After being passed around from person to person, after turning in document after document, often the same ones over and over, bank of america was unable to close a simple refi, not just once, but 2 times! WHY I gave them a second chance I cannot answer, I think I thought that as I was(yes, I will be closing all my accounts with them), what I considered(well, they did too), a premium customer, and as I had met what I though were all of their requirements, you can imagine my disappointment when they closed the application with very little or no explanation really as to why. While their people were (mostly) nice, they were ineffective and inefficient, wasting my time and money.

My Schwab broker recommended quicken loans. They work exclusively with them as a result of their high service level and customer satisfaction. I was a bit snobby and didn't think that I would like working with an online bank, but to be honest, can't think of the last time I walked into a bank branch. They're closing not just the primary refi, but also a rental property, and both in record time. And with half the paperwork, one primary contact who is professional and courteous and values my time and money, and is working with and for me to make this process as easy and pain free as possible. As I have talked to friends about this, many have a horror story about B of A. I have not heard one bad thing about Quicken, and hope to turn many people onto them - their service strategy puts them way above!

Customer BEWARE:

This bank will rip you off with all their hidden charges. I recently open an account hoping that I can easily cash my paycheck which is also from BofA but I was wrong. They charged me from using their teller and WORST they charged me $33 for so-called "overwithdrawal limit" on my savings account. I did not know and nobody told me that There is a number of times where I can withdraw or transfer my savings account. I am doing all my transactions online though. I am now on the process of transferring all my automatic payments to my Chase account and after that I will close my account to Bank of America and will never be their customer again.

This Bank do not deserve to have even a star in rating. there are other banks out there so please AVOID BANK OF AMERICA if you don't want headache.

There are NO banking centers in the state of Colorado. They are downsizing into a community bank. I was traveling and lost my debit card in the state of Colorado. NEVER AGAIN. I called Bank Of America's Customer service, and they was not able to wire me any money in an emergency situation. Not to mention I was put on hold countless times. The representative was very rude, and had no sympathy for me what so ever. They FAILED to take care of me. They beat around the bush, and they acted like my money was theirs. They failed to give me any of my money at all, or make suggestions about how to get it in an emergency situation. I was lied to because the supervisor told me that he could send me money through western union, and failed horribly to do so. I WOULD NOT RECOMMEND BANK OF AMERICA to anyone that travels a lot. They are inconsiderate and heartless toward people that really need money in emergency situations, and they are shutting down more banking centers as we speak. They are becoming less and less dependent for people and their money. Years ago I would have rated them high, but sadly things have changed for the worst for Bank Of America.

I was prompted to write this review after some infuriating experiences with other banks -- PNC Bank for my auto loan, and First Federal for my HSA account. I found myself saying the words "I never have this problem with Bank of America". I have my checking, savings, custodial savings, and a credit card with them. I have also had a car loan and a mortgage with them and I've never had a problem with any of them. They clearly invest in technology -- their online bill pay is fantastic and their ATMs are plentiful and incredibly user friendly. I had to short sell my last house because of divorce and the whole process was surprisingly gentle and straight forward. There may be other banks that are just as good, but I feel I've taken Bank of America for granted and may be a tad spoiled. I now expect to be able to use online banking for any type of loan (talking to you PNC), to be able to view complete transaction details and make quick payments online (still talking to you, PNC), to get replacements for expired cards mailed to me before they expire (that's you, First Federal), to have payments post when they are received, and to have technology that actually works -- like being able to change my address online and have it apply to all of my accounts. As long as those things remain the same there is no possibility of me changing banks.

I applied for a mortgage modification. It took more than 18 months to be processed. It was approved effective Nov. 2011. It has still NOT been completed even though it was effective 17 months ago. I have been in this process with them for nearly THREE years and it still isn't completed. Customer service has been terrible. They have requested the same information from me OVER AND OVER. Information coming from them has been incorrect many times. They have changed my Account Manager more than 6 times in 6 months so no one knows what is going on. I despise them and their unethical and unprofessional business practices. If I could get rid of my mortgage or change it to anyone else, I would do it immediately. Working with BOA has been my worst experience with ANY company in my entire life.