# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa725f59afb043d886935ad9942c1702
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited my student financial aid check into my Bank of America checking account at the branch located 2821 Pfingsten Rd, Glenview, IL 60026 on 02/27/2020. Before depositing my student financial aid check, I asked the bank teller how long will it take my check to clear as I am a current Chase Bank Customer also, and I cannot wait or have a hole placed on my student aid check. I continued informing the bank teller, I am travelling out of the country and need immediate access to my funds. I also expressed, if my funds will not be made available to me immediately (within 1-3 days) by Bank of America, I will deposit my funds into my Chase Banking Account. The bank teller at Bank of America informed me that my funds will be available the next day, 02/28/2020."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac6bc79e31cd4ac38ccc0a6d5a669bb8
encoding: FLOAT32
metadata:
{"chroma:document": "Had an insurance claim and they were just plain rude about signing my check so I paid off my mortgage and went to another bank. I would never recommend them to anyone nor would I ever go there for a loan or for an account. Rip off artists."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56f1a2f1bf3c4e02b85af28d601b8b0a
encoding: FLOAT32
metadata:
{"chroma:document": "They offered a free checking account to make it easy to pay the mortgage and I believe they offered a free safety deposit box as well. I enjoyed having them as my mortgage holder. The free items did help..I felt appreciated as a customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfcda5946d684110b5372d36a6da0798
encoding: FLOAT32
metadata:
{"chroma:document": "It was a pleasure working with them. They are Nationwide, have lower rates and have applicable discounts. Very professional wonderful company. I recommend that all potential home buyers go through Bank of America."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fcabe01f4e884e1693cc3f3e67d4b677
encoding: FLOAT32
metadata:
{"chroma:document": "The Bank of America is one of the worst banks in the world the leadership. Stole money from me when I had account in it in the 1980'S and never tried to return the money, every time I deposited the money it had to take over a hundreds of dollars for them and it is the truth."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7b9b317b2f84c898daf49f8868d15ea
encoding: FLOAT32
metadata:
{"chroma:document": "BOA processes your payments when they feel like so they can charge you overdraft fee. Why are they allowed to make billions twice on your money. Never bank with them. Billing department very disrespectful and unprofessional. I"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a796a432a454d3f91caf695a3b555b3
encoding: FLOAT32
metadata:
{"chroma:document": "Do not use Bank of America for an RV or vehicle loan! Bank of America made it incredibly difficult for me to set up automatic bill payment from my checking account. On February 22, I was transferred seven times (3 hours); I spoke to confused representatives across the United States. Below is a list of what I experienced:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a2b91de2ba84c89ae820d5532095a20
encoding: FLOAT32
metadata:
{"chroma:document": "I was visiting NYC and used an BOA ATM at one of their branches, and the ATM machine \"captured\" my debit card. Called and they were sending out a new one, but of course that didn't help my situation since I was almost out of cash and several states away from home, and the next day was a holiday. Had to cut the trip short a day because of this. Card was sent on Wednesday instead of Tuesday and as of Friday it wasn't here yet, because they sent it in the regular mail instead of FedEx. I even had to ask to have them waive the fees for them mailing me the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e9f25bb60684161bc16dd5998805692
encoding: FLOAT32
metadata:
{"chroma:document": "One of my client paid me $300 via BOA Zelle Pay for my professional service. Since Zelle payment cannot be cancelled, I thought the money was safe in my account, and I provided service to that client. Two weeks later, the client called BOA and falsely claimed that the payment was a fraud. Without talking to me or doing any investigation, BOA simply took away $300 from my account and gave back to that person."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5f5f79c50ef49f1aa552b4bfabd4004
encoding: FLOAT32
metadata:
{"chroma:document": "Maybe I was unlucky choosing a branch. This was at 59 Pope Ave, Hilton Head, SC, a vacation destination with many travellers. When I visited the branch, there were only three customers standing in line -- and there was no one to serve them! After a few minutes a single teller showed up. Then the tellers changed and there were further delays. The staff are pretty sour and unhelpful. The reason I visited the branch was because I used their drive-in ATM and it ate my debit card. When you're traveling, this isn't a good thing to happen, because you can't get a replacement from your own bank. Bank of America couldn't (wouldn't?) do anything about it, and they couldn't help me complete the transaction that I had started. They also didn't try to fix the machine or warn other customers away from it. I went up the street to TD Bank on New Orleans and they went out of the way to be helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fbc1166f2f6401e850e22c4381a15c8
encoding: FLOAT32
metadata:
{"chroma:document": "Please heed messages from the other Bank Of America customers, I wish I had I have been with BOA since 2007. Their customer service is awful! I called 3 different times yesterday and received 3 different reasons why they put a 10 day hold on a check I deposited from USAA bank (a military personal bank and insurance company) for a auto claim. I was originally told, even on the deposit receipt, that the funds would be available the next business day. Therefore, I set up the vendor who repairs my vehicle to be paid in accordance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b483e7a4be0d46b4a5570977d7c983e8
encoding: FLOAT32
metadata:
{"chroma:document": "For many years I used direct payment method to pay my Bank of America Visa card bills in full. This way my payments are always on time and in full. In November 2019 I called Bank of America customer service and asked the representative to change my direct payment from one bank account to another. The female representative said it was done and gave me a confirmation number. On January 30, 2020 I received a notice from my credit reporting agency, TransUnion. I checked and found that Bank of America had reported that I was delinquent on two bills. Consequently my near perfect credit score plummeted. I was surprised and puzzled. How could that be?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b381f105645746198d7161ed569e3a32
encoding: FLOAT32
metadata:
{"chroma:document": "My wife and I have been with BoA for over 10 years. Our checking, savings, and credit cards are all through them. They've been pretty reasonable so far. Their treatment of us over the past couple weeks has lost our business forever. I guess there are some federal regulations that require banks to verify their customers' personal information is correct. That's fine. To contact us about this, they sent emails and (apparently) physical letters. Personally, if I get an email or a letter saying our account is in danger etc etc, my scam alert goes up and I ignore it. \"If it were that important, they would call.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 343e66ff333e4a5e90626bb222e160f4
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is horrible. I have never done business with them and I never will. They allowed someone using my name to open six (6) accounts in my name. They sent statements which alerted me to the problem. I called to tell them that I had not opened the accounts and the activity was fraudulent. The computer that answers the phone wouldn't connect me to ANY department until I gave them my account number or social security number. Since I had not opened the accounts, I didn't have an account number and since their bank had already allowed fraud to be committed in my name, I did not want to give them my social. I had to take a back door to get to an agent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba7672e7446b45b3bb49187f3978f377
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a customer since 2003 and recently when I called to Bank of America they gave me incorrect information that cost me money, When I spoke with the supervisor, only said, \"Sorry for this wrong information.\" I will not recommended anymore this Bank. In the last year you have to wait too much time to speak with any associate and they do not provide solution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0bafb4ba73a34fbabe532e2d1429781c
encoding: FLOAT32
metadata:
{"chroma:document": "I'm well aware most banks make revenue through their fees. B of A is very good at making getting fees from even the financially responsible customers. Basically any time I have a low account balance I will try to deposit checks to avoid over drafting. Conveniently enough most times I do this my check is \"held\" for over a week so not only do I get over drafted but I dont have that money in my other bank account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b137e30d93c44c0ca8ae74f01d34bb39
encoding: FLOAT32
metadata:
{"chroma:document": "I received a letter from BOA in November to thank me for opening an account with them which I never did. I immediately called in to close this account and it took about 2 hours just to get through to someone. If I'm calling in to report fraud, why would you ask me what my account number is and then asked me what kind of account it is? How would I know? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5682ab187794c7f92e2f51f1f07cc7c
encoding: FLOAT32
metadata:
{"chroma:document": "They literally Stole $305 from my account, blamed it on the payer, even though they collected the funds from the Oregon Dept of Revenue, never credited my account, and had the gall to tell Me to have the state of Oregon file a claim against Them in order to get My money back, which the Oregon Treasury confirmed B of A TOOK from their coffers... NO Integrity, Dishonest, Uncaring. I would NEVER recommend doing any business with this corrupt, unapologetic company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb5f584987414deb83771ef85c352f6e
encoding: FLOAT32
metadata:
{"chroma:document": "Good afternoon, On October 7th 2019 I returned a vehicle to Aruba Thrifty car rental. Upon inspection I was charged an additional 100 dollars for what they say was a small again SMALL DING in the front fender. I send BofA proof of pictures and all the documents I had. They credited me the money and then this morning they put the 100 dollars back on my Credit Card. I hope you need the 100 because you just lost me, my family, my friends, and any enemies may have. I will make it my mission to make sure nobody uses Bank of America ever again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff3010412fdd4056a57b166faff758b5
encoding: FLOAT32
metadata:
{"chroma:document": "Been a Bank of America customer for over 30 years. Was charged a $25 maintenance fee for a checking account that they no longer offer. They did reverse the charge and said I would never receive another charge. After receiving another charge I called 2 have it removed and they refuse to remove it. I can't believe they'll risk for 30-year customer for $25 charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce1403513633489f9a173697be38f474
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Bank of America has been horrible. I wouldn\u2019t recommend their establishment to anyone. They charge you multiple fees, their customer service sucks, and they hold your money and charge you overdraft fees for your transactions. I would not recommend opening a business or personal account with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b01cdd3b41064fd29001da4f256d52d1
encoding: FLOAT32
metadata:
{"chroma:document": "I've been dealing with Bank of America branch at 1450 Walton Way Augusta GA 30901. Over the past 8 years since I've moved here and over the past 3-5 years they have done things there way. So as far as I'm concerned it's not banking my way, it's more you have to do the banking their way. SO BE VERY CAREFUL DEALING WITH THIS BRANCH. I'll explain as well as I will be taking my problem to the Corporate office as well as the Better Business Bureau and advise everyone else to do the same. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1990a77834a413fbedd4368213c2084
encoding: FLOAT32
metadata:
{"chroma:document": "BOA customer for over 20 years!! 3 checking accts, mortgage and home eq accts. Responding to all the other unsatisfied customers and providing additional information for those considering BOA. The only positive thing I can say about BOA is that their website is easy to work with. That's it. 20 years as a customer and that's it in a nutshell. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbd4b947907e417b96f613b437eac2ab
encoding: FLOAT32
metadata:
{"chroma:document": "I stopped in at Bank of America to cash a check, that my tenet gave me from bank of America in Lindstrom MN. They wanted to charge me $5.00 for cashing their customers' check. I put the fee on my Discover Card. When the bill came from Discover I disputed it and got my $5.00 back! CROOKED bank...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 698a7303a62842a480b1dc932d6e9106
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Bank of America off and on since 2004. I started a new checking account and decided to take my paycheck into the branch to deposit it. The teller tells me they would hold the check until January 23rd. Cool! That was no issue. However, I called the automated line and was told my check is holding and will be released on January 30th. This is a big problem!! I have small kids and have no idea what I am supposed to do for money until then. I called their customer service department and was basically told \"I understand how you feel\". How could you possibly understand how I feel when I can't even feed my kids. What makes matters worse, is no one could tell me why my check has been put on extended hold. I asked for the name of the dept. I could speak with and was told they do not speak with customers. Stay away!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 992d4400b8354f85866338e45550a804
encoding: FLOAT32
metadata:
{"chroma:document": "This is the second times. So, I have to write so that you may aware. I am a more than 20 years customer of BOA and using their full services including 4 accounts (2 saving and 2 checking account); I have two cards from BOA: BOA World Master Card and my BOA debit VISA card. Somehow, after I renewed my cards (credit and debit) in 2019. BOA set up something wrongly into my current cards/accounts so that I can never purchase any international items, they keep require additional verification steps so that it failed ALL purchases including buying directly international flight tickets from Air Thai, Qatar Airways.... websites (NOT thru any ticket agency / tourist services). So, I am temporary full-time student in India, my US phone will not be available for using in India (the sim chip is incompatible). So I have to use my alternate cell phone number in India."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de937becb4534788bd5401d5033cfa33
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with BofA about a month ago. Today they closed my account, without reason. I had no overdraft fees, I had over $1300 in the account, I had direct deposit set up. And I went to log on and my account was locked. I called their customer service phone number and the guy told me that they decided to close my account. When I asked why he gave me some corporate spiel how they can close an account whenever and they don\u2019t need a reason. So I asked to speak to a supervisor, considering I had just deposited quite a bit of money in the account, and I had bills I needed to pay, plus I\u2019m moving across the country in a few days and I need my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c8163e7fa39482dabf911fee3f58b93
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with BoA for more than five years and during that time have heard numerous personal and business acquaintances complaining about what a terrible bank BoA is. My experiences with Bank of America have been limited, but none of them have been positive. Today I went in to make a withdrawal and get some information about my account. From their manager to the 'Personal Banker' to the Teller, customer interaction was terrible. My guess is that being the crap company that they are, they are not able to get, or to keep, quality people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5bcc1aabc274cfa957d06e790a7cdb9
encoding: FLOAT32
metadata:
{"chroma:document": "I wish there is an option of negative rating. I would have given them a lowest ever rating possible. They are the horrible bank to deal with. With decades old process and online system, I am not sure how they are surviving in today's world. Now I will explain the specific issue I faced. I had a checking account with them with a direct deposit setup. Along with this I have a credit card too. I used to pay my credit card bill online using my checking account. Few weeks back I closed my checking account for hell lot of issues like: 1. You cannot move funds quickly, 2. Their savings account APY is the lowest in the market. 3. Lots of restrictions moving money to and from. etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2534a5230d2d4e188addea58029dfde2
encoding: FLOAT32
metadata:
{"chroma:document": "I had a BoA Master Card Credit card for almost 20 years with with over a $10K credit limit for most of that time. I have excellent credit and had no issues for most of the period I had the card. I'm a person that pays off my credit cards at the end of every month. I hired a new bill paying service to pay my bills and there was an issue with my MC credit card getting paid for a couple months. I found out in month 2 at the 60 day period that the card hadn't been paid. I got the issue resolved with my bill paying service and called BoA and told them payment was sent electronically and was on the way. The next day I received an email telling me they had lowered my credit limit from $10K to $500. No notification, no warning, just whipping out my credit limit over a total amount due of $200. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1525f0bf4bd54dba886b6f37c6a0e2a1
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been banking with BOA since 2013. I only opened an account with them because I lived abroad in Germany and Deutsche Bank allows me to use my BOA card without any fees. The past two years have been horrendous with them. I opened a business account and the banking specialist (not a teller) asked me what the difference between an LLC and a DBA is, she fills out my EIN number incorrectly and then asked me what an EIN number is. They also told me erroneous information that costed me money (saying my business partner doesn\u2019t have to be physically with me to be added to the account.) They love charging fees. I had nearly $200 in fees for having insufficient funds despite having deposited back nearly $400. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 202626ca80db49e5bdc6abc00fb27d0c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a client of BofA for 12 years. My credit card bill was due on Jan 2nd for $184. It was New Year's, I was travelling with the family, and had $94 in my Checkings Account. I have AutoPay on, precisely so I don't miss payments. On the 2nd, there weren't sufficient funds on the account. BofA charged $25 on my Credit Card as a \"returned payment fee\", then $35 on my Checkings account for \"overdraft\" and then $12 on my Checkings account as \"maintenance fee\" because my balance of $94 is not \"high enough\".... So in total they charged me $72 for not having $184 in the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9dbf27e50a64b789fc2346db7d34acf
encoding: FLOAT32
metadata:
{"chroma:document": "I closed my Bank of America credit card yesterday. Please keep in mind I have been a customer for years. Always paid my balance off and no late payments. On 01/02/2020 I have a fee charge for almost $30 for a credit card transaction. I paid my mom car payment on the company website. The company website use Western Union. The CSR tells me it was a cash withdraw payment. How is that a cash withdraw payment? The CSR would not waive the $29.41 fee so I closed my account off. My credit card account balance was $2,079.41. It was the principle of the situation. Obviously, I had the money but the fee was ridiculous due to it was a credit card payment not cash advance. I will continue doing business with Discover. Excellent customer service and will love to have your business. P.S. I have proof of the credit card payment not cash advance payment per BBA CSR."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b9d40066cf1472d8f89f18bdf0c3895
encoding: FLOAT32
metadata:
{"chroma:document": "I left Bank of America after about 15 years of banking with them. Hands down the credit cards and perks I get at the other bank I switched to are better. I have kept my cc with BOA because I have had it the longest and it is factored into the maturity of my credit score. Having said that, I have two Chase cards where the perks are significant. BOA offers 5-10 percent off on a few items and stores and this does not impress me. I just got another 90 dollar Amazon Prime card to spend at Amazon from Chase for paying off my card. I charge items monthly and pay them off monthly to build my credit and get these rewards. Additionally, BOA of America would not reimburse fraud on my debit card. This is why I switched from BOA to another bank. It just made better financial sense. I also got a stipend for opening new accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a0083e6ff73405eb8ad6eb976947d12
encoding: FLOAT32
metadata:
{"chroma:document": "I am utterly disappointed with BOA, What's sooo American about holding and freezing my funds. Not only did they put a hold of over 10 days on a cashier's check, but they also decided to freeze my account. I'm definitely switching banks ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6ced1f4a4a1494fac1502a6ef211d69
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America are crooks. I had a claim with the bank for $490. They denied my claim only to confirm 5 months later that my claim was valid and they would be issuing a check. Well it\u2019s been 6 weeks and of course no check. Don\u2019t Bank with these people. The fees are too high and they do not help their community. Bank with a credit union. Much much better results and they are loyal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1a01cd16c414e57a613dc83deac169b
encoding: FLOAT32
metadata:
{"chroma:document": "I had been a customer with Bank of America for 30 years and I finally have had enough of them arbitrarily changing the rules on my accounts in order to CHEAT me!!!! I called 3 times with my latest issue while enduring very long hold times and they refuse to stop charging me a monthly fee that they made up with no basis for charging that fee! The last person I spoke with, Tiffinay in South Carolina, didn't know much about Bank of America and definitely does not have proper training to talk to customers. I also asked her to explain the basis of this charge and she could not explain why, but she was adamant that they are valid fees. My advice is Don't get an account at Bank of America to begin with and if you have an account at BofA find another bank that is trustworthy!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 378017847166403fbfc79fcf2bd19ce9
encoding: FLOAT32
metadata:
{"chroma:document": "** of America did a inhuman thing to me. Thank goodness I found out sooner. On 12/ 23/19 I made a purchase. The cashier told me the register stated for me to \u201ccontact bank\u201c. I was taken aback. Surely it\u2019s a mistake. I have funds in my account. I called BOA. I was told my debit card is closed. I had to call Monday ( next day ) to find out why. I was doing Christmas shopping! The next day I called ** of America. Yes, they confirmed my account was indeed close. The told me \u201cIt was a business decision\u201c. WTH. I\u2019ve been a client for 14 years. They just cut me off. I was a Preferred member. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9e0713cf7c243eea1cd6ea4cb94c5f9
encoding: FLOAT32
metadata:
{"chroma:document": "After being an \u201cAdvantage\u201d customer for nearly 20 years, I will be closing my account with them. It appears, after reading some recent reviews, BOA needs your money this holiday season! I am finding that what happened to my son and I is happening to others. My son is disabled, and I am his legal guardian. He tries to be a contributing member of society and holds down a menial little part time job. He shares a bank account with me. He has worked for the same company for 5 years. ADP cuts his paychecks, and Wells Fargo is the originator. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65cd48ef653c4c5a862b7139aca2e858
encoding: FLOAT32
metadata:
{"chroma:document": "Imagine having a business bank account open for 5 months, and after the first 30 days, all of your deposits are available the next day, as promised. The bank account has never had any NSFs, nor any returned deposits. One day you deposit the same $9k check to your account, which has been deposited multiple times before. The check is from the same customer, drawn on the same bank, and the same amount, as all of the times before. The online banking system and mobile app, show the deposit, and clearly states \"Credit pending (available to cover items posting on the same day as the deposit\", available next business day for withdrawal and debit card purchases\")."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea717d5cc9b54c6d82f67d0a65a3c4c7
encoding: FLOAT32
metadata:
{"chroma:document": "I can't believe BOA decided to be closed on Christmas eve!! I can't get my deposit until Thursday!! Other banks are open and will be closing early, which is fair, but for BOA to be closed on Christmas eve is terrible! If you were open for a few hours, then those of us waiting for deposits would've received them! A few hours isn't asking much, and your employees probably had to use their time to get paid for today, if they had any, other than that they don't get paid smh, shame on you BOA! And for that, you could've opened, even though I'm sure the employees are enjoying this day off but still, we needed our money!! There was work to do, you guys dropped the ball!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc1844b705c74cc6be13653c395bc15a
encoding: FLOAT32
metadata:
{"chroma:document": "I made a regular monthly payment, more than the minimal, to BofA before the due date, which they did receive. I then followed with an another payment, again well more than the minimal, 3 days after that month's due date thinking this would go towards the next months billing cycle, basically paying the next month early. Then I receive the following month's statement with a $28 late fee which they refuse to refund. As it turns out I'm told both payments were put on the \"first month\", even though the second payment was 3 days after the first month due date. I'm told if the second payment would have been 1 day later than it would have been applied to the next month's statement. I'm ok with that explanation, but under these circumstances I would expect the late fee to be reversed, not with BofA. It's very clear to me now why they have such a poor rating."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0435c83500f6400b92685bcb02844544
encoding: FLOAT32
metadata:
{"chroma:document": "Both of my credit cards (BOA and Citi) were breached by the same company. Citicard took care of it immediately. BOA initially sent me a letter saying they had taken care of it, then they reversed their decision. I spent 4 months trying to straighten this mess out, they refused to help me and make things right. Do not use this company. They have TERRIBLE customer service, their automated call center is worse than obnoxious and they will not stand behind you as a customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: adb9a86a5081408ab334020ac7ec2428
encoding: FLOAT32
metadata:
{"chroma:document": "Went into bank branch to apply for auto loan. Bank placed wrong personal and password information into loan application, so I could not check on process for several days. Some was also wrong with the loan officer's sending emails, as I never received any emailed paperwork, even when (after several attempts at calling and being on hold) I was on the phone with the loan officer and he attempted to send emails. Car seller tried to send, via email, the registration and title to loan officer email. Loan officer said the images did not go through. This part went on for a couple days. The seller's third attempt at sending the title and registration images went through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d6c167033c14d6fa0fbe0f84f2604ac
encoding: FLOAT32
metadata:
{"chroma:document": "I spent nearly more than month trying to get an auto loan, during that month nearly called the bank every day and every day I Discover that I'm dealing with people don't know what they are doing or even care for the customer, Really this is the worst customer service experience I've ever had, They promised me many times to finish my loan, they apologized many times, they left me many times without any updates till the documents they asked for it expired.... Soon I'll close my account and credit cards from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cd94adf94034d4bbdde45e4369e1e5d
encoding: FLOAT32
metadata:
{"chroma:document": "I usually don't write reviews but in this case felt obligated to do so. If I could give this bank a zero rating I would. If you're considering starting a business or opening a personal account please stay far away from Bank of America. If your acct ever gets low $30-50 what they do is show you have a certain amount there, you might use your card for something small let's say $5-10 and once a large sum is deposited they hit you with multiple $35 fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dac7190bb5bd4bc69a0dd8967937992b
encoding: FLOAT32
metadata:
{"chroma:document": "My husband's gets paid biweekly, and his paycheck was supposed to be direct deposited on 12/6/19. It is now 10 days later and all that has posted to the account is $0.01, out of $782!! They have given us every excuse in the book, and made up a few new ones like 'the account has to stabilize.' It's become obvious that they have no intention of ever giving us our money and bills and rent are severely past due. We are talking to a lawyer tomorrow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bc45e13f90f4bd5a467571afaa82857
encoding: FLOAT32
metadata:
{"chroma:document": "STAY AWAY FROM BANK OF AMERICA! Charging you for overdraft fee for 5 times in a single night for $35 each. You don't receive any warning when you are charged overdraft for the first time because they make it when you sleep at night. What a ** bank! Other banks gives you couple days to make deposit if your balance goes negative, they do not charge you overdraft fee! But boa does very badly. Always transactions are reflecting days later, orders are changing so you can never track properly! Another thing; you pay your credit card, it is withdrawn from your checking account sooner but you can NOT see available in your credit card accounts for DAYS! This bank sucks, not friendly, trying to put you worse position, without warnings and helps! I have lot more to say!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 095144a4c74a4998a8019b3db2e77e0f
encoding: FLOAT32
metadata:
{"chroma:document": "Their customer service is absolute trash. There is never any actual help. I had a claim opened with them and they never contacted me once as it was explained to me to gather the facts, proof and etc to support me in this. Not only did they deny me my claim (while I have all of the proof) they also have all of the information on the thief I got scammed by. His name, bank info, location. It\u2019s great knowing that they\u2019re there to protect the bad guys. I will be looking for other bank options from here on out. Waste of 10 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dac2012a476f42949a432fb1857c34c1
encoding: FLOAT32
metadata:
{"chroma:document": "My wife and I had been injured and could not work. Our mortgage was 127k when BofA began helping, when they sold it our mortgage had grown to nearly 200k. We needed a loan mod. They sent the mod. papers. We followed the instructions and returned the papers only to be told that we did not send what they needed or things were missing so many times I lost count yet would not tell us what was needed or missing. We sent all that was asked for time and time again. Our mortgage is go up the whole time. The company who bought the mortgage modified the loan the first time. No problem. By that time b of a stolen all they could from us and moved to the next victim. They need to be in jail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b9902b501ed4c3789eac4ddce771889
encoding: FLOAT32
metadata:
{"chroma:document": "Age can be a cruel partner, especially when dealing with Bank Of America. Is there a Support of Elder Abuse clause written in the handbook for aspiring employees? I have had to endure the endless avenues of deception that seem to be common practice in deflecting responsibility in the banks wrongdoing. I am not even sure where to start, the list is as long Tolstoy\u2019s War and peace has pages, or the last two years of my life (this started in April 2017). So I think a few characteristic excerpts will give you a fine idea\u2026 "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86648b731c124085a237409ac8a45df9
encoding: FLOAT32
metadata:
{"chroma:document": "Applied for auto loan 2 months ago, nobody called me and every time I call they apology and said, \"Will update you sir,\" and again no call back and every time please upload documents and different issues, Really worst customer service ever I had."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59c47beecd61490ab6c4a932849207d0
encoding: FLOAT32
metadata:
{"chroma:document": "Brandon ** Wed, Jun 27, 2018, 10:13 PM to takeittoakin. Hello, Have you ever lost your credit card and feared for your financial future? This is not your typical story about credit card fraud. Let\u2019s start the story at the Houston Police Head Quarters in downtown Houston. This experience started with the routine metal detector and waiting time that you might experience in any government building. Initially, I went to file a police report for a current fraud case with Bank of America, but after the procedural forms and Police Report I wanted more."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83e6c97a43194c3291135f20904b3ca9
encoding: FLOAT32
metadata:
{"chroma:document": "This bank was unable to help when we really needed their support. My husband & me paid $560.99 using BOC credit card to one of the most fraudulent online ticketing agency for a rental car hoping to use during our last vacation abroad, but we could not get the service at all. The ticketing company denied to back our money even though we did not use the service. Then we asked help from the bank. For the first time, they easily resolve in favor to this fraudulent online company. We again requested & gave the all evidences & communication records that we had about this transaction to reopen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aec71bb756f148e09b48dbb664e30186
encoding: FLOAT32
metadata:
{"chroma:document": "Getting run around In circles by customer service is a normal thing. They will all tell you different policies and none of them are consistent with each other. They will randomly hold funds and make you wait days to receive them. I waited days for funds to cover the fraud on my account. (3rd time) And new fees after 10 years, and hours on hold with customer service, I\u2019m done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63aeefcb287a4676b28318f4071eb5ec
encoding: FLOAT32
metadata:
{"chroma:document": "On 11/29/19 I noticed a charge on my account which I didn't authorize. Immediately called the Fraud Department cancelled the debit card and did reissue new card. But when asking about the refund of monies plus the overdraft charge I ended up getting several answers and no 2 answers are the same. SO unprofessional. Was told charge will fall off then no it was posted now who knows. As of 12/3 still don't have the monies back in my account. I have never had such horrible customer service and return of funds. As I am typing this I am on hold which I have been for 20 minutes  VERY UNPROFESSIONAL AND CUSTOMER SERVICE!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3a47a8ef0bb4ffba5e120a127db88c9
encoding: FLOAT32
metadata:
{"chroma:document": "Hi! I had the worst experience with BOA today. In fact it reduced me to tears of frustration. I deposited a money order of $650 on 11/28/19 at their ATM location. They put a hold on the funds until 12/10/2019. That is 12 days!!! I was down to $7 in my account. I was worried I would go into negative balance and then get charged overdraft fees. So, I called their customer service number, explaining my situation. I was on the phone for 2 and a 1/2 hours, pleading with them. Nobody would help me. I couldnt believe it. It wasnt as if I was asking for a loan. I am asking for money I deposited. A MONEY ORDER is equal to CASH, you dumbos. A manager called \"Young\" was very condescending. She said they would Give me $200 which had to be withdrawn before 12 midnight!!!! ID ** is the manager's I.D., or so she said. I've never heard of such nonsense. Needless to say, I will never bank with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ee89bc166fe47f9ac2defd65edc406a
encoding: FLOAT32
metadata:
{"chroma:document": "/cannot resolve an issue online with BOA? Try to call their customer service! Plan on having no one coming to your aid. Listen to repetitious auto messages etc etc., Same thing time and time again. Nobody want to talk to you. Want to send an email Regarding your account? Forget it, no chat line either. Only way to resolve issues is to cxl the c/c's! Put the phone down 90 minutes now, still nobody home! They have a feedback page with client relations woman in charge, what a joke!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ba98de489ee4a2cb2dd7b9e7e691d66
encoding: FLOAT32
metadata:
{"chroma:document": "This bank's interest rate is well above the national average. I experienced an uninitiated increase in my credit line and at a time when I transferred some of my balance to save interest, my credit line was reduced drastically, adversely affecting my credit standing. I also did not receive a complete credit agreement and was unaware of many of their policies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f15ac1ebf7d74b6d855b95b65bfb54c7
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank and worst customer service available. I filed a fraud charge on my account and they acted like they were trying to help. Without notification they denied the claim and assessed $315 in charges for themselves on my account. Was told when I called that she could not explain the additional charges and to look in my message center. Still no explanation for the additional charges. Changing back to Chase Bank. Looking at the fees since 2014 I am astonished and should have paid more attention sooner. This should be illegal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5725f762713e4beb8d052ac922a285d0
encoding: FLOAT32
metadata:
{"chroma:document": "Services were absolutely terrible. I was sent in circles for 3 hours by your customer support having to recall back because I was transferred to offices that were closed. Then when I finally was able to reach the right person THREE DAYS LATER she said she would take care of my problem and waive my returned check fee (Since I had no idea this had even happened and it was a mix up at my bank) and unlock my bill pay. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44401af6fceb48c6947933336955fa8c
encoding: FLOAT32
metadata:
{"chroma:document": "On 10/14, I mailed a Bank of America (BOA) check in the amount of $1200 to the address below: Internal Revenue Service, Kansas City, MO 64999-0202. After receiving a letter from the IRS on 11/2 that the check was not received, I logged into my BOA account to check the status of check #**. In reviewing the check, I noticed that it was cashed by a Merchant LL2 at a UMB bank. I immediately called Bank of America fraud and initiated a claim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff8da45b8c934e03b40cd285a9159de4
encoding: FLOAT32
metadata:
{"chroma:document": "BOA at 25260 N Lake Pleasant Pkwy, Peoria, AZ 85383. This is absolutely the worst bank ever. The manager ** is a complete tool. Unhelpful, more interested in eating or talking on the phone to do her job. I mean what does she do besides stand there and look stupid. Only one young lady helping people. The other banker just sits in his office on his phone. I can't believe Bank of America would be ran in such a horrible way. Waited 20 minutes to get help. I would not recommend this bank to anyone. Definitely looking into moving my accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b393869a02b42b29d3244e02a6d7588
encoding: FLOAT32
metadata:
{"chroma:document": "It was easy to tolerate the changes in this business account. Hundreds of thousands of dollars deposited over the years in my business account. Ten or more years they took away drive through, then business teller. But this month, 1 business day hold? Not going to happen. My wife and I were tired of standing in line for up to 1/2 hour when only 1 teller was in our branch to take deposits. Bank of America is the worst bank I have ever banked with. I got a letter from the BOA President once. And credit for a stupid account mistake YOU made. I'm gone. But my social media truth will last for years. Don't open a business account with this bank. They don't understand business at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1fa919ae7e4c44a2840d82685f715c33
encoding: FLOAT32
metadata:
{"chroma:document": "They probably have the worst customer service here. The managers are incompetent and rude, and the employees they hire are pretty much the same. The quality of customers they cater to tend to be ** so the staff mirrors that. Never going back here again. Plus it's outdated and the service is really slow and awful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 747784b4ded749cb9e2875a71ce93bb5
encoding: FLOAT32
metadata:
{"chroma:document": "I had experienced a double draft in my account to which overdrew my account. This was not my fault. I had the money in the account and for some reason, probably to get more money out of me by overdrafting my account, they declined the first transaction and it didn't show in my bank account for about 30 minutes. I checked to make sure it didn't go through so I could try to do the transaction again. Oh boy, did it go through, twice and I called Bank of America right away. One of the representatives that I spoke with said they weren't able to do anything until Monday. Okay, fine I can survive a weekend. This started on 11/15. I wait until Monday 11/18, still nothing. Okay, maybe it's just delayed from the weekend. Called on Tuesday 11/19, said it would be in my account Wednesday. Still nothing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40a141d41f9e47799fa44e8146ed75b6
encoding: FLOAT32
metadata:
{"chroma:document": "I couldn't cash an $8.00 check because it was made out to my nickname and my license has my birth name. OMG, I have a bit more than $8.00 in my account, not to mention that we have been long time customers. Can't stand the inflexibility of this bank. It has happened before. I can see why BOA has only 1 star, and that's probably too much."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 82d95da398c14b6eb6ef1c421ebc719a
encoding: FLOAT32
metadata:
{"chroma:document": "Have been with BOA for the last 14 years paid off my of 5k balance in full. No late payment history and they refuse to remove accrued interest charges of $28 for once. Never ever asked then any adjustments before. Will not use them again!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 727f7db65f0749f387ba5e1c8856c406
encoding: FLOAT32
metadata:
{"chroma:document": "** service and process. I haven't seen this kind of worse things happening on my account. Fraud transactions happen frequently and slow transaction influences my purchase multiple times. It Sucks. They said they are 24 hours service but I actually waited for 30 mins and no one response. What a liar!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bf5ccdad243404ba36b9b07ff371cce
