Bank of America is an investment and financial services provider in the United States. With a history that goes as far back as 1784, Bank of America is one of the big fours in America's banking system. A bank with nearly $3 trillion worth of assets under management needs little introduction.
Americans who have an account with Bank of America can reach customer support for several reasons including, general account inquiries, complaints, requesting a chargeback, and reporting identity theft. Interested customers may reach Bank of America customer support by voice call, text-based live chat, Twitter, and email. You can also schedule a meeting with a Bank of America specialist at the nearest financial center.
You can reach a BOA customer service agent on (800) 432-1000. Calling the number is toll-free if you are within the United States. However, if you are outside the country, you must make an international collect call to 1-315-724-4022. For more specific help, contact:
Other issue-specific customer support numbers are available on the contact page.
Bank of America customer support is available from 8 AM to 11 PM EST on weekdays and from 8 AM to 8 PM on Saturday and Sunday. Thus, customers must consider the urgency of their problem or inquiry before calling Bank of America customer support.
Without a doubt, the major downside to calling an agent is the lengthy wait time and navigating the phone tree. Regarding the long wait time, you can request a callback if the issue is not urgent. However, if you need help quickly, such as reporting fraud or identity theft, wait on the phone or visit a financial service center.
Regarding the phone tree, you can navigate this inconvenience by pressing 0#, then 0#, then 0, then 0, then 1, then 0#. These prompts will bump you up the queue, but you must still wait until an available agent can talk to you.
Note that customers who prefer phone calls risk falling for phone call scams by individuals who impersonate Bank of America employees. Callers may spoof their number to trick customers into thinking they are Bank of America representatives. An efficient way to stop these calls is by utilizing call blocking features on your phone.
Bank of America (BOA) does not have a general live chat link. Nevertheless, customers can still chat with an agent if they sign in to online banking or use the Bank of America app. BOA also allows customers to chat about account issues, credit card issues, and auto loans without signing into online banking.
The short wait time of live chat makes it an attractive option. However, a robot will first attempt to answer your question or direct you to resources that resolve your complaint. Eventually, the bot will hand you over to a human agent if its attempts fail. The text-based nature of live chat makes many customers feel the conversation with the agent is impersonal at the start, but this inconvenience is negligible.
If you have a problem using Bank of America'sAmerica's services, you can contact customer service via @BofAHelp on Twitter. Social media support also gets the job done, and the experience is quite like a phone call and live chat in one.
Contacting support on Twitter is an excellent way to get help. But it is comparatively slow. Furthermore, help is only available during active hours, i.e., 8 AM - 9 PM on weekdays, 8 AM - 8 PM on Saturday, and 8 AM - 5 PM on Sunday (ET).
Note that Bank of America'sAmerica's customer service account is verified on Twitter. The best practice is to send a direct message to the support account, so you are not an easy target for imposters. However, if you tweet directly at the support account, do not provide your account details or social security numbers in the public tweet. Scammers and identity thieves can use this information to cause you financial harm.
BOA's Chief Client Care Executive encourages customers to leave feedback on their experience directly via email at firstname.lastname@example.org. Customers with servicing requests may also send an email to email@example.com. Note that the only information required in the email is your name and contact information. Do not provide sensitive information like social security numbers or account numbers via email. Also, do not use this email for urgent requests or account issues.
BOA Customers who cannot find a satisfactory resolution for their problem via any of the aforementioned channels may schedule an in-person visit with a specialist at the nearest financial center.
Customers may use the mobile app to schedule an appointment. To do this, sign into the app and scroll down to "Meet with a specialist." Follow the step-by-step prompts to schedule an appointment. The same procedure applies to customers who use online banking.
Although Bank of America encourages customers to schedule an appointment, customers can still visit a financial center without scheduling an appointment. Use the Financial Center Locator to find the nearest financial center.
An available specialist will provide immediate support if the issue is pressing or help you schedule an appointment for a convenient time if the problem is not severe. A downside of visiting without setting up a meeting is that you must wait until a specialist can see you. Nonetheless, an in-person visit is worth it, especially if your problem is pressing.
BOA customer support scams take on different forms. A scammer often impersonates a Bank of America employee and calls unsuspecting customers regarding some fictitious problems with their accounts. Scammers may also prepare and send phishing emails or texts.
Ultimately, the scammer aims to con you into providing your personal information and sensitive account information. A scammer can assume your identity with these stolen details, get a credit card in your name, or gain access to your account.
