Consumer Action Guide
How to File a Complaint Against Bank of America
Step-by-step guide to filing formal complaints against Bank of America with federal agencies, the BBB, and your state attorney general. Your complaints create the paper trail regulators need.
Billing & Pricing
- !Overdraft fees charged on transactions posted out of chronological order to maximize fee revenue
- !Monthly maintenance fees applied despite meeting the minimum balance requirement at statement close
- !Wire transfer fees not disclosed upfront and exceeding the initially quoted amount
- !Credit card annual fee increases applied without adequate advance notice to cardholders
Service Quality
- !Mortgage application processing times exceeding 60 days with no status updates provided
- !Branch closures in underserved communities forcing customers to travel significant distances
- !Mobile check deposit holds lasting up to 10 business days on established accounts in good standing
Privacy Concerns
- !Customer financial data shared with marketing affiliates without granular opt-out controls
- !Account activity used for targeted product promotions without explicit consent
- !Data breach notifications sent weeks after the incident was discovered internally
Reliability Issues
- !Online banking and mobile app outages during the first business day of the month during peak bill-pay periods
- !Zelle transfers failing silently with funds debited but not received by the intended recipient
- !Automated fraud detection locking accounts for legitimate transactions with lengthy reactivation processes
- !Bill pay scheduled payments failing to process on the correct date causing late fees with payees
Customer Support
- !Phone support hold times exceeding one hour for basic account inquiries
- !Fraud department requiring in-branch visits for claims that could be handled remotely
- !Support representatives unable to access complete account history when handling disputes
How to File Your Complaint
Step 1 — Document Everything
Before filing any complaint, gather all evidence: screenshots of errors or charges, email correspondence with Bank of America support, receipts and billing statements, a detailed timeline of events, and any case or reference numbers from previous contacts. The stronger your documentation, the more seriously regulators take your complaint.
Step 2 — FTC (Federal Trade Commission)
Visit reportfraud.ftc.gov and select 'Banks & Lenders'. Describe the specific fee, charge, or deceptive practice with dates and dollar amounts.
Step 3 — CFPB (Consumer Financial Protection Bureau)
File at consumerfinance.gov/complaint under 'Checking or Savings Account', 'Credit Card', or 'Mortgage' depending on the product. CFPB is the primary regulator for banking complaints and Bank of America must respond within 15 days.
Step 4 — BBB (Better Business Bureau)
File with the BBB of Charlotte, NC (Bank of America's HQ jurisdiction) at bbb.org/complaints. Include your account type and reference numbers.
Step 5 — State Attorney General
Contact your state Attorney General's consumer protection or banking division. North Carolina residents file at ncdoj.gov. California residents file at oag.ca.gov.
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