Consumer complaint received 2015-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Attacks on XX/XX/XXXX leave a memory in my mind for the rest of my life. I knew immediately I wanted to get involved in any effort to prevent something like it from happening again on XXXX XXXX. Due to family medical issues I was not able to finish XXXX and obtain my diploma. This created a roadblock for me being able to join the Military. This roadblock would only be temporary. Before i could enlist I needed a XXXX certificate and at least XXXX credit hours of college level work. I knew part of my purpose to was to keep my family safe. It was XX/XX/XXXX when I finished my last class that would give me the college credit i needed to ship out for boot camp. I left for boot camp that XX/XX/XXXX. I already struggled to pay all of the bills i acculumated from the credit cards I was so easily approved for right out of XXXX. I thought i was ready for the life of living as an XXXX, XXXX with very minimal income. I also thought the personal reward living with purpose and defending my country far outweighed the cost of what I " thought '' would be " small '' credit impact. After bootcamp and advanced training. I wanted to try and repair some of the damage of little income coming in. I was trying to re-establish so I obtained a bank of america secured credit card. I gave Bank of America XXXX Dollars. This was XXXX/XXXX/XXXX. I was particularly excited about the Bank of America card because the agent who took my application mentioned being unsecured in as early as 6 months. Little did i know that 8 years would go by with no missed payments, per transunion credit report and my account would be closed, as charged off and past due with a balance below the amount i provided as a security deposit. I called every year asking about unsecuring my card and each year i was told i was not eligible at that time. Year after year i was charged interest against money I provided as a security deposit. I received account fee 's, I received late fee 's and I received annual fee 's. 8 years went by and I was rewarded for my long term investment with Bank of America with a Charge off Credit Line Reporting, No Security Deposit and no notice. Not looking for confrontation I did n't escalate further when i called about the un secure status request. Today i am just pulling my credit and seeing that Bank of America Charged off my Card with them. I 've received no phone calls, I 've received no emails, I 've received no letters. I have received fee 's though. The only reason i kept an open Bank of America Checking Account was to pay my Bank of America Credit Card. That was until they started charging me a fee to have that account. When i opened the account, i was told as long as i had a direct deposit, I would n't be charged a fee. I called about the fee and the associate said the program changed, you had to direct deposit over a XXXX-XXXX dollar amount or maintain that much in your account. i indicated that i had a secured credit card with XXXX dollars of my own money being held. I did n't understand why i needed to pay more fee 's. a couple of months fee 's were waived, but as the next month rolled around the fee was back. being fed up, i did n't know what to do. there is no winning with bank of america.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation