Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request the full reversal of eleven ( XXXX ) overdraft item fees totaling {$110.00} and XXXX ( XXXX ) monthly maintenance fees totaling {$60.00}, for a combined total of {$170.00}, charged to my Bank of America checking account between XX/XX/year> and XX/XX/year>. I have not requested a single fee refund at any point in XXXX, and I am filing this complaint through the Consumer Financial Protection Bureau to ensure this matter receives the executive-level attention it deserves. Overdraft Item Fees ( XXXX charges at {$10.00} each ) : XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} XXXX. XX/XX/year> - {$10.00} Subtotal : {$110.00} Monthly Maintenance Fees ( XXXX charges at {$12.00} each ) : XXXX. XX/XX/year> - {$12.00} XXXX. XX/XX/year> - {$12.00} XXXX. XX/XX/year> - {$12.00} XXXX. XX/XX/year> - {$12.00} XXXX. XX/XX/year> - {$12.00} Subtotal : {$60.00} TOTAL FEES REQUESTED FOR REVERSAL : {$170.00} These fees have caused me significant financial hardship. I am a small business owner and sole provider for my family. Losing {$170.00} to bank fees has a direct and immediate impact on my ability to cover essential expenses including housing, transportation, food, and the daily costs of running my business. I am not in a position to absorb {$170.00} in fees, and these charges have compounded an already difficult financial situation. Regarding the monthly maintenance fees specifically, these charges have been assessed during a period in which I have been experiencing ongoing financial difficulty. The very reason my balance has not consistently met the minimum threshold to waive these fees is directly tied to the financial hardship I am facing. Charging a customer a fee for not having enough money in their account, while that customer is already struggling, only deepens the cycle of hardship. I am requesting that all XXXX maintenance fees be reversed in recognition of this. As the itemized list above demonstrates, the majority of these overdraft fees were assessed in rapid succession over a short period of time. Multiple fees were charged on the same day on several occasions. This pattern reflects a cascading effect in which XXXX overdraft triggers additional transactions to overdraft as well, compounding the financial damage. This is not a pattern of reckless spending. This is a pattern of a customer caught in a fee cycle during a period of genuine financial hardship. The Consumer Financial Protection Bureau has placed significant emphasis on the fairness of overdraft fee practices in recent years, and many major banks have taken steps to reduce or eliminate these fees entirely in response to regulatory guidance. I believe that reversing these fees is consistent with both the spirit of that guidance and with Bank of Americas own stated commitment to responsible banking and customer care. I am requesting the full and complete reversal of all eleven ( XXXX ) overdraft item fees ( {$110.00} ) and all XXXX ( XXXX ) monthly maintenance fees ( {$60.00} ), totaling {$170.00}, credited back to my checking account. This is the only resolution that would address the financial hardship these fees have caused. I value my relationship with Bank of America and would like to continue banking with your institution. However, being charged {$170.00} in fees during a period of financial hardship, without any relief, has been deeply disappointing. I trust that the executive team will review this matter with the care and attention it deserves and arrive at a resolution that is right for a loyal customer experiencing genuine financial hardship. I respectfully ask that Bank of America respond to this complaint within XXXX business days with confirmation that the full {$170.00} has been reversed and credited to my account. Thank you for your time and attention to this matter.

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