encoding: FLOAT32
metadata:
{"chroma:document": "When I opened my BOA credit card, the system allowed me to select an auto-pay date, so I set it for the 15th of each month. Typical date for an autopay. My designated payment amount was deducted consistently, every month for 6 months. I didn't think I had anything to worry about, so I left the account alone. When I decided to look at my transactions one day, I noticed that I had been charged a $39 late fee ON THE EXACT SAME DAY AS MY SCHEDULED AUTOPAY. What? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50403019a6e648159e59d3683f4349b1
encoding: FLOAT32
metadata:
{"chroma:document": "Scammers in the first degree. Got a new car loan of 4.84 when it should have been 2.99 because of an 840 credit rating and 23 years of being a customer. Not only did I not get a good rate, they gave me the very worse rate and then admitted I should have had 2.99 but that they could not correct it even though I had not even made a payment yet. I am pulling out ALL my business and closing all credit and cards with them. They are criminal!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30da354626834cf8a9df19d3d15f1f0c
encoding: FLOAT32
metadata:
{"chroma:document": "Called BOA customer service was on a hold for an hour and a half to be treated like I was nobody. Then I make an appointment for the local branch and was called by the person I was to have an appointment with and was told that there was somebody that had an appointment prior to me that would take longer than necessary and could the issue be handled over the phone. I immediately called back and spoke with said person and asked if she could please hold for a moment as I had a customer in front of me (walked in after I was on the phone) and she said \"just come in for your appointment, I have somebody waiting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 402ab394089447f2ad602ad2b30018e3
encoding: FLOAT32
metadata:
{"chroma:document": "Been on hold for over 90 minutes trying to get an answer as to why BOA continued to take auto payments for an account that was paid in full and had a zero balance. In addition they billed interest for a balance transfer to the wrong account, and seem to have bungled up my auto pay and are charging me returned check fees for auto payments that are set up (properly) to make payments from an account that is fully funded to make said payments. If there was a zero stars that is what I'd give them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02d35a8e87144d2ab783213cb039fba3
encoding: FLOAT32
metadata:
{"chroma:document": "Very careless telephone customer service. They are never there. Tried to get my lost credit card replaced. Swung me from option to option during the call, only to tell me they cant do anything about card replacement on a call. They also claim their Netbanking got many options including card replacement. But in reality, Nothing is functional on their netbanking as well. Shame on them, the bank that caused me the most inconvenience to date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae0b66a51a674fb0bf50304d09d17caa
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{"chroma:document": "I was lied to when I asked about when funds would be available if I deposited yesterday. I was told the funds would be available \"tomorrow if deposited today\". That was yesterday, 11/13. Today I am told the funds will not be released until 11/22. I could have cashed the check 1 block away and deposited cash if informed of the slightest chance of a hold. Now I am facing cancellation of my auto insurance, loss of utilities, nothing for any expenditures of any kind. Interest on title loan ($250 approx. 11/28). I could have gone 1 block to Wells Fargo cashed the check and deposited it into the bank if I wasn't lied to. The title loan was to cover expenses while refinance/debt consolidation is finished. I was told by the Bank Manager that all the teller is allowed to tell me is what is on her screen...I would have had more information from the ATM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7ccae0bfca44593a3ddfc0b1617eba9
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{"chroma:document": "I opened a checking account and deposited funds into it. A few days later I'm told my account was going to be closed and a check for the funds would be mailed to me. It's been two weeks since the checks was supposed to be mailed and I still have not received it. I called Bank of America and they tell me it was never mailed but transfered to another department for processing and they have no idea when I will get it. This bank is terrible, its associates have no idea what they're talking about, they lie to, give you the runaround. This is the worst experience I've ever had with a bank! I know bank of America isn't hurting for money to the point where they have to steal mine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1d0556564cb404a8bdf9d4a4944d145
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{"chroma:document": "Bank of America used to be great 'til they started hitting people with maintenance fees of 12 which to me is ridiculous and it's not right at all. How do they expect some to have a certain amount of money in there if they keep taking out 12 in maintenance fees. This is why they stink and I surely will be taking my business elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18aff177d3364f9a93b20c461866d5d0
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{"chroma:document": "Updated on 12/05/2019: So I opened an account back in September. My husband and I were mailed debit cards he got his pin number I didn't. So I had to call customer service and request one because you apparently don't get to pick your own pin number... They said it would take 7-10 business days to get a pin number so with that being said my account was absolutely useless beings I couldn't even activate my card without a pin number so the account sat idle for a while. I finally get the pin number in the mail and I set up my mobile banking app and set up my direct deposit and I also got an insurance check in the mail for 1700 bucks. So instead of getting the check cashed at a bank I deposited it through the mobile app. Within 5 minutes of me depositing that check though the app my account was frozen and closed due to a security issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b439a2a3e24f4d6dbe7537b8792412b7
encoding: FLOAT32
metadata:
{"chroma:document": "This bank places completely unnecessary holds on financial transfers just so they can make money off the float. This is not only consumer unfriendly but also a total scam. I needed some funds transferred after many similar transactions over a 25 year period, and they placed a ridiculous 9 day hold on those funds so they could profit from what they would earn by holding the amount. Bank of America should be ashamed of its terrible practices under the fake umbrella of risk management."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f71b95b1a38c41c280041571792ebc78
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{"chroma:document": "Bank of America and these RIDICULOUS policies are the problem. I deposited a money order on 11/05/2019 which was dated 10/31/2019 and it has already matured and it's verifiable. Why are the funds being held until 11/15/2019? Now, my account is in the negative because Bank of America has charged me monthly maintenance fees but are holding my money. As soon as this situation is cleared up I am DONE with Bank of America!!! Account Closed as of November 15th!!! Very Disgruntled"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcc89762ad7f4057a81797e7ed1caaa3
encoding: FLOAT32
metadata:
{"chroma:document": "I would give a zero but cant or any negative numbers. I made 3 deposits for a total of 1500 dollars. Checked my account, the bank took the 1500 and said I can't deposit my wifes or 2 yo sons ssdi check in my account. Problem is I've been depositing these checks for the last 4 years the same either ATM or Mobile banking. Never ever ever an issue until today Nov 5 2019. They wont give me my money back nor will they give me the original check. They tell me to have a new check issued. Problem is You cant re issue a Government check that has been cashed. They are thieves and have stole money from me and now I am overdrawn by 600.00. Dont ever bank there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 701fe82ddd044152955f3f33e5a1518c
encoding: FLOAT32
metadata:
{"chroma:document": "Recently I had to wait one year to get a refund on a check fraud for a stolen check on my account and I had to micromanage the process continually because they kept losing my information. Now I did not get a refund to my checking account for a store return and I cannot talk to a live person to figure out what went wrong.  Bells and whistles are fun for bank services but God help you if you have a problem and need to talk to a live person without a one hour long wait. 2 strikes and you are out. Goodbye Bank of America."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b94800ee21914fc18bcd3634b06c6970
encoding: FLOAT32
metadata:
{"chroma:document": "By phone they are great but in the bank specially in Kearny NJ they are absolutely disrespectful I can\u2019t go there. I was with my children so my option was to be quiet and never come back. My husband and I when we need to do something with the bank we use a customer service by phone, only use the Atm there, and never talk to them again in my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3714d778c39a4146821c5930c20f5d2b
encoding: FLOAT32
metadata:
{"chroma:document": "I am so disappointed by your customer service. I called to get a statement, they sent over the wrong one. I had to called and be one the phone for 1 hour to clear up the wrong statement they sent. The call got disconnected and the representative didn't even have the decency to call me back to finish clearing things up! Called the next day, they gave me the option to mail or fax the statements again. I asked for it to be FEDEX, the customer representative had the audacity to say they can not because it would cost Bank of America money! Bank of America sent the wrong thing. Instead of apologizing for the mistake and making things right with the customer, they care more about making money. Very very disappointment. I will be looking into switching banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4631e562afb5430d8b8e897c410a6237
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give this bank a zero rating star, I would. I pay the yearly fees for the Bank of America Alaska Airline credit card and they had a promotion to transfer balance for zero interest for 1 year and I took advantage of the promotion. However, I started getting charges for the interest anyway even though I have been paying above my monthly payment. The reason was because I have been making new purchases on my card and even though I made more on my monthly payment, the bank is still going to charge me interest anyway. WTF!! If you like to pay interest then go with Bank of America otherwise there's plenty of other banks that you could get your credit card from and pay no interest with their promotion. HORRIBLE CUSTOMER SERVICE and WILL CHARGE YOU AN ARM AND LEG for their interest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd97cfe2efcb42b7b9f5d8dff3551ab8
encoding: FLOAT32
metadata:
{"chroma:document": "Prepare to waste your time with this bank. First of all, it took forever to set up automatic payments for my Bank of America credit card. I had to set up an appointment with an advisor at the bank, go there and fill out a form to set them up. The advisor then sent the form to set up the automatic payments and it took a whole month to set them up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88dc503e3f5444e682865f97ac7a410f
encoding: FLOAT32
metadata:
{"chroma:document": "I retired in San Miguel Mexico so Bank of America closed my debit card. I paid $15 for a new card but never received it or heard from them again! So now I'm stuck in Mexico with no way to access my money! They are incompetent and don't care about people!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c0132420e324856a19e81f716ef6edd
encoding: FLOAT32
metadata:
{"chroma:document": "Over a weekend, I opened a new account online with BOA with a $300 promo special. The following Monday I go into the bank and am told that we need to open a new account and transfer the deposit and promo over. I was at the bank for 4 hours. 3 months later, I go into the branch to inquire about the $300 promo and am then told that they cannot pay and have to put in an escalation. So, I spend 3 hours in the bank as we put in an escalation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c6f8c7242f0484481a223f09eb98524
encoding: FLOAT32
metadata:
{"chroma:document": "Deposited a check for $15,000 (my sister's check) on the 15th of mo. in ATM. Found out they put a hold until 24th of month. I called to complain. I have put checks from that account in my account before. BofA suggested that she stop payment and I get cash from her bank and deposit. When she called her bank the funds had been withdrawn on the 15th, same day that I deposited. I called back to let them know that and still they said the hold would stay. Clearly a 43-year customer means absolutely nothing to B of A. They could have cared less. Time to finally cut the ties."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd91c939ee494708a145b468cb83cab4
encoding: FLOAT32
metadata:
{"chroma:document": "They force you to pay fees of $12/mo if you don't do direct deposit or have $1500 in checking. I was forced to get a BOFA account to pay off a credit card that kept rejecting my credit union. Also, they keep rejecting me for credit cards despite an excellent credit rating. One time I told this dumb woman they had on the phone I had $60,000 in investments and no income at the time and she didn't get it. Avoid them. Go with Chase or Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f977b5e3526d45d49ce2a3b05cd9228f
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America is holding a check I deposited at a Bank of America ATM for seven business days despite the fact that the payor is a known and credit worthy payor and I am a multi decade customer in good standing. I spent 25 minutes on the phone with a supervisor pleading my case because I have checks drawn against this deposit and still the bank is withholding the entire amount of the check. Apparently the law requires at least $2,000 be credited if the payor bank is a local bank which it is. Basically B of A is using scare tactic of money laundering risk as an excuse to earn extra fees by holding on to customers' funds. Another way for the bank to profit from the float on their customers' accounts and forcing customers to use overdraft or draw on HELOCs. This is so unethical. I am going to look for another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 931f227d5393492a97096f1e42c209bb
encoding: FLOAT32
metadata:
{"chroma:document": "Military Rd. Branch Niagara Falls NY. The bank manager is rude, disrespectful, and lacks the knowledge and people skills necessary to do her job. When you have to sit and refuse to leave in order to solve a problem, and only after the cops arrive it gets solved....HOUSTON WE HAVE A PROBLEM! 'Nuff said. Joseph"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68ab89d7a7c5458eb26576ae2274a899
encoding: FLOAT32
metadata:
{"chroma:document": "The \"regulatory specialist\" contacted me but I have left over six messages and no one returns my call! I am angry and frustrated that they do not follow through with their customers. There is no one place to write, as I finally decided to do, so hopefully corporate headquarters will do something!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91073ce452274cfbacd14bbdb2936a19
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been banking with Bank of America for over three years. 75% of my work over the past three years has been with a large manufacturing company that is less than a mile from my local Bank of America. I am a general contractor who works for this local company on a regular basis. Bank of America has put checks from them on hold two weeks in a row and has done this often, averaging once a month over a three-year period. They tell me It is because the checks are more than $5000. Most all of my checks that I deposit are more than $5000, so why should I bank here? There is no reason to put a hold on checks that they know from the history of my account (and the fact that it is a huge corporation) that it has plenty of money. Now is the time for me to change banks. With the high technology that we have in this world, they should know if a check is good or not and not put a check on hold for no good reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a2e97f67ae54494ab63af3ab807041c8
encoding: FLOAT32
metadata:
{"chroma:document": "I made my first late payment with BoA, which happened to be one day late. They refuse to work with me even though I've had a long history of on-time payments. Congratulations, you've lost a customer. Enjoy my $25 late fee because that will be the last you ever see from me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 055c62f0d17a4efc9bf578e7374d555f
encoding: FLOAT32
metadata:
{"chroma:document": "This is the most unprofessional, unreliable service I have ever seen. Don't count on BoA to uphold any agreement that they sign, they will inevitably ** you. And definitely don't count on their \"customer service\" being any help at all as they won't even listen to your complaint, they will simply parrot back the ** script they have in front of them while constantly interrupting you. Rude, incompetent, and a mystery how they maintain any accreditation whatsoever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5d1d755a6584f738d3304be2cbddd73
encoding: FLOAT32
metadata:
{"chroma:document": "Their customer service system sucks - Their system sucks because you have to talk to a different person every time you call and reiterate your problem over and over again. They do not understand how big of an inconvenience this is for customers like myself who have to deal with the same problem for two months. They denied my claim 3 times because they cannot figure out which claim it is categorized as and how needs to be filled out. They also deny your claim even if you have provided the information they asked for. They do not get back to you in a timely manner. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ec308e8a60c428ab9c5edd843bbb297
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to be safe. I had a small casino win (1575). The Horseshoe ask if I wanted cash or a check. I said check just in case I was robbed on the way home. I got up, went to the bank Saturday morning (inside). I spoke with the Branch Manager. \"Oh sure. We will give you 500 dollars counter credit this morning.\" I said, \"are you sure.\" \"Yes, of course\". \"The rest will probably clear on Tuesday after 5 pm. Guess what!!! I checked my account Tuesday morning -491. I have never in my life had a negative balance. I am done. So done. Liars. I ask them before I deposited this check whether or not it would clear. Is it a deposit hold on the check until 10/17. Mind you I deposited this check on Saturday October 5."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b4e743ca7c4494da1327607b404608b
encoding: FLOAT32
metadata:
{"chroma:document": "Computer upgrades are supposed to be seamless to the customer. At BOA, they seem to advocate the opposite. My current problem is the inability to schedule regular transfers -- between accounts as well as to outside parties. These have been routinely rejected over the past few weeks without explanation. Also personnel at the branch banks are NOT given the authority to help with these problems. Reaching an online associate is its own frustration costing much time as well as aggravation. I am called a Premium Platinum something, something customer but I am treated in a way my own business would never treat any customer. Perhaps BOA has grown \"too large to succeed\" to twist a phrase. In any case, I am getting very close to taking my business elsewhere after 15 years with the bank. This is only the latest installment of an ongoing saga -- structural incompetence or lack of care?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe208ca6034a4d9cb4076b3488c59630
encoding: FLOAT32
metadata:
{"chroma:document": "My wife and I have been a Bank of America customers for over forty years. We have banked at the same location in my town in the San Francisco Bay area the entire time. We will close our account as soon as we make arrangements for payroll deposits and recurring automated payments. My wife and I are recently retired from over forty years as educators in our area. We do not have complicated financial dealings and have only our credit union account as our other banking institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1779977c6db4112848b4e2499308d6f
encoding: FLOAT32
metadata:
{"chroma:document": "We were entangled in a mess whereby Bank of America enrolled us in a program at reduced payments and reduced interest rate. We paid the proper amounts due but were subsequently told that we were not enrolled in such a program and the bank charged us late fees. The original enrollment associate was supposed to have a read a disclosure stating that we would have to wait for a letter of approval. A subsequent associate informed us that the enrollment associate \"never actually did anything to move the process forward but just left the paperwork dangling, with nothing done.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d754141627cb4b07a482e93ebdb26d2f
encoding: FLOAT32
metadata:
{"chroma:document": "Our company has been in existence for 4 years now. We recently received a payment of $12,500 from our customer using Bank of America Merchant services. This was our 2nd transaction through BOA merchant. The first transaction took place earlier that week. We have never to this day had a charged back transaction from a client to this day. Bank of America held the payment HOWEVER charged us the processing fee for the payment! It's been 12 weeks and they are still holding the funds. There has been no charge backs no this payment or any other payments. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e44fbe3507c44ce9be53781ed211efe2
encoding: FLOAT32
metadata:
{"chroma:document": "Since our first month banking with this company, we have had nothing but issues with them. Fees we were never told about are being removed monthly from our account(s). We signed up for overdraft protection, that they offered, but they didn't tell us or let us sign up for the REAL overdraft protection. They only signed us up to have money removed from our savings account if our checking went over. Overdraft protection should come standard across the board as a courtesy, and you should have to opt into allowing overdrafts. The standard at this company is the opposite, their goal is to allow everyone to overdraft as quickly as possible, so the company can turn profits and take your money. They are a for profit organization that could care less about you, the customer, or your money. This is the reason you have to pay them if your account does not have enough money in it monthly. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89934562e4ac43b7bfccff957ecbf35c
encoding: FLOAT32
metadata:
{"chroma:document": "I am SO OVER this bank and its deplorable \"security\". I use that word for lack of another printable one. My husband and I have been \"preferred\" customers for years and they only thing preferred about this bank is that we receive letters advising us to cancel our existing visa due to their hacking this bank has been on the receiving end for years. You would think that a bank that has been conducting business for so many years would have a decent, or at least a 20th century security system. 10 years ago I began receiving \"scam\" mail from BOA on their letterhead that was asking for personal info. When I reported this to BOA, they never responded via mail or a personal phone call that they had received these scams. Now, today, yet another letter from them advising us of the possibility of a \"hacking.\" As of today I am done with BOA and all of their weak security and protection of their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8961a9c3793148e08df8121517096fed
encoding: FLOAT32
metadata:
{"chroma:document": "I called into the customer service line to ask some questions about a deposit I made. The first representative I spoke to did not speak very clearly and was mumbling. After I asked a few question, his only response was that he was not sure and then proceeded to ask if there was anything else he could help me with. I asked to speak to the supervisor, who from the moment they got on the phone, was extremely hostile. She was very rude and told me multiple times that my knowledge and understanding of the topic was incorrect and continuously asked me where was I getting the information. When I told her the information came from their website and banking terms & conditions, she told me I was lying and that I clearly could not read properly. This was the most unprofessional experience I have ever had at a bank and it is a shameful representation of this company. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 127dabc93cba4db0802d15ffb2346f7a
encoding: FLOAT32
metadata:
{"chroma:document": "We closed our business checking account at which time we were not notified that the business credit card would also be closed by BOA. Upon viewing the account online as that is the only way to see the balance, we noticed there were Un-Spent Cash rewards (never expired). Trying to redeem them online was futile, so I called only to be told that there is nothing they can do because the account was closed. I asked for a credit to be issued to the card - sorry no can do. So basically they have stolen a couple hundred from us using the card at their recommended partners/vendors. Once a card is closed by either BOA or the consumer the cash rewards should automatically be applied to the balance of the card or checked issued to consumer for the balance unused cash rewards. M. **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e7230f3043c4c31ae85658b27922153
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metadata:
{"chroma:document": "After over 3 decades as a Bank of America preferred client, I've gotten so disgusted that I'm closing all of my BofA accounts. Service has been on the decline for years. New rules are added that are anti-consumer. They recently put a 10 business day hold on a $20k federal gov check -- making $0 available immediately! BofA earns interest for 10 days on a check that cleared in seconds. Shameful. Bill pay sent out checks that arrived late. No accountability and lots of finger pointing. So after all these years BYE BYE BofA!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01d62af44ff8413fa7289191db2a245f
encoding: FLOAT32
metadata:
{"chroma:document": "They are worst bank! They didn't give my bonus points even after I met criteria. It was useless following up with them as they are good making EXCUSES! Go to some other bank for better Customer service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77b49ea3799b43b098d437fecc721886
encoding: FLOAT32
metadata:
{"chroma:document": "For several months my account was charged without me noticing. When I brought it up to them they said it was a mistake and would refund the money taken. Then they said they could only refund the past few charges by policy. They weren't supposed to be taking the money in the first place, and would only give some of it back because their \"policy\" apparently makes it okay to steal money if you don't notice immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c3fc03b6bac450ca69d8672d34fb76f
encoding: FLOAT32
metadata:
{"chroma:document": "This is by far the worst credit card company I\u2019ve had the bad luck of applying for. This company will stick you with fees every chance they get!!! I feel they are not a trustworthy company. I use the payment app to pay on the due date but they have this \u201ctrick\u201d where you get tagged with a late fee if it is not sent in by 10 pm on the due date. I live in central time and made my payment at 11 pm and it was considered late; Mind you it was still on time where I am at. What kind of freakin gimmick is that? Customer service sucks the worst. I literally was waiting for someone to answer my call to ask about that late payment fee and guess what...47 minutes waiting for an agent to answer and nothing!! BOA you can kiss my butt. I paid off my balance and closed this account down. This is a crappy company every which way you look at it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "So I deposited check for $4500 come to find out someone had basically stole my money via the Internet. I open up a claim with Bank of America and they denied the claim saying that I was responsible even though they originally told me that the withdrawals were coming from New Jersey then it was North Carolina. Nevertheless they were not here on the West Coast and they refused to give me my money back. This bank is ghetto and are thieves. Something needs to be done as they should not be allowed to just steal people's money like this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2056d9ce2f804805a352e157f796c99b
encoding: FLOAT32
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{"chroma:document": "Called in about an overdraft (That I had for less than 24 hours) that I tried to take care of by Zelle money from another account to my Bank of America account. I was still charged the 35 dollar overdraft fee. I called in to see what could be done since I tried to take care of the amount right away. (Keep in mind all less than 24 hours) I over-drafted by 15 dollars and charged 35 dollars overdraft fee. I was told there wasn\u2019t nothing they could do unless it was a charge that I didn\u2019t authorize. It was an OnStar Subscription trial that ended. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db91c881aea549f49fdc5e3d497f4177
encoding: FLOAT32
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{"chroma:document": "Today, September 19, 2019 I had an appointment which I made online with BoA's office at 24211 Paseo De Valencia in Laguna Hills, Ca. I arrived on time and had my appointment form with me. I was approached by ALEX who wanted to know who my appointment was with. I didn't know. He \"grilled\" me on what my business was about and stood very close to me. He was not customer service. On the contrary, he was surly, defensive, and full of his self-importance. I asked to speak with the manager. No customer training here. I asked for Alex's last name so that I could contact CUSTOMER CARE. Nope - Alex didn't feel comfortable giving me his card - this is a business that solicits customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea085b7471dc4856b4829488985115fe
encoding: FLOAT32
metadata:
{"chroma:document": "All I can say is that's too bad that B of A makes you feel like you're at the circus. They pass the ball from one to another and contradict themselves even though they're being recorded. If you like headaches then this is your bank??? I paid balance off and put my cards to sleep, not making any money on me no more..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcc6fe4838974f1297b80f069afcd8dd
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Bank of America since they took over Standard Federal/Lasalle---so 25 years or so. I had a 23% interest rate credit card from 2013 until last week. Don't remember what my credit line started at, but it's now $13,500. I carry a high balance $8,300 - but I have NEVER made a late payment. Additionally I have a checking and savings account. My checking is tied to my savings account for overdraft protection. While admittedly a little sloppy over the years, I didn't think too much about overdrawing my checking account from time to time--though it was always inadvertent. I figured that's what it was for AND BofA made $12 off of everyone of those transactions----which might happen every 2-3 months or so. Nothing major---$15 here or there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4530d6b06e234ee8825683bd00f49a7a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with BOA sine they took over Washington Mutual Bank some 20 years now. Money was sent to my account by accident using the Zelle App. The money was to go to my credit card account with another bank. The person who sent the money thought it went to the bank I requested. I contacted the person who sent the money & was told they sent it to the account I requested the money to be sent. After not seeing the money, a call was made to my credit card. I was told by the card company to contact the person who sent the money or Zelle which the person did. The person was told it was sent to my BOA account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55a5b961097e4a52a6a5cbc3c98494f8
encoding: FLOAT32
metadata:
{"chroma:document": "Dealing with Boa FRUSTRATING! Made a deposit. A hold was place on it for 11 days, the written reason was \u201cspecific reason\u201d the check may be returned. Receive stories, told \u201cspecific reason\u201d was not on receipt that I received. Have been told fraudulent and stop payment checks are processed through the Federal Reserve Bank. Really where is the fraud between company to company transaction deposited. Told to call client and tell them no more services be performed until the bank's expiration date of hold has passed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ff71c204cda4a9dbad5d85479e6425f
encoding: FLOAT32
metadata:
{"chroma:document": "Several months back my mother and I decided it was time for a Durable Power of Attorney. My mother has Alzheimer's and she is in a confused state 98% of time. I live in a 1964 mobile home and mom has come here to live. It's not as nice as her homes have been. So I have spent a lot to make mom comfortable and feel secure, yet keep her safe from wandering. I am unemployed as mom needs someone with her 24/7. About 2 weeks ago BofA put a hold on mom's money accusing of not having moms best interest. I can account for almost all of the money, in the meantime our bills are all bouncing. We have little food, no gas in the car and the worst our power has been shut off in triple degree hot weather. And BofA has mom's best interest in mind....NOT!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a2bdfed75974bbd9bba5b73b7f15296
encoding: FLOAT32
metadata:
{"chroma:document": "Called from New York to try and resolve a simple issue related to my credit card. I was transferred 3 times (talked to 4 agents total). Each time, I had to wait about 5 minutes for the next agent to pick up, reconfirm all of my information, and re-explain the issue. The first three agents were polite but unhelpful/not qualified to help. The last agent was rude in addition to being unhelpful. I hanged up after 45 minutes on the phone, with my issue still unresolved. Will go to an actual BofA location to speak to someone face-to-face. What a lost of time... This is as bad as customer service gets."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2dbec7b927c846528e284c66e84d5890
encoding: FLOAT32
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{"chroma:document": "I opened a checking and savings account online with BOA. Got immediately approved, set up my account, downloaded the app, and deposited money. I received my debit card in the mail and a day later received a letter stating they closed my accounts. I called and they had no real explanation as to why they closed my account. I guess they don't want any new customers. I certainly will never be one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5ae253ce869440180dc1486355db820
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with BofA for several years. My account was recently locked by Joseph ** in the Fraud Dept. He locked my account this past Monday and I have been unable to pay my property taxes which are due on Friday. I have also been unable to get cash or go into my account in order to begin moving my \"bill pays\" to another bank. I have been more than courteous in trying to resolve this both in person at my branch and with Joseph via phone. I spoke with Scorpio at the 800 number provided on my account yesterday when I tried to access my information online. Joe finally returned my call as I was speaking with Scorpio. Joe instructed me that I needed to go to my branch when they open today which I will before he shuts my account down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9c6ba60a37e426ca6df5ec88d95d0c1
encoding: FLOAT32
metadata:
{"chroma:document": "Ok, I am away from the country. My check gets placed on a 10 day hold. They have me a $100 emergency credit until the check clears. NO the $100 gets deducted ASAP the following day and still check still on hold. Called 3 different times explaining the situation in a foreign country, a representative states, \"We did put a travel flag on your account.\" So, you know I am away in the country still do not release my funds and say there's no history of me depositing any check from my current employer. How you tend to help people when you hold their money for your benefit. I find this bank so displeasing. I do not understand how they manage to keep their clients."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62daf08681e54dda957c03db56effe88
encoding: FLOAT32
metadata:
{"chroma:document": "After waiting 10 minutes to be answered, the BOA rep was as unhelpful as possible. I deposited cash in a new account in August, and it took 3 weeks to receive an ATM card to be able to access the funds. BOA blamed it on the weather. The credit card that was applied for at the same time is still nowhere to be found, and BOA rep couldn't tell me the status... It wasn't her department."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 172233fb725349b3923ed27760fbb9b5
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a business customer for 22 years. I deposited a cashier's check for $50K for a car I sold. The person buying it and I both didn't want any problems so we went and got a cashier's check thinking it would help. BOA decided they needed to put a hold on on for 10 days. I spent 3 hours between yesterday and today trying to make some sense of why they needed to hold it. The bank employee even called the issuing bank and they said it was good and it was already cleared. My bank says they haven't heard from them and this is why they put a hold on it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e03b7d1d1e3f4533a612b6965c6d47f8
encoding: FLOAT32
metadata:
{"chroma:document": "Please do not bank with BOA. They like to rip off hard working people. Their fees are way too high. My account is currently negative and one of my auto draft payments of $7 hit my account and I was charged $35 dollars overdraft fee. Which don't make any sense because that's a high price to pay for a little amount. They said \"well you should have made sure that you had enough in your account to cover it.\" Well jeez I'm not perfect. We all make mistakes, plus I'm not rich like everyone else, and I'm not going off spending my money like there's no tomorrow. Had to make sure my bills are covered. I forgot!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68247da945d94f31beb6b644278c64e3
encoding: FLOAT32
metadata:
{"chroma:document": "I am very unhappy with BoA's approach to cash cashier's checks which are considered according to Regulation CC (Reg CC) of the Federal Reserve, cashier's checks are recognized as \"guaranteed funds\" and amounts under $5,000 are not subject to deposit hold, except in the case of new accounts which is not me. Well, BoA is clearly not following this regulation. Actually, according to this, BoA is holding funds without a reason. I think this is the end of my relationship with a bank institution that does not care about its clients....Moreover, this check is deposited in my account every month, they could not give me a reason for the hold...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e7fa92304a54bfab1175d512673a16c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Bank of America for 10 years. I have had bank charges in the past for overdraft fees and I understood why it happened. I was shocked by a bank charge of 35.00 for a cover of 1.26. I still don't understand it. I called the bank 800 number to ask why. This guy was pleasant. Told me that my account was low when a check came through. The amount was 1.26. The bank charged me for paying that. I was so upset. When I look into my account it does not show any negative transaction. It just show the charge of 35.00. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df77f9e38d80430f8d837a473cf558e9
encoding: FLOAT32
metadata:
{"chroma:document": "You will wait Looong to get a Representative and at the end, they will NOT help you. Just say, \"Sorry oh sorry, but I can not help you for that.\" They don't know that you are a human person. If you don't have an account DO NOT OPEN ONE. If you have one I think to be on the safe side just close it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8cace1c2719845938d9470f0fda2b742
encoding: FLOAT32
metadata:
{"chroma:document": "I was unable to access my account information on the mobile app or full site online. I called several times with no help. I made one last attempt to figure out what was going on as I was shocked no one returned calls or attempted in any way to contact me with any potential issues. I finally reached someone and they simply stated the Bank can close accounts anytime they wish. I used to respect Bank of America but with behavior like this I have reason to claim their unethical business behavior must be in some way based on bias. I still have received no correspondence or anything indicating account closure. This is just plan sad business practice and from such a large institution. If anyone deals with this Bank, I wish you luck. I will be taking my business to an institution that is customer friendly and will treat me with respect and equality and without prejudice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4a20dbb0ba0458b9276cd141b83ebd4
encoding: FLOAT32
metadata:
{"chroma:document": "BAS has announced they are discontinuing ShopSafe. ShopSafe is one of the true differentiators that BAC has provided. ShopSafe is absolutely the best mechanism to avoid having your credit card number hacked/stolen and then dealing with all the ensuing hassles. I can shop online, with any vendor, and virtually zero risk of having to deal with my credit card number getting exposed. Do you hate the pesky auto-renewals when you sign up for something? ShopSafe easily deals with that by limiting how much and how long charges can be made. Sure, credit cards protect you from fraud, but you have to get a new card, deal with that all the places that you use your card, sometimes the hassle of proving you didn't make the charge, hassles with auto-renew, etc. Without ShopSafe, BAC is just another credit card with nothing special about it. Big mistake BAC - someone made a bad decision."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 537aa0bb9f2e44d68f911c0694100bad
encoding: FLOAT32
metadata:
{"chroma:document": "I just recently deposited a check from my job which is a government job. When I checked my account the next day to see if it was cleared it stated that they had a hold on it for 6 days maybe 10. I called the company and spoke to Janet to see why they would hold it for so long. The check was less than 800. They said they hold checks up to 10 days. This is money I needed for medication and to feed my kids. They would not do anything for me just told me I had to wait the 10 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93eb88ebd46540ed9f79b21cfb28d70f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a BofA customer for 21 years and every month for at least 15 years I have made a single check deposit of over $10,000 into my account from one of my accounts at another bank. And now when I deposit it into the ATM, I get an automatic response that it will be put on hold for at least a week because \"check specific information indicates item may be returned\". Not once in the 15 years has it ever been returned and the banking information hasn't changed for years so why is there now a hold? When I called my other bank, the funds are already gone, but yet BofA still won't release the hold. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8c6e678e4f44ec6bec66898fdf5823b
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America offers you the CLOVER terminal to accept all credit cards, what they don't tell you is two important things: 1- The commission they charge you is not fixed, it can go up to 5.9% in certain transactions.... 2- You can't cancel the service when you want - that should be a regular option and a pure decision of the customer - they grab you until a contract you never signed, terminating before their date will cost you $500. So, if you want to pay a monthly fee of $20, a commission they modify at their own criteria and live with it forever. THIS IS YOUR BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f8c52b5caa445f9b43ddb58e3df7e64
