Bank of America Bankruptcy

Phone Number & Getting a Rep

Bank of America Bankruptcy number

800-669-5224
Toll-free·Calls Bankruptcy·See main phone number & contact info
Q:

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

A:This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options
Q:

Does this phone number work 24/7?

A:Yes! This phone number operates 24 hours a day, 7 days a week. The least busy day is Monday, and the most busy day is Thursday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Bank of America Bankruptcy?

A:The average hold time is 13 minutes. The longest hold times are on Friday, and the shortest are on Tuesday.

All Bank of America customer service contact information

This is the #6 most popular Bank of America phone number out of 16. Click above to go back to the main customer service number and other contact information, including Bank of America email addresses, twitter handles, and live chat options.

More Bank of America Customer Phone Numbers

Customer Service

800-432-1000
Main phone number · Toll-free · Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Press 0#, then 0#, then 0, then 0 then 1, then 0# · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Online Banking

800-781-5393
Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone

Executive Customer Relations

704-386-5687
24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·

Online Banking/Bill Pay

877-768-9836
Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.)

Home Loans

800-285-6000
Toll-free · Mon-Fri 8am-9pm EST · Press "0" at every prompt for Mortgage Department · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Credit Cards

800-732-9194
Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Fraud Reporting

877-366-1121
Toll-free · Mon-Fri 8am-9pm EST · Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud. · Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Credit Cards

800-421-2110
Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Mortgages

800-669-6607
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

888-325-6435
Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number

Home Retention

877-327-9225
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

800-669-6076
Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative.

Fraud Detection

877-833-5617
Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

International Customer Service

315-724-4022
Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.

Customer Service

800-518-0479
Toll-free · Mon-Fri 9am-5pm EST · Calling this Bank of America number should go right to a real human being · Just hold online until a representative picks up

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Bank of America phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options
Here is how our research team describes the way the Bank of America phone system greets you: Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

What are the hours and when should I call?

Bank of America operates the call center for this 800-669-5224 phone number 24 hours, 7 days. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 70,005 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Bank of America is Monday. The most busy day to call is Thursday. Again, this is based on a sample of 70,005 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Friday.

The best time to call

In summation, the best day to call Bank of America is Monday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Bank of America staffs the call center well on Monday.

Why call this Bank of America number?

Below is a sample of recent calls to Bank of America, and their purpose. Are any of these similar to the reason you are trying to call?
: ""
- From a call lasting 5m 15s , Nov 21, 2024 8:44 PM

Calling this Bank of America Customer Number

Jan 17, 2024

Calling this number can help you get the address to receive information from Bank of America's bankruptcy repayment services, but for the most part, that's it. You might be able to get customer help if you're willing to provide personal information, but if you're not going to give that out, this is as far as you can get.

When I called, I was only able to get as far as requesting the address for repayment services, which I did to check what it would provide. Upon asking for the address, it gave two of them to me. One was the standard address, with the other being used for overnight requests. With each address, the system gave me the address twice to confirm I had it before hanging up at the end of the message.

If you're trying to get this information, you have to wait until the system actually gets to that part of the welcome message before moving forward. To request the address, you must press 1, but you can only do so after the system tells you to do it to get the Bank of America address. Doing it either before or after that part of the message has completed results in the system ignoring your entry.

When calling Bank of America and trying to get past the initial choke point, you need to call at the correct time to be able to get someone on the phone. If you call past 5 p.m. on Monday through Friday or at any time on weekends, you won't be able to connect with anyone. In those situations, the system simply tells you that nobody is available to take your call and you'll have to try back another time.

Neither the automated assistant nor Bank of America do anything to tell you this, however, as this number isn't publicized on Bank of America's website. It's known as the bankruptcy number and confirms its purpose when you dial, but Bank of America doesn't list it on an official website. Its existence is only known because of third-party sites that put this number out there for potential customers.

Given that this number doesn't have a transfer system to get you to other branches of Bank of America, it makes sense that it isn't publicized. Bank of America clearly wants to keep this only for the select few customers who need it, and it isn't going to make it easy for people to gain access to it.

I find that understandable, and given that Bank of America has gone out of its way to hide this number, I have no problem with the lack of a true phone menu. I wouldn't use this number unless I specifically needed it, as it appears to be no use to anyone who hasn't already begun bankruptcy protection services through Bank of America.

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

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