I am 26 Nepali man. I have been here in the USA one and half years i came here through DV lottery. When i came to the US i have opened my bank account in a BAnk Of America and after a month some body called me who was talking about insurance. I said no i don't want anything right now 'coz i am new i don't understand what u are talking about but if u have any question send me through mail so that i can read and reply your answer. They called me many times i didn't understand sometimes i didn't pick up their phone . Ok then i did not check my account details and i had no online banking service. One year later i found one Insurance company which iis related with Bank of america has started to charge me $29 per month then i went to the Fells point Bank Of America service and they helped me to call them. I asked them what kind of policy is this i didn't sign for any paper i didn't give any authority and my account no. I don't know what i am payong for this $30 a month? I have no space to writw down my comment here please provide more space. this is a Robery