I owned a checking account with Bank of America. The account carried no monthly fee due to there being a waiver on the monthly fee. I received a letter in the mail indicating that the bank will be converting my account into a different type of account which carries a $ XXXX monthly fee. However, the letter unequivocally stated that I will not be charged the fee due to there being a fee waiver on the account. A few weeks later, I discovered that the fee was charged and my account was brought into the negative. I went into a BofA branch located at XXXX XXXX XXXX. in XXXX, FL. I brought the letter with me and showed it to XXXX at the branch. XXXX studied the letter, and then nervously told me that he 's not a lawyer and could n't interpret the letter. I asked him to waive the fee, which he attempted to do but told me he could n't since the system would n't allow it. I was unhappy with this response, and told him that I would deposit cash to bring the account to a XXXX balance so that it could be closed. I did and XXXX closed the account. I chose to close the account because I did n't want to give the bank additional opportunities to harvest fees on the account. The {$25.00} fee had already been charged despite the letter indicating, clearly, that a fee " will not be charged ''. The charging of the fee was an unfair and deceptive practice, in that the fee was not reasonably avoidable, and the terms of the letter I received in the mail was misleading. I would like my {$25.00} refunded. 
