Hi there. 
My complaint is regarding Bank of America ( BoA ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that BoA had enrolled in an " Advantage Program '' which gave me " various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while BoA investigated the matter. I also requested that the charges be reversed and that BoA remove me from any " Program '' which resulted in my being charged monthly for " benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which BoA had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) " program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the " enrollment '' date, it would be up to me to then take a further step of visiting a BoA branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call. 
