the bank to let me know. I mailed a payment that day. A couple weeks later I got another call saying that I still hadn't made the payment asking me to pay over the phone. I told them no that I had mailed a payment. 


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I opened account at Bank of the West. I deposited money into the bank and I had gotten debit card issue and I made some applications in regards to my personal affairs my insurance and they made the first mistake to electronically allow funds to be taken out of my account when I did not authorize it. When I went to the bank and explain the issue they realize that it was not my fault. It was the electronic Bank's fault so they reversed it but they continue to charge overdraft and continue to apply certain payments to my account when there was not enough to cover. I've had fraudulent activity in my account done to my account and with the information submitted there was no communication. 


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Phone app glitchy. Tried to do Zelle money transfer, kept not going through. Tried again. Both transfers went through (duplicate). Hit with overdraft charge. I transferred back one of the errors. Luckily they referred they reversed fee. But they also reversed one of the error initial duplicate transfers without forewarning or my permission and charged me another fee! For what? Omg. Ludicrous company. Closing account.


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Had a loan through Bank of the West, was declared total loss on 1/22/19. Insurance waited until 2/8 to receive a letter of guarantee. Also took them 14 days to issue the information needed to process my Gap insurance. I have been told those checks have been issued by both companies. Bank of the West states it is possibly in processing. May take up to 30 days!! In the meantime they continue to harass and ask for payments. State it will back date to date of loss. I have not issued a payment due to fact if they cannot issue a credit from insurance. I can only imagine how long to get a refund.


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I had a car loan I paid off in November 2018. It was overpaid by $1000 and needless to say I have been told by numerous different people on the phone that my refund check had been mailed. Here it has been 3 months later and I STILL do not have my refund check Or a lien release for that matter. I have called this place (and let me remind you that you have to wait on the phone every time for over an hour to talk with anyone) and no one will let me talk to the President of the bank. I am fed up, my next step is a lawyer. I literally have called them 8 times so far and every time I get a different answer. Also, I have had several supervisors tell me they will call me back with an answer or solution and they NEVER call me back. This is the most horrible place to bank with ever. It is so frustrating. I can bet you money that if I didn’t pay my bill on time I would have lost my car, however they feel they can just keep lying to me about my own money they owe me.


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I was a customer at my local branch for 25 years. I get a certified letter telling me my account is being closed. I carry a large balance, excellent credit, have never even bounced a check in my life. Went to the branch, was assured by the manager she would deal with the people in Arizona who sent the letter. Long story short, they close my account FOR NO REASON. It has been 3 weeks, guess what... I still don't have my money! Next step I will be contacting my attorney. Do not do business with this bank.


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I use Bank of the West for daily banking, an RV loan, and a mortgage. I am greeted by name as I enter the bank, have my problems listened to and solutions offered. Fantastic bank with fantastic people. The mortgage has been the most painless process I have ever encountered. I love my bank and its staff. (Kudos to manager Connie!)


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Bank of the West lost every deposit made yesterday, has acknowledged the problem yet will not put the money back until they fix their computer problem. No reason the money should not be accredited as soon as the problem was discovered. Looking for another bank, needless to say.


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Never have I been treated so rudely!!! My father had hip surgery and has been in and out the hospital. I called and made a payment on his car on the 10th of January. On January 18th they came and picked up the car??? I called today to try to get this fixed and was treated like Crap! They would not talk to me because I’m not on the loan... But when I called to make the payment on the 10th they happily took it! They told me they would take money from anyone... I had to wake up my dad and have him authorize for them that it was ok to talk to me. Now they're saying I have to wait for the recovery department to call me before I can get the car back. I told her that was unacceptable because now I’m incurring more fees at the tow yard. She said that wasn’t her problem and that was too bad and I would just have to wait.


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Sold my boat RV in first part of November 2018. Have been on the phone 3 days just this week, they still have not released interest to get a title even after my check cleared my bank on November 19 2018. This is hurting both me and the person I sold to, this is guide boat and he cannot do any business till he has it in his name. As of today 1-17-2019 (almost 60 days) it is still not done and don't know when it will happen due to I am getting 3 different answers to same question ask every time.


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Updated on 04/08/2019: The seller's lender requested a 15 day payoff & front & back of Title. After finally being connected to the Payoff Dept (a wait as long as 10 mins. at times). When I was finally able to speak with someone to ask for a payoff and a copy of the Title. I was told it would take 7 to 10 days and then they would only fax or snail mail it. They would not email. We asked to have it faxed and follow up with snail mail. When they finally faxed, they only faxed a 10 day payoff (already expired) and only the front of the title. We went back and forth like that for almost 2 weeks. After almost losing the sale, we asked the seller's lender to please get involved. They were also frustrated in the unprofessionalism and incompetence. Never again!!!


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I applied for a Bank of the West credit card. Later in the day, I was contacted by the credit department and was asked several questions and then passed their check. He then stated I was approved and the limit was $2000, and I waited 12 days and no card, so I called and asked about it. I was told my app was declined. I said, “NO”, I was given the limit and all. They stated they would check the recording and I was then told to apply again. I did, then needed to go give 2 forms of ID, SSN card and fill out forms (I walked 2 miles to this branch) and waited a week, and then was told again DECLINED...WTF. THIS BANK LIES AND IS HORRIBLE. All the holding, waiting and giving up info to be denied again... Hmmm, never again will Bank of the West get my business nor interest.


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I have been with Bank of the West since they were Continental Pacific. I Bank in Fairfield California. Recently, they closed their Empire branch and now you can only go to the branch on Oliver Road. Every time I come here now the service is horrible!!! There's only two tellers and there's long lines! They finally made it to where on Friday they're open until 6 (used to be Thursday!), Saturday only till noon! Horrible horrible service. I think I'm ready to go to Wells Fargo now because they are open until 6 every day including Saturday.


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Everytime I got call from them or contact back, they treat me like ** and never listening to anything I said. I'm a customer not killer. Pls provide profession, polite and service mind since you are in the service business. Every time I have to deal with this bank I want to refinance my car and get away with nasty, unprofessional and this low class bank. Only time I got professional and nice service from them when I call to complain department.


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First I want to say that I wanted a second bank account so that I can save the little money I receive from one of my daughter's for childcare. It wasn’t much but these days it’s hard to save money. So I opened a account with these people. My daughter posted a 40 dollar payment. I in turn forward to this bank. I went to my local pharmacy to pick up and pay for medicine - my card was not accepted. I call, come to find out my account was closed without my knowledge. Where is my 40 dollars that I transferred to this account. I’m without medicine because of this. I will never do business with this bank again.


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I went to Bank of the West on my lunch hour, there were 2 cars ahead of me, after waiting for approximately 10-15 minutes for them to complete their banking I pull up to the window. Tellers were there talking to what looked like salesmen for ADP, no acknowledgement, no attention, nothing. I don't look for special attention but my time is also valuable and I have been a customer of Bank of the West for well over 22 years. To make matters worse I called to speak to the manager and she was out, I was told to call back the following day. I asked if the customer service manager was there and she rudely asked what I needed. I explained what had happened and she again rudely asked me what I wanted her to do! Really? I have been in customer service for well over 25 years, when did the customer become unimportant? I will be taking my banking elsewhere! It wasn't the situation. It was how it was handled after the fact!


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Be careful with this bank. They are how do you say less than pathetic in the compassion dept. And even if you have an available balance they still will hit you with an overdraft fee even if the transaction happened less than 24 hours of funds being put back to cover horrible and (supervisor) Michelle...??? Should def not be in a supervisor role. Def. more training needed on her part and maybe even anger management?!? Hope and pray you don't encounter her.


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Received my credit card bill and upon reviewing it appears that they have added my last month's bill and this month's bill together for the total amount due however this is not correct as it also shows that I paid last month's bill. I attempted to town customer service and was on hold for over 34 minutes yesterday. I then filled out email with an online banking system and was told the amount is correct however it is not. Upon reviewing all of these reviews online it is more convincing to me to not bank here.


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I was so excited to join the Bank of the West family, for a short while. I attempted to establish a mechanism to pay my monthly house payment via my checking account at Bank of the West. The person in customer service at the Oakland California Branch, Christian, didn't know how to set up bill pay properly, and when the checks are sent for my house payments, the money does not come out of my account. I inquired about this several times but never received a definitive response. Recently I decided to stop bill pay, and called the bank to cancel. I was told that bill pay couldn't be stopped until the following month because they were already processing the current month (really). 


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Bank of the West goes above and beyond all other companies to make their process more difficult for the average person. Their customer service plays into this by not knowing what they are talking about and giving false information. I have found the only way to ensure you get the proper information is to call multiple times, ask the exact same question, take the closest 3 answers and fill in the blanks. Usually I have to call at least 5 times to get 3 answers that are similar in nature. This is assuming that you are able to get through the tangled web of their automated system to get a live representative. 


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I have had nothing but problems with this bank since opening my account in November of 2017. I decided to stick it out to see if it would get better but today has proved me wrong. I know I'm only a small fish in their pond but my business means something to me. All business should be equally as important to them but unfortunately that is not the case. 


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I have had a mortgage with this bank on auto-pay since Janurary 2006. I received a call this evening and the CID showed Toll Free Call 1-866-243-1808. They stated they were Bank of the West and that a “banker" wanted to discuss redoing my loan. They said they had sent a number of marketing pieces in the mail - I have received NOTHING from them. They obviously had no information about my mortgage account as they were offering a higher interest rate than I actually pay plus the fee for just the paperwork was quoted at $875 plus all the additional title and appraisal costs. They didn't properly identify themselves and they think I should spend at least $2000 to redo a loan that has a higher interest rate than I currently pay. 


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1st off let me start by saying I have been a Bank of the West customer since almost the day they opened their locations in Reno, Nevada; which was 18 years ago. I currently have two bank accounts, a savings account, a business loan, a business credit card and I process all my credit card transactions through this bank. Dave the branch manager at the Lietzke, Ln branch has single handedly lost my business after 18 years. I will be finding new bank today. On Tuesday I went in to the Reno Nevada branch location and paid $9000 cash towards my business loan. Today is Friday and the loan payment has still not been posted. 


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On September, 18 2018 I had my truck repo. I immediately thought it was stolen for the reason that I had made a payment on that previously Monday. Never did I imagine my truck being repo so I went to the police and they search it. To my surprise it was at the repo yard. So when the finance company finally open I called and ask why was the reason my truck got repo and they said because they’ve been trying to call to schedule a payment and since they don’t get a hold on no one they automatically thought I was trying to avoid not paying the bill. The same lady that help me out don’t took it upon herself to noifty on Monday when I made the payment that my truck was already on the system for repo. 


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In January of 2018, I got a car loan for $38,500. In July of 2018, the car loan was paid off, and I accidentally made an overpayment of $320. When I realize that I made the overpayment, I called and they said that they would send me a check in five business days. It has been 33 days and I still have not received a check. When I called to ask about the status of the check, they told me that I needed to prove that they were overpaid. I have spoke with several people at the customer service department and nobody seems to know where the money was put, but they said it could take up to several months to get my money back.


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Oh goodness. Don’t EVER fall on hard or rough times with these people. If you’re 50.00 short on your auto loan, they’ll be sure to call you 50 times daily to remind you just how broke you are! And when we went in to open a saving account the branch manager failed to tell us of the account that was only $25.00 to open. He only mentioned the highest ones because my mother is an elderly woman and I guess he didn’t think I had the slightest clue. Also when they ask me to verify with written consent so they can contact me on my mother's loan, which I have yet to give them, they CONTINUE to call me! But when I call (because I’m not on the loan documents) all of a sudden they can’t discuss it with me. Also when you do call their collections dept. they’re very rude. But we reap what we sow. Lesson learned #138.


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WORST BANK EVER. I only had account for 2 months but had nothing but problems and finally got a letter from them opting to close my account. I opened my account and received my DMV registration. I used bill pay to pay it. I thought that because DMV is one of the largest "companies" in the US it would be in the 21 Century and my payment would electronically be paid. I received my registration and tags in the mail and thought all was well until I came home on a Fri about 2.5 weeks later and got a notice from the bank that a check I had written for $384 had bounced and was charged $35. I immediately called and explained that I had just opened an account and that at my previous bank when I made a bill pay the bank deducted payment at that time so I had a "living" balance so to speak. The rep was good and said he understood and we made a transfer of funds so that they would be there if the DMV tried again and he removed all fees. 


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I paid off my car loan on July 3rd 2018 at the Chatsworth branch in Calif. 2 weeks later I am told it never happened. They have no record of my payment, yet my check was cashed at my bank. I have made Several calls to the bank in Chatsworth and their headquarters in Nebraska. After last calls they said they are researching the problem. It has been over 3 weeks and the problems has not been resolved. To me this feels like a very shady practice. I would never use this bank again!!!


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I went in to close a savings account because I was not using it and because I had another savings account in another bank with better interest rates (that's not saying much). A week later I went to my online banking and my active checking account was missing and only the savings account which I had closed was there with a zero balance. I called the branch on Martin Luther King Blvd., and they said that in order to have my checking account online I had to fill out some paperwork. 


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I banked there for 28 years with no apparent problem except they failed to notify me. I qualified for free checking which they continued to collect fees for after I turned 55. Recently I had a family tragedy when both my younger brothers died traumatic deaths in a short period of time. I was devastated and faced with a horrible task to reconcile two estates.


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We wish we had never allowed anything to be financed through Bank of the West. Can't get anyone until you hold for 20 min. Then they have to put in work orders for anything you need that takes several days to a week! They get attitude when you let them know your needs. They are not about serving their customers with quality.


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I re-financed my motor home & ended up w/ BOTW. Long story short, they have absolute idiots as CSRs, not to mention rude. Since the inception of my loan with BOTW, I have been making additional payments each month & each payment has been clearly marked as PRINCIPAL ONLY PAYMENT. With each check that I mailed to them, this was also noted in my cover letter in bold lettering, all CAPS & underlined.


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We searched and found a great rate for an RV Loan at BOTW (Bloomington) where we live in MN. Logan and Jarod were outstanding in handling our business - professional, personable, and found the answers we needed to move ahead with our business; we are nothing but highly satisfied with this branch.


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** at Bank of the West at 505 Montgomery St in San Francisco was very rude and asked inappropriate personal questions. He also demanded that I tell him names of previous banks where I banked in the past and where I currently bank. When I refused to answer, stating that this information has nothing to do with my banking at Bank of The West, he said he will close my account and hung up.


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They keep changing the website and confusing customers. The HELOC loan statements do not show balance forward after each transaction, just the starting and ending balance.


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Bank of the West is the worst bank I have ever had, they charge fees for everything and steal money from you, I added all deposits for the yr and everything that has ever been deducted and I have over $400 missing money unaccounted for. I checked this because my account was always being charged NSF fees when I had enough money to cover costs. They are far worse than Wells Fargo; I have stopped my direct deposits and closing out my account! Their customer service is horrible, they don't care about their members, nor care to investigate any issues you are having. Do not sign up with Bank of the West!


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I opened a new account a couple of weeks ago and I had filled out my direct deposit with my employer but it did not process this payday which was the 4th of May. They sent me a live check and I used the mobile app to deposit. I was lead to believe when I had asked an agent that it would not be a problem and it would be available in 2 to 3 business days. Well then I was told that it was now going to be available on May 17th. I got paid on the 4th. I have 4th stage metastatic melanoma, which is spreading rapidly. I have a new medication that is waiting to be picked up and that is very expensive called **. I have no money to be able to get it and I need to buy groceries, pay bills, give kids school lunch money... etc. The teller at the branch was nice and tried to help but no luck.


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Called Bank of the West customer service to cancel this monthly fee, they refuse to do it. They say go online and do it yourself. Bad customer service, bad attitude, just another way for rip off banks to take your money.


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Applied for $650,000,000 agricultural division loan. Provided major application package. Eight businessmen partners. New ranch corporation holding company in new Mexico. VP agriculture reviewed package and offered to provide an equity partner for downpayment. VP making loan asked me for the CEO's job and he was making the loan. Loan verbally, prelim approved. Several ranches and cattle under purchase contract by group, CEO did not get the top job-denied. This is illegal for banker to make a loan and get a job at same company. VP banker no job so he changed all the loan terms previously offered ruined loan. SEC and bank regs say this is illegal. It cost our group the whole project as critical time was lost. Reported crime to OCC and bank denied all twice. Criminal charges should be file here. Major damages in millions. Prosecution here? Bad experience trying to get OCC and SEC help.


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My business, which did bank at Bank of the West (BofW), was fraudulently scammed in an equipment purchase by a business banking at another US bank. When the fraud was disclosed to the banks, BofW was slow and seemingly unconcerned in pursuing the matter. The other bank could not talk to me as I don't bank there but I was told by them that BofW needed to contact them to resolve the issue. In frustration at the lack of communication between the banks, I filed complaints with the FDIC and CFPB as well as AGs and finally got to talk to someone at the other bank who told me that they would have refunded the money (1000's) if the Bank of the West had responded to their request for a letter of indemnity. 


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In November of 2017 I accidentally overdrew my account. We paid the fees, and I went to my online banking profile, where I was able to opt out of overdraft protection. Problem solved... until February of 2018 when my account was once again overdrawn and hundreds of dollars in fees were charged. Checking my online banking profile, I discovered my account was once again set to receive overdraft protection. Once again, I turned it off. 


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I will say when you talk to Bank of the West employees at the branch or on the phone they are helpful and very nice people. However to be able to reach them is a total nightmare. You have to follow their automatic system witch lack some of the question you have. Mine was about a loan already paid off. It took a long long time to be able to get the info.


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I have always had positive experiences when dealing with BOTW branch banking representatives. They are always friendly and efficient. I cannot say that about their telephone banking reps however. Most of them appear to be very young females who are inexperienced at customer service, ill-equipped to deal with the public, and can become very arrogant and bossy if you have a complaint. The last one I dealt with had no tact and did not know how to handle an unhappy, dissatisfied customer. She talked down to me as if she was in charge of everything, the customer is always wrong, and I was a child who needed to be put in their place. I finally had enough. I ended up hurling the "b" word at her and hung up. I must have gotten blocked because I was unable to contact another telephone banking representative.


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I have only had exceptional service with friendly, professional help from everyone at Bank of the West. They always go to bat for me when I get scammed or ripped-off. They are fast in their investigation and have recovered money I thought was gone. Hundreds of dollars have been returned to my account when someone got my number and used it for numerous Uber rides in England. That was one of many times they helped resolve problems. I have read some of the bad reviews written about the bank. I can only assume that those people's standards are too high for anyone to meet. They have only exceeded in meeting my needs and were super friendly and professional doing it. They are my best bank yet.


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I am a small business owner in Illinois. I recently found that an ex-employee had gained access to our business checking account. He purchased a car in Oct or Nov. 2016. He called in his car payments to BANK OF THE WEST and gave them OUR BUSINESS account info to pay his car payments. BOW was able to access the phone recording where this person states he is a signer on the account. I also sent them the bank signature cards they requested from our bank. Now BOW won't return my calls and states their "investigation dept." has closed the case. I just attempted to contact them again and was informed there is NO investigation dept. I have filed charges in Illinois against the ex-employee. BOW will not cooperate in providing a name and contact number for the State's Attorney to speak with them. This is so illegal and unethical! STAY AWAY FROM BANK OF THE WEST.


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After having banked with four other financial institutions, I feel I am of the informed opinion to unequivocally state that: this bank is by far the worst I've yet to encounter. Here's why (not exhaustive): The bankers are rude across the state of California (irrespective of my consistent six figure balance- I can only imagine how badly they treat clients with a lower balance). There are lots of fees, many of which are unbeknownst to a client (unless you actually read the 56+ page contract). Horrible telephone customer support. Very limited hours of operation compared to other banks. The various branches aesthetic resembles that of the DMV (and have the same impersonal, bureaucratic, and unwelcoming vibe). Complaints are never addressed. I could quibble on and on but, the point is: look elsewhere, this bank is atrocious.


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For the past month I have been trying to close my bank account with Bank of the West. I have contacted all businesses that I had direct deposit with to let them know that the account is closed and gave them all my new bank info. However something is definitely wrong since I'm still receiving bank statement from Bank of the West and the direct deposits are still being deposited when the account is supposed to be closed. I have been in 3x to find out why the account is still open and they all claim that it is closed yet no one has or will give me any form of confirmation that the account has in fact been closed. 


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In preparation for my 2017 tax return, I ran across a year-old file with an account number and debit card, along with a statement with $120 remaining in my account with BOTW. I call them (spoke to a rep then supervisor named "Latrell") and after giving them all the information about me over the phone, they state they cannot help me. No other reason given beyond that. After giving you my social? My business' name? Fine, I moved on to another financial institution and operations without your bank, but I'm not giving up on $120 now, out of principle. Buyer beware!


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BOW added a "new" $15 fee to my 12 yr old $0 fee money market. So on Jan 31 2018 I changed the money market account to an any deposit checking account at the clerk's suggestion. Today in my balances I see I was charged $13 dollars for that last January business day, $13 dollars! I am on my way to my local branch to close the new account. Running some kind of BOW ripoff okie dokie game here? I am a senior, there are laws to protect old people like me from financial abuse like this!!! Snakes! Not only am I looking for a new bank but they are losing my family business account of $220K. Enjoy the stolen 13 bucks because it's the last dime you will see from us.


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To my knowledge I never signed up for a Gold Line account, but one was created for my regular checking account. There were fees and deposits done automatically, which I didn't know was happening because I'm not that attentive to monthly banking activity. My needs are simple. As a result, I ended up losing several hundred dollars. I think this was one of those situations where you will automatically get this account unless you specifically say you don't want it. I remember seeing it and deciding I didn't want to sign up for it, but I imagine I needed to decline it. This is a dishonest practice, in my opinion. It lacks transparency and takes advantage of people.


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Today was the second time (different locations) in a month a Bank of the West atm has taken my cash without posting the funds. The first time I went through the claims department and later received a letter basically saying they didn't have my money. There's no other process in place for investigating, so I just have to hope they don't steal my money again.


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I had opened my new checking account with Bank of the West in August and I believe they took advantage of me because I was new. So what happened was I used PayPal to pay for a few items. When I say PayPal that is the debit card I used thinking it would draw money from my PayPal credit account which I also have. I quickly learned I had my PayPal card in sync with Bank of the West. 


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For 7 months I have been sending in payments on a loan at or near the beginning of each month. Payments are due on the 14th of each month. The Bank of the West, so far, waits until 1 or 2 days prior to the scheduled payment date to process these funds, cheating me out of interest credit. This, in my opinion is a lack of integrity on the part of the Bank of the West. I would appreciate either an email or phone call from Bank of the West with regard to this issue.


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Bank of the West is one of the worse banks I ever dealt with. They sign me for overdraft protection but what they don’t do is just that they charge the account every time but they don’t pay for the charge that came to the account. And when you call them they have no answer. Another thing, I was going to vacation. I called them 3 days in advance. Give them the date and time I am leaving town. When I got to my destination they froze my account. It took two days of phone calls before I was able to use my card. Wouldn’t recommend them to anyone.


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Made it my day start all bad. I went to deposit my money on Sat morning 09/23/2017. Was out there for 15 min. The teller seen me when depositing the money. Out of nowhere the ATM machine kept saying in process. 5min before opening I told them what going on. The teller just told me give it some time. When they open I told them what was going on instead of helping me they help 3 customers before me and I was the first person there. And on top of that made me late for work 40 min. But what upset the most was that they still wanted me to come back in one hour. Then she told I would have till Monday after my money card getting stuck there. They didn't bother to look into it. Because of that I didn't have no money because they had to do a claim and I wasn't able to get my car. But to collect the overdraft you guys are good but when come to helping you guys to take forever. I’m really disappointed with this bank. Smh.


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Since becoming a customer with this bank last year, I have noticed that there have been repeated discrepancies involving what is reported as my balance (both available and current) and what is later changed to show an overdraft. For instance, I closely monitor my balance due to budgetary restrictions. I not only keep a running balance based on my records but I will check online and at the ATM site where I make my withdrawals to be sure I have enough that is "available" (the actual amount) to withdraw so that I am not overdrafted. 


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I purchased a boat back in 2007. The financing was done by Bank of the West. I have had no problems with them until I paid off the loan in late July 2017. After waiting until about 15 August 2017 to receive the title I called the bank. I was told that all paperwork required had been sent out but they would send another copy. I waited until around the 27th of August 2017 and received the title for the trailer from Virginia DMV. I called customer service again and was told again all the paperwork was sent out but that the title was held by the dealer I purchased the boat from 10 years ago. I knew that was bull but told the customer service person I would contact Lynnhaven Marine and inquire. 


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There is NO security, day or night. My closest branch is practically in the middle of a homeless encampment. So it is a little scary. Super happy with the behind-the-counter staff. The tellers are very, very friendly and nice but the bank officers, not so much.


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Today I made what I thought was a simple transaction from the drive-in window transferring money from one account to another... After the transaction, the teller returned the tube with no paperwork or receipts. I ask her for the transaction receipts and her response was to give me balances on both accounts that were involved in the transaction. I ask her for receipts showing both the withdrawal and the deposit into the corresponding accounts and I was told she didn't know how to print those receipts. I asked her how long she worked in the bank and her response was 3 months. I asked her the question assuming she didn't know how to perform the receipt transaction and I told her I have copies of previous receipts showing the information that I requested... Deposit receipts. I proceeded to go inside the Bank of the West building to talk to the teller and was told the manager of the bank would discuss the situation with me...


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My response to the Relationship Banker concerning a home equity line of credit... have been going through this revolving door for months: You say the appraisers will be here in a few days. Then you say you need more paperwork. I supply paperwork. You say all is well, the appraisers will be out in a few days. Now you say you need more paperwork. Let me talk with my wife, but this has become silly. Probably we will just forget the whole thing.


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I love my branch & employees, Castro Valley, Ca. I put the bank itself in with all the banks. No longer a real branch manager who makes credit decisions. They're just a title. The Back office is the Iron Curtain between old way & this new way. Some of this evolved out of the 2008 US "E" collapse. And we can thank Wall Street Financial Inst. & Congress for the over correction.


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They are wonderful and even know my name when I enter and say "hello". Their accounting and advice have been great. They send out notices when CDs are due and get you the best rate.


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I have been dealing with this bank since I got a car loan and they were the lien holder so I opened an account. Big mistake. I have had so many complaints and incidents, most recent today I go to their ATM and withdrawal 300 from another bank account. At a different bank the machine gives me fifteen bills like it was supposed to but in the middle was a $5 instead of a $20. I go inside and ask them to count the ATM out and find out what happened and of course they look at you like you're a second class citizen. Had to leave before I say something to get arrested. They called me to submit a claim about the money and left me on hold 6 minutes then hung up on me. Excellent customer service!!! They SUCK!!!


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The Bank has been handling my grandfather's trust for 2 years. My father passed away and I have been trying to get information. The account manager told me I was not the major person and he had 100 other accounts that were more important. The Trust is worth over a million dollars. They have been rude and talked down to me. I also feel there is an issue as to how this has been handled. I asked for an accounting and was told this would cost me a lot of money. I would never use them for a trust and I should not have to get an attorney to obtain information.


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I was referred to BOTW by a friend who is a real estate agent. Called into the number to apply for a home equity line the morning of July 21, 2017. Spent 40 minutes on the phone with Jacqueline giving information. With the loan I would have a 30% LOE and I have a credit score of 803. I heard nothing back, not even an email that confirmed that I had applied until Friday the 27th. In the meantime I received another referral to BVNA Compass. Called, spent 30 minutes on the phone. Sent my documentation an hour later, received a conditional approval within two hours. Was called by the branch manager in Walnut Creek to make an appointment the next day to open the checking account. Also the rate was 2% lower. BOTW needs some serious work on customer service.


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When everything is going good they are your best friend. When you have a problem not so much. The BotW in Tehachapi doesn't return calls and when you are mailed a ph# 800-488-2265 for customer service and asked to call it and give your reference # the employee that answers the phone says the number you called does not handle problems with reference #s? and refer you back to the local BotW.


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My story is so long... But in a nutshell. Held my check beyond where they advised me. Spent 25 minutes on customer service line, disconnected. Asked my branch, Redondo Beach for assistance completely worthless. The highlight was when I asked my branch why they couldn't give me quick ring that they were bouncing my check, charging me 35.00 when I had the funds in my account. She said, "We used to provide customer services, but people complained we called too early, so we don't do it anymore." IF ANYONE who worked for me said anything like that to a customer they would be fired on the spot.


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I want to file a complaint against your employee ** NMLS # ** located at the 201 N Church Street office in Las Cruces 88001. I had a Farmers Insurance check deposit transaction and received orders from Ms. ** instructions to get my wife to endorse the check and include the Farmers Insurance claim review information or statement. I said to Ms. ** this a deposit not a new loan, she shouts back at me, with four customers in the bank that the bank owns my house and requires this information. I told Ms. ** that the bank does not own my home, only has a lien on it. She again repeated that "the bank owns your house."


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It takes a lot to get me upset enough to write a review. This bank, Bank of the West, needs to do some serious, serious employee training and firing. I was floored reading the number of complaints with the exact issue I experienced on here. We were promised title to boat 10 days after payoff. On the 25th day after talking to 3 different people the last Dana ** who claimed to be the manager and told me we had been talking to the WRONG people and they didn't know what they were saying. HELLO didn't know what they were saying. She said the title would be sent out the 31st or the 1st. I then asked her because of the runaround what will be the excuse on the 1st if it's not sent. No reply. Thought she hung up on me then asked her why she couldn't understand that question and please treat me like she would want to be treated. She eased up a little but said she has heard enough. 


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I added my checking ATM (MasterCard) to Samsung Pay (android). I deposited $1,000 in cash on a Friday afternoon. I couldn't get to my money using Samsung Pay. I called customer service and they said I had an old card even though they had just sent it to me. They suggested I call MasterCard but wouldn't give me the number... my other card from Chase (visa) worked fine. It is now 3 months later and still didn't work. Bank of the West won't return my phone calls and letters to their headquarters go unanswered. I opened a new account at Wells Fargo and the ATM card worked in Samsung Pay the same day. My conversations with Bank of the West employees about this issue usually result in rude, arrogant, and disrespectful responses by the bank's employees. What a horrible experience. I hated it. Maybe they are going out of business? Bank of the "Past"?... call me!


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I have headaches with this bank from the start, should have closed my business account at day one. Nothing but trouble with them, charging for stuff not needed to be charged. They will decide what is priority cheques and hold cheques so your account can go in default just to charge you NSF fees. When you deposit a business cheque into your business account they will put a hold on cheques, although the cheques has cleared and been paid to them from client's bank, just to see if they can cause something that they can charge you for.


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I would give this horrific bank a zero rating if possible. They don't deserve even one star. Aside from manipulating debits to gain overdraft fees they closed out account in a heartless and devious manner. We were still struggling after the loss of our company due to the 2008 big bank corruption. When our BOW went $160 overdrawn we called to explain a big deposit was due in a week's time. The conversation was amicable. The deposit was made on a Wednesday. It showed up as being in "processing" and as Available Balance as well on Thursday.


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Bank of the West has been a horrible loan service. We had a boat loan for 10 years and had nothing but problems. Found ourselves late on a payment and informed the first person who called that we would have the payment made on the 5th and asked that the account be noted. They proceeded to call everyday straight for 6 days while claiming that the automated system does not allow for notes to be considered. When we paid off the loan, they sent the title to a home address we left 8 years ago! They were informed of the move when it occurred and they had no problem sending statements to our new home but when it came time to send the title, they didn't know we moved. Such BS.


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Bank of The West is Horrible. First off this bank does not provide great customer service with any department or branch you come in contact with. I am a business owner and deal with PayPal to pay different merchants to vend at their events. I had two events which I paid through PayPal, one for $500 and one for $1,000 two weeks apart. The event for $500 never happened so I called PayPal to dispute and receive a reimbursement. They notated the account and advised that all I had to do was call my bank and have them contact PayPal to reverse the transaction. I was very specific with Jeremy from the claims department on date I paid, and amount. Two days later I had a reimbursement for $1,000. Bank of The West reversed the wrong PayPal transaction. 


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Very dissatisfied is way too high of a Rating for this bank. They don't deserve a single star. This bank should be investigated for all their re-arranging of debit card transactions to acquire more overdraft fees. When I talked with a regional manager, actually 2 different regional managers, I got two different stories from the both of them explaining why transactions were put on a so-called hold status while other transactions made after the one on hold gets processed. Well of course they hold the small amount and process the larger transaction because regional manager says "Well we want to make sure the important ones go through which are the higher amount transactions."


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I recently created an online banking account for my Bank of the West Mastercard (This is the only account I have with that bank). First, If you mistakenly sign-in with the wrong password after two attempts the system disables your account and you will need to call the number that's listed. This situation has happened to me twice. The first time the representative reactivated my account quickly by asking a few questions. Unfortunately, again I forgot my password and my account was disabled. 


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I’ve been with them over a year. My initial credit limit was $5k. Over a year later I called for a credit line increase and I’m declined. I have perfect payment history with them and a high credit score. I have Amex accounts with $25k plus credit lines. I paid my account off and closed it same day. Plus their app/web performance is horrible! Sluggish and constant error messages. I’d bank at a place that doesn’t seem like it’s still stuck in the 90’s.


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Being with PenFed a little over a year and I have had fake overdraft fees that required me calling to correct. They have rude customer service that talk over you and never get to your issues without wanting to transfer you. Upon changing my direct deposit all of the sudden overdraft fees coming in, I would consider this as the worst credit union ever.


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Don't trust this bank, they do not protect your money. I lost my iPhone and Wallet and within hours notified them, provided police report and proof of new iPhone purchase and they still denied my claim with no reason as to why. I am shocked every other financial institution assisted me and was able to credit me back my stolen unauthorized fraudulent activity except PenFed. I would think twice before opening account with PenFed as they do not protect your money.


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PenFed now requires 2-factor ID to login to your accounts. PHONE is the only option for verification. No phone access, no account access. We were given NO OPTION to select an email verification. If using desktop, IPAD or tablet, you need 2 devices just to log on to your account. Obviously these arrogant IT nerds do not travel often to areas with no or limited or costly phone access. Plus I am concerned there must be a significant security issue with this institution because none of my other online banks have this mandatory phone requirement to get a login code. After many years and with sizeable deposits, I will be diversifying.


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I have the Penfed Platinum Visa for over 12 years. At the beginning, I was getting True 5% on Gas and 3% on grocery. Then things changed. While they continue to give the same cashback, when you try to claim your rewards they will deduct 5880 points for a $50 Visa. Which is 880 points or $8.80 extra. It's is way less than 5% or 3% redemption. This is deceiving business practice. You can still get some store gift card on sale, $50 card for around 5000. Buyer be aware.


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Transferred money out of my local credit union to PenFed. Money came right out of my credit union but PenFed decided they want to hold the money for several days bouncing the check. Do not recommend using them, poor customer service.


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I highly recommend NOT using this CU. I recently used PenFed CU for CDs and found that they are by far the worst (member unfriendly, staff incompetent, slow, and have the most exorbitant fees/penalties) credit union with which I've done business. And I have done business with several local and online financial institutions over many years. To close my CDs it took a ridiculous number of contacts (phone and email). I was given the wrong information more than once, my requests were not completed or not completed timely and several of the customer service people I communicated with were short and not at all helpful. It took close to a month to get my money! Again, I highly recommend NOT using this CU.


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I have a been a member of this bank for 20 years but with all the updates and people on board with not experience or care has caused major problems for me. The new bill pay system has caused me to have to make payments myself that I otherwise wouldn't have to. They know it's not working properly and have not allowed the members to not speak with the bill pay department directly. This is terrible coming from the 2nd largest credit union. I mean the representative get on the phone and try to talk to you like you are a dumb and that you are the problem when it's PenFed. I am very disappointed in them..very! :-(


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Literally PENFED is messing up my credit score! The payment method is outdated, the application is horrible and 70% of my payment get kicked back for "insufficient funds" no matter how much money I have in the account. It makes no sense and it takes a whole week for the payment to process? No more payment options? I don't have this issue with my other vehicles! They need to update the payment method and let the customer pay at the spot with their debit card AT LEAST! The late fee is extravagant and it should be like that if you have the funds. When you call, nobody knows what is going on, there is no use when they "leave a note" in the system. AND STILL WAITING for my debit card in the mail AFTER 8 MONTHS!


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I never write reviews, good or bad but here goes. I did an early withdrawal on 2 CDs in November knowing and paying the early withdrawal penalties - no problem. For the next month I tried to set up an external account online to transfer my money to another institution. To set up a new account you log in and go to Link External Account. Once there you are presented with 2 options: Immediate Verification and Manual Verification. Using Immediate verification I enter all my financial institution info, respond to their validation text and then get this message: "Unable to Complete Request. We had a problem gathering the account details from your other Financial Institution. To register your account, either use the Manual Verification option, or you may attempt Instant Verification again later."


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The level of dysfunction of the online banking website is becoming intolerable. Functions like links to external accounts for transfers, and the online payment function for loans…inc my mortgage…just “disappear”. Customer service is a joke, want to make it look like problem is with my “device” though same problems with multi devices and OS. After literally decades with PFCU and some pretty sizeable savings accounts, I am exploring alternate online services.


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PFCU has been my go-to bank for many years. However, recent "updates" to the website have made it slow and cumbersome requiring multiple clicks to do anything. Getting to your credit card charges takes multiple tries and is very slow to pull up info. I've been trying to change something online to no avail. So I called them, only for them to tell me they needed a "verbal" passcode that I assume at some point provided them (?). The first person I spoke with said it would be a couple of hours for the request to delete was "processed", when I called back later the second person said 3 hours and then when I called back again a third person said 24-48 hours. (??)


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The customer service rep just told me their IT department doesn’t work weekends and can’t fix their app (won’t deposit checks) until Monday when the staff come to work. What kind of organization has a major functional issue and doesn’t have it fixed before three days have passed???? Not one that I can count on, that’s for sure.


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Penfed is the worst checking account, transactions are slow, just deposited a check that will take 5 days for availability. The absolute slowest bank or credit union mobile check deposit there is, come on it's 2022.


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For 40 years PenFed was my “go to” lender. After negotiating a loan & term online, drove 60 miles to pick up check & they had changed the interest rate & electronically “forged” my signature on forms.


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Penfed Credit Union allows customers to initiate a Non-Fraud Card Dispute process on a credit card transaction. However, they do not take any action and the dispute is always closed in favor of the merchant. They say that they can only handle fraudulent transactions. I have never seen this behavior from a credit card company. Also, they miscalculate the statement balance and keep tacking interest charges and finance fees. I email their customer service ahead of time indicating the statement balance calculated by me based on the transactions for the previous statement cycle. I do not get any kind of confirmation. After I pay the balance, they add interest charges and finance fees.


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I would caution anyone from ever using PenFed Credit Union for their Mortgage. Our initial call with the Loan Officer went great and they locked us in for 45 or 60 days at a rate lower than market value which appeared phenomenal. We put an offer in on a condo and PenFed claimed they may even be able to close in 25 days but guaranteed 30 days, which was great! Then the trouble began:


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If I could give it no stars I would. Beware of their conditions! They take forever to close an account. It's been over two weeks and I still can't get my money. I have two cds with them and I need the money so I have to close two of them. They dont tell you that if you have to break it before the term, that you lose all interest and if it's over 365 days, you get charged not only all the dividends and interest you made but the amount that you would have made for the term of the cd money market so now it's eating into your principal! I had money transferred from another bank into their savings account and then opened a cd money market with it. Now I can't get my money back for 60 days until money has been transferred into an account with them for at least 60 days. I am fed up. Who does that. Beware!!! Everytime I call or send an email, I am told to wait another 10 business days. I am just warning all of you out there, do not put your money in Penfed!


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I have been with PenFed for about 3-4 years, I always accounts in good standing, banking and savings, and I never missed any payments. All of a sudden I keep getting late charges from PenFed for payments that I ALWAYS made on time. The past few months every time I've made a payment I get a system error, but then eventually I get it to go through. Then when I go back the next month to make a payment on my credit card, the payment I made is gone, and I'm charged crazy fees, which equate to 4 x what my payment was. I'm curious to know how many other people have experienced the same thing for several months now. I can only imagine how much all of those fees add up to. 


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- In person was not very customer service like. Rude employee who assisted me in applying for an auto loan for used vehicle. - Today 20220505 I spoke with an employee on the phone about several questions with my pre-approval loan and she was rude as well. Not to mention that when I was asking about which APR I would select and what my payments would be for the used auto loan, she informed me that my loan was a new auto loan, and that my rates would be different.


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As a Pentagon Federal customer for the better part of 20 years, it is startling that people that are obviously barely employable have access to financial information. The hoops and the nonsense and the button pushing and the waiting on hold is insane. It took me 45 minutes to get connected to a 'mortgage officer' and once I gave him all the information I never heard from him again. I emailed, I called, I emailed, I called.


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They made a mistake when reversing a fraud charge at the same time they were converting from one accounting system to a new one. They put the charge back on my account and 6 months later I still cannot get anyone to actually fix it or that knows what happened to actually call me back. Their customer service reps are very low functioning and seem completely untrained. Always several transfers to someone else that I then have to re-verify with. They are a nightmare to deal with. 


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After over a year of trying to close my autistic younger brother's account so we could deposit the money in a court-ordered trust fund, they finally sent the check, to the wrong address! This sojourn started over a year ago when my mother died and her estate went into probate. After supplying PenFed with the court order placing myself and my brother as co-guardians and co-conservators of my autistic brother's estate, plus all relevant information, they continued to drag their feet on liquidating the account month after month. Finally, they mailed the check on April 2nd of this year to the wrong address after they had been supplied the correct address well over a dozen times as well as it being recorded on the court order! As the title sums it up, the level of incompetence is unprecedented. If you open an account with these people, be aware that you may not be able to close it without playing musical chairs for the better part of a year.


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My experience with these PenFed employees was terrible. Angela **, Megan **and Brandi ** don't know what they're doing. Angela is a Mortgage Processor, Megan is a Digital Mortgage Loan Officer, and Brandi Balch is a Director of Mortgage Operations. Unfortunately I had to do their job. We were supposed to close on 03/11/2022, but since Angela doesn't know what she was doing, she submitted my documents late to the VA. Obviously, VA has its own rules. I had to contact the VA loan department to get information that the lender was unable to obtain for some reason. Then I had to email them the information the VA gave me. Also, they do not verify the documents you send them. Why am I saying this, because when I contacted the VA, the officer told me that the Closing Disclosure was unreadable. PenFed has a good rate, but these mediocre employees raise your blood pressure. Buyers should be aware of these mediocre employees.


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Pen Fed Loan Officer had me pay for an appraisal for $580 then told me my debt to income ratio would not permit loan approval. I clearly explained my income reduction due to COVID impacts on my employer out the gate because I didn’t want to waste time. After charging my credit card $580, the loan officer then told me underwriting wouldn’t approve the refi and that I should not have been required to get an appraisal because they knew my debts and income long before and had analyzed it. They stole my money, wasted my time and lied. I will NEVER spend money with them again although I’ve been a member for 30 years. I withdrew all my money and deposited it in another institution. PenFed is a fraud, the loan officer is incompetent and they’re both thieves. I hope everyone takes their business elsewhere. PenFed is criminal.


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I've had an account for over 20 years, and what I've found is that their app always has problems and $250 dollar checks take an entire week to clear. I don't know how anything takes a week to process in this day and age.


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PenFed uses the acronym "credit union" when in fact they do not help anyone lower income! I have perfect credit and was looking to refinance my home with over 200k in equity. I have been receiving emails almost every other day from Penfed asking me to refinance with theme, they will even offer $500 at closing and no closing costs to try and bait you in. So I finally gave in and applied, most of my income is rental income which my loan processor told me I should not include on my application? I knew that was a mistake, but I went ahead and of course was eventually denied by the underwriting department because of excessive debts relating to income without any further communication from Penfed. SAVE YOURSELF the aggravation and apply for a HELOC or look elsewhere other than PENFED!


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Pentagon Credit Union redesigned their website and now it is not user friendly. It is difficult to make a payment on a home equity loan. If you click on make additional principal payment it removes the standard payment for principal and interest making your account delinquent. It looks like you must make the interest and principal payment, then log out and log in again to make an additional principal payment. I am not happy with their website.


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I have over 25 years of investing experience and secured over 40 loans from 20 banks other than PenFed. I have never witnessed such incompetence, never experienced such a lack of basic communication and never received such abysmal treatment as I did with this company. The following are some warning highlights based on my personal experience. Failure to head them MAY cause severe financial upheaval as well as destroy your ability to buy your dream-home...


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My husband and I just closed on our refinance with PenFed, which we used based on a friend's referral for a good rate. While we did get approved for a decent rate, the experience after the initial quote was absolutely horrible. I'm not sure it was worth the .2% we saved. Our loan process began on 9/24/21 and was consistently delayed despite our providing every requested document in a timely fashion (4 months to the day!!). The loan processor was rude, treated us like a chore and like she didn't have time for us because she was just so busy (like we don't have jobs), and always tried making up a zillion excuses as to why she couldn't manage our loan properly. 


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Well it used to be 4 stars - but that is because I never asked for more of my $ than the ATM can give out. December 9 I took almost a 100K check to Pentagon Federal Credit Union on Miramar Rd. - because they had refused the wire transfer from the mortgage company. I requested a large cash out from that check. It is December 28 and this cash out has still not been successful! Pentagon Federal on Miramar Rd as well as thru the 1800# has consistently failed with any pro-active customer care, situation ownership or active problem solving to attain the resolution of simply complying with my legal request to access and possess my legally earned earned funds in a cash form.


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PenFed, Worst credit union ever, their system is screwed up and removes a number from my account in their system when they try to take a payment. I've made them aware of this after spending HOURS ON THE PHONE with customer service, twice they've made the payment on the phone with the correct account number but when they try to process it through their system it gets screwed up, twice I've initiated it online, and even though it's stored correctly online, same thing happens.... SO MY PAYMENT NEVER GETS MADE, YET NO ONE CONTACTS ME ... IF I DIDN'T PAY ATTENTION THIS CRAPPY CREDIT UNION WOULD RUIN MY CREDIT SCORE SAYING I MISSED A PAYMENT, EVEN THOUGH I'VE MADE IT 4 TIMES!!!!


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My recent experience with PenFed mortgage financing was awful and I would not recommend them at all to anyone. I started my loan process back on August 9 and at that time, I was told that the typical time to close was 60 days so I fully expected that PenFed would be able to close this loan by the middle of October at the latest. Since August 9, I have submitted and resubmitted all of the requested supporting documents and attempted to stay in regular contact throughout the loan process with my loan processor, rarely receiving a return email or phone call. For every request from PenFed, I responded immediately after I was asked and followed up each time. Conversely, PenFed did little to bring this loan to a close and rarely communicated with me. 


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We got a mortgage about a year ago. It was our first one, and we were prepared for it to be difficult, but it was a disaster. Constantly asking for documents we had provided. Asking the same questions over and over again. Something was going on where they didn't have much faith in us and this slowed down our loan to the point we had to pay the seller off to stay in the deal. Because of our experience our broker stopped using them, saying he had never seen such a qualified couple have such an issue with a lender, going back to 2008.


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After being approved for a $20,000 loan, receiving the check, depositing the check into a savings account with their institution, transferring $2600 to an external account and twice making $999 Western Union transfers to my granddaughter.,,suddenly just out of nowhere my identity needed verification again. I had been in the hospital and my Social Security card had been lost but I was told that along with my government issued ID and utility bill some kind of tax form would work as verification of Social Security Number.


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Like Jennifer who reported in August 2021 she felt that the Penfed customer service dept is disjointed and on something (paraphrasing her review), I too felt the same way. Something is very very very wrong/off with Penfed. This is NOT the Penfed of OLD but the Penfed of new and this is a wake up call to upper management to check your front line. Your customer service reps are TERRIBLE!! They don't answer questions, emails correctly. They constantly hang up on you. They don't show any empathy. Based upon my own personal experience, they don't have any respect for the customer. We're just another number to them and they don't care what they tell you. 


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I received a flyer from PenFed saying I’m preapproved for up to $30,000. (And I have an account with them but bank with USAA.) Decided I would get a personal loan for $10K to pay off another higher interest loan. First, their website…On your phone and probably other hand held devices…primitive, lagging and all kinds of issues. It’s 2021 and you don’t have a website that can work properly?? That’s a good clue to probably stay away. After several tries I finally sent in the information to be approved or not. I understand that they do a soft pull and see I could possibly get this loan but not a guarantee. After hitting send You’ll get the standard “you will hear back in 24-48 hrs on our decision”. 


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I am seriously at a loss for words at the way I have been treated by this company. Not once, not twice but three times now!! I should not write a review now as I am still so angry. Dealing with the people who work in member services, (toll free number), is like dealing with two year olds who are in their own world. It is like dealing with zombies! I ask a question and the responses are not even related to the question! Are they on drugs? I'll write more later. I am too ticked off right now and I very very rarely post bad reviews but this company should be ashamed of the way they treat people. The people who are training and doing QA need to be fired, along with the employees. I am closing my accounts ASAP today!


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I have been very frustrated with PenFed regarding my loan for many reasons. First, I have reached out via phone call and email several times to have a supervisor contact me and no one ever did. Eventually my loan officer reached out to say the underwriters were still processing the loan and never explained or apologized for the delays. The loan took 5 months to close! I always provided all documents within in days but then it took weeks to review then ask for additional documents. This process was a torture. I finally signed the closing documents then it took 11 days to send funds to my old bank and 2 weeks to send me my funds which was suppose to be overnight!


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Started a refi application in March 2021. I checked with Penfed being that I have an auto loan and cc account with them all in good standing. The penfed employee was great, took tons of personal info, pulled my credit, etc. and was approved by penfed confirmed by the employee. The employee said I would be contacted by another employee with further instruction. Well that's where it went downhill. After about two weeks I'm asked by a loan officer for a ton of information, most of which was submitted with the initial application. Send in all the info, two weeks go by then another loan officer contacts me requesting the same info, submit all the info again, two weeks go by then another loan officer contacts me requesting same info, now I contact the initial employee expressing my concern as to what is going on. 


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The rates on deposit accounts are above average. Customer service falls incredibly short. Expect to wait 15 mins+ each time you call. I had a credit card charge that was disputed, as the merchant put in writing I would be refunded. With this in writing PedFed said “There is nothing we can do, and at least it’s only $112 lost.” Really? I immediately transferred all accounts $25k out… Trust is a major factor of banking and if I can’t trust a small issue to be handled, I can only imagine the maze with larger concerns.


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We decided to refinance our home after 17 years and decided to go with Penfed. The loan processors were great until we decided early in the process to cancel. Now Penfed refuses to return our calls regarding our $490.00 appraisal fee.


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Bad bad bad! They said I was approved for a credit card, but still have my account as restricted. They keep telling me I have submitted all required information but keep asking for documents I uploaded already. It has been over 90 days!


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I wish I could give a NEGATIVE 5 star score. I have been a member of Pentagon Federal since active military duty in the 1980's and in the past I had no issues with their customer service. Recently I decided to refinance my mortgage with them. I spoke with a loan officer named Rocky, who seemed like he knew what he was doing. He offered a great VA loan rate and I decided to go through the process. He never discussed locking the interest rate and I was shocked when many weeks later the loan processor called and questioned why the rate had not been locked. This step had not been discussed with me and I was made to feel that it was my fault for their lack of attention to detail. 


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Had a horrible experience with PenFed Mortgage Department, I was on hold for a long time every time I called them and the loan officer “Randina” was totally useless and unprofessional, she never answered any of my question correctly, although I sent her all my documents ahead of time she never done her part to qualify me right, I worked with her for 2 months before I get into contract and sent her everything she asked me, when I actually got into the contract and after paid $300 to do the home inspection she told me that they can not get the loan done, she wasted so much of my time and not only that I paid for home inspection for no reason. I have many emails in writing from her that she confirmed that I am good to go for the loan.


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Don't leave a bad review. They will drag their feet and become more inept. My wife and I are trying to refinance our home, but once we hit 140 days waiting to close, and for them to do their jobs, my wife wrote a review saying that they are slow. Know today, we hit 183 days!!! We have an email telling us closing would be in a few days. THINKING it was finally over, what happens they never pulled the title. BLOW US OFF. NOT EVEN A CANCELATION EMAIL, NO PHONE CALL, NOTHING!!!


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I started the VA Loan process on 9 June 2020 and received a closing date of 10 AUG 20020. I was contacted a few days prior and told that, “due to covid” the closing would be postponed, but my rate (2.5%) would carry until closing. I requested an increase in the loan percentage, I borrowed, and lowered the APR, but all paperwork was completed by 7 OCT 2020. It’s now 16 FEB and the closing dates I was given (one at a time) “the end of January” and when that didn't work, “5 FEB” have both passed, uneventfully!


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We started a home loan with PenFed in July with a closing date of Dec 31, 2020. They waited until Nov 15 asking for a ton of information, to process it, which we provided. Then on Dec 2, 2020, they tell us they can not get an appraisal done before closing which meant we would lose the house. This left us scrambling to find a new mortgage company with less than a month of closing. Very bad service with no concern to help with this.


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They froze my debit card for unusual charge to a vender that I make monthly purchases from. No text, call or email asking to verify purchase. Instead you have to call and wait on hold for about 30 minutes to get verified by one agent then they transfer you to another agent who you are placed on a long hold again. Then you have to verify as well with that person and start over like they have no idea who you are or why you are contacting them. This was a huge time consuming process but I could deal with that. These things happen especially this time of the year. 


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Sad to report that PFCU mortgage let me down. Once a place to get great products and service no more... I have been struggling since July 2020 on a PFCU equity refinance. The PFCU mortgage folks found a great 15 year fixed solution for me. The problem, it took nearly 5 months to close. Now the refinance with PFCU to a fixed 15 year is finally closed November 13, 2020 and we were able to payoff the first mortgage, the PFCU equity line, and a PFCU VISA card balance. Pretty awesome...


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I would greatly appreciate a reason why my wife and I can't get a straight response from PenFed for this awkwardly long refi process. We have made financial plans based on the constant coming and going of closing dates we've received for the last seven months and it's deflating. We have made numerous attempts to get in touch with someone and when we did, shortly thereafter the contact stop. This experience has been so disappointing compared to our previous transaction with PenFed. I'm in finance with my work and the way my wife and I have been treated currently by PenFed is totally deplorable. At this point, it is beyond getting the refi request to feelings of being disregarded, disrespected and totally neglected. I'm sure, in the past seven months business didn't stop for PenFed, but for whatever reason PenFed business stopped for us. Prayerfully, someone from PenFed will give my wife and I some clarity or closure. Thanks.


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So for many years we were highly satisfied customers not Belvoir Federal Credit Union... then Penfed (initially we thought the 2 merged, quickly realized that Penfed took over.) We also realized that we were dealing with the “Kmart of banking”. Familiar Tellers were gone with young or foreign born replacements, void of the basic customer service skills we had experienced before. Long lines, unexpected closures, no working ATMs, etc. now I’m sitting in a drive through line with 10 others cars and finally. Considering a bank change ASAP after an unannounced week long closure where a note was posted on the door with no reason that they would be closed. I’m done. I’ve voiced concerns before with no service recovery efforts returned on their part???‍♀️ Do not even consider trusting your money with this organization.


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Over 5 months to get a simple refinance in which Pen Fed is already the mortgager. No one calls back. Suddenly added points to the loan- saying lock expired- and wants me to pay for their incompetence.


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Penfed Credit Union was a great decision. Jeremy ** was our loan officer and if I could give 10 stars, I would. He was great and very helpful in the whole process. Not only did the rate beat every other rate, but Jeremy also took time to answer my texts, emails and calls to help walk me through every step of the process. He responds quickly to all of our questions and was a great help on each and every step of the entire process. I had an amazing and impressive customer experience because of Jeremy. Highly recommend Penfed and Jeremy in particular! Thanks to both!


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Factual. Approved in 2 days on 10/06/20. As of 11/14/20, no funds have arrived. Multiple calls, I stopped the check 11/6 requested a replacement. They said sending Express mail. Still no check. Pmt due.


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I applied for VA refinance of my home on June 8, 2020, and had my VA appraisal completed on June 16, 2020. On July 2, 2020, PENFED after advising my loan was approved advised they had everything to process my loan. I paid for my the appraisal and began asking for a closing date. The first excuse given by loan officer was that my loan was low priority because it was not under contract for a home sale. The second excuse given was that the loan officer takes 60-70 days to close a loan. Then I was told on September 16, 2020, my loan was sent to underwriting, this was relayed by the third loan processor assigned to my loan. Twenty seven days later the loan officer claimed the loan processor had completed my loan and it was ready for submission to underwriting. 