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a BofA Alaska Air customer for 26 years. Never missed a payment, always paid the annual fee. This year, a recurring charge switched to my account that I was unaware of. It was for $36. I missed the payment and they reduced my credit from $10,000 to $500. Absolutely unbelievable. I called many times but realized that people are not treated like people, but as a number on a page. After 26 years with 0 issues, I am parting ways with Bank of America over one missed $36 payment. Save yourself some pain. If you want to be treated like a person and not a number, go to your local credit union, or anywhere else. Just don't go to Bank of America."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfebfaf16e0e45698e833d738dc13f1b
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 09/24/2019: This is an update of my review of Bank of America, dated 09/06/2019. During the weekend of 09/07-09/08/2019 I sent random emails to different departments at Bank of America. The following Monday, someone from Bank of America called to ask if I had food or medicine, when she realized that I am a senior citizen, with multiple disabilities, and a Vietnam era veteran, she became HIGHLY concerned, after I told her my situation with Bank of America, she said that she would get back with me. Surprisingly got back with me after several hours. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b88ea44c79574340a8cdfdc25a3fff03
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with BofA since 1989. Never had any issues with anything except for this, today, SHOPSAFE says \u201cAs of September 20, 2019 you won't be able to use the ShopSafe\u00ae service, including any saved virtual credit card numbers. If you have ShopSafe card numbers saved with online merchants, please update with your current credit or debit card information.\u201d Now, SHOPSAFE no longer works....(Many of us, Bank Of America card users are about to field a waive of Card Frauds again), without ShopSafe Pseudo-Card Number to circumvent this. Was this intentional to STOP protecting BofA customers? Please help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9921e631bb014443abbeeb835ceceaf6
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been a credit card customer for about 20 years. Only 3 late payments in that time. Yesterday I paid the cards off entirely and this morning Bank of America closed the accounts. When I called customer service I was transferred to a credit analyst and was told that I no longer meet their desired customer profile and that they would not accept me as a customer anymore! On further questioning they stated that since I had paid off the account they would have no interest income from it and that made me undesirable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b825c38c98ed4bc89a6513234ebb11ae
encoding: FLOAT32
metadata:
{"chroma:document": "Leaving after 20+ Years Over their customer service. I've banked with them for 20 years and they're going to lose a loyal customer over a $25 fee. They make more $ off of my $ than I do and \"there's nothing they can do\" to resolve my issue. Done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cb26f2baa1a4991bdc48bc33e83a660
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service experience from Albuquerque location. Since we are a business we often receive cashier's checks for high dollar amounts from customer's banks in customer and our business names. Both parties then sign the back of check and we deposit it. In this particular case the amount was credited and then deducted without any clarification. Upon contacting business customer service I was told since the check was made out to customer and our business name it can't be deposited, and that the check has been shredded. And I need to get a new check from customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e153e38bdfe4237a4a569211b4ba92e
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America is a joke and long overdue for going out of business. Every single time I\u2019ve called in the last 5 years as a business customer I\u2019ve had to wait no less than 30 minutes. They make mistakes often, they are unfriendly, they\u2019ve dropped my calls on several occasions, etc. This oligopoly needs to go. Yuck."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 656e3bfeb0014d7e85b05b07f741e868
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a loyal credit card customer of BofA for many years, always paying my card off monthly, fully, and on time. Recently, BofA issued me a new card. Statements on this card went to my spam box. I was never able to see one, nor could I navigate the BofA website well enough to set the card up on automatic payments. Two months of my not paying a bill that amounted to $60.00, because I never saw the bill, caused BofA to drop the card I have paid, according to their records, over $50,000 on -- and to lower the amount of credit available on the new card, the one I had not paid, to $500. Adding insult to injury, BofA caused my near perfect credit rating to drop by almost 150 points. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4eba023d7fd94799b14f82b9939c0dda
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a customer of Bank of America for 20 years. I got low rate check and didn't realized that I can't deposit to my account. Instead of 0% rate I ended up %23 in addition to transaction fees. The font was so small in comparison 0% Apr till 8/20. I called customer service and got nothing. Being a loyal customer worth nothing when it comes to Bank of America. DO NOT DEAL WITH THIS BANK. There are fraud! Diana **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87094e9ea69146889093269480b3cdf2
encoding: FLOAT32
metadata:
{"chroma:document": "In the 26+ years of doing business with Bank of America I have never bounced a check or been late on a payment and I am a Platinum level client. This should make me the ideal, responsible, trustworthy client. On August 23, 2019 I deposited a $20,000 check from Logix Bank into my business account. I had been transferring money into that same Logix account for months for business, however that was the first check I had received from the same account. I asked when the funds would be available and after checking with the manager, the teller told me the funds would be available the next day. They were not. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b36afad4dfc4df08b0d14cf8e7ebb33
encoding: FLOAT32
metadata:
{"chroma:document": "Incident Description. Hi, I am here to report fraud activities on my credit card last month from Jul 10th to Aug 11 of 2019. I had carried my credit card with me for the whole duration. During this time starting from July 12th to July 31st, I had noticed some transactions on my credit card. The card had been swiped in multiple places like Oakridge Mall, Taco bell, MCD, Starbucks all over Oakland, Santa Clara, San Jose. I couldn't disable the card online. So I had called Bank of America and had them disable card. They had disputed my charges as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 045c7217659143af8ae7658d5e4e9d10
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Bank of America for a few years now. This bank does not care about their clients, they must have too many because their customer service is ready to close your account in a blink of an eye. They are always bouncing you around, department to department, next thing you know you're on the phone for an hour, really!!!! Come on.... that sucks. Poor service. They closed my account and deleted all my reward point that I had for Spirit Airlines, just like that... Never again, and I will make sure I will pass the word about them, to friends and social media!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 428687e580344798a09a0c6894b76556
encoding: FLOAT32
metadata:
{"chroma:document": "I called Bank of America on August 27th and ask one of the reps if they could have mercy and credit the $12 transfer to cover small debit of $2 from my business checking account. The rep emphatically stated that the charge was valid. I mentioned that I was able to cure the overdraft on my own so I would appreciate the refund. The rep emphasized the charge was valid. In order to avoid any additional fees, I asked the rep to close the business savings and the additional business checking account. I expected the rep to say \u201csorry to see you go\u201d but there was no comment and the rep preceded to close the accounts. Later that evening, I noticed a debit hold on my savings account for $2,072.73. I had mentioned to the rep earlier that I was experiencing financial hardship. I discovered that Bank of America garnished my savings to satisfy a balance remaining on an auto loan as a result of a total loss."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Bank of America sucks! They doubled billed my online payment. Which caused my checking account to overdraft. I spent an hour-and-a-half on the phone trying to get this resolved. Then they told me I had to call back the next day because the charges were pending and they had to wait for them to clear. I just spent 50 minutes on the phone now that they're cleared. Now, they tell me that I have to wait three days since they were pulled from a different bank and they have to wait for them to clear with that bank. In the meantime, I'm overdrawn $4,000. And... Once they do process it three days from now, it takes another two days for the money to get back into my account. I got switched around to seven different departments. Their customer service absolutely sucks and none of them have any idea what they're doing. I have a $20,000 line of credit and I'm in the process of canceling this credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Horrible exp with BOA. First bank to do hard enquiry for credit line increase.... Don't even update customer...please check your score regularly if you own BOA accounts. Will be switching to other bank soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 145887ff67f448b0b6b1275ef543d1ad
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{"chroma:document": "When I opened BOFA account, it was promised \"next business day deposited checks availability\" and now manager saying ONLY direct deposits are safe from using by BOFA practice of regular hold for 10 days. They are holding 2nd my check in month and paralyzed my vitally important payments as bills and rent and even daily food. A week ago Mrs. Holly **, Chief Client Care Executive of BOFA sent me invitation \"to participate in discussion how to improve the BOFA \" - so I am answering now: obviously, BOFA simply needs to act according to law, and not distract the daily living needs of costumers. I promise to not deposit my checks at BOFA, I promise to close my account, but still need the have my deposited money back before to quit BOFA and to open account in any other bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been with BofA for 27 years... Their service has finally forced me to leave. I had a fraudulent charge from \u201cLife Alert\u201d with whom I never signed a contract and cancelled everything the same day. Life Alert confirmed with me that their $198 in fees would be fully refunded no problem at all. BofA started the dispute process. 1 month after everything was returned undamaged Life Alert confirmed all money would now be refunded. Yesterday, 8/23/19, BofA recharged me the $198!!! When I called to ask why I was told that their investigation found in favor of Life Alert! How is that possible... They told me they couldn\u2019t help me until Monday. I told them, \"That\u2019s fine, Monday morning I will go to my bank and close all my accounts!\" BofA stinks!!! Use Chase or Citibank or anyone else!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I applied for a loan through LendingTree. The next day I got a call from a scammer that had my bank account information and was asking for my online password to BOA. (Thanks LendingTree) I hung up on them and called BOA to tell them about it. In hopes to get ahead of anything fraudulent happening. Their response was to close my account and tell me I'm not allowed to bank there anymore. Ever. Thanks for the help BOA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "First of all, I never write reviews for anything. I'm only taking the time to write this because I have never been SO dissatisfied with a bank or any business for that matter. One of my jobs decided to pay me using a Bank of America debit card, instead of just letting me set up direct deposit. First of all, if you have ANY problems whatsoever, it is almost IMPOSSIBLE to get help. You have to go through a bunch of automatic responses over the phone before you even talk to a real person. Once you finally reach a real person, they hardly understand English and after talking to about five different people over a span of a few weeks, NOBODY COULD HELP ME."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "In 9 days I will be closing my accounts with BOA. My car insurance was due to come out, so I went to the ATM deposited 160 in case and 275 check. NEVER HAS A CHECK HAD A HOLD ON IT. Last night they put a 10 day hold on my check, then returned my car insurance payment and charged me 35.00 and I can't even pay my car insurance because of the 10 day hold. This is the last straw. I HATE BANK OF AMERICA. WORST BANK EVER!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff66fe7171ca4ed986322e85e594f067
encoding: FLOAT32
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{"chroma:document": "The worst bank. I had been using from 3 years and they keep on hold the transactions for no reason and the customer service is very rude. The response that we get when we call to customer care is so stupid. I don't recommended this bank. They kept my checks for hold for 1 week and when I asked they said this was deposit agreement and they don't say all these when we open an account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 075ab6cdc0fa4f5c8b7287f480c7988b
encoding: FLOAT32
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{"chroma:document": "It\u2019s unbelievable to me that banks rob you of your money but hey what\u2019s that in 2019? After all, with all the madness going on in the world, it makes perfect sense that banks are the very people stealing your money. So after four months of going back and forth with Bank of America, the verdict is my claim was denied after providing proof, after proof that I was in fact, scammed and what we had was a solid case of fraud. Of course, they just crossed their arms and apologized incessantly, that they \u201cunderstood\u201d my frustration. Thanks a lot Bank of America, you done it again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd98bc20565e4ef4a1ea932fc04c77c4
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{"chroma:document": "I have a joint account with Merrill Lynch and Bank of America. I received a bogus fee on my account, and called to resolve it. They said a payment of over $450 was late, so I paid it directly on the phone. Just now, reviewing that transaction from a month ago, I see that my payment of over $450 had gone through 4 days before the idiot agent processed it. So I paid $450 twice, and my balance on the account is -$450 - meaning, my Bank of America credit card *owes me* $450. They didn't tell me they cheated me out of $450, they didn't refund it, and they're not paying me interest on the loan they extorted from me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ada20cbf0cde42298d5d35a788953234
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{"chroma:document": "On July 19, 2019 I paid off my BOA auto loan that had an electronic lien in Florida. The teller did not apply the deposit correctly and it took 10 days for BOA to tell me. So I had to pay $25 and start the process over. On August 7, a BOA Supervisor Dallas and on August 8 Supervisor Daniel, assured me that the loan was cleared and the lien was removed. My wife works as a financial officer and on Aug 9, she removed a lien through the Florida ELT system. It takes from 24 to 72 hrs to remove a lien. Her lien was already process as of August 13, 2019. My lien is still in the system. This is unacceptable. I suspect BOA has not been completely honest. I've been with BOA for 23 yrs, never again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcc34dd8665d4d30814f5536391c33de
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{"chroma:document": "I opened my BOA Travel Rewards Credit Card in November of 2017. I used my card consistently for a year and paid of the balance in full in December 2018. I had not used my card since. I was receiving promotional emails to use my card, and got a notice to call customer service to update my account information. I called as instructed, and the woman came back to the phone to tell me that as of today they were closing my account, with no explanation as to why. I was dumbfounded. I had never had a late payment, and my account was in excellent standing. Closing an account hurts the age of my credit history on my credit score, and well as lowers my available credit limit which also lowers my credit score. I am extremely dissatisfied with Bank of America and will not be returning as a customer, nor will I recommend BOA to any of my family or friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 533f9fdb944e481681ba65c06b431749
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{"chroma:document": "My husband and I have been with Bank of America for many many years. For the most part we have been satisfied. However, we took a trip to the Dominican Republic last June, 2019, had everything all worked out with the resort. When we arrived, the upgrade we had agreed to pay in WRITING was $900. The resort told us it was now $2000!!! We had emails back-and-forth with the resort clearly stating it was only a $900 Upgrade! If we did not sign for the $2000, we were literally being held hostage in a foreign country with nowhere to stay or sleep. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cb24bac97a64943b8759127db5eaa4f
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{"chroma:document": "THEY PRE-APROVED MY LOAN OF 82,500 IN BOA US1 AND 136 STREET 331. Before I went to look for properties I sat in the bank for a pre-aproved letter. It was given to me without any problem. After I found the property they kept asking for papers, same papers I submitted since day first. Ready to close 6 days before closing they kept asking for minor things. At the end they told me that the loan could not be approved. I was able to buy the property cash but I'm advising everybody what banks are doing now. It is not the Bank of America. We went there because we have 2 cars financed by the same bank. Be careful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I am a new B of A savings and checking account holder. I was told that all of my deposits would provide immediate availability, the chief reason why I started banking with B of A. As usual, I make a deposit only to find out that they've placed a 15 day hold not only on my check, but checking account as well. Being the sole proprietor of a small business, this will decimate what profit I had coming while I try to keep my business afloat. I am closing my accounts with B of A immediately...and suggest hard working people not do business with such a greedy entity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I've been with BofA for 30 years now. Never had any issues with anything except long waiting lines sometimes. They often ask how they can help me and they always send a review link in my emails as to how they did and what can be improved. They don't pay much for savings accounts and their loan rates are a bit pricey, but been very happy with their customer service for all these years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01a3ae5a49a345beabb62a4f5fe35575
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{"chroma:document": "BoA representative wanted to talk to me about opening a business bank account with them. I did not see any advantages or services that were better than my current bank so I did not open an account but the representative was able to convince me to open two credit card. It has been a total nightmare. After the first month's billing cycle I tried to setup Autopay. There was no option to pay the balance in full so I called BoA for assistance. The representative informed me the reason was because their eBills need to be setup so I stayed on the phone with them for about an hour while they worked on it. I was told to try again in a few days. After a week a representative from their local branch reached out to me to follow up on my accounts. I explained that eBills was still not active and she informed me that eBills actually needed to be opened in person at the branch and that I would need to come down. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ba70172380b4c6b808e58da1672ba50
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{"chroma:document": "I had a Bank of America business account. I had deposited two checks that were written to my personal name. They refused to honor the checks because they were in my name and closed my account. There was a deposit for an IRS tax refund in someone else\u2019s name. They kept 3k of guys. This included 1k worth of fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 672fda8fdc6246aea0901db5d9a158fc
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{"chroma:document": "Today, after banking with Bank of America for over 30 years, I discovered they have a new department: The \"Know Your Customer Department\". Clearly a ridiculous name for what appears to be a department with absolutely ZERO CONCERN for its customers! Donisha was the Know Your Customer employee I had the misfortune of speaking with by phone at 800-496-9471. She claims her department sent me a letter in June giving me 30 days to verify my account information: my full name, address, phone number, and ssn. None of this information has changed in the last 13 years and it all was correct on my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72dc9fdd57164cafaefae44e32117d5c
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{"chroma:document": "I obtained a loan through Bank of America for a new truck I purchased. After purchasing the truck, I received no information about my loan from Bank of America other than an account number along with my bill three weeks after approval. On the bill there is an option to pay online. Once you create an account online, you have to wait three to five business days to receive a temporary passcode in the mail in order to finally log in to your account. First off that doesn't make any sense, why wouldn't using your account number be enough verification to login, why do you need to wait for a passcode that has to sent via U.S. mail. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "August 5, 2019. Suddenly locked out of online banking. Reset password and locked out again. Even though preferred customer with dedicated phone line on hold forever. Robot does not recognize phone passcode."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Hi, I have tried to be patient with all of the many and constant changes BOA has had in a rapidly changing world. Today, 38 minute wait to speak to customer service. This is unacceptable and disgraceful. BOA, cannot remove a charge according to the merchant. The merchant acknowledges they made a mistake. Sent us an email. 38 minutes waiting. You folks do not care about customer service. I have several hundred thousand dollars with you. I am almost done with your ** customer service and it takes quite a bit to piss me off. Thank you, Neil **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I've been a customer of BOA for 15 years and I cannot even get someone to answer the phone at the bank about a simple question that I cannot find online. The location I'm referring to is 1211 Murfreesboro Rd, Franklin, TN 37064 US, I'm not sure if they are all that way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "On June 30th 2019 i received a text asking if I made a transaction from Dish network and I replied yes since indeed I paid a remaining balance of my cable bill. The next morning while I was on vacation in Mali, I checked my account and saw that 47 transactions were made into my account originated from New Delhi (India) and right away I called Bank of America and notified them of the transactions and clearly told them that I did not made those transactions nor authorized them. I was told that a claim will be initiated but until the transactions completely post into my account the won\u2019t process which happens to process on July 5th 2019 and I contacted the bank again and told them that the transactions posted into my account and international charges were applied to my account, the customer service representative told me that it will take 10 business days for the investigation to complete. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Bank of America's 800 number is a joke. I have been holding for almost one hour by now, still have not got any answer. The reason I am calling because they do not send authentication code when I requested, so I cannot get my online account. Horrible experience!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My name is Shannon **. I am an RN and I travel a lot for work. I\u2019ve never used mobile banking. I had stopped at a branch and reviewed some transactions, seeing Beijing China had started making one small charge and one large charge periodically on my statements. Over three months they stole around 750$. This occurred after I gave my debit card information to a company called Chimp Basket, for a hair curler that I never received. I had seen the ad for it on Facebook. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "On a weekly basis I receive emails tell me my account at Bank of America has been compromised. I do not have any dealing with BOA so I know it is a scam. What I do for other bank scams, which I get my share is to forward the email to the respective institution. Since I do not want to touch the email I forward on the server unopened. Many times the email contain a appended file. Bank of America seems to be the only institution that will not accept these fraudulent email. I get a return to sender. So Bank of America never knows about scams on their system and only worry about a virus. They do not care about their customers being scammed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I had recently moved 401k money into a CMA account and was having difficulty accessing my money. I do not have an account with Bank of America but Zachary ** of the Vero Beach branch went above and beyond to find a solution to my issue without even questioning if I want to open an account with them. His concern for my issue, and his professional manner in resolving the issue were awesome and I wish I every bank I walked into had people who cared in the same way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I called Bank of America to speak to the closure department and I was told the my named has been flagged and can no longer bank with them anymore due to suspicious of fraud. The truth is I never committed any type of fraud. BOA will accuse you of something for no reason, and the your money just like that. Stay away from this bank. They're liars, thieves and they will mess up your future like what they did with me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I got a BOA card for Alaska Airlines benefits. They did not follow through with my companion fair I get annually (with a $75 annual fee) and could not seem to issue me another. I also signed up for auto-payment; however, it was not disclosed that it takes two monthly cycles for it to go into effect so I was charged a late payment fee of $25. They also find ways to charge you for cash advances through ATMs. I did not have my debit card on hand and was on my way to Las Vegas so I pulled out some cash with my BOA credit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was signed up for autopay until my balance was paid in full. I am trying to get my refunded into my bank and they have not yet done so. Telephone wait time is 15 minutes and they have been of no help. Finding how to cancel auto-pay online has been difficult and I cannot confirm it has been done. Terrible customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0766250dc5f44b9cac621f3b190f9df8
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{"chroma:document": "Since after Christmas. I've been contacting back and forth with the bank about certain fraud disputes and didn't came back to me and it was all a scam transactions from a 25.99 and another that made me to force to close my account. Cause they wouldn't believe my story if I was telling the truth on this one and I did contact the sender and was rude and read their reviews that people was also were getting ripped off from some foreign adult site in Europe and they couldn't get their refunds and they would charge the consumer on whatever's left on the card. I would've sued the bank back then for not solving it. 0 stars to negative stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Opened an account two weeks ago because I had to make a few international wire transfers. First they received my incoming transfer from my Credit Union (which could not do international transfers), and showed the funds were available. Then they wouldn't free up the money for 5 days, causing me to pay the bills using a different method. Now two weeks after opening the account I receive a letter that they are closing the account with no reason given. I called the number listed and all they would tell me is the closure is due to a \"business decision\". Went to local branch and they were told the same thing. All the person on the phone would say is that it's in the contract that either party can close the account for any reason at any time. On the back of the letter BofA even states they may report their decision to one or two of the companies listed and it could affect my credit for up to 5 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3888cab145548a3ac45cc241fe4d480
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{"chroma:document": "Bank of America claims to give Preferred Rewards customers \"Priority Service\", with a special Customer Services phone number that gives a quick response. This used to occur, but is no longer the case. This \"Priority Service\" phone line is now a joke. Priority customers are now being forced to endure long wait times. Adding insult to injury, during a long wait, I was also forced to listen to non-stop advertising on BOA's phone line! Apparently BOA thinks there is something to gain from aggravating its best customers. In any case, BOA's use of the term \"Priority Service\" is fraudulent, and should be removed from all of BOA's sales literature."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Dealt with this bank a few times. Have never had a problem or negative experience with them. They have always been very helpful. People have always been friendly and courteous. Just wish that they had a few more locations in the smaller cities."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I called to dispute a charge and to make a payment. I was refused access to everything because I don't have the card, even though I can prove who I am. I have mailed payments to Bank of America for over 10 years. I have never missed a payment since an agreement. I declined the agreement to increase my APR. My APR would remain below 7% as long as I didn't miss a payment and didn't charge anything on the card."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "On my lunch break on 7.19.19, I tried to cash a $79.99 EyeMed reimbursement check drawn on Bank of America. I don't have an account there, but the check was a Bank of America check. I stood in line for 10 mins. to even get to a teller. Once I got to the counter, she said it would be $8 to cash the $79.99 check since I wasn't a customer. I said, \"Well I've already wasted 10 minutes of my lunch standing in line. So, go ahead.\" She kept asking if I wanted to open an account there. I said, \"No, not right now. I'm on my lunch hour.\" She asked me about 3 times. Then she said, \"Okay, you still need to talk to a woman standing up over there who can verify the check.\" I said, \"This is a Bank of America check.\" She said, \"I know. But we still have to verify the check.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 803f35cd6218435499753ff7dd50e02a
encoding: FLOAT32
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{"chroma:document": "BOA has the longest waiting times for customer service ever! I'm actually waiting right now while I'm typing this up! I wait at least 20 minutes for an actual person to pick up my call. Right now it's 10:30 pm and I thought their call volume would be low at this time. The same thing happened to me at noon yesterday. They must be so understaffed! I'm so sick of it! At the actual banks to don't have more than 2 tellers. They closed down the drive thru tellers for good. I get the feeling they might be going out of business!! Stay away from this bank!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85943c0df65e40cda6e10a2f58f82db4
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{"chroma:document": "Bank of America customer service 800 number is a joke. They have an automated system that insists on hearing things incorrectly, makes you hold for usually 10-15 minutes, before connecting you to the wrong department, and then when you tell the customer service rep who comes on, they don't even treat you like a human. I explained I was at the wrong department to the woman who came on and she said 'One moment please' and then, without a single word, clicked some buttons and back onto hold I went. I don't even know where I'm being transferred next, I believe she put me into a general queue. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f793504404154e51815e5ecc7ca87642
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{"chroma:document": "I have been with BOA for 6 years now and it is truly a frustrating experience! I have only remained so long because I have a mortgage account with them which isn't at a good interest rate either! Every month they mess up my mortgage payment and I have to call customer service (who are a bunch of illiterate imbeciles!) to fix the mess they make on my mortgage and checking account! They keep taking out false charges from my checking account and it's not until that I call them that they fix it! Their system is glitchy and at this point I don't even know if the balance on my account is actually what it is because of all the messed up transactions caused by their system\u2014-they charged me falsely so many times!!! This bank is untrustworthy! They are scammers! They steal your money and then say that their system automatically made the charges! Don't bank with this fraudulent bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54a15c5cee53412caf653e4c4f588c67
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{"chroma:document": "Would not even provide me information on a lien on title for a product I purchased by cash. They are sending me on a wild goose chase to find a lien holder 3 purchasers ago, and 14 years back. Insane that when I have a bill of sale and was a cash buyer, they will not even assist a current customer (I have other accounts with them that I will be closing) assistance. Horrifying customer experience. Will never pursue an account here again - ever. And still waiting to talk to a company representative that cares...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28bb8421ba094ffaa35538b7ed783a04
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{"chroma:document": "I banked with Bank of America for about a year and never had an issue with mobile deposit until I deposited a check for $6400 that was drafted out of Bank of America. When I deposited the check on my phone it gave me verification and said funds would be available next business day as I have always expected! The next day the funds were in my account then a few hours later they were taken back and a hold was placed on the check till Friday... I called customer service and they told me they could not help me, not even a manager can release a hold on the check! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 345808be5bd349058dd2e7272bb2d1cf
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{"chroma:document": "My wife and I applied for home loan at Bank of America. After they took all the information they need to process the loan, we agreed to lock the interest rate which was somehow lower than the interest rate we got offered from other Banks. Of course, there was a significant increase in interest rate since we locked the rate. As we are getting closer to the closing date, they started to make up reasons for not give us the loan with agreed interest rate. They rather want to renegotiate the rate. What surprised me is that they hold us for about a week for the reason that \u201cour system does not work today, and we are fixing it\u201d. All the reasons they keep on telling us has nothing to do with our credit history, they just make up reasons until we are desperate with them. I don\u2019t really recommend anyone to trust and rely on BofA and their so called \u2018locked-in agreement they mail to you. Please keep yourself away from this Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68b70189401a4860afa9db4eebc930cc
encoding: FLOAT32
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{"chroma:document": "Great service. Easy to apply for loan online. Great rates & terms. BOA is very loyal to their customers! Excellent customer service too! We got both our auto loan & home mortgage through Bank of America. We have been highly satisfied customers of BOA since 2003!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ef25f931f324a2289f14c42d6b85be2
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{"chroma:document": "We have banked with Bank of America for over 20 years! That being said, the last year has been HORRIBLE! We will be closing all of our accounts and finding a bank that cares about its customers. We deposited our paycheck, a check we have deposited over 6 years! We live check to check so this was a chunk of our money... Nearly 2000 dollars. We saw the next day we had over 6 overdraft fees and they placed a hold on our paycheck, FOR NO REASON! Their response was we can do this at any time for ANY REASON. They released it but would not return fees! Over 175.00! We had recently had a baby... Hospital bills galore. This was HORRIBLE TIMING! This hurt us and they didn\u2019t care. So know that at any point they can do basically whatever they want to do with money you COUNT ON! RUN FROM THIS BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7fcd65a4c544f8abc36e21c6e1a7d00
encoding: FLOAT32
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{"chroma:document": "I Started a BOA (Bank of America) account online. It took a while for the account to process. Mostly likely because I had a joint account 4 years ago and my last name has changed since then. When I went to use the account It had reverted to the ID I used on the bank account from 4 years ago. I also was not able to access it without getting access from person who I was with the account 4 years ago phone. That person's phone and email was set up as the main phone and email on my account. I never put in that person's phone or email when I signed up for a new non-joint account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7a7b3c7d71540469730da2babe55cc6
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{"chroma:document": "I took a company check for cashing or deposit to a BOA branch. I asked for some of the money in cash and the rest deposited to my account. She gave me the cash and told me the rest of the amount would be available the next business day. The following day the money was not in my account. I was told it would be available after 8 days. To my surprise the cash I was given was also withdrawn from my account instead of the check that I gave. The entire check was on hold and Bank of America instead put me in negative amount without my consent. The customer agent lied to me. Lots of their customer service agents are very rude. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca8f6c0f1c8a406e8f1851e3837437dd
encoding: FLOAT32
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{"chroma:document": "Recently I went into a branch to deposit a check. Financial Center was pleasant and the transaction went smoothly. The next day my available balance reflected the check amount, which surprised me that it processed so quickly. I scrolled through my transactions and saw that the check had been processed according to the app. I went ahead and paid some bills using the funds that were deposited and went along with my day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58f2a8e9b61b4da7a4fe8499ad57d6bf
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{"chroma:document": "June 20, 2019 at the BOA in Hixson, TN paid off my auto loan with cash. Was told by the employee that I would receive the title in 7 days and confirmed my address. A few days later I called customer service to verify they had the correct address and make sure my old address was not on my account. They assured me it was being sent to my current residence. July 1, 2019 I called customer service to check the status. They told me it had been mailed and should be receiving it, once again confirming my address. (I have now sold my car and new owner is waiting on the title.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aaecd3246f9941bfa0b245f637a478c0
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{"chroma:document": "Difficult for international users to keep track of changing rules. Hour long wait lines on their international helpline. Illness of user not considered. Empathy less banking. Customer care does not allow one to directly speak to their associate who reviews calls on your account. Will definitely reconsider banking with them after this experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b46ca597cbe4e2fbad7b72a53f27668
encoding: FLOAT32
metadata:
{"chroma:document": "Nothing has changed with this company. No matter what name you use (Nations Bank, Bank IV, Boatmen's) still the same lack of customer service, the app works intermittently, long hold times on the customer service line, blind transfers to other departments, \"Erica\" the chat bot never has info on your account and I feel like you all just don't care. Why brag about being #2 in the industry if you can't back it up?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a64156f9e9f64ec1a10ea4f4a044d181
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{"chroma:document": "I recently changed checking accounts and changed my autopay to reflect my new account. The website is not user friendly and there is no way to see where the future payments will be deducted from. When the next payment date came around, they charged my old account again. I called them because the website was not useful. I was transferred 3 times before getting an agent that could \"help\" me. This agent explained that it was my fault that this month's payment was charged from my old account because their system had already begun processing the new payment when I made the change (about 24 days before the next payment was due)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I had account with Bank of America. It was in February I opened it. The manager was good at that time, kind, courteous and she told me she was going away to her country and Lucy was going to watch my account while she was gone to India. She should of stayed there but I was in the hospital. Had a hip replacement and while I was in the hospital for 5 days my account was hacked. How did they get my password. I could have given it to them so, I went to the bank when I got home. I went down, waited 1 hour for customer service to see me and the answer they gave me was, \"Sorry. You must have done it.\" I and they did not give me printout or anything. Gave no papers. I yelled and hollered at them to let everyone know what kind of people they have working there. I never saw such rude arrogant people in all my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c14727a6a1b947f897c579a9248753a1
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{"chroma:document": "All I needed was information on a simple funds transfer. It took over 40 minutes and still didn't get connected to right person on the phone to assist. This ridiculous and unacceptable. All associates are always busy, and got tired of listening to same music and info over and over again. You need to provide better customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Please whoever reads this do not bank with these people. They love to charge fees on your account that should not of been charged. I was charged two 35.00 NSF fees that I feel should not of been charged and when I call I always get some rude non helpful employee to get these waived. It's like the money comes out of their paychecks. I am telling all my friends and family to stay away as I will be looking to take my business elsewhere. Never been so upset before over a business in a while!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c34dfb73a6784217ac3716a544ef227c
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{"chroma:document": "Bank of America has become a customer mill. They have taken out all the drive up tellers. The average line at any branch in Florida is 30 minutes minimum. If you have a business and want to deal with a live teller, you have to put it on your calendar, not just dropping by the bank on your way anywhere. I just stood in a line, for over an hour. I decided to walk to the Wells Fargo across the street. I walked there, made a deposit, walked back and still had an additional 30-40 minute to see the teller. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f73919954fc64cb9af02579e807ff401
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{"chroma:document": "My wife and I have been a BofA customers for more than 25 years. I recently was duped into letting someone posing as a legitimate business representative get access to my computer and ultimately into my bank account under the premise that he was going to refund money to me. When I realized that money was being taken from my checking account, I shutdown my comport, called the bank fraud department and the police. BofA indicated that they would investigate and I should be able to get my money back. We went and talked with representatives at our local branch and they also indicated that our money should be returned. Today we called to check on the status of our claims and was told that BofA determined that it was our fault that the money was taken. REALLY? So, beware, BofA is really a thief too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58a0cce3ff97434db0c40a5147afc46c
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{"chroma:document": "This company takes advantage of new home buyers and charge them unfair interest rates based on their sexual preference and ethnicity. They also are dishonest in their housing and business accounts. They are never available to speak with you about home loans and require that you submit repeat paperwork on numerous occasions. They are corrupt in their business practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2910851045cb42928e5db24c1b80174f
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metadata:
{"chroma:document": "The process of opening a checking account is like trying to get a first mortgage \u2014 completely ridiculous! The hoops to jump through are absurd. It took me three trips to the bank \u2014and 4 hours of my time\u2014 to open a simple account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5650d59e3eff481097ac492a21f3a9f9
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{"chroma:document": "I hate the automated phone system. I hate the fact BOA has laid-off so many of their customer service professionals who work in the call centers and branches! Executive management cannot be that clueless to think customer have not noticed that it does NOT matter what time or day you call \u2014 there will be an offer to call you back because they are ALWAYS BUSY!!!! Never can you ever get service when you want it! Operating hours are pathetic. They have cut overnight staff for most functions and run Skeleton crews on what they\u2019ll still service 24 hrs. It\u2019s never been more clear that BOA doesn\u2019t care about lower/middle America unless they are making monies off their backs (which they still do with their overdrafts). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "When I very 1st received my debit I went to gas station to get gas and instantly it declined and said prada ller in a text message on my phone. So I check on my account and somehow they cancel my debit card, so I could not use my debit card. That was the 1st sign it was a bad bank. 2nd sign was I deposited check on June 19, 2019 and the check had already cleared in the 1st day from the person who wrote the check but it didn't clear my account and till June 28 at 9:00 a.m. the deadline of when funds can be transferred by government law."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f2916f31b71475ca19b55f796131014
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{"chroma:document": "I stopped at the Fountain Plaza branch today to order a replacement debit card. The customer service was excellent -- prompt, attentive, thorough. My time was limited and I very much appreciated the service from Lisa ** (who said she's normally at the Transit Road office) and relationship manager Jake **. They are 10 out of 10 in my book!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been paying my Visa card over the phone from my checking account for over 10 years. I called tonight and the recording said the account I'm paying from isn't owned by me. Just another reason why I DO NOT do business with Bank of America any longer!! Worse bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf5b58892f824693849121755e5346ae
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{"chroma:document": "Opening an account 4 yrs ago with BofA policy of ATM card with pic being the only form of ID needed to get funds from your account. This was done by a manager, opening the account obtaining this info. At the Camillus NY location the teller insisted it wasn't two forms. Her customer relations/bank knowledge is poor. The high qualified manager only with BofA for a year stepped in giving a possible explanation and providing proper customer relations. My disabled son's savings account was being charged a fee so we changed banks for him. The drive thru is closed in many locations also. Unfortunately for me personally it's the last straw for me. I'll be changing banks. For BofA it's no worries. I'm just the low income/disabled individual."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "After having an account with them for 19 years... My payment was due on the 7 and I paid it on the 13th. 1st time I was late with them in at least 5 years. They decreased my credit limit which in turn lowered my credit score. Thank you for being a customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45fcc957b2d743c8bec6a32302c14fe7
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{"chroma:document": "I\u2019ve been a customer with BOA for about 3 years, in March 2019 my accounts were frozen because of some legal issues. After getting my affairs in order my attorney sent BOA all necessary paperwork for the release of my account and its funds. BOA refused to release my funds. The legal department refused to speak to myself or my attorney and would only speak through customer service. BOA continued to say they either didn\u2019t receive the paperwork or needed more paperwork and once that paperwork was sent they would still wouldn\u2019t release the funds. My attorney has had to file a motion for release of my funds that they have been holding since March!!! This has to be the worst bank I\u2019ve ever banked with, very poor customer service skills outside of general banking!! I wouldn\u2019t advise anyone to bank with BOA!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d37665d210c74003a49ef4dda087985c
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{"chroma:document": "I should have never come to this bank but I got a 300$ checking promotion offer that made me look into. I have done everything asked of me - put well over the 4,000 required for the bonus into my account. I called from the day I opened the account to ensure I was following the promo correctly. Each time I called in they assured me I was. Not after I have done my part and almost a month has passed I call to check on the promotion. And they tell me they can\u2019t find it on my account, even though I have talked to at least 5 customer service reps who have confirmed they seen it on the account and before me to just allow more time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d89feba3a8b7400ebdb92ca3b8128582
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{"chroma:document": "BoA makes it very difficult to access the checking account from abroad. I opened a BoA account when I moved in 2015 for a time period of two years from Germany to the US. Now, two years later after going back to Germany, I wanted to transfer part of my checkings account balance to my German bank account. (I use only and mobile banking by the way). But as I was told by the customer service agent, I am not able to make transfers exceeding $1,000 as I don't have an American phone number/address anymore. Therefore I cannot use the Safepass feature that is required for transfers exceeding $1,000. I find that extremely annoying. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ea3efbb779e4b7a93d882559e75f0e0
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{"chroma:document": "My branch of Bank of America is located in Pembroke Pines, Florida. The tellers are really nice but usually there is only one taking care of the deposits, checks, etc. Even though they have a lot of nice ladies walking around in high heels nobody seems to care about the line. I understand that they are trying to save money, having less and less employees but I think the customer deserves the best service. Anyway the bank functions with our money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8866e102b98d4bfbb1d97a96f122dcd3
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{"chroma:document": "I received an email from BofA the first of Jan '19 informing me that the replacement credit card which I requested was in the mail to my home. I contacted BofA Customer Service right away to let them know that I did not make a request for a new credit card. He corrected me to say, 'Yes you did. You called this morning to request the new card, and it is being processed now.'"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af5fab449a894ff882550ad112610d73
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{"chroma:document": "I was looking for a new bank to open an extra bank account. The CPA I used to work for banked with BOA so I decided to give them a try. I regret that decision every day of my life now. I had so many problems with them, especially the \"young account security.\" I banked with Chase, I never had one bit of a problem with not being able to use my card for anything, just because it's not a vendor they don't recognize or location outside of my geography in the first 9 months you opened your account. This was a brand new issue. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c444f5d931b4b29b6d534f59b0369f4
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{"chroma:document": "I've been a customer for 20 plus years, and really not sure why. I was charged $280 in overdraft fees from a \"pending authorization\" that never cleared. Customer service was not very empathetic. The only thing that made my account negative was the fees they charged. For a bank that was previously sued for predatory charges they sure have not seemed to change their tune."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 812f0427b4f546f29a2c79df290177e4
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{"chroma:document": "I had a terrible experience today finding out how this bank works and how insensitive and money hungry they can be. I made a courtesy call the morning of my due payment date to let them known I was having a financial hardship, that I couldn\u2019t make the minimum payment but gave them an exact date when I could pay it, which was about a week, which would be when I got paid. I just called to make the payment and asked them if they could please remove the late fee if any due to the unfortunate circumstances that life sometimes life gives. And the kid asked me what my hardship was, if I didn\u2019t mind him asking - as if it\u2019s any of their business!!! I\u2019d understand if I called after the due date to notify them I\u2019d be late but NO I CALLED that same day! "}


created_at: 2023-11-04 20:04:30
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id: fb96503a9bc944c1a23274ea9e187513
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{"chroma:document": "Updated on 06/17/2019: Bank of America is a Racist Bank. Hi, my name is Mohammed **, and I am a client of Bank of America for a good number of years now. I just finished medical school and about to start my residency in medicine. For my move to a new state, I was supposed to receive a wire transfer that bank of America has been holding for over 10 days now. I am writing to let you know that this bank is a racist bank, especially the wire transfer department that has been holding my money for over 10 days now without releasing for lame reasons that they wouldn't tell you as if it was a military secret. From the sender's bank that informed them that they needed their middle initial, even though the sender bank did, in fact, respond with the information, BOA would still not release the funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Deposited a regular check with ATM and they held it for 10 days. Customer service is horrible and do nothing to remedy problem. If you need your money right away, they don't care. Absolutely horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 307553cf8df9456082ffecd323a769db
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{"chroma:document": "Allowed a company to charge my EXPIRED card for a fraudulent subscription after it was canceled. So I cancel all my BOA cards that I used at 5-15K per month. Have a nice day BOA. For $168.00 you lost a 25 year customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Very bad experience in Bay area & Sacramento by BofA lady Marie. Signed up and paid fees for a year. Lost $800. Even account was told it's Free. Never got $500 credit either. Lame excuses. Liars. 2nd time, when contacted Mary, she said nothing she could do. Never ever trust them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "They charge ridiculous fees for everything and if you ask why they will throw rocks at you. Never answer the phone and give you the runaround about everything. Closing my accounts with them. I paid more money in fees than I even had in any of my accounts while with them. I don't usually write reviews but they are the worse institution in the world."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have had an account with BOA and its predecessors for 38 years. Bank of America suspended my account because they said they sent a letter to my son who is on my account to update his information supposedly mandated by the Federal Government. My son never received the letter. Bank of America never contacted me. This caused 4 of my credit card payments and an insurance payment to be returned. This action by BOA has hurt my excellent credit. I will not forgive and forget."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This bank is trash!! Don\u2019t believe the lies. They are still the same POS they were years ago with charging the unnecessary fees and not telling you how they work until after the fact the. Acting like they can\u2019t help you with fake stipulations. I went back last year and have had nothing but back to back issues and no help, constantly being told different or pieces of information instead of the full detail about how things work with the fees. I spoke with Amanda a manager with customer service and she was zero help and went on about stipulations and telling me she could tell me more about fees when that\u2019s the same thing other rep told me and it was not all the information. Every time I call it\u2019s something different. I\u2019m closing my account. I HATE THIS BANK!!! Y\u2019all are liars and scheming and really out here getting people for their money. Just trash and soon y\u2019all will be in the hole just like Wells Fargo snake **. I wouldn\u2019t even give one star."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I wish I could give -1 to Bank of America and it\u2019s associates answering phone calls and branch employees! I have requested credit increase 2 times and have been declined 2 times. With excellent credit and income of 100k+!!! This is a joke! My checks are always on hold, this time it went overboard and they put hold for 12 days! Same check that comes 2 a month. People are rude! Seems like they discriminate people based on appearance! Applied for Chase bank, instantly approved for 10k in cc. Closing all my accounts with Bank of America. 10 years they used my money and couldn\u2019t increase my credit line from 500$ to 2k. Joke!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d5f2a70ba2140b79fcc7f0f156d03ef
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{"chroma:document": "I've had nothing but problems with the website & APP. I recently was forced to make my payment using their automated phone payment system. It looked like it worked. I even got emails thanking me for my payment. Then two weeks later I got a late payment collection call from them. Three hours later (mostly on hold & after getting disconnected twice) I demanded to speak with a supervisor & I think I've resolved the problem, hopefully with no late fee. We shall see. I told them to put me back on snail mail paper billing & I'll write them checks until my balance is paid off...then, it's goodbye BOA!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5173899eebf94a3e95230e201028c94a
encoding: FLOAT32
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{"chroma:document": "This all start when I checked my account in my phone app and found several debit holds on my checking account with no vendor names attached to them. I called the number on the bottom of the app for fraud in hopes of finding out what was going on. The first CSR I got said that she could not tell me why but the holds were put in place by BOA itself. She then transferred my to another CSR. An auto reply asked if I had gotten a letter and if not put my social in and wait for a person to answer. When I finally got a human we went through everything to prove I was who I said I was. But she said that she could give me any info on the account and it had been frozen due to him husband also being on the account and the freezing of the account pertained to him. My husband has not used this account in over 15 years but for some reason BOA took it upon themselves to supposedly send him a letter to update his personal information. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56a588b7aeae4e869450fbb8fdf05d90
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{"chroma:document": "When I opened a secured credit card in Bank of America Walnut Creek, California branch (North Main Street, 94596), the manager told me that in a few months, I will graduate from secured to unsecured and my credit limit will increase from $300. I was also advised to use my credit card and make purchases. I did. I also paid full credit amount on time all the time. However, after seven months, I called and requested an increase and was declined. They made my credit card unsecured but it was a joke because the limit was still $300. I tried again 10 months later and was declined again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "On a scale of 1-10, giving their customer service and client relations team a 1 would be generous. I was put on a \"brief 1-2 minute hold\" which in reality was about 15 minutes. After approximately 5 hours on the phone, I was told by a manager that there was nothing they could do for me. The worst part was the manager asked to call me back with more information. When I received the call back, he left me a 15 second voicemail asking to call him back at the 1-800 number. It took me another 20 minute call just to track him down again to hear he couldn't help me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bba691c91b1544b39a48f515275bec13
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{"chroma:document": "Somehow Bank of America processes all the EDD Cards for the United States after being one of the companies that stole billions from its citizens. As if that wasn't bad enough they still try to rob you anyway they can. I never received my EDD card so after waiting almost 3 weeks they finally told me that the card was never sent so I would have to pay $10 to get a replacement card for a card I never received in the first place. Then I used a Bank of America ATM machine to withdraw money from the card and the keypad doesn't work and the machine ate my card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Recently went into the branch to see a customer relationship manager about changing my address. However, the lady at the reception (can't remember her name) would not let me see a relationship manager unless I also wanted another credit card. This made me very frustrated - so I can't see anyone unless I open a new account now? I told her I'd like to speak to someone, and she kept insisting I go online and she'd only get someone if I wanted to open a new account, otherwise I can just go online. Very disappointed with this customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 954a16c06519406080238a9895d0a1a6
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{"chroma:document": "I never write reviews but, I'm beyond upset with Bank of America. I filed a dispute for $505. I was told I have to wait 45 days for my claim to be reviewed. I couldn't wait so I asked for a credit. They told me I couldn't since I was new member. Since they couldn't I contacted the merchant and the merchant gave me a refund. The merchant stated I would get the refund between 3-5 business days. I said ok. I contacted BOA and ask for the release of funds because the merchant gave me a refund. They said they couldn't do. I said ok. Gave up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b352c9c1023f4868a70f4942c9437733
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{"chroma:document": "I have spent the last ten years completing my bankruptcy terms. Not one missed or late payment. Credit score now ranges from 780 to 810. All sites consider excellent. Decent amount of accounts to verify. While yes I did have issues from 2008 so did they. They took government money with no shame, so why am I being denied a second chance? What is ridiculous is murderer's have spent less time in prison than people who file for BK. This bank does not care about you or anybody for that matter, they want to use your money to make them more money hand over fist. Just to be clear the credit unions are far better if you want those \"holds\" to not apply, or want a loan that same day. All these crooks want is to hold your money in float as long as they can so their money pours in without you knowing it should be yours. Run While You Can!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My husband and I had joint checking and savings accounts with BoA. Both accounts were established for several years. One day I called to verify a deposit. I was told they couldn't provide me the information as I was no longer on the account. She did tell me my husband could get that information plus she listed the other person who appeared on the account-my ex husband of years. The ex had no knowledge of these accounts nor would he have cared and he has never banked with BoA. And my husband didn't remove me and add my ex. Plus this would require signatures of which there were none."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 006219e44bdd43409fa0dc728a58dc8e
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{"chroma:document": "Despite being a customer since 1989 and a PLATINUM HONORS member, I still receive utterly disappointing Customer Experience all around. Here are recent examples all in the past week: Went into a local branch to get wire service. Was asked to wait in the lobby, where I did for almost an hour without any service. Eventually I just walked out. Called BOFA customer service, which is highly automated upfront, and after being recognized as a legitimate account holder, the systems puts me on indefinite hold, over 30 minutes, nothing...just a black hole. Called again twice, and the something happened. Clearly they have IT issues as well. Disappoint Bank of America customer in San Francisco."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I\u2019ve been with BofA for several years now. Their customer service continues to get worse. It\u2019s not just the call centers, but the local branches are trash as well. I\u2019ve had several issues with them, especially when it involves moving money from their accounts to others. I am so unimpressed with how poorly organized and run this organization is. I will be moving all of my money out from BofA in the very near future. Terrible bank. Wouldn\u2019t recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 854f4f2df1ec47d9a6de645a6ed22826
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{"chroma:document": "I deposited a check from MoneyGram, made out to me into my BOA account at their ATM. I've banked with them 25 years. They put a TEN DAY HOLD on the funds. TEN DAYS!!! When I called to complain, they took off the hold (it took 2.5 hours of talking to multiple people). Four days later? They put the hold BACK ON, without notifying me at all. Nothing had changed. The hold is supposed to come off tomorrow, the original 10 days they had initially held it for. I'm closing my account asap. This bank is a nightmare."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 186e1baec20647ffad90d35d3685af55
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{"chroma:document": "I got an ID theft and all my information was hacked thru my computer. My Bank of America credit card was charged and my phone app alerted me, then I reported to the related commercial stores such as eBay, Walmart, Amazon.. Then I was advised to contact my Bank of America. All the purchases had been in pending and some of the purchased were cancelled by either Ebay, Amazon and Paypal, but the last one purchased from Walmart wasn't and after 3 months via around 20 phone calls made by me, Bank of America investigation department failed to do their job, which was investigating the incident."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5374c9ec1ad3466eae4235a52024bc5b
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{"chroma:document": "Yesterday I called BOA to ask about refinancing my home, I said I was exploring my options. They asked for my name and the co-owner of the house. Email address and phone numbers. I am a Bank of America customer so they had all my information. After speaking with a representative, it was decided that it was not a good time to refinance and we ended the call. 15 minutes later I received a call from LifeLock that I had a credit inquiry to open a new account. I tied to call BOA many times today and was transferred all over and could not get anyone to help me. I am so disappointment with them, I have been a BOA customer since 1998. Terrible customer service trying to get this resolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 525408fa4c2d4da0910009e1c0d27201
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{"chroma:document": "When my children were of elementary age their Godfather opened them each a custodial Savings account with Bank of America. A substantial amount of money was deposited into each of these accounts. We decided that custodial savings would be the best option since the money was to help pay for college expenses or for their first vehicle after graduating High School in the event that they opted not to attend college. We received bank statements for many years until we moved. When my daughter was 17 she needed emergency cash for a vehicle since she was working and finishing her senior year of High School so we went to BoA to inquire about her getting access to the funds. A BoA representative pulled up my daughter's account informing us that my daughter was the only person that will be able to withdraw from the account but she wouldn't be able to do so until she turned 18 years old. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Agent in the past set up an automated re-payment for my credit card. Today I find out I have a late payment and am charged a late fee of $27. Call first agent. After 33 minutes, she picks up. Find out that the automated repayment only lasts for a year and the agent just happened to forget to tell me. No notifications at all btw that the automation stopped. She refers me to the dispute center. I wait 20 minutes. I learn that they can't do anything. \"Next time tell them to tell me that it's a one year automation.\" In the back I hear another agent say something along the same line to another customer. Even reading this is likely to give you some sort of disease."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This is absurd. Checks were processing, a cash deposit was made to cover the checks. BoA didn't apply the cash deposit resulting $105 in fees and a returned check item. The excuses and rambling from the customer service rep and the manager-Andrew, were completely disappointing. I have had this account since the early 80's and have not experienced such disregard or lack of empathy. I know that there is options to rectify a situation such as this! I have an account at Wells Fargo as well - guess my business will be moved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "BoA locked my cards when on a trip in the Colorado Rocky's. I had set my cards with a travel notice but BoA still locked my accounts. I spent 4 hours on the phone only to be told that I would only be able to withdraw $100 dollars and would have to wait for my new cards to arrive at my home in Texas. I was only 2 days into a planned 2-week trip. Once home, 2 days later, my cards didn't arrive for another week. I wasn't allowed to withdraw money from accounts during this time and was forced to rely on friends to feed me. Because of the short notice, I was unable to reclaim many of the reservations I had made. BoA gave me the cold shoulder when I complained and even tried to gaslight me into saying the issue was my fault. If I had to change anything about this event, I would filed a small claim against BoA for my losses."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Although I'm not a fan of banks I used to like  Bank of America because they had one of a kind virtual teller assist atms that were open until 10 pm most days . Sure they had a rather high fee but I could go in and cash a check after bank hours which was the saving grace for someone like me who is always at work during bank hours. And I know I was not alone in my appreciation of the teller assists late hours since there was often a 1 or 2 person line after 7 pm. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "After 20 years with BOA, they made a \u201cbusiness decision\u201d to close the account my wife and I had with them since the beginning. They also closed our sons\u2019 (22 and 19 years) accounts. All without any warning. The four of us were traveling 500 miles to attend a family member\u2019s college graduation. While attempting to purchase gas 3/4 of the way there, we learned that none of our debit cards worked and since it was after 9 pm on a Friday, we had to wait until Monday morning to talk with anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "It is so frustrating to try to get to a person and actually resolve an issue. The phone menu is impossible and the waiting times are absolutely insane. You really have to plan your day and plan for 30 to 45 minutes when you have to do paperwork so you can be productive while you are on hold. I absolutely hate contacting Bank of America, my blood pressure raises at least 20 points if I have to contact them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been a Bank of America for over 20 years. I deposited a check from a financial company on Tuesday around 10 AM at their ATM. Please note there were no options given or did I get a message but they waited til I finalize the deposit. Then send me a message on that receipt that the check will be on hold for 7 days. May I tell you that I have taking this loan to bury a family member. Was I told during the deposit that they will hold the check I will have canceled the deposit and take the check elsewhere. I feel that I was mislead by this bank. The check amount was less than 5 Thousand dollars. I tried reaching the bank to see if they will at least issue a partial fund. I was told no. So not only I lost the ticket that I purchased and my father body remain on hold because the bank has an hold on the account I am stuck and stressed. Horrible bank. I will close my account and family."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "So I have been waiting to receive a new BOA debit card since April 15. It is now May 7. I have received no card. The first time I reported this issue I spoke with the fraud department over the phone and they informed me that it would be five to seven days. Nine days later I called back. They told me the same thing 5 to seven days 9 days later. I went back nine business days no weekends. The guy was very nice. He said that I should have received it. He gave me a temporary card and told me five to seven days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Do not use Bank of America. BoA intentionally causes my account to be overdrawn. I can not tell you how much money over the years I have given them in $35 fees. A few years ago there was some type of lawsuit and I receive 2 checks for insufficient fund/overdraft when in fact it was BoA intentionally causing my overdraw. Recently again it seems my account is negative every week. Since February 16 I was charged $35 fees 16 times! Last year I called and they told me I can change my acct so they decline the charge if acct insufficient, and then I sat down with an account rep and he told me there is no option to opt out of overdraft protection? I told him when I called 800 # I was assured I could request all transactions be declined if funds unavailable. So that was another lie I just found out; I do not write checks so all these overdrafts are from debit card transactions. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c15e9ef6862b4dd28d67c47af5338ada
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{"chroma:document": "I thought I had lost my card so I locked it using the app. I found it so I tried to unlock it. It said call customer service because I had not updated my phone number. I gave them my new number but they refused to give me the code to unlock it saying they could not verify it was me. I went to the branch on Monday and sat there over an hour with one of their customer service reps. They stayed on hold 30 minutes but it still is not fixed. I feel like closing my account if this isn't fixed tomorrow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Tried to cash a check made out to me drawn on Bank of America and they wanted to charge me $8.00 on a $200.00 check. If this is any indication of your procedures and policies, well, what does that say to anyone considering doing business with you? Not the first horrible policy I've experienced trying to do business with this bank. Every other bank I've done this same transaction with does not charge! I hope you enjoy ripping people off! But things always work out in the end."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Been with BOA since 2003. May 2019 transferred $200 from savings to credit card by accident (on mobile app, meant to transfer to checking). There was no cancellation button. I waited a day and then transferred the negative $200 back. Was charged $10 and BOA refused to reverse the $10 charge. Cancelled all accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af5c444306b44a70b9bdea14a0c06022
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{"chroma:document": "Media branch of Bank of America encouraged me to open a new savings account for a deposit of a large check for $245K. They gave me a slip stating that $5k would be available 3 days after the deposit at 5pm and the balance would be available 7 business days after the deposit. Without notification, they rescinded the initial availability of $5k. The total amount will now not be available until 9 days after my deposit."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "Yesterday I went into Bank of America on Cattlemen and Bee Ridge in Sarasota Florida. I deposited $6000 into my account and needed to have the money sent by wire transfer to a title company which would only take about five minutes. The teller at the counter informed me that they only had one appointment for later that afternoon at 2:30 so she tries to book the appointment and then she tells me, \u201cWell now there\u2019s no appointments available.\u201d She calls another lady on the phone and tells the lady on the other end that she\u2019s having trouble booking the appointment that five minutes ago she told me I could have. She hangs up with that lady and then tells me that somebody must have booked an appointment on the app so they have no more appointments all day long to do a five minute wire transfer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b56974f3db70405ea08a7640f87fc77a
encoding: FLOAT32
metadata:
{"chroma:document": "BOA doesn't have anyone in this branch at Slaughter and William Cannon that cares about their customers. There's one lady and only one that handles the teller function. All the other people stand around and do nothing. Yes, yes I can change banks, however I am very busy. Have many accounts both business and personal and credit cards and it's easier said than done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5ca2cd41ae447409cf2c3a5c949dc2f
encoding: FLOAT32
metadata:
{"chroma:document": "I was a victim of a scam in which $1700.00 was taken from me. The experience in attempting to get my money back was probably one of the worst customer service experiences I ever had (I have just learned that I am not getting my money back); the most egregiously incompetent service wherein the people on the phone speak like robots and have no intelligence; they all failed many times to even refer me to the proper department among other incompetencies. Trying to even reach the right person is a grand nightmare. The service could not have been worse. Not surprisingly, because of this awful experience, I am closing all of my accounts with Bank of America and will be opening accounts with another bank; the worst customer service experience in my entire life. What an awful bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 120b1a4ad35040308e893009d2f4fb87
encoding: FLOAT32
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{"chroma:document": "One day I was negative so that very same day I deposited funds to my account. I went to sleep with a positive account, enough to cover a payment I knew would come out the next day. When I woke up, to my surprise I was hit with 4 overdraft fees. I called the bank immediately and after being transferred to a supervisor the best she could do was remove two of the fees because she said I would have had to make my deposit by 8 pm Eastern time (I am Mountain) for it to reflect on my account as same day. So it didn't even matter that my account was positive with available funds (ridiculous!). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd942abb08dd4f2cbe8425de7edd65b8
encoding: FLOAT32
metadata:
{"chroma:document": "They charge for almost anything that you can imagine! I was dealing with a nice rep but had to close my accounts because this task of keeping track of hidden fees, was becoming a part-time task, as repeated warnings did not pay off!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb71756c996244e4ac5a3493a52d862f
encoding: FLOAT32
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{"chroma:document": "Went to BofA to cash my payroll check as I have for the last 4 Years. Without even checking it at teller window the called the manager who asked for 2 form of ID. I gave them my drivers license and insurance card. After 5 minutes I asked them how long it was gonna take. He said 15-20 minutes. I told I couldn\u2019t wait because I was only on a break and had to get back to work. I asked for everything back and he said not until after the verification. I asked if I could have my drivers license back. He refused to give it to me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac9f01dfbe014d369bd49588d5db42e2
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{"chroma:document": "So I filed a fraud claim back in January 4th, and I\u2019m still waiting for this guys, they keep denying and reopening after I send them the documents they need, it\u2019s ridiculous that I have to go through all this, they also told me to talk to the cops and to tell them to contact the other offices outside of the country since my incident happened outside of the country. I filed a police report, sent them email in regards to the alerts, it\u2019s 1,300$ and they just won\u2019t do their job or want to pay, it seems like they are just acting like idiots because they all keep telling me different things and they point fingers to each other. Do not recommend this bank at all, never had such a bad experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42fd1b30128d413e95ea28608fe25761
encoding: FLOAT32
metadata:
{"chroma:document": "I received a Cashier's Check from a lady I sold a car to. This was a BOA check signed by one of their Mgrs. They would not cash the check, even though it was their own check, unless I had an account with them. HUH! But it\u2019s a cashier's check from BOA. She told me I should go to my own bank to cash it. Any bank that won\u2019t honor its own cashier's check, should not be dealing with the public. I will never have any dealings with BOA, ever. This is something usually found on a stable floor."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b36ac3cde871467999ac41e456e46073
encoding: FLOAT32
metadata:
{"chroma:document": "I called BoA's fraud department after noticing a $50 unauthorized charge from Google *CCI Intelli. The guy that picked up the phone mumbled throughout the entire conversation. Didn't catch his name and barely managed to understand when he asked for mine. I don't know how he managed to pull up my info because I only provided him with my first and last name, no middle name nor birth date or anything of that sort. He told me I had to call Google because they would be able to give me my money back, not BoA. \"If you can't get it from them, call us back and we'll help you then.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cba64a922164f228190c3b7fc34206d
encoding: FLOAT32
metadata:
{"chroma:document": "After today this bank has taken on step too far after spending 3 hours in the phone still no resolution the people lie and are very condescending, after being a customer since this back was Bank Atlantic. Had my identity stolen and just every few months my card being closed down for account comprising. I\u2019m starting to wonder if they are stealing the information! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67d8b60240b041d4b21cf8268934ee41
encoding: FLOAT32
metadata:
{"chroma:document": "In trying to free up credit to improve credit score, I made a large payment of more than half my credit limit to free up credit, was working on this card first. In return, they reduced my credit limit and stated this was based on review of account for late payments. I told them I was on maternity leave and would pay as soon as I got back to work. And as soon as I got back to work made payment of more than half the balance. So my baby was 3 months old when they decided this and the following week I went back to work and in less than a month made my substantial payment and then immediately after receiving the payment they reduced my limit. I am furious. Had I would have know this is how they operate, I would have paid them last."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3eaf557745ec433f988d45e71f30592b
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with BOA for over 12 years. Decided to get the Alaska Card about 3 years ago because my son was almost born and we were hoping to travel. I recently received 2 emails that said the first account was closed and my Alaska card account was lowered...And yes, I said it was emailed. 12 years and no phone call. Come to find out...they ran my credit and my 747 points were not enough to keep 2 cards open. But they couldn't call me. I called to talk with a specialist but was told they would have to rerun my credit and yada yada yada... Dear Alaska Airlines...you are a great company. Please pick a better one to represent you! Rhonda **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 604d6f42de234156943e2cda9a734a8a
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America lies and tells you everything is ok with your HELOC application... Then you go through all the work of getting the documentation and get the \"Ah-HA\" moment. They intentionally lowered the appraisal of my home over $225,000 from the Zestimate on Zillow so they could give us a HELOC below the $100,000 and not give us the introductory interest fee of 3.99% for first year. (They \"claim\" the loan to value was too low, but the Zestimate and Comps around me were so much higher than their \"appraisal\"). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54f9255e789840f88fed0091f5a81a6d
