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My Simple Bank of America Fraud Call Ended With A Two Hour Branch Visit

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Bank of America Fraud Department Required A Branch Visit

Bank of America Fraud Department Required A Branch Visit

I guess I am just cursed when it comes to banks. It feels like pretty much every bank has required me to do some insane hoop jumping to complete a fraud verification process. First, it was Citi asking to call another bank to verify I am who I said I was and then Chase required me to sit on hold for hours to reach a hidden department. Bank of America, not wanting to be left out, turned a simple fraud call into a huge, multiple hour long ordeal.  It got to the point that the Bank of America fraud department required a branch visit. This is quite the story, so buckle up!

Bank of America Premium Rewards Card

This story begins with my wife’s approval of the Bank of America Premium Rewards card. If you remember from our recent round of applications, this is one of the cards that would help us net close to $2000 in cash. The Premium Rewards gives 50,000 points ($500) after spending $3,000 within the first 90 days. It has a pretty good welcome offer but the long term earning of the card is below average. Well, unless you have Bank of America Platinum Honors Preferred Rewards to make the card pretty valuable, which we do not. We just grabbed the card a few weeks ago and were working on the minimum spend requirement when all of this mess happened.

Bank of America Fraud Department Required A Branch Visit

Bank Of America Fraud Verification Phone Calls

Let’s dig into how getting our new card ended with a two hour long branch visit and a ton of frustration along the way. For the purpose of this story you should know that this was my wife’s account and I was added as an authorized user.

Fraud Verification Call #1

Within the first week of using the card I attempted to take advantage of a pretty amazing deal at Meijer, a regional grocery chain. Meijer has an offer, that comes around every few months, where you can earn $5 in store credit (MPerks) for every $50 you spend on third party gift cards.

We have some home projects we are doing so I thought this was a perfect way to rack up some savings on that cost. I tried to purchase a $500 Home Depot gift card but it was declined. No big deal, I figured my wife would get a fraud verification text, but she never did. I thought that was weird but moved on. The card still worked on other, smaller purchases. (Side note, Benjy said he had a similar experience with not getting Bank of America fraud texts)

A few days later we got an email from Bank of America that we needed to verify some transactions on the card. My wife called into the BOA fraud verification department and went through that whole song and dance. She verified that the Meijer purchase attempt was us and the representative said we were good to go. My wife also asked why she wasn’t getting any fraud texts. The rep acted surprised by that but offered no reason as to why.

A few days later I attempted the Home Depot purchase again at Meijer and it went through no problem.

BOA Fraud Verification Call #2

We were at Meijer doing some grocery shopping this past Sunday, 4 or 5 days after the last Meijer purchase. We decided to grab another Home Depot gift card and rung it up with our groceries. The total charge was for around $560 and it was not surprisingly declined. We figured no big deal, another quick call and we would be on our way.  Annoying for sure, but nothing major.

On our drive home my wife called into the Bank of America fraud department. A call that should have taken 5 minutes ended up taking over 30 minutes and finished without a resolution.

Initially my wife went through the song and dance of verifying the last few transactions, including the Meijer one. That is when the rep asked what the purchase was for. My wife, God bless her, said we were buying a gift card. My head immediately sunk because these are words that send fraud people into panic.  The representative said that gift cards should only be purchased for personal use or as a gift but never asked my wife what the purchase was for. My wife also mentioned that she was not getting the fraud texts like normal and the rep informed her that it was never turned on for her account. Not sure why that was the case.

She continued to put my wife on hold and was talking to a supervisor in the mean time. She would come back every once in a while but wasn’t really asking any questions etc. This was all after my wife had verified the charge. After about 30 minutes the lady told my wife that she needed to go into a Bank of America branch with two forms of ID. This was in order to prove we were who we said we were. I guess they were worried we were running some kind of scam and the cards were compromised.

Bank of America Fraud Department Required A Branch Visit

I Decide To Get On The Phone

My initial thought was that my wife had messed something up (besides saying gift card). In all my years I can’t remember someone needing to go into a bank branch to verify a fraud alert. Citi asked for some weird stuff but they never wanted me to go anywhere in person. Maybe they would have though if Citi had the branch coverage that Bank of America does.

I get on the phone expecting that I could deescalate the situation and wiggle out of this required branch visit. As soon as I got on with the rep I realized that wasn’t going to happen.

She treated me like I was a new person calling in, like she just reset the script. My wife had handed me the phone a second earlier and she asked what issue she could help me with. Then she asked which card I would like to talk about, what!? I was dumbfounded, I want to talk about the card you were just talking to my wife about a millisecond ago. She literally just handed me the phone lady!

I Finally Accept Defeat

After that she had to verify I was who I said I was by sending my cell phone a text and then we could discuss the issue.  She stood her ground on the branch visit and said the supervisor required it “for our safety”. The rep informed me that our account required a supervisor approval to release it, which they wouldn’t give her.  I asked if I could go into the branch to do this as an authorized user and she said she would check with her supervisor on that.

I had already burned a million wife points with this phone call, I wasn’t looking to spend a billion having her go to a branch. We talked in circles for a bit and then she asked if there was anything else she could help with. I said, yeah, I still need to know if I can go into the branch to show two forms of ID as an authorized user. She said that the supervisor said that was possible. I was skeptical but hung up the phone with a small victory.

driving to branch

Bank of America Fraud Department Required A Branch Visit: Details

The next morning I was ready and motivated to get this done. I figured that they would tell me that the main cardholder needed to do it but it was worth a try. Plus, I was looking to do anything to avoid the death stares I would get if my wife had to go into a branch. I figured this would take 20-30 minutes since banks were not normally that busy these days. Boy was I wrong!

Things Started Off Bumpy

The Bank of America branch nearest my house is temporarily closed because of staffing issues so I headed to the next closest. The lobby of this one was closed too even though it was supposed to open at 9 AM, it was now after 10 AM. The security guard standing out front said they should be open later. When I asked how much later he said he had no idea. Off to a great start! I head to the third closest branch which was of course very busy at 10:30 AM. Probably because it was the only one open.

There were two people in front of me so I figured this should be fairly quick. There were 5 or 6 bankers working after all. An hour and a half later they sat me down with a mortgage banker just to get me seen.

Bank Of America Employee Can’t Get Through

I will take a moment to say that everyone at the branch was very nice and tried to be helpful, including the banker. It just took forever! Why do banks run slow like the DMV? He was skeptical that I would be able to do the verification process since I was not the main account holder. I told him I triple checked and he concurred that it was worth a try since I was already there and had waited forever.

The banker tried to call into Bank of America but each time he entered the prompt required it wouldn’t register so he kept getting hung up on. I couldn’t help but laugh at this point. That is when I offered the fraud department number and we called that instead. Then we sat there uncomfortably on hold for 20 minutes.

In Branch Bank of America Fraud Verification

After nearly two hours in the branch we finally got someone from the BOA fraud department on the phone. She asked the banker for some internal codes and then had me verify recent charges AGAIN. After that she got back on the phone with the banker and sent him a verification text and that was that. She said the card was now unlocked. She never asked if the banker had looked at two forms of ID or anything. What a complete joke!

Bank of America Fraud Department Required A Branch Visit

It Doesn’t End There

After all of that at least our card was unlocked and we could get back to working on the bonus, or so I thought. When I got home I logged in and there was still a note on our account that the card was locked and we needed to call in. I gave it an hour to see if it was just a delay, but knew that was almost certainly not the case.

Once again, I picked up the phone and called the fraud department. At this point I was going to lose my mind if they said we needed to go back to a branch or that my wife had to call. After another 30 minute hold a Bank of America fraud department rep finally picked up. I gave him all of the details on what had happened that day. He looked at the account for a minute and then said I should be all good. I had learned my lesson and logged into the account while he was still on the phone, it was finally unlocked! I asked why it wasn’t done the first time around and he said they forgot to flip the switch to release the card. Unbelievable!

Bank of America Fraud Department Required A Branch Visit – Final Thoughts

Long story short, this was a huge waste of my time. We had verified the transactions over the phone and the amount was not for all that much. It shouldn’t have required any more than that. The whole process took up close to 3 hours and that is time I can never get back.

The branch requirement was laughable at best. If you want me to verify I am who I say I am then a teller should be able to do that in a few seconds. Even the banker thought this process was mad and said an encrypted text is way safer than an easily fakeable ID.

I am not sure if the Bank of America fraud department takes the cake for most outlandish process or if Citi does. Let me know your thoughts in the comments.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Mark Ostermann
Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. I have nothing but sympathy for you during this debacle. I would add one point (which in no way excuses the incompetence): 20 or 30 years ago, when the bank questioned a purchase, the MERCHANT had to phone the bank and perform additional verification. Retail behavior has changed so much that everyone rightfully expects an immediate decision at the point of purchase. Further, chains such as Meijer negotiate credit card merchant processing contracts which include extra fraud insurance so that the banks have to eat the losses and gift cards are costing the banks billions in fraud every year because of these merchant insurance policies. In the wrong hands (such as senior management at BofA), this leads to ludicrous situations such as the mess you encountered. If it’s any consolation, I encountered a somewhat similar challenge 5 years ago with Barclays, although no gift cards were involved. Barclays denied multiple small purchases on my MasterCard, most pay-at-the-pump gasoline, for no reason. My account was current. My credit score was above average and I had not disputed a single transaction. Eventually, I wrote to the CEO by snail mail (which I recommend that you attempt) and received a profuse apology by telephone from a member of the Executive Team of the credit card division of Barclays in Delaware. Since then, I have used the card without issue, including for pay-at-the-pump, and received multiple automatic credit line increases.

  2. Jeez, what an ordeal. Out of curiosity, what would you have said instead of buying gift cards to the phone rep and can they verify what you bought? If they can see that someone is lying to them it’ll ratchet their paranoia up to 11.

  3. Sorry for your experience, and thank you for sharing it. I must say at least the silver lining is that the offer is such a great one that it is worth the effort as long as they don’t call you out and void the offer later for her using the words that shall never be spoken without a level 3 Amex charge showing up against you as proof. Honey, if they ask what you tried to buy, the answer is “Lots of groceries for entertaining”.

    Of course, those dicks might try to get her to email a picture of a similar purchase price receipt on the alternative card that was approved for said purchase. Then it is “I F’ing gave up in frustration afterwards and wrote a check!”
    Come on, BOFA! Hello…McFly!?!

  4. OMG – I agree with you trying to handle it, instead of her! My husband would lost more than his mind if he had to go through all of that and I’d never hear the end of it. He would just tell them to cancel the **** thing!

  5. My family had already done business for years with the Bank of Italy when it changed its name to Bank of America. But, for the past 20 years or so, since being bought out, it is Bank of America in name only. In December, I ended my family’s 100+ year stretch with BofA when I closed my last business checking account. Its branches are typically staffed by entry-level personnel and are plagued by personnel turnover. To do an in-branch wire transfer request typically has required setting an appointment at least a week in advance and then the appointment consumes 1.5 hours because the banker is inexperienced. Adios.

  6. OMG you do have the worst luck with banks! Home Depot and Meijer charges are so suspicious!! : ) I mean compared to others that don’t get any questions this is nothing! Citi must have passed on your name!

    • Welcome to Bank of America. Banking and having credit cards with them for 30 years, at least once a month do I have a run in of some sort. It’s hard to imagine how a behemoth of a corporation could be run so poorly. Yours is just another example of daily occurances at Bank of America, whether it’s their credit card department or their banking department. EVERY time I call them, my blood pressure and anxiety level goes up before I’m even dial their number . The most simple questions is met with stupidity. They transfer you from one wrong department to another. They promise a supervisor will call back, and the supervisor never does. They don’t fix existing problems, even years after complaining about them. Their website is messed up and doesn’t work correctly. If you compare them to AMEX, it’s a 10 (amex) vs a 1 (b of a) on all levels. I only remain with them because I have over a hundred bill pay accounts and don’t have time to switch banks. On the credit card level, they give me almost 3% cash back on most expenditures ( I just got another $3000 cash credit) which is good. But I hate the way they do business, they are a pathetic company. Hope this makes you feel better, if i added up the hours of aggravation they’ve caused me over the years, it’s hundreds and hundreds of hours. Ps…I did a wire with citibank a few weeks ago. I had to go into the branch, where a bank manager sat on hold for 2 1/2 hours trying to sort it out. Big money too! Had banked with them 20 years. After that, I closed my accounts with them.

      • Funny enough, the person behind me was waiting to do a wire. They left after an hour and said they would try it another day. Probably would have taken forever with the banker too lol


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