DrHint logoDrHint

Bank of America complaint — United States

How to file a formal complaint for Bank of America customers in United States. Verified contact lines, timelines, and the regulator path if Bank of America cannot resolve your case.

✓ Verified from official source· Mon–Fri 8am–11pm ET, Sat–Sun 8am–8pm ET
Call Now · 1-800-432-1000

How to file a formal complaint against Bank of America

  1. Step 1: Call customer service first
    Dial 1-800-432-1000 and ask the agent to escalate to a supervisor. Note the agent name and case ID — you'll need them at every later step.
  2. Step 2: Submit a written complaint
    Bank of America must acknowledge a written complaint within 5 business days under most national consumer rules. Send via certified mail or the brand's secure-message portal and keep proof.
  3. Step 3: File with the regulator
    Open a case with CFPB — Consumer Financial Protection Bureau at https://www.consumerfinance.gov/complaint/. The regulator will not adjudicate your specific dispute in most cases, but the brand must respond in writing within 30 days.
  4. Step 4: Small-claims court or ombudsman
    If the dispute is under the local small-claims threshold, file at your local court. Most brands settle in writing before the hearing rather than send a lawyer.

Related FAQs

What is the real Bank of America customer service number?

1-800-432-1000 — published on https://www.bankofamerica.com/customer-service/contact-us/ and verified on the date shown at the top of this page.

Is Bank of America customer service 24/7?

Mon–Fri 8am–11pm ET, Sat–Sun 8am–8pm ET

How do I talk to a real human at Bank of America?

Dial 1-800-432-1000 and press 0 repeatedly, or say 'agent' / 'representative' at the IVR prompt — most bank IVRs route to a human within 5 minutes during business hours.

Is calling Bank of America free?

Yes — the toll-free numbers marked above are free from a landline or mobile in their listed region. International calls are charged at your carrier's rate.

Can I email Bank of America?

Bank of America prefers phone and in-account chat; email is available via the contact form on https://www.bankofamerica.com/customer-service/contact-us/.

How long does a Bank of America refund take?

10 business days for provisional credit on dispute for card refunds; instant for account credit; up to 30 days for disputes that go through the regulator.

Did this page help you?

Your feedback helps us prioritise which helplines to re-verify each week.

← Back to full Bank of America mega-hub

Share DrHint on WhatsApp