I opened a Bank of America account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Bank of America is earning XXXX from this policy which becomes a tax, especially on low income earners. 
