Bank of America sent me a Privacy Assist form to fill out and sign if I wanted the service. However I did not so I never sent in the form but Bank of America started to take out the fee for Privacy Assist on a monthly basis. When I called and asked them to stop they said no. I then said I wanted my account closed and they also refused to do. Feeling the only option left to me I drew down my account balance to 1.74 as to prevent them from draining more 12.99 monthly fee for the service. That did not stop the bank which just kept on pulling the fee out and charging an overdraft fee. I felt I could do nothing until a friend told me what I could do to stop the situation. I threatened to sue. I was given Privacy Assist phone number and the company said that they would refund the money but Bank of America claims that they never received the money. Now online I am finding many web sites that have people citing the very same issue. Bank of America and Privacy Assist are a scam by both companies and they are getting away with it. I have since opened an account with chase but chex systems has put me on a restriction list for five years so for the next five years I cannot write a check nor us my debit card for large transactions like paying rent and i have to pay five dollars for a money order at my own bank and pay a 15 dollar maintainence fee plus I cannot take advantage of direct deposit or multi card use to avoid monthly fee. My credit has been wrecked and I have filed a complaint with the attorney general in my state but they told me it is near impossible to fix credit once a bank destroys it.