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.

I converted my canadian currency to USD and thought I will get close to what we see on yahoo finance or google finance but it was off by 8% thats huge for me. I tried to call BoA customer service but they gave BS of retail rate. I had bad experience in past as well with BoA closing my account asap.

Bank of America is the worst bank in america. They have a modification program that's a scam. They still rearrange transactions if your account is overdrawn to maximize their fee's.

Support the fight sign the petition at www.change.org/petitions/stop-the-financial-terrorists-bank-of-america-and-wells-fargo-from-ripping-off-americans

and email your stories to stop_the_financial_terrorists@outlook.com

My account was overdrawn by 10 cents. Bank of America charged me $35. Two customer service supervisors gave conflicting reasons for the charge. My account was in overdraft for $35.10.

Bank of America is practicing what they call the "Drop Off" which means that when you make a transaction that shows pending one day all of a sudden disappears a few days later giving you the false impression it had cleared and your reflecting balance is accurate when in fact it had not cleared and your balance is not accurate as the transaction was added back to your balance ( no record reflects this) yet hidden and left pending in BOA land. So without warning like magic it reappears on your statement deducting a second time from your balance which you thought was accurate after you made several transactions and transfers since the prior causing your balance to trigger an overdraft as it plummets below the previously thought accurate balance. Fortunately for me I was able to correct the balance by transferring funds in time to avoid any overdraft fees but still recieved the overdraft notice because of course it was my fault. which I am sure is why they practice the "Drop Off" maneuver so as to bleed the little guy dry. I tried to exsplain to BOA that there practice is faulty wrong and missleading as account balances can not be trusted. So unless you keep a written seperate log of your debit transactions fees are likely to follow. Of course they can not help if the merchant does not respond to the pending trans action in time so they simply must drop it off the acct until they do and around and around we go in this circular un ending diatribe. Of course these rules of theirs are well thought out by some one in a higher pay grade other than whom you are speaking with so it is fuetile to blame the parot. This has occured twice to me thus far so watch out for the "Drop Off" manuever and unless your from the planet BOA dont exspect them to understand your logic.

I've been banking with BofA for about 7 years or so and I have dealt with their shady practices, they have gone beyond reproach; they NOW charge OVERDRAFT FEES FOR A SAVINGS ACCOUNT, beware, you have been warned.

When I called the rep about this she tried to play it off by circumventing my actual question by saying "well there are some things that can cause overdraft fees to occur..yada yada yada" I told her, that I know that, but that this was new to SAVINGS ACCOUNT. I knew the BS lines so I just hung up. If you "transfer" beware that you may be charged an overdraft fee if your savings account is overdrawn by one cent.

ME:

Proud owner of an excellent credit history for over 30 years. I'm a BofA credit card holder who has never once been late with a payment to any creditor in over 30 years. (I pay my obligations)

CIRCUMSTANCES:

Poor returns from my business combined with my wife's ongoing chemotherapy and medical bills have caused a bind in our normal routine and have hampered our ability pay these obligations. HOWEVER WE STILL HAVE NOT BEEN LATE WITH ONE PAYMENT.

EXCELLENT CREDIT CARD COMPANIES:

Many credit card companies acknowledge what it means to do business with someone who pays their bills. Below is a list of my other CC's These companies have not raised our rates just because they can or because we have only payed the minimum due for the past 3 years.

Citi Bank rate 1.99% (fixed)

GM Card rate: 9.49%

Chase rate: 10.24%

Capital One 11.74%

American Express Optima 12.99%

Desert Schools 14.99%

MY PROBLEM WITH BofA:

Even after receiving my payments on time for years and being aware of our dire financial circumstances BofA has raised our rate to 27.99% (Just because they can)

Bank of "America" rate: 27.99%........note: America

CONCLUSION:

Who would you rather do business with?

B. Schader in AZ

Was happy with their customer service! But their online and phone support was not good, especially the automated computer voice which is frustrating!