I had an account at Bank of America for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Bank of America stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval. 