encoding: FLOAT32
metadata:
{"chroma:document": "Bad customer services all the time. If you call them you have to wait 45 minutes until they answer. Poor system, if you have fraud or dispute on your account it takes forever to be resolved. Never deal with this bank or do business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 492055d755124e67b9a528ebdf254aa2
encoding: FLOAT32
metadata:
{"chroma:document": "I have solid evidence Bank of America is cooking the books, and they deflate and inflate the balance in their favor. I have recorded conversations with customer service, screenshots, digital paper trails I have created by transferring funds from my deposit account into my purchase account right before I make the purchase and I zero back out each time. I know they inflate the balance, manipulate the posting order and deflate the balance on the posting order so they can steal money and access fees. I want to initiate a class action lawsuit and I need other current or past customers with same or similar issues. Please message me if you are interested."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4507dd6702542f0a28dd804cbac57fe
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited two Checks were were backed and cleared by the account of checks bank. Bank of America unnecessarily put holds on both paid for checks throwing my account into negative. Self made bad or negative Checking Account by this Bank. The availability of checks paid were confirmed by Bank Of America Manager in Woodbury Site and still she refused to release my money into the account. What it did not make sense is that Mrs. **, \"due to previous or past negative balance in my account\" she is unable to release my money. The problem is their intelligent decision smart deposit computer system. If you stop putting HOLDS on people's deposits that are paid they couldn't go negative in the first place. I should have listened to a friend to beware of this Bank's games. -Beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cea9d7f8f1d413e898a452d355f12f7
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America is currently taking out my payment from my checking account everyday. This has been going on since April 8th. No one can help. I cannot remove the checking account because it's the only one listed and when you try to remove it, it says you cannot remove it without giving another checking account--don't have one--they are STEALING! No one has an explanation or reason and they can't fix it. Unbelievable. Will be talking with the checking account people about removing that checking account and starting all over again. They are thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb0993da32f94682b16369581c376630
encoding: FLOAT32
metadata:
{"chroma:document": "Bank is charging my account a fee to have checks printed on my statement WITHOUT MY REQUEST OR CONSENT! I called them to ask what the fee was for and they said that it was one of the options that pops up while doing online banking and that it was already pre-selected and that I hadn't unchecked it! Sorry, but that is a sneaky way of scamming people! If they are doing the same thing to the thousands of customers, Bank of America must be collecting a good chunk of money only on this simple and stupid option! I also asked them if they could reverse the fee since I hadn't requested the service and they said that they couldn't! Trust on Bank of America is gone!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 417cebf91a1745718459bb9e65a467cc
encoding: FLOAT32
metadata:
{"chroma:document": "My husband deposited a check to perform a potential job, funds became available right away then found out it was a total scam, check bounced. It is the bank's job to do its job and flag that the check was fraudulent in the first place. They cleared the check and made the funds available. How is it our fault?? We entrust in the bank, why should we get penalized? He immediately went to the bank to file a fraud claim, did all that he was told to do. Was still waiting on the final outcome which he was told they were still working on it. Then found out BOA took money from my personal account to offset the negative account just because he was on my account even though I wasn't on his account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5731754870d745628e01fd1ac3539a04
encoding: FLOAT32
metadata:
{"chroma:document": "I initially applied for this card after using their card finder tool. It displayed here are your offers. I was instantly denied on reconsideration. Call a helpful analyst. Advised me opening a savings account with Bank of America would help. I opened it and applied again after being prompted to do so upon completion of opening my savings account. After a few days of the card being in review and confirmation of savings account being open I called back and the analyst said he didn\u2019t see the savings account being open yet but denied the application. At first this disappointed me but my husband suggested writing an email to the executive department. I doubted it would help but to humor him I did. He found an email address for Mr. Brian **. I emailed him and explained my circumstances and asked for reconsideration. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 244a5ec2f85441e6be7e88e60a520891
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with this institution for over 10yrs. When I deposit a check the funds are on hold for over 7 days, and not even 3% are available right away. Their branches are with huge lines most of the time. The ATMs don\u2019t work most of the time. Also, the staff always say \u201cI\u2019m sorry, I\u2019m sorry\u201d but no help AT ALL!!! I WOULD NOT RECOMMEND BoA to bank with!!! IF I COULD GIVE THEM 1/2 OF A STAR I WOULD!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75055eb1e3d440988ac4fdb015ab685d
encoding: FLOAT32
metadata:
{"chroma:document": "I felt like I was getting scammed. They charged me $250 from an account that was closed in 2014 and it\u2019s 2019 now. Never will I ever go to that bank or recommend that bank to anyone. They told me the charges came after the account was closed and that I couldn\u2019t do anything about or even file a claim for fraud."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b99f158eaa342bcb8b8980194e815ae
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited a $5,000 check from a business into our business checking acct. I expected the money to be in our acct the next day. The check was from a business whom my husband works closely. When I checked our acct the next morning it noted a 10 day hold. My husband called the co who sent the check and they were going to wire the money to us but checked their acct and the money had already been taken out of the acct by Bank of America. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e988f44302a04023bf8094cc8b0f3539
encoding: FLOAT32
metadata:
{"chroma:document": "I have used Bank of America for a year and half now and have not had an experience such as this until now. The merchant has cancelled the transaction DAYS ago and you are not releasing my money. Every time I call it is a different answer... Give me my money!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 936f388ad7b4442ab37cef2e32da10ef
encoding: FLOAT32
metadata:
{"chroma:document": "I have had it with BOA, I went today to cash a payroll check and as always they said swipe your card. I did and the teller said show me ID. The card shows another name (my wife's). I looked at my card and it showed my name. I asked isn't my name on that account? She said yes. SO I have a check with my name, I have a card with my name and an account with my name and she wants more ID? Why? They have gone over the top with things. If there system was not so screwed up they would not have to worry about this. What's next having to tattoo our account number on us to show them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cc2e848c7b946029ab22a383c2e5db3
encoding: FLOAT32
metadata:
{"chroma:document": "I spent an hour on the phone today (15min involved actually speaking with a BAC phone associate, and the rest of the 45min was hold time waiting to speak with a manager). Holly O'Neill, this is the epitome of poor customer service. I've been a customer with BAC in its various forms since 1995. When did BAC values change from doing the right thing for its customers,... To creating a business model where the banking services BAC provides are slanted to the convenience of BAC? HORRIBLE! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d661a59e6be431caadb51372eac40ab
encoding: FLOAT32
metadata:
{"chroma:document": "The claims department did not return my money back to my account as they have taken money out my account due to a claim I filed in 2018. This year 2019 claims department overdrawn my account saying I owe them. I do not owe BOA, BOA owe me $100 after BOA took $200 from my account. My dispute was $100 taken from my account from another party without my knowledge. BOA did not think of me as their customer. Instead BOA reverse my $100 to the other party and then BOA close the claim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5c8ca1a5fd54a70aa1033e516579a71
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metadata:
{"chroma:document": "Received some inheritance from my grandmother. Paid hospital and funeral home fees from the balance made available. Next day all the money is out of my account and the cashier\u2019s checks with MY NAME on them are frozen. It's been a week without money and I just missed my car payment. Extremely unprofessional which is surprising because usually places that do things strictly by the book don't present themselves in such a way. I have another checking at BECU and they are a much MUCH better bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73c8f4bb47fa4c238aa203b3f254ff4e
encoding: FLOAT32
metadata:
{"chroma:document": "Just tried to do a travel notice. Now BoA will not let one do it over the phone, has to be done by phone or computer. This is a great example of BoA solely wishing to become an internet bank and not have to deal with its customers. Very disappointing especially for elderly people, would appear BoA doesn't care or want them for customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d18e4e87772443aca42e24b184260101
encoding: FLOAT32
metadata:
{"chroma:document": "This is on me... I was not routinely overseeing the distribution of my mortgage payments to interest and principle. I have always paid on time and at least the amount due if not more. But now that I'm reviewing my account history...OMG...what a bunch of (A) thieves or (B) incompetents. Avoid doing business with Bank of America. Please."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3db17707987f43e8b94b38c20e8c2838
encoding: FLOAT32
metadata:
{"chroma:document": "They call me at work and my cell. Sometimes 3 or 4 calls a day... hang ups. I called and asked to have my number removed from their system but that hasn't seemed (THIS HASN'T RATHER) to work.... because I am still getting calls, calls, calls!!!! I should have started this by saying that if Bank of America was THAT GOOD, I'd be calling them. They wouldn't be calling me for my business. Tells you something about ANY company that calls you. Keep this in mind when you get a call from them or anyone else from any company. It simply means that their department heads are pushing the cold calls on people because their business is lacking in some way! Period. IF they were \"all that\", they'd be hiring more people to TAKE calls, not to make them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 078e25604e46419cb502d58de97e396f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for 15 years same account and I have had multiple accounts ranging from credit cards to savings and now a business account. I have not been more dissatisfied with their customer service until this past month. I have called on 3 occasions because of a situation with some transactions that I incurred through my account. The customer service is the most horrible it has ever been. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0ac955b279e4057a03a4e7646f11289
encoding: FLOAT32
metadata:
{"chroma:document": "My wife made the mistake of taking out a 0% CC, transferred funds from another card and proceeded to use the 0% card for purchases since there was still an open balance. She would regularly make scheduled payments to the CC. Unbeknownst to her, the 0% only applied to either a balance transfer OR purchases... but not both. Their advertising was misleading and of course, knee deep in the fine print said that the 0% applies to either or and not both. Since she never looked at the statements, high interest was racking up on the everyday purchases without her knowledge. The regular payments she made went to paying off the 0% transferred debt, not the regular purchases with high interest. Meaning you have to pay off the entire transferred debt before payments go towards the reoccurring debt. I caught onto this after over a year when I logged onto her account to pay off the debt before 0% term was over. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0f150e2586646c4af10138d92b75e57
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America has the most arrogant system I have experienced. It is not hassle free. If you do not like a hassle, avoid using this loan / banking service. I have been with Bank of America since 2013. Every time I need to use their mobile option, it is painful. I have had many mobile experiences, and the Bank of America technology; as well as, lengthy drawn out robot system lacks the desire to deliver a satisfactory customer experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 793350b8195f4e31a38e086a41d7d7a1
encoding: FLOAT32
metadata:
{"chroma:document": "My new job pays in me by using BOA small business checks. My bank is horrible too & said, \"It would take 7 days to clear but take it to BOA they'll cash it\" (like every check printed on a specific bank). I go into BOA this morning and I'm told she has to call her manager. It's a set of specific guidelines they have to follow. The manager comes, never touches the computer to pull up the accounts numbers, looks at me & says, \"I'm sorry. We're not going to be able to cash this. It doesn't fall into a specific guideline.\" I ask, \"What guidelines? It's your check,\" & it dawned on me I wasn't the right color because what she was saying didn't make sense. People of color DO NOT BANK HERE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76baca6275b2499d87a84fd83325f0dd
encoding: FLOAT32
metadata:
{"chroma:document": "Not unlike so many other people I too have had one bad experience after another but the last one took the cake. I went to make a payment on my BOA Master Card of $202.09. Because I put a comma instead of period they debited my checking account for $20,209.00 How that even happened is beyond me because the comma was after the 2. In other words, 202,09. How does that translate into $20,209."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6508abb4cd64efb991ffc0a0bad2613
encoding: FLOAT32
metadata:
{"chroma:document": "This branch is a good example of how the company views the value in face-to-face transactions from their customers. Almost non-existent from my personal experience. It's obvious they loathe having to spend money for tellers to service the great unwashed they see lining up to do deposits, cash checks, get cash, etc. Be there any day at 8:57 when they are scheduled to open @ 9:00. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f44f1d67bec4455584eedea0bb7de94e
encoding: FLOAT32
metadata:
{"chroma:document": "This card has very high-interest fees, and when you call Bank Of America for them to forgive you for a fee, that you were not aware that you were going to get, Bank of America does not work with you. And many of the representatives get extremely argumental with you. I feel like that is very unprofessional, but they must be trained to do this. I don't recommend this card at all. You're basically not a valued customer as far as fees go."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I deposited my $12K student loan in my BOA account and each time I make a withdrawal, Bank of America will repeat and repeat same transaction and debit my account multiple times and later wipe out the history of such repeated transactions while they had debited my account. In 2 months, my $12k savings was gone. Bank of America is the most fraudulent bank I know. I moved my account now to Wells Fargo, a bank I can trust."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ddd982d78a54ffe9523a06d13bf2630
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{"chroma:document": "Worst experience in personal banking. Made a deposit with my employer's check from Wells Fargo and they placed a 10 day hold telling me that they are not sure of Wells Fargo's worth. The check might bounce. This was told to me by April a customer serv rep and when I asked to speak to her supervisor she told me I was wasting everyone's time. Did speak to a Andy ** who raised his voice at me. I asked for them to release at least 1/2 of the funds to be able to pay my utilities. They told me to make arrangements with the utility companies to pay late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My son opened a checking account on March 21st and the next day he went into the bank and they informed him that they had closed his account and couldn't give him any further information, and they would mail him a check in the mail, wtf. You guys are a bank you have all the money in the world. Why do I have to wait on a check. And closing my account without explanation is downright unprofessional and bogus, this is the worse bank in the world and they need to be shut-down. You go to any other bank and you will not have any problems. This is crazy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86efab6e5ca643f6b39ec54091f45417
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{"chroma:document": "I opened a business checking account with 100. Added 5000 about a month later. No other activity. They withdrew 888,888 to according to customer service to freeze my account. I can't get an answer to why other than \"read agreement I signed when I opened account\" and they will \"mail me an explanation\". I have not received anything in the mail, and they won't give me access to my 5100. Attorney told me to wait two weeks, still don't have letter or access to funds or explanation. Their Facebook chat person told me same thing, and they don't have any information. Anybody have any advice on this? What do I do? Rob one of their branches to get my money back? This is outright theft!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "1 star is FAR TOO MANY! The employees at the Bank of America branch at 135th & State Line should be FIRED! We have been customers of this bank since 1994 and I recently encountered absolute SHOCKING treatment by the staff at this branch. I needed help with my business account due to an injury I suffered in which I dislocated both of my shoulders. I was unable to drive and was having difficulty depositing checks using the bank's smartphone app. I had called my local branch to get assistance with these deposits AND to inquire about ways to reduce our bank fees. I initially spoke to \"Sherry\"... their \"Financial Center Manager\" and she said she would have their \"Relationship Manager\" named \"Keith\" contact me to help. I'm putting these job titles in quotes for a reason. Read on, please! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36dd45eb9cf54b958e5e3229150d7110
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{"chroma:document": "So... After a 6 day back and forth with this bank I have decided to close my account and go to a bank that appreciates who keeps them in a job! Needless to say you wouldn\u2019t have a job if we as customer didn\u2019t allow these incompetent people to handle our hardwares money let me remind you!! Reviews go a long way! And you will continue to urge hard working people to not bank with this establishment! Fraud fraud fraud false advertising on the bank Website overdraft protection allowing overdrawing, etc. Do not go by what they posted as a policy on their Bank of America page! None of it is as they stated... Be very careful. This bank is a slum bank! Want to handle your money. However it\u2019s no benefits in banking with them. You better off at a credit union who offer services that actually accommodate the paying customer the reason you have a home and the bank is even open! Your better off putting your money in a shoe box people!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8cfec808a124b3c9ebf1ccd3c1624fc
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{"chroma:document": "I recently had a claim with my Bank of America credit card. I had been triple billed by a company. Placed my claim with 100% proof and verification that I was overbilled. Received a check from the company that overbilled me. Bank of America called me the day I received check and asked if I had received it and wanted to close the claim. I said not until the check cleared the bank. B of A closed the claim. The check bounced and now B of A says they can not do anything for me. Once a claim is closed it cannot be opened again. Thanks for \"screwing\" me out of $2000; for me a loyal customer of over 10 years. Horrible loyalty to their own customers. I will spend my 10-15 grand a month with another bank card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0106eca3ddb44a83aaedeb40836b7e54
encoding: FLOAT32
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{"chroma:document": "I have been a BOA credit card holder for over 15 years. I spend over a million a year on the cards and pay the balance in full every month. I have witnessed a steady decline in their customer service policies over the last 8 years. They used to get in touch with me before shutting down my card for fraud concerns, but now they make their fraud problem my problem by shutting down my card without notice. I travel extensively, and have literally had my card shut down 3 times on a trip due to BOA\u2019s fraud detection software (it stinks btw). They also hold large payments, suspending them even after they have cleared my bank, for some unknown reason, even if \u201cyou pay in cash at a BOA branch\u201d I\u2019m told. In general, BOA credit card is way too much of a hassle to use. I\u2019m going back to USAA, where they actually contact you before shutting down your card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a79300fd0e484f03b56a157951a6002b
encoding: FLOAT32
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{"chroma:document": "I have a student account for my son, he became overdrawn about $200 (4 separate charges from Royal Farms). He was overdrawn $1192. I called the bank to see if they could reduce some fees because 90% of the negative balance was from fees. I was told yes. The best they could do was around $450 but first the account had to be paid then the would refund the fees. I thought that was good. The account is paid so I called today to see about my refund and I got a song and dance about how they can\u2019t give it to me now that I paid the account in full. Only if I set up a payment arrangement they would refund those fees we spoke about. SO NOW THEY WILL NOT REFUND ANY FEES."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 062dcbd18e674a9fad1687468436b7bd
encoding: FLOAT32
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{"chroma:document": "I mailed this to Bank of America on 12/28/18. \"Re: Accounts ending in #0001 and #0002. Case: #00000000."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3fcbef902304db8a65b0bce97492c0a
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{"chroma:document": "Friday night, I attempted to use my trusty Bank of America debit card and look it\u2019s been blocked for suspicious activity, odd. I haven\u2019t used it all day nor have transactions gone through; let me give them a call to open my card back up...3 hrs later still no answer, now I\u2019m embarrassed and feel like a ** idiot, how\u2019s this for service? I can\u2019t even use my mobile app or go online to verify my card/identity/or purchases! Maybe I should try and call again...2 hrs later \u2018all reps are busy\u2019 so let me guess. For about 5 hrs nobody was available?! Just say you\u2019re ** closed!!! Allow me the consumer access to MY MONEY!!! We can deal with fraud when you're open. Bank of America are a bunch of ** crooks! Oh but they\u2019re always available to charge you $35!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13bddcb5221e42bca7050d8f44d0fcc1
encoding: FLOAT32
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{"chroma:document": "Lets just say for over a year I've had 8 different debit cards all go bad after 2-4 time use with only the chip working. As of last month they've been playing games with me. It all started when they shut off my card first without alerting me, when I asked they couldn't give me definite answer, just kept transferring me over to different departments. Ended up paying $15 for my debit card to be expedited due to the fact that I had a rental in my possession and couldn't return car without updated payment info. UPS ended up not giving me package for some BS, when I called to get it resent out. I had to repay them $15 again to then find out 3 days later the person charged me for the expedited service but didn't even send out the card. I racked up $650 dollars in car rental due to that. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7102489ffe324f548d05241790eb3455
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{"chroma:document": "Bank of America is the most non-customer friendly business (not just banks) that I\u2019ve ever dealt with. They no longer have a drive-thru window open. This is such an inconvenience for the elderly and those who are disabled and/or sick. When the weather is bad, it\u2019s even worse. When I asked a teller about this, she got an attitude with me. They also have very high rates and fees! Don\u2019t consider this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35c038989e0147d09fe541907997ffd7
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{"chroma:document": "It\u2019s hardly to believe, but YES, this is actually happened. One of the Customer Service employees, who additionally was extremely rude and unprofessional, reported pending bankruptcy on my accounts, obviously didn\u2019t understand what I am actually saying. As a result my $30,000!!! credit cards account has been closed!!! I hope they will revise it, however I was told it\u2019s up to the credit department now. Unbelievable.... I\u2019m a customer with them for 10 years now, and this badly hurt my credit only because their employee couldn\u2019t understand/speak English."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e3c47524837470f90385067096944cd
encoding: FLOAT32
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{"chroma:document": "I have banked with them for well over 15 years with either checking, credit cards and mortgage. I have NEVER been late on a payment, ever. So because some of the horrible things they do I end up leaving and getting a checking/savings with an amazing credit union. I bill pay all my bills and had set up a payment for a credit card through them. I accidentally scheduled it for the wrong day. I called to explain and because of my history hoped they could waive the late payment fee one time. Nope... Ms. Stephanie \"rude\" from Montana refused. Even though through out the past 15 years I have had some kind of account with them I have never had a late payment, she refused. I am so done with that BS and recommend you take your business to some place that actually cares about your business. Because BOA does not. At all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b023f31788d6401a9d49ed1f56d4f6ba
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{"chroma:document": "I wouldn't even give him one star but I had to do that to leave a review. I opened up a checking account at Bank of America over a year ago and never had any overdrafts or issues. Until one day a friend asked me to cash a check for them. The check was for a job written from Bank of America. I went to my branch to validate the check, and was told it was a valid account and to deposit. I did this. Within 3 days both of my accounts were closed due to a fraudulent check. The same check they verified and told me to deposit. My dad sent me money through Zelle and surprisingly it went to the Bank of America checking account. The 1 in closure. When I called the bank and told them I wanted to withdraw those funds, I was told I could deposit but not withdraw until the account was fully closed. I said I will go into the branch and close it. They said I couldn't they would do it within 14 days and send me a check. Don't ever bank with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e75f50645114b97921a56a66816b4e9
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{"chroma:document": "After calling Bank of America the system hung up on me. I called back to press 10 numbers, then had to wait 20 minutes for a call back only to be transferred to another department and wait another 10 minutes. The phone system assumed I was calling from my mobile app and wanted to send me a text but I was calling from a phone. Bank of America does not deserve any JD power award for their customer service which sucks but I will say the people are friendly. It's not their fault."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43d055feb7b847858b48c5b0cd759825
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metadata:
{"chroma:document": "Many website features do not work in Chrome, I tried to open BofA website in Safari, and their other features do not work. Still charging my account a monthly fee after the funds were added. Terrible user experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1eb55c59c8d84981b0cea35c2c07318f
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{"chroma:document": "My daughter had a banking account which is linked to mine. A week ago, BOA closed her account and we were told that she would never be able to bank with them in the future. This was a shock because we have no clue as to why. When we called customer service, we were informed that it was because someone tried to fraudulently gain access to her account. If that was the case, why then is she being punished."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I am a defense contractor working in austere environments in the Middle East, I have been doing this for ten years. Come this Nov, I fill out my travel dates every time I fly and as of today, Bank of America has shut my card off 23 times while I am deployed. This has caused missed flights, put me in dangerous predicaments and caused me undue stress. I am as of now stuck in Iraq with a card that was shut off around 0100 hours and have been on hold with them for 2.5 plus hours. NEVER EVER open an account with this company, you're nothing but number, lawsuit to follow. What is incredible is BOA was just sued last year and settled for 66 million dollars from customers being double charged and for customer complaints. I may have to call the Department of Defense to get me out of the Middle East. As of 0400 hours still no one has picked the phone up at the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88bf31b024674d13a1a47f99faf2fadf
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{"chroma:document": "In March/02/2019 I was attended for ** in Bank of America 20431 US-441, Boca Raton, FL 33498. She was a formidable person. Good to know that there are people just like her in the world. Thank you so much. Marcelo"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afaa081cb655491986421bb7e6112ea5
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{"chroma:document": "Worst experience ever, opening a checking account for a loved one who receives social security. I am their direct payee. After opening the checking account by depositing a social security check I was told to go into the bank the next day as funds would be available to withdraw. I relied on the funds being available to buy medication for my loved one, just to be told that the checking account was closed and I would have to wait 3 days to receive the money back. I waited the three days. Went into the branch where I open the account 2101 North Harbor Boulevard Fullerton California. My banker with ** and **. I was told I'd have to wait another week for funds in addition to the three days I had already waited. This was all/risk closure department at corporate office. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13f7a82e51b9463182ecd5b41f5d29c8
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{"chroma:document": "Woke up to $100+ in overdraft fees despite transferring funds to cover! They've changed their policy on how many \"Overdraft Fees\" they charge you as well as eliminated the 24 hour period to cover. Complete crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec39d293ff4f4591903662d929a692ec
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{"chroma:document": "Went Bank of America branch at Loop 12 Dallas Texas to cash a check one of their customers wrote to me. They treated me like I was there to rob them, 45 minutes. 12 mgrs 2 tellers ridiculous. \"Why dont you take this check to your bank,\" they said. Like I was bothering them. I guess they dont need the 8 dollars of revenue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a9a716ac1bb446baf5e19e65602acdd
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{"chroma:document": "They have changed some things in their systems and now they found creative ways to take our money. Stay away, most other banks are better. I've been a business customer since 2011, never had real problems until this year - a couple of months ago. First they tricked me with the expiration day of my cc proportion. What they do is putting other promotions banner on your cc payment page that looks like they are stating your expiration date, however it is a later date, so every month when you go online to pay your bill you think you have more time with 0 interest when in fact the interests are kicking in sooner."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 698b583f82344ab68998d0135d42081b
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{"chroma:document": "I have desperately been trying to contact BoA and it is getting ridiculous. A new credit card has been sent to who knows where in NYC and I currently do not reside there. There is no number I can call - only my original teller's email address, and she is not responding to any email. I have tried every number on the website and they are coming back as \u2018barred\u2019, \u2019not in service\u2019 or 'can't be reached'. I need to unlock my Debit card and I can only do so with the \u2018new\u2019 credit card details which of course, I do not have as I am back in NZ. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "In February of 2019 I bought air ticket from Iberia Airline offices in Miami, Florida for travel from New York to Rome, Italy on Bank of America credit card. I was located in the kitchen of my home in Slidell, Louisiana. The B of A charged me $16.45 cents foreign transaction fee because, they say, one of the Iberia's computers located in Spain processed the transaction. Iberia's office staff in Miami denied this saying they processed the transaction in Miami offices. My demand for refund of $16.45 was rebuffed by the B of A."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7216bcb8da345a783d8a69204265da0
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{"chroma:document": "I started banking with Bank of America and within 1 week BOA closed my account down. BOA forgets it's the customers who open up an account, and it's their money to spend however the customer chooses. I have a great credit score, never had any problems with banking until BOA. I'm disabled, so I opened an online account. I tried to wire my own money for business purposes, and BOA locked my account down. This is ** poor business practices!!! I went into the bank, and talked to a representative. That representative started asking me personal questions that weren't any of their business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfe8d37ac5b7427caa66b3a2a1031fd1
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{"chroma:document": "I received a \u2018targeted\u2019 promotion from Bank of America. This means that they already had somewhat of an idea about my eligibility for an account. I opened a 2nd tier checking account online on 3/5/19. I received an e-mail stating that my application was being processed. I contacted the application department with my confirmation number and was told I needed to answer some security questions to verify my identity. Cool, easy to do, no problem. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 327d5a4c26f547d3bf3079b21a4d5fee
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{"chroma:document": "I opened an account online which got confirmation it was approved and opened. I was given an account number and I set up my online banking. I set up direct deposit with my employer with the information given and when I went to the branch this morning to withdraw my funds, I was told the account had been closed. I wasn't given any notice nor did they try to call me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75d13d682b0041e4a2108e4de6dafef2
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{"chroma:document": "I have been with this company when they were Seafirst back. The customer service has gone downhill so badly it is unbelievable. I have over 100,000.00 in their establishment and I wanted a cashier's check for a transaction I needed completed. They wanted to charge me for the check $15.00. I asked if they would waive the fee and was denied. I am so tired of the charges for every little thing. To make matters worse the teller had all of the personality of a dial tone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 935b0b38f5704d1ba20507996bf5c90d
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{"chroma:document": "I had a credit BOA credit card, and I notice they are charging me transaction I did not made and they can\u2019t find them in their system. So I call but they said, \"Sorry we can\u2019t find them so you just have to pay anyway.\" That insane and I don\u2019t know how can help me but they are stolen money from me. So be careful with them, hope they enjoy that money they got from me with their family."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47f0d7f38cf14b398cf280720673eba8
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{"chroma:document": "I've been on hold a total of 30 minutes. The automated system is a **! I was given a secure cashier's check from Chase and BOA placed a 2 week hold on it. I've been with BOA for YEARS and they're still placing holds on my checks. I've NEVER given them a reason to believe my checks were fraudulent and I never bounced a check, yet they treat me like a ** criminal. As soon as I speak to the next available associate, I am taking my money to another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e4fadd7699a4bbfa3ac8372cd5fcd59
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{"chroma:document": "I had received a temporary card from BOA and when I went to a shopping mall around the Holidays I took funds out of my account so that I would not have to use my debit card. I ended up losing my card at the mall so I filing a police report. I tried to use the online app to block my card and was unable to by the card being a temporary card. So the Following day the whomever had my card and was trying to make Walmart purchases but the purchases declined and I received a text message asking was I authorizing those transactions from Walmart and Louis Vuitton, I texted back no and the card was blocked. I contacted BOA and filed a dispute and a temporary credit was issued. Weeks later they recouped the fund stating since they saw I had made purchases with them in the past that's why the fund was recouped. Ain't that some **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b89af63b7d9748e19bfd0315dd6e5639
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{"chroma:document": "I deposited a small amount of cash last night (3/5/19) and the ATM machine malfunctioned. I called the number provided, was bombarded with ads, only to find that there was no option to talk to the electronics claim team. Instead, I got an automated call system that took 10 minutes just to navigate through the phone maze. I have to wait 20-30 minutes to speak to anyone, just to be forwarded to the electronics claim team, and then wait another 20-30 minutes. The option to be called back later is not functioning correctly either, so I literally have to waste my minutes just listening to ads I don't care about. Absurdly ridiculous for a billion dollar bank. Seriously, bank with someone else, Bank of America isn't worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10a8e324643146ff840f10b5e4a7cb91
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{"chroma:document": "I asked them to transfer my TD and Fidelity account to Merrill Edge so I can combine my accounts. It's all screwed! Losing my stock from TD transfer and missing all critical cost information. At least they called me to explain that they are working on it. But are you seriously. It's going to take 30 days to correct all the information. Who is paying for all the potential losses during this period? Are you just not caring about your investment customers? I can move all my banking account and investment account somewhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0171bc7a771f408e813693e74c6121d0
encoding: FLOAT32
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{"chroma:document": "Bank of America customers, BEWARE. Normally I read customer reviews for products and services I use. I should have checked the reviews for Bank of America before I opened a checking account. On the Consumer Affairs website there are 475 reviews in the past year rating them with 1 star. My experience was that I have a mortgage with them. We were informed that to pay additional principal on the mortgage we are required to have a checking account with Bank of America. So we opened an account. The same day we were notified that we had an overdraft of $888,888.88. That turned out to be their code for a problem with the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43d8479b05244e45a16e74c5b09578d5
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{"chroma:document": "Have NOT been able to access the WEBSITE at all and it's been since 2-23-2019. Called them find them and they DON'T even know what's going on. This has happened before and it was over 2 weeks before the stupid site came back up. ONLY choices is: Call their phone numbers or physically go to the bank or drive thru ATM. To be on the safe side - open a separate account at a different institute, I'm glad I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c429af99d2b4bfea2bbdf4b3e314b33
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{"chroma:document": "Very unhappy with BOA. The auto pay is set up from BOA checking to BOA credit card. The first auto pay did not pay at all and charged me more than $30 interest fee. The second auto pay overpaid and caused me overdraft and charged me $25 return check fee. It is totally the auto pay issue. BOA requires me to take the responsibility and never agreed to refund the fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb67a2f31cb143c087d254ca65dad7f7
encoding: FLOAT32
metadata:
{"chroma:document": "All of a sudden I can't access my account. My password, of a thousand years, doesn't work anymore. Probably a good thing. The most annoying thing is, that there is no way to contact online banking except through phone or mail. ARE YOU KIDDING ME? ONLINE BANKING??? What kind of archaic bank system are we working with? PHONE or MAIL?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef5c747f3a11429087cab29987eed7d4
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{"chroma:document": "We have had a checking account and I a CD for nearly 15 years. Because they felt compelled to find out what my husband's profession was and he did not respond, they closed our checking account. We received a notice in the mail four days after the closure and must wait 10 days for the monies from the account even though it was from a direct deposit 5 months ago. I called to discuss and was offered an option for callback that failed. After waiting for 70 minutes a nice male answered and put me on hold for 10 minutes while he researched. He checked in with me periodically. He said he had to transfer me to another department only to transfer me to a closed department that promptly ended the call. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa3c349236d248fe95688d9d5b8fae15
