Share0
Tweet0
Share0
  • H
  • |
  • B
  • |
  • Bank of America Corporate Office: Headquarters, Phone & Complaints

Bank of America Corporate Office: Headquarters, Phone & Complaints 

🗨  Comments 

Bank of America’s corporate office is located at 100 North Tryon Street, Charlotte, NC 28255, and the corporate and investor-relations phone number is 1-704-386-5681. This is not the primary customer-service number for checking accounts, debit cards, credit cards, fraud claims, mortgages, auto loans, or Online Banking. General banking customers should call 1-800-432-1000 or use Bank of America’s official product-specific contact directory.

Bank of America Corporate Office Address and Phone Number

Important: Bank of America Corporate Center is not a local financial center, public account-service counter, payment-processing center, card-dispute department, or walk-in complaint office. Do not mail deposits, loan payments, credit-card payments, dispute documents, or account forms to the Charlotte corporate address unless Bank of America specifically instructs you to do so.

Bank of America corporate office headquarters in Charlotte, North Carolina
Bank of America Corporate Center and headquarters in Charlotte, North Carolina.

Bank of America Corporate Office Versus Customer Service

The number 1-704-386-5681 is Bank of America Corporation’s corporate and Equity Investor Relations telephone number. It is not the best route for an individual checking account, savings account, card, fraud claim, mortgage, auto loan, business account, or Online Banking complaint.

Use the department connected to the account or transaction:

Bank of America Customer-Service Hours

Bank of America currently lists the following hours for general checking, savings, debit-card, and account assistance:

  • Monday through Friday: 8:00 a.m. to 11:00 p.m. Eastern Time
  • Saturday and Sunday: 8:00 a.m. to 8:00 p.m. Eastern Time
  • Automated Banking: Available 24 hours a day

Credit-card service for lost or stolen cards is available 24/7. Mortgage, home-equity, auto-loan, fraud, business-banking, social-media, and other specialized departments have separate hours. Confirm current availability through Bank of America’s official contact directory.

Bank of America Customer-Service Phone Numbers

Customers should also check the number printed on the back of their card and the contact information shown on their most recent statement. Co-branded cards, business cards, rewards programs, investment accounts, legacy accounts, and specialized loans may use different servicing numbers.

Bank of America Online and Mobile Banking Support

Bank of America currently directs Online and Mobile Banking customers to 1-800-432-1000.

The number 1-800-933-6262 appears in older online references but is not the current number published on Bank of America’s official Online Banking support page. Customers should use the number on the official website, mobile app, card, or account statement.

Online and Mobile Banking complaints may involve:

  • Forgotten User ID or password
  • Repeated account lockouts
  • Temporary access codes
  • Two-factor authentication problems
  • An outdated telephone number
  • Unrecognized devices or login attempts
  • Missing accounts or transaction history
  • Bill Pay or transfer problems
  • Mobile check-deposit issues
  • Difficulty receiving alerts

Steps for an Online Banking Lockout

  1. Use Bank of America’s official Forgot ID or Password page.
  2. Confirm that the website address belongs to Bank of America before entering information.
  3. Avoid repeated password attempts that may extend a security lock.
  4. Call 1-800-432-1000 if the automated recovery process fails.
  5. Ask whether identity verification can be completed at a financial center.
  6. Record the date, representative, and case number if the problem continues.

Bank of America may require account, card, Social Security number, tax identification number, date-of-birth, or identity-verification information through its secure process. Do not provide those details through an unsolicited email, text message, social-media comment, or public review.

How to Report Bank of America Fraud or Suspicious Activity

Contact Bank of America immediately when a card is lost, account credentials may have been compromised, a wire was sent because of deception, or an unfamiliar transaction appears.

Do not call a number included in a suspicious email, text message, pop-up, search advertisement, or social-media post. Call the number on the back of the card, open the official Bank of America app, or type BankofAmerica.com directly into the browser.