Nevertheless, you may rest assured that a scammer cannot catch you unawares if you take account security seriously and spot red flags.
In bank of America phone scams, a caller impersonates a financial specialist or customer support at Bank of America. These scammers have had time to practice, so they sound compelling. However, it is possible and quite easy to spot a scam with these red flags:
For one, a Bank of America customer service agent or employee that calls you will know your full name. More importantly, they will never make an unsolicited phone call or threaten to close your account for any reason. Furthermore, a customer service agent that calls back does not need your online banking details, especially your password, to help you. If an unsolicited caller exhibits one or more of these red flags, they are a scammer.
Because it is easy to spot a scammer with the aforementioned red flags and identify unknown callers with a reverse phone search, scammers resort to emails. Here, the scammer prepares a fake email using the company's logo and brand color. The email appears authentic and sounds official to an unsuspecting customer. Still, it is possible to spot a scam email with these red flags.
The first sign you must look out for in an email is the sender's address. All Bank of America staff email addresses are stylized firstname.lastname@example.org. So, if you see a sender address with variants like email@example.com or firstname.lastname@example.org, it is a scam.
Furthermore, Bank of America emails do not use generic salutations. A legit email from the bank will address you by your full name. However, scammers also do their research if they target a specific person. Scammers may use information you shared on social media to create a profile on you and craft an email specifically for you.
Likewise, disregard emails that contain links to unencrypted websites or ask you to participate in a survey. A secure website uses HTTPS encryption. So, if the link from the email does not show a padlock ( HTTPS encryption) in your browser address bar, do not provide any personal or account information.
If you have the slightest doubt about the authenticity of an email, you have several options.
Spoofed websites build on email scams. Here the scammers send an email that contains information that sounds legit and primes the recipient. These emails typically require the target to take some action, e.g., confirm their login details after changing devices. This message would normally raise a red flag, but scammers throw their targets off the scent by advising the recipient against taking any action if they believe they are unaffected.
Of course, the message ends by directing affected clients or clients who believe they are affected by the fictitious problem to take action by visiting a hyperlinked page. Clicking this link takes the client to a sophisticated phishing web page that looks like the bank's actual website.
Nevertheless, there is one crucial giveaway.
The forms on the phishing webpage accept random text. So, even if you input a non-existent email address, password, account number, and pin, it will record it. At this stage, most victims realize they have submitted sensitive information on a spoofed website because no further action happens. There is no customer dashboard or error message for providing incorrect details. A phishing page can only capture information. It cannot determine whether the user gave right or wrong information, unlike the actual website.
Yes. Bank of America allows customers to schedule a callback for an agent to contact them at a convenient time. Callbacks are great if you cannot afford to hold for professional or personal reasons. Still, remember that an employee of Bank of America will never contact you if there are no reasons. If you have a callback scheduled and missed a call from an unknown number, use a reverse phone search to confirm the caller's identity.
Customers contact Bank of America customer service for a variety of reasons. Some of these include but are not limited to:
Before initiating a chargeback with Bank of America, a rule of thumb is to block your card immediately if you notice the unauthorized or erroneous charge. Doing this prevents further purchases and unauthorized card activities. You must then confirm that a family member or friend who has access to your card did not initiate the transaction. Once you establish these, reach out to the merchant, and ask for a refund. If the merchant refuses the chargeback, contact Bank of America customer service for help within sixty (60) days.
For other account issues, check the frequently asked questions page on the Bank of America website. Select the most relevant question to your inquiry from the drop-down menu and follow the instructions provided.
Bank of America customer service agents can help resolve your problem in the shortest time possible, but you must play your part to ensure you get the service you deserve. Here are some tips that can help make your experience better, regardless of the support channel:
When you contact a customer support agent, describe your problem clearly. You can start by giving a brief background of the problem or when you first noticed the problem. Then provide the agent with details of actions you have taken to resolve the issue using available resources – if you have attempted to resolve the problem at all. Otherwise, give a brief background and tell the agent what you want.
Your frustration with getting a slow response from customer service is understandable. Bank of America is committed to resolving your complaint as soon as possible. However, there are only a few customer service agents and so many customers who need help. When you do reach an agent, it is equally frustrating to get a scripted response at first. However, as the conversation progresses, you will notice that your agent's responses become natural. So, be calm through the conversation.