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February 10, 2026
RE: Formal Complaint — Unauthorized Account Fees — Metropolitan Banking Corp.

Dear Consumer Affairs Division,

I am writing to formally protest the imposition of $345.00 in undisclosed account maintenance fees charged to my checking account (Account No. ending in 4291) between July and December 2025. These fees were not disclosed at the time of account opening, nor were they reflected in the fee schedule provided to me on March 15, 2024.

Under the Truth in Savings Act, 12 U.S.C. § 4302, depository institutions must clearly disclose all fees and conditions before an account is opened. Furthermore, Regulation DD, 12 C.F.R. Part 1030, requires that changes to fee schedules be communicated with at least 30 days' advance notice. Your failure to provide such notice constitutes a violation of federal banking regulations.

I demand the immediate reversal of all $345.00 in unauthorized fees and written confirmation of such reversal within ten (10) business days. Should this matter remain unresolved, I will file complaints with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency.

Respectfully,
[Your Name]

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