Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX 
