For many years I have been a client of Bank of America and I have no complaints against them. My experience with Merrill Lynch was disgusting, and I also really regret contacting them simply because it is owned by the BAC. This is a completely unskilled staff who is irresponsible !!! Except for making money, they don’t know anything else. The branch that is in Aventura Miami is unqualified. I transferred my business to another company and I will not advise anyone to cooperate with this company, you just spend your time and nerves !!!