How To File Bank of America Complaints
Bank of America is a financial institution that caters to a wide array of customers. The bank has a total customer base of approximately 80 million individual and small business accounts that are located in Europe, North America, Latin America, and the Caribbean.
In the U.S. alone, Bank of America has more than 5,400 financial institution branches located in more than 15 states, so people’s experiences with the bank will vary.
The bank offers a variety of products that include credit cards, checking accounts, savings accounts, and certificates of deposit to customers around the world. It also provides loans to a variety of borrowers who reside within the United States as well as in more than 100 other countries around the globe.
While the bank enjoys a decent overall reputation, not all Bank of America customers are satisfied with the bank's services and customer support.
Account-holders often complain about the fact that a variety of Bank of America's services are not always easy to use, affordable and efficient. Customers also report having trouble with Bank of America chargebacks.
Some customers also complain about customer support representatives who are slow to respond and may even use discriminatory language when responding to customer inquiries.
In this article, we'll show you several ways to file a Bank of America complaint and, if all else fails and you can't get your issue resolved, take the company to small claims court.
How To Reach the Bank of America Complaints Department
If you have an issue with your account, credit card, or loan application, you can contact the bank's Complaint Department through the bank's official website.
After you select the specific issue you are having by clicking on the appropriate link on the page, you’ll be presented with all the contact options available, such as the relevant phone numbers and address you can mail your complaint to.
You can also contact the bank's Customer Service by dialing 1-315-724-4022. The standard phone waiting times are usually between 30 and 60 minutes.
Another option at your disposal is to write directly to Bank of America's Customer Satisfaction Division at the following address:
Bank of America Customer Satisfaction Department P.O. Box 512868 Charlotte, NC 28512-8168
If you are unable to resolve the issue with the bank’s customer service, you may contact the bank's Corporate Headquarters in North Carolina by dialing 1-704-386-5681.
If you need to speak with a customer service representative about your complaint in person, you'll need to schedule an appointment with a person specialized in that particular field.
For issues with the bank's mobile banking app, you can submit your feedback through the bank's virtual assistant, Erika.
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How To File a Complaint Against Bank of America
If you want to file a complaint against Bank of America, you can contact one of the agencies in charge of monitoring and addressing consumer complaints.
WARNING: A complaint can be detrimental to your credit score. Before filing a Bank of America complaint, you should first try to resolve the issue with the bank on your own.
You can report your concerns and issues with Bank of America to any of the following agencies:
- U.S. Consumer Financial Protection Bureau (CFPB)
- The Federal Trade Commission (FTC)
- NC District Attorney General's Office
- North Carolina Attorney General's Office
- U.S Department of Justice and the U.S Equal Employment Opportunity Commission
- U.S Federal Reserve System's Federal Reserve Ombudsman Service (local offices)
- National Credit Union Administration
- U.S. Office of the Comptroller of the Currency
- U.S. Securities and Exchange Commission
- U.S. Financial Industry Regulatory Authority
- U.S. Department of Treasury's Bureau of Consumer Protection
How To File a Complaint With the CFPB
The Consumer Financial Protection Bureau (CFPB) is an agency that works to protect consumers in the financial services sector. You can contact the CFPB by going to the official website and completing a short form.
Depending upon your complaint, this agency may take several days or even weeks before it contacts you about the status of your complaint. In some cases, the CFPB may not be able to review your complaint.
How To File a Complaint With the FTC
The Federal Trade Commission (FTC) is an agency that oversees consumer protection issues and represents the interests of consumers in the financial services sector.
You can file a complaint with this agency by filling out the online form or by calling 1-877-FTC-HELP (1-877-382-4357). The FTC will then review your complaint and contact you if it signals a potential problem with a financial service company.
How To Sue the Bank of America in Small Claims Court
If you've contacted the bank's customer support and have filed official complaints with multiple agencies to no avail, you can consider suing the Bank of America in small claims court.
Keep in mind that you can only sue the bank for $10,000 or less.
Valid reasons for filing a lawsuit against Bank of America are:
- Fraud or misrepresentation
- Failure to obey a written agreement signed by the bank
- Breach of contract
- Unjust enrichment
- Violation of a consumer protection or fair practice statute or/and regulation
Be absolutely sure that you have legal grounds to sue the bank; otherwise, you will not only lose the case but will also permanently damage your credit score. You should consult with a consumer protection lawyer for professional help and support if you want to proceed with your case.
To start the legal process against the Bank of America, you must first draft and send a demand letter.
The demand letter needs to include all of the following elements:
- Your full name
- Your current contact information (phone number, email address, mailing address)
- A statement of claim
- Name and address of the bank you're suing (Bank of America, and the bank’s corporate address, not the address of the branch where the incident occurred)
- Demand details and the dollar amount you're seeking from the bank
If your complaint is related to a credit card or a bank loan application, you should also include:
- A copy of your application for a credit card or for the loan in question.
- A copy of your credit report or other documentation supporting your claim
- A financial statement or other documentation supporting the amount you're seeking from the bank
- The name and address of a person who can serve as your representative in the small claims court
The letter should be sent via certified mail. You should allow at least two weeks for the bank to respond to your demand and one more week for the court to schedule a hearing date.
After you receive a response from the bank or any other party involved in your complaint, it's important that you then send a letter to the court, as well as to all of those parties with whom you have filed your complaint.
Depending upon the amount of damages you are seeking, you can file a complaint in small claims court in the county where the bank has its headquarters or where you obtained a loan from the institution.
DoNotPay Can Help You Sue Bank of America In Small Claims Court
The process of filing a lawsuit against Bank of America is quite complex. There’s a ton of legal documents you need to fill out, and an error on your part could mean that the case will be immediately dismissed.
On top of that, you’ll likely need to hire an experienced attorney to help out with the lawsuit if you don’t have any legal experience yourself. Most people just don’t have the time and the financial means to proceed with a lawsuit, and their complaints never get resolved.
That’s why DoNotPay created the Sue Now product—to help consumers fight against companies that have wronged them. If you’ve exhausted all other options and are adamant about taking Bank of America to court, we’re here to help!
You don’t need to waste thousands on lawyers or spend over a month gathering and filing all the required documents.
DoNotPay can help you sue Bank of America in small claims court by generating a professional demand letter and helping you complete all the required court filings in minutes!
Here’s how you sue Bank of America in a few easy steps:
- Open DoNotPay in your and select the Sue Now product
- Tell us how much money you are owed by the company, if applicable
- Choose the most appropriate reason for your lawsuit from the menu
- Answer a few questions from our AI-powered chatbot
- Provide evidence that will help us build your case
That’s all there is to it! DoNotPay will generate a demand letter and serve it to the bank on your behalf.
The app will also help you fill out the necessary court paperwork, so if the bank fails to respond or refuses to handle your complaint, you can escalate the issue and take the case to a small claims court near you.
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