I don't know about the validity of your mortgage complaints but I will inherently doubt that you have the reasons right, and I say this for one simple reason. To me, you seem irresponsible to begin with, and I'll explain why.

The fee of $12 you refer to, is a monthly maintenance fee on a specifici type of account that you maintain and could avoid with a direct deposit. Without that direct deposit yes "that" particular type of account would incur a fee. Does BofA have other accounts that do not incur a fee at all whether or not you have a direct deposit? Yes we do! Do we have other types of accounts that would not incur a fee whether or not you had a balance? Yes we do! Do other banks? Probably not!

But you see if you say this has gone on for months what that truly means is that YOU do not take the time to open your statements that tell you what the fee is month after month and how to avoid it, and YOU do not take the time to check your balance and activity on the phone or online banking to see what is coming out of your account and then months and months later, you say "they took my money!"

You know check your statement at BofA or any other bank and you're with now that states you need to bring something that you disagree with to the financial institutions attention within 60 days of receipt of your statement. Most banks (big or small) hold to that steadfast, but at BofA an associate has the ability, to refund up to 3 months and in some cases can go up to 6 months depending on circumstances. Beyond that--nope!

And if BofA overdrew you due to fees it was not $100 trust me. That means YOU then issued an item on an account you had not funded and incurred a fee, or perhaps you thought you did have the funds but had not checked in months or months to see the status of the account. That's the bank's fault? Really? Hmmmmm sounds a bit irresponsible to me!