encoding: FLOAT32
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{"chroma:document": "Nine days for a hold on a check for less than 5,000...seriously? This deposit was made through the mobile app. It would have been helpful if I got some notification before I completed the transaction. I have made deposits in my M&T checking account and it didnt take longer than five days. Done with Bank of America."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84ea4012fa084064b5eed7f2bfd06c4e
encoding: FLOAT32
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{"chroma:document": "Being fraudly paid by unknown user - I create my credit card on Bank of America in Edison at 2019. In several weeks, I get weird notifications from being paid on 2018. Using this credit card brings me a weird and bad experience. The credit card wrongly report my wrong payment is being paid on 2018."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92e111bc452545d4a5e6ddcb7dc71c93
encoding: FLOAT32
metadata:
{"chroma:document": "They don\u2019t have good resolving skills at all. They don\u2019t respect smaller business. They put in hold a check up to 10 days. I\u2019ve had my account for over 10 years with them. Obviously, I\u2019m going to cancel my account in this bank and open up a new one in another. I do not recommend this bank for smaller businesses."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f13392242d1347928f050b71acbce22f
encoding: FLOAT32
metadata:
{"chroma:document": "I'll start off by saying at the beginning of the year the bank did waive some fees for me that they really were not obligated to. But it appears now they're on an aggressive mission to collect back what they waived and then some. This is what the bank does, first of all forget accessing your account online or via the app. The bank tells you that information is not accurate. Well why give me access to something that you know is not accurate. How can I make informed decisions if what I see is not accurate. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 735aabc854c5464d8ad5a94d64fb5a3c
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{"chroma:document": "On 2/15/2019 at 9 am PST I have seen a few authorization codes and a fraud alert voice message on my Google Voice number claiming to be from Bank of America but I noticed the contact number they mentioned is different from actual BOA fraud protection department. I immediately called the correct number and reported about the authorization codes and voice message. The agent looked into my account and informed about a Zelle transfer of $950 to a person. I didn't recognize the transfer or person and I actually did not authorize any transfer (transfer happened at 7.56 am PST while I was sleeping). The agent put a hold on my account and filed a fraud protection claim and then asked me to go to the nearest branch and open a new account. I went to the branch and opened a new account and got the money transferred to new account. I didn't file any police complaint assuming BOA would resolve the issue with a refund."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9f91b890062499dbee6e078effc6793
encoding: FLOAT32
metadata:
{"chroma:document": "Fees, fees & more fees! Originally I was told (by customer service) that as long as I made a monthly direct deposit of $200 to my checking account, I would not be charged a fee of $12. My checking account is used for my son's child support. I receive 2 payments a month that total about or over $200 (it's not consistent). BOA charged me a monthly fee & took my CHILD support money! I called customer service explained the situation, eventually after 45 mins I got my $12 back. Then was told it needed to be $200 direct deposit. I say ok, I'm doing that. I then set up a direct deposit of $25 extra dollars from another bank account to equal $225 a month (just in case), next month comes with another $12 fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a44b3c16c6440c2b9b7be39cd13a920
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Bank of America for quite a few years, but my experience the last 3 months has made me start thinking about going to another bank. I initiated a dispute 2 months ago for a recurring charge that increased by 50% without my knowledge or authorization. For the first month they removed the charge. However for the second month the amount is still sitting on my credit card. When I call to ask the BOA rep how to remove, he said it was still being investigated. Then I asked him if closing my credit card account would stop the automated charges and he said yes. So I closed my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d66bc3152c842f8b4f3251f657fefc7
encoding: FLOAT32
metadata:
{"chroma:document": "I have used BOA for quite a few years but the last 2 months are giving me pause. In early January I transferred my balance elsewhere because my promotional rate was going to expire at the end of the month. I had been paying it down with automatic payments of $100/month drawn on my checking account for at least 6 months. The transfer went through but they still withdrew $54.10 from my checking account when I had a zero balance. Thinking that auto draft was still on I called them up, requested it turned off and that the $$ be returned to my checking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8bb7a0528a244d84abf3a90b6e2539ca
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Bank of America since 1996 and they refused to admit that they even value my business. My ex-husband in one month charged over 35,000 to my Bank of America Card. In the divorce, I got this bill and paid on it every month and on time. 1/2019 I made the final payment - woo hoo. 2/2019 I got an interest bill for $9.42. I was speechless, Bank of America has received thousands of dollars in interest from me and now they refuse to remove the $9.42 because \"I owe them this interest.\" It is not about the money, it is the principle. \"Crystal\" in West Virginia should be ashamed of her sterile tone and communication skills. I think that if you pay the bill off in full that they should not charge you any more interest. The average person thinks that when they pay the bill off that it is paid off. Don't be fooled and don't think that they value you. Again, it is not about the money it is the principle!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0f09e80cbb54767a4fea3c2c55f69d0
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America has the absolute worst customer service. Its automated system is the most frustratingly incompetent system I have ever encountered. I will be dropping this account if they ever answer the phone!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93d7dd8cfb174dc0a70eb6f5651a4274
encoding: FLOAT32
metadata:
{"chroma:document": "$300 New Checking promotion not honored. I had a promotional offer for $300 pop up for me when I was logging into my account online. I accepted the offer by clicking the link and followed the process to open a new checking account and completed the $4000 in direct deposit funding yet I only received $100. I called Bank of America and after 40 min of holding finally got a department that had to reroute me. I was finally transferred to an account manager which pretty much just called me a liar in nicer terms, telling me that my eyes had deceived me as the promotion was just for $100. I may not be the smartest person on the planet but I can assure you I know the difference between $100 and $300, thank you very much. She refused to do anything further about the matter so now I'm left with speaking about my experience with the virtual world. What happened to you Bank of America. You're seriously slipping on the client service experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 414a44ba376144e0a400be94453ddff6
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America alone is the biggest joke in the banking industry in my 45 years experience as a CPA, CFO. You can't get past the support system without some account number you may or may not have on you at the time, and when you do finally get someone, it's from another country! I don't even have anything polite to say about any branch staff! They have to offer such great deals, bonus bank accounts, credit cards when really the Discover Card is by far the best choice in the long run, don't fool yourself!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f52d3fea3a9d468b925a573cc8c1befb
encoding: FLOAT32
metadata:
{"chroma:document": "Management in this branch has no regards for customers. They are extremely slow in providing services at the teller. Any time people ask why there is just one teller agent they become defensive. It is a shame to see three or four employees chatting in an office while the line grows and elderly people have to wait for over half an hour to be attended."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0e6cdea96d148378995e42344e32489
encoding: FLOAT32
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{"chroma:document": "Bank of America's loan website is totally useless and doesn't answer half the questions you may have on your loan, yet, when you call customer service you are NEVER able to get through to an agent regardless of what day of the week or time of day you call. They are impossible to do business with. The next time I purchase any type of vehicle if they offer financing through BOA even if it's the lowest interest rate there is no way we will do business with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 751a74b8e60548c8b89822e8de4da88e
encoding: FLOAT32
metadata:
{"chroma:document": "First I went through the automated system and selected that I would like to receive a call back instead of wait in line. When the call back came, the system would not accept my input (I WAS pressing the #1 to say I was indeed on the line). I went through the process a second time, calling again and this time holding for a full 10 minutes. The woman who took my call, Marilyn in Montana, was extremely unhelpful. She told me there was nothing she could do, that I needed to come into the bank or have her send my card to a DOMESTIC address. (I am out of the country and having difficulty transferring funds). When I asked if there was anyone else I could speak to, she said \"certainly\" and transferred me right back to the beginning of the automated system, to the 10-minute wait list. I am done with BofA, this isn't my first bad experience with customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc784a04f7514fb08c716b2849a0816e
encoding: FLOAT32
metadata:
{"chroma:document": "I have two Bank of America Cards and have my house financed through them. One time I am late with a payment by 3 days and they can't drop the late fee. I've never had any problems with other credit card companies dropping a late fee the very first time you are late especially when you have been with them for so many years! Obviously they do not appreciate their good customers. I will pay this card off ASAP and close my accounts with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb13af83b31d49f4a739e85bb5e38e24
encoding: FLOAT32
metadata:
{"chroma:document": "It is hard to resolve anything when 99% of the agents have no idea what they are talking about. They just spit out whatever comes to mind. You can call 10 times and get 10 different answers to the same question. What a waste of time. Then there is the blatant defensive rudeness and denial. Definitely low class and not where you want your money or anything for that matter. CHASE has 100x better service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0449e88f1fe641869576cc7ba698363e
encoding: FLOAT32
metadata:
{"chroma:document": "After receiving an approval letter stating I was approved for an auto loan, I went to the dealer and the dealer submitted all paperwork on a Thursday, that same day the purchase request went to the underwriting team where it sat for 5 days. No one in the customer service was able to get me an answer on why it was taking so long nor have a point of contact for the supervisor of the underwriting team. This has been the longest I've been on trying to purchase a car (*going on day #6 and no answer yet). I should have gone with USAA despite their high rates, their customer service is always on point and responsible. Bank of America is the true definition of incompetence and procrastination."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15f83ceb3ee74627aba9fe8c28423c30
encoding: FLOAT32
metadata:
{"chroma:document": "I have 2 checking account and a savings account. My children have student accounts. One account was incurring fees due to some change they did made, I called in and they were able to fix it for me. Then my other checking account that was not incurring any fees, again they changed something and notified through letter that even though I have two separate direct deposited of $217 depositing every month since it wasn't a single transaction of $250 or more they would charge me. So to abide I have my payroll slip my check into 2 separate accounts to avoid fees, Now, the final straw is my savings account. Before as long as I have $100 there was no fee. Now they raised the \"daily\" min in order to avoid fees. I have enough daily things to have to worry about than to have to worry about my bank finding ways to steal my money. What a disappointment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 464d234a74bb4504b8d3386ff0bf6ef0
encoding: FLOAT32
metadata:
{"chroma:document": "I was looking for an email for pet medication and noticed an email from Bank of America, letting me know my bill was ready. Since I paid my cc balance in full on 02/01/2019, I figured it had to be a mistake and almost blew it off. No, not a mistake, they charged me a minimum interest charge on an account with a zero balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4beff4fd0b9493cbbf4acb559588989
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metadata:
{"chroma:document": "Bank of America deemed it necessary to close my credit card account that was opened three months ago. I've made every payment in the short history of that opened account. I didn't know they can review your credit without notice and close accounts as they see fit. My credit history is not great but in the high 600's as I write this. There was no contact with me prior to them pulling my credit again and then closing my account. I was blown away when I received the letter explaining my account was closed. I have never used Bank of America before and after this incident my family and I will never use them in the future. Chase is a much better bank to use. I hope this helps anyone deciding if they should apply for anything with Bank of America. What a shame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f777c94507fb4d3896c54f1627e9a132
encoding: FLOAT32
metadata:
{"chroma:document": "Customer care? More like screw the customer. I spoke to 3 representatives, and neither one was helpful. They speak to you like you\u2019re an idiot. Not once was I able to speak to a supervisor. First they charged me $35 overdraft fee for being $3 shy on my account, then 2 days later they charged me another $35 overdraft fee, even though I had the funds in my account. Tried to get an explanation, and the woman told me the mobile app is inaccurate, and I need to use online banking. I\u2019ve used their app for many years, I\u2019ve been a Bank of America customer for 12 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a705eca875c7488482e5f1a88e8e082d
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{"chroma:document": "My RV Loan is with Bank of America (had no choice) and I'm only 1 month in and I have now had to call over 5 times and have been on hold for over 30 min every time I call. All I wanted was for the auto pay to work. I had been told that they were able to get the payment, they didn't. As my due date approached they still didn't take the money so I called again and was told to make a payment online because the gal couldn't do it over the phone and she would cancel the auto pay just in case. I did that then nothing. Called back and was told it was in process. 2 days...nothing. Called again and she took payment by the phone and said she canceled the others. Take to 2 days later and they have taken 3 payments out of my account. They are the stupidest ** people and company! I'm currently on hold and am 20 min in and counting... Wish me luck!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68354a65cd6c4bbaa63b52cf0b40aa4f
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{"chroma:document": "Bank of America (BofA) sent me a promotional check to use and I have used one to pay my monthly rent. BofA emailed me that they feel that this was suspicious activity. I personally called in to verify that this check is legitimate and the agent confirmed that the hold will be released. They rejected the check later and now I am facing Late fee of $50 plus NSF fee of $25. On top of that, I was served 3 day eviction notice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc74f59cde5e447c9b0e17f6a5646698
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{"chroma:document": "I have been with Bank of America for 7-8 years and nothing has happened to me like this. I had my tax money going go into an account that was overdrawn for a while. I transferred money to my active account. What I didn't know was that they froze the overdrawn account as inactive on the same day so overnight, they transferred it back from my active account to the old account. To make a long story short. I spent money yesterday so now my main account is overdrawn. My paycheck from my job hits tomorrow into the active account that is overdrawn So my paycheck will be swallowed up. I am completely drop dead broke till weeds. I explained my dire straits and they explained what was happening but it is still unacceptable. When I explained my situation they said Sorry and asked if there was anything else they can do. I am done at this bank and I am closing my accounts. I warn anyone not to bank with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 906ad17cca874e55abfc4d0d0cfcff1b
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{"chroma:document": "Went to this branch today to deposit my loose change. I was told they do not accept any more. Loose change needs to be rolled. I asked why and when. Oh we have notices here as she shows me a 2 inch x 4 inch notice on one of the desks. Throws it in my face with a smug look and being rude. Also says it needs to be rolled again like I didn't hear her the first time. I have been with this bank for 15 years and never have been treated with such rudeness. I have seen a steady decline in Customer Service at this Branch over the last 2 years. Also all new management changes a few times. I think it is time for a change!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9614080846b45bd8a12e26553ee1288
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{"chroma:document": "After a life change and severely reduced income, my Bank of America mortgage was sold to Bayview Loan Servicing because I could not make the payments. It took 2 years, but I was successful at obtaining a modification. They serviced my loan for 2 years without incident and then my loan went back to Bank of America. It has been a nightmare ever since. Instead of reevaluating my loan payment upon receiving the loan, they waited and one day I received a letter stating my payment had increased by $800 a month due to an escrow shortage. This is partially due to both banks having paid my insurance, which I discovered myself. Bank of America was clueless. Also there was a tax increase, which amounted to under $200 a month on a yearly basis. I received as much help as Bayview could give me given my loan was closed. I have no complaints with them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 123f4356c6d64516960a485913d66220
encoding: FLOAT32
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{"chroma:document": "I am a retired person on a fixed income and about six months ago, a check that I had written to a charitable organization was stolen before reaching the recipient. The \"Pay To line\" and the signature were forged and it was cashed at a non-BOA bank. Instead of being an advocate for me in this situation and expediting a claim on my behalf, I have been waiting for 81 business. While this may not be the simplest of matters, it's also not very complicated. Every call to check on the progress has been met with excuses about how it can take up to 126 business days. If this is the best they can do to help a 30-year valued \"Gold\" customer, I feel sorry for those who do not have this status."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fcdef9acd2a4e71afd8b9efeca7b44e
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{"chroma:document": "So I opened an account on November 2018 and a few days later the bank decided to close my account. I still had (have) money on the account so they told me they will send a check to the address linked, I never received the check and after a thousands of visit to the bank the only answer I got was that I needed to prove that the check I deposit was made for me, when that check have my name printed very clearly. One thing I am sure of is that the Bank of America will not keep my money, I will do everything that is on my hands to get that money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c062f763270649a19610bb590a08bca1
encoding: FLOAT32
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{"chroma:document": "I will never, ever use Bank of America in any form or fashion again! I have tried on three occasions to have a payment withdrawn over the last three months. All three months our $800.00 has not pulled and processed. Today, I was transferred five times and on hold for over two hours and still do not have an answer to my problem. It seems there is no one that knows how to resolve my online payment issue. Tonight I finally got someone through online banking/troubleshooting (Brian from NY) and he was able to assist me within 20 minutes. I do realize that even though I was told by every representative that they were sorry for the inconvenience - they really were glad to transfer me. Not that it matters, but I am the superintendent of a large school district in Dallas area with over 3000 employees. I will gladly refer any banking institute with the exception of Bank of America to anyone in my district."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bcb2eb7c7324e928841f7b5837346f2
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{"chroma:document": "Offer of service and support. Most times on phone for a minimum of 40- 60 minutes before anyone answers and they have the don't care attitude. Nothing seems to work as stated in their brochures. Going back to visa Capital One, real credit card copy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e5c6423f41840b0851be4157a050d53
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{"chroma:document": "Months after I got probate court authorization for the release of $500 left by my deceased father I still waiting for a response. I have gone to two branches so far. They made me to open an account where they will supposedly deposit the $500. After receiving a letter that I will be contacted by the bank still waiting. But not only that: BOA is charging my account monthly charge. I will pay $75 fee and go through the hazards to the court for a small claim. Perhaps they will spend thousands to their attorney."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3b24024578b4c488a0c0b3adf3643ff
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{"chroma:document": "I have been a loyal customer of Bank of America for almost 20 years. 4 weeks ago I was asked to update my credentials by BOA. Subsequently both checking and savings account were closed together with my 2 credit cards. Trying to get a meaningful explanation was both exasperating and hopeless. What I have only been able to determine is that it was a \u201cbusiness decision\u201d."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3da1b69c98984193bc0e6820b4e93a02
encoding: FLOAT32
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{"chroma:document": "I have been a member of this bank for 11 years. In that time my account was hacked 3 times. I've most recently deposited $6000 dollars in money orders and cashier's checks that they have held for 12 days. I have complained and they told me \"Frank\" whoever he is would call me back in 24 to 72 hrs about my complaint. He was supposed to be in meetings all day. It's been a week. Money still on hold and I'm stuck out of town with no money. ACCOUNT WILL BE CLOSED when I finally get \"my\" money. Horrible business. More happened but not enough space to write."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 205f46674e8748b4a49c22919cf20efe
encoding: FLOAT32
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{"chroma:document": "I was approved for a $12,000.00 on my credit card and I was happy but I just recently check my balance online and Bank of America decided to lower my approved amount to $8,200.00 without any kind of communication to me! I called their Manager and she cannot explain to me what happened and she said I'll be getting a letter from mail to explain?! As of today Feb. 8, 2019 I haven't received any letter from Bank of America!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4af9f95384bb4ee397f922846753eff1
encoding: FLOAT32
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{"chroma:document": "I've had an account with Bank of America for over 10 years and have never overdrafted my account once. I recently had to make a payment that would put me in the red for a few hours before my direct deposit hit at midnight of the following day. They charged me a fee and would not give me a one-time courtesy and had no care in the world of retaining me as a client. I will be taking my money to another bank. Worst customer service ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0f73f65cd7241089be8f255ce03f6b1
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{"chroma:document": "If you deposit your first check from a school district in a Bank of America account they will hold it for 9 days. Any automatic bill payments that are set up will be returned because they will not acknowledge the school districts funds for 9 days. You will be charged $35 per return fee. Bank of America can get funds from local transactions cleared in less than 48 hours. Yet they continue to disservice their customers by holding their paychecks stating it takes 9 days to get checks to clear. Nothing takes 9 days to get cleared in this technology driven economy!!! It\u2019s the letter cal school district and teachers who work for them!!! Use your credit union!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55ca995c08ef46c8afeb6f25796a1a7c
encoding: FLOAT32
metadata:
{"chroma:document": "I would rate Bank of America 0, as the customer experience has been awful. After waiting over 45 minutes and consistently receiving no solution to my issues, I see no reason to conduct business with this bank. With a credit score of over 800, I am grateful to have so many other options."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8358b00da93f485e973bdf250a12092f
encoding: FLOAT32
metadata:
{"chroma:document": "Last month on 1/11 BOA texted me about a potential fraudulent charge on my CC. Per the text, I filed the fraudulent charge claim through their mobile app and a few days later the charge was removed from my account. I assumed that was the end of it. Today, the charge is back on my account. After an hour on the phone (and speaking to 4 different reps), I was told that a letter was sent out 11 days ago saying that after investigating, my claim was denied and the claim department is closed. I need to call back during regular business hours to find out why they denied the claim. The mystery letter was not available for review online, which per my settings it should."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5c35aa691784562b2ca221ad12555c0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of BoA for several years, and I had checking account and a credit card with them. My parents are visiting me from third world country for a few months every year. While they are here, they work at McDonald's and using BoA checking account for direct deposit. When they opened the account, the offer was that if in the next three months they get certain amount from direct deposits, they will receive $300 bonus. Three months later my parents go to the grocery store to buy milk and bread, and neither of their debit cards work. I was in another city planning and having a funeral for my mother in law who recently died, and I was unable to help them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 742327b010c447d5a736aa2df64b5c46
encoding: FLOAT32
metadata:
{"chroma:document": "Beware of swiping your card places where scammers can get all your information. A lot of times you would have no idea where this can happen. Well, this happened to me where the culprit withdrew $1500 from my account. Thankfully BOA blocked further transactions, when they attempted a few more times. Despite atm video camera footage that proves I wasn't at the ATM, BOA claims I authorized someone else to use my card. So now I'm down $1500. This was their excuse for me, they're going to keep using this to everyone else who are victim of fraud. I'm closing my account and advertising this to everyone via social media and local news station."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdb657a1662d4418be855847d31ae1d4
encoding: FLOAT32
metadata:
{"chroma:document": "I lost my card. For 45 minutes I tried to get connected with an associate. The automated phone system is... The worst I have ever encountered at any bank. It doesn't understand anything, and there is no option to just speak with a representative. When you do get through, the hold time was 6 to 9 minutes. Have fun! There is no chat support online, nor email support. I was genuinely shocked that customer service at a major bank in the 21st century could be this atrocious. Just switch to Charles Schwab. Or really any other bank that's not BoA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9307cdd32f014ab398400ac13e35994d
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I have been Bank of America customers for 15 years and they never fail to disappoint! This is the bank that loves to give you tons of credit and then they fee you to death, cut your available credit without notice and trick you into using their \"delayed interest\" checks just to enable them to up your fees and charges even more. We are on our last straw with them and are closing the last (of three different) accounts. I have never worked with a more sneaky, immoral, unethical bunch of people and hope to never again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ff092394fd1494aa7a946599134b8f3
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with BOA for 5 years. I recently deposited a check from the same employer. I never have had an issue with the employer's check. However, BOA decided it was a good idea to put a hold on the check for 10 days. I have several payments to make. It's been a headache dealing with this bank. All my other co-workers had no problem depositing their checks. So I know it has nothing to do with my employer. I hate that no one from the company whether over the phone or in person at the bank can help me. Just let me use my check!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 451a2e892fa0444baccd3a6fff0dab5f
encoding: FLOAT32
metadata:
{"chroma:document": "It is obviously apparent, Bank of America is intentionally trying to cut employee time costs by forcing customers to speak to their automated system and input their account details. Then based on how much profit they make off you, put you in a tier of a long or short wait. All the meanwhile, forcing you to talk on phone or chat online with a machine. And are converting longtime customers and grandfathered accounts to fee or asset generating accounts with an iron grip. Your customer service reasonableness sucks! Bring back real people customer service and treat all customers like real people, not just numbers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a212fb795384b98ad0e94c67927b5ce
encoding: FLOAT32
metadata:
{"chroma:document": "Each time I called to solve some small problems, I had to wait for a long time and was put through to several different people and my identity had to be confirmed again when I talked to each person. Even though different persons told me different stories. For so many times I tried to use my debit card or credit card from a location not where I live, they block my transaction without letting me know even for a small amount of money. I can write a long article to tell my terrible experiences of dealing with this terrible bank. I can't believe so many people, so many departments, so many kinds of services of this bank are all so so so terrible. Their people are polite but they have no clue what they are doing at all!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5dfc761aec894f4184f10fa33c4e7d73
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for a free account to park my money. This is the emergency account that I do not use. Imagine my shock to discover a mystery fee applied after 10 years that suddenly drained it! My own bank in Bellingham would not answer my calls. Customer service refused to acknowledge that even on my online account page there was no clear notification of a fee change. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62a398efec504aec8749a417d78a6815
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a BOA customer for over 9 years. Every time I call in it takes over an hour to get on the phone with a customer service rep. I called in today and waited on the line for 53 minutes until I was greeted by a representative. I let her know I was going to be withdrawing a significant amount of money and wanted to ensure I wouldn't have any problems. She assured me that my account was updated and would have no issues withdrawing funds. Unfortunately, that was not the case as my account was locked for fraud after only withdrawing a fraction of what needed to come out. This has happened more than once. I was told that the rep remarked my account, but never changed the amount that could be withdrawn on a daily basis. Incompetence at its finest! I'll be closing my account with them first thing Monday morning!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88ba0463b54243429ae69b09da80a250
encoding: FLOAT32
metadata:
{"chroma:document": "I hold three accounts at bank Bank of America, two personal accounts and one business account for our construction company. Every time we have a question or need customer support it takes half a day to get in contact with a service agent if we are lucky enough to get through the automated system. It is extremely frustrating to run a business this way. We have been customers for over 25 years hence our hesitance to change our bank, but we will go ahead and move to greener pastures where we can receive better service and speak with a live person promptly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8df120d682724e919923b0a84c33b169
encoding: FLOAT32
metadata:
{"chroma:document": "For an unknown reason Bank of America would not accept my password for my credit card so I had to change it. Then their system enrolled me in electronic reporting without my permission. When I tried to use their online chat system to stop this change their automated online chat system stated it did not work for that subject. When I telephoned their automated system it would not let me talk to a human until I lied about why I called by punching another selection. Then I was told it would be 28-42 minutes before someone would answer. I finally was able to get the online system to change back to sending paper statement, but only after a giant tap dance and over an hour of trying. Is this what they call good customer service?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be61151411724f53b50b46916d603d5e
encoding: FLOAT32
metadata:
{"chroma:document": "I chose to pay my monthly balances automatic deductions from my bank account. Every month is a different minimum due even after not using the card for over a year and more! They did not advise that the auto draft has to be renewed every year nor why every month the amount due fluctuates without additional charges on the card. I was charged late fees unaware that my auto draft wasn\u2019t valid and costing me a ton of money! I called customer service gave my approval to restore the auto draft and verified my monthly payment was plenty to cover the minimum due plus more! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e5b2562ff8c4f00abe2eff09171372f
encoding: FLOAT32
metadata:
{"chroma:document": "I have a transaction on Nov 12th, and my billing cycle closes on Nov 11th. I was surprised to see interest charged on my Dec statement for the transaction made on Nov 12th. Customer service people don't have common sense to understand simple math. They charged interest in Jan statement even though I paid in full statement balance on Jan 6th."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11a5c549f3d24c1a91a8f63c5f5577ad
encoding: FLOAT32
metadata:
{"chroma:document": "Awful Awful Awful!!! Stay away from them. Customer service seems like a non-existing thing there. You call, you get estimate \"more than 30 minutes\". The best case scenario you get a call back in 1 hour and the line drops the minute you pick up their call. Happened multiple times. Overall, they do not care about their customers, especially small business, they just don't, so stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d5bbada3ef6473f9e8e481cc67e68c7
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had two credit cards with them for a few years. I never missed a payment. I paid both cards in full and the same day they closed both cards without being able to give me a reason why. Customer service is terrible!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9dda2e980c6842f0a7d04dc99f2c12dc
encoding: FLOAT32
metadata:
{"chroma:document": "They could not make it any more abundantly clear they do not care about their customers. Nickel and dimed for every possible thing. In an account that only had $950, we have been charged $51.45 in fees in the past 3 weeks alone. Ridiculous. We just moved to Schwab for fee-free service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91b04499a10f4e61992d5e98ac6463e0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Bank of America customer for over 30 years, having a checking, savings, and credit card with them. I have always received free checks to use. Now they want to charge me over $30 for checks. Bank of America has turned over their check printing to a company called Harland Clarke which is a total rip-off company. The minimum amount of checks from them are 42 checks and for that they charge almost $15 plus another $10 for mailing them. What happened to my free checks? I am so unhappy about this change in check printing charges that I am thinking about going elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e9f37de3205411ea0c16e93f237f596
encoding: FLOAT32
metadata:
{"chroma:document": "Noticed a fraudulent charge on our debit card, AGAIN, and there was NOBODY to talk to at this disgusting \"bank\" because it was after 8:00 on Sunday. And they're closed again tomorrow because of MLK day. So apparently anyone can just access my account for the next 36 hours because this disgraceful bank doesn't have round the clock help for fraud. They are truly disgusting. I want to give them zero stars but they are so pathetic they need at least one star. Despicable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2125c92dce974c8abf29591ddf6503da
encoding: FLOAT32
metadata:
{"chroma:document": "BOA is the WORST!!! Save yourself a ton of trouble and aggravation and go elsewhere with your money! BOA could care less about their customers or your money. And their customer service sucks. They will tell you one thing but then do another and then tell you \"Well I'm sure whomever you talked to probably just meant...\" They are not at all willing to help you and could care less if you're losing money. They place holds on checks for a ridiculous amount of time, return items/bills that come through during that time (even though you have the money in your account) and then charge you returned item fees. Your account statement will say that a transaction has been processed but customer service will tell you it hasn't. It's an absolute nightmare. They find every way possible to charge you a fee. I will be closing my account ASAP and will be going elsewhere. You should do the same!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7f0137ff4a7467caedcf44c2a795a35
encoding: FLOAT32
metadata:
{"chroma:document": "Their website is like none other, I have more than a few cards and trust me when I say this. So difficult to tell what your payment is. What is this e-bill section? It is just confusing. I made a double payment and need to delete one. No clue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cdf2984be694e468ea686b9981b177a
encoding: FLOAT32
metadata:
{"chroma:document": "Opened up a card with Bank of America solely to do a balance transfer to pay down a credit card that had high interest. Due to my credit being fair, I was approved but only for $500 limit. I was disappointed as I had opened up an Amex account and received 10k to start with, but I let it slide since I was building my credit and only using this card for a balance transfer. When I proceeded to do the balance transfers, I was informed by customer service that I was only allowed a certain amount of transfers instead of a certain amount of time. This was not what was told to me over the phone when I opened the account so I was pretty unhappy. I decided to just pay down my debt the old fashion way and just use the card for my everyday purchases since I was trying to build up my credit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c41f008c80e24cfbbfc26263e4452242
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is terrible. They withhold funds and make careless mistakes. Hold time is a nightmare. Bill pay is unorganized. They told me a check for bill pay was never generated, but it came through my account three months later, which caused many fees that I am having to fight to get back. This problem is still not resolved. For the love of God, go somewhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3b28bd35bc74c21af13dd8a6f6433bb
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metadata:
{"chroma:document": "Bank of America warning! I got a settlement check from my lawyer, and he wrote a check to me on his BOA account. It has been several days since release. Last night he called the bank, and they verified that the check had cleared, yet they continue to hold funds per their policy. Chase Bank verified that they are the only bank to not communicate and release funds after checks have cleared. I attempted to contact them but as I was not an account holder I could not get past their computerized system to speak to a human. By holding funds and not releasing them after funds have cleared, they have caused myself and my disabled wife, undue pain and suffering."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf54df8370094e5aa803d728f35a72d7
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an account here. Has a total of 3 months. I've had nothing but trouble and customer service is non-existent. If you get anything you're likely to get scolded for being a customer. I am a state licensed, bonded and insured contractor. I have had payroll deposits from local companies that have been put on hold for up to 10 days at a time. In today's banking atmosphere it can take seconds or even minutes to verify availability of funds via a computer it even a phone call. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83a67f1a4b214cb0a70b1cc93caca4d9
encoding: FLOAT32
metadata:
{"chroma:document": "Travel site difficult to find/use. Called 5x for cancellation refund. For \"MY\" convenience & avoid any call backs, didn't even try for full refund- cost $105. Supervisor mentality- not out of my pocket so figured it just didn't matter. Didn't care enough to even try for the full refund."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c0a328cd59442b78015b26b6592292b
encoding: FLOAT32
metadata:
{"chroma:document": "Recently I have some Business to take care over the phone with Bank of America. For the Past few days I try to contact the Bank over the phone and I have no luck. The waiting period of 40 minutes before I decide to hang up the phone, very disappointing of the customer services, overall the level of Professionalism went to ZERO. Time to find a Different Bank Institutions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95c2f776b3124140b62aa057522ed673
