Got a credit card from them fairly easily, even though I did not have a huge income. After my balance was high for a few months, it was paid in full so that the current balance was $0.00. The following day I was called by BoA to say that they are closing my account due to a "recent credit evaluation". I tried to explain that I have just paid off ALL 6 of my credit cards and that it would not show on my credit report, but they would not hear any of it. I even asked if I could request it be closed rather than they close it (apparently this is better on your credit report) and they would not even let me do that. What is the deal BoA? I pay off all my debt in hopes of improving my credit and you tell me I can't do business with you anymore? Then you try to make my credit report look even worse? Not acceptable!
Wait time is the longest of any other banks
Customer Service reps have left me waiting various times for up to 10 minutes (which is ridiculous in this tech age)
I get nowhere half the time and just give up on my rep and call back so I can get another rep to help
Reps have outdated web help
After putting up with more and more new fees showing up, typically without explanation or advance warning in understandable English, I have come to the conclusion that Bank of America only sees my company as their opportunity to pile on more fees so as to increase their profits. When I called yesterday to complain about the latest surprise on my small business statement, I got shoveled from one person who said he did not know to another person in another department who said that she did not know to another person who finally said he had specific knowledge that this new fee was being charged in error and he could help me with it as soon as he consulted with his manager while putting me on hold. The moment he put me on hold, the lousy Bank of America call system dropped the call AND HE DID NOT CALL ME BACK. After waiting 25 minutes I started the whole process over again but achieved no resolution for my issue. I DID LEARN THE FOLLOWING IMPORTANT OPERATING POLICY FOR THE BANK OF AMERICA CUSTOMER SERVICE CALL CENTERS: IF THE CALL GETS DROPPED, THE BofA PERSON IS PROHIBITED FROM CALLING ME BACK. HE/SHE HAS ZERO ABILITY TO ORIGINATE AN OUTBOUND CALL AND FURTHERMORE THE MOMENT MY CALL GOT DROPPED, HE WAS SWITCHED OVER TO A NEW IN-BOUND CALL FROM ANOTHER ABOUT-TO-BE-FRUSTRATED-AGAIN BofA CUSTOMER.
US Bank does not operate their call centers this way. That is where I am now taking my company business and I recommend that readers of this posting do likewise.