Bank of America in Moreno Valley, CA: review

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

Bank of America keeps 3 branches in Moreno Valley, Riverside County, 25th of the 50 CA cities in this guide, out of 686 statewide. CA consumers have filed 37,169 CFPB complaints against it, 6,539 of them since January 2025. One customer's experience, mine, set beside what the bank measurably looks like in Moreno Valley.

Bank of America's footprint in Moreno Valley

Bank of America has 3 branches on file with the FDIC in Moreno Valley in Riverside County. That is 0.4% of the 686 BoA branches across CA, spread over 39 CA counties in total, and it ranks Moreno Valley 25th of the 50 CA cities covered in this guide. They sit across 3 different ZIP codes, so "your" branch and the next-nearest one are not necessarily the same errand.

At only 3 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 Riverside (4 branches), Fontana (4 branches), San Bernardino (3 branches), Rancho Cucamonga (3 branches), Corona (3 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 Moreno Valley

Bank of America's Moreno Valley footprint is not all one vintage: the oldest office on file dates to 1983, the newest to 2006, 23 years apart. The early end of that range is inherited banking history at 12350 Perris Blvd (an establishment date follows an office through mergers) rather than Bank of America's own tenure in Moreno Valley.

Those branches are spread over ZIP codes 92551, 92553 and 92557. Queues, staffing and how much a manager will authorise are not uniform across Moreno Valley: 12350 Perris Blvd, 22900 Centerpoint Dr and 25940 Iris Ave are separate offices with separate managers, so a refusal at one of them is that counter's answer and not Moreno Valley's.

Practically, Moreno Valley's branches all entering the record between 1983 and 2006 points to consistent formats, so a poor counter experience at 22900 Centerpoint Dr is more likely to repeat at the next Moreno Valley location than to be one bad branch.

Across Moreno Valley's 3 branch ZIP codes, 92551 holds one, 92553 holds one and 92557 holds one. No Moreno Valley 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 Moreno Valley read 1983, 1991, 2006. They spread across 3 decades with no two offices sharing a year, so Moreno Valley's footprint was assembled piece by piece.

On the FDIC record in Moreno Valley alongside 12350 Perris Blvd: 22900 Centerpoint Dr and 25940 Iris Ave. Name the street in a complaint: "22900 Centerpoint Dr" survives being passed between departments in a way "my Moreno Valley 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

Three things wore my BoA experience down: the fees, the security-theater password resets, and the rewards program. I cover each below in the order I felt them. The full account, with the framing I’m comfortable publishing, lives at /my-banking-story.

Locally, that plays out across the 3 Bank of America branches on file in Moreno Valley. Where a bank has physical presence, the branch is usually the fastest route to a human who can actually change something on your account, which is exactly why the remote-only failure modes above sting more in places that do not have one.

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

What CA customers report, and where Moreno Valley sits in it

Moreno Valley's 3 branches are 0.4% of the 686 Bank of America branches in CA, the 25th-largest share of the 50 CA cities in this guide. Against that footprint, CA consumers have filed 37,169 CFPB complaints against Bank of America, 12,490 since January 2023, 6,539 since January 2025, or about 54 lifetime filings for every branch the bank runs in the state.

"Mortgage" leads the CA file at 9,553, then "Checking or savings account" at 9,385; the most-reported issue is "Managing an account" at 6,117. None is tagged to Moreno Valley (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 3 is a lot depends on what it sits beside: the nearest CA footprints in this guide are Fremont with 3 and Orange with 3.

The file carries no ZIP or city field, so what locates a Moreno Valley filing is what you type into it. The Moreno Valley branches on the FDIC record are 12350 Perris Blvd, 22900 Centerpoint Dr and 25940 Iris Ave; name the one you banked at, with its ZIP (92551, 92553 and 92557), in the narrative box.

Source: CFPB Consumer Complaint Database: Bank of America (CA 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 Moreno Valley, in order

Each step produces the evidence the next one expects, so the order matters more than the volume. From Moreno Valley, with 3 branches to work with, it runs like this:

1. Do not count on branch escalation. Moreno Valley has only 3 branches, so if that handful does not resolve it, move straight to writing; the nearest alternatives in this guide are Riverside (4 branches), Fontana (4 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 (12350 Perris Blvd is the oldest on the FDIC record in Moreno Valley); "my branch" is not a reference anyone can look up. No Moreno Valley office entered the FDIC record between 1991 and 2006.
3. File with the CFPB at consumerfinance.gov/complaint, free, public, answered on the record, and it joins 37,169 filings already logged from CA.
4. File in parallel with California Department of Financial Protection and Innovation (DFPI), which supervises banks operating in Moreno Valley and carries weight a federal queue does not.
5. Chasing a dormant balance rather than a dispute? Different office: California State Controller: Unclaimed Property.

Sources: California Department of Financial Protection and Innovation (DFPI) · California State Controller: Unclaimed Property · CFPB: file a complaint

If your experience has been similar in Moreno Valley

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. California Department of Financial Protection and Innovation (DFPI), 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 Moreno Valley

• Full customer-experience review, Moreno Valley, CA
• Rewards program, Moreno Valley, CA
• Fees experience, Moreno Valley, CA
• Security and password resets, Moreno Valley, CA

Other CA cities reviewing Bank of America

• BoA customer experience in Riverside, CA, 4 branches
• BoA customer experience in San Bernardino, CA, 3 branches
• BoA customer experience in Fontana, CA, 4 branches
• BoA customer experience in Rancho Cucamonga, CA, 3 branches
• BoA customer experience in Ontario, CA, 1 branch
• BoA customer experience in Corona, CA, 3 branches
• Consumer-banking rights in Moreno Valley →
• Bank of America fee breakdown for Moreno Valley →