Bank of America Bank Account Or Service Complaint

Bank of America Bank account or service department,

Savings account Account opening, closing, or management California

I started a saving account with Bank of America ( BoA ) a few years ago and deposited $60.00. Just recently, the account showed closed out and empty with - balance. I called the - number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?