Get Your Bank of America Complaint Solved

How to File a Complaint Against Bank of America

Learn your options to get your voice heard and make Bank of America pay

So you have a complaint against Bank of America’s banking, mortgage, investing, or credit card services—maybe they’re overcharging you, or a salesperson misled you, or their service isn’t what they promised.

At this point, you’ve probably tried calling Bank of America’s customer service. You’ve spent hours on the phone with hold messages, computerized menus, and—if you’re lucky—a few humans. So now you want to know:

  • How do I file a legal claim against Bank of America?
  • How to sue Bank of America in small claims court?
  • How do I file a claim in arbitration against Bank of America?

Read on to learn about different ways of filing a claim against Bank of America, and what you should know about each:


What is it? Small claims courts are only for certain types of claims, so your first step is to make sure your claim can be filed. There are a few things you need to pay attention to: 

Claim Limits. Most small claims court limits range from $2,500 to $10,000. Meaning that if your claim is more than the amount your state allows, you may not be able to file your case in small claims court.

Court Fees. Small claims court fees generally vary depending on the amount you claim against Bank of America.

The type of relief: There are two types of awards that you can seek in a lawsuit – monetary (a dollar value payment) and equitable (any non-monetary request). Most small claims courts can only grant monetary awards.

When to try it: You have time and energy on your hands, and you want the chance to make your case against Bank of America in public.

What you need to do: Locate your local small claims court and follow the steps laid out by the small claims court online to learn how to file a small claims court suit. Each small claim court has its own procedure. Filing a small claims court lawsuit tends to be simpler than the regular lawsuit process.

What to expect: If you follow all the steps precisely and have a strong claim against Bank of America, there’s a good chance you’ll get compensation. Additionally, Bank of America may even offer you a settlement in exchange for dropping the civil suit against them.

Read more about suing Bank of America in small claims court here.


What is it? The Consumer Financial Protection Bureau (“CFPB”) is a federal government agency that regulates much of Bank of America’s business. The CFPB provides an informal channel for consumers to submit claims and complaints against Bank of America.

What happens to these claims depends on the internal procedures of the CFPB. You can find more information about these procedures here.

When to try it: You’re frustrated with Bank of America and want to make your complaint available to the government and the public. A CFPB complaint is generally not a way to pursue compensation.

What you need to do: File an informal complaint on the CFPB’s public website by following the instructions here.

What to expect: Your complaint will be posted online in a public database. It may be used in setting the CFPB’s priorities for regulating companies like Bank of America. The company may be asked to respond to it. You will not necessarily receive an individual response.


What is it? The Better Business Bureau (“BBB”) and its local chapters are private organizations that collect and publish complaints against a wide range of companies. They are mainly funded by affiliate fees from businesses and usually offer these businesses an opportunity to respond to consumer complaints.

When to try it: When Bank of America’s BBB page shows that it is actively involved in responding to complaints. Or, alternatively, when you want another way to get your dissatisfaction out there on the internet.

What you need to do: Go to Bank of America’s BBB profile here and follow the instructions for submitting a complaint.

What to expect: This depends on whether the company actively responds to its BBB complaints. If it does, you may receive a response directly from them, or via the BBB. You may be asked for further documentation or clarification on your complaint. Ultimately, it is up to Bank of America whether they choose to acknowledge and offer compensation for your claim.


What is it? You can also choose to arbitrate your contract with Bank of America. Some Bank of America customer agreements still contain mandatory arbitration clauses. However, even if your contract does not contain a mandatory arbitration clause, you can choose arbitration as your forum of choice. Arbitration is a way to resolve a dispute with a company without the formality and expense of having to go to court. It allows you to have your dispute decided by a neutral third party, rather than the company. The “arbitrator” – the person who decides your dispute – acts like a judge and has the power to issue binding decisions about your claim.

Because this process costs Bank of America money, often they’ll try to settle your claim once you put them on notice that you plan on taking them to arbitration. That’s what FairShake can help with!

When to try it: Any situation in which you believe Bank of America has misled you, violated their contract with you, or violated the law can be pursued through arbitration. Typically claims involve a specific request for how Bank of America can fix the situation, which may include financial compensation. FairShake will help you pursue claims up to $10,000.

What you need to do: Fill out our form below to start your claim against Bank of America.

What to expect: For more details about arbitration, click here. Or start your claim below and let us help! Check out our other Bank of America articles to learn more: “Want to Sue Bank of America in Small Claims Court?”, “Bank of America Complaint Forum”, “What’s the Most Frustrating Company? Here’s What the Numbers Say.”(For a list of companies we process complaints against, start here.)

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