Information to Preserve for a Fraud Claim

  • Transaction date, amount, and merchant description
  • Card or account involved
  • Whether the card remains in your possession
  • Emails, text messages, caller information, and voicemails
  • Wire-transfer confirmation or Zelle recipient details
  • Police or identity-theft report when applicable
  • Previous case numbers and written decisions
  • The date Bank of America was first notified

Do not publish account numbers, card numbers, Social Security numbers, passwords, PINs, security codes, recovery documents, or other private information in a public review.

Bank of America Scam Warning

Scammers may impersonate Bank of America through calls, texts, emails, social media, search advertisements, or fake websites.

Common claims include:

  • A card or account has been suspended
  • A suspicious purchase or wire must be confirmed
  • A temporary security code is required
  • Money must be moved to a “safe” account
  • A Zelle transfer must be sent to reverse fraud
  • Remote access to a phone or computer is required
  • A representative needs the complete card number, PIN, or password

Bank of America will not require customers to transfer money to themselves or another person to protect it. Do not share one-time access codes, PINs, passwords, or complete card information with an unexpected caller.

Bank of America Zelle and Transfer Complaints

Zelle transfers are commonly completed quickly and should be treated with care. A payment sent to an impostor, seller, romantic interest, or other person because of deception may be difficult to recover.

For a Zelle or account-transfer complaint:

  1. Call Bank of America immediately.
  2. Explain whether the transfer was unauthorized or whether you were deceived into authorizing it.
  3. Provide the recipient, date, amount, confirmation number, and communication history.
  4. Secure the Online Banking account and connected email account.
  5. Ask for a case number and written investigation result.
  6. Preserve text messages, emails, advertisements, invoices, and screenshots.

For a wire transfer, call 1-877-337-8357 immediately and ask whether a recall, hold, or fraud notification remains possible.

Bank of America Credit-Card Complaints

Credit-card complaints may involve:

  • An unauthorized purchase
  • A card that was lost or stolen
  • A declined transaction
  • A billing error
  • An interest or fee dispute
  • A balance-transfer problem
  • Rewards or promotional-offer concerns
  • A credit-limit decision
  • A card application or application status
  • A co-branded card benefit

Call 1-800-732-9194 for credit-card customer service and lost or stolen cards. Call 1-866-266-0212 for credit-card billing inquiries.

For an application already submitted, call 1-866-422-8089 or use Bank of America’s official application-status tool.

Bank of America does not guarantee publicly that it will use one particular consumer-reporting agency for every credit-card applicant. Applicants with a security freeze should follow the instructions presented during the application or contact the application-status department.

Bank of America Checking, Savings, and Debit-Card Complaints

Common deposit-account complaints include:

  • Monthly maintenance fees
  • Overdraft or returned-item charges
  • A deposit hold
  • An ATM deposit discrepancy
  • A missing direct deposit
  • A closed or restricted account
  • An unfamiliar debit-card transaction
  • A check problem or stop-payment request
  • A frozen transfer
  • Difficulty obtaining account records

Call 1-800-432-1000 and have the transaction date, amount, account type, receipt, deposit confirmation, ATM location, check number, or other relevant documentation available.

Missing Direct Deposit

A direct deposit normally requires the correct routing number, account number, account type, and account-holder name. The Bank of America corporate headquarters address should not be used as a substitute for those account details.

When a direct deposit is missing:

  • Ask the employer or payer for the payment date and trace information
  • Confirm the routing and account numbers submitted
  • Check whether the deposit was returned to the sender
  • Call Bank of America with the expected amount and payment date
  • Keep payroll records and communication from the payer

Bank of America Mortgage and Home-Equity Complaints

Mortgage and home-equity complaints may involve:

  • Application delays or changing document requests
  • Appraisal or underwriting questions
  • Escrow analysis
  • Property-tax or insurance payments
  • Payment application
  • Loan-modification or hardship assistance
  • Payoff statements
  • Lien-release documents
  • Flood-insurance requirements
  • Home-equity draw or account access

Keep the application or loan number, Loan Estimate, Closing Disclosure, appraisal, requested-document list, payment history, escrow statements, insurance records, and written communications.

Formal mortgage-servicing notices may require a specific address and format. Use the address shown on the mortgage statement or official servicing notice rather than the Charlotte corporate address.

Bank of America Auto-Loan Complaints

Auto-loan complaints may involve payment application, payoff quotes, title or lien-release delays, insurance, automatic payments, late fees, vehicle financing, or account access.

Keep the loan number, payment confirmation, payoff statement, dealer paperwork, title records, insurance information, and any communication with a motor-vehicle agency.

Bank of America Small-Business Support

Small-business concerns may involve deposit accounts, business debit or credit cards, merchant services, cash-management tools, authorized users, Online Banking, account restrictions, fees, lending, or fraud.

Use the contact information connected to the exact business product. Personal banking representatives may not have access to business-card, merchant-services, or treasury-management systems.

Bank of America Customer-Service Mailing Address

Bank of America
P.O. Box 25118
Tampa, FL 33622-5118

This general servicing address is separate from the Charlotte headquarters. Some Bank of America pages include a department-specific internal mail code with the P.O. box.

Credit-card payments, credit-card billing disputes, mortgages, home equity, auto loans, wire-transfer notices, legal documents, overnight deliveries, and other specialized matters may require different addresses. Use the address printed on the applicable statement, card agreement, loan document, or official product page.

How to Escalate a Bank of America Complaint

  1. Contact the correct product department: Use the number associated with the checking account, credit card, fraud claim, mortgage, auto loan, wire, or business account.
  2. Explain the requested resolution: State whether you are seeking a refund, fee reversal, fraud reconsideration, account restoration, document correction, payment adjustment, or written explanation.
  3. Request a case number: Record the representative’s name, department, date, time, and promised follow-up.
  4. Ask for a supervisor: Explain the contacts already made and what remains unresolved.
  5. Use secure communication: Submit documents through Online Banking, the mobile app, or another verified secure upload route when available.
  6. Visit a financial center: In-person assistance may be appropriate for identity verification, estate documents, account ownership, notarized forms, or an internal referral.
  7. Send a written complaint: Use the product-specific servicing address and send copies rather than original documents.
  8. Request the final decision in writing: Keep the explanation, investigation result, and supporting records.
  9. Consider a regulator: If normal escalation does not resolve the issue, submit a complaint to the appropriate banking regulator.

Information to Gather Before Escalating

  • Account or product type
  • Transaction date, amount, and description
  • Card, loan, claim, or case reference
  • Statements, receipts, screenshots, and correspondence
  • Names or identification numbers of representatives contacted
  • Dates and times of each contact
  • Fraud, police, identity-theft, or merchant documentation when relevant
  • Application, appraisal, underwriting, or servicing documents for a loan complaint
  • The specific resolution requested

Redact unnecessary account, card, Social Security, tax-identification, password, PIN, security-code, and identity-document information from ordinary correspondence whenever possible.

Banking-Regulator Complaint Options

Bank of America, N.A. is a national bank regulated by the Office of the Comptroller of the Currency. Consumers may also submit many financial-product complaints through the Consumer Financial Protection Bureau.

Regulators generally ask for the bank’s name, product involved, dates, disputed amount, prior complaint history, supporting records, and the resolution being requested.

Bank of America’s Board of Directors contact process is intended for corporate-governance communications. Routine customer-service complaints may not be forwarded to the board and should normally use customer-service and regulatory complaint channels.

Bank of America Accessibility Assistance

Bank of America accepts calls made through relay services by dialing 711. Language interpretation services are also available at no charge when speaking with an agent or visiting a financial center.

Customers can review the official Accessible Banking Resources for information about accessible financial centers, ATMs, statements, telephone banking, digital services, and accommodations.

Bank of America Privacy Requests

Privacy procedures can differ among Bank of America banking, Merrill, investment, advertising, and international services. Review the privacy notice connected to the product involved.

Submit personal records only through Bank of America’s official privacy, account, or secure-document process. Do not email identity documents or financial information to an address received from an unexpected message.

Bank of America Employees, HR, Payroll, and Careers

Job Applicants

Job seekers should use Bank of America Careers to search and apply for financial-center, customer-service, technology, operations, risk, investment, legal, compliance, and corporate positions.

Current Employees

Current employees should use the company’s internal HR, payroll, benefits, leave, manager, or employee-support systems. General banking Customer Service cannot normally access employment records.

Former Employees

Former employees should use contact details provided in separation, payroll, tax-document, retirement, or benefits correspondence.

Do not post employee identification numbers, Social Security numbers, tax forms, payroll records, medical information, disciplinary records, or workplace-investigation materials publicly.

About Bank of America

Bank of America Corporation is a publicly traded, diversified financial-services company headquartered in Charlotte, North Carolina. Its businesses serve consumers, small businesses, corporations, institutional investors, and government organizations.

Its primary operations include:

  • Checking and savings accounts
  • Debit and credit cards
  • Mortgages and home-equity products
  • Auto loans
  • Small-business banking and lending
  • Merrill wealth and investment services
  • Bank of America Private Bank
  • Commercial and corporate banking
  • Investment banking and securities services
  • Global markets and treasury services
  • Corporate Headquarters: Charlotte, North Carolina
  • Chair and CEO: Brian Moynihan
  • Co-President: Dean Athanasia
  • Co-President: Jim DeMare
  • Chief Financial Officer: Alastair Borthwick
  • President, Consumer, Retail and Preferred: Holly O’Neill
  • Chief People Officer: Sheri Bronstein
  • Chief Risk Officer: Geoffrey Greener
  • Global General Counsel: Lauren Mogensen
  • Chief Technology and Information Officer: Hari Gopalkrishnan
  • Employees: More than 210,000
  • 2025 Revenue: Approximately $113.1 billion
  • 2025 Net Income: Approximately $30.5 billion
  • Business Type: Publicly traded financial-services company
  • Stock Symbol: NYSE: BAC

Bank of America Corporation Versus Bank of America, N.A.

Bank of America Corporation is the publicly traded parent company.

Bank of America, N.A. is the national bank subsidiary that provides many checking, savings, debit-card, lending, trust, and other banking products. Bank of America, N.A. is a Member FDIC.

Merrill, BofA Securities, and other affiliates provide investment, brokerage, securities, insurance, and wealth-management products. Investment products are not deposits, are not FDIC insured, are not guaranteed by the bank, and may lose value.

Who Owns Bank of America?

Bank of America Corporation is publicly traded and owned by individual and institutional shareholders. No outside parent company owns Bank of America Corporation.

Its common stock trades on the New York Stock Exchange under the symbol BAC.

Bank of America Reviews and Complaints

As of July 30, 2026, this CorporateOfficeHeadquarters.com page displays five visible Bank of America reviews dated April 29, 2025, through May 28, 2025.

The visible reviews describe:

  • A confusing temporary-access-code email that could not be answered
  • Long telephone hold times and difficulty finding the correct support route
  • Repeated Online Banking lockouts and unsuccessful password resets
  • Transfers to the wrong department and difficulty reaching technical support
  • A disputed set of allegedly unauthorized transactions and dissatisfaction with the investigation
  • Difficulty obtaining preapplication information about a co-branded credit card
  • Delays and changing explanations during a home-equity application

These reviews represent individual experiences and allegations. They do not establish the experience of every Bank of America customer, applicant, account holder, borrower, investor, or financial-center visitor. No aggregate star rating is stated here.

Bank of America Competitors and Related Corporate Office Pages

Bank of America competes with national banks, regional banks, credit unions, online banks, mortgage companies, card issuers, brokerages, and investment firms.

