Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Im writing to express my deep frustration and disappointment regarding a long-standing issue with my Bank of America checking account ( Account XXXX : XXXX ), which has resulted in over {$1000.00} in unjustified maintenance fees charged over the past XXXX years. I have been a loyal customer of Bank of America since XX/XX/XXXX, when I first opened this account as a XXXX at XXXX. For over a XXXX, I was informed that maintaining a minimum daily balance of {$1500.00} would waive any monthly maintenance fee. I have consistently met this requirement. Unfortunately, my recent experience has been extremely frustrating and has seriously damaged the trust I had in BOA institution, because they changed my account types to a different one without my consent. Below is a timeline to clearly illustrate the issue : Timeline of Events XX/XX/XXXX : Opened my Bank of America checking account as a XXXX  at XXXX. Informed by BOA that maintaining a minimum balance of {$1500.00} would waive monthly maintenance fees. XX/XX/XXXX : First noticed a $ 25 monthly maintenance fee charged to my account. Visited the XXXX XXXX BOA branch for assistance. The staff member assured me they would look into the issue to prevent future charges. XX/XX/XXXX : Believed the matter had been resolved. No further communication from BOA, yet monthly {$25.00} fees continued, totaling more than {$1000.00} over XXXX years. XX/XX/XXXX : Called BOA support and was informed that no action was ever taken by the branch staff. XX/XX/XXXX : First time learned from BOA call center that I had been moved to a Premium account and a premium program without my consent, no one have ever sharing with me the implications ( I learnt first time after XXXX  years that this premium account that I did not agree to open require a daily balance of XXXX XXXX which I was never informed of nor agreed to. XX/XX/XXXX : BOA customer service promised that he can refund the last 12 months of fees.Moved me out of the premium account, downgrade to the original bank account type that I signed to agreed to open. ( The one need to maintain a {$1500.00} balance ) Last week : Received an email stating that XXXX of the XXXX  months were denied, with no explanation provided. XX/XX/XXXX : Follow-up call to BOA : Was told there is nothing they can do. XX/XX/XXXX : on call with customer support executive response team, the staff told me that BOA and change my account types without my consent. Mentioned BOA changed my account type and the notices was shared via a statement many years ago that I have never received it, I asked for the statement to verify it, but they said they can only mail it which takes a longtime and not able to verify. I am respectfully requesting the following from BOA : 1. A comprehensive review of my account history and maintenance fee charges since XXXX. XXXX. A clear explanation of why my account was upgraded to a premium one that need to maintain XXXX $ daily account balance without my consent. 3. A full refund of all improperly charged maintenance fees. 4. Reinstatement of the appropriate account type that matches my original understanding and balance requirements- need to maintain XXXX XXXX Thank you for your time, and I sincerely hope to hear from you soon with a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief