Thank you zxcvbnmmlp. The link is very helpful. I was thinking to do something to stop that banker from doing the same thing to other consumers. But if she waved the fee for me, can I still file the complain? When I was talking to her, I can feel she is scared. She keep telling me she is going to wave the fee for me, tell me don't worry. I told her that is not about the money, it is about the trusty.