Consumer complaint received 2015-05-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have a Bank Of America checking account that offers XXXX ways of waiving the monthly fee maintenance : Minimum Balance Direct deposit or charging a Bank Of America Credit card every month. 
I use a Bank of America Credit card for my daily expenses, that card is charged $ XXXX monthly. That should satisfy the condition for the waiving the monthly fee. 
However, I have been charged a {$15.00} monthly maintenance fee for the last 3 months. 
When I contacted Bank of America regarding that, they said the fees are valid, below a chat conversation with Bank Of America : Chat InformationWelcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately XXXX minute ( s ). Thank you for your patience. 
Chat InformationThank you for choosing Bank of America. XXXX is ready to assist you. For security purposes, please remember to close your chat window when completed. 
XXXX : Good day! Thank you for chatting with Bank of America, my name is XXXX. 
XXXX : What questions or concerns may I help resolve on your personal accounts today? 
XXXX : I have noticed that the lasts few months I have been charge a maintanace fee on my checking account XXXX : that was not the case before when did that change with no notification Starlette : XXXX I have your full name and the last XXXX digits of the account in question? 
XXXX : '? 
XXXX : XXXX XXXX XXXX : XXXX XXXX : Thank you. Please allow a few moments, while I review the account details. 
XXXX : Would you mind providing the last XXXX digits of your checking account you are inquiring about? 
XXXX : XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 
XXXX : XXXX/XXXX/2015 Hide additional information for activity type bank charge XXXX Monthly Fee for BofA Enhanced XXXX : XXXX/XXXX/2015 Show additional information for activity type bank charge XXXX Monthly Fee for BofA Enhanced XXXX : You started charging a fee in XXXX, I never got a notification for this VERY HIGH fee XXXX : suppossedly by my checking being linked to a credit card that has at least a mothly charge of {$50.00} there should be no fee Starlette : To avoid the monthly fee, you must meet XXXX of the following requirements : XXXX : {$2000.00} or more deposited per monthly statement cycle into any linked checking account. 
XXXX : {$5000.00} minimum daily combined balance of {$5000.00} or more per monthly statement cycle in linked deposit accounts. 
XXXX : XXXX transaction conducted using their linked Bank of America credit card each credit card statement cycle. 
XXXX : I charge over {$2000.00} a month on XXXX of my BaOf A credit cards XXXX : XXXX : XXXX transaction conducted using their linked Bank of America credit card each credit card statement cycle. 
XXXX : Have you noticed home many trnasactions on my back of america credit card I do every month? 
XXXX : as I said Over {$2000.00} a month XXXX : so I need XXXX those charges reimburst XXXX : are you there? 
XXXX :??? 
XXXX : The account did not meet the requirements. I 'm sorry the fees are valid. 
XXXX : Are you kidding me, are you reading what I wrote? 
XXXX : I charge {$2000.00} on a bank of america credit card each month!!!!!!!!!!!!!!!!!!!!! 
XXXX : You wrote this : XXXX : XXXX transaction conducted using their linked Bank of America credit card each credit card statement cycle. 
XXXX : Please do n't make me send the content of this chat to consumers affairs XXXX : Would you like to speak with a credit specialist to confirm the transactions conducted on the credit card account? 
XXXX : What so I need to confirm? 
XXXX : You can see it XXXX : I am contacting the consumers affairs, thank you XXXX : this is a fraudeulent charge! 
XXXX : I service your checking and savings acco