Consumer complaint received 2015-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had accounts with Bank of America since XXXX, with my last one being a XXXX account since XXXX or XXXX. 

I sometimes get international wire transfers from my parents and even though they pay up in advance ALSO for the receiving bank fees ( in this case, Bank of America ), Bank of America intermittently tries to charge me the fees as well ( as they have done in XXXX of this year ). 

I do n't pay monthly fees on my checking account and never have ( I do n't use checks, I do n't receive paper statements, etc ... ). I ca n't do direct deposits and have not had any since XXXX since I have been injured since XXXX of XXXX and have been undergoing treatment since then, and total XXXX checks are only paid by check ( which I have only been using my Bank of America checking account to deposit them ). So basically I deposit XXXX checks every year with XXXX weeks in between each deposit. 

Every few years or so, they suddenly decide to charge me monthly " maintenance fees '' to which I never agreed to since there were no fees of any sort when I opened my account. I have tried calling them the first few times this occurred, only to be bounced around from XXXX representative to another, and after spending hours on the phone with no clear answer or resolution, I had to spend even more hours going to a local branch to speak directly with managers. While I had XXXX person who resolved the issue at the time, the others would come up with conflicting answers, and I would end up filing a complaint with the XXXX. 

Every single time, I would specifically request NOT TO HAVE ANYONE CALL ME since I would have no desire to waste an more of my time listening to excuses which I would have already heard until I would eventually end up filing a complaint, and would specifically state in my complaint to just remove the fees or that I would close my account with them. Each time, I had a XXXX from XXXX call me numerous times, leaving around half a XXXX messages, apologizing and explaining why they had charged me those fees, and eventually the fees would be removed. 

I was looking at my online statement today and saw that I was charged a monthly maintenance fee out of nowhere, with no warnings, no explanations, and NO PRIOR NOTIFICATION. 

After wasting XXXX minutes listening to the automated voice telling me to state the reason why I wanted to speak to a customer service representative, refusing to connect me without a reason at first, and then NOT UNDERSTANDING THE REASON I STATED, XXXX decides to file a complaint. 

I basically am not agreeing to paying any fees and to have the fees returned since I have never agreed to any fees, not to mention I have n't even been properly notified. If they want to charge future fees, I am simply going to cancel my account, period. I have XXXX other accounts I can use with other institutions, and the only reason why I have n't been using them is inconvenience. I have had all my payments set to be paid by my Bank of America account for years ( not to mention they make money from me having about $ XXXX worth of transactions done every year through that account ), and I never felt the need to use any other accounts for those. It 's basically a habit, plus it 's convenient not to have to spend a few hours setting new forms of payment for my cards and monthly payments.