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I have a BOA credit card, and it\u2019s what I use for my personal purchases primarily online, to help our credit. It has a 300$ limit. It is the most unreliable card! It declines for no reason, even if we JUST put money on it. The online statement never adds up. I just paid it in full, made one $30 purchase, and it\u2019s been declining for two days. We went into the bank to ask what the heck was going on and they said there was a \u201cglitch\u201d. Well, said glitch has not been fixed. Card is still declining. I need to use it... I\u2019m extremely frustrated. I have things I have to purchase, I'm out the money I put on the card for these things, and now the card isn\u2019t working. Where\u2019s the money? No clue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 257869a67f4d4c9c84d3f46eb85666a4
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer with BOA for over 15-20 years. I have great experiences and unfair experiences. I have made deposits in Very large amounts never experienced a problem and small amounts and have caught hell. Until recently BOA suddenly randomly select accounts to place Check Holds similar to TD Bank. Unbelievable causing a Catastrophic Disaster and my bills being delayed. After making a deposit via ATM, with 1/10/2019 the deposit slip after the check was taking advised me that a HOLD would be placed on my account until 1/22/2019. I immediately contacted BOA, inquiring as to why. I was then advised that the Check HOLD VARIES And they have a Right to place a Hold on a check. Remind you the check is drawn within the same state. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd0e4351a17d48e2a507457b6c69db6f
encoding: FLOAT32
metadata:
{"chroma:document": "My disabled parents have a BOA credit card. BOA never sent updated cards. You are unable to pay balance with rewards points without difficulty. They (BOA) could care less. Worst card anywhere ever. The phone number listed on the account is no longer in service. They tell my parents (89 yrs old) to go to the nearest branch with two forms of ID. Nearest branch is TWO HOURS drive. Unbelievable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87c5e9fcf8c446edb63cc45c5ddefbc6
encoding: FLOAT32
metadata:
{"chroma:document": "Every time we have tried to get into our Bank of America Credit Card account it is a horrible experience. Our online login user names and passcodes NEVER work. So we use the system to reset our passcodes. The system says it has taken the new codes. However, when we try to login - the new passcodes are not recognized. And, the system starts a 3 try count down. We always get clear out and clean the cache before we try to log in with the new codes. This has happened multiple times over the past two years. We always end up having to call BoA for help. And, if you think trying to log in is a hassle, just wait until you try to call in for help!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98986a08a48b4cbb8d75e8c6f3b9d4b6
encoding: FLOAT32
metadata:
{"chroma:document": "On September 27, 2017, I made a $8,176 deposit at the local branch of Bank of America, following the instructions of someone who had spoofed my lawyer's email. I was in the process of purchasing a home and needed to provide the remaining balance of the downpayment. Someone spoofed my lawyer's email and directed me to make a deposit into a specific account at Bank of America. The reason I fell for it was because we were far in the process of purchasing the house (we were close to closing), had already exchanged dozens of emails, and the spoofer knew details of the conversation I had with my lawyer the night before the email was sent. I suspect that the realtor may have had something to do with it, but I'll let the FBI make that determination. I can discuss those details in another post - this one is about the Bank's negligence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d6860357129402695d9c4aac5e92ff0
encoding: FLOAT32
metadata:
{"chroma:document": "Basically a fraudulent transaction was made on my card. It's been 2 weeks still no help. All they say is they are working on it. If you run a small business and someone steals your money they will not protect you. It will take forever to get your money back. Beware. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d0cdc6277044b5486b6879f358579a4
encoding: FLOAT32
metadata:
{"chroma:document": "Today, January 7th, 8pm EST, I checked my rewards balance and noticed Bank of America was no longer giving me 2% cash back for groceries and 3% for gas. I called to see what was gong on. After SIX minutes of prompts I received a message saying I would finally be routed to a live agent with a wait time between 2.5 and 3.5 hours!! Unbelievable, Crappy customer service. Stay away from this institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d508ae8542f49c5a689047993330891
encoding: FLOAT32
metadata:
{"chroma:document": "I was a victim of an international scam by an employer. After they hired me as a project manager, part of my job training was to purchase equipment for the company using my B of A credit card and I was reimbursed by the company accounts from other banks daily, bringing my account balance to zero. After few months all the payments to my B of A account was withdrawn by these other banks as the company turned out to be a scam and had been apparently using other people's accounts to reimburse my purchases without my knowledge. I received a note from B of A that I owe them about $200,000 because of these withdrawals that I was not aware of and did not approve. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e3fa324ab0b47b48dd2976840c081b3
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a checking account on 12/17/2018 and as of 1/8/2019 have not been able to log onto my own account and I'm being told sorry by the bank. This account had to be opened for a line of credit. Beware of BANK OF AMERICA as this appears to a way of getting extra service charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8878ac1f316d43e8868ecdf67b50640f
encoding: FLOAT32
metadata:
{"chroma:document": "On Thursday December 27 2018 Bank Of America called me to let me knew that someone fragility put a check in my account which I did not have any knowledge to what was going on. Mind you I had money in my checking and savings account before my hack got hacked with this fragility check from Gulf Coast Bank Trust. I made a police report regarding this issue. When Bank of America called the Guy name was Nate who had called me about this issue. He stated to me that my account was going to be in the process of closing because of this check that was deposited into my account. Then on Friday December 28th 2018 Bank of America had let my direct deposit go to my account which was hacked and it's on hold at Bank of America. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1412ba5955aa476b82115ba1676f1147
encoding: FLOAT32
metadata:
{"chroma:document": "I called Bank of America to link QuickBooks for my business. I was on hold for 2 hours. A representative answered and was rude, condescending and unhelpful. She said the holds were from customers calling and asking trivial questions. Since when is a customer question trivial. Then she transferred me for another hour phone hold until I ended the call still on hold. My issue is not resolved. I am disappointed with their lack of service and will close my accounts and do business with another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce0da283d8ac4c7282ec8094c8a41942
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a BoA customer for 60 yrs. We have 4 accts w/ BoA, a past mortgage, CDs in the past. In the last decade, especially 5 yrs, BoA has significantly deteriorated in customer service. I have been on hold for 2 hr. 10 Min! My big issue? Just want to take off $95 of fees they charged when I have overdraft protection for a sum total of $50 worth of expenditures. That ends up being close to 200% interest. As soon as I saw it, I went in and put in money. I am now on call w/ the 3rd person asking for help. This one was more helpful than the last 2, who were abrupt and couldn't have hung up fast enough. BoA tries to charge fees for every little thing as a way to gauge the customers. I would get out if my husband would be willing to transfer. His reluctance is many bills are logged in for autopay. Otherwise, I would have been long gone. I'm gonna work on it to make it happen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 677de94bc95044e2a2ce2d84c9c789c7
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America has two major promotions going now, one for a credit card and one for a checking account. I applied online for both accounts so that I could manage my cash back rewards from the credit card and receive a \u201c10% Cash Back Bonus\u201d when you deposit your credit card cash back into a BoA checking account. I was notified a week later that both accounts were approved and on the way. I received the credit card quickly (had to pay a rush fee) in order to purchase Christmas gifts for my kids and take advantage of the cash back reward. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cebec48f301c44d4aa6d26c8eac92abf
encoding: FLOAT32
metadata:
{"chroma:document": "I wouldn't even give BofA a star but I'm forced to. Never do business with this company. They will close your account at any given moment and will not provide you with an explanation as to why. I didn't do anything suspicious with the account and they closed it out for no reason. They will not even give you a heads up or warning that they're closing it, they just will."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a47b9b88a3f46aaab6f202eac7085c4
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited a check on 12/27 through the ATM machine... Now though it stated that there was a joke placed on my account for 10 days. The account the money was drawn from posted the very next day... I called the bank. Received no answers. Went into the bank on 1/2 and brought in proof of the posted deposit which ok occurred on 12/28... I received 2 fees on this account as well as returned checks and they refused to reverse those fees... The purpose of a hold is to ensure the money clears. These funds cleared the very next day due because of the hold YOU JUST SIT ON MY MONEY FOR 10 DAYS when it shows the money POSTED. THAT'S HORRIBLE AND RIDICULOUS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c3b2d5fde6e4f98af5a800108f95a81
encoding: FLOAT32
metadata:
{"chroma:document": "I recently had to file a claim with BoA. BoA filed the claim twice. I didn\u2019t realize that the claim was filed twice or that they credited my account. This all happened earlier in November. On 12.28, my account was overdrawn 500 because they did a reversal on the duplicate claims. When I called to see what happened and why, I was told that they did a duplicate claim, a month ago, and they were took the money back. I was then told that I need to monitor my account more closely and they would not be giving me my money back. They rep even admitted they were at fault for the duplicate claim. They said they notified by email, which they did, but the email said they were crediting my account after the duplicate claim. I am so disappointed that after they admitted fault, they basically said they were not going to give me my money back. I\u2019ve never had any issues with them prior to this, now I\u2019m considering changing banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: baebfbbaae624e9089588fd0ca5ca0b3
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America has the worst customer service. Not only has my card been blocked multiple times once after a haircut and it took over 2 hours to get ahold of someone so I could pay, another time I had a basket full of groceries and it declined me as I tried to pay. Each time I have to call the bank and it takes well over an hour each time. I still stayed with the bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ddeaea699c53437cac0f8250ae9f0dce
encoding: FLOAT32
metadata:
{"chroma:document": "I went to Bank of America in Beltway 8 and Wallisville Rd to change my work check which is from bkoa, they asked me if I wanted to open a new account with them and I simply told them no, that I had an account with them and I had to close it because I didn\u2019t like the way they work, they simply started saying there was something wrong with my check, they took my check which is the same one I\u2019ve always change for like about 5 years and they put it in the manager office and saying that they have to confirm everything was ok. After an hour they made me put my fingerprints and wrote something on it! They simply told me that I had to wait for the manager. I simply leave and went to Chase and they change it with no questions! Thank Chase!!! Bank of America is the worst bank ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 836f5e5bd924463a837a65ca44be7b4a
encoding: FLOAT32
metadata:
{"chroma:document": "With billions of dollars in fines and lawsuits, you would think that Bank of America would do everything they could to change their ways to operate in a more moral and ethical manner. But, that obviously isn't the case. I deposited a payroll check to my Bank of America account using their mobile deposit system. The check was issued from a Bank of America account. I have always been told that, if the check is deposited via mobile deposit and it is a Bank of America check, the funds will be available the next day. Now, suddenly and without warning, the funds are being held for a week. I suppose that has nothing to do with the fact that, in that time, my credit card payment for my a Bank of America credit card comes due, causing me late fees, right?! Additionally, my rent, car payment, and insurance were all planning to come from that check, costing me more money in fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 463164904a47468db29fb3a0b693b149
encoding: FLOAT32
metadata:
{"chroma:document": "It seems to me the initial problem is with BANK OF AMERICA...(you know it\u2019s owned by Saudis...right?) Anyway, this bank practices unethical and underhanded practices for years. This is why they have been sued dozens of times by class action lawsuits. I personally have had only good service and experience with Carrington since they took over my loan from BOA. I guess it\u2019s just depends on what customer service rep you are \u201clucky or unlucky\u201d to get. Their escrow department has improved significantly; now your escrow balance is on your statement and you can track it. This company\u2019s policy is to have a cushion or they will float you a non interest loan attached to your mortgage that is spread out over three years to cover shortages. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4b55843e4d34083a0beae18f1ccaf32
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a Bank of America customer for probably now four or five years. Compared to my Chase or PNC account, Bank of America tends to have fees for low balance and fees for transferring. The other two banks both have no fee for transferring. I feel like Bank of America squeezes out every dollar out of you. I understand that banks have overhead for maintaining accounts, but they more than make up for this with their lending products."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e291bf1479b4806b4a5bb7712b902f2
encoding: FLOAT32
metadata:
{"chroma:document": "For 16 years I be using Bank of America. I went to this site Global Poker. The bank let them reach into my account and take 230. How they do not know this site is a scammer and allowed Global Poker to withdraw 4 times from my account. The reason why everyone is using the bank is for customers account protection. I feel like there\u2019s no protection if they don\u2019t even know what site is a scam and allowed them to do that 4 times!!! This is unbelievable. I have to switch bank for account safety. Bank Of America are the worst!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6f250e2d0314d4c92496deb7569e83f
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I could rate my experience with a 0*. The Claim rep was RUDE and very UNPROFESSIONAL!!! She took things upon herself, and blocked my debit card. I been dealing with BOA for 7 yrs and those was the worst!!! I will close out my account after the 1st of the year. Y'all customer service SUCKS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1ea7bb4d4d24e9f9d6e9e14321798dc
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited my Christmas Bonus and it is on hold for 10 days. Bank policy. Worst customer service ever. I will be closing my account with them and finding a better bank. Run from this bank. They are the worst bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10f0eb4d653143bb97b4ec652d31724e
encoding: FLOAT32
metadata:
{"chroma:document": "This is the bank that holds my check for 2 weeks in Christmas and New Year time with no reason. Because they need money for themselves and they have right to keep your money. That is one of the ridiculous bank. I will close my accounts right after my funds available... Interesting part is, the check that I deposit from my different business account to other one and Bank Of America said they dont get money since check withdraw from my other account. You guys are ridiculous... I have been your customer for 7 years and how you guys treat your clients..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92eae0e8a86b47ec92fead47ffbebb95
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had a credit rating of 825 for the past 10 years and never a single late payment in all that time. Last year I decided to apply for Alaska Airlines BOA credit card for the perks of airfare and mileage. I downloaded the app but was unable to view my transaction detail online nor did I receive billing statements. BOA wanted me to link my Wells Fargo account to the credit card and I declined for security reasons. I was unable to set up an immediate transfer as I pay my credit cards in full every month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16119e85bdb0437f9b45850986d9d25f
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst service ever. Completely helpless when they placed a hold in my deposits for over 48hrs not notifying me. This took place over Christmas weekend, I will never bank with them and will advise you stay clear from this crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ca74a591a7943e4945a967789b3121a
encoding: FLOAT32
metadata:
{"chroma:document": "Is there an option for zero stars? I've had the customer service experience from hell. My existing claim for a disputed CC charge for $3000 was reversed not in my favor. The reason being was I did not respond by the deadline to keep the dispute open. I received a notification letter to respond to the dispute to keep the case open by a date (Dec 13). The notification letter arrived Dec 18th. 5 days after the deadline to respond had passed. There was no option to respond in time. There was no email, no phone call, no message in my online banking with BofA, not even an app alert in my BofA App. Just one late letter that arrived the same day as the letter saying my dispute was wrongfully settled. The $3000 charge that was reapplied to my statement has left me unable to purchase anything before Christmas. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9da353d7d8a74f19b2fb38e8740c87a3
encoding: FLOAT32
metadata:
{"chroma:document": "If the lower than 1 star was available, that is what they would gotten. I never write reviews but this experience was so bad I wanted to share it with others. Bank of America has been my sole bank since 1999. There have been issues in the past but the one this week is the one sending me to do my banking elsewhere. Saturday December 15th I deposited a check on the mobile app. BIG MISTAKE. It showed accepted on Saturday but on Monday I showed I had a low checking balance which would have been impossible with the deposit. I went online and discovered they were holding the check for almost 2 weeks, December 27th. I called on Monday and was told it was a suspicious check and could not checked until the image from the deposit was available and I was asked to call back Tuesday. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfaf6f5b963c479db3b720c83baf401a
encoding: FLOAT32
metadata:
{"chroma:document": "Today was a very awful experience with Bank Of America at 250 E. Bearss Ave Tampa, FL 33613 with the Vice President **. He refused to provided customer service and they have proud on what they do and they can only as a \"customer service\" which makes a very bad impression because to top it all, it really sucks! I arrived to the Bank at 3:05 pm to send a wire but he said that there were two appts before me so for that reason it will not be possible to do so. I drove by another BOA on Fowler. Arrived at 3:35 pm. They were 20 times more busy than the one on Bearss."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a736e3f2002a4812b62686b7fca6e3ee
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible Experience. Have been with Bank of America for 23 years. We had a customer to come in and purchase $8000, which we called to verify with the credit card processing company, and their response was that the card was good. Fast forward 3 days and there was a hold put on our account. All funds were held and we were not notified. Very poor customer service! We still cannot get a hold of anyone, we have left 20 messages within 2 days and they still have not answered any questions that we have. They told us all was well. We find out after having our account frozen that all was not well, and they waited for 7 days to contact us by MAIL!!! Small Business Run from this company!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8739639e7b3427593456f53670cb08c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with BofA for 23 years, I have been frauded out of 33,000.00 in appliance sales. This merchant services has been TERRIBLE to work with, I have spent over 75 hours asking for questions to be answered, NOTHING. I called the security review department and left over 23 phone messages for their department, no phone call back. SMALL BUSINESS OWNERS STAY AWAY FROM THIS MERCHANT SERVICES COMPANY. They will not stand behind you. 23 years and not one problem and this happens and they will not even talk to me. They say, \"Go get your attorney.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f024799329445849c59a8641e4165da
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America cannot handle online banking. My business account was blocked temporary due to suspicious activity. After clearing it, the fraud department could not lift the block. Spent many hours and visits to the bank in a month and after lots of activity they admit that they cannot remove the block and they need to open a new account. I am going to open a new account, but in a different bank. Looks like there not a selection to rate experience below 1 star..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 909827acaeb548ef93baf56cbe69f751
encoding: FLOAT32
metadata:
{"chroma:document": "I have noticed suspicious banking practices for a long time now with Bank of America. I would love to do a study on transactions to prove their deceptive practices and start a class action lawsuit. They sit on funds for extended periods, they take advantage of people living paycheck to paycheck and rig the timing of items clearing your account to lead you to being withdrawn with [multiple] $35 charges. I had plenty of funds to cover my car payment, which showed as PAID on their website, but it didn't reflect on my checking account for several days which led me to being overdrawn. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ffa52628eda490ba91171969fa3a9bb
encoding: FLOAT32
metadata:
{"chroma:document": "If you want a continuum of disrespect and frustration, this IS your bank. I have been with them for 19 years and am pulling the balance of my Wealth Management funds. Massive menus, ridiculously long hold times, \"inadvertent\" hangups, NO accountability, no call-back possibility. Try asking for a manager and you are put on hold until you dry out and cannot hold anymore. Nice MO, BofA! Save yourself frustration\u2026 STAY AWAY FROM THEM!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2ed503b65ac4d85a8d15ff920b39368
encoding: FLOAT32
metadata:
{"chroma:document": "I had the unfortunate experience of speaking with Tracy ** on the Bank of America customer service line. When I tried to explain to her why my account should not have been overdrawn and then had accrued an overdraft fee, she rudely began to speak over me telling me how I had already agreed to all of the terms when signing up for the account. Well clearly they had not explained it well enough when I signed up, but she did not seem to care and she had actually insinuated that I was not intelligent for not originally understanding the terms of service. I am completely appalled at the way Tracy ** felt that she could talk to me and I never will have another bank account with Bank of America again!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c43a21125d1642dda619844a46fa2454
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Bank of America for over 5 years. Their customer service was generally very poor with the occasional exception. I put up with this since I didn't have to contact them too often. Last week, they unexpectedly closed my checking account. I had always kept a moderate balance so this couldn't be the issue. I've also never engaged in shady activity. Calling their customer services was utterly unhelpful. They would only tell me that \"Bank of America reserves the right to close accounts\" and \"Bank of America can refuse to cite the reason for this decision\" and \"Bank of America's decision on this matter will not be reversed.\" No reason and no option for appeal. Unbelievable. Others who have also had the misfortune of experiencing this can attest to how infuriating this is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6edfa54ba335429592bb596209e1d777
encoding: FLOAT32
metadata:
{"chroma:document": "I contacted Bank of America regarding a credit card I had set up through their bill pay center. It has not been going through as all of the other cards have been that I set up through their bill pay system. No one could tell me why it didn't go through!!! All I wanted to know was what I needed to do to correct this!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4683a1d035234bc89e4aef61828803b3
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely no clearance procedures for fraudulent checks. Will deposit anything in 0 time, will show money as available and after you already paid out of your own funds they will tell you that check bounced back. Miserable bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ecd314732bb74e4bbf985c4565f1f885
encoding: FLOAT32
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{"chroma:document": "Check this out! I go to the casino. I tried withdrawing money from my account and my card gets declined. I try again and I'm not sure why my card is declined again. I called the bank and they told me that they needed to increase a limit so I can actually use my card at the non Bank of America ATM (Which makes no sense), but that everything was back to normal and I may use my card now. I go back the ATM thinking everything is fine now, my card gets declined again. I try again thinking I might've not giving enough time to process again declined. I call them back. Takes them about 30 minutes to answer. I tell them the situation again, they assure me that the problem is fixed. I go back to the ATM again. My card is declined. Tried again this time finally my card works. Everything is good until the next day I see eleven charges for $2.50 from BANK OF AMERICA for using the ATM 11 charges. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e9f2b71045f456cb7044a4fd6c7769a
encoding: FLOAT32
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{"chroma:document": "Deposited a check in my BofA checking account Dec 8, BofA will NOT release it until Dec 19. 11 days! Btw, the funds have already been deducted from my other account, meaning BofA has the money, they are choosing to sit on it for 11 days. In the past BofA held a check for 1 or 2 days. I've been a customer since 1994 have great credit, 2 BofA credit cards, no overdrafts, no late payments, etc. Called BofA 3 times! Spoke to supervisors Jasmine in Alabama was particularly unhelpful. I've never been treated like this by BofA but have heard many stories from others. Only thing I can do is close all my BofA accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0217ff6dc38e459490da71dd12e1380c
encoding: FLOAT32
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{"chroma:document": "Over the past few years, I have had both preferred rewards and non-preferred rewards status. When I was PR they would do everything: return fees, expedite deposits, etc. Now that I am not PR they won't do crap. Today 12/12 I called in about a check deposit and they told me it would take a day to go through even though under $200 they generally give a courtesy credit. The Customer Service Agent told me that they do not do that and that it has to process. THIS IS VERY NOT TRUE. I told her I knew what I was saying and referenced internal policies I know. She eventually admitted that they take your balance into account when giving levels of service. Unbelievable. WORST BANK EVER."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 82db231c5fc946239987f5d1e9aca106
encoding: FLOAT32
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{"chroma:document": "I just got off the phone with rep name Paul, phone call took overall 15 mins and service from Paul about 7 mins. Originally I called through the Spanish line and there was no available representative to be able to assist me... I get transfer to the English line and encounter Paul. Paul was disrespectful, he interrupted me over 5 times in the middle of expressing my concerns. Did not let me finish any sentence without interruption. Rep started breathing hard making me aware that I was annoying him and basically I was a bother to him. He should definitely receive some training in applying Active Listening within his calls. I work as a CSV Rep myself and NEVER interrupt any of my customers. He was beyond rude and gave me a very hard time when I was told by another Rep (Spanish rep earlier today) that I didn't need to do what Paul was demanding out of me. He should really be fire. RUDEST PERSON I HAVE ENCOUNTER."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e92e9b3e6d9f4a72b9b99895c31607e0
encoding: FLOAT32
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{"chroma:document": "In October 2018 I received an envelope in the postal mail from Bank of America about an annual notice for a prepaid debit card that had been sent to me this past year. I don't have any. Customer service, Justin, could not locate anything under my Social Security number so nothing could be done to find out where this card is and who sent it. It included a copy of their privacy notice. Here we are facing Christmas and I never received any Bank of America prepaid debit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb7773d3177640beb1e6c44c863f2781
encoding: FLOAT32
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{"chroma:document": "Miscommunication between departments. These people are idiot, and useless. After so many years (6 years) working with them, they had zero respect for me. In August they asked for my driver's license info, and I went to bank personally to give them my new driver's license. After a week they closed my checking, and my car payment was returned and I had to pay fees for that, and I called them and asked why is that happening, they said they have not received my driver's license. I told them that they are stupid, and how come the banking center did not send them the driver's license. They said they are sorry and asked me to send it again by email. Then after 4 month, I realized they also closed my credit card because the credit department did not communicate with the rest of freaking B of A to get my driver's license."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 690c86052dba4152b2e6586a08db0525
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America! My sister sent me a cashier's check for taking care of her cats while she was away so I went to the Bank of America on Dickson Street to cash it because it was drawn from the Bank of America. Apparently after standing in line for ten minutes I was informed that the branch manager would have to cash it for me because the tellers could not cash it. Well the Manager Willie ** told me I would have to wait until he was done eating his lunch. So I waited until he was done eating (about 25 mins) and asked him if he could cash the check. And he told me he was busy with something else and that I could wait or go to my own bank and cash the check! So I went back out to the lobby and about 15 minutes later the Manager Willie ** came out to the lobby and told me that it's not that I can't cash that check it's I don't want to! Go to your own bank! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43a9f0a659244e249baae4b92e5ea45c
encoding: FLOAT32
metadata:
{"chroma:document": "This bank sucks. They are thieves and took 85 dollars from my bank account. They charge 25 dollars every month. That's 300 a year that they make off people with low or medium incomes. I called the bank asking about the 85 dollars and could not figure out what I was talking about."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1786f4e756084a62b66d9371ef31447b
encoding: FLOAT32
metadata:
{"chroma:document": "I recently opened a Bank of America account and deposited a insurance check. Seemed like would be ok. Well then I received another check. I used their very flawed teller assist to deposit 41000 check. They told me I would have access to a portion of my funds 2 days later. Well upon depositing my check I got a receipt out of machine starting I would not have access to any of my funds for 10 days... Very crooked when US Bank said just call they would order the money and in a couple of days I could come in and get the cash."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8ee19ae0eba404cbe3cd343dd90a94b
encoding: FLOAT32
metadata:
{"chroma:document": "After the lobby wench harassed me to open an account, we spent an hour setting things up. 3 days later I had received an email stating my balance was below $25.00 which was not correct. I logged into the app to see a debit in the amount of -$888,888.83 which tied up the initial cash deposit that was made to open the account. I am informed that this is their code for fraud. Strangely enough there have been zero transactions on the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2860ff674bc94ecda1419910e6e8500a
encoding: FLOAT32
metadata:
{"chroma:document": "I am beyond disgusted with this bank. I have a checking and savings account with them. I usually kept the minimum in the savings account just to keep the account open which I believe was $25. I just checked my savings account and noticed all these fees for the last few months. They said they raised the minimum to $500. I was outraged by this and they said I wasn't notified and they said it was in my statement. Honestly, do people read their statements Bank of America!! People should at the very least receive an e-mail alerting them that they have raised the minimum. Talk about sneaky and underhand!!! Millions of customers are oblivious to this and Bank of America is literally ripping them off. I asked them to refund my money and they only refunded 3 months worth of fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aea8a2621fcd4a47bef73dd57cc961ee
encoding: FLOAT32
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{"chroma:document": "I have had these accounts for 30 years now (going back to the old Barnett Bank days). Periodically I deposit large Cashier's Checks when moving CDs from 1 bank to another and there has never been a problem until this week. I deposited a large check expecting next day availability since it was a Cashier's Check drawn on another large bank. Having worked in the banking industry, I know for a FACT that these checks clear electronically overnight and the actual paper check gets scanned & never gets physically 'presented'. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8ea942d990f42b2a696c17bfced0b86
encoding: FLOAT32
metadata:
{"chroma:document": "I am a US citizen living overseas and have maintained two checking accounts at BofA for fifteen years. Not long ago, a large sum of money from the sale of a house in China entered the account. We bought a new house in California, and I later wrote a large check on BofA to our private bank, as that account allowed larger sums of money to be wired through online banking versus the $5,000 that BofA allowed me. The large transactions brought up some questions, and they wrote me asking for more information about my identity, US citizenship and line of business. I provided all the information and sent it back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e14f739a094f41a1a5fdf2b91de3f1e9
encoding: FLOAT32
metadata:
{"chroma:document": "We had one of our cards cloned somehow. Somebody did 8 withdrawals from an ATM in Pasadena. Although we got a temporary credit back, all of a sudden, these amounts posted back into our account. Before they posted, they appeared \u201cprocessing\u201d for days. Of course this overdraft us and obviously, we got charged $35 per overdraft fees. $400 someone stole from our account plus $35 per transaction ($245 total). Their claims department also deemed that these withdrawals of money were accurate. So basically, they royally screwed us. ON TOP OF THAT, because of all this none sense, they didn\u2019t honor my electronic payment of my rent, which additionally put us in the crapper with our landlord. This POS institution can go to hell for all I care. DO NOT BANK WITH THEM!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8713b3faa67b493ab5f13a3d74d78cd4
encoding: FLOAT32
metadata:
{"chroma:document": "I had a checking account with Bank of America. I moved to Salt Lake City because of job change and wanted to sell my stuff. Someone contacted me in response to my add and I sold the stuff. Because I had moved to Salt Lake city she sent me a cheque. I deposited and it came through as counterfeit. I informed this whole thing to bank along with the documents and contact details and our conversation. Bank of America closed my accounts and reported to ChexSystems when it was not at all my fault. They were rude and very unsupportive. I should have never banked with them. Would advise everyone never do banking with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9941e5a9429d47c3b45e58bedcf0c4c1
encoding: FLOAT32
metadata:
{"chroma:document": "BOA is the biggest Rip off Bank for Consumers. They spend all of their time coming up with ways to charge more fees. Now they send images of your checks and then charge you a Service for doing it. The customer, like myself never signed up for this Service. It is just one more example where the BOA will rip you off at every chance that they can. I had to call BOA and first find out what this Service charge was for and then I had to cancel this unauthorized Service. What a RIP OFF Bank BOA is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a4b80c470d940848b6491ef5fbed044
encoding: FLOAT32
metadata:
{"chroma:document": "One day I had money, the next day I was overdrawn. I had no way to anticipate the possibility that my money would be sequestered the way it has been. Because I erroneously deposited a check twice using their shoddy mobile app (I don't care what JD Powers says) I deposited a check. I didn\u2019t get any confirmation that it went through and it being my first time using the service, it appeared as though it didn\u2019t work. I came back to the ATM the following day and physically deposited the check. I made charges using the Google Play app but this was too unusual. These activities caused the bank to basically freeze and overdraw my account \u2013 without explanation. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f7a111a0dc3648389641cb1ae7b80e1c
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metadata:
{"chroma:document": "Bank of America is a racist establishment. Being ** filing a claim instead of being a victim you automatically become the suspect. I went to atm and I tried to do a withdraw $180. My money didn't come out so I walked in the bank teller to withdraw money and said that I just did an atm withdrawal from the atm. I told him nothing came out and he stated that the power went out for a slight second and to get my money back I have to file a claim, so I did and they told me I have to wait to the 14th of Dec to receive my cash back. Because I had claims before. It's not my problem that ** do shady **! People. Now I'm the one in question when their atm robbed me. ** BofA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff9db7204e3e402db74e9fd8628783e0
encoding: FLOAT32
metadata:
{"chroma:document": "Use auto bill pay to pay constant accounts. Had bill pay set to make payments on the second of each month. For first time the system made a payment on the end of the month previous month instead of the second due to fact that second was a Sunday. In pass system had made this payment on the third, this time made payment on the Friday before causing 105.00 in bounce service fees. I have called and talked with service reps four times and tried to contact a supervisor and all they keep saying is system operated correctly. Not a true fact system just started operating this way. Did not get a call back from supervisor that I had asked for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c342e9cc3b484b1fa84388e02988d06e
encoding: FLOAT32
metadata:
{"chroma:document": "I've been on hold for over 1.5 hours trying to ask someone why they are blocking online purchases despite the fact that my account is up to date and has thousands of dollars available credit. Not the first time they've blocked online charges for no reason and left me wasting time on hold forever when I called to find out why."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cc0c12d86374ead822f0796efad3093
encoding: FLOAT32
metadata:
{"chroma:document": "This is the 1st review I have ever written. Before the middle of Nov., I applied a Bank of America credit card online in order to shop for Thanksgivings. I did not receive the card and there were fraud transactions with the card. When I called the customer service hotline 1-800-421-2110 on different days, two times needed to hold over 15-20 minutes. One time even took over 1 hour and 45 min. So I just hung up and think I should write a review with my experience. I cannot believe this kind of poor customer service will happen with an American major bank. On Nov.19, when I called the bank to report that I had never received the card, I was told that they would investigate the fraud case and re-send me a new card. However, as of Dec.1, I still did not receive any of the BOA credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6f41a1da6704c9ca0626ad556b8ad1b
encoding: FLOAT32
metadata:
{"chroma:document": "If I had the option to leave zero stars I would. Do not bank here if you want peace of mind you have access to your money. This bank is holding a PAYROLL check for 8 DAYS. I work for a larger company and I\u2019ve also deposited several paychecks already. This is not a new check and I am not a new customer. I made an ATM deposit with the check and some cash on 11/27. I then proceeded to pay my bills given that our deposit slips indicate that there is an available balance right away but purchases will be covered from that date with full funds available the next day. This is totally normal and not a big deal. I paid my bills as I always do within the available balance, but I always make sure not to include the small amount they hold. I log in later the following day to find my account is in the negative. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 883eee94bdb44b7591f1d205f3d4c66b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had 6 blocked purchases with no explanation as to why. I recently learned that they expect you to download their app and turn on location tracking so they know where you are 24/7. A total invasion of privacy and the only credit card asking the user to do this without blocking each purchase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8312b752cb504ec6aa83ecbb38cbdee4
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with B of A for many years and run hundreds of thousands of dollars through my accounts. I have noticed in the last year or two that the customer service is going downhill and fast. Today I moving money via check from US Bank to B of A. It was a large sum, so I spoke with the manager at US Bank on how to best accomplish this without a hold on the funds. He told me to have the manager at B of A call him when I presented the check to see if he could help authorize the funds faster than usual. The bank are across the street from each other and the managers know each other. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d37f12f3f6a4db0b9c433f725d64084
encoding: FLOAT32
metadata:
