Bank of America Mobile Banking Ratings and Reviews

Bank of America customers Services is horrible

I spoke with customer service about my account being charged a service fee of $25 a month since January 2021 and I found out after reviewing my account, customer service said that they could not remove or refund my money because I was no longer a gold tiered customer. I couldn’t understand why that was I’ve been with them since 1997 and never been charged a fee I asked to speak with a supervisor ID xsfny4 Kekia she was very rude and said no you don’t get a refund and why did your account go below $20,000”??? What happened?? Who ask this of someone about there money? Then I figured it out if you are below $20,000 then you dropped off as a gold member she just said we sent you an email on your bank account when I told her I never saw this notification she said we sent it so no refund goodbye. I will be moving my money out of this bank account, when I feel up to it. My health and money is my business, my account it’s not like it has no $ in it. I don’t want to be with an institution that forgot how important it’s customer are. I wanted on the phone for over a hour to have a short rude conversation with a supervisor.

Developer Response ,

We regret to hear that you are dissatisfied with the service experience at BofA. Within this app review section, we are here to assist with your mobile app related needs and functionality. We are sorry about your experience. Please let us know if there is anything we can help within the app. -Leigh

Mediocre

The app is not greatly designed and isn't as easy to navigate as other banking and credit card apps. Erica is beyond annoying and hardly ever helpful - except when I'm trying to find a feature that has been hidden away (like changing alerts) then it will take me to the screen I need. But the screen I need should just be easy to find in the first place. Even though I've turned off every alert for Erica, it still gives me a little notification light when I log in that I either have to live with or click on Erica to get rid of. I've also had issues with perpetual mobile notification alerts that never go away. I've tried searching everywhere in the app for some message, update, insight, something... even deleting and reinstalling the app multiple times and the notification comes back on my phone when the app is redownloaded.
I also really wish I didn't get notification to "pay a bill" when the account is a zero balance. It gives me a minor heart attack every time when I don't use the card, and then I get my "YOUR BILL IS DUE" alert, to frantically log in and see it's a "$0 bill statement" that I have to mark as paid. No other card I have with an app does this.
I only use BOFA when I absolutely need to - if my Discover card isn't accepted at an establishment. And I'm probably going to look into switching from BOFA to Chase.

Deceptive and predatory BOA practices

I just want to pay my mortgage. Who would’ve known this was such a monumental, circuitous, dangerous, and deceptive path! But, apparently Bank of America makes this so by the business practices that they employ. I know a large mortgage will hit on the X. So on that day, I cash app transfer over the amount needed for that mortgage bill. However, BOA always seems to hold this particular cash app deposit (others are applied instantly), until my mortgage bank asks for the mortgage payment. Of course, it gets denied… With my mortgage bank request, and BOA’s denial disappearing from the account as if it never happened. Of course you won’t know that until you hit with either late fee or worse… A big hit on your credit score.. this has happened too many times for me to believe it was a flute… But it is it something done purposely by BOA. If I wanted to find out how many times this actually happened… Meaning, how many times my mortgage bank requested the payment and Bank of America denied it because of whatever reason, including insufficient funds… I will never never be able to find that my Bank of America online account or the statements that I received. It is quietly rejected and removed from the account… Almost secretly, as if it never happened… But it did happen… Very most indeed did… With repercussions… That Bank of America apparently cares nothing about insensitively nothing about it that they delete it from existence.

Bank of America Ratings

For the most part I like working with Bank of America - especially on-line. However, I was raised in a banking family where customer service was HIGHLY important. That was one of the things that drew me to B of A a number of years ago, and THAT is the one thing that makes me consider leaving B of A.
Through the banks focus on the almighty dollar and their lack of concern for their patrons, they have closed the only two B of A banking facilities in our town of Prescott, forcing us to drive to the neighboring community of Prescott Valley if we need personal service. This can be highly frustrating and inconvenient, especially if the need is immediate. AND, appointments have to be made if you want to access your safe deposit box. Again, HIGHLY inconvenient and unsettling as no one is at the bank in charge of that vault.
B of A seems to have forgotten that it’s Joe Q Public that entrusted the bank with the care of their personal monies, documents and wealth. If all of the individual patrons would move their accounts elsewhere, B of A would be significantly hurt. B of A has significant resources, but your so called greatness originated with the individual patrons. It would be wise to treat your patrons well as we can go elsewhere. I hope you’ve heard of the Biblical “David and Goliath”; that can happen to you, too, unless you treat others well.

Developer Response ,

Hello, we regret to hear that you are dissatisfied with the service experience at BofA. Within this app review section, we are here to assist with your mobile app related needs and functionality. If there is anything we can ever help you with within the app, please let us know. Thanks for the review! -Leigh

The Beginning by, Me.

When I finally received my I-Phone, it was time to try banking on line. I downloaded this app & began a totally new adventure. As time provides, I’ve been slowly delving into what I thought would be an amazing experience where banking and bill pay would become easily completed with minimal effort. Wrong, not entirely true. At this point I am frustrated. To simply pay my bills every month, without fumbles, less stress and time, I find out from ALL options, I’m not able to do online banking to pay aforementioned bills because I don’t have the necessary accounts available to do so. I have checking, savings and a fairly healthy CD.....I wonder, why can’t I bank online? Why does it say I’m unable to use this app for online banking because I haven’t the accounts to do so? Huh? What? I’m so confused! I can’t locate the forms I need either....I want to be sure when I pass, my daughter receives all my monies from these “Appropriately Established” accounts! I’ve called 3 times to have the forms mailed to me...to no avail and I’m unable to pay my bills online. I’m disabled, hooked up to oxygen, unable to go into the bank as I mentioned when I called. I was told to open online banking that that would help me handle everything from home. If I figure it out one day, you’ll receive the 5th star. Take care my friend.

Painfully slow to open

I don’t know what’s wrong with the BofA IT department or equipment, but this app has become painfully slow to open, if you can get it to open at all. I have no other programs that are as difficult or slow to open as this one. Didn’t used to be that way.

While loading speed has improved, now I can’t get the app to work with Series 3 Apple Watch. Have spent long periods with Apple and B of A trying to solve the problem. Have re-started and re-synced everything multiple times. A Google search shows that’s I am not the only one with this problem. Every time I click on B off A logo on watch, it says go to B off A app and authorize the watch. I have done this multiple times. I continue to get the same message. The app does not seem to save the authorization, as every time you go back to the authorization page it asks you to agree again. The app says you can use your watch but it doesn’t seem to communicate that to B of A’s system.

Update: This app is still buggy. It actually worked for a while, then just stopped working. I restarted watch, reloaded app, both on phone and watch, then app tells me congratulations I can use app on my watch, but watch says to start by going to app and agreeing to terms, which I have done countless times. BofA needs to fire their app developers and hire new ones. I have had no other problems with other apps on my phone.

Developer Response ,

Hello, to clarify it works on your phone but not your watch? -Ashlyn

Limited functionality compared to other banks

The app does most of basic functions you need. The reason why I give it one stars is it assumes you do most of your banking here. They purposefully withheld transferring functions to outside financial institutions because Bank of America would rather make it more difficult for you to move your money out. Given you can do so on a desktop, but why make it more difficult? It’s meant to discourage you from transferring your money out because they’d want you to keep all your money inside one bank. They also now took away the function to pay with your external accounts on the app to make it more difficult and the solution? Simply bank with Bank of America exclusively. That’s just stingy and greedy tactics. Given you can use Erica(their mobile assistant) to pay from your external institutions or the desktop to do so, but why? Purposefully limiting functions leads to a poor client experience and would lead to clients switching banks. Wells and Chase do not try to hamper you from transferring your own funds to your other bank accounts it still blows my mind the only way to transfer between your accounts on the app requires you to use Zelle or the desktop to do so. This was the only bank that previously used to charge a fee to initiate an ach transfer in order to discourage money leaving Bank of America but these new tactics are still underhanded and frustrating to work with.

