Bank of America allow third party charge customers for unwanted insurance

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You might see it from time to time, those big banks would help the third party marketers to promote the insurance products, such as auto insurance such and such. Usually, I read it and toss it away, because I am okay with my current insurance. Recently, I heard some people complain about bank of America allows its third party to charge customers those insurance without asking for permission. They simply place charge of $20 on their bill statement. Is that crazy or not? Usually, those third party marketers has to make phone calls to ask permission, then allow the procedure to make charge. Not without verbal permission. So, if you bank with bank of america, take a look at your bill before pay any.