Bank of America in Garland, TX, account closure: review

By Pablo Diaz · I left BoA after years as a customer. Read the full story →

Bank of America keeps 4 branches in Garland, Dallas County, 14th of the 150 TX cities in this guide, out of 313 statewide. TX consumers have filed 12,923 CFPB complaints against it, 3,180 of them since January 2025. One customer's experience, mine, set beside what the bank measurably looks like in Garland.

Bank of America's footprint in Garland

Bank of America has 4 branches on file with the FDIC in Garland in Dallas County. That is 1.3% of the 313 BoA branches across TX, spread over 37 TX counties in total, and it ranks Garland 14th of the 150 TX cities covered in this guide. They sit across 4 different ZIP codes, so "your" branch and the next-nearest one are not necessarily the same errand.

At only 4 locations, in-person options here are thin, and a branch that will not resolve something leaves you with a written escalation rather than a second counter to try. The nearest alternatives in this guide are Dallas (26 branches), Fort Worth (13 branches), Plano (7 branches), Frisco (6 branches), Arlington (5 branches).

Source: FDIC BankFind: Bank of America, N.A. (certificate 3510)

Branch counts are Bank of America locations on file with the FDIC (certificate 3510) under each city label; New York City and its boroughs are counted by FDIC county. Postal city labels do not always match municipal boundaries, so treat a zero as "none on file under this city label".

How long Bank of America has been in Garland

Bank of America's Garland footprint is not all one vintage: the oldest office on file dates to 1906, the newest to 2008, 102 years apart. The early end of that range is inherited banking history at 1913 S Garland Ave (an establishment date follows an office through mergers) rather than Bank of America's own tenure in Garland.

Those branches are spread over ZIP codes 75040, 75041, 75043 and 75044. Queues, staffing and how much a manager will authorise are not uniform across Garland: 1913 S Garland Ave, 1110 Northwest Hwy and 5402 N President George Bush Hwy are separate offices with separate managers, so a refusal at one of them is that counter's answer and not Garland's.

Practically, a Garland footprint assembled between 1906 and 2008 is an uneven one: an office on the books since 1906 at 1913 S Garland Ave and one added in 2008 rarely run to the same layout, staffing or counter service, even under one brand and one sign.

Across Garland's 4 branch ZIP codes, 75040 holds one, 75041 holds one, 75043 holds one and 75044 holds one. No Garland ZIP holds more than one office, so every refusal here costs a separate trip across ZIPs rather than a second try down the street.

Office by office, the FDIC establishment years in Garland read 1906, 1954, 2006, 2008. They spread across 3 decades with no two offices sharing a year, so Garland's footprint was assembled piece by piece.

On the FDIC record in Garland alongside 1913 S Garland Ave: 1110 Northwest Hwy, 5402 N President George Bush Hwy and 5610 Broadway Blvd. Name the street in a complaint: "1110 Northwest Hwy" survives being passed between departments in a way "my Garland branch" does not.

Source: FDIC BankFind, branch establishment records (certificate 3510)

Establishment dates are the FDIC's date of record for each banking office. That date follows the office through mergers and acquisitions, so an early date means a bank branch has operated at that address since then, not that Bank of America itself has been there that long.

What I observed (account closure)

If you are getting ready to close a BoA account, do it in writing, not over the phone alone. Keep the closure confirmation. Some customers report follow-on fees on accounts they thought were closed. Open the new account first. Migrate inflows, then outflows. Keep BoA funded for 60-90 days as a buffer.

If you close from Garland, keep the written confirmation, "Managing an account" is the leading complaint category in TX's Bank of America file, and post-closure billing disputes sit inside it. Texas Department of Banking accepts TX complaints if a closed account keeps generating charges.

My full account, written exactly as I would describe it to a friend, is at /my-banking-story.