Email/Text Alerts don’t always work!

I am a person who likes to be alerted whenever there is a charge on my credit card even when I might be expecting it. However, after several calls and complaints to Bank of America about this issue, I still do not get the text and email alerts on a regular basis. I had a recent $2000 charge on my credit card which fortunately I expected. But neither the text or email alerts came through even after confirming that I had them properly set up! When I contacted Bank of America about this they said they would have someone look into it and contact me. I even submitted a support ticket but no one ever called me to resolve it properly so I am now anxious that I am missing alerts about new charges. The other issue is that I no longer get credit card payment due date reminders emailed to me. They have confirmed that I have my alerts set up properly but they still don’t know why I’m not getting these. This is just frustrating and does not instill me with confidence in this company.

— My response to developer: This is inconsistent and not just a text notification issue. The alerts have been set up from the BofA website not the phone. So not sure why the app has anything to do with this. Also, reinstalling the app did not help. This is also an email alert issue not just a text issue. This points to a BofA system problem since email alerts are not phone dependent.

Developer Response ,

Sorry our suggestion didn't assist with the problem. Within this app review section, we are here to assist with your mobile app related needs and functionality. To help with this problem I would suggest giving us a call at 1800-432-1000. Let us know if we can ever assist with our app in any way! -Leigh

Horrible Service & incompetent management of policies.

What a joke of a banking experience. NOTHING positive to say about my experience. Been a member since high school, am now 26 years old. Have been charged $12 from both my accounts each month, even though students are not supposed to be charged with this fee according to the Carmel branch location. Management said they would be unable to make corrections to this mistake & it was my fault. The account was made when I was in high school, so I highly doubt that improper charges due to your incompetence would hold up anywhere besides the walls of your corrupt institution. Additionally, I was in a car accident & spoke to a boa agent explaining that I was unable to work until my collarbone healed. 4 months later after paying my credit account below it’s limit by 25%, to my surprise my account was closed down. I have since fully payed off the balance. Account was removed from my profile & then brought back with another $12 & change charge to pay off, which I have since done just to rid myself of this corrupt institution. Closed both my accounts today & was told I may have other charges that will be mailed to me. Oh well! If it means never having to deal with your incompetent institution then so be it! Customer service was a complete joke! I will never bank here again after hearing about my family & friends having better experiences at many other banks.

So there’s no explanation for this.

I filed a claim with the fraud department because my card was used without my knowledge. It was some Video Service and I thought it was my car payment so I didn’t file a dispute for a month or so. Until my car dealership called me and said I was a month behind. That’s when I found this charge on my account from this Video editing service for 357$ and some odd cents. So I called BOA and filed a dispute. At which time they found another charge by the same company. Needless to say they put the funds back in my account and started a claim. Several weeks went by and they took the money back. Leaving my account in horrible shape. 670$ negative to be exact. Now my unemployment finally went through and I received my first payment which was 166$ and they took it for this negative balance. I’m still 476$ negative and there’s more unemployment coming. BOA really did this to me. Anyways, for the record those are not my charges and I don’t know where they came from. And the icing on the cake was when they told me the reason they denied the claim was because of the amount of time I had waited before notifying them. Once again, I notified you as soon as my car dealership Called and told me I was late on my payment.

Developer Response ,

Hi, we are sorry to hear about your disappointing experience. However, within this app review section, we are here to assist with your mobile app related needs and functionality. The best approach for this is to use Speak with a specialist from the app. Once signed in, select the card account in question and scroll to the very bottom and select Speak with a specialist. Then select the Dispute a charge or transaction intent and you will be connected with an appropriate agent for assistance. Let us know if we can ever assist with our app in any way! -Leigh