{"chroma:document": "Why, why, why doesn\u2019t BOA care about customer service? This Branch on Forest in Dallas constantly closes the motor bank, so here I am on a Friday once again standing in line for 30 minutes, only because I have to make this commercial deposit. I dropped this bank (BOA) along time ago as a personal bank, but now I have to come here because my job uses this bank. You would think they would have more than two tellers working, it\u2019s Friday for God\u2019s sake! Why is the motor bank closed down so much? What is wrong with BOA? I know BOA makes tons of money. After all they love to steal your house from you, remember 2008???? So get branches in building that have working motor banks would you? Sometimes I show up here and the whole branch is not open, during the week during what is supposed to be open hours. I hate BOA!!! Yeah, who doesn\u2019t right? Wouldn\u2019t give even one star if there was a choice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6e9bb60ad094e93b46186aa9dc455f2
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a Preferred customer with BoA and in the past when there is a fraudulent charge on your account they would take the hold of your money. This is no longer the case. If there is a fraudulent charge they will hold that money until the matter is cleared up. They did not info customers of this change in policies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 186a4bc6e2334b0bbbd834f7677ca051
encoding: FLOAT32
metadata:
{"chroma:document": "On 9/18/2018 I was a victim of fraud where money was transferred from my savings to checking, daily limit increased and then the thief went on a $6500 shopping spree. All these transactions occurred while I was in the BofA branch 600 miles away claiming something was fishy with my account as I received an email confirmation the money transfer I never made. BofA states I made these transfers from my cell phone via call to an agent yet my phone records from my carrier prove I never called them. BofA has denied my claim and I am seeking legal advice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a390dc6722ea47b3a3e0d60e855e66e5
encoding: FLOAT32
metadata:
{"chroma:document": "I am absolutely disappointed with the fact that Bank of America wasted an hour and a half of my time in their office, not to mention the 40 minute drive to visit the location. We spent a long time trying to simply set up a secured credit card for my wife, but was told that cash and debit card was all of the sudden not good enough to pay the deposit, though it was said in the beginning of the conversation that cash or debit card is fine. I was then told that I had to provide my routing and account number because that was the only method of payment the system would accept for some reason. THEN, after me spending 10 minutes to get that info and giving it to Chase, I was told that that is also not going to work; now they wanted a paper check and that it was the only thing they would take."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbdc4578398443fda2e0ca054f8bcf1e
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America is the worst. They hold your deposits for no reason for a long time so they can make money in interest they earn with your money, while the funds are already available for them, the customer can not get the money for 2 weeks. Horrible practice and customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93f7a1d4c4b04b02b824430010f6b94a
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with this bank for over 16 years. The experiences I received today is by far the worse and the fees for being a customer continue to rise. I have 3 accounts with this bank and if you do not make a deposit in your account for over $250 despite plenty commas in your other account they will still charge a monthly maintenance fee crazy. I want to close my accounts and instead of the rep trying to convince a long time customer to stay they would rather close out the account. So sad these banks isn't worth 2 cents anymore. Come out better saving your money in your own safe box..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04cade353b864184bbb7b8cd010e8225
encoding: FLOAT32
metadata:
{"chroma:document": "BoA charged on my account for the sake of their system Issue... I wasted my one hour for talking on that it with customer service... Even he is agreed to the issue but he said nothing he can do about it... It's Scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c0478ea768d4287842df3d8b4bff28b
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a loyal customer of Bank of America for over 25 years, but that does not mean anything to Bank of America (BoA). The recent levy of $12/month maintenance fee only serves the profit making purpose of Bank of America unilaterally. Not long ago the American Taxpayer bailed them out by giving BoA over 60 BILLION dollars, GAVE them away. So, if BoA screws up, it's their customers who end up being screwed; and now look at the quality of customer service! Walk into any BoA branch, with only one cashier servicing long lines."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 908592461bc447b293ba9641c3823acd
encoding: FLOAT32
metadata:
{"chroma:document": "Have tried to do business with Bank of America several times; it would take a couple of hours to describe how bad it has been. Do yourself a favor and bank at your local credit union or find a CU to join."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54bd8daef7be49f5a1e5437961072718
encoding: FLOAT32
metadata:
{"chroma:document": "After many years with Bank of America and ongoing issues with fees, they finally pushed me over the edge with a $12/month account maintenance fee that started in 2018. I had an eBanking account for many years and was told that they discontinued that type of account and now I need to pay the maintenance fee for the new account. That is ludicrous, I never asked to be in this new account and I personally believe there should've been a grandfathering. Unfortunately, I didn't realize I was being hit with fees over an 8 month period and they would not refund the fees. I closed my account today because I no longer feel this bank provides a quality service to their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 547d30d291e24daba921a1898499f2d1
encoding: FLOAT32
metadata:
{"chroma:document": "My daughter was out of the country and was being charged 3% fees for each purchase on her card. She couldn\u2019t use the debit card in an ATM to get money because there wasn\u2019t an affiliate bank in the country. Her deposit was late going through and she had 24 transaction fees go through causing her to have 24 overdraft fees accumulating to $870."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7faa1e31183430384e1680560f9841e
encoding: FLOAT32
metadata:
{"chroma:document": "Don't like to complain a lot on here but just be careful when applying for credit cards. Bank of America does not do good business and they don't care about their customers. At the end of October, I applied for a card with 15 months 0% APR and $0 balance transfer fee that ended up being 18 months 0% APR and 3% balance transfer fee. They're saying I selected a different offer when requesting the transfer, all done online. They've been awful to me ever since. All avenues have been exhausted except sending in a letter to some address that I expect to be tossed in the trash. Taught me a lesson to stick to the bigger, better companies who don't want to lose a customer over something as silly as this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f995a04f10d4cd08ed41ae876a28cc6
encoding: FLOAT32
metadata:
{"chroma:document": "I lost my card and someone use my card. Bank of America refuse to refund my money back. This is the worse Bank. Don't ever go to this bank. I never had this problem with other banks. If this matter is not fix I'm contacting their corporate office and suing. This is not how they suppose to treat their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9d6796b63e24c83a5bfd27a9a2d5df2
encoding: FLOAT32
metadata:
{"chroma:document": "I had 2 negative entries 13 years ago show up on my credit report, both were legitimate, I admit. I have been trying for over 2 years to have Bank of America remove the entries because they are long overdue to remove according to the FTC website **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79a8c514542d4948bc08ca197bcaed24
encoding: FLOAT32
metadata:
{"chroma:document": "Late July after closing on a second home I contacted BOA to start the HELOC loan process to refinance a variable rate loan I have on my primary residence. After several weeks of ongoing requests for information they finally moved on to the appraisal stage. First appraisal scheduled by the bank as a drive by never happened. Apparently could not find my house. After another week's delay second was scheduled. Eventually second occurred and loan agent called to let me know loan package was with underwriters."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8f144ca6db44476ad0df321fd855f6e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with BOA for a little over a year. I have two business accounts with this bank with merchant services for credit card transactions. In that time I have had a number of questionable holds put on my deposits. Usually the payments I deposit clear within 3-4 days. However, I deposited a payment \"check\" into my account last Friday, and on Monday I check my account to find that BOA had put a TWO WEEK HOLD on this payment. I go to three different branches to get clarity on the reason why this bank chooses to withhold my payments for services rendered. I got ZERO answers! This by the way is in the MB SC area. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0dc9da7da3494a07b18898f460a46d8d
encoding: FLOAT32
metadata:
{"chroma:document": "I have never experience something like this. I went to open an account and after I waited an hour everything was ready and the lady (July) said the bank close the account and is nothing to do to go to other bank. It was in MacArthur road Whitehall PA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa6ba63b52ac4f7cb30cfbb50ab101c5
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Bank of America customer for eight years and never had a negative experience until now. I identified several unauthorized/fraudulent transactions when reviewing my financial information in late October. I called Bank of America immediately and had my credit card replaced. Bank of America put a temporary credit to my account. Bank of America reversed the temporary credit on November 16, 2018. The electronic letter sent indicates that Bank of America reversed the temporary credit after determining that statements were mailed and payments were made."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 674f687d325346489be9ede961141835
encoding: FLOAT32
metadata:
{"chroma:document": "Customer since 2003 with several accounts and one account \u201ccould have gone negative by $1.70\u201d so they charged me $35 and refused to refund it even as a courtesy stating it\u2019s bank policy. Account never went negative. I\u2019ll be transferring my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93fd69a1c90b4260a1b4a98a14302b1d
encoding: FLOAT32
metadata:
{"chroma:document": "I have a lot of money with BOA. I am pulling it out tomorrow. They keep locking up my debit card without allowing me to confirm my purchases via email or text. Forcing me to call the number and stay on hold for hours. They owe me thousands in time they have stolen. Money will be taken out tomorrow. I HATE BOA!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e41e008b4ba4117bb49b875e02fc1de
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America closed my credit card for lack of activity. 4500 dollar limit and a zero balance. It was closed because I didn\u2019t spend \u201cenough\u201d. This company is a bad joke and is going to negatively affect my credit for closing a zero balance card paid on time. They\u2019re disgusting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b2112928bf54a4f875e0fe03b96c4ab
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a B of A customer for way over 20 years. My wallet was stolen and they refuse to pay me back the $243.00 that the person took out of the ATM even though there are 2 videos of the person that stole it. One at the grocery store and the other at the ATM. Reason? They said I authorized it!!! I am leaving B of A as they are crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9f805b0d8fe4165a87195e74ef7d1ea
encoding: FLOAT32
metadata:
{"chroma:document": "I went to Bank of America this evening to deposit & get cash from a check. Teller advises me to put it in the ATM & take out what I need in cash & deposit the rest. SURPRISE! Now facing a TWELVE DAY HOLD. SO UPSET."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64bd3faf03004b4c8fbda955d0969666
encoding: FLOAT32
metadata:
{"chroma:document": "This business traps people into making poor financial decision and makes it impossible to correctly pay so that they can mound up fees. They have terrible customer service, policies, website and app. There is nothing good about BOA. Literally nothing. Not even the free money they gave me for signing up is worth the constant frustration bordering on nausea."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06433694285e44a39172a054a1caa819
encoding: FLOAT32
metadata:
{"chroma:document": "My computer was blocked by a so-called company and to get it unblocked I had to call this number that they had on the screen. I did this and they wanted $319.99 to unblock it. Which I did, they had problems trying to get my computer working. I asked for a refund which they wouldn't do. After a period of time and they couldn't fix my computer. They even lost all my emails which they couldn't get back. I then called Microsoft and they told me to call the Federal Trade Commission which I did and Microsoft proceeded to fix my computer in a few hours and even got my emails back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a27a0acdc8d6427894a52ec55f58d53a
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Bank of America credit card in 1996 and received it promptly, then began using it. All went well for more than 20 years of sporadic use and always -prompt payment. In the summer of 2018, I received a letter demanding information about myself, my wife (who had her own card), and our professions and sources of income. BoA demanded to know if I had citizenship in both USA and another country. If so, which country? BoA insisted on knowing my wife's date of birth. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c62cb0d94ba49eb8584c02c43922ca4
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America is definitely one of the worst banks out there. They charged me 35 dollars in overdraft fees although my account was never overdrawn. Their new practice is charging you ridiculous high fees but never actually overdrawing your account so that you end up paying fees to both Bank of America and the merchant. I put money in my account right away but still they refused to reimburse me the 35 dollar fee. They are just a bunch of crooks. I will close my account with them as soon as I can pay down my credit card debt."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9188e489395341ec921007d86048cf67
encoding: FLOAT32
metadata:
{"chroma:document": "Long story short, I'm in the military, my money went to a nonexistent account with Bank of America. I've been told three different stories as to where that money went. Bank of America is calling itself a liar every time I call. I can't speak to anyone who knows what's happening at Bank of America. I'm sick of being lied to, and I'm sick of hearing apologies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17d083b46c2047129c75d693c261ed34
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America has screwed me several times with their $35 return fees. I am very diligent to ensure I have deposits coming in to clear any payments that go out. They have let payments clear before deposits clear more times than I can count so they can charge me. I had a deposit clear at midnight and issued a check that would clear the same night with the deposit. They allowed the check to clear before the deposit and charged me a $70 fee. This is not the first time they have manipulated what clears first in order to charge fees even when the funds are there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f811a848eaa4286b28ebc7d642e4cc8
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America has come up with a new way to rob me of money. Here's how it goes. I deposit a check that should clear the next business day or funds will be available to cover any debits that come in the next day. Well it becomes available and items are paid the day they come in and money is available. Then all of a sudden the funds from the check are made not available and the paid items are reversed causing your items to bounce and anything else in my case account becomes negative. Stuff bounces and they charge overdraft fees when the money was clearly made available. This has happened a few times. The first time they corrected it. This time they have not. I'm going to report them and close my account with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03b6fdc9f3ae4c6290bffb021a8d5853
encoding: FLOAT32
metadata:
{"chroma:document": "I wrote a check for $30.00 (clearly written out for thirty dollars) and Bank of America posted it for $50.00. When I spoke to the claims department and customer service, I was told that I would have to wait for them to review my claim and then wait another 5 to 10 business days to have the money returned into my account. I do not understand why I would have to wait for the money to be returned to my account when it clearly was Bank of America's mistake. I have banked with them for over 30 years and have NEVER had an experience like I did this morning. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65104f5b558748c98ea8eecc553e2daf
encoding: FLOAT32
metadata:
{"chroma:document": "First off it already started off bad when I got them (should have been a red flag). They didn't tell me the PIN and card are sent separately. I confirmed that this is not stated anywhere on their website, email or even on the mail itself. I called and the rep confirmed this and also said he got quite a few calls about this so they know it's an issue but still haven't fixed it. The second major thing is they are impossible to get a hold of! It's a 30 min wait to speak to someone and there is no way to chat with an agent online anywhere or email them. It's ridiculous. I was trying to dispute a charge that was taken out of $300 and they said you can do it on a desktop. I spent so much time on the desktop and app and nowhere did I find this and I couldn't even get in touch with anyone to help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13017b50024741958fccb7d8b69e82f1
encoding: FLOAT32
metadata:
{"chroma:document": "I was first married at age 18 and we opened a checking account with B of A. My last name was ** then, and the bank confused us with another ** family. They returned a month's worth of checks and charged us overdraft fees we couldn't afford. We left B of A without ever receiving help with their mistake. Older and theoretically wiser, later in my life, I had a B of A credit card. My credit was perfect. But B of A once again confused me with another woman (I had a different last name this time) and I ended up with seven hundred dollars in bank charges that weren't mine. This time I fought the mess, and I still lost money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55d6e8891ea241c0a96e0540c388b34b
encoding: FLOAT32
metadata:
{"chroma:document": "I order a Online Bill Payment from my Bank of America account, supplying the address of the vendor, and BA decided instead to send an ACH payment, to an account that the vendor acknowledges not owning. So 4 weeks after the funds were credited from my account, the vendor has not yet been paid AND BANK OF AMERICA REFUSES TO RETURN MY MONEY. We sure need federal legislation that protects us consumers from this type of malfeasance from our financial institutions. I may have to take BA to court over this (after I close my account, of course)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d277d6ae57743aea2b7923060828598
encoding: FLOAT32
metadata:
{"chroma:document": "My bill pays scheduled on the first - there can be small variances based on the day of the week - however in November. All of my bills scheduled for the first ended up clearing on the 8th - I should have been checking my account. However I thought the bills cleared in the first few days. So I went overdrawn by an amount under $10 and charged a $35 fee. This appears deliberate and predatory in my opinion. If it is happening to me it probably is happening to others as well. No too pleased."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0323cd65fd74ce59b8ee08884bebf8c
encoding: FLOAT32
metadata:
{"chroma:document": "Spoke with a trained sales person who promised to stay with the transaction; zero response to voicemail and email after processing the application. The rest of the process is more horrid. Inept and totally unresponsive loan processor. I wondered if she works 10 hours a week. No response to vm and no email. Her manager was even worse. He was happy for me to withdrawn my application at the first complaint. Bank of America - the stuff at the bottom smells because the leadership stinks at the top of this group. The entire group should take classes in customer care or learn a few lessons from Amazon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af9b7db5924f407e9cf647b5db33f412
encoding: FLOAT32
metadata:
{"chroma:document": "On 11/2 someone in another country got access to my bank account and withdrew my money while I was in my home state of AR and now the bank is making me fight tooth and nail to get my money back! I offered the day I put the claim in to send proof I was at work and I even went into my local branch that day and made a withdrawal by counter as I had closed out my debit card due to the fraud. They assured me I would have my money in 2 business days and now 5 business days later they are saying they are still researching the issue!!! What is there to research? It is shown very clearly that I wasnt in Mexico!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 300c74cfa44f40d0af6b9dd573f99018
encoding: FLOAT32
metadata:
{"chroma:document": "In May 2018, I opened a BofA business checking and merchant services account, in part 'cause the bank rep told me we would qualify for a $300 credit if we did one of 3 things, such as $5000 in deposits within 60 days, and a $200 credit if we did $1000 thru merchant services. She showed me printed literature, but did not allow me to take it with me. I knew I would meet the $5000 deposit requirement easily, and did, soon after opening the account. The merchant services qualification process was ridiculously onerous, so I discontinued that and kept on using Square, PayPal, Stripe, etc. After the 60 days passed and no deposit of $300, I called to find out the status. A rep investigated and said we had qualified, but BofA might take until Nov 1 to apply the credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fce3282f69bb41a7bf43a3d52a556d6a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Bank of America over 25 years and they continue to change the rules and find ways to implement maintenance fees on the account. I had eline account that they switched to a core checking account. Once it was changed over then if incurred a maintenance fee of $12 a month unless there was a daily balance of $1,500 dollars in the account or a direct deposit of $500 a month. This was not intended to be a checking account. Just a place I could utilized as a PayPal account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fea442a51b042c390cd52c845e71d44
encoding: FLOAT32
metadata:
{"chroma:document": "I consider myself a very loyal consumer. I weigh the good and the bad, and usually blame myself for issues. I was a personal client, so opened my new business accounts there. Bad, bad idea. They hold your money hostage and couldn\u2019t care less that they are ruining your business and credit. For example, I would deposit a check for $20,000. I\u2019d get a deposit slip that said it would clear in three days. Then on the third day, they\u2019d list that it would credit in another ten days. No one can say why, and one person even told me to call my client and see if it had cleared their bank. In that case, it was transferred three minutes after the deposit was made. Still, I didn\u2019t receive money until the ten days had lapsed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1aba9cc727bc44f79e0b96aaedb4bd3e
encoding: FLOAT32
metadata:
{"chroma:document": "I got my fixed rate mortgage from them in 2016 - the monthly rate was $530.00 - they have raised the rate twice now to $774.00 a month. When I questioned them they told me this was due to an \"error\" they made when I bought the house but I HAVE TO PAY THE HIGHER RATE NOW - SERIOUSLY? WTF?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 050da2338ce34358b3d6be4bc3cd00e1
encoding: FLOAT32
metadata:
{"chroma:document": "I recently received a $12.00 refund check from Bank of America. I closed this account about a year ago. The accompanying paperwork said, \u201cDuring a recent review, we found you may have been charged one or more fees in error.\u201d I can\u2019t find any information on the internet about this and wanted to know if anyone has information about this? I don\u2019t feel comfortable cashing this check because I don\u2019t know what happened, what the charges were, or how many charges were levied \u201cin error\u201d. Any help is appreciated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39859d70e12a4432bb443715ba3f48d6
encoding: FLOAT32
metadata:
{"chroma:document": "In 2017 I mailed a property tax check on April 10th. Came back home and decided to log in to BOA account to transfer 6500 from savings to checking. As I did that I came to know I can't do it myself because my account is inactive (no activity for 2 years). This was shocker for me because I NEVER received any such letter from BOA. What an irresponsible bank!! I have bank accounts in 10 different banks and if I had no activity for 2 years I DO GET A MAIL to take an action."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83d43d20f83542b5afbb5d87d1b111a5
encoding: FLOAT32
metadata:
{"chroma:document": "Recently purchased an item using BOFA cc. I have been a client for over 35 yrs. Item was delivered in bad condition so I had company issue a refund to my cc. I had already paid off my cc so the balance was 0 and I had a positive balance on my cc. I called BOFA CS who assured me I could move the positive balance from my BOFA cc to checking account which I did. However, they never mentioned that they would charge me a fee to access my own money. Will stop using my BOFA cc and will begin to look for a new bank. BOFA are a bunch of thieves and their CS is atrocious."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9033ed015d2d4d9cbf348297680623d8
encoding: FLOAT32
metadata:
{"chroma:document": "Credit card payments had come out of my account days after I had paid them putting me overdrawn. After that they let two more payments come out and charged $35 fee per overdraw. I called. Spoke to a few people one supervisor. I have no issue paying maybe one fee but they refused to knock off others. The total in fees was double what I had overdrawn putting fees alone at $105. Never in my life has a bank not helped out with that, life happens, timing can be wrong etc. But this is with the account never overdrawn since I had open it. Customer service is a joke. Closing immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb6495e774124fe99deb9b7c37ad5b9f
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited a check for $8500 on the 23rd of this month and they would not release the funds for some reason. I talked to 5 customer service reps and they won't help me!! I was on hold for 90 min!!!! The supervisor from SC said, \"I truly understand the situation.\" She does not understand anything. It is my money. I WILL BE LEAVING THE BANK ME AND MY FAMILY, this is the worst Bank on this planet, the worst customer service, the worst treatment in the banking centers. They try to save money on my **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1eb0066ebf9147f7a56917d1222d8c13
encoding: FLOAT32
metadata:
{"chroma:document": "I recently got charged 140.00 due to a disputed charge, on which Bank of America never sent me the proper documents, twice I may add, then to add insult to injury, they charged me for it? I politely asked since the error was on their end can I be compensated and Daniele ** told me that this is the policy and there\u2019s nothing we can do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3774ba001efa47b3bfaf3e87614f7476
encoding: FLOAT32
metadata:
{"chroma:document": "My college age son, who just opened an account with BofA less than a year ago was charged $70.00. Two fees that were assessed. One was because he forgot to cancel his Amazon Prime charge that he stated he cancelled and the other was for a couple of dollars that overdrew his account. I called them, when I found out as I had transferred money into his account for food (he is away at college). I was informed by a BofA customer service rep that he had to call in and that they would do a courtesy reversal. He is a new bank user and had never overdrawn his account before."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e30ab934e784f378ac4d17e14dbf2f8
encoding: FLOAT32
metadata:
{"chroma:document": "After dealing with terrible customer service for almost ten years, including multiple representatives swearing at me and BoA refusing to protect my account from a fraudulent transaction (and then mailing the report to the fraudster's address instead of mine), I decided to close my account. I asked them to close my account and transfer the balance to my external bank account with PNC. They refused to do so, stating that they could not close my account because it was my only remaining BoA account. They zeroed the balance on my account without explanation and told me I would need to pay penalties if the balance remained at zero. Despite multiple calls to customer service, they refused to explain why they zeroed my balance, and there is no transaction listed on my account that explains why the balance became zero overnight."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05d9638f810a4638b0dd6339e11d8822
encoding: FLOAT32
metadata:
{"chroma:document": "I became a victim of fraudulent activity October 12th from an unknown person that gained access to my account and did Zelle transactions. Here's how it began, I received an email stating I need to update my contact information with BOA, so I print off the email and went to the local branch. When I arrived the banker advised me that the email wasn't from them and gave me an email to report it to forward it to their team that research/investigate scam emails. The banker then thought it was a good idea (as did I) to get another bank card being that I have been with them for 23 YEARS and to change pin number. This happened at 1:30pm, I then went to the ATM to activate the temporary card. The time is now 1:33 pm. I then went back to work. Then beginning at 2:30-2:45 I continued to get emails asking me to confirm a Zelle transaction, well I didn't because I never have used Zelle nor was I even aware of what it was. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6467e6e72ba140f99e489316d7d6a7c6
encoding: FLOAT32
metadata:
{"chroma:document": "I just recently closed my account for several reasons. First is I filed 2 claims because my debit card was double charged twice and initially both times they reimbursed my money but after about 2 months they took it back saying that I lost the claim. The other big reason me, my wife, and my parents closed our accounts are because of all the ridiculous random charges. Unless you want to spend around $30 a month in ridiculous fees DO NOT use this bank. I\u2019ve only ever had horrible experiences with them, this bank is a joke!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d58436a09d648aab0def096eed5e232
encoding: FLOAT32
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{"chroma:document": "We've been banking with BOFA for more than three years. Recently, the branch of Foster City, CA has been remodeled and some new faces shows up after. This relationship manager Sim ** is a VERY unqualified staff. Has provide no service other than just wasting business client's time by having us sitting on the couch for nothing. And this happened four times in three weeks. Just curious how is such large bank like BOFA have such unqualified staff working there. Disappointing and really consider to bank with other banks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7adb85816cc543ce94a3f5f6a9e7f101
encoding: FLOAT32
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{"chroma:document": "My account was recently closed. They sent me a list of reasons why but they was inaccurate and every reason was false. The bottom line when I got off the phone with a manager after waiting 45 mins to speak with him was you don\u2019t use it enough, we can\u2019t make money unless you use it. Supposedly there's only so much credit they can offer and when someone don\u2019t use their card often they get closed without prior notice where they can offer it to someone else in hope that they will spend more than me. The account was opened 3 yrs ago and I\u2019ve never been late on a payment and paid it off every month keeping a zero balance and for that loyalty my account gets closed because I did have enough transactions. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd66574fc9404f7cbd1e7ebe43c1bc1d
encoding: FLOAT32
metadata:
{"chroma:document": "I have the worst stressful time banking with this bank. When other company refund you money right away, they hold it for 5 days, cause customers being late on payments, who have my money for 5 days when I need it now? And they say they can't do anything, they just let computers and robots do all the job, when the representative have knowledge at what they doing. Then they have my payment rejected from credit card I made, I have enough money to cover the charges, why they deny my payment, now I have to pay late fee??? At bank branches, they so lazy, they always make up stuff, like \"we can only do one transaction, we can't cash checks from business account, we can't do anything you need basically,\" then why do I need this stupid bank that only takes and never shows appreciation for me even banking with them. I am taking my money out today, closing account and please don't let anyone bank with them liars and thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 752a89fbe2a249cf849be6f091950451
encoding: FLOAT32
metadata:
{"chroma:document": "Bank Of America repeatedly charged monthly maintenance fees on a e-banking account that were unjustified. Several times in the past 5 years they would start assessing fees and I would have to spend hours on the phone to have the fees removed. The last time this happened I informed BOA that this is unacceptable. They responded with a final fix, a note and fee waiver was placed on the account to make sure it did not happen again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8223bf7f41574fbcba8f0e5f0ce82721
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away at all costs. Unless you want someone from here to tell you that your money is actually not your money... and then charge you crazy fees that are 'non-reversible' lol. This company is a joke. Don't believe me? Just ask all the other victims of this company. I tried to warn yaaa ;). Also, don't fall for their 'promotional' SCAMS. You will not get your money even after doing everything their company requested of you. They will proceed to tell you that you are 'ineligible' after waiting 6 months for this money. No desire to help either. They just calmly repeat the same BS excuse over and over until you get so fed up, the hassle isn't even worth it anymore. Shame on this company. And shame on KATEIRA (manager) for not being willing to help at all with my concerns."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d74213b5a5d41a3896caccee25a38b3
encoding: FLOAT32
metadata:
{"chroma:document": "My 65 year old parents have been B of A customers for over 50 years. The never had or experience any previous issues with the bank until they went the 403 E Bidwell St, Folsom CA branch last September to do a basic transaction, when an arrogant and racist employee who claim to be the manager but would not identify himself, unwarrantedly inject himself in a conversation my dad was having with a young and inexperienced teller. He proceed to threaten my dad with arrest if he ever comes back to the bank. That ignorant and unprofessional manager was later identified as Henry **, a person with an extensive history of racially profiling ** as thieves and fraudsters."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b456b4fc62d4dce9ebb3d2d5fbef4ac
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America closed my credit card account for absolutely no reason at all. My husband and I were never late on a payment, not even once. I went into the local Bank of America branch, near me, to just pay off my balance and the next thing I know, 3 days later, I tried to login to my online account and it stated it was nonexistent. I called them and after the 30 minute wait I was informed they closed my account and would be getting a letter in the mail as to why. I just got my letter and apparently I don't use my card enough for their liking. I am so upset I could cry. Crooked, crooked, crooked company! You people are horrible beyond words. I needed that card and y'all screwed us over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7db95320f7114da29e5b68aa6f62f30c
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank so far from my 23 years banking in the US. On every check deposit the crooked To Big to Fail puts 10 days hold - no matter what check you are cashing, even on a money order. Also it won\u2019t let you have any portion of the deposit available right away - only after 10 days. Also when you make online payment it has a minimum 2 days hold - meaning they take money off your account right away but will start a payment process only after 2 business days, what ends up as 4 days before your money being delivered even to major credit cards company. Horrible customer service in South Carolina - they are as dumb as it could get."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 257bdbe3201b4d28a4f08996a17b17e5
encoding: FLOAT32
metadata:
{"chroma:document": "Somebody stole over 1,100 from my wife\u2019s account. After three days of calling they claim it can take up to 90 days to have an answer on our claim. Whoever stole our money did it in two different states at the same time. How is this our fault? BOA claims that we are loyal customers, why can\u2019t they be loyal back and give us a temporary credit to pay bills?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18c3bc7762ed49febbfefbb1492e9412
encoding: FLOAT32
metadata:
{"chroma:document": "It seems every time we deposit checks there's always a hold on them, therefore we have to wait 2-3 days to have access to our money. We've gotten used to the whole \"any check over $200\" the difference being held but today we deposited $350 and they are holding $230 because \"the check might be returned\". Called Customer Service because you can NEVER get the local branch on the phone and as par for the course they had no idea why but were happy to let me know funds would be available in 2-3 days, like they are doing me some big favor. My husband has a home repair service and we deposit from these customers all the time. We are in the process of moving and needed this money. I'm about to tell BOA what they can do with their 2-3 day fund availability."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2279c8290b44a83a4df8072e0979653
encoding: FLOAT32
metadata:
{"chroma:document": "I bank at TowneBank but had a check from work from which I wanted the cash immediately & had no problem with a $8 or $10 fee for the convenience (or so I thought) of saving time on a lunch break with a coworker who was making a deposit at B of A. I knew there was a fee and had no issue with that but I take issue with the interrogation that was performed upon me. The teller asked if I had an account there, totally fair. The teller then asked if I knew there was a fee, also fair to ask. Then he asked where did I bank, if I work at the place on the check and continued about to ask yet another probing question despite him having my driver's license and a check written on his bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbbbebc7fb4b4c2b81b2217eee569111
encoding: FLOAT32
metadata:
{"chroma:document": "I originally opened a BofA account to transfer all my funds from Wells Fargo as there are no branches in Boston. When I applied for a credit card right after opening a checkings/savings account I was told I was declined and that I could open one if I paid an initial fee of $40 (on a non-fee credit card). When I accepted I was then told that actually it would also be a prepaid card with a credit limit determined by how much I prepaid it with. I declined. This was a surprise as my FICO score has always ranged between 790 and 830. When I investigated the reasons for this, I found that BofA had ran 3 hard inquiries on my credit which dropped my FICO score to 700. (This increased to 790 the next month.) My banker was Samragnee **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b3a379feeec4484ad2431ec1cdeac67
encoding: FLOAT32
metadata:
{"chroma:document": "I have 3 checking accounts with BofA. I've been with them for 19 years, credit cards, mortgages etc. They placed 2 of my checking accounts on hold 3 years ago. I've called numerous times, and had been by the branch to have the holds lifted. Could never get a reason why, much less got the holds lifted. Now that they've drained both accounts charging 25 dollar maintenance fees every month on both accounts for the past 3 years, they're now telling me I can go by a branch to shut them down. It's only because both accounts are below $25 bucks!!! And there's no more money they can pull from them. That's over 2k in taken money!!! Now they're saying you must of had a co-owner on the accounts (must have)... get the facts straight; no one knows why, but I think they should reimburse me for the funds that have been taken from these accounts I had absolutely no access to!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b4bbf3f66194a5e91e11085198c7d36
encoding: FLOAT32
metadata:
{"chroma:document": "They will not assist you over the phone - a continuous loop of pushing their mobile app. They 'want' your business but not if it will take one minute of their actual time to assist you! I will now have to go to a branch, which is not conveniently located, nor do I have the time to spare; and spend, I am sure a ridiculous amount of time waiting there for someone to get around to assisting me. And don't have great expectations for much help there. Likely will end up closing out my savings, canceling the credit card and closing the checking as soon as all outstanding checks clear. I really do EXPECT customer service... Fed up with this mess! Really a two hour wait time for assistance! That is only another way of saying, \"We will not be helping you!\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1da34c10bdb845378f0edf248ad4a69a
encoding: FLOAT32
metadata:
{"chroma:document": "I am sick and tired of banks doing shady stuff. Over a period of two or three days I was charged $257 worth of fees. 5 of which were \u201cnon excepts\u201d where I was charged the price of an overdraft to literally just decline the card. It\u2019s appalling that they give no option to just not let the account overdraw. It\u2019s a scam and straight up highway robbery. It\u2019s really like they just went in and stole money from my account under the guise of helping me. Not to mention when I was on the phone with them they transferred me to four different departments that had no idea what to do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cae762b49a6a441985668e8f3bd4e2a5
encoding: FLOAT32
metadata:
{"chroma:document": "On September 28, 2018 I woke up to a text message about my account having fraudulent activities. Prior to this I had to keep changing my online password because it kept kicking me out. I called the 1-800 number that was given to me and filed a claim. A Zelle transaction was made which I didn't authorize at ALL. Drove 40 mins to the nearest bank to closed that account and open a new one with new debit cards. I couldn't open one because they had a freeze on my account and would not let me get the remaining money out of the account. I waited two weeks for them to tell me they denied my claim due to validation. Who validated? Jesus? Because I didn't send or authorize anybody or anything to come out me account to give to somebody 5 states away. "}