What TX customers report, and where Garland sits in it

Garland's 4 branches are 1.3% of the 313 Bank of America branches in TX, the 14th-largest share of the 150 TX cities in this guide. Against that footprint, TX consumers have filed 12,923 CFPB complaints against Bank of America, 5,476 since January 2023, 3,180 since January 2025, or about 41 lifetime filings for every branch the bank runs in the state.

"Checking or savings account" leads the TX file at 3,946, then "Mortgage" at 2,316; the most-reported issue is "Managing an account" at 2,325. None is tagged to Garland (the CFPB records by state), but a filing of your own, with dates and amounts attached, is what turns one account's problem into a pattern.

Whether 4 is a lot depends on what it sits beside: the nearest TX footprints in this guide are Cypress with 4 and Humble with 4.

The file carries no ZIP or city field, so what locates a Garland filing is what you type into it. The Garland branches on the FDIC record are 1913 S Garland Ave, 1110 Northwest Hwy, 5402 N President George Bush Hwy and 5610 Broadway Blvd; name the one you banked at, with its ZIP (75040, 75041, 75043 and 75044), in the narrative box.

Source: CFPB Consumer Complaint Database: Bank of America (TX filings)

What the public record shows

• CFPB 2023 enforcement order, $250M total , junk fees, withheld credit-card rewards, fake accounts.
• CFPB 2022 enforcement, $225M , botched unemployment-benefits handling.
• CFPB 2014, $727M in relief , deceptive credit-card add-on practices.
• DOJ RMBS settlement (2014), $16.65 billion , at the time the largest civil settlement with a single entity in U.S. history.
• CFPB Consumer Complaint Database, Bank of America , public, searchable, tens of thousands of complaints.
• BBB profile: Bank of America , public ratings + customer reviews.

Escalating from Garland, in order

Each step produces the evidence the next one expects, so the order matters more than the volume. From Garland, with 4 branches to work with, it runs like this:

1. Do not count on branch escalation. Garland has only 4 branches, so if that handful does not resolve it, move straight to writing; the nearest alternatives in this guide are Dallas (26 branches), Fort Worth (13 branches).
2. Get it in writing with the bank first: a secure message is dated and quotable, a phone call is not. Name the office in it (1913 S Garland Ave is the oldest on the FDIC record in Garland); "my branch" is not a reference anyone can look up. No Garland office entered the FDIC record between 1954 and 2006.
3. File with the CFPB at consumerfinance.gov/complaint, free, public, answered on the record, and it joins 12,923 filings already logged from TX.
4. File in parallel with Texas Department of Banking, which supervises banks operating in Garland and carries weight a federal queue does not.
5. Chasing a dormant balance rather than a dispute? Different office: Texas Comptroller: ClaimItTexas.

Sources: Texas Department of Banking · Texas Comptroller: ClaimItTexas · CFPB: file a complaint

If your experience has been similar in Garland

1. File a CFPB complaint. consumerfinance.gov/complaint , free, public, and tends to get a response on the record.
2. File a parallel state complaint. Texas Department of Banking, file a consumer complaint , state regulators carry weight in their own jurisdictions.
3. File a BBB complaint. BBB Bank of America profile.
4. Compare alternatives side-by-side. Review Mercury, RHO, Novo, Relay, Bluevine, Brex, and Found on their real public pricing before you move.
5. Open a new account before closing the old one. 60-90-day buffer.
6. Migrate inflows first, outflows second.

All Bank of America review topics for Garland

• Full customer-experience review, Garland, TX
• Rewards program, Garland, TX
• Customer service, Garland, TX
• Fees experience, Garland, TX
• Security and password resets, Garland, TX
• Dispute resolution, Garland, TX
• Business accounts, Garland, TX
• Account closure, Garland, TX

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• BoA customer experience in Irving, TX, 5 branches
• BoA customer experience in Frisco, TX, 6 branches
• Consumer-banking rights in Garland →
• Bank of America fee breakdown for Garland →