For additional telephone and account-support information, visit the verified Bank of America Customer Service Numbers page.

Official Bank of America Resources

Frequently Asked Questions About Bank of America

Where is the Bank of America corporate office?

Bank of America Corporation’s principal executive offices are located at 100 North Tryon Street, Charlotte, NC 28255.

What is Bank of America’s corporate phone number?

The corporate and Equity Investor Relations phone number is 1-704-386-5681.

Is the corporate phone number a customer-service line?

No. Customers with checking accounts, cards, fraud claims, mortgages, auto loans, or digital-banking problems should use the appropriate customer-service department.

What is Bank of America’s main customer-service number?

Call 1-800-432-1000 for general checking, savings, debit-card, ATM, and account assistance.

What is Bank of America’s international customer-service number?

Call 1-315-724-4022 international collect. Mobile roaming or operator charges may apply.

What is Bank of America’s Spanish-language number?

Call 1-800-688-6086 for Spanish-language general banking support.

Is 1-800-933-6262 Bank of America’s current Online Banking number?

Bank of America’s current official Online and Mobile Banking support page lists 1-800-432-1000. Use the official website, app, card, or statement rather than relying on an older directory listing.

What is Bank of America’s credit-card number?

Call 1-800-732-9194 for credit-card customer service and lost or stolen cards.

How do I report debit-card fraud?

Sign in through Bank of America’s official app or website, or call 1-877-366-1121.

How do I report a suspicious Bank of America email or text?

Forward it to ab***@**fa.com. If you interacted with the message, call the number on the back of the card or the official fraud number immediately.

How do I report a fraudulent wire transfer?

Call 1-877-337-8357 immediately and ask whether a recall, hold, or fraud notification remains possible.

What is Bank of America’s mortgage number?

Existing mortgage customers can call 1-800-669-6607.

What is Bank of America’s home-equity number?

Existing home-equity customers can call 1-800-934-5626.

What is Bank of America’s auto-loan number?

Existing auto-loan customers can call 1-800-215-6195. New customers can call 1-844-892-6002.

What is 1-866-283-4075?

1-866-283-4075 is Bank of America’s published number for opening a new small-business account. It is not the general personal-banking customer-service number.

What address should I use for Bank of America direct deposit?

Direct deposit normally requires the account’s routing number, account number, account type, and account-holder name. Do not substitute the Charlotte corporate address. Confirm the required information through Online Banking, a bank representative, or an official direct-deposit form.

What is Bank of America’s general mailing address?

Bank of America currently lists P.O. Box 25118, Tampa, FL 33622-5118 for certain general account and Online Banking correspondence. Use the address on the applicable statement or product page because specialized accounts use different addresses.

How do I complain to Bank of America corporate?

Begin with the department connected to the account, request a case number, ask for supervisor review, and obtain the decision in writing. An unresolved complaint can also be submitted to the CFPB or OCC.

Can Bank of America headquarters resolve a fraud claim?

The corporate switchboard is not the primary fraud department. Use the fraud telephone number connected to the account or transaction.

Who is the CEO of Bank of America?

Brian Moynihan is Chair and Chief Executive Officer of Bank of America Corporation.

Who are Bank of America’s presidents?

Dean Athanasia and Jim DeMare serve as Co-Presidents of Bank of America.

Who owns Bank of America?

Bank of America Corporation is publicly traded and owned by its shareholders. Its shares trade on the New York Stock Exchange under the symbol BAC.

Is Bank of America FDIC insured?

Deposit products are generally provided by Bank of America, N.A., Member FDIC, subject to applicable FDIC ownership categories, limits, and rules. Investment products are not FDIC-insured deposits and may lose value.

Why Trust CorporateOfficeHeadquarters.com?

CorporateOfficeHeadquarters.com has helped consumers locate corporate addresses, headquarters phone numbers, complaint information, and public review pages since 2004.

Corporate addresses, leadership roles, telephone numbers, mailing addresses, department hours, banking policies, and regulatory procedures can change. Confirm important information through Bank of America before mailing documents, transferring funds, submitting identity records, or relying on a dispute deadline.

Page Update Note

This page was updated on July 30, 2026, to confirm Bank of America’s Charlotte corporate address and corporate telephone number, update current customer-service and fraud contacts, correct Online Banking guidance, clarify mailing and direct-deposit information, update current leadership and company information, add product-specific complaint and regulatory guidance, and revise the visible-review summary.

Disclaimer

CorporateOfficeHeadquarters.com is an independent consumer information website and is not affiliated with, endorsed by, or operated by Bank of America Corporation, Bank of America, N.A., Merrill, BofA Securities, or any Bank of America subsidiary.

CorporateOfficeHeadquarters.com cannot access bank accounts, unlock Online Banking, replace cards, trace payments, investigate fraud, reverse fees, approve credit, process refunds, change loan decisions, or provide legal or financial advice.

Bank of America, Merrill, BofA Securities, and related names and logos are trademarks of their respective owners.

Corporate information, phone numbers, addresses, executives, hours, products, dispute procedures, and regulatory requirements may change. Verify important information through Bank of America’s official website, mobile app, card, statement, account agreement, or authorized representative.

Reader reviews represent individual opinions and experiences. Allegations in reviews have not necessarily been independently verified and should not be interpreted as establishing the experience of every customer, employee, applicant, borrower, or investor.

Share Your Bank of America Experience

Have you contacted Bank of America about a checking account, debit card, credit card, fraud claim, wire transfer, mortgage, home-equity account, auto loan, Online Banking problem, branch experience, or unresolved complaint? Share your experience below.

Consider mentioning the approximate date, account or product type, support department, whether a case was opened, what resolution was requested, and whether Bank of America responded.

Privacy warning: Do not publish account numbers, routing numbers connected to your account, debit- or credit-card numbers, passwords, PINs, one-time security codes, Social Security numbers, tax-identification numbers, identity documents, loan numbers, home addresses, employee records, or other sensitive personal or financial information.

Share0
Tweet0
Share0
Previous Article
Next Article

Bank of America Frustrating Email Alert Issue

May 28, 2025

Bank of America, Confusing Alert Messages and No Way to Respond. I received an alert from Bank of America stating that a temporary access code had been assigned to my account. The message said to let them know if I hadn’t made this change — but when I attempted to reply, I got an automatic response saying replies to alert emails aren’t monitored. That’s incredibly frustrating and confusing. Why send a message asking for a response with no clear way to actually respond? I’m tired of being put on hold for 30+ minutes just to get clarification or flag something important. If I could leave a zero-star review, I would. I’m seriously considering moving my banking elsewhere due to the lack of clear communication and responsiveness.

C M

Response from Corporate Office Headquarters

Contact BofA Securely Through Their Online Messaging Center: Instead of replying to alert emails, log into your Bank of America online banking or app and go to: Menu > Help > Contact Us > Secure Message Center. You can send a secure message referencing the alert and your concerns. Call the Digital Banking Support Line Directly: To avoid long hold times on the general line, try their Online Banking Support team at 1-800-933-6262, and ask for a supervisor if needed. File a Feedback Form to Improve Their Messaging: You can submit suggestions or complaints about unclear alert messages using this form: https://www.bankofamerica.com/contact-us/contactus.go

Switch Banks (If You Decide To): If you’re set on switching, consider local credit unions or banks with high ratings for customer service and responsive digital tools — many now offer 24/7 chat support or quicker access to live reps.

Bank of America Disappointing Online Banking Issues

May 28, 2025

Bank of America, Repeated Online Banking Lockouts and Poor Support. I’ve been a customer since 2007 and had used the same username and password without issue until May 13, 2024. On that date, my credentials were suddenly rejected. Since then, I’ve been locked out of my online banking 10 times. Each time, I’ve reset my password, only for it to be rejected the next time I tried to log in. Most recently, I was actually able to log in on the first attempt — only to be immediately locked out again. When I contacted customer service, I waited on hold for over 30 minutes and was transferred to the wrong department after specifically requesting technical support. This has become an incredibly frustrating experience. Online access is essential, and it’s unacceptable to face this many recurring login issues without a lasting fix.

C M

Response from Corporate Office Headquarters

Suggested Solution: Request a Secure Password Reset by a Tech Specialist: Call Bank of America Online & Mobile Banking Support at 1-800-933-6262 and ask specifically for a technical support representative, not general customer service. Explain that repeated resets have failed and you need a secure backend reset. Clear Browser Cache or Try Different Devices: Occasionally, saved data or browser extensions can interfere. Try logging in using a different browser or device, or clear your cache and cookies, especially if you’re using a mobile app and web interchangeably. Ask for a Supervisor or Escalation Path: If the issue isn’t resolved within one or two calls, politely request an escalation or have your case reviewed by a Digital Banking Resolution Team (Bank of America has one, but it’s not publicly listed — reps can escalate internally). Visit a Local Branch: If phone and online support continue to fail, go to a Bank of America branch in person. Staff there can sometimes escalate tech issues more efficiently than the phone system allows. File a Complaint (If Needed): If this persists, you may file a formal complaint with the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov/complaint/.

Bank of America Disappointing Experience

May 22, 2025

Bank of America, I’m extremely disappointed in how my case was handled. Your team accused me of authorizing suspicious charges without thoroughly investigating the situation. I’ve been a loyal customer for nearly 25 years, and this is by far the worst experience I’ve had. When similar issues happened in the past involving a joint account, you never placed blame as quickly. Now, I’m being told I either made or allowed someone to make these charges—even though they happened while I was out of state and making legitimate purchases myself. I’ve spoken to the IRS, consulted legal advice, and will be closing my account if this isn’t resolved properly. The lack of clear communication and accountability has been frustrating. It’s not just about the $1,100—it’s about being treated with respect and fairness. I’m requesting a detailed report of the vendors involved and a direct contact from someone higher up—not just another rep reading from a script. Please escalate this. I expected more from a bank I trusted for decades.

R M

Bank of America Credit Card Question

May 19, 2025

Bank of America, as a potential credit card customer, I’m very frustrated with the lack of accessible customer service. I’m trying to apply for the Royal Caribbean credit card, but I can’t reach anyone by phone without already having an account or providing a Social Security number. I simply want to know which credit bureau you use for the application, so I can temporarily lift the freeze on my credit. Unfortunately, your website and phone systems make it nearly impossible to get a basic question answered.

T J

Response from Corporate Office Headquarters

Bank of America typically pulls credit reports from Experian, but in some cases, they may also use TransUnion or Equifax, depending on your location and other factors. To be safe, you may want to temporarily lift the freeze on all three major credit bureaus—Experian, Equifax, and TransUnion—at least for the day you plan to apply. After the application, you can re-enable the freeze.

Bank of America Disappointing Experience

April 29, 2025

Bank of America, Deceptive and Unhelpful. I applied for a home equity line of credit despite having no significant debt—no car payments, minimal credit‐card balances, and a steady full‐time income of around $77,000. I chose BOA because my property, once improvements are made, will be worth about $600,000 in this neighborhood. However, throughout the process I’ve encountered constant delays, shifting explanations, and a complete lack of transparency about their intentions. Their underwriting criteria make no sense: there’s no risk to the bank, and I’ve offered to pay down—or even close—my unsecured debts to qualify. Instead, Bank of America has wasted my time and demonstrated exactly the opposite of the fair, straightforward lending I expected. I hope they revisit their decision and communicate clearly about whether they truly intend to move forward.

C K