Bank of America Home Retention

Phone Number & Getting a Rep

Bank of America Home Retention number

877-327-9225
Toll-free·Calls Home Retention·See main phone number & contact info
Q:

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

A:This is for Home Retention Department / Collections
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 Thursday, and the most busy day is Monday. 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 Home Retention?

A:The average hold time is 15 minutes. The longest hold times are on Tuesday, and the shortest are on Friday.

All Bank of America customer service contact information

This is the #12 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.

Bankruptcy

800-669-5224
Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

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

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 for Home Retention Department / Collections
Here is how our research team describes the way the Bank of America phone system greets you: Please say or enter your account number

What are the hours and when should I call?

Bank of America operates the call center for this 877-327-9225 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. 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 Thursday. The most busy day to call is Monday. 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 Friday. The longest wait in the queue on average occurs on Tuesday.

The best time to call

In summation, the best day to call Bank of America is Thursday. 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 Thursday.

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Jan 17, 2024

I'm interested in taking out a loan from Bank of America. While I'm not currently a customer, I'm open to getting a bank account with them to acquire a loan if I can get the rate they're advertising. Before I do anything, however, I want to talk to someone about the loan options I've seen advertised on the Internet. It seemed to make the most sense to give Bank of America a call, so I found this number online and went ahead and called it. 

Now, I'm aware that as a banking institution, there are security issues and they need to verify information. However, I don't understand why they need so much account information. There should be an option to talk to a representative if you don't have an account and want to get an account. This not only didn't seem to be an option, but then I had a weird message by the end of my call. To be honest, I'm thoroughly confused by my experience calling this number, and next time I will probably just go down to Bank of America in person and talk to a teller or bank manager. 

Initially, it said, "This call may be recorded. Thank you for calling Bank of America. To get started, please say or enter your account number." So I thought this means I called the right number because the system identified itself as Bank of America. I actually called back to check when I got to the end of the call, and it was the same number and the same introduction. However, after this, things started to get odd for me. 

I told the system I didn't have an account, and it said, "I didn't understand, please enter your account number, tax ID or social security number." I went through this loop twice. Then I tried to say new customer, thinking that would help me get to someone. The same thing kept happening and it would loop again, so then I said, "Talk to someone." Then it said, "You must enter valid information to use our automated system or talk to an associate." 

While I was still trying to figure out how to get around this, it said something along the lines of, "We're a debt collector, please call us back when you have an account number and hung up on me." This was the part that thoroughly confused me. I still don't really know what happened but I will just have to find a branch office or another customer service number to deal with this. 

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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