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Worst customer service ever had...Each day different stories from different people. They dont have any knowledge about what they are saying. I was reported ID theft numerous times for 2 credit card fraudulent charges but they never took serious about that. Now they are reported one more credit card opened in my name so total 3 cards (credit limit 90k..cant believe) now charged off and 2 previous cards they sold to UHG I LLC. Now I am facing legal issues for those cards' fraudulent charges because of Penfed's negligence not taking any action even after I reported ID theft, I am suffering now.. mentally, financially, emotionally and they screwed my credit file. They threatened me by calling to pay the cards even if I reported ID theft. They are irresponsible due to ID theft for those 2 cards they got paid by Insurance according to Penfed rep., but now they are denying what they told me.. STAY AWAY FROM THIS SCAMMER!


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I had back to back BAD experiences with Penfed over the past months starting with their mortgage department. I just needed a final quote for the closing on our house 9/8/2020. The title company had sent them a request (with our signatures) more than 3 times, several weeks prior but no response. Long wait over 4 hrs and whoever answered cannot help me anyway. I was the one who actually solved the problem when I mentioned to the customer rep to guide me through the new mortgage system they touted on the phone while I was waiting for someone to answer. Lo and behold, the final quote was in a letter form along with instructions for the title company what to do. They need better training for these customer reps. She did not even offer to check the new system. By the way Penfed's new mortgage online system is excellent. 


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I only gave 1 star because there is not another option. Negative 5 stars would be fair. We refinanced our house and a month later, PenFed bought the Mortgage (I hate that this can happen without consent from us, but...). Before our first payment was due, we got a notice that we had an "escrow shortage" and needed to pay or have higher monthly payments, so I paid the shortage after taking several weeks to get in touch with someone. I was told our payments would be the amount listed on all the refinance paperwork since we had paid the shortage. The first payment we made has been the only payment that was the amount our mortgage paperwork states. 


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We applied for a mortgage on the 24th of July. It is now September 16 and we are in jeopardy of losing our sizeable deposit due to the terribly inefficient processing and managers at PenFed. We had a 45 day closing window and we were told that we were on track. Excellent credit and 26% loan to value. File sat around for 3 weeks before anyone looked at it. We asked all through the process if more info was needed. No, as no one had looked at the file. Email today stating that they are meticulously reviewing the file, which means that we are not closing due to PenFed taking on way too many applications. Run, run away from this credit union. Their emails are vague and do not answer the questions you ask. We will never deal with these folks again.. The company is not staffed well so applications sit around waiting, no matter how much you impress on them how timely this is for us. Absolutely terrible workflow and terribly inefficient.


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If I could give PenFed negative stars I would and I recommend everyone choose any other lending institution than PenFed for their banking needs. PenFed has been the worst experience I’ve had with any company, and especially with any lending institution. When opening the account, the representative made multiple mistakes and asked for documentation that was previously provided multiple times. Further, the representative stated the process should only take two weeks and the process took well over six weeks to complete due to the representative’s delay and incompetence. I should’ve taken the representative’s incompetence as an indication of things to come, but I was a couple weeks into the process and I didn’t want to start over with another bank. 


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So we are in process on a new purchase home loan. One week after applying for loan, we finally get request to pay for appraisal. $490 paid same day. Now, 4 days later, we get notice that appraisal is $700. Unacceptable. The home is a brand new home, in a community 90% sold. It is selling at a price the developer is selling a new home at.


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Opened account to buy used car - easy process and set up because it was automated online application. They DO have best rates on everything but if you can stay with the checking/cc side of finances you will be good. Avoid the mortgage department - financing or refinancing your home - absolute nightmare of ignorance and lack of professionalism: you will spend days waiting on the phone; if you leave a message you will never hear back from anyone. Save yourself the headache. Those agents must late their work or are paid to do nothing (since PenFed has no closing costs).


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PenFed has continued to hit lows in all aspect of service on our mortgage -- right back to the application. Every month we pay a little extra as a principal only payment and EVERY MONTH they misappropriate the money. This has happened at least 9 of the last 12 months and EVERY TIME I have to spend hours on hold and wait weeks to get them to fix their errors. I send the payment in with "PRINCIPAL ONLY" written on the check, accompanied by a letter that says "PRINCIPAL ONLY" and every time they put money in escrow and double charge me interest for the month (since they've already taken interest out of my normal payment). EVERY MONTH I send it multiple emails, letters and wait on hold for 30-60 minutes (I'm not exaggerating) only to be told that they'll have to open a ticket for someone to look into it and then it takes days to weeks to get the money paid back to our principal. I HATE THIS COMPANY!!!!


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First off, I currently have a used auto loan with PenFed. I have had the loan since 2017 for a truck I bought, and everything has been simple - until now. I applied for a loan on a classic car from 1971. The loan amount was about $16,000 after I paid for some in cash, and I was pre-approved right there on the spot. The car is a completely rebuilt classic with only 2,400 miles on the new engine and transmission. The car is in pristine condition. 


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I have been with PenFed for over 20 years, going back to when I was in the military. PenFed was a good deal 20 years ago but they have failed to keep up with the times. The first issue is PenFed is unable to deliver a functioning mobile app. This is no longer a luxury but a requirement. Paying bills using the mobile app works maybe 10% of the time and the app usually requires 2-3 restarts just to be able to view transactions. After complaining about this to the bank I was told to use the "web browser. It works fine". I know the web browser works fine - I want to use the mobile app that you gave me that doesn't work... I am tolerant of bugs in apps and that they take time to correct but this has been going on for 2 years. The app is garbage. Where does the $60 per year online bill-pay fee go? 


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I have never dealt with a bank as bad as this. The hold times on the phone are insane. They will fee you for ANYTHING and everything under the sun. Even if it's THEIR fault. The menu to even get to a live person is clunky and deliberately made to make it hard (they want you to use the automated system). I was so fed up with PenFed that I asked them to do a ACH transfer (ALL MY MONEY) to Chase.


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My NRA card account was taken over by PenFed. The first bill I got from them said my payment was past due. I never carry a balance. Paid in full immediately online and submitted a complaint. Got call from their robot the next day with message to call. I called thinking they wanted to discuss my complaint. Nope, they said my account was delinquent and they wanted payment. I told them I paid in full yesterday. They argued about it. Finally after several minutes they were like "Oh, there it is, now I see it." No apologies, condescending tone, their auto pay options are so lacking compared to other cards I have. Like simply a selection to draft my account for statement balance. 


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Let me tell you something. This bank is living in the stone age. The customer service hours are terrible. The customer service representatives are not helpful. They accused me of fraud because I applied to open a joint account with my grandmother. They put my money on hold for a week and counting. They asked for extra information. I gave it to them and I'm still waiting to have access to MY money. They don't return phone calls. I also cannot bank in person or online! They blocked me from my own money. The moment I get my money back I will close every account with them. Never again.


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Took at an auto loan at the bank. Everything started smoothly and suddenly that changed. I closed my checking and savings kept my low interest credit card. For some reasons the bank will not surrender my title.


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I have had the worst experience in my life with PenFed's Mortgage process. First of all, it took them 4 months to complete my loan. This should of been a big sign, right! I could not get a response on the status of my loan via email or voicemail. Apparently everyone is in different States that you talk to. My loan was re-started by 2 loan officers because I guess the person doing my loan quit. Well, I finally got loan approval, however they included my Condo (personal) insurance in the loan. Condo HOA's pay the entire homeowners insurance for everyone and individual homeowner insurance is paid for by the individual. I pay this on my own. I called Penfed to take this off of my monthly invoice because I already pay this on my own. They told me over the phone to request this be removed from my impounds via email, which I have done 8 times. I have also sent them a letter in writing, still no response.


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I cannot express how TERRIBLE THEIR Customer service has become, GOOD LUCK getting anything done by email or phone, and be prepared to be on hold for a long time when you call. The latest screw up, I was closing on a property and arranged a wire transfer. The wire department said all was good to go. Next day, I'm about to close on the property and I see the wire hasn't happened. Couldn't even get a simple wire transfer right. If you need to do anything more complex than a basic account creation, it will be hell on earth getting one. Perhaps it's not too difficult if you are actually in their office, but for someone who lives in Florida with no nearby branches, it's SO BAD, I will be leaving them as soon as I can get rid of my loan balances. They used to be awesome for military and government members. Maybe they have downsized with the internet and cut personnel or new management, who knows, but I'm so fed up with them.


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Been a member for 6 years. Completed a mortgage app online and called several times and no one will call me back to help with a preapproval. Guess this place is very relaxed and not hungry for business. I mean what bank or lender doesn't want a mortgage loan. These people must not be paid on commission and their livelihood doesn't depend on actually working and providing good service. You call and all they say is, "Let me take your number and someone will call you back." They never do.


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Disappointing Phone Service. After over 25 years as a customer I can no longer recommend this bank. Unless you want to run a digital nightmare (being dropped after being told to wait for a representative, giving information electronically then being dropped) trying to get a phone call through, this is not the bank to deal with.


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I have been a PenFed member for over 25 years, they used to be a very good credit union but within the past five or so years I have experienced a declining customer service experience and an overall decline in competency. My reason for writing this review is in regards to a recent international wire transfer and the failure of PenFed to make the transfer.


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Had an question with my mortgage payment and while the service member didn't know an immediate answer, they did some quick research and made some helpful suggestions to resolve the problem. I felt like they were genuine and wanted to help vs. transfer me to person after person to resolve the issue.


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Our Family have all been PenFed members for years. While not the best, customer service which seems to be contracted out is absolutely horrible. Not to mention accounts have many fees assessed. Their website & app are so outdated. They don’t have Zelle or any instant transfer options to others. They hire Andrea McCarren to head a marketing campaign “PenFed Digital” yet their back office backbone IT system is like a dinosaur from 1990s. They say they help Veterans, yet reviews by Veterans, especially those deployed, who also have been PenFed members for years, of how badly Veterans are treated by poor inept customer service Representatives. Fees assessed can’t be waived until you hang up & call again & maybe get someone that understands & will reverse. 


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Opened and account and applied for a HELOC online. Never got a response other than an email stating that if I wanted information about their HELOCs to call PENFED toll free number. I called 3 days in a row trying to find out what the status of my application is to no avail.. Every time I called I'm told someone will get back to me, yet I have yet to receive a call.


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They are the worst.... I looking to close my accounts. On hold for hours. They are condescending and rude.... They try and control you after they are the ones that caused the anger. Can't even make a payment or get information without getting angry.


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A single start is too good for this awful credit union. Loyal member since 2013. Recently acquired about a checking account. Got a run-around, different stories, and lousy customer service. I am not sure why I even bothered because this credit union has been problematic before. Even with an 800 credit score. With so many other institutions competing for your business. Look elsewhere.


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I called Pended to initiate a domestic wire to another bank in my name. This call was placed on the morning of Dec 4th. The representative assured me that the wire transfer would go through after verification of all the information. Later that day, close to evening, I checked my account to learn that the money was still in my account. I called Penfed & after speaking to a representative, I was told to hold. After 10 mins of holding, the phone disconnected. I called again. Spoke to a representative & again placed on another hold. A few mins later, I was told that the wire should be going through any time now & to be on the lookout for it. I continued checking the rest of the evening & the money was still in my account.


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I have had an account with PenFed for several years. Last year, due to a divorce, I was forced to file bankruptcy. When that happened, without warning, PenFed cut off access to my DEBIT CARD on my checking and savings account IN GOOD STANDING with them. I immediately stopped all direct deposits going into this account and figured I'd just wait until my bankruptcy was finalized. 


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I joined in 2013 because they had the best deal on an auto loan. Very smooth experience. Since then I have a credit card, checking and savings account. Also a very good experience. I use their credit card overseas because they don't charge a foreign transaction fee.


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Well this bank tops the charts for the worst customer service I have ever received in my life. One star does cover it. Waited about a month for a replacement debit card as I watch my cash sit in a bank I can’t access. There should be laws against this. Think twice before using this bank. You’ll be talking to them about problems more than you’d like.


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For three days straight I have called PenFed Credit Union to get information on a HELOC Program and each time I am told that all the loan officers are busy and because my call is important they will forward my information on to the mortgage department and they will call me back as soon as possible. In three days I have yet to receive a call from any mortgage officer.


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Pentagon Federal Credit Union has changed for the worse. The customer service of simply deplorable!!! They’re extremely rude, and insensitive to the customer needs. I’ve been calling for two weeks to determine why they’re NOT receiving my loan payments from my banking institution. However they’re the least helpful! My banking institution shows paid but of course PenFed can’t assist; they have various PO Boxes so maybe some of the issues are the damn boxes. My loan will not be into week three showing LATE and more than likely they’ll send out to the credit report. I’m in tears dealing with PenFed and I’m working to loans from them to my other credit union in an effort to continue holding a very good credit rating. I’m working on a story trying to sale it to the media who will hopefully investigate this institution; it should be CLOSED PERMANENTLY!


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I am moving back to the US from an overseas assignment. Got my orders, ready to purchase new car and potentially a new home. In order to check rates and potentially use PFCU, I applied for their membership. They state they will do a "credit check" to open a membership (just like other banks); however, they do NOT clarify that it is a HARD PULL. Every other bank I have dealt with (USAA, NFCU, BOA, CHASE, etc) DO NOT do hard pulls to join their bank. I DID NOT apply for any of PFCU's loans. I called their customer service rep and her supervisor, and the explanation they gave me was that it was a requirement by the Patriot Act. What a Joke. No other bank does it but they are required to do so? So, thanks to them, now I will potentially lose lots of money for having a horrible APR with multiple hits on my credit. Thanks for serving your customer base Pentagon Federal Credit Union. You should be ashamed of yourself.


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I applied for Pen Fed credit card with 0%, to move some balances from my other card (already have one - it was application for second card), my credit is a little down due to some balances, so I got declined, oh well I understand. A few days later I recieved a 25.000 check in the mail from Pen Fed. (Here take it. Pay down cards.) It was a great response from Pen Fed, even though I have to pay interest and it is not too low, but I got all my debt in one and my credit will be up because loans don't affect your debt on the credit as much as credit cards, so as soon as it goes up, I'll have doors open for many options how to save money, refinance and have not much debt.


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In the 1990s I was 20 years old in the Army and opened a PFCU account since they were there in the building I worked in Northern Va near the Pentagon. This was literally the worst experience ever. I requested a car loan to take advantage of the good loan rates, they quickly denied it and said I did not have enough credit. So I got a new car and the loan through the dealership which was nearly triple the loan APR. I paid on this loan with no late payments for two years. I also had a Good Year credit card and paid off a 1000 general purpose loan I use to buy a PC to help with my college work. So then I was 22 and felt proud of the credit I had built up with 0 loans from PFCU. 


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I took a vacation to Iceland this weekend to celebrate 20 years of service in the Department of Defense. I served in the Army and Navy and now Civil Service. I forgot to do the travel notice but I thought I could just call the bank when I landed. I tried all the numbers on the back of my card and to shorten the story none of them worked. I email the bank 8 times because every response gave me a 1-866 number that only allows to do the online services but none lets you do an on the spot travel notification or unblock your credit card due to using in Iceland. 


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Terrible interest rates. No one there cares about anything. Disorganized, poor customer service. IRA department cares nothing about your account. I just transferred a IRA CD that matured and they send to the other institution in just a regular envelope. Not an e-mail to me, as to what they have done. No calls, no letters, nothing. Like I didn’t exist. Nasty people in IRA department. Biggest mistake I ever made getting involved with them. I have lost thousands. I recommend stay away from them.


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I would give People need 5 stars for customer service and varied choice of savings and CD accounts and they offer competitive (usually higher than most on line banks) CD 6 months and 1 year rates.


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Their support people were great on the phone but then failed to help and follow through on requests on several occasions. It has been next to impossible to get my IRA transferred after 6 weeks of trying..


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Don't buy GAP insurance with these guys. You will never get it back partially if you pay your loan off early. Most companies and banks will refund your money when loan is paid off earlier than its original term. These guys Won't after 60 days from original loan date. They will also charge you High interests and insurance Fees if you drop full insurance coverage even if you are not using your car. Stay away if you like headaches. They are a Pain to deal with. Better off with a normal Bank.


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You sign in for service other than teller service. However, there’s no REASON FOR VISIT or ARRIVAL TIME on the sheet.... That’s your first clue they are not customer focused. No door on the offices, so we sat in the lobby area listening to an old man giving someone on a speakerphone his personal data. We heard clearly the entire conversation between the two.


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A longtime ardently loyal Penfed customer with 824+, pays cards in full often early each month, never missed any payments due even while on extended distracting trips abroad, yet yesterday & today decided to end a multi-decades primary banking use of this deteriorated institution. Their seemingly backhanded hidden unilateral profit-squeezing actions from, what I firmly believe in my firsthand accounts, the staffing of untrained, incompetent, at least twice outright lying or grossly fabricated & inconsistent query responses by supervisory level staff, has finally pushed me to not hold any sense of trust or honesty in their operations or my fiscal holdings. 


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Today, my using PFCU for most of my banking needs has stopped!! First let me state that I have been with PFCU for over "40 years" -- yes, that's right -- 40 years!! Now, in those 40 years I have bought homes, new cars, new boats, vacations and etc.... I always pay off the balance of these charge cards in 30 days and maybe 60 days -- sometimes. My credit score is right at 800. I am taking my granddaughter to Disney in September. I have two Visa credit cards with them. One has a limit of $16,000 the other has a $9,300. I want to use the $9,300 card for the trip. So, I called to extend the limit on the card to $16,000 -- just like the other one. We are only talking about $6,700 more?


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A long time customer with PenFed and holder of my mortgage. I was given an opportunity, I thought, to do a few upgrades on a low interest Signature loan. Now I’ve never been late on anything in my life and have a FICA score near 800. They approved my request for $5000 dollars only. I agreed to an ACH for to have payments made from another credit union checking and deposit the check to the same account. I found out the loan was approved by looking at my online account and finding a deficit of $5,000 ready to receive payments. I then found out online they had attached an interest rate of 14.99 percent. More than twice of what I was expecting and never called to see if I approved of the higher rate. 


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Cd's have changed. I will pay one year's penalty for breaking a long term cd, but not a penny more. They have also made the penalty complex to figure out without a calculator. I don't think they offer the 5% cashback card on gas anymore. I expect a letter in the mail telling me the card has been canceled. PenFed has become useless for me. It's changed. Hope it's easier to close the account than to open it. I'll likely just leave the $5 in there till the end of time. I hope I don't have to fax a copy of my SS card, dr. lic, and mother's CT scan.


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I've been a customer for over 15 years, first with Belvoir Federal Credit Union and then with Penfed after they acquired BFCU. I applied for an auto loan and was rejected. My credit score isn't the greatest, but it's far from bad and I don't have a lot of outstanding debt. "Penfed's got great rates for everyone"? I call BS. Everyone with impeccable credit, maybe. At the very least I expected to be approved at a higher interest rate. Had to go through the dealer. I'll be shopping around for another bank very soon.


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As a long time member with almost $40000 of my money in accounts, I received a letter with a offer for a personal loan with an interest rate of 6.49%. I decided to deposit the check that came attached. A few days later I received a package with documents to sign with a totally different interest rate. Called customer service. Was told to sign those documents ASAP. I informed them that I was not signing something that wasn’t agreed! Shame on them. Should I seek legal advice?


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I applied for a mortgage online and indicated that I wanted to be part of the real estate rewards program. I used the real estate agent PenFed linked me to as it is a requirement of the rewards program. I received very poor communication and customer service from my loan officer Blake **. He kept asking us for documents we had already provided him, was unable to answer questions we had and was VERY slow at responding to emails and calls. On closing day of our loan, I contacted him and asked when and how we would be received the real estate reward. He replied "I didn't know you were in the rewards program." I informed him that it was indicated on our loan application. Then he told us, "Well you didn't use the real estate agent we linked you to." Once again, I proved to him we did use the real estate agent that PenFed linked us to. 


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I transferred money to PenFed to apply for a credit card. After 6 days, two phone calls, two emails, PenFed customer service finally requested hard copies of Gov't issued ID. Home Depot issued me a credit card while I was standing in line at the register. I am a former customer since I canceled the application and requested a refund of my deposit. After some internet searching I discovered their reward points are not equal to other cards and there are redemption charges.


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I've been a long time happy PenFed Checking customer that would have given them 5 Stars on every website under every category. Today that all ended today. I had an NSF on a small ACH transfer. I immediately the same day went into to a local branch and deposited $400 cash to cover my error. I never even complained about the $30 NSF fee. Now, any check I deposit shows as unavailable funds for 9 business days. I'm just waiting for my last deposit to go out of unavailable status and I will close my account including my mother's large account that contains her retirement funds. I spoke with several customer service reps to fix the 9 business day hold, but they all concur in different language that their security department feels they don't need to do anything to keep customers. That's just bad business.


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I am extremely dissatisfied with the PenFed organization. Attempting to pay off my auto loan, I called them no less than 5 times to ensure the payment transaction went smoothly. Each time, I received different, and erroneous, information causing me to still not have a lien release. I was led to believe the release process would happen quickly. 


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I have been a PenFed member since 1973, over 45 yrs. I am in the process of closing out each of my CD's, credit cards and my mortgage to leave PedFed as soon as possible. What was the final straw? As an older retiree, I use CD's for safe, stable savings. In Sep 15, PenFed's board, seeing rising interest rates in the future, changed the early redemption penalty on CD's from the industry standard forfeiture of a max of 1 yr's interest to an punitive seizure of all interest earned. They seize 60% of the total the CD WOULD HAVE EARNED if held to maturity. That would be every cent of interest earned till approx 3.5yrs on a 5 yr CD.


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“BE WARE DO NOT BE DECEIVED BY THE LOW APR AND SWEET TALK DURING APPLICATION PROCESS”. 1, Customer service: they all have one answer for the entire Question? "We can’t provide that information at this time". 2, Managers never available and by chance you get them they will also have The same answer which is “we can’t provide that information at this time”. 3, Managers or the customer service people will not bring the credit reporting Department on line and they will simply use any excuses they can’t to waste your time until you disconnected the line.


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They have been approved transaction that I have nothing to do with it. I have give them a police report, they're telling me my money will be refunded to my account. This was from 2018 and I'm still waiting for someone to respond to my email or phone call. No one do anything for clarifying that issue, they pass the ball one to another. No one has explained to me how my account was negative more than 2,000 dollar from a debit card without a Visa or Mastercard logo. This card was used just for ATM machine and my balance was just 1,200 in that time. Now I'm paying back 4,800 in a negative balance and I'm still waiting for them to give me an explanation.


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Tried several times to reach a representative on the phone. Wait time 20-30 minutes each time. I also emailed my frustration along with my contact information. I received an email reply that “a representative would be contacting you shortly“. Three days later, still have not been contacted by PenFed Representative. Very bad “Customer Service”! I was trying to open an account but, I will not trust an institution like this with my hard earned money. I travel a lot, I’m very fortunate I found out how bad PenFed is while I’m still stateside. I will definitely look elsewhere. Only reason for 1 star is you must add a rating. “0” would be my official rating.


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Holy crap. They make it hard! Short version is they wouldn't accept my application online. Kept telling me the issue was fixed. Finally bothered to look into it, then told me I needed to apply via paper but never would answer my question about why, even when I told them the "why" would determine whether it was worth my time. Yeah, it definitely wasn't. Crappy customer service.


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My parents have an account with PenFed. A joint account. My mother passed away last month. My father told them about my mother's passing so they froze the account. His retirement and social security are deposited in this account. Isn't a joint account jointly owned? When my father told me of this today and I am furious. I feel this is an illegal maneuver by PenFed and just plain bad form. I told my father to call the State he lives in and file a complaint with the State Attorney. PenFed, you just might be fined for your actions. Shame on you. My father is 81 years old.


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PenFed is very difficult to work with. They screwed me out of points on a new credit card promotion. And you can never talk with someone. They only will email you. Very disappointing experience. Not happy with their customer service.


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Absolutely the worst experience in my life dealing with anything related to a mortgage or loan. After applying for a home equity loan and being harassed to supply documents that I've already given them and explained things over and over again, for days on end, they just keep asking for more of the same documents and for me compile more letters of explanation for everything under the sun. After more days of frustration, I gladly withdrew my application. I do not recommend Pentagon Federal Credit Union for anything.


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The loan was paid off and waited for my title in the mail, but never came. When called, I was told they already mailed it out a few weeks ago. When asked if they can trace it, and they said no. They sent out in regular mail. They told me to go to DMV and get a replacement title on my own cost. Nice!! Will never do business with this company again. Stay away!


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Have been dealing with PenFed for many years and they always offer top interest rates on their savings accounts. Also get pre approved credit card and loan offers frequently. Money is transferred fast and efficient between other financial institutions.


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What are these negative reviews I am seeing? Pen Fed has been the fairest bank I have dealt with. Customer service is great! It is all how you deal and talk to people. NEVER had one problem. Skip the negative reviews, give PenFed a try, you won't be disappointed!


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I have had numerous issues with PenFed since the 90s! As a single mom, I needed to be on a strict budget and "back then" I thought PenFed was the way to go. WRONG. In the past 10 years I have stressed over what they are doing to me. Just recently, after signing a "WAIVER" in 2017 to delete my flood insurance from escrow... what did they do?? Charged my escrow the flood insurance premium ANYWAY... and sent it to the insurance agency!! When I discovered it... they asked ME to send THEM the money back as it may take 6-8 weeks to get their money back from my flood insurance company. 


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An awful organization who don't care about what you are, all they care about is how much money you have, never again will waste one cent of time towards working with these people, PenFed is the worst credit union and it shows!


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I've received a personal loan and two credit cards from PenFed. Process with painless, polite and professional service, and received more funds/credit with Penfed than any of the others. The most highly regarded Corvette dealer in the US highly recommended them to me and he's been dealing ONLY with them for over 20 years. That said, your next car loan should be with Penfed. I don't make anything on this and I'm not related or affiliated with Penfed. I just read the reviews and had an entirely positive experience. Two thumbs way up.


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Since Pentagon Federal "acquired Valor FCU" customer service is awful and they do not have "real time banking." VERY DISAPPOINTED! Shame because Valor was a Great Credit Union!


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I requested a wire transfer of funds out of my account to my local bank account. Gave the person all of the information they needed - was told it was all set. Waited, waited, waited - funds never arrived. I call them back, and they have a record of me talking to someone, but NO RECORD OF MONIES MOVED, THE WIRE REQUESTED, OR RECORD OF WHO THE PERSON ON THEIR SIDE WAS!!! Could you imagine if one of their employees wants to commit a fraud with someone while on the phone with them?!?! They wouldn't know who it is!!! Tried to speak with someone of importance and was told they don't come in UNTIL 10AM (truly bankers hours). Then called back to speak to the president of the Credit Union, and they hung up on me!! Has to be the worst and least secure customer service I have EVER dealt with!!!


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Lost close to 80,000 points on two credit card accounts that I've had open for 10 years. Despite showing that the vice president a card services clearly indicated in 2010 there were "no limitations" on points earned in the accounts, PenFed put wiggle words in their agreement that they expire points yet failed to document this on statements, your accounts page in on my banking, or through online banking messaging. No one else in the credit card industry that I can find expires points on credit cards. No credit unions, no banks, new brokerage houses - except PenFed. Hell, the only loyalty program I can't even find that expires points is Wyndham. And those are loyalty programs, not credit card points.


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PenFed has probably the worst customer service. They put you on hold and leave you in the abyss for well over 20 minutes. They don't disclose their policies easily and even when they tell you a policy, such as ability to use one credit report as long as it is within 90 days, after 60 days they want another one. If you open a savings account the only way to transfer money out within the first 6 months is via wire transfer which could cost you as much as $60 depending on what your other bank charges.


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We have had a mortgage with PenFed for nearly 3 years and it has been the most cumbersome account. My husband and I own the home together and both of our names are on the loan, but for whatever reason, they opened the associated savings account under just his name. We don't use the savings account for anything, they just required it to be opened in order to have the mortgage with them. They obviously set it up wrong, since everything else is under both of our names, but they made an error and set up that portion under just his name. I still have to send in a check by mail every single month because we have not been able to set up online access with them. You have to have the member number in order to set up online access, but we never received a member number from them and we don't use the account so we have no need for a member number. 


