Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
What happened? 

I am filing this complaint regarding improper monthly maintenance fees charged to two Bank of America personal accounts due to repeated setup errors and misinformation from Bank of America representatives. 

Background : In XXXX, I opened personal checking and savings accounts that were intentionally tied to my Bank of America business relationship. My explicit instruction at account opening was to place these personal accounts on the XXXX XXXX XXXX XXXX plan requiring only a {$500.00} minimum balance to waive monthly fees, as these accounts were intended for limited transactional use only and to avoid all maintenance fees. 

However, the Bank of America business representative incorrectly set these personal accounts up under a Comprehensive Banking plan, resulting in multiple XXXX XXXX monthly fees that later had to be credited after follow-up discussions. 

XX/XX/XXXX issue : In XXXX XXXX, I contacted Bank of America via chat to correct the account structure and ensure all personal accounts were properly placed on the correct no-fee plan. During that interaction : Only the savings account was changed. 

The checking account was not updated, despite my request. 

I was never informed that an average daily balance of {$500.00} needed to be maintained before the beginning of the next statement cycle to avoid fees. 

I was never informed that the account change was incomplete. 

As a result, Bank of America assessed the following fees : {$8.00} monthly maintenance fee on XX/XX/XXXX for the Advantage Savings account ( Account ending XXXX ). 

{$12.00} monthly maintenance fee on XX/XX/XXXX for the personal checking account ( Account ending XXXX ). 

Branch visit and refusal to correct : On XX/XX/XXXX, I visited a Bank of America branch in XXXX, XXXX to resolve the issue and request refunds for the improperly charged fees. Despite clear documentation and explanation that the fees resulted from Bank of Americas own setup errors and incomplete service actions, branch staff stated they were unable to refund or escalate the matter, citing internal system limitations. 

Why this is unfair : I followed Bank of Americas instructions and relied on their representatives to correctly configure my accounts. 

I was not provided accurate or complete disclosure regarding balance requirements or timing. 

The errors originated with Bank of America employees, not customer action. 

I am a Premier Business Banking customer with significant balances maintained across Bank of America business accounts. 

The refusal to correct minor but improper fees ( {$20.00} total ) reflects poor customer service and inconsistent treatment. 

Resolution requested : I am requesting : A full refund of the {$8.00} and {$12.00} monthly maintenance fees.

Confirmation that all personal accounts are correctly configured on fee-free plans as originally instructed.

Review of Bank of Americas customer service and account-setup practices to prevent similar issues.

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