How to Complain to Bank of America and Get Your Money Back
Bank of America is one of the largest US banks. Common complaints include wrongful overdraft fees, unauthorized account charges, credit card billing errors, and refused refunds. Under the Electronic Fund Transfer Act (EFTA) and the Consumer Financial Protection Act, you have legal rights when Bank of America wrongfully charges your account.
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Common Bank of America complaints
- Wrongful overdraft or NSF fees
- Unauthorized charges on account
- Credit card billing dispute
- Zelle or wire transfer dispute
- Mortgage payment error
- Refund denied for bank error
Your legal rights when disputing Bank of America
A verbal complaint to Bank of America's customer service rarely produces results. A formal written complaint letter citing the specific consumer protection laws that apply to your situation puts legal pressure on Bank of America to respond. These are the laws and regulatory bodies that govern Bank of America complaints:
Applicable Laws
- ·Electronic Fund Transfer Act (EFTA)
- ·Consumer Financial Protection Act
- ·Truth in Lending Act (TILA)
How to write a complaint letter to Bank of America — 3 steps
Describe what happened
Tell us you were wrongfully charged by Bank of America, what the issue was, and the outcome you want — refund, reversal, or compensation.
We cite the exact laws
ComplainAI identifies the specific consumer protection laws and regulations that apply to your Bank of America complaint and includes them in your letter.
Send the letter and get results
Download your letter and send it to Bank of America's customer relations department. Include your regulatory filing intent to maximize pressure.
Frequently asked questions
How do I complain to Bank of America?
The most effective way is a formal written complaint letter that cites the specific consumer protection laws that apply to your situation. Verbal complaints are easy to ignore — a letter citing Electronic Fund Transfer Act (EFTA) creates a legal record Bank of America must respond to.
Can I get my money back from Bank of America?
Yes. Under Electronic Fund Transfer Act (EFTA), you have legal rights when Bank of America wrongfully charges you or refuses a refund. If Bank of America ignores your complaint, you can escalate to Consumer Financial Protection Bureau (CFPB).
What if Bank of America ignores my complaint?
Escalate with a Final Warning letter that references your intent to file a complaint with Consumer Financial Protection Bureau (CFPB) and pursue small claims court. ComplainAI generates this escalation letter automatically.
Still no response after sending your letter?
If Bank of America ignores your complaint letter, file directly with the relevant regulatory body. Our “Final Warning” tone adds this escalation threat directly to your letter.