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I've been with PFCU since the mid-90s; over 20 years. During that time, I have had 3 car loans and 2 mortgages with them - the rates are very competitive with cut-rate lenders who provide little or no service. PFCU Customer Service has always been there when I needed them, and never had an issue with account lockouts, etc., as described by other folks. Being the largest credit union in the world has advantages, too. Never had a problem accessing and using my PFCU cards and accounts overseas, and the exchange rate is better than what I could get with the money exchangers. Unless things change dramatically, I will continue to use PFCU as my primary financial institution. BTW - the PFCU website is very easy to use for billing paying, account information, requesting loans, and seeing what products PFCU offers.


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I have had multiple problems with the Pentagon Federal Credit Union and have experience terrible customer service while trying to resolve them. The last problem involved the bill payment service that resulted in a late fee because the credit union customer service could not resolve the problem. I spoke with five different people in two days and finally paid the bill with a credit card and I am closing the accounts I opened with Pentagon Federal. I do not recommend this credit union.


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I was harassed by a female customer care representative, she felt personal about my account and notarized copies of my documents. Just got my account opened few months ago. I am in Delaware on a trip. I used my atm debit card multiple times and in that effect I my card was locked which is weird to me, I even got an automated call from PenFed asking me if I authorized the withdrawal on my card and I said yes. I called PenFed and asked about my locked atm debit card and I was told I needed to send in some notarized copies of my ID's and utility bill which I did, I called back some hours later to know if they got the documents and some lady harassed me saying I don’t own the account, she was a ** on the phone and she even called back to harass me the more which sounded weird. I am still in shock right now if this is the way they treat their customer. I need and demand an apology and my card unlocked. Thanks.


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Horrible customer service on the phone, got impatient and hung up. Kept putting me on hold without telling me she was putting me on hold. Very upset with the way they handle customers through the phone. Impatient and rude, I don’t recommend even trying to apply here. It’s not worth anything.


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I've been with them for years. Any problems were taken care of immediately. Like their military 2% cash back on their Credit Card. Got rapid pre-approval on a potential car loan. Will have my daughter, who just graduated from USAF Basic Training, join.


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I have been a member of PenFed for several years and service over the phone nearly always been good (one exception was a car loan and an estate account that I will not bother to go into except to say PenFed will tell you one thing and then when it's crunch time says "we didn't say that.") Most recently I submitted a payoff request for a personal loan when I had the funds to pay it off. I noticed on the online provided payoff that it included an amount for credit insurance. I did not want credit insurance when I opened the loan and I did not sign the line to accept it on the promissory note.


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I am a US Veteran with a major health related disability. I have had a long relationship with PenFed; close to 20 years. The last 6 months I have been struggling financially due to several unforeseen circumstances and PenFed has went to town on me in unpaid overdraft fees, nearly $400. I have been rebated once, which I am grateful for even though I was given a hard time about it. The fees are excessive and have made my already difficult situation more frustrating. I had money in another account but they never cared enough to call or do a courtesy transfer. I Called 1-800-247-5626 today but I waited over 30+ minutes only to get disconnected; see pic below. Very disappointed! "Our long-standing mission has been to provide superior financial services in a cost-effective manner, while being responsive to members’ needs." Far from superior. Effectively places the cost on their members/customers. Barely responsive.


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I opened an account with $5. They gave me a tiny credit limit with a $500 credit score. After 2 months I asked for an increase. They asked for my tax returns. Within 1 hour they offered me a $20000 limit and now I keep $30000 in 2 accounts with them that pay more interest than most 1 year CDs. They also have great mortgage rates. My plan is to use them for my mortgage. I have never had a problem with them.


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I only created this account to write this review. Reason being, I just accidentally stumbled over a web link that showed review after review of negative comments or ratings towards my bank PenFed. I am shocked and amazed. About me: I am a retired disabled Veteran. I've served in two wars and would go to a third one if my country called on me. 


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I called to have money transferred from my Wells Fargo acct to Pen Fed. After a week and payment had not came out of Wells Fargo I called Pen Fed and the CSR stated that the last person doing my transaction had transposed a number. At this time the rep says I will refund late fee and do transaction again. Well he refunded late fee after trashing his co-worker but failed to post payment again. After calling 5 times and holding for over 30 minutes each time we got payment resolved. Then they put a manual hold on dep that had returned in their error and caused another return. Worse place I have ever done business with. Closing acct today!!!


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Purchased a new truck and had it financed with PenFed due to the low interest rate. I finally received a statement online to pay my first payment, however it does not have an account number or address. I managed to get one person on the phone after calling for nearly a week and they could not discuss my account without a pin. They mailed me a PIN number to use when I call. Now I have the pin and can't get anyone on the phone to get my "member" number so I can pay by car payment. My payment will most likely be past due by the time I get someone back on the phone. I also emailed about 2 weeks ago and have yet to receive a reply. This is a joke!!! Will never be using them again for anything!


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During the past four months, I have been dealing with PenFed on a refinance, line of credit and making a wire transfer. First it is very difficult to reach PenFed and at times even the main line is busy. If you get though, it can take 10 to 20 minutes to reach a representative. The mortgage representative was very good and after about 100 emails over two months, the mortgage was approved May 11, 2017. However, the process was very, very cumbersome. I then applied for a small line of credit. This was a horrible process. PenFed had all of my documentation from the mortgage application but kept requesting documentation they already had over and over. It is now June 19, 2017 and it still has not been approved.


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I was on the phone with PFCU for approximately 35 minutes try to get a skip pay. The first lady I talked passed me on to someone else. The next person I talked has me on the hold for approximately 10 minutes the first? Then put me on hold for another 5 minutes and then she passed me on to someone else. Then this lady had me on the phone for a while telling me I was close too on the date and she needs to talk to someone else, I stop her right there. The skip pay was for only 148.00. They has no problem in the past. I have been with PFCU for 33 years and this has never happen. Very dissatisfied!


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From day one I've been dealing with a lady by the name of Judy **. It's hard for her to answer any of my questions. She tell me one then days later it's something different. All I'm trying to do is understand what I'm doing, the type of mortgage I'm getting & the amount I need to finance with my down payment & she can't do that. She had the nerve to tell me ("I have 40 another customers I'm dealing with,") like my money & credit isn't good enough & don't matter. Really??? Maybe mortgage loan people or dealing with too many customers at one time. Not fair to the next person like me??? Supposed to be a great experience buying a house. Not this one, the worst. This not my first buying a home this my first financing one... This company will lose a lot of business because of nasty attitude & being rude to the customers. That's not how a company support to do business. My first & last time dealing PenFed for anything.


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Pentagon Federal closed my credit card when I was not late, and was paying on time. They said it was because my credit rating had fallen, and they had no information about what they were talking about.


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PenFed is described as very bad business. My experience with PenFed Credit Union was awful, unprofessional, several lost documents, given incorrect fax numbers and nothing but lies told to me...many apologies. I would never ever recommend this credit union. They recommend that I apply with joint and then faxed documents more than three times as well as emailed twice as many... Still couldn't locate documents then get e-mail from chief executive officer K.L. Myers stating that we need certain documents. I called to find out the decision wasn't good but all this time wasted on sending document after document for eight days when it only takes 24 to 48 hours for a decision... LETS JUST SAY PFCU IS BAD NEWS TO DO BUSINESS WITH AND I'M GLAD TO KNOW NOT TO GIVE THEM MY BUSINESS! Even after I've been told a decision I'm still receiving emails saying my application is still being processed...lol. Worst Credit Union ever. - RISING INVESTOR


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Retired, my wife and I have credit scores over 800. Minimum debt. Applied for pre-approval. Complied with all paperwork requirements and offered to withdraw more money monthly from savings to boost income if necessary, as we are able to live off little and leave our retirement funds alone. Told to just reduce loan amount request. Offered to put down 50% of purchase price. Denied! Then the clown asks, didn't I say I could increase my income? He resubmitted but I was told too much time had elapsed. Lesson learned - Don't conduct important business with near minimum wage call center employees or businesses that would ask you to.


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For the past 1 and 1/2 hour I dialed 8002475626 in vain. First is busy and then automatically cut off after few rings. Though I have in the past accomplished much when a representative talked to me, ** trying to call to no avail overshadows past good experience. TEAM PenFed: wake up your employees! Yes... 800 numbers can be busy but one and half hour is unacceptable! Never been so frustrated... And I sent an email, still no answer.


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In January 2008, my husband and I bought what was to be our retirement home. In May we refinanced our primary residence to get some equity out. In August my husband died. I kept up with the mortgage payments on both homes until 2010 when I decided I had to let the retirement home go. After having the house on the market for a year with no offers, I asked PenFed for a Deed In Lieu (a quit claim deed in lieu of foreclosure). They denied my request. When they had difficulty in the title search as part of the foreclosure process, they had the audacity to ask for my help, which would have meant hiring (and paying) an attorney. I said no. They said that if I did, they would "reconsider" my request for a deed in lieu. Notice reconsider, not approve. I declined.


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Comerica makes it really hard to manage our money. We have a HELOC through them and the online experience is horrible. They are not a bank that gives customers transparency. We want to pay down the principal and you have to be given a link from the teller (almost like a super secret code to get into a speak-easy). Then once you get the link, even if you mark to apply it all to principal they will break up your payment and apply some to interest if you pay on certain days of the month. There is a small window of about 5 days where if you pay on one of those days, it goes to principal (even if you have autopay set up to handle the interest). It just comes across as sneaky, and poor customer service. Go elsewhere!!!!


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I am a small business owner and I have been with Comerica since 2010. When I first started I had one credit card with a $2000 spending limit, now I have a $70,000 credit card. Over 13 years I believed, I built a relationship with my financial institution, but I have found out in recent days that it’s not so friendly to a small business owner, such as myself. I have never been late on a payment, and I’ve always brought my balance down to zero, which reflects in how I have achieved a higher spending limit. Instead of taking a loan this year to grow my business, I decided to use my credit cards which I’m finding out now is a huge mistake. For over six years Comerica was always kind because I could call every six months and get a promotional APR, which really helped me stay afloat and grow my business. So I had a time that I’ve spent a lot on my credit cards.


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My brother passed away and I call Comerica to inform them to stop all transactions and I would bring in the legal paperwork to show that I am the administrator of this estate. After a 3 weeks of phone calls and handled any response I final had to call the customer complaint line. Then I drove 3 hours to give me the originals and close the account and was told, "Sorry we need you to sign a form." After waiting 5 hours and the bank manager telling another manager I just want her out of my office because no one know where this form was. I was told to leave and they would call me back in 24 to 48 hours once they found this form. Ms ** the bank manager was extremely rude.


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Charging $3 Atm Fees & .50 Balance Inquiry Fees done in Illinois out of Illinois Child Support. Comerica Way to go is located in Texas. Illegally charging fees. Applc is online to view for proof. Type in Comerica Mastercard Child Support Illinois in Google Bar. I've complained many of times, each time I was charged (which just started happening over the last month in half) and they won't refund my charges that Never should have been charged to begin with. This is supposed to be an Illinois State Law that I should not be charged anything. They've given me every excuse they could come up with to not refund my money. A few times, I had trouble even trying to take my money of the card as they tried denying me from doing so when the funds were clearly available. 


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Nothing but issues with this bank since I started it up. Only positive is I can usually talk to a rep on the phone fairly quick. Unfortunately, I only know this because I have had to talk to them so many times. Do NOT sign up with this bank. I am canceling them this week.


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I wish I could tell you. Direct Express denies access to fund or online acct without notice or warning. Never gives a valid reason. I'm in trouble right now. I'm completely out of money and I can't even find out why. It can't be legal to deny SS funds to disabled seniors.


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My mother is in a nursing home, and somebody had ordered 15 DoorDash orders in one day. Their fraud department did not catch this nor did they return the money to my mother, refusing to give the money back. This is very unprofessional. We are definitely closing my mother’s account because she is disabled and they’re stealing her money and the fraud department will do nothing about it, you don’t even have to be that bright to look at this and say it’s fraudulent. My mother has banked with this bank for over 30 years. She will not be a returning customer.


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Can't believe they're still running in business to continue to mess with people's money and messing around all these years. I rather go back to Paper Checks that I can count on all the time with no problems.


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I've had a business account with Comerica for several years, but never used it due to multiple factors; 1) They always have log-in issues, 2) Their customer service agents act as if they just started today with no training, 3) They asked silly and impossible security verification questions like, what year did you open your account!, 4) Each time you call an agent will tell you something completely different. * They put my account in a "Shuttable" status due to inactivity. When I tried to close the account they kept telling me to drive to the nearest location 50 miles away. * They are holding my balance hostage & earning interest. How many more customers are they defrauding???


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If you want decent customer service, an efficient mobile app, fair fees, and fair treatment—look elsewhere. They have an antiquated mobile app. Their customer service is only available during business hours unless it’s technical support. If you do happen to need technical support you get the same sarcastic guy after hours. Their automated system is also a dinosaur and keeps repeating only one option no matter what you say and how clearly you say it. Overdraft protection is only for those with a checking account or one of their credit cards. Expect stellar credit to obtain that card. And expect to get hit with a lot of OD fees due to their slow as molasses system where they lack the instant bank to bank transfers of their competitors.


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I cannot currently access my Social Security funds using my Direct Express debit card to pay rent and buy essential medications and food. Like many elderly, disabled, poor I rely on this money to live day to day. Three weeks now they have refused me free access to my account. If you contact US government offices re the abuse and fraud connected with the Direct Express debit card business model, they will tell you to contact Direct Express, so it seems contrary to what the BBB is claiming, Direct Express is not in fact a government program. The card apparently is issued by COMERICA BANK who partners with a company called CONDUENT to service the accounts. Between them they block accounts arbitrarily without warning or notification, in complete violation of their own terms of use, claiming "suspicion of fraud.". 


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Horrible Fraud Resolution. We had a fraudulent charge on our account. It took them several weeks to "investigate" and once they finally returned the money withdrawn fraudulently, we had to argue with them another several days to get the insufficient fee charges reversed. Just awful, I wouldn't wish this on anyone. Use any other bank.


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I made a mistake and overpaid my credit card balance in March 2022. In an email from customer service they agreed to send me a check for the amount I overpaid. 6 weeks have gone by no check and no help on the phone or email. I received a letter from them stating they transferred the money owed to me electronically to my financial institution. What! They will not tell me where they sent my money! I have spoken to numerous agents and none of them ever heard of such a thing and told me this payment was refunded but can not see where it went. I have requested any and all tracking on this (check) but I have not heard anything. Not a small amount either $1158.48.


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Horrible bank that will rob you of your hard earned money, three overdraft fees because of one overdrawn item. 9 dollar ice cream on debit card cost me a 38 dollar overdraft fee when I had the funds in there, they pay the bigger amounts first. They should be shut down.


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The support was great with no ads and I found what I was looking for. There is nothing wrong with this website plus I enjoyed it. Please help me a little more to improve to community but other than that it's been good so far.


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After repeated attempts to notify they are sending mail to the wrong address, they will not correct it. Now they won't even answer the phone. Totally ignored here. I will go further to say rather than poor customer service, THERE IS NO CUSTOMER SERVICE!!!!


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Held, this line more tines than I'd like to count. Horrible customer service. Fuzzy math, they've allowed illegal transaction also. For no reason the card stops working... Then you slide it one too many times, boom, automatic 24 hour denial of transactions. Which is common. I think they're going belly up. Beware!


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Was visiting New York from Michigan and had a car accident. My car was told to do different shots. My card was in the car and was compromised over several different days when I did not have access to my car or purse or cards. My bank card and my Direct Express Card were both used during this time. I was not aware of this because I did not need to use them when I finally got my car back. Also during this time I had gotten the flu or covid or something and was very sick the whole time I was there and he been driving back home.


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No phone # on back of card. Goprogram.com would not let me register. I fear it will not be funded when It should be. # associated DOES NOT have a LIVE PERSON, RECORDED INFO only. What if Comerica Bank errs? "Yes there are fees for calling customer service.".. Why are there so many fees? I should be happy at least I got my card, the benefits are starting this week and some people have yet to get the card... Shameful.


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I had a check stolen from the mailbox - the thief changed the name and amount, for $1,500- and cashed it the same day it was electronically deposited into a Chase Bank account! I filed a claim one day after when I found out! The result? I had to close my account, wait for new checks, (3 weeks later) and the Comerica fraud dept. informed me my claim may take up to 120 days?? Well it has been over a month, no word, no response. I have had a business account with them for over 10 years, no interest checking, bad service, a manager who is always pretending to be busy whenever I am in the bank. They ignore customers, refuse to stand up to my fraud claim- don't they have insurance for matters like this? I am 60 years old and have never had a situation where the bank ignores the customer and passes the responsibility and refuses to respond.


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I have been a Comerica customer since the Detroit Bank and Trust days- many decades. Each year, their customer service deteriorates even more. The “customer service” people aren’t even courteous anymore. They are unprofessional and uncaring. My blood is boiling. My debit card was declined and I am traveling. The agent said she didn’t show any record of the card being declined and implied that it was my error. She said I should have asked the clerk for assistance. Frankly, at that point, I was too embarrassed. What happened to customer empathy? Thanks for nothing. I’ve had enough of Comerica!!


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Worst banking ever. I have a Credit card merchant machine that I’ve owned for three months and never worked. I’ve contacted the bank and customer service over 50 times and I’m still at the same position with the same machine. Worst customer service I’ve ever dealt with any years. Also slowing me down And messing up my business financially.


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The stimulus money was released from the U.S. Treasury last week. Where the hell is my money? I got bills to pay. Making disabled people wait is wrong. Need to have an actual person to talk to not a machine when talking about money. Now send out the stimulus checks


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Very disappointed with Comerica. They put me in foreclosures 2 times. Charging me $20.00 in maintenance fees. Lost my husband of 40 yrs. Income went down a lot. Had to sell house and file bankruptcy. Tried closing.


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This is an absolute joke of a bank. Unhelpful and unfriendly customer service, a TERRIBLE phone system that never lets you go through to an actual agent, and a dated website with frequent outages (don't even get me started on their app—it would get a C- on a high school programming test). Beyond that, their rates are seriously noncompetitive. To call Comerica a dumpster fire is actually quite accurate, because saving your money here is equivalent to burning it. Comerica is the bank you use because it's the bank your parents used. Do yourself a favor and go somewhere else.


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This is a "RIP-OFF" institution! I received a Way2Go card because I just became unemployed. I DID NOT sign up for this card but somehow it defaulted to it. When I received it, I made a cash advance at my bank so that I could put it into my account for bills. Comerica Bank charged me a $3.00 for each withdrawal (2 in total) and this now, as insignificant as the amount may seem, deducts from bills that still need to be paid! I am disgusted that an institution would take $$ from the unemployed in this pandemic. SHAME ON YOU!!! My rating for this bank is sub-zero stars!! They make you select at least one star - but I'd go with flames instead if I could.


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I signed up through Social Security for Direct Express Card. Why can't I have access to my account#? This was one red flag. The connection between the card and Social Security is a total disaster like milk and water. One doesn't know what the other is doing. I've had my card since September. It never connected with Social Security. One important thing to me is good customer service. This means being knowledgeable about your merchandise. Big hassle commuting back, and forth. The two should be connected. I thought my account was set up, but it's wasn't. I had to hustle information from them. It's not worth the headache. I'm trying to locate an deposit that was sent from IRS. They said they can't give it to me.... You can't give me my account#? No. Can't deal with that. I'm the customer. Why not? This doesn't make sense. So therefore will find another Bank for my direct deposit.


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Wow, have a Savings and checking. Opened 2 months ago. Locked out of Web access EVERY other day!!! Impossible to see my accounts. Super difficult to unlock with a horrible phone Bot that never works and if I wait for real person? the phone hangs up or it goes on and on. Then while I had 3.5k in my checking they charged my low balance savings INTO overdraft, I had zero in it due to being locked out of my account with no way to transfer. So then they charge $6 per day on the savings account for the $10 maintenance fee THEY put on it to sink it into the RED. I was pretty mad, went to the local branch and they reversed the charge, but still.


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2 months ago I told them that I had 5 purchases on my card that were not mine. Today they sent me a letter denying my claim. I have been on the phone with them for 3 hours a day. Nothing gets done. They don't look into no claims at all. They are frauds.


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I attempted to get into my account twice using the wrong password. I then realized what I was doing and on the third attempt, I had the right password and attempted to log in. I was locked out of my account. However, there is absolutely no one to talk to for help on the weekends. I have to wait until Monday, full of anxiety, in order to talk to someone and get me unlocked! Not happy. Never heard of a bank not offering live customer service over the weekend.


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I opened this account just a few days ago. I inadvertently put in a wrong number and got locked out online. Phone calls say I have to wait 45 minutes to an hour before speaking to someone. Can't get ahold of them any other way. I am a senior who no longer drives and depends on the internet to conduct business. I just switched my Social Security direct deposit over to them because I am trying to qualify for a $200 bonus for opening a new account. I seriously don't think it's worth it. I may shut down this account and stay with my current Chase account. They are much easier to deal with.


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I just made my bank account not even a week ago and I got locked out of my own banking app. I have no access to my money right now during Labor Day weekend.. I'm not banking with this bank any longer. On Tuesday when the bank opens up I'm withdrawing all my money and taking it to another bank that I can trust. Does not deserve not one single star.


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My debit card was stolen. I filed a police report and submitted it with a dispute form and a copy of all the transactions. They stole $1700 which is my SS. I was told there were no errors. You can rarely get through to customer service. I escalated the problem and received the same answer. What avenues are available to me since it’s FDIC?


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Found a Comerica debit card in the street. Called the number on the back to report it and they didn't take the name or number of the card much less cancel it or contact their customer. Made me sick. They actually told me, "you should have left it in the street." Seriously? I could do some damage with just the card if I was like that. The gal said, "I'm sure it's cancelled." How do you know, you didn't take any of the information!!!!


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We were lead to believe that our account authorized personnel was updated per our request while it was not. We repeatedly asked for an on-line access to our account, and one month later we still are not able to access our own account. Now, we are considering to bring legal into the matter. This is how bad things with Comerica business accounts are.


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Summary: In order to complete repairs on my home, I applied for a Home Equity Line of Credit from Comerica Bank. This was during the COVID-19 emergency. During this process, documentation requests were redundant and changed several times. After meeting the onerous documentation demands and completing the process, I was told that the loan was approved but would not be funded until I return to work, even though this was not an unsecured loan like a credit card. My business is closed because of guidelines from the Governor of Texas. Never was I told that would be a requirement for the loan, even though there is no doubt that I will be returning to work (I own the business). Again, this last requirement was never revealed to me until after completing the arduous process. I recommend you go some where else for a HELOC.


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PPP Loan complete failure. For two weeks I waited patiently for Comerica to create their portal for the PPP loans, they weren’t ready and now the money is gone. I will be setting my business up with another bank. What a joke!


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PPP loan for business customers. This bank is a joke while other banks were busy approving loans, Comerica Bank could not even get a application portal in place. Our business really needed this and we missed out all because our bank could not get it together and even offer one loan. We will immediately change banks, this was an absolute disaster.


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Comerica 1.2 Billon scheme- google it and READ. Notice that this is the 3rd Ponzi Scheme Comerica is involved in. The CEO Curtis Farmer of Dallas, Tx. Is involved in all three BILLION Dollar schemes yet they can't be charged and the other scum bags get 25 years in prison. I guess that's why the complaint to the Dallas, Tx BBB was left unanswered in May 2019 and now in Jan 2020 was left unanswered and I was not getting my monthly court ordered reimbursement/ distribution abruptly leaving me high and dry and them refusing to pay out the $179,999 BOTH Chase and Comerica Bank owes me for the illegal foreclosure of my residence- as the $8.93 "settlement check" mailed to me Dec 2016 does not cut it.


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Have to cash my check then deposit the cash into my checking account if I want to access my funds same day. If I just deposit my paycheck into my account they put a hold on it. How does this even make sense?


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This is the worst bank in America. Monday was a holiday so I knew my unemployment benefits would be late. Nevertheless some people in Alabama got their money if they had a prepaid card but the people that had their debit card with the alabama logo hadn't gotten their money and was told late Thursday. Keep in mind paydays are usually Tuesday nights. Received a email saying a processing issue. Money will not be available till next Tuesday. **. People depend on that money and some lazy Comerica worker didn't do their job... ** them. Don't bank there please...


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I have several accounts with Comerica - one checking, two savings. I recently tried to close one of the accounts and was informed by Customer Service that the transaction could not be completed over the phone and that I needed to "come in" to a branch. I no longer live in Michigan and will have to drive to a branch from Ohio. I'm angry!


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This bank is horrible, I put in a lot of time and ordered status to open a biz account, after 3 months they won't honor the bonus ($500 gift card.) which is valid and one of their quality dept. said will mail to me.


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My husband has a credit card with Comerica and is incapacitated. I have sent all necessary documents that I was asked to send so that I can be placed on the account and cancel the card. I gave them 10 days as I was instructed only to be told that they now need my address and date of birth which is on the driver's license copy that was sent to them in order to be placed on the account. I mailed everything I was instructed to plus items I was not and will be mailing the information as instructed but this needs to be taken care of immediately. Horrible company and customer service.


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I received a check for $100.00 as a Christmas gift. I went to this bank, as it was drawn from here. My last name is a very different one and happened to be spelled with 1 letter incorrect, which the writer corrected and initialed. The amount of unprofessionalism and down right rudeness I was given was appalling. I will NEVER recommend this bank to anyone. Just AWFUL!!!


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Their online banking was absolutely atrocious. The Internet was always down when I tried to do online banking. They never knew what I had in the bank. It was a total nightmare. Had it not been for Laura and all her help I would’ve quit the bank sooner. When I finally did change banks went to a credit union, One of the supervisors assured me that the check had cleared indeed. It did not and my rent check bounced. First one in seven years and now I’m having to give certified funds monthly basis and I am disabled. She did everything she could to help me but the Internet half the time didn’t work even for her. She was exceptional but the day I went in to make sure that that rent check is cleared and I was assured it had well it didn’t so when I put the funds into the credit union that count car is the check to be NSF. It is very hard for me to get a certified check every month and this is totally unacceptable to me. She did all she could to help me.


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This bank is in charge of me getting $360 stolen off my Direct Express card. I filed a Dispute with Direct Express and after waiting 2 hours to talk to someone these jerks had to then transfer me to the Dispute Dept. for another hour wait. So I filled out the Dispute and spent $7.00 with Mailbox Center to send the paperwork back and only within 1 week they sent me the outcome! And you guessed it, they said it was my fault and they got proof from U.S. Bank here in Spokane that I got the $360 out of the cash machine and I did not because I did not want to pay a $4 service charge and I canceled the transaction and went to another bank to get the $360. I went to U.S. Bank and they said they never sent and documentation to Direct Express about this case so whoever is in charge with the Dispute Dept. at Direct Express is lying and ripping off disabled people's money out of their accounts. 


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Consumer be aware that this bank is a fraudulent bank that is connected with Direct Express over with over 2000 customer complaints about Fraudulent account activity and money being stolen off of people's ssi card in different States and direct express call center is doing absolutely nothing about it. They're saying that you must wait 90 to 45 days for resolution. Once the time comes they will cancel the dispute stating that they do not have enough evidence. An investigation should be launched against the company and the employees should be in jail!


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23 minute wait time. I was told one story for the fee by the first person which I explained could not be true and why and the woman did not know what to say and put me on hold. The next woman gave me a different story and I again took that story apart and she basically said too bad. She put me on hold again and called my banking center who then refunded the fee. Then she told me NOT TO CALL customer service but to call the bank directly. If they do not want customers to call what is their purpose in existing? What makes this worse is they had no reason to charge the fee and were just hoping I would not notice or not care enough to bother or maybe if I did call they could lie to me enough that I would just quit.


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The ATMs are down often. The website works sometimes. The mobile app is actually more reliable than the website, except when it doesn't work. It takes up to 3 days for people to respond if you contact them through your account website. And they're slow about processing direct deposits.


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MY IDENTITY has been STOLEN & someone at COMERICA BANK or DIRECT EXPRESS-which is how I get my disability payments, have given out my card info (you can find that out with a Google search for "Direct Express, Comerica bank fraud" & see this's happened to many people. When I call the bank, every time they tell me they're not a bank but only printed the card, & only put their name on it for "advertising purposes". It makes no sense-why advertise you're a bank if you are not!? The Treasury department's website says they are the bank that handles the SSI/DISABILITY cards for Direct Express! And now I can't get my $200+ back through either company! They've both been horrible!


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I sure wish we would have read these reviews before suggesting our son, who is a college student in the area, open an account with this bank. It's been an absolutely terrible experience. The people I have spoken with have been rude and arrogant. They are not helpful whatsoever. The nightmare we have encountered is too long to recite but I will never ever encourage someone to open an account at this bank, ever!


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I'm 48 years old and never in my life have I dealt with such an awful bank. I can't even count the multiple issues I've had with my HELOC, and every time I call, it takes forever to talk with someone who always has to 'submit' the issue to someone else that I can't actually talk to. They have made incorrect deposits, blocked & refunded principal payments without my authorization... I could go on & on. I literally just spent 45 minutes on the phone to talk to a supervisor who could not help me with the myriad issues the bank has made. I'm speechless. I can't wait to close my HELOC and associated checking account with them. Good lord.


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This bank truly tops the charts of worst bank in the United States. For my line of credit, statements aren't accessible via their online portal. If you don't have a copy, you need to call them. Initially a talked to the customer service representative, Linda, who incorrectly told me that the account was closed. She wouldn't mail me a closing statement because I gave her a mailing address that wasn't on file. I clarified that I own several properties and even confirmed the mailing address that she had on file but that wasn't good enough for her. I asked to talk to a manager, but no manager was available for days according to her. I called back and another rep told me it wasn't closed. I learned that they can mail me one to you in 7-10 business days and faxing can be requested (3 day turn around), but they cannot guarantee that their faxing team will even send it. This is holding up a refinance that I am trying to accomplish.


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On 5/20/19 I made a deposit at the Pearland, TX Drive on Broadway St. I wrote the check out to Biochrome Compounding & Specialty, I provided my ATM card as well. Lo and below, I later found out my account was overdrawn because the agent deposited the account in the wrong account. When I visited the branch on 5/23/19, the teller was pleasant and gave me a print of all the activities. She me to speak with the new branch manager Christina ** (HE). At the time he was not available, so I went back the next day. He was so arrogant and rude, and stated "what do you want me to do, it was your fault for not writing your account number on the back of the check". That statement made me so upset and felt like his arrogant butt was way out of line.


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I got $1,870 stolen & also got calls from their bank. Either a inside job or the # was spoofed & I filed a fraud claim & was denied because they said I changed my pin 2 hrs before the money got stolen & I called from my # & changed the pin & that is not true & now they say I'm ** out of luck on my money. I filed police reports & all. I never changed my pin. The CROOKS did & Direct Express. I think it was a inside job & their customer service sucks. Worst ever & now I can't call the fraud dept & I was told they don't have a number. Once you're denied it's over & can't be reopened!


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If I could give zero stars, I gladly would. Comerica's customer service is the worst. I've been on hold several times during different phone calls for almost 2 HOURS each waiting period. I wish I was exaggerating but sadly I'm not. I understand they're busy but don't lie about the waiting period time. I've even requested a call back instead of waiting, and when I received the call I was getting ready to swipe to answer they end the call. I had to go through that process multiple times and the thing is I don't live leave a Comerica Bank so it's not easy for me to go every time I have an issue. I'm writing this while I've currently been on hold for an hour and a half just in order to activate my card. When I finally got connected with someone they told me they don't know why I've been waiting but it should have activated the card through the automated system. Worse customer service ever!


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Travelled to Mexico last October. I was overcharged on my Comerica Bank and jewelers was fake. Spent months disputing it and sent them support material to prove my case and they denied it without even contacting the vendor. They claimed they did but it’s a fact that they never did, and even if they did, they took his word over mine and I’ve been a customer for years. They don’t care about you or protecting you so be aware when you use their card. Worst customer service.


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I couldn't activate my card because they got my birthday incorrect. I then was told to fax a copy of my ID to fix it. I called was then told my fax was too dark for them to see. I have already faxed a copy of my ID three times and got told it was too dark everytime. I don't see how when I faxed it from FedEx so it should of came out clear enough to see. I will never be getting a pay card ever again. You guys suck and don't even know what you're doing. I honestly would give 0 stars if I could. Your company makes me very disappointed!!!


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Having passed through the pain and worries that bad credit report brings, I know how frustrated one can be moving around with a bad credit report, I actually gained insight on credit repair services while surfing the internet, decided to try out and see what the outcome would be. After a 7 days time, bankruptcy displayed on my credit report got wiped off and score increased to mid 700. All thanks goes to Mr. ** and his entire repair team, I'll always refer him for similar repair problems_Contact_** OR Text_**.


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Updated on 05/14/2019: For years I have been bounced around government agencies that did Nothing. The Mi supervisor was as corrupt as the Vice Pres. MN - so I wrote the BBB Texas #** and asked CEO why 1080 bank complaints of Fraud and abuse - ZERO resolved. Then I gave them 10 examples. SUSAN ** responded by sending the complaint back to the very people that were doing the fraud that wasn't resolved with over 1080 complaints. I emailed the con artist to see if anyone even contacted her. Nope - still up to Stonewalling and scams. So where do we go. 


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This new automated system you have on there is more than ridiculous!!! Nine out of ten times you try to find out something it never understands what you want. For instance I had called it once more today to find out my balance and to get transaction history. First it did not recognize me saying "get my balance" until 3 tries then it said, "Is there anything else I can help you with today?" And I then said transaction history and she seemed to have a hard time understanding that so I repeated it and it tells me "One moment while I connect you to customer service," and it connected me to a place called Harland Products. Pleeease can you go back to the older version of automated system, thank you.


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I own a small business, I have a Money Saving Tip Workshop were we go into schools and help Low Income Families how to save money with a home budget, create credit, improve credit score, read your credit report. Comerica Bank Representatives came to the schools told the families they had additional information to help them. BUT what they FAILED to say was that "They will only HELP if the Budget for the program has money to pay them for their TIME. The 2019-2020 Budget will not take place until August 2019. Instead of explaining the situation they made up EXCUSES as to why they could not come. I reached out to a Manager of the Comerica Bank in the Community because as a business owner wasting time is frustrating. His reply was NO he could not help these families. I can provide emails.


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I called customer service to reset an online login. The representative was rude when I said I was out and didn’t have my account number on hand. The rep got mad when I asked her to not be condescending with me and hung up on me. It’s unbelievable that I keep my money here and got a mortgage through them. I’ll be closing my account this week and going to a credit union.


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I got my social security income February 21st 2019. It was a big chunk of money deposited. In the past 2 day I've had transactions that weren't from me. Nobody had my card, card number, or even access to it.


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Comerica Bank is well-aware of the fraudulent situation with Direct Express and yet does nothing. When I tried to talk to them they refused and transferred me to the fraud department at Direct Express. I received a provisional credit from Direct Express for fraudulent charges. Yesterday, one of the charges was deducted from my account. Calling Direct Express for an explanation got me nothing but the runaround and rudeness from a rep and his supervisor. If an investigation is ongoing why deduct the charges in question out of my account? Direct Express is a moneymaking scam and Comerica Bank knows it. All involved should be sued in a class action lawsuit.


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After waiting 55 minutes I hung up as I could drive to the local bank and back home 3x by now. Ironically, the on hold message starts with "time is money, and Comerica web banking bla bla BS"... As a small business who was locked out due to the new Comerica app to simply view funds available - as I hope someone is listening, probably a statement into a black hole. Seriously think about alternatives after 10 years at Comerica.


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I am a small business owner and was looking for an alternative to PayPal for secure payment especially for new suppliers. I called Comerica Bank customer support explained my needs and concerns and was told that ACH payment into USA bank account is very secure,traceable and reversible if things go wrong. I was mislead by the Comerica Bank customer service, made the ACH payment and it cost me my business. I would not have never made such ACH payment had I know the Comerica Bank customer support information was wrong!


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Comerica Bank closed my account because I had over 11 overdraft charges, but 7 of which were totally bogus! The bank held my deposits three times in the last four months causing me to go negative... so they were gaming me and trying to force me out as a customer. My tax return direct deposited the same day they closed my account. So now I have wait for them to mail it me, but not until after they hold it for as long as they want to give them time dip in and take as much they please.


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I needed to order my account statements, so I contacted the number on my last statement. There was a recording/automated line that absolutely did not understand anything. I continuously pressed 0 and said "operator" after it failed to understand what I needed. Finally, the recording said I would be on hold for 61 minutes. I put the call on speaker to go back to work, and the recording droned on and on about how much Comerica "cared" about my call and how they want to make the community better, all the while illustrating, by their actions, what a facade all of their misplaced rhetoric is. 


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Force closed a very large line of credit due to "inactivity" with no advance warning (and I had a perfect payment record and high scores all thought the life of the account), and then refused to reopen it on appeal without a hard pull on my credit and no guarantee the specs of the account would be restored to what they were. So effectively they hurt my credit profile once by lowering my overall available credit, and then potentially twice by making me apply as if new. They also failed to acknowledge my requests in writing, instead sending a vague letter asking me to call in and find this out.


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The new voice automated response system is not customer friendly! It is a poorly constructed voice automated system response I’ve ever dealt with or ever had to painfully endure just to get my balance! Truly a customer time wasting, aggravating, irritating nightmare to have to go through!!!


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So I had an issue with transferring the money on their website. All the information I entered was correct but there always appeared the following error: "Unable to validate your card account, please try again." I had tried several times and without success, so I decided to call customer service. The first lady who attended me did not speak proper English so after trying to explain the situation to her, I gave up. The second guy didn't even try to listen to me, after one "Hello," he immediately hung up after saying that he could not hear me?!


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I was trying to improve my credit report myself, my credit score was 502 then dropped to a 472 disputing two credit cards and I could not get approved for a loan, a car and a house… NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few month ago, was searching around the internet and came across a credit expert linked with the credit bureaus who helped me increase my credit scores now I got 775. He told me it would take a few weeks to get it done approximately a month and kept to his word. Now I can apply for just about anything. I can’t thank him enough and I knew I owe him this, get in touch with him today and make a bright future tomorrow.


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I had a 420 with Transunion, 411 with Experian and a 405 FICO score. I also had a repossession, charge offs and negative closed credit card accounts. I was trying to get a new 2018 Chevrolet Cruz Premier Hatchback in Cajun Red at my local Chevrolet dealership but I had a bad credit and needed an urgent help repairing it. My friend who previously was in my situation gave me a contact (TROJAN at WRITEME dot COM) of TROJAN the credit specialist who helped him fix his. I quickly emailed and texted him asking him the process to get started after explaining my situation to him. We got started immediately and after 5 business days he deleted the repossession, charge offs and raised my scores to 788. I have purchased the 2018 Chevrolet and I’m also qualified for everything. You can feel free to contact him for credit repair help because he’s the best of his kind.


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The incident began on September 30th when I was provided a cashier check in the amount of $3,100.00 from a sub-letter for my New York apartment. The check was issued at PNC, the subletter's bank, and I immediately attempted to deposit the check through Comerica's web banking application on my phone. After attempting the deposit, I noticed there was a "pending" status on the transaction which lead me to call customer service. I spoke to a young woman who told me that the check would be rejected as it was higher than the $2,500.00 limit. When I asked her if it would be alright to deposit the check at a different brick-and-mortar bank on the 2nd of October (that Monday), she told me it would be fine to do so as the check would be denied deposit by Comerica anyways. On the 2nd, I went to a Charles Schwab Bank branch and deposited the check without any immediate issues. 


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Comerica Bank is the worst bank than all the banks put together. Their service is the worst and they don't care. If you tell them you are unhappy with the way they provide service, no one will ever know unless you call their quality department. They even give a number to call. Seriously, you would think that they would care enough to note that there is a problem, but they don't. I've had the worst experience with this bank and I grade them as the most unethical bank because of that experience. Now I am trying to take care of another problem and after 10 calls to them, we have gotten nowhere.


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Comerica almost scared a client so badly the client wasn't going to work with me again. The client stopped payment on a check then put the money in one of my other accounts. So Comerica charged a fee for the bounced check though Comerica initiated the stop payment. I had to demand through letter for my cash in my accounts to be given to me. Finally I received my money, but the procedures of a bank will do whatever with no evidence and not even listen to or believe the account holder is pretty sad. I always explain what my business does. I don't recommend Comerica for money services.


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US Direct Express has a breach the day my as was deposited. You have 0 cash and not one soul will help me. I have returned their form and five faxes. I've called daily to be told they have nothing from me orally as well. I'm so upset. My lights will be off today.


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I am a new customer with Comerica soon to be a past customer. I have had an account with them for 6 months. I just got a new contract and deposited my first check. I asked if there would be any delay on the funds availability and was told no funds available by tomorrow. That was 8 days ago. In the mean time I have been told by several representatives that one more day and at one point was told that there was a problem with the writer's account. The check has already cleared the writer's bank over a week ago still no money in my account. But they did add two overdraft charges to my account. My advice run from Comerica.


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I have been a customer of Comerica for nine years and my business account was canceled today with fifteen days to find a new banking institution. Earlier this year, I had back-up withholding because a representative of Comerica Merchant Services who set up my credit card system transposed two digits of my Social Security number and raised a red flag to the IRS. 31% of all my daily take of credit card transactions was gone! I got it rectified without a lot of help from my bank manager, but I was still looked upon as an aggressor. I actually got the full amount of back-up withholding returned to me, with a compensation of $150, which I called niggardly. Not knowing their dictionary, this statement was regarded as vulgar slang. I believe my account was cancelled to avoid litigation by those employees who were hurt by a term of Swedish origin.


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I have been a happy customer of Comerica Bank for some 30+ years. What a shock then when I used the Bank’s foreign currency exchange to both buy yen and return the unused portion to my account. Several weeks after returning my remaining yen, -- after been told the transaction might take a week -- I have only yesterday seen the amount added to my account in a kind of limbo (pending approval). I have been now been told the exchange might take up to 2 months. I am in disbelief about such questionable business practice. Californians travel a great deal for work and pleasure. This was the first time I used Comerica’s Foreign Exchange services. Except for the conscientiousness of their branch in Palo Alto, I am appalled by the entire thing.


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I had a check bounce - the one and only check that has ever bounced. Instead of bouncing the check, Comerica instead decided to bounce 8 different transactions at $38 a piece. When confronted about it - they also decided to close my account (like I wasn't leaving anyway). There were no actual managers working to speak to - instead, they had elevated tellers who could give absolutely no help. When asking to speak to someone in the corporate offices - or a Manager of some sort who could help - I was given: 1. The number to employee IT - with a 30 minute wait to speak to a human who then told me it was the wrongs number for clients to call. 2. The number to customer service where their standard answer is "I can't help you, you need to speak to a Bank Manager". 3. Call the Bank Manager - "they are on vacation", "in a meeting", "unavailable". 


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As a former business owner myself, I know how vital feedback from customers is as a way of gauging success. It is this fact and this alone that I can muster the patience to report to you a series of events involving Comerica that have robbed me of a month of my time during an extremely busy time of the year. Worse, the amount of distress these events caused are nearly unrivaled by any other customer service experience I've had in my lifetime. Furthermore, it is the severity of the events that lead me, after over twenty years of banking with Comerica, to close my accounts with your bank. I can say, without equivocation, that I experienced a horror story of a customer service interaction at the hands of multiple Comerica representatives. You'll soon understand that I do not mince my words by calling my incident horrifying.


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My brother, James ** had a problem with an ATM malfunction at 2900 Burlingame, Wyoming MI. We went to your Grandville branch on Wilson. Your Entire staff went WELL ABOVE ALL EXPECTATIONS! Not only did they connect him with the proper people to resolve his problems, but let him stay on their phone for over 45 minutes to confirm his claim. The Branch Manager gets extra "Kudos" for offering my brother an option of transferring the call to a desk that he'd be able to sit down at. No one at this branch is or was aware that my brother is a cancer liver, stage 4 small cell lung to be exact. I just want to THANK THEM ALL FOR THEIR LOVE AND KINDNESS TO HIM. Wishing you the best of holiday blessings.


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I noticed a .30 deposit into my checking account and when I contacted the bank about it, they had no idea what this bank was or why it had deposited this small amount into my account and advised that it could be possible fraud. I had it flagged and disputed because I did not give this bank any details to my account and it just showed up out of nowhere. I am a person who constantly checks my accounts and anything out of the ordinary, I will investigate and I have no idea what Comerica Bank is nor did I give them permission to my account and with the recent Equifax breach and now breaches with Wells Fargo, which is my current bank, I am so nervous of someone stealing my information... smdh!!!


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Let me preface this by saying I never write bad reviews. My wife and I are probably the most easygoing, relaxed folks you could come across. We are the kind of people that if we are brought the wrong dish at a restaurant, we would just eat it and pay as to not make a "thing" about it. I am also not someone to call out an employee by name, but I am going to do that right now, because this man's absolute gross incompetence and outright laziness is beyond any bad customer service I have ever received in any capacity. (And for the record, I have copies of every document, email, etc that shows all of what I am about to explain, so this is not a review from a "disgruntled" person trying to slander a company or person. We are an honest family with respect and integrity for others. Just want that to be clear. Everything contained in this review is 100% the truth.)


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Checking my account after paying most of my bills except my car payment for $312.00 & had a balance of $1605.00. Did a bit of shopping for which I probably spent $500.00. When I checked again & reported charges that weren't mine, my car payment wasn't paid & account went into overdrawn! Supposed investigation was done but I really don't think so. $ claim was denied. Thinking about seeking legal action!


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This has been one of the worst banking experiences that I have dealt with. Comerica's staff little knowledge of the bank. I started a savings account that would take a percentage out of my checking every time I got paid. Six months later I checked it and no money was being deposited into it. I went to the bank and talked to the lady that started the account and instead of apologizing she blamed other people. Before I left I set it up again and asked could she make sure that I would be able to see my savings account on my monthly statement. When I started getting my statements my savings account information was not on there. So I went back there and they told me it was on there but it wasn't. 


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I have had an account with Comerica Bank using their "Online Banking" (paperless statements) account for the past eleven-years. At times (beings I am not rich by any means) I will need to rely on my overdraft protection to help me manage things on a month-to-month basis. With my account being an... "Online Banking Account". I solely rely on what the Comerica website shows my available funds to be at the time I login to my account to pay bills. So if I only have enough available funds to cover a few small bills; but need to pay a couple larger bills too, I will generally pay the smaller bills first (on lets say) a Tuesday; which there were enough available funds are in the account to cover those bills at that time. I will then wait until late Wednesday to pay the other one-or-two large bills. Now I already knew that the couple of large charges would be covered by my overdraft.


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I regret opening an account with Comerica. They turned me down for a better interest loan because I was a couple points away on credit score but I decided to get anyways. It was useful for first 9 months of trial and now interest is higher than I would use for much of anything. So I don't use the line of credit as most other loans are less interest. If I close within 3 years I get a $500 charge. I call the customer service number on the back of the card and they can never find me in their system by SS# or bank acct#. So I have to call the local branch which is a little concerning. They are so unorganized. I can't check any balance online as they don't offer online banking on HELCO. I can't wait to get rid of this line of credit now as I can get much better but I am stuck.


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A couple weeks ago I awake to buy food and can't because all my money gone. I immediately called Direct Express and was told someone in Italy been using my card and I need to cancel the card immediately and due to fraud will receive new card in the mail free of charge. Ok. So I immediately cancel card and filled out fraud packet and immediately returned it same day as well as received my new debit card. I need provisionary credit asap. I have no money, no food and no place to stay because my money was gone. Couldn't pay for my share of rent. This is FDIC Insured card so why aren't my funds back on my card.


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I am a 25+ year customer who made a $200 cash deposit before business hours using Comerica's antiquated ATM system 11 Mile & Lahser Southfield, MI branch. Bank claimed the envelope I submitted in their machine was empty of cash! Now they have to do an "internal investigation" which can take up to ten days. This is very troubling and disturbing. I filed a report with Southfield, MI police citing theft by unknown bank employee (s).


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We've banked with Comerica for four years. We own our home outright as we paid cash for it. We have a small 400K per year business. Comerica lied to us and deceived us. We immediately researched and found a small community bank and have left Comerica to their very Trump styled business. They are simply dishonest and self-serving. Despite their crafty commercials...


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Comerica Bank sent out an email on March 15, 2017 stating "Saying that a security question was answered incorrectly, a password / user ID was changed, an address on file was changed, or that web banking had been disabled." Of course, in this era of phishing and other cyber-attacks it is difficult to tell whether or not the email or its contents were legitimate. Phone calls to their Customer Service number, not obtained, were put on hold. It took over 24 hours for Comerica to correct this frightening error. Their subsequent explanation for the error was pretty lame, too: "The emails were distributed early in the morning and included..." (AS IF the time of day was important) and "We have identified the issue with our automated email system and are taking every measure necessary to ensure it doesn't happen again." AGAIN, not good enough. Not the least whiff of an apology for nearly scaring me to death. I'm going to be looking for another bank.


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Loyal customer for 10 years. On Feb 6, 2017 at 4 am I woke up to find over $1000 was taken from my account in $200 increments and numerous inquiries. I immediately called the number on the back of my card, however a voice message told me to call back during regular business hours. I waited an hour to call back and report my card had been compromised, the rep took the report, asking me if I still had the card, which I did and reviewed the charges. I confirmed my last purchase which was at Wal-mart on Feb 5, 2017 at 1:38 pm and disputed the 5 $200 withdrawals and the 5 $2 inquiries prior to the funds being removed. The rep cancelled my new order me a new and told me that if my funds were not in my account by Feb 21, 2017 to give them a call. While there were still transactions going on in my account I received $25 overdraft fee, as well as other direct deposits were still going on my account.


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COMERICA Bank issues the debit cards for Social Security Benefits under the name US Direct Express; they allow employees to steal your information and withdrew your social Security Benefits without checking to see if the Social Security Office, US Treasury, or Post Office have gotten an address change from you. COMERICA bank changes your address without your permission and withdraws all the money from your social security Benefits. When you call 1-888-741-1115 to report the crime the employees are rude, ignorant, and hang up on you instead of transfer you to the fraud department. 


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On Saturday January 14, 2017 at approx. 11am, Clarence ** entered the Comerica Branch at 20200 Mack Ave. in Grosse Pointe Woods, MI to cash his payroll check issued to him by his employer, Convention & Show Services. The teller, ** received his two forms of identification, looked the check up and informed him that she could not cash his check. When he asked for the reason, she just insisted the check could not be cashed. He explained to her that for a month he has been cashing this same check at their branch in downtown Detroit, and inquired about why it is a problem cashing the check at this location. She still insisted the check could not be cashed, so he asked to speak with a manager. The person serving as the branch manager, ** expressed to Clarence also that the check could not be cashed but told him it was because there was no money in the account.


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I had my payment set up as an auto payment out of my bank. Initially there was not problem then all the sudden the payments were not being processed or cashed. Nothing changed, on the bill pay side. The call can when asked what it was about they could not disclose it. I'm not providing personal information to a random call unless they can provide some details to verify that it is a bank. So after the 2nd check is not processed by them they send a letter say they haven't received payments. I look at my Bill Pay at the bank and it shows both checks we mailed but never cashed by Associated Bank. Never in all the years have I had a problem, and to have it happen twice by the same bank tells me there are some internal problems with Associated Bank.


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My account was reported as delinquent because my payment (plus late fee) was received 12 days late. I called. Was told that there is absolutely nothing they can do about this to remove it. My credit has been destroyed; it went from excellent to poor. I am devastated. This is some of the worst customer service I have ever experienced.


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My statement balance shows a negative amount instead of actual balance. The reason is excess amount is not being applied to actual balance. When I called customer service they refused to give me actual balance.


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I ordered a sofa in April. Was contacted a couple weeks ago to schedule delivery, it was scheduled for June 16. ON JUNE 16 after receiving 2 different confirmations in past 24 hours, I receive a phone call saying the driver couldn't find the warehouse?? "Someone will call you within 48 hours to reschedule. I was out of town so when I returned I realize it's been 6 days and no call. I get on the website to find contact info and it says it was delivered yesterday??! I contacted PB via email, no response. I contacted them this afternoon via phone and waited the very long wait time to talk with someone. I explain the situation, the person on the other end tells me it was delivered, I tell her no, that is what I am telling you, it was not. 


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Associated Bank Review. Associated Bank lost $974 and refuses to recover it. That is too much money to lose. They are depriving us. $2600 dollars was loaned to my daughter for a car. She was paying me through Zelle. Payments were working fine. She wanted to pay off the last $973.61 with Zelle. Associated Bank lost the payment and refuses to recover it, track it, or trace it. DO NOT use this bank. We can't afford this. We will gladly share our records.


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I was told by two separate customer service agents on two separate days that a check I had deposited from a third party had cleared the writer's bank. Three days later I received an NSF notice and am out $1200. The branch manager told me I should contact a branch manager and customer service may not have the right information.


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My sba loan came into my account...they froze my account. I had brought in my Ein number to my business my bank statements and my schedule. They still said it was good enough to release my funds... It’s been a week. Still no one contacted me or anything. If you bank with these people I wish you luck. They are racists.


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I made a payment through Zelle and Associated Bank flagged my account as suspicious because they said the transaction was a large amount. So now I can’t pay my rent or any other bills until they unfreeze my account. I’ve been told 2,5 and 10 days for the amount of time it’s going to take for them to review my account. They are horrible!!


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We are very longtime 20+ years customers of Associated Bank and we are is leaving For another bank that will provide better fraud protection. AB approves a risky (no cvv and no address verification) e-commerce (internet) transaction time be approved for over $1000.00. This transaction overdrew the account. There were no flags or alerts. AB declines a chip read $250.00 transaction at a local Meijer (Pin bypassed). AB then recently approves two identical back-to-back risky e-commerce transactions again for $250.00 each with no cvv or address verification. I go out of town driving quite a bit and AB will decline $30 gas purchase transactions unless I have a travel alert. Good fraud monitoring systems can find the real fraud and deny those transactions. AB’s fraud monitoring system apparently can’t tell the difference between real fraud and more normal activity.


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I received my advance SBA loan advance today and I went to make a $6000 withdrawal. Long story short, after noticing my skin color and being questioned about my business my account was frozen and I can't get any money until a fraud investigation is complete. I was told by the supervisor that they have to make sure the deposit is legit. It says Treasury on the direct deposit.. What else do they need. One of the fraud people told me I need to prove I'm a business owner. This is totally ridiculous. I will never use this bank again and I'm going to get this experience out on all the social media platforms to make people aware of this practice they are doing.


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I have been banking with Associated Bank for the better part of 20 years. I have always been happy with the experiences I've had inside of the bank, dealing directly with the bankers. While calling in they have always been friendly. They have been forgiving and flexible with minor overdrafts and time-lapses with deposits and payments, etc. What makes me consider leaving is the online experience. They have been having technical issues for decades. I cannot count how many times they told me they are currently working to resolve issues in the system. I haven't been able to log in for a month now without calling. Seriously!? This is BASIC. 


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I've been with Associated since the early 1980's... now retired. Checking, Savings, Mortgages, Misc Loans,.. etc. Never missed a mortgage payment or a credit card payment. I have an 800 credit score. I'm trying to borrow $15,000 towards a new vehicle,... A $35,000 truck. I have $70K in home equity, $17K between checking and savings, $40K in retirement income that they can verify cuz it's direct deposit,... yet they want copies of all my retirement and personal trading accounts. This bank has gone straight down the sewer for service. As soon as I can locate and set up an account at a new bank,... Associated will be in my rearview mirror. What a horrible company.


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Customer service is inept, short and rude. How is it possible I am not able to get dates for notices and transactions that you can see have happened in your information? I am told that any information regarding dates will have to researched and sent to me. Nothing at this institution is automated, comprehensive or accurate. 


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The whole process of Financing was slow and receiving Payment notices- late to due date, and then recording them late in system when I mailed the check prior to receiving coupon by 7 days of the 1st of month. And not applying the cash received to mortgage, is uncalled for. They don't have an answer to why this happened.


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While everyone I have encountered at Associated Bank is friendly, their method of record keeping seems different than most banks or credit unions, and is poor. I check my account online daily, making sure my balance agrees with their's. There are frequent discrepancies, which I have never had a problem with at other financial institutions. For example, yesterday when I compared balances, Associated Bank's balance was $56 less than mine. I went over my records, and could not find a mistake, so I made a note of the discrepancy. Today when I checked my account again, the amount they list has changed, even though there aren't any anew transactions. Today the balance is $34 over my calculations. Perhaps tomorrow it will be accurate. This happens frequently. It has always reflected accurately eventually, but it makes it worrisome while waiting for that to happen.


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Have had great experiences with paying the loan. Interest rate is okay, but could be better. Will be trying to get it lowered soon. Only problem I have had is lost payments in the mail, have gone to larger envelopes to see if that problem goes away.


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Once again I was charged fee’s because “pending” withdrawals hit my account on the same day that “pending” deposits hit but since withdrawals post first it shows as overdrawn. Thieves, bank anywhere else!


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I have been a customer of this bank and its predecessors for over 50 yrs. Their online banking through Quicken is terrible. Sometimes Quicken can download transactions and sometimes not. Four times in the past year I have experienced this problem. Calling customer service puts you in a queue that sometimes is 40 calls ahead of you. Their IT people obviously lack the knowledge and they don't call you back to help solve the problem. I am looking for a different bank.


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Left me stranded in a city park after work, without gas to get home or money to eat (since early morning), thanks to some buffoon mistakenly putting a hold on my funds (a mistake the bank had admitted night before, promising renewal of the money that morning). Bank's admission on tape. But didn't get the money back until after half a dozen increasingly irate and desperate phone calls. But amazingly, this is not even the end. Bank apologized and, in my opinion, paid me to keep this quiet. It had been resolved peacefully. But then local bank manager, Mr. Matt **, opened the old wound, belittling the experience and demeaning me by claiming it couldn't have happened the way I said (even though he wasn't even involved; how would he know?). Bank CSR not more than 15 mins later confirmed that I was right, proved by the phone tapes. So, waiting for a promised apology. 


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Worse bank ever. After being a member for over 40 years had my sons saving account (I am custodian) hacked and lost $800. Bank said withdraws were authorized and would not replace the money. I did not authorize withdraws! Now my sons debit account was hacked and $250 were lost. All online purchases. Again bank says withdraws were authorized and will not replace the money. My son did not authorize or make the purchases. Seems to be deny, deny, deny and screw people out of their money. Will be taking all monies out of associated bank! Hope they rot in HELL for the crooked banking policies!


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Between the rude customer service agents, the completely inept fraud and overdraft process, and dishonest branch managers, I finally had enough of Associated. I do not recommend doing business with them, ever.


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I have been trying to close on a home since August and I have had my closing date changed 4 different times because of underwriting dragging their feet on my loan file. I not the kind of person that likes to get people in trouble but I called one of the head people in charge of mortgages to try and get this resolved. I will never ever use this bank for anything. This is ridiculous.


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The people, in bank and on-line are superb and friendly. They know how to use both their heads and computer systems quickly and efficiently. I have been banking at Associated Bank for a number of years, through many changes and three attempts at stealing from my account, without success. I would recommend them to anyone.


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Associated Bank has been my bank since I was 15. Last week my online banking was hacked and fraudulent checks were submitted to my account. I right away went to the bank and was working with a lady to get it fixed as fast as I could. The checks were signed by some Glenn dude. They were from Buffalo New York, I live in Wisconsin. Today they decided to say that I was at fault and I must have gave someone my information so I could no longer be a customer there. This bank is absolute **. I did all the steps to fix this problem right from the get-go. Before the checks even bounced. Before the bank even got notified about the fraud. And they have the nerve to accuse me and ban me from Associated Bank. Nobody should bank here.


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The Associated Bank branch in Lake Geneva is staffed by inept personnel. Now for the second time in 2 years, the Branch Manager has failed to return a call following my in-person visit to see if AB could match Capital One's IRA rates. Once again, the Branch Manager has apparently forgot my request and now I'm up against a time window where I have to make a decision of where to move the monies. The first time this happened, I called the home office in Green Bay. Then all of a sudden, I get a call from the Manager stating she forgot my inquiry. Apparently, History does repeat itself! Capital one offers CD's with a 12 month deposit at 2.3% and there is no minimum!


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In December 2018, a teller mistakenly credited my entire January payment to my escrow account. I was not entirely surprised as they have often seemed confused in the past as to where to apply my payment if it is during the grace period of the month before. I have been through hours of phone time, letter writing, and branch visits explaining the situation and following up to make sure this didn't show as a late payment. 


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I have a loan for $200K with $500K of real estate for security. On many occasions, I had the opportunity to sale a individual parcel. Associated Bank will not allow this this to occur until my loan is in "good standing". Words are everything- forget about attempting to deal with a real- experienced Banker- those days are long gone. I have past due real estate taxes, I just can't make payment BUT a sale would reduce my principal and pay ALL of MY taxes. AND yes, let's not forget about the 5% penalty for late mortgage payments. I will find another mortgage and break away from Associated. I will continue to spread the truth regarding this bank. Associated will not release anything- they love my monthly payment and I do feel they want me to fail.


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My husband has had 2 accounts through Bank Mutual; one personal, one small business. We were happy with the bank until it became Associated. We began getting charged $18/month for the business account. The personal account started getting overdrafted because online it told us we have money available. We'd go spend whatever amount and then all of a sudden something else will appear that should've for through days ago and he'd be overdrafted!! We closed the personal account and just kept the business one after being overdrafted on multiple occasions.


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We have had a mortgage with Associated for 1 year. Our taxes went down substantially due to a lower purchase price than assessed value. We were refunded quite a bit for the over collected excess escrow, then 2 months later our escrow was increased by $99/m. Not a big deal but it should not go up if rate is fixed, tax and insurance goes down/stays same. I asked them to recalculate the escrow and paid the regular monthly amount. We got several notices saying no payment had been received. Three times I went in to the branch, even wrote out a separate check for the $99 escrow they said I owed. Come to find out recently our credit was dinged because they reported us 30 days past due because of this. But no late fee, thanks Associated.


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We banked through them 15 years. Had a mortgage with them and home equity line. Out of the blue they sent us a letter saying they were closing our checking account! We called and said they didn’t need to give a reason and were very rude any time we called with questions. Never again will I deal with a company like this and they now have lost good customers who never had overdrafts and bills paid on time!


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In November 2016 I began communications with a loan officer to renew a commercial loan maturing on February 10, 2017. New loan documents were not provided to me until March 12, 2017, over a month after maturity of the loan, and included a prepayment penalty of 5%. Too late to find other financing. Despite requesting terms earlier, they were not provided. The Customer Care department to file a complaint is useless. Trying to get an email address or mailing address for the CEO is impossible. My experience with Associated Bank is that I was treated unethically. My father had two loans that resulted in the same during the same timeframe. Get a loan anywhere else!


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My checking account should have been closed in October but never was. I just found out that my old job paid me a substantial amount of money and I cannot get all of it back. Because they did not follow through with their job I have incurred almost $150 in overdraft fees in which they will only refund half of. This is not the first time they have taken my money from me either!! Do not use them unless you want your money to disappear.


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Associated Bank become my mortgage company after purchasing our loan. This bank has subpar online and app tools that make normal everyday banking easier and safer. Keep all of your records and copies of your payments, they are constantly losing or miss crediting payments in an attempt to charge late fees.


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I was shocked and concerned to see the number of reviewers complaining about Associated Bank’s practice of charging numerous questionable fees. I refinanced my home with them a few years back and had no problems until this past September, when for some mysterious reason they failed to receive either my monthly mortgage payment or a payment I made to cover an escrow shortage, which I mailed to them in two separate envelopes and paid out of two separate bank accounts (and these two checks somehow were the only two checks I mailed in for bill payments that didn’t get to the intended target.) 


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Been dissatisfied with them since the Bank Mutual Merger this summer. $1 monthly account service fee is now $11/mo. They can't properly execute an electronic check costing me additional fees 2 out of the 2 times used. I execute a half a dozen withdrawals and deposit transactions a month so no real services performed. Having a physical location within three miles? Not useful as I work during all their limited banking hours. I use a proper investment broker so no need for that service. Do not have any debt either so no need for their loan department. I've switched to online Ally Bank which meets the requirements for a 21st century bank account user, charges zero fees for my simple transactions, requires zero minimum balance, AND pays me a small interest rate each month. Perfect fit for my needs and even better than Bank Mutual had been!


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Well, this just never seems to end with this bank. I was the first customer with this bank when they came to our town in Elgin, IL & after many years they began to take advantage of me starting with my savings acct. & charging fees so I closed it. Then it was my credit card with them & their high APR so I closed it. Now they're screwing around with 1 of my 2 checking accounts & claiming that I suddenly after 2006 that I now have to pay a fee if I don't keep a $2,500 min. bal. Seriously? I've had these accts. for years & personal checking acct. as acct. #** & have never been told I need to keep a min. bal. after all these years & now suddenly have to pay a fee. 


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Not small business friendly. Since switch from Bank Mutual $15/mo fees for balances under $2500 x 2 accounts + $3/mo for paper statements x 2 accounts = $72 for two months, Ouch! Wouldn’t refund those fees for me either. Closed my account and went to free business accounts at Midwest One.


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So I have been an Associated Bank customer since 2017. I have had this ongoing issue with the bank authorizing transactions when the funds aren’t currently available. I have recently moved out of the Wisconsin area and had just kept this account until I got a new bank set up. So my paychecks would clear and I'd withdraw the money and give it to my boyfriend for bills. I log into my account I have not used for almost 2 weeks and see I’m negative almost 200... How? I have not used this account. 


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We bought our condo many years ago and financed it through Associated Bank. Several times after posting the payment the automated system didn't apply anything to the Principal Amount. I called many times and never got a straight answer even from their managers. Because of that my mortgage barely goes down and this is what it looks like for the last month. It doesn't make any sense. They also increased the monthly amount without sending us a letter. If there are any lawyers out there who would like to start a class action lawsuit, please do! I guarantee that I am not the only one!


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In January, 2018, I opened a checking account with Associated Bank. I chose Associate because there was a branch within two blocks from my home, which provided easy access to my account. I was also excited about being able to choose a MasterCard debit product that allowed me to support a local institution. Today, May 22, 2018, I received a certified letter from Associated Bank, notifying me that according to the terms of the deposit agreement, any Associated Bank account could be closed, at any time, without providing reason. Because of this stipulation within the deposit agreement, my account is going to be closed.


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When their online payment system changed recently, when a user goes to pay the bills online they select the payee, payment amount and then it gives them the option to send the money. After you hit the send button it takes you to the next page, ideally at this page it should confirm but you get a blank page. If you are not aware that it is asking for a confirmation and you close the browser your payment is not sent. 


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I have used Associated since I was 15 years old, the past 7 years. I have opened a checking, savings, and two credit accounts through them. I have lived overseas for the past 3 years and trying to deal with online services is absolute hell. I have continuously had issues with direct debit payments and have time and time again been charged late fees because my direct debit fails to work. When I was recently back in America, I got everything sorted by going into a teller and resolving the issues with Associated and their credit company. I was told there will be absolutely no more issues with paying my credit cards off through my bank account. Less then a week after leaving the USA, I received notification that two cards had been cancelled because no payments had been made since November (the month it all started to stop working). 


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At issue is the auto setup feature with Bill Pay. If Associated has a business on file, they DO NOT show the address to the customer. This is alarming and just WRONG. How does the customer know for a fact that the bank has the correct address OR the address required by the business, which could be different than what is on file... Another POOR business practice by this bank.


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Several years ago I took out a home equity line of credit when I purchased my home. At the time I was told that my loan would be a traditional loan and definitely not an interest only loan which I was very clear I did not want. I noticed over time that nothing seemed to be coming off of my principal, and I went to the bank and called to have this explained to me, and each time I was told it would take longer for me to see that happen, after paying off almost the full amount of the loan I realized that this was in fact an interest only loan and that I had been lied to.


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02/26/2018 the online banking application was down over the weekend. When released it was full of bugs. Had to hold for customer service for more than 30 minutes. Duh!!! Why were they not fully staffed for such an event?


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While applying here, they have do a 120 questionnaire with some of the most pointless drivel that there is. Thank you for wasting my time with an automated e-mail saying that I did not have experience. A company that is 3.3/5 doesn't deserve to have a questionnaire that long.


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Spoke to "Mike" a member of the "management team". He wasn't willing to resolve the issue of completing or even looking at an insurance claim check I dropped off at their downtown Hudson location 3 weeks ago. The "Insurance Department" is holding our check to pay our contractor. First because they needed paperwork, now their saying the numbers don't match. Which the insurance company gave us $200 more for our claim. No one has ever contacted us. We have had to contact them each week, just to find out there is yet another a hang up with the check.


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As a member since 2003 I found out TODAY that I've been being charged $11.00 a month since 2015, with no notification. I went to make a withdrawal as that was my "emergency fund" to find out it was a negative balance of $4.00. No help, just basically told, "we must have emailed you". I have just begun to share this with everyone, BBB, my senator, and everyone I come in contact with.


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I recently opened an account here. When I went in with a check from a city office, not a personal check, they would not let me access those funds even though I have more than enough $$ in the account to cover the check. So frustrating!!! They will take your money and hold it for 2 weeks.


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I’ve had the card for about 3 years and I’ve never missed a payment. I’ve reached out asking if they would upgrade me to an unsecured card and they’ve refused and were rather rude about it. Then they ding my credit twice in a row with hard inquiries. Might just close the account to force them to give up my deposit.


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I became a customer at Ft Knox in 1993. I remained a loyal customer through numerous deployments throughout the world! Even though hard time I trusted AFB with my money and they never let me down. UNTIL they decided to sell out the customer for GREED! In the past year my debit card has been cancelled 2 times and how did I find out by being embarrassed in a line of people with 500 dollars worth of groceries.


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First off, they don’t even get a half of star. Been dealing with this bank since 2009, watched it slowly, then recently rapidly decline. Hidden fees unexplained about how the system updates, what time the system updates, who the system updates for? This is getting ridiculous. Posted vs pending transactions, 20$ fee, 60$ overdraft fee for the same item. Customer service is the worst in the banking industry, won’t let you close your account, wanting to charge you more fees, for something that has already cleared? Pending overdraft fee?? I'm thinking class-action lawsuit.


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I transferred money from my other acct to AFB on a weekday, they transfer I made could not "post" until midnight. So since it was a weekend I had to wait until Tuesday to transfer the money. Oh, I couldn't transfer the money because I've already exceeded my transfer limit by 13 cents. I called customer service to conduct a wire from my OWN account and MY OWN money, the manager said they cannot override the limit so I had to wait for the following month...I had a 700$ loan with them, I made 16 $85 dollar payments, I still owed 540$ because those payments were for interests...my gosh!!!! DO NOT BANK WITH AFB.


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If you have a card stolen you will not be able to get in contact with them because they are closed weekends and holidays! I find one of the question for verification very wrong, seriously who the heck knows when a parent got their social security card, as many people have had their parents get it for them as a child!


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Went to Luke Air Force Base, Armed Forces Bank (AFB) branch to cash a Fidelity Investment Account check that I wrote to myself for $3000. Manager and senior manager decided AFB WOULD NOT CASH THE CHECK. Best I could do was deposit it and get cash in several day after it cleared. Obviously, I wanted cash immediately or I wouldn’t have travelled 30 miles to go to the brick and mortar bank. I have a checking account with AFB, have been a member of the credit union for maybe 40 years, am a retired Army officer with great credit history (near 800 credit score), plenty of money in my Fidelity account and just needed cash. Further, I view $3000 as a small amount of cash and did not expect AFB to give me any problem cashing this check. Much to my chagrin managers told me no to cashing this check. 


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I started with AF Bank in 2001 and from 2001 until probably 2010 I was pretty satisfied with AF Bank. My satisfaction with this bank occurred from 2010 until 2021. Over a 24 year Army career, including many years overseas, we never had any problems with our checking account and I was always able to speak with a polite and knowledgeable customer service rep but that changed! Looking back on my 2 decade long experience I would say that the culture of the bank changed. I no longer believe that this bank is looking out for the "Armed Forces" and that they are more interested in charging fees.


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This year has been awful for me. I am so thankful for the men and women of this business. Several time I have locked myself out of my phone. No problem (always there to help). Lately I have had attempts of people trying to take money from my account. The Armed Forces Bank personnel worked so very hard to help. To all of the personnel that have helped me. Thank You.


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I do not write reviews often, but felt compelled to do so today. I became a member of Armed Forces Bank, on November 17, 2020. I spoke to Mark and Tammi. Both awesome representatives. The opening of my Access Checking and Saving went smoothly. I decided to open a Secured Credit Card the same day. It was processed so fast, that the credit card information appeared on my Credit report on 11/24/2020 and I received the card, later the same day. I kid you not!... I received a notification from Transunion advising Armed Forces Bank Secured Card had been added to my report and it had increased by 40 points. Thank you all so very much for your down to earth demeanor, professionalism and seamless account opening. Today is 11/25/2020. Happy Holidays.


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I have been with AF Bank since 1996. Ever since they updated their banking system it seems things are not working properly. I have 2 negatives in less than a week. First I had a direct that was sent on 20 Aug and deposit that took until Sep 1 to post, mind you as of Sep 2 it was still in Pending status. So how it then posted on the 1st well you get the picture. This has caused a delay in me being able to send money to my wife overseas. I then just this morning see now an overdraft fee, I looked at all transactions. I had money up until now so I don't know where this is coming from. I am very unsatisfied. I sent a request to get an explanation as to why, so as of Sep 4 2020 I'm waiting for a response.


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I have been with this bank for 30+ years. While I was in the military and moving between US and Internationally I didn’t really have any issues with basic banking needs. When I retired opened/added a business account. Worst experience ever. What business account does not have ability to do mobile deposits especially when there is only ONE branch office in all of Northern Virginia. I literally have to go into the branch to deposit money. Ridiculous.


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Having been with the bank since 2002, I have moved several times and every time I moved it was a hassle to get my address changed because doing it online would only change it for statements, so I would end up having to call multiple times to get the new address associated with everything related to my account.


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HIGH FEES NO REAL SERVICE FOR SENIOR ACCOUNT. Over the years AFB has evolved from being a very good bank to being more like a money grubber banks charging additional atm fees on top of fees already charged, charging to get your balance from any atm except an AFB atm. They are no longer a friendly banking option. Also still charging fees during the pandemic crisis.


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I took out stop payments on these accounts that were fraudulently opened, and I am fighting that as we speak, but last month, see attachment, I was charged over $60.00 because one of the institutions that I had taken out the stop payment on, withdrew the charge due to insufficient funds in my account. However, regardless of the stop payment, the bank charged me for insufficient funds as well as a returned check fee.


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Recently my husband's account numbers were stolen, we believe from a gas station due to the fact my husband really doesn’t use the cards anywhere but that gas station and a tobacco stop, anyway we were contacted of this on a Wednesday, money attempted in Florida about 3 hrs away, was told card was cut off and no more transactions would be accepted, anyway Friday evening I went to pull out $$ seen a negative amount, this can’t be right, so I called bank. Closed, so had to wait till Saturday morning, anyway we spoke to the bank about how they allowed this to happened when they assured us it wouldn’t! Excuses giving, told to fill out the dispute and email right back and Monday (today) they’ll credit our money back. Well **, No money credited so I called again, demanded to speak to a bank instead of a call center, lady at the bank took my info, claims she a supervisor and can’t credit my $$$.


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They were never good and have become horrible. Good luck reporting fraudulent transactions because they refuse to answer their phone, which is the only way to make a report. I am calling them from Thailand via Skype thank God because I've been "on hold" for 45 minutes. There is no excuse for hold times this long. None. We will be closing our account once they ever get off their behinds to actually answer the phone. I'm just hoping we don't have our entire account drained before I finally manage to speak to someone. I am seriously considering legal action if that occurs. Why should we be out thousands because they refuse to make representatives available to take a fraud report.


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I have been with this bank for 16 years and now switching to another. Every time I have to make a larger deposit or get a straight answer from customer service it’s always an issue. First when PayPal tried to take payment from my account that has been linked for 15 years they told them the account was closed, it definitely is not, and now I have late fees. I called to sort things out. They tell me nothing is wrong. Second I make a large check deposit. They told me a five day hold no problem. I make it at 8 on Monday thinking Friday or Saturday. No the following week Tuesday. So actually 8 days. I asked why. They said, "We don’t count weekends." If your bank is open on the weekends guess what. That’s still a business day.


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I've unfortunately had them since Boot Camp. I'm finally switching to another bank because it started out bad and has just gotten worse. I've had several problems throughout the years when it came to accessing my money while overseas and making large purchases, especially after they stopped their 24 hour banking support service. Also, unlike several of the other big Military oriented banks, they are almost nowhere and don't offer ATM fee refunds. As someone who banked with them for years, I highly recommend banking somewhere else.


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Longest hold times and most incompetent and inept customer service agents ever. Absolutely terrible at protecting the funds of their customers. I've had my credit card info compromised on two separate occasions with this bank and neither time did they reach out or lock my account, even though the transactions were in states I had NEVER been to. But God forbid I buy a part for a vehicle in my home town without my account being locked for it. Worst bank in existence.


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I got a secured credit card with this bank in order to build credit. The problem is, they take weeks to process a payment, and then report to the credit bureaus that your balance is higher than it actually is! As a result of using this bank, my credit score actually lowered! When I called to see what was going on, they were extremely disorganized and argumentative. DO NOT BANK HERE IF YOU VALUE YOUR CREDIT SCORE!


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No 24/7 customer service! Account lockout after-business-hours or on Sunday? New card problems or problems with debit card pin??? You get 0 customer service until you call their inept customer service reps the next business day! Sleep on the street if traveling and needing to pay for a Hotel room or fuel with this worthless bank.


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This is the financial institution in Colorado Springs we use now for all of our home/financing needs. We'd done about 7 finance/re-finances with another institution, but when our banker there (Debbie **) left - so did we. Debbie's expertise in banking and in working with Veterans and Veteran's Programs is truly invaluable. She is the ONLY person we will work directly with now because we know that she will honestly ensure the best rates and terms. Period. Debbie is not only an expert in the banking and finance industry (especially Veteran's programs), she also has a heart of gold and seriously wants to help you find the very best deal for YOU. No upsells, no hidden points, none of that. Just honesty and transparency.


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Not sure why the reviews posted are a 1 or a two. My family and I have been with the AFB for 53 years this June. We have NEVER experienced any type of negative banking services. I have overseas nine times, from Vietnam, Germany, Saudi, Japan, Korea and 6 different States and never had any type of issue both CONUS and OCONUS. Our agent for our home, Melanie **, has been available for us each time we financed or refinanced a home and with her personal assistance we were complex and transaction within one week, again, both CONUS and OCONUS. No other banking can provide you that beat you deserve.


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ZERO STARS! WORST BANK EVER! They STOLE (lost) MY MONEY! DO NOT GO THROUGH THIS BANK! They are extremely disorganized and have no clue what they are doing. Long on hold times and then the agent ALWAYS has to go find someone that knows how to do what you asked, even for very simple things. They literally LOST my money (checking account), admitted it was their fault and then said there was nothing they could do about it. How the heck does a bank just lose money like that? How can they get away with this? Worse than that it was just a couple hundred dollars so I'd be in the hole if I sued. I'm going to try taking them to small claims court but I'm sure they have VERY good lawyers that will STOMP me.


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I’ve had the same problems everyone else here is having. This bank is awful. Please do not use this bank ever. Wish I could send you guys a picture. They’re saying that my account is overdrawn because of previous purchases made like a week ago? This is the worst bank in the world, as a service member who was offered no choice in a financial institution when I first joined the army. This will not just end with a Facebook post??? All the instruments that the Armed Forces Banks equipped me was has set me up for failure from the beginning. 


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I opened a credit card account last year at a branch in WA state and started having problems right away. I told the manager of branch I wanted card paid in full each month when due. It never happened and I got late fee. I contacted bank and told them to call manager of bank I opened the account to clear things up. They never did so I called again with each call lasting near a hour. They told me I had to go thru another dept. dedicated to credit cards but it would not let me set up my account. I called bank again and they set me up and refunded late fee. The next month they took out 2000 from my bank account to cover credit card.


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This is the worst bank I have ever dealt with. It seems like every couple of days I would have to call them usually to fix their mistakes. I was on the phone no less than an hour each time. Every time I would call I would be told something different about the same issue or their policies in general how they handle situations all of the above. I filed a dispute they told me it was received and being reviewed. I called several times about status. Was told I had to wait, 3 months later they tell me we never had a dispute filed. WHAT? And now it is too late to file it. They denied the dispute because it had been over 60 days. NO I have proof it was filed right away and this was a big amount too. 


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This is the worst bank I’ve ever seen. My husband and I have had nothing but bad experiences with this bank. They’ll stole so much money from us. They’d charge us twice for the same thing and say it was the person who we’d purchased it from (how when this happen every single time we purchased something?) but luckily we started to screenshot whenever money was taken out. Their customer service is terrible. One lady canceled our 2nd card without our permission. This bank is absolutely terrible. RUN FAR FROM IT!!! Go to the credit union instead. This bank does not care about its customers.


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Customer service is non-existent. They can never do anything you want them to do. I was promised a clear date and after the date past I called back to find out they can't do what I was told. People are incompetent and when you do transfer to supervisor their hands are tied due to some other system and they literally can't do anything. Worst banking experience I've had.


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This is the absolute worst bank I have ever had! The people that answer the phone can never do anything. They always have to transfer to a "specialist" (ya right) after explaining the reason for calling and going through verification. When "specialist" gets on the line finally you have to go through everything all over again. Waste of my time. I have had several issues with this bank so I wasted lots of time on the phone with them. Time is money for me. One of the many problems with this incompetent bank is they couldn't get my business bank cards to work. I would get a card and activate it and then to set up my pin it would tell me it couldn't process my request at this time. Call the customer service. I did this 10+ times getting new cards. The first 5 had nothing on the back. No ATM logos bank number nothing. But all of them wouldn't let me set up my pin. Super frustrating. I never bounced any check never had a customer check bounce or return.


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There is NO 24/7/365 Customer Service. Massive issues with Account Lockouts. Live Customer Service is NOT 24 / 7 365 as stated! BEWARE NOT TO OPEN ACCOUNT HERE. 1-888-929-BANK (1-888-929-2265). Massive contacting Armed Forces Bank period!


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Is Armed Forces Bank match.com? So my husband asked me to make a transfer to his account. No problem. Super easy right? Ha. Well I call the bank and get this agent. I always say this word for word "hi this is David. I'd like to transfer to my husband's linked account." Obviously the agent can figure out our orientation. So he goes into all this small talk I'm not about to write it all down. But he kept asking me if I wanted to call or text him and that he could totally hook us up with a trip to Puerto Rico because that's where is husband is from. 


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I’ve been on hold with this bank for 7 hours for TWO DAYS and they won’t budge. One day my direct deposit is pending in my account and the day it’s supposed to come... POOF, IT'S GONE. These people won’t help at all!!!


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I've banked with AFB for 17 years. I did this because I was in the military for 22 years and they were open when the PX was open so the hours suited me. They always take money out quickly and never deposit money on time, so as to try to stick you with overdraft fees. Since I've retired (in 2012 with 22 years in DOD Army) they tell me that DFAS does not require that they deposit my retirement checks by the 1st of the month. Therefore it is always after a long weekend or especially holiday weekends. This also suits them as most of us live from paycheck to paycheck and need the money no the 1st of the month. They never take your word for any transaction even though I've banked with them for almost two decades. They always take the side of the business no matter how many complaints have been posted about the company.


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I had money erroneously put into this account which I haven't touched in over a year. Not only did they freeze my account without even making sure I was aware of the situation they also charged it off to collections and I had absolutely no idea. They charged my account for 28.75 for a collections "fee" and then charged me 20$ to have money in this account wired to another account my USAA checking.


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Switching my bank is long overdue. Please don't open an account here. I have had several really bad experiences with this bank. The first really bad experience was when I was in Kuwait and needed to wire money to someone. The person helping me didn't ask what amount I wanted to wire and automatically wired the amount I had sent the last time. Instead of fixing the problem the person then wired the correct amount not deleting the first request. The next day when I called to complain the only thing they offered was to remove the wire transfer fees. They said to recover the money wired I would have to speak with the person I sent the money to... ummm thanks? 


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Stop putting blocks on my debit card! Third time on the customer service phone today. They have locked my debit card repeatedly for Amazon purchases, despite saying they unlock it. They say they cannot fix it. So tired of it, and WILL BE getting a local bank account rather than dealing with this terrible bank anymore. No benefits to it.


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This is probably the worst customer service I've ever experienced. I've been on hold for 45 minutes today and haven't spoke to anyone. And yesterday for an hour and a half and still wasn't able to speak to anyone. They suspended my account and I can't get a hold of anyone to help. Definitely will be canceling my card ASAP.


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We have never had a bank account with Armed Forces Bank. Yet we got a random letter in the mail (to the wrong address that we haven't lived at for over a year) stating that our account was overdrawn $1,079.16. We have called them a few times about this, but they claim it was us, so they're not even researching the issue. And how does an account even get that far overdrawn? We can't log in to the account because we never had an account. They won't discuss with us anything, because we can't confirm anything, but they won't remove the charges or find out who really opened this account. Very bad business practices and horrible bank. I am glad I've never had an account with them! This is just downright horrible.


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My wife tried to reorder checks for my checking account. So she went to the local branch at JBLM. They told her she had to go online to order the checks. I am deployed overseas so I was unable to talk to anyone in customer service because they were not open after I tried to order the checks online unsuccessfully due to my inability to log on to my account. I went to customer service webpage and scrolled down to "ordering new checks"; there are three ways: you can log on, you can call, or you CAN GO TO YOUR LOCAL BRANCH!!! Given my inability to get my checks ordered I am rating this bank very poorly in customer service. Frustrated.


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They have poor practices. How is it that your call center is open until 5 on Saturday and no one is available Sunday but you can block someone’s card over the weekend? What's worse is that I never even used the card so I'm not sure why they did it. And yes the account had money to cover the purchase. What happens is the customer is left without a card on a weekend. What if I had went on a trip? I would've been stranded. Now I have no money for food or gas until Monday. Also, I closed an account with them and had a remaining balance which they said would be mailed to me as a check.


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On December 28th, 2016 I deposited a large check into my account. I was assured that it would only take 5-7 days to clear. It is now 1/6/2017, nine days later and the check still has not cleared. I contacted Customer Service today and they couldn't understand why it was taking so long. They put me on hold for over 45 minutes to call the bank in Chesterfield, MO that I deposited my check in to see what was going on. I was informed that it is the local bank's choice to put the hold on it and to take it off and the manager was trying to get the regional manager to call her to get approval to release the funds to me. 


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I have been with this bank since 9/2015. I called on 12/7/16 regarding charges I did not authorize, still waiting on my card on this day 1/3/17. I called and got the runaround since 12/7/16, after speaking with Arlinda, Mike, Jackie, Valeria, Brianna, Carrie, and Cassie. All told me my card was sent twice already, well if that was the case I wouldn't be filing a complaint today. I have been waiting patiently for this bank and still nobody can send me card overnight or even provide me with a tracking number. PLEASE DO NOT DO ANY BUSINESS WITH THIS BANK!!! I will and have filed a complaint online with BBB.


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How do you manage automatic payments on BofA website? Is your payment past due or up to date? Good luck figuring that out. This has got to be one of the worst banking websites to navigate in the history of mankind. May Citibank is worse.


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Will never use this bank anymore. I was on the phone with them on 6/19/2023. Incompetent people, they made a mess in my account. I was disconnected few times. It took hours and then they close my account without asking me if I want it to be close! My credit went down 70 points! Be careful from them.


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Bank of America is not equipped to deposit checks via their mobile app. I am aware of banking operations centers and risk fraud departments. I was a teller in High School in the 80's. I would venture to say that now in 2023, there is absolutely NO REASON to hold a check for 7 days except for the Bank of America systems to show or bloat deposits and hold larger amounts over the aggregate. And at the peril of customers who need the funds available. No matter the mode of depositing. Possibly fraudulent reasons on the Bank of America side. Who knows. I have deposited checks in large and small amounts where funds have been available next day. Bank of America simply needs to do what is needed to make the connection with the Check issuing party's bank, in a timely fashion, verify and pay the check to its customers. 


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Apparently Fraud was detected on my checking account so what did BANK OF AMERICA do? They just locked the account entirely WITHOUT my knowledge. No email, no phone call, no text just locked the account. So I call to find out why I cannot log onto my account. After waiting 45 minutes I get to talk to a snide condescending not so helpful person. He tells me I need to physically go into a branch with my license and fix the issue. So I go online to make an appointment for the first thing in the morning following my return home. I can’t make an appointment BECAUSE I'M LOCKED OUT OF MY ACCOUNT. The other banks that I use contact me if they detect fraud and I either confirm or deny the transaction.


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The people at the call center are are inexperienced and lack proper training not to mention snide and condescending. I have accounts with 5/3 Bank, Wells Fargo, Chase and our in house credit union. BOFA is the absolute worst.


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THE. WORST. BANK. EVER. They force their customers to use debit and credit cards with ZERO security! These cards are wide open and ready for someone to drain your accounts. Bank of America does not inform you of this nor give you any choice in the matter. They make these decisions for you, I assume, because they think they know better than their customers what is best for them. If you dare complain about this, they effectively tell you "Too damn bad, suck it." I have been waiting for a SECURE replacement credit card from them since MAY. 


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Called for a LOST card, pushed in information, WAIT 45 minutes on Hold - a bank balance could be wiped in that time. DO NOT get this card attached to bank account - rather, do not get this Card AT ALL!! So Finally, get a representative, I have pushed in the info - NOW she wants my cell number - NOPE - then she wants my license number - after decades -- they do NOT have that, and since it take AN HOUR to get anyone to DENY to do anything about a lost card... and THEY are the ones who get hacked - like I want them to have any additional information so a hacker can steal my identity - -NO THANK YOU.


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I had an absolutely horrific experience trying to set up a Bank Of America merchant account for an ecommerce client of mine. We went on an endless goose chase in the branch in person, on endless phone calls, etc. Nobody knew what to do and kept shuffling us from person to person. I looked into a Paypal merchant account instead, and we were able to get one set up in about 10 minutes, after hours of goofing around with Bank Of America. Read the reviews of others! Avoid BoA at all costs! Take your money out and put it to better use elsewhere!


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Woke up to a new monthly charge on my "free" checking account. (No notice, btw.) Not free anymore! After 30 years, new $12 fee for basic checking account. They are constantly sneaking in new fees and you don't see it unless you are carefully scanning your account. I'm done. And during Covid when my business needed to apply for the PPP, they would not accept my application because I did not have a loan with them, even though I had been a loyal customer for 25 years with several accounts. I don't like to use the word "hate", but I really hate this bank.


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I took my Son and his wife "who came to the US from Cuba two months ago." They have their work permit, social security cards and drivers license as well as both of them are starting a new job next week. It was a natural progression to take them to open a Bank Account. We walked into Bank of America and after standing there for 10 minutes or so with two men in offices that were empty and a long line of people, ** greeted us in Spanish very loudly and asked how he could help us. Standing there in the lobby "keep in mind" all of us speak English, ** asked for work permits so he could make a copy and send them through the approval process which takes about 15 minutes. He then went into another Man's office "empty office." His name was **, handed him our paperwork and came back to the lobby to continue to ask us personal questions in the lobby in front of a line of people. 


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I gave it 1 star because I can't give less. I've been a customer with this branch over 30 years and a Platinum Preferred one at that. I tried to open a trust account for my father who has dementia and for 3 days kept getting the runaround. First problem, the appointments, they forget people work and aren't able to go by their schedule. Some branches either closed or work 10 to 4 and close on Saturdays.


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Stay far far away from this bank. I’ve been a customer for over 15 years, I was a paralegal for 25 years, and I’m not stupid. Someone calling from a Bank of America number told me that my account had been compromised. They managed to get $1000 out of my bank account. Since I physically authorized the transaction, they don’t consider it fraud and I am out $1000. Even though I figured out what was happening and reported it in under 12 hours and filed a police report.


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Horrible experience 7/20/23-10:30am at 91403. I went to deposit cash into my checking about $1.75 and was refused service for no reason. The ** that run this branch are secretive and have difficult accents and the names are hard to spell. After I was refused service to deposit $1.75 into my checking I talked to Sahar ** who was also Armenian in an English speaking area. I hope the bank can RE-hire at this location. The loose bankers here are irreverent and nearly drunk with extra freedom the way their names and accents are to the American English people who use the branch. I used to bank with Barclays and am surprised at how bad Yervand ** was when it came to privacy or responsibility. I have children but he is overly single. My past best friend who was a manager at Bank of America lives in Tucson AZ, not near where the poor experience occurred.


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I got a Bank of America credit card about a month before I left on a backpacking trip in South America. I got it because it had no international transaction fees, so I could use it abroad. I bought some things and then, because my credit limit was really low (just graduated college, I guess my entry-level salary limited me, idk), I decided to pay it off. I ended up doing this twice, about a week apart. I was stupid, and used my savings account to pay it off rather than a checking account, so naturally the payment was returned (about 3 weeks after I paid it). That's on me.


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Often the banking center is not staffed or equipped to provide customer service. If a customer comes in person, they need direct, specific assistance. To send them home because a) they cannot help. b) Another banking center can handle the item. c) They are too busy an appointment is required. d) They are understaffed. e) The staff are not experienced enough to handle banking needs. Call center is terrible - too many prompts and hurdles only to get an associate that cannot help, get bounced around, and no one owns helping the customer. Chat is unusable and is so bad it is disrespectful of customers.


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I was helping my 87 yrs old injured home bound mother to pay her bill before due date. I went to Merritt Island, Florida Bank of America and Jacob did a great job helping me pay my mother’s bills. THANK YOU!


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BOA states on their website that holds are 2-7 days. I made a deposit, and the receipt states funds would be available in 2 days. Now, 13 days later, I am still waiting on my funds, and BOA can't give me a straight answer.


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I was standing in line waiting to cash my check and pay off my credit cards at the Bothell Bank of America. When it got to my turn a lady said she was closed because she had to go to lunch and there were no other tellers yet the guy behind me who is from the same country as she was helped although she only made change for him. It still was very unprofessional and made a customer of over 20 years not feel like valued client. Also it makes me concerned about putting money into a bank that can only afford one teller. If I can give them Less in one star I would. Recently I tried to get an L&I check cashed from the state of Washington at the Everett branch and they put a hold on it seriously are they afraid our state is going to go bankrupt? This is ridiculous. I have two credit cards through Bank of America and I have great credit! I pay off my cards every two weeks, it makes you feel like you're a crook, just can't getting your own money!


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This was my first credit card, had 11 years of use and had platinum status. In my Aug statement I had a balance of $2.75 which I paid with rewards. In Sept statement I had a balance of $17 which I missed paying but paid off fully by month end, couple of days late. They closed my credit card for missing 1 payment. Couldn’t believe it, for 17 bucks they lost a customer. Hats off BOFA.


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Bank of America using a weapon called DAS. Digital assisted shopping against their employees and customers, they made it as standard in account opening, which some US citizens like veterans and military won't get approved and others from different national origin won't get approved. Same to bankers. Some of them get approved for account opening while others use same information won't get approved.


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DON'T USE FOR BUSINESS ACCOUNTS!!! Once again, false information given, no accountability. I deposited a large check, asked when funds will be available.(I run an event company and have to pay vendors constantly) Was told the funds would be available the next day, NOW I'm told they will hold the funds for 11 days. I will be changing banks. Not worth having a business account if you can't use your money to run your business.


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I was very tired and I been up all morning. I need to get work done on my vehicle. This incident took place at Bank of America around 11 am. I just had pulled out 800 dollars. I needed to rest so I sat down in the lobby. I started to doze off and the branch manager came up to me and said, "I can't have you sitting there like that." I said, "What you mean?" I gotten angry because there were two other ** that been there sitting in the lobby since 9 am. I knew that because I pulled out 800 around 9am, it was on March 3, 2023, the branch manager was also ** and I am ** so I took that as being racist and he called the cops on me after pulling 800 dollars out the account. My account balance was a little over 13 thousand dollars. 


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After a 60 year association with this company I had my first encounter with upper management customer service, and customer service did NOT exist. The company made a list of mistakes and bad behavior from company representatives, which they admitted to, but when it came time to correct my financial losses due to their admitted mistakes and bad behavior, they in a very alarming and maybe even illegal manner turned their back and closed their ears. My entire issue was created by actions of the company and further developed into terrible business practices by this company. There are so many other credit card offerings out there at better conditions, I would tell the reader of this review to stay away from this abusive company.


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You must have a qualifying monthly direct deposit of $250 or more to have the checking account maintenance fee waived. In the past, I always met this requirement when employed in my profession. However, I've been laid-off for the past 6+ months and presently earn a delivery wage paid weekly that is split between UberEats & Doordash. I gross about $1,200 per month. I average about $150 each week from Uber & Doordash. That is a yearly gross income of $14K. That doesn't include my cost for gas, insurance, car maintenance or taxes. Now I have to pay a checking maintenance fee of $12 per month. I have the transcript from BofA customer support and there is nothing they can do for me. I've been a customer for over 20+ years, and this is how I'm treated when I need their help the greatest. Shame on BofA.


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I been with Bank of America since 2003. Never really had any issues until May 2023. I went to a gas station to try to get gas. I wasn't able to. The card kept getting declined. I talked to 6 different people in a span of 3 hours. Freezing my butt off in the cold. No one was able to help. Major technical problems on their side. Trying to pay for gas for 3 hours was beyond unacceptable. I couldn't even use the digital wallet feature. I'm worried to put any money into my BOA account since I don't know when you can access my funds. All customer service representatives were more worried about getting a rating vs trying to help. It really messed my work schedule out and messed my entire schedule up. This experience has me looking for another bank. There's no reason to use Bank of America when you can't use your own money especially when it's important.


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My information was compromised and used to try to open a checking account. Not only did I have to call BOA to tell them it wasn’t me. Their fraud service department did not have a single answer as to what they do, to prevent this type of action. All they did was apologize and send me an email (all of two sentences) and a link up how to prevent ID theft. As if I can’t look that info up on any website. I then continued to ask questions when the rep finally said ‘you have a nice day’ she proceeded to end the call. Do NOT give this company your business. They do not care about you.


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This bank has the worst customer service department I have ever dealt with. Our account has been compromised several times since we have been banking with them. We go into the bank so we can get help from their customer service department, only to be told every single time to go to their website. What is the point of having a customer service department if we are going to do THEIR job for them? They lost 15k form my husband's account and we spent MONTHS with them on the phone. We had to start the process all over again with them every time we call. After many phone calls with their useless department and many many documents proving they were at fault they gave us the money back. We went into the bank (Gainesville, Fl) on multiple occasions to get help with this issue just to be told to either call them or go to their website. This company is looking for a major lawsuit and I'm all about it.


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My account has been “under review” for two months, leaving me with zero access to my funds. When I call, no one can tell me why or what is under review or how long it will take. WORST bank of all time!


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I tried withdrawing my 401k by phone and they made it impossible. Said I didn't give them correct info. However when I finally got online all the info I gave them was in my account just not primary contact info. I cannot change the primary email. It is from an account I cannot access even if I knew the login. I was able to do it myself online, but they make it so hard over the phone even when I know everything. They told me I did not have all the info I needed but wouldn't tell me what I need i.e a phone number from 10 years ago or email from 12 years ago. I was told I would have to go into a BOA to verify my identity. I really would get a lot joy if this bank fails.


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When Bank of America identifies a suspected fraudulent transaction on your card and asks you to confirm, doing so shouldn't sever your only connection to your money for the 5-7 days it takes to receive your new card in the mail. Customers who have been burned too many times by this are tempted to approve fraudulent transactions, for fear of having to struggle through the weekend with no money. Not only does BoFA have limited Saturday hours and 0 Sunday hours, they've also closed down many of their local branches, due to the pandemic. Although the after-submission instructions make it sound really easy to go into your local branch for an emergency temporary card, it just isn't that simple.


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Bank of America has reduced the amount of tellers available to assist with cash transactions during regular hours. During the lunch hour(s) there is only 1 teller on duty (at 2 different branches) to assist with cash transactions and if a customer has a lengthier transaction, everyone has to wait. This has happened multiple months in a row. All the while there are other employees that are required to stand around and do nothing until someone else walks in to see if maybe, they don't need a cash transaction so they can help them. If you have limited time to complete cash transactions, you may want to consider a different bank.


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Absolutely the worst customer service of any financial institution! They won't even cash a refund check written on Bank of America from a major automobile company. They are extremely disrespectful to customers. I am a consumer rights Attorney and will never recommend any client to use Bank of America; I will also be spreading the word to all of my colleagues to do the same, both locally and nationwide. Thank you Diego ** (Manager of Salt Lake City BOA branch) for illustrating the true Bank of America attitude towards the general public.


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I have been trying to get a checking account closed with Bank of America that was opened with my personal information sometime last year. I first notified them in early February of the identity fraud. It is now two months later and they have sent me several letters saying the account was closed (some even saying that the closure could affect my ability to open accounts for the next five years). Every time I call the bank regarding a letter from them, the representatives say the account is still open. The reps can see that there have been several claim cases that I have opened (calls I have made) and they can’t understand why the account is still open especially since I am receiving letters saying it is closed.


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Opened a personal account - could not leave feedback after discovering things other than promised - searched and discovered worst feedback (you should check) for obvious reasons. Should have checked first. Hope this saves the next person. Cannot believe they don’t understand customer service - unbelievable. Avoid this bank.


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Avoid this process at all costs. Don't even spend a second fill out an initial application. After 2+ months, it's been nothing but frustration and miscommunication. Just awful. I have great credit and equity in my current home and it should have been a breeze. I'm very happy I reached out to Citizen's Bank. They approved my request and the whole process (including closing) was completed in just over a week. What a crazy concept eh? I'm upset I wasted valuable time going back and forth with BOA.


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I deposited $20,000 by cashier's check on March 13th. The teller said the funds would be available the following day. I then received an email saying the fund would be held until March 22nd. If I didn't mind for BOA to hold my money for 10 days. I would have written a personal check, but based on 1/2 century of experience, I have never had any institution hold funds on a cashier's check because they are always treated the same as cash. Not first issues I've had with BOA and only reason I keep account open is because of widespread ATM access in case of emergency while traveling, but I'm considering closing anyway.


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I've dealt with many companies (I'm old), but none, in any industry, sink to the level of BofA. My wife and I were customers in excellent standing (my FICO is 819) for more than two decades, with a CD, a checking account, a savings account, and a MasterCard (she was/is primary on the card). A few years ago, something so trivially procedural arose in our banking relationship that I've forgotten it. But I remember that after WEEKS of talking to one rep after the other, ALL of whom contradicted one another, we gave up and liquidated the CD and checking & savings accounts, and transferred them to other banks. We kept my wife's credit card: a mistake.


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I deposited a check for $2500, they told me 300 of it would be available the next morning, they even gave me a printout showing me when my money would be available to me. The money never showed up and they deposited the check $300 short. They stole $300 from me. Do not bank with this company. The way they stayed alive is by stealing money. Yes I will be getting lawyers.


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If NO stars were an option that is what I would be selecting. Bank of America was fully aware about an issue with members being scammed through Zella in recent articles I have read. Where was their consideration in sharing this information?! It is alarming to me that on a text thread bearing the BANK OF AMERICA NAME AND LOGO a scammer can access just like the bank does! How are we supposed to know who the bank is and who the scammer is?! Even before this, I can't begin to tell you how many debit cards were compromised, and a new one had to be issued. One was in the mail and got hacked before it was even received. I'll be taking my business of 28 + years elsewhere along with everyone else I know. I will never recommend Bank of America again! BANKERS BEWARE!


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I had Bank of America pay a bill for us monthly through Bill Pay. I assumed it was getting done because it was being deducted from my account statement. Two months later a get a notification from the company that I owed two months worth of bills. I contacted Bank of America (which was a nightmare in itself) and they said, "Yeah, you're right. The checks were never received." That's it! I was on the verge of a collection agency at my door and they had no explanation for it. I will not be using Bank of America to pay my bills anymore. I cannot trust that they are going to do it.


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I had an account with them for over 2 years. Someone attempted to commit fraud on my account. BOA caught and froze my account. They closed the claim but are refusing to release my money. That is in the account I have called multiple times a day for 7 days and after being told it will be 3-5 business days I still don't have my money! They are liars and thieves!


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When I noticed a fraudulent transaction on my account, I called customer service right away, and all they did was transfer the call to the appropriate division. I've been contacting them for more than a week, and they're continuously transferring the calls. Damn, no decency, no compassion. I lost a significant amount of money due to their insensitivity, and I am confident that they are so callous that they won't bother to contact me again.


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I paid my credit card bill with Money Order through ATM machine. Bank of America lost the money order or their system error and did not credit to my account. They say the check is returned but money order can't be returned. (They did twice to my account.) BOA never admit their mistake and shift the responsibility onto customer.


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I linked my cash app card with my B of A acct and noticed that cash app was attempting to charge my BOA acct. which was fraudulent. And I informed called BOA I was told they would block it and it was not.


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Bank of America Has to be the worst bank I have ever been with. They have zero customer service. It says if they are put out that you have even walked into the bank. Would you call the 800 number you do not get to talk to a live person. It is nothing but a computer that can’t understand a single word you have to say to the point I am done after 10 years I have already went to a new bank and opened a new account. I will never bank with bank of America again.


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Had account with for years, a steady income, from jobs and Direct Deposit consistently, one day to open my app to receive my pay, find out closed account. Called them and said no reason!!! DON'T RECOMMEND.


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I had a company defraud me out of $112 on Monday. I filed a dispute online, and no one ever called to follow up. I called back today, Friday, with full blown Covid. After 5 phone calls, and over 2 hours of holds and transfers, I STILL couldn't get anyone on the phone from existing claims to help me. It just kept transferring me in circles. The last call I made, I was also online with Terry (a customer service rep "who couldn't help me because he's not in that department") the whole time, who first hand was witnessing how impossible it was to get a live rep from claims on the phone. 


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Last Saturday night I found someone made purchases using the money in my checking account without my authorization. I googled the merchant and it was already closed, so apparently, this was a fraud. I called the number on my debit card and all the numbers I could find online, and all I got was "Our office is closed. Please visit the nearest ATM for help." It looks like nobody at the bank works over the weekend. Good for their employees but horrendous for their clients. I felt like someone invaded my home, I desperately called 911, but nobody answered me. I could only depend on myself to stop the thief from stealing more of my hard-earned money.


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I don’t know about anywhere else but in Southern California it doesn’t matter what Bank of America you go to, there’s always no more than two tellers and the wait is almost always an hour. They could care less about their customers or providing good service. They just want your money like any other place. The line is literally out the door and it’s hard to understand why it seems like the staff is so unconcerned with providing service. There’s never any help wanted signs or anything to show that they’re trying to hire on more help. Don’t bank here if you want to get things done because you won’t when you bank with Bank of America.


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My name is Steven Morgan CEO of Talk of the Town Group LLC. We have been doing business with you for the last several years. Recently due to our company name change we were instructed to open new accounts. We opened the new accounts and have had NOTHING BUT TROUBLE! Recently a client of ours gave us a $10,000 check from his company. Please realize we deposit over $200,000 payments a month. Bank of America put a 10 day hold on the check. 3 days later without notifying us BANK OF AMERICA put a FREEZE on this account. After calling 12 times and getting all kinds of stories we find out the same check with the 10 days hold on it has caused this freeze.


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I recently opened a bank loan assist account with Bank of America. Which they offered me for being a loyal customer of 5 years or more. I have actually been with the company for about 10 years. I took the $500 loan offered because my car died and needed an emergency down payment to finance a vehicle. The loan is broken into three payments which I had already paid the first due 3 weeks prior to the due date. 


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This bank should be called worst bank in America!!! It’s been times I had lower than my check and they wouldn’t cash my check!! They don’t tell me how to invest my money! I ran thousands and they won’t help me invest .. the cashier in Charlotte Nc that made my account is stealing money from my account!!! They wait too long for transactions to go through!!


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BOA Staff are permitted to work from home and access confidential consumer information such as, #ss, addresses, phone numbers and phone carriers, spending habits etc. resulting in an alarming number of consumer identity theft complaints. Identity Theft is so prevalent at BOA that customers will spend an excess of 2 hours holding on the 1-800 fraud hotline before connecting with an associate.


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I made atm deposit from my Fidelity account, BOA floated the money on hold for 12 days and said it was company policy. Worst company I ever dealt with, should illegal to be allowed to hold your money that they took from my account.


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2 modification: Failed to carry over the Escrow to bring the loan current: They add any interest, escrow, fees, and expenses to the principal balance: Modification is that the loan is brought current. Once the payment is received they have the right to apply or delay:


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In May of this year, I applied for a work from home job by ASH. In June of this year, I unknowingly fell for a job scam where I applied and got hired by a company American Specialty Health as a digital health coach or so I thought and was sent 2 checks of 4992.00 each which was supposed to buy the equipment that I needed for my new position with the company. The interview took place via text on Microsoft Teams app. Then I was instructed to send the deposited money from my checking account electronically to my so called team leader Ashley ** and to a vendor by the name of Sherrie ** via Zelle and Cash App. Ashley wanted me to process a 3rd check but I was alerted by BOA that my account was overdrawn by 6k. I had to file a claim, BOA sent me a new debit card and they seemed to care…for the time being.


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I got more than 3 years with this bank, and they hold any time they want my money and say is for pending reviews then after weeks put clear again and keep going doing this game every time they want, I chose to move to other bank because I don’t feel my money is secure with this cheating bank, also they got the bad customer service I am experiencing in US. They don’t care the loyalty client even if are business accts, really take a moment before open an acct with this bank, they don’t deserve your loyalty. Poor services and poor secure, they say you got the control in your money but they lie, don't be scammed for Bank of America. Use another bank.


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I am in Week 3 of trying to get my paycheck which was deposited into my acct that was closed due to fraudulent activity. Trying to call is a joke, and going to Mid Rivers, 5th St. location is a total waste of time. I was told the $ taken from Zelle $1989.00 would be refunded. It hasn't. As I'm typing this I have been on hold for 35 min (this time). I've been calling MR location since 0900 and at 12:05 someone answered with no resolution, and I even had a 1300 appt. Come to find out Monte' left for the day so when was someone going to call me. 


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If you look at the many reviews below, you'll read the personal details of how terrible this bank is. They don't care about the customer. The customer is a number and they just don't care. They are so big and so large that they know they can treat you however they feel like. If they want to lock you out of your account and call it a "system issue" then they can do so. If they want to charge you excessive fees, then they can also do that. Like many other, I've been with this bank for over 20 years. I tried sending some money to family via BillPay and my account got locked. I call them, hold for a long time and then they transfer me to the fraud department who can't help and send me back to the online banking department who also can't help and then cut the call. 


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Trying to get this credit card I have with them off of my credit report. They won't budge. So I reported them to the CFPB, BBB, OCC, and federal reserves since they like to play games with me. They are horrible.


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Bank of America has the poorest customer service. The wait time to speak to an agent is just ridiculous and they are rude...I needed a bank reference letter from bank of america so I called customer service to request it, the rep told me that it will take 6 business days to get the letter, I waited. 10 days later I still haven't received anything from them. I called again that new rep told me to go to the branch to get the letter, then I went to the branch to request the letter Raoul the branch manager of the Hollywood fl location told me to call customer service because they don't have access to this type of paper and dismissed me, he don't even gave me a chance to asked why.


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After being a dedicated and loyal customer of Bank of America for 26 years, they turned around and stole $1386 from my account in September 2022 and said it was in my contact was I opened the account. This all happened in 2020 of April when my account was closed and I reopen another one after Bank of America told me it was OK and they understand that’s a global pandemic hit people very hard and now they turned around and took 1386 without any prior notification. Bank of America is a criminal enterprise that needs to be closed down.


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Please do not get a credit card with those people. They have the worst customer service. They card is a scam. People lose their money. After telling them, I didn’t want a card they sent me, they tried convincing me that I had an account with them even when I didn’t use or activate the card. The workers did not correctly train, giving me false information. That one star I give them should be half a star.


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Your bank is criminal for holding my husband's paycheck for 8 days. This is criminal! How are we suppose to survive. We have been loyal clients. And your institution is impeding on our human rights by holding our money we need to survive. And you are unwilling to do anything. You guys are like the MOB, this is criminal!.


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I am a victim of identity theft. The Risk Management Dept has treated me like the criminal and not the victim. They refused to unlock my account and release 2k of my money. The reps are rude heartless and don't care of my lively or helping me. I left the bank in tears today the banker who helped me was even in shock that the rep Rosa said she had to get off the line and hung up on us. How can they treat me this way. How can they keep me from my money to pay my bills. Crystal Rosa and Jesse are horrible humans and I've never been treated so bad in my life. I can't pay my car payment bills or travel for work. This bank and their employees are ruining my life. The worst mistake I ever made was trusting this bank with my hard earned money. I've now had to hire an attorney and I have contacted the media to try and help get my story out. Stay away from this bank they will ruin your life. Shame on them..


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I have been with this Bank since 1996, will be leaving because they failed to train their claim disputes associates properly. As a result, I was scammed out of $500.00, and they will not take responsibility. Very poor customer service!


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I have direct deposit, each time I go to BofA ATM on 2 locations. The bank has permanently closed but the ATMs are supposedly in full function, I get in line behind the cars,, then I go to the whole process of withdrawing $$$, at the very end of process, “No cash withdrawals at this location." Last year it use to say "System can not process Withdrawals." In 2020 during pandemic it at least told the truth. It says this: "This location is out of funds pls. Try another location." This year it's happened more often. I have to go to a bar or grocery store to use Kiosk & get charged, $4.99 for transaction fee & $2.50 twice kiosk fee, that’s $10.00 for one transaction regardless of how much cash you're taking out, $20.00 is the lowest amount you can take out but the same charges apply.


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I had a check altered that I had sent. 20 yr+ customer!!! The check written for $190 and turned out to be cashed $3000. No ID, just prob some kid changed it to $3,000. After reporting and being on phone for 4 hours being transferred and on HOLD, I went to bank....a huge 4 story lobby and almost empty. The Manager would not see me as she knew I was upset and wanted this taken care of. She was sitting in lobby with an open notebook so knew she just blew me off. And her tactic was to insult me because I was angry!!! I can not give them a worse review and as of 3 weeks later, I was told for FIRST time to close my account when I called THEM. I have been sickened by the whole process and the fact that no one called to ask ME how this might have happened. It will take a day but I am closing acct. I am a PREFERRED CUSTOMER, whatever that means. Branch banks are barely open, no more drive thru and ATMs are often out of order.


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BOA is a fraud, they do not protect their customers. I had my online account hacked and I was locked out while the criminals transferred all my funds to their account. I was proactive and tried to stop them through BOA`s customer service representative. No help, the funds were gone. I tried to get a refund through insurance but they were unhelpful and kept denying me. There was no way I could explain and provide proof of my claim, I kept getting sent to their Fraud Dept. which I could not personally contact, there was no further recourse. Just an isolated guy in front of a computer that kept pushing the claim denied button. This should be illegal, but hey it`s not their $6500. BOA is fraudulent. They need to have more legal recourse.


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I issued a bill pay request to be delivered by a certain date. The day after that date the check has still not arrived at its destination. The vendor called and demanded immediate payment. He happen to be a Bank of America customer so I was able to issue a bank transfer to his account immediately. The bill pay department then canceled the check but they were unable to issue an immediate refund saying its policy to wait 1 to 2 business days. That’s just unacceptable and they did not accommodate my request for an immediate reimbursement.


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I have had multiple fraud claims on my various accounts but this last one was the "icing on the cake." Someone opened a credit card with Bank of America under my name. After receiving a text message regarding my "new credit card", I logged into my bank app and there was this new account added to my profile. For an "AIR FRANCE KLM WORLD ELITE MASTERCARD"!!!


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I have had the worst experience with this bank and I regret ever looking their way to open an account. Bank of America has restricted access to my account for a reason they cannot disclose clearly to me. The customer service is near non-existent and when you do get someone on the phone they do not know anything and cannot give you clear answers to any of your questions or they'll simply hang up on you. 


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Today I filed a complaint with the Texas Attorney General's office against BOA. These people have been drafting from an account I have at another bank into a closed savings account at BOA. After numerous phone call and several trips into BOA branch office I could not stop it. I informed the fools it was unauthorized. I even closed the saving account at BOA they were drafting to. They continued the unauthorized drafts. I am paying a fee of $20 each time BOA tries to make an unauthorized draft. Don't bother making appointment to meet with them because when you get there they know nothing about it. They really don't care about their customers. By the way they say I am a preferred customer.


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Today August 9th at around 8 AM Sharon L from Bank of America had the nerve to tell me my account was being closed for being linked to scammers. SHAME ON BANK OF AMERICA TRYING TO ACT LIKE THEY ARE HERE FOR MILITARY FAMILIES. IT'S ALL **. PLEASE DO NOT BANK WITH #BOFA Bank of America. This woman accused me of being involved with a scammer. She said my husband who has been fighting in Iraq for the past 3 years was involved with some scam. I hung up on her and I called my attorney. Wait for that slander case against BofA. How dare they make those accusations. My husband is nothing but a hero (NOT a SCAMMER). #shameonbankofamerica #military #horriblebank #boycottbofa #boycottbankofamerica for making false accusations against military personnel.


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I prepaid my cc three weeks before due date and I figured they would not withdraw the money on the due date. Wrong. They did and immediately credited the cc with the same amount. Getting to speak to a human being? Impossible. My situation did not fit their options so I heard "this is not a valid response. Goodbye." Yes, their robot was hanging up on me. So I went online to make an appointment with the nearest branch. This is where it gets really devilish. 


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This was the email that I sent to their leadership. Nothing will make me keep my account open, I am just waiting for my check to clear. I have been a loyal customer for 22 years. As I am sure you know, it has been hard times lately, and I too fell on hard times. I am getting my life back on track, and part of that was the **** loan I took out from **** to make sure I had money to cover bills and pay off my credit cards so I did not fall into arrears. They would only send me a check, so that is what I had to settle on. I have put checks the same size as this into my account on different occasions and have never had a problem. However, your risk department decided I was a risk and put a hold on my check.


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We have 3 locations where - I live in WA, on average, anytime I go, there is always a line, and it's on average 1 hour of wait time. - Phone Robot Customer Service won't allow you to speak to a human. - Worst service in comparison with TD Bank and other banks. - They are always late when they send replacement cards close to expiring. - Cards are usually sent a month after a credit or debit card expires, causing automated billing to be missed, I told customer service, but they do not care. - I predict they will eventually be out of business due to reduced number of customers. - I hope TD bank becomes nationally available.


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Bank of America opened up a fraudulent checking account in my name in spite of me having a freeze on Chexsystems and fraud and freeze alerts on all three credit bureaus. I called BOA and was told that the customer rep closed the account, I NEVER received any email showing this was done. I was told she would email me something to fill out but I never received it, nor did it go to my spam mail. This checking account was filled out online and I received 3 emails from BOA in the early morning at 1:36 am. First said they were processing my information, (I thought it was a scam so I didn't do anything- of course I couldn't the bank was closed). Second was to confirm my email address (I never confirmed or clicked on the link). Third was a congratulations my account was approved. 


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I'm writing this with hopes that someone considering opening an account with Bank of America will be dissuaded. Despite having an over 50 years old account going back to when it was Bank of Boston, my utter frustration from the labyrinthine unreachability of connecting with what turn out to be dismissive agents has me feeling trapped by difficulties of changing direct deposit and debit card accounts to another bank. They make it as difficult as possible to reach a human rep should the need arise, setting up online and phone systems designed to thwart rather than assist those they claim as clients. 


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In March of 22 we received notice that our Business Debit card was being utilized at a retail location. We had to respond if we recognize the charges as we had the actual card and were home as the charges were taking place. Not only did we respond but also followed up with a phone call alerting the fraud dept of what was happening. At this point they cancelled our card and issued a replacement and we went ahead and changed all of our login info to our account etc. We were issued a credit for all the charges which were for the amount of over $2,000 of which our card was charged 38 times the amount of $55.00 huge red flag. 


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I have been with BofA with both personal and business banking for 11 years. I have had enough of their horrible in branch on call center customer service. They are so understaffed that they simply hang up on you. In the branches there is only 1-2 bankers at the windows. With all the fees they charge you would think they can do better. The Bank of America of old is long gone!


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I’m so mad at the bank right now that I feel like going to one of their branch and trash it. I deposited a check from my work a well known company. First they told me it will take 2 days to be available and that day is today, it was supposed to be available by 9. Now I go to my account and I see it will be available by 7/19 10am. I called them and the stupid agent tells me is it’s not even been 24 hours. Like what ? 2 days doesn’t even make 24 hours? I literally begged them to do something because I have bills to pay and their answer is they can’t even say anything until Monday. The second they give me my money I’m leaving this jail. I never cared to research before joining a bank but I guess I will do this week for my next one.


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Worst bank ever. I have been with them since 2004 with a balance of over $150,000 and at times close to $200,000. So, they have been making money using my money by giving high APR rate loans to people. And yet they offered me a terrible rate when I bought my house, I had to go with a different bank that I didn't have an account with. Lately I fell victim to a fraud committed by professional thieves making it very difficult for me to prove it was fraud. $3000 was stolen from my account into another BOA account. BOA wasted my time for months putting this through fraud investigation review. They refused to investigate the receiving BOA account, or provide me with their info.


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I've had many instances of terrible service but this last one takes the trophy. I needed a cashier's check. The rep made a typo to the payee that I pointed out and she corrected it. However, they charged me for the same transaction twice (over $2k) and cannot figure it out. So, now I have to be overdrawn and hope they figure it out, which no one seems to care about. Thanks B of A. Right up there at the tip of the problem with society.


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Why do you not automatically credit an account that was mistakenly double charged for a credit card bill? Why do I have to manually request a refund myself, and wait god knows how long for "processing" in between each stage? On top of that, why is there no way for users to review if something like this has happened in the past? Was speaking to an agent and all they said was "we have no record of past duplicate charges" and they just left without waiting for an opportunity to inquire further. Seriously? Jesus Christ.


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Bank of America sucks! We reached out to them on June 23rd to unfreeze the frozen assets of my parents. Brought all necessarily documents to local branch and financial manager uploaded them. Told me required 7 business days to process and provided phone # for estate unit. Upon completion of 7 business days a call to estate unit, where I waited on hold for 30 minutes, it was stated they did not have all necessary documents even though I had been told they had been uploaded. Was told after missing documents were available it would be another 12 business days to process. No feedback was ever provided. I am frustrated beyond belief at the handling of this process.


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I have been a client of the bank for 3 years, but I decide to close the account. The fact is that the whole of America, namely the banking system, is arranged in a certain way. People first get a debit card, the second step is the first credit card... If you use it well, pay on time, you can get a second one, and so on. This is how a person's credit history begins. I had a credit history until I was able to respond to a message from the bank. I didn't answer because I don't speak English well. Although at that point I applied online for a third travel credit card. Not only did they not approve me, they also blocked two valid cards. I have never had a negative balance in my account, every month I closed my credit cards on time and correctly. How much I spent, so much and returned to the penny. 


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I have a BofA credit card that gets monthly use, is always paid on time, and carries no balance. For the last month, BofA has been emailing me pre-screened offers, about 3 a week, asking me to apply for this new 'customized cash rewards' credit card. I finally applied (my credit score is excellent with no negative reporting, and I'm prescreened, so why not?) DENIED, is why not. Now I have a pointless hard pull on my credit report, harming my score. BofA: Don't barrage customers with prescreened offers if you're regularly denying applicants who have excellent credit.


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I have been a customer with Bank of America for several years. I started the refinance process on April 1, 2022, for a 2018 XT5. I submitted every document required. BA was able to get the registration, but it pulled the expired one with the leasing company instead of the one with my name. So BA stopped the process instead of pulling the correct one. So now I wait. I call and was told my application had expired. So I applied again...the whole process...but by this time the interest rate changed. So a couple of associates and a bank manager send the request to use the 3..% rate instead of the 4%. The requests were denied even though it was BA mistake by dropping the ball. Well that took a minute. So I call again...guess what!!! I had to apply for the car loan all over again.


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My usual branch has been closed for over a week, so I went online to schedule an appointment. The system would only allow me to do that at a branch much further away in the next town. When I tried to select another branch in my town (there are 6), it would not allow me to. I dialed a designated 800#, and it took me over 10 min. to get through all the prompts before I could speak with an agent. I asked him to schedule an appointment in my town which he did. He informed me it would be at 11 am today. When I showed up at that branch they said they had no appointment for me. Additionally. The agent informed me that another branch close to me was closed. I found out today it is not. How bad can customer service get?


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They Practice unethical business towards the client. I wouldn’t recommend Dealing with Bank of America. Hands down worst experience I ever received. Please run from these institutions. They will any to get your money.


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On May 6th, I received an email that appeared to come from BofA with the subject line "Security Alert: Your Online Banking Password Was Reset". However, I was able to go online and get into my account, which suggested that this was a fraudulent email. Still I called BofA and spoke to someone about it. They suggested I forward the email to abuse@bofa.com. That was the last I heard of this until two days later after $27,200 had been stolen from my account. First, someone transferred $7200 from my credit card cash advance line to my checking account. Then, someone went to the branch in Temple TX (my account address is in MA) and was able to take $9400 and $8400 from a teller in two transactions that day. The following day, they went to a branch in Webb Chapel TX and took another $9400. 


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Aside from not being competent enough to resolve an 8-mo issue with my small business credit card autopay, Bank of America has a number of failures of ethics, like intentionally, systematically defrauding the American public via late fees, homeowner mortgage sabotage during the 2008 recession, impersonating small businesses for the purpose of stealing 2020 small business COVID relief loans, and spying on Americans. There is no bottom for this bank too low to stoop to. Most of what they do has a cost analysis built in that tells them ethics is just another cost they can't afford in their brave new business model. They will be replaced by any number of banking alternatives emerging today within 5 years or less at this crash and burn rate. 


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Deposited over 4k in checks. ATM says half was on hold for a few days, fine. Next day I get an email saying checks on hold for 2 weeks out. What?! They’re state-issued checks not personal. BofA does this during the 1st of the month during the most crucial times. Payments being returned and having to explain my situation to everyone. Bank of America will hold YOUR MONEY as long as possible for their own gain while their customers are left suffering.


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My card was on my phone and inadvertently chooses when I went to pay for parking and due to the wrong card being selected I incurred $80 in fees for a $12 and a $10 parking transaction. I called the back and even though my account has been in good standing they refused to even look into waiving some of the fees. This is one of the worst banks to deal with. I am absolutely switching to Chase. I also had a minor account for my daughter which they started assessing monthly fees to. When I opened it a while back I was told minor account has no fees. I tried to close it out then was told I could not because it was dormant and would need to be opened which would take a few days. I eventually after much run around got it closed.


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Had fraud problems. Called BofA. Filled my claims. Person who filed my claims forgot to submit them. All the amounts were temporarily credited and approved... ON MY VACATION. They took all of it back making me negative $2000.00 and stuck with no money on my vacation. 2nd time this happened when I was on vacation... Trying to get someone to help you is joke. They don't give a **. Too busy watching TV at home. 


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Everything sucks about this bank now. I've been a customer for 25 years and I'm done. Using my debit card has become impossible with all of their security checks. If use the card at a restaurant it gets declined, same for cash withdrawals at an ATM....declined, but, only for a few minutes when they text or email me and ask....'was that you?' then it's OK; which is too late! I could go on and on. Screw this.


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I have used BOA for over 40 years. Currently, as many know, there are multiple Fraudulent websites and markers prowling on the internet. If per chance, you click one by mistake, as it Pops Up, while reading or viewing an article and since computers are so automated (they don't seem to have a chip shortage), a popup displays their product and there are hidden links behind the site and not cookies that put you directly into checkout and the computer fills in your credit card number - when you try to cancel it, you get frozen or a foreign country and all you can do is go to your BOA credit card account and instead of having a choice - of report charge or cancel charge, the only choice is "report it as Fraud." 


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Suffice it to say they are more than inept-never and I mean never do anything correctly. Worst bank with the worst employees. Do not bring your money to them. Run in the opposite direction as fast as you can. They should be renamed Bank of Errors.


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I'm moving to the UK. I used my personal Bank of America account to send 27k to my personal UK bank account. I waited two weeks and never received the money that I sent to myself from the US to the UK. I contacted Bank of America and they said they can't trace the funds and that there's nothing they can do and they don't know where the money is. So just like that my entire savings are gone, and Bank of America just shrugs. Meant nothing to them, they deal with billions every day, why should they care? It's only my entire life savings. I had personal and business Bank of America accounts for over 10 years. I'm closing every single last one and never associating with this disgusting bank again.


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I tried to open a credit account with Bank of America. They told me as a foreigner, I am not allowed to have a credit account. However, the woman at the office explained to me that there is a specific account for non-Americans that allows me to have a kind of credit account. She explained that if I give them $300, they will open an account and put that money in it then I can use it as credit. I decided to go for it since I needed to put money first to use it. A year later, and after paying for the account and not even really using it, they are asking me to pay the $364 for overdue payments (the $64 is because of overdue payment) like WTF? 


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Until now I have informed them 3 times and I have not receive my new cards yet after waiting for 3 weeks now. How could I buy something without these cards. Most of the merchants now don’t accept checks anymore.


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Recently I discovered a fraud charge card opened under my name. Not only do I not bank with BANK OF AMERICA but I don't have this card. I called. They had me on hold forever. Then the woman who answered said I had the wrong department. I said, Do not put me on hold. She not only put me on hold but hung up on me soon after. (it seemed she expected is as she warned me of the possibility before she put me on hold again). When I did find a person to talk to she took the info., she said she closed the account. But she did not send me a confirmation email. 


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After doing business with Bank of America for 25 years, I called Sunday, April 10 to report a spurious charge. I was was told the charge would drop off on the run Monday night. It was still there on Tuesday, April 12. I have called and talked to multiple people this morning who have all told me something different. I have been talking to people and been on hold for an hour and a half. I'm exhausted.


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I been a customer since 2013, recently experienced over 4700 gone from my account, the fraud department is not helpful. I have submitted police report, other documents supporting identity theft. I have dealt with Verizon, Cash App, Ebay, Chase Bank, Varo, the list goes on. Everyone was helpful with the exception of BOA who denied my claim stating I authorized someone to use my account. Bull I didn't authorize no one to take every penny I had. Sorry there is 1.69 in the account left. I can't access account online, I have asked them twice to change account number, still have not even done that. However the did thank me for being a customer since 2013. I asked the fraud department for their corporate number. I sorry I don't have that number. Stop ripping people off.


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I have been a victim of identity theft and Bank of America will not close out these checking accounts that are under my Social Security number. I have contacted the fraud department and told them that I have been a victim of identity theft and they are declining my request to close the accounts. They told me that there is a balance due of negative 400 something dollars and they will not close the account until payment has been made.


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Beware of Bank of America. I was called a cry baby by their representive for charging 48.00 for 40 checks. They told me I don't have enough money so live with it. I was called that by the manager as well.


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This would be one of my worse experiences ever in customer service with Bank of America (BOK), unlike other banks. The day before yesterday, I received 2 emails, which showed someone opened a new bank account using my name. I contacted the SSN and credit company. Looks like someone, from Elpaso Tx, has a credit check request for a BOK account. I contacted BOK today (03/18/22) regarding this issue and to delete the account. I was transferred to 5 to 6 different states to get the (check Fraud Account) dept. The whole event was repeated at least 3 times without any significant progress. Out of which 2 times I waited for 37 minutes and the second one for almost 57 minutes. 


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I have been an account holder for 59 years. I purchased a cashier's check for $15,000 to pay off a vehicle loan. The auto lender BMW Financial Svcs contacted me and said they had received the check but had most likely thrown the check away, but could not find it. They asked me to ask Bank of America to reissue the check. Bank of America said, I could not initiate the request for at least 90 days, and that the process could take up to 150 days. So, the bottom line is that Bank of America would have my $15k in their account for nearly 6 months. This is a anti consumer policy designed to maximize Bank of America profits at the expense of their customers.


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Bank of America cannot be trusted. They do not care about the welfare of their consumers. I lost a large sum of money through fraudulent activity. B of A said they found no fraud because someone had my ATN number. Fraud was both online and made at bank branches. I made a request to compare my photo with the individual making the transaction but they ignored my request and decline to reimburse me. It seems they are only interested in protecting their money.


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BEWARE: Absolute worst bank! Very misleading funds availability policy, be careful depositing anything but cash! The teller will hand you a paper clearly stating when the funds will be available and hours later you will receive an email, delaying availability by at least a week or more. Once this happens, it’s too late, you can’t get the check back to go cash it elsewhere, you are basically screwed!!! This has happened to me now, on more than one occasion, with checks from local banks, funds available and no history of bounced checks. Bank of America will then return items presented to your account, during their inexplicable, unjust and unreasonably long hold of your funds!!! Do not use Bank of America!


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At 6 pm I went to the application and saw that I was overdrawing it by $77.42 and I made a transfer of $78 so as not to pay the overdraft of $35 and at dawn they entered a check for $10 and charged me the $35. I called and they did not want to take it from me and I am never overdrawn, they are taking advantage of the poor by charging overdraft before they remove it at the end of the month. That bank is a cheater.


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I have always be skeptic of BOA, but decided to try them out last year. All the sudden I was unable to access my funds. I called them and they firmly told me that my accounts are frozen and they can't tell me why. I went to a local branch to get my funds out, and they informed me that it will take 2 weeks and then they will send me a check. Not a good way to earn customer loyalty. I will be take my business somewhere else, there are plenty of excellent customer oriented banks out there.


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I'm really upset that I deposit a check on my account with my bank and they put a 7 day hold on it until is cleared when I can go to a check cashing store or a Amscot and get it verified and cashed same day. Makes no sense they take that long for something other places that I DON'T HAVE A ACCOUNT WITH will do on the spot. RIDICULOUS.... BANK OF AMERICA SUCKS.


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Re: Bank of America Dispute Claim ID: **. I'm 65 years old. I am also a full-time hospital worker. I can't retire, as I live paycheck-to-paycheck. My Social Security isn't nearly enough to live on. Bank of America has been receiving my direct deposit from the hospital where I work (Eisenhower Medical) twice a month for almost two years now. The local Bank of America branch is the only branch in town, with the inside recently closed (sign on door says "temporarily closed"). The one drive-thru ATM and two exterior ATMs are still open.


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Words can never describe how horrible this bank is. Steal your money, lie to you and don’t care one bit how you feel. Worst bank ever. I wanted to cash a state check from my taxes to pay my rent to not be evicted and they told me only 2 days and then I called after 2 days and wasn’t available. They told me 2 weeks. I got evicted with my 3 children. Then I put cash in to pay for my insurance and yet again they told me it didn’t go through and charged me a fee and refused to refund the fee. So now my kids and I have no insurance coverage for the year. I don’t know how many days I’ve cried dealing with this bank. Not to mention I’m 7 months pregnant. This bank I put faith in has destroyed me mentally and physically.


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On October 26th, 2022, I used my BofA debit card to purchase gas near my house. Within an hour my account racked up 9 charges totaling nearly $1200. Bank of America, to their credit, noticed the fraudulent activity (9 charges to one parking lot in Brooklyn NY) immediately and put a hold on my card. I called the same day.. October 26th, cancelled the card, and filed a claim of fraud. It is now 9 days later, and the $1200 has yet to be refunded.. In a LITANY of phone calls to the bank, requiring waits of over 30 minutes at times, my fraud claim was started, and then followed up, only to be told I had to 'wait' for the processing to finish.., that is, for the charges to post. WHY pay charges only to later refute them? OK That's a bank's decision. But they did.


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We have a granite business and uses the bank over 15 years. They charged us to make cash deposits. And when questioned what is the fee for they said, "If you deposit over 7000 dollars in cash a month, they charge you 0.30 for every 100 dollars. We get to that number very easily considering each slab of granite is an average 1500. They found a legal way to steal moneys. SHAME ON YOU BANK OF AMERICA. Aren’t banks supposed to receive people's money? You are a truly MONEY HUNGERS.


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I went to visit my grandkids in TX for Christmas and sent my $30 Pmt 2 weeks early. I found out when I returned home that they raised my min Pmt by $5. I immediately sent another $30, which arrived 1 day late due to the weekend. I called CS, as they charged me a $5 late fee for being only $5 short for 1 day! My Pmt history for the entire 7 mos I've had the card was impeccable. I haven't had a late fee in 30 yrs! Neither the CSR nor her manager, would waive the $5 fee, even though 1 day late, I pd an extra $25! I will definitely cancel this card! Payment history & credit score not worth $5 courtesy waiver to Bank of America! I have been a AAA member for 50 yrs & they convinced me to apply 7 mos ago. I will advise them as well.


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On December 22, 2021, I had noticed that $1100 was taken out my account which caused my account to go into negative. Since it was after business hours I decided to wait till the next day. The next day came and my account went back positive. So at that point, I didn’t call the bank. I end up doing a transfer of $500 out the $1100 to my savings. (12/23) I end up enjoying my day and did some Christmas shopping. Later that night I made a transfer of $400 to checking. The next morning (12/24) I look at my account and it’s -$432. So I call the bank to see what’s was going on and she informed me that the $1100 was a economic child tax credit hold. 


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This is a very deceptive bank with some deceptive workers. They lied to me when I tried to send a Wire Transfer international to Jamaica National Bank (JN). My last Wire Transfer was in 2020 with no issues. Forward to January 2022 and both representatives in the Bank is telling me that they cannot send the Wire transfer because JN Bank is not providing the fees for the Wire transfer so they cannot proceed. So I called Jamaica National Bank (JN) using their toll-free number for North America and there is NO SUCH issue on their end. The fee is less than $30 for their customers with a bank account sending money to their US account in US dollars. Bank of America is the culprit who program their systems to block their own customers from doing a Wire Transfer International while giving the false narrative that JN Bank System is not giving the fees. 


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Where do I begin.... About 4 and a half months ago I saw what I believed to be a fraudulent charge of 6 DOLLARS on my account so I called them up to inquire. The lady I spoke with said she would take care of it and asked me if I wanted her to cancel my debit card and she would send me out a new one. I said no, that's ok...It's really not that big of a deal. She said that it would probably make things a lot easier if she just cancelled the card and issued a new one. And you know, hindsight is always 20/20 but oh how I wish I would have just said yes, send me a new card because what happened after that was a steadily approaching train wreck. 


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The home Equity team dragged me along for 4 MONTHS requesting me to provide over 80 agonizing personal documents while changing one incompetent BoA Officer after another only to tell me what they could have told me from the beginning- that they do not lend to single family dwellings associated with co-ops!


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This is the worst bank to bank with and Bank of america let someone steal from my account again and take my government ssi check. It is becoming a repeat. Stop phishing my account and fraud dept sucks. Do your job. Protect.


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So they just started the no overdraft fee… Now all of sudden it seems like things are taking a longer time to process. Even though I see it showing up it technically didn’t clear yet. One day it’s 500$. The next I can be overdraft-300… So something that was shown as a transaction a few days ago in your account don’t actually come out of till a few days later. Now you’re in the negative tryna figure how this happened and just maybe you’re hallucinating. Bad business.


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I opened up an account at Bank of America 11 months ago and did not receive a debit card. I call customer service 2 days in a row and waited on line for over 2 hours. When I finally spoke to a person, she acted as if I was bothering her. I then went to a site to complain and it said that filing a complaint would impact my credit score. I will be closing my account and moving to another bank.


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My sister died of COVID in November. Mom and I went to the bank in December because we have POD on her accounts. The bank canceled our appointment and made us go to another bank some miles away. When we got there, the person who we had made the appointment with Yolanda, was not there. Some other guy Eduardo helped us. He told us, they would send the paperwork to their Main Office, and we'd get the money in a couple of days. This was a lie. When the money didn't arrive by the following week I called estate services. I was on hold for 45 minutes. I was told it would be 2-14 business days. I waited again. The money did not arrive. I called a third time. I got another person who said the money would be there by Friday. It was not. 


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On Thursday, December 30, 2021, my husband deposited a check for $4700.00 into my Bank of America account at 5:00 am. The check cleared the Chase account instantly. My online Bank of America account stated funds from this deposited check would not be available for withdrawal until January 5, 2022, but would cover any items posting December 30th and beyond. No problem, I have had this happen in the past where I wasn’t able to withdraw funds but any pending or electronic items were covered. The next day, I get an email stating I was charged two $35 nonsufficient fund fees and my house payment was returned, along with a $500 credit card payment! Mysteriously, the message about items being covered starting December 30 had disappeared (I have photos/screenshots of everything, including proof the funds cleared Chase Bank